Flexible, Affordable Capital To Help Your Small Business Flourish

New Jersey Capital Access Fund. A woman writing on white board holds a meeting with two people seated with laptops.
January 12, 2024

Atlantic City, NJ (January 12, 2024) – The NJ Capital Access Fund is now open! New Jersey small businesses and nonprofits can apply for working capital loans of up to $250,000 with flexible terms and competitive interest rates. Loans can be used for a full range of business needs including payroll, supplies, rent, utilities, marketing and advertising, and other business expenses.

Developed by the New Jersey Economic Development Authority, the NJ Capital Access Fund is tailor-made for businesses and nonprofits like yours. The Fund offers working capital with fixed interest rates and flexible spending guidelines, so you have the freedom to achieve
more and to plan your business’ bright future. The streamlined application process respects your time and connects you to experienced nonprofit lenders who want to see you succeed and will support you through the loan process. Because when you thrive, New Jersey thrives.

Competitive Loan Terms:

  • Between 36 and 60 months
  • Borrow up to $250,000
  • No origination fees
  • No prepayment penalties
  • Fixed, competitive interest rate* for the life of the loan
  • No specific collateral is 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

Get started today at NJCapitalAccessFund.com

For more information read these FAQ’s about the program:


Please note: The CRDA does not administer this program. Questions should be directed to the New Jersey Economic Development Authority.