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  Closing & Important Updates
We will be closed on Thursday, November 26th in observance of Thanksgiving Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read More

We are here for you. Important Updates Regarding Coronavirus.

Learn about all the ways Spencer is creating a safe and secure environment. Read More

We continue to stay committed to you during this difficult period. View an updated message from our Chairman, President and CEO. Read More

The Passaic Street (Garfield) location is currently closed. During this time, please visit one of our alternate financial centers if needed. Bank Locations

BusinessEdge® Express Line of Credit

Give your business access to liquid capital, fast. If you need a large or small business loan New Jersey trusts, our BusinessEdge® Express Line of Credit delivers powerful benefits, plus rapid decisions to get you what you need more quickly than ever before. Manage your seasonal cash flow and expand your buying power with the working capital you need to reach your goals. With competitive rates and dedicated local service, Spencer works hard to help your business grow with a business line of credit in NJ.

BusinessEdge® Express Line of Credit features:

  • Lines up to $250,000
  • Interest-Only Payments
  • Competitive Variable Interest Rates
  • Streamlined Annual Renewal Process
  • Local Decision Making
  • Simplified Application
  • Fast Approval Turnarounds

At Spencer, we work hard on NJ business loans to get your business ahead. So why wait? With the BusinessEdge® Express Line of Credit, you can count on fast, local decisions.

Inquire Now

Contact Us Today

Richard Vaill

VP & Business Development Officer Team Leader 1-973-699-5616