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  Important Information
Financial Center Updates & Important Information Read More

As the virus transmission rate continues to increase again in New Jersey, we’d like to inform you that we will be closing our lobbies to the general public effective Monday, December 7, 2020. If you need to conduct business inside one of our financial centers, you will be required to schedule an appointment.  However, we will be operating our drive-up facilities as normal.  Please see our revised hours of operation and financial center contact information. Financial Center Locations

Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility.  We appreciate your patience as we do our part to protect you and our employees from the spread of COVID-19. Financial Center Locations

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 and CEO. Read More

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