pre-apply Now

What To Expect


Complete your pre-application so we can get to know your business or nonprofit.

Get Matched

After completing the pre-application, eligible applicants may be connected with a nonprofit lender.

Get Support

Our nonprofit lenders will assist with every step of the application and can connect you with additional support services if needed.

Complete Your Pre-application Now

Please note that applicants may experience slower than average processing times during the holiday season. We thank you for your patience.

Loans Can Be Spent On


Marketing & Advertising

Other Expenses




NJ Capital Access Fund employee working at a bakery

Loan Terms

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


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.