Garden State Relief Fund

New Jersey Community Capital is pleased to launch the Garden State Relief Fund to meet the immediate needs of small businesses and nonprofits critically affected by the COVID-19 pandemic.


We know that small businesses are the heart of our communities and in the midst of the COVID-19 pandemic, many are encountering unexpected challenges in a rapidly changing market. To address these rising concerns, the Garden State Relief Fund offers working capital loans to small businesses and nonprofits negatively impacted by the COVID-19 pandemic.

Consistent with our mission, the Garden State Relief Fund ensures that small businesses and nonprofits are provided with quick yet equitable and inclusive opportunities for relief, stability, and growth. The Garden State Relief Fund provides financial support for those that often lack access to conventional capital and have been disproportionally affected by this evolving public health crisis.


  • Businesses and nonprofits in New Jersey with 3 to 75 full-time employees. 
  • Special opportunity for businesses located in the THRIVE South Jersey footprint (Gloucester, Cumberland, Salem, and western Atlantic counties), thanks to the generous support of the Pascale Sykes Foundation. Please click here for more information. 


Loan Terms

  • Up to 36 months. Please view this form for complete eligibility and terms. 


How to Apply

To submit an application, please complete this form and return via email to

Demand for the Garden State Relief Fund is great. NJCC is still accepting applications; however, application processing is delayed. It may take longer than 14 business days from submission/receipt of loan application to loan funding. We appreciate your patience. Should available funding become depleted, loan applications will be placed on a waitlist in the order they are received. NJCC will notify all applicants placed on the waitlist and provide updates for any change in application status.


Additional Resources 

Program Highlights


  • Working capital loans to small businesses and nonprofits in New Jersey

  • 3% interest rate

  • Loan term up to 36 months

  • No fees

For More Information


Please contact New Jersey Community Capital at 732.640.2061 x143 or email: