New Jersey: business records and regulators
Where to look a business up in New Jersey, where to search the UCC filings against it, and the offices that regulate banks, lenders and securities there.
Each link opens the state's own site in a new tab, so what you type there goes to that site, not to us. Some state searches charge a fee or ask you to make an account. Privacy
New Jersey records and regulators
Business search
Look a business up in the state's register of businesses.
New Jersey Division of Revenue and Enterprise Services: Business Name Search (opens in a new tab)
Search Registered Businesses looks up businesses already registered; the same page checks whether a name is available.
UCC search
Find the UCC filings against a business: the financing statements lenders file to record a lien on its assets, such as a blanket lien.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in New Jersey
Official lists of the lenders that work in New Jersey. Each opens on its own site, filtered to New Jersey where the list allows it.
SBA 504 lenders (Certified Development Companies) (opens in a new tab)
The nonprofit lenders that make SBA 504 loans for property and big equipment, from the SBA's own list, filtered to the state.
SBA microloan lenders (opens in a new tab)
Nonprofit lenders that make SBA microloans of up to $50,000, from the SBA's own list, filtered to the state.
SBA Lender Match (opens in a new tab)
The SBA's own matching tool: you answer a few questions about your business on its site, and two business days later it gives you a list of the lenders interested; some may contact you. It is not a loan application. What you type goes to the SBA and those lenders, not to us.
Certified CDFIs (community lenders) (opens in a new tab)
The CDFI Fund's list of every certified community development financial institution (CDFI): loan funds, banks and credit unions. Download the list and sort it by the State column.
The FDIC's BankFind: search for the banks with offices in the state.
Credit unions (opens in a new tab)
The NCUA's credit union locator. Credit unions lend to their members, so check who can join.
Before you sign with any lender, check it is licensed: see the banking and lending regulator above, and Check a lender or platform. A few national lenders and platforms are named, with how they were chosen, in the provider directory.
State rules for New Jersey on our route pages
- Business line of credit: New Jersey's limit on a written loan is 16% a year, but any rate can be agreed on a loan of $50,000 or more (unless it is secured by a first lien on a building of up to six homes), and a business or farm loan of $1,000 or more may carry up to 5 percentage points over the Federal Reserve Bank of New York's discount rate if that is higher. A corporation, LLC or limited liability partnership cannot plead usury. Above 30% a year is criminal usury, or above 50% on a loan to a corporation, LLC or limited liability partnership. New Jersey's consumer lender license covers only loans for personal, family or household use, not business loans. (New Jersey Statutes 31:1-1, 31:1-6, 2C:21-19, 17:11C-2 and 17:11C-3: contract rate, no usury defense for corporations, criminal usury, and the consumer lender license (search the Legislature's statutes database by section number))
- Equipment loans and finance agreements: New Jersey's limit on a written loan is 16% a year, but any rate can be agreed on a loan of $50,000 or more (unless it is secured by a first lien on a building of up to six homes), and a business or farm loan of $1,000 or more may carry up to 5 percentage points over the Federal Reserve Bank of New York's discount rate if that is higher. A corporation, LLC or limited liability partnership cannot plead usury. Above 30% a year is criminal usury, or above 50% on a loan to a corporation, LLC or limited liability partnership. New Jersey's consumer lender license covers only loans for personal, family or household use, not business loans. (New Jersey Statutes 31:1-1, 31:1-6, 2C:21-19, 17:11C-2 and 17:11C-3: contract rate, no usury defense for corporations, criminal usury, and the consumer lender license (search the Legislature's statutes database by section number))
- Online business loans: New Jersey's limit on a written loan is 16% a year, but any rate can be agreed on a loan of $50,000 or more (unless it is secured by a first lien on a building of up to six homes), and a business or farm loan of $1,000 or more may carry up to 5 percentage points over the Federal Reserve Bank of New York's discount rate if that is higher. A corporation, LLC or limited liability partnership cannot plead usury. Above 30% a year is criminal usury, or above 50% on a loan to a corporation, LLC or limited liability partnership. New Jersey's consumer lender license covers only loans for personal, family or household use, not business loans. (New Jersey Statutes 31:1-1, 31:1-6, 2C:21-19, 17:11C-2 and 17:11C-3: contract rate, no usury defense for corporations, criminal usury, and the consumer lender license (search the Legislature's statutes database by section number))
Sources
- NJ Division of Revenue & Enterprise Services: home page (links the online business name search) · checked October 20, 2026
- NJ Department of the Treasury, Division of Revenue & Enterprise Services: Business Name Search (Search Registered Businesses) · checked October 20, 2026
- NJ Division of Revenue & Enterprise Services: UCC Online Services (submit financing statements, search the UCC database) · checked October 20, 2026
- New Jersey Department of Banking and Insurance: home page · checked October 20, 2026
- New Jersey Bureau of Securities: home page (Uniform Securities Law and regulations) · checked October 20, 2026