Who we are

RBAC is a private, not for profit organization that was created in 1979 in Trenton, NJ. With offices in Mercerville, East Rutherford and New York City, we financed over 1041 loans amounting to $257 million over the years, improving local economies and strengthening communities through business development and job creation. We are designated as a Community Development Financial Institution (CDFI), CDC, and SBA lender, and exclusively offer three SBA loan products (504, Microloans, and 7(a) Community Advantage) ranging in size from $1000 to $5.5 million. RBAC is committed to providing small businesses access to capital in underserved populations and communities. We step in when businesses cannot get funding needed through conventional lending sources.

Our mission

RBAC’s mission is to foster economic development and entrepreneurship by providing loan capital through SBA financing and business mentoring.


Small business entrepreneurs usually come to RBAC because they don’t have access to conventional bank financing. Either they have less than two years of operations (start-ups) or have financing needs that cannot be met by conventional financial institutions. RBAC can offer loans to businesses in spite of derogatory, limited or no prior credit history. RBAC offers a wide range of financing options that other financial institutions may not offer such as SBA Micro loans, Community Advantage loans and 504 loans.

RBAC serves the following areas:

All of New Jersey

New York Counties:

  • Orange
  • Westchester
  • New York
  • Staten Island
  • Brooklyn
  • Nassau
  • Rockland
  • Bronx
  • Richmond
  • Kings
  • Queens
  • Suffolk

Pennsylvania Counties:

  • Delaware
  • Bucks
  • Chester
  • Lehigh
  • Monroe
  • Philadelphia
  • Montgomery
  • North Hampton
  • Carbon
  • Pike

Recent Events

See how RBAC supports our communuty