affordable capital
to help your
small business

Access loans of up to $250,000 and support from experienced nonprofit lenders

The NJ Capital Access Fund is designed for businesses and nonprofits like yours, connecting you with flexible capital, nonprofit lenders and expert advisors.

Because when you thrive, New Jersey thrives.

Developed by the NJEDA, the NJ Capital Access Fund provides working capital with fixed interest rates and flexible spending guidelines, so you have the freedom to achieve more and to plan your business’s bright future.

NJ Capital Access Fund two baristas making coffee in trendy coffee shop


Competitive loan terms:

  • Between 36 and 60 months
  • Borrow up to $250,000
  • No prepayment penalties
  • Fixed interest rates for the life of the loan — As of June 1, 2024, rates range from 9.5% to 11.5%, depending on length of the loan
  • No specific collateral required

Eligible businesses and nonprofits must:

  • Operate in the state of New Jersey
  • Have fewer than 50 employees
  • Have an annual revenue of $10 million or less
  • Have been in business for at least one year prior to the date of application
  • Demonstrate the ability to repay the loan through cash flow

Flexible loan spending:

  • Payroll
  • Supplies
  • Rent
  • Utilities
  • Marketing and advertising
  • Other business expenses

The NJ Capital Access Fund isn’t like other loan programs.

Flexible, affordable capital

With fixed interest rates and flexible spending guidelines, the NJ Capital Access Fund gives businesses what they need to grow and expand.

Straightforward application process

We know, as a small business owner, you don’t have time for surprises. That’s why we created a transparent process that respects your time.

Experienced nonprofit lenders

Our nonprofit lenders have decades of experience serving New Jersey’s small businesses and want to see you succeed. They are ready to walk you through the loan process step-by-step.

Flexible capital
and business support
for small business
owners like you.

NJ Capital Access Fund employee of a plant shop working on ipad

Participating Lenders

Ascendus Logo
Grow America Community Impact Loan Fund
Pursuit Logo

Supporting Organizations

The New Jersey Economic Development Authority Logo

The New Jersey Economic Development Authority

The New Jersey Economic Development Authority developed this program to connect small businesses and nonprofits to the financial and business support they need to grow.

Calvert Impact Logo

Calvert Impact

Funding for the NJ Capital Access Fund is arranged by Calvert Impact, a nonprofit investment firm based in Bethesda, MD. Calvert Impact is also the lead servicer for the program.


Community Reinvestment Fund, USA

This program’s online application and matching platform is hosted by Community Reinvestment Fund, USA, a national CDFI based in Minneapolis, MN.


Due to the limited amount of funding available and the high volume of applications expected, all applicants may not receive a loan. We recommend applying as soon as possible. Applications will be reviewed on a rolling basis and will be managed to support the program’s goals. The time it takes to process an application will depend on the volume of applications received by the matched nonprofit lender. Please note that submitting an application is not an indication of eligibility and does not mean that a loan will be approved or funded. Additional information will be requested in your application that will determine your eligibility for a loan. All rates and loan terms may be subject to change. Loans available via this program are business loans only and not loans for personal, family or household purposes.