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Garden State Relief Fund

Providing capital for small businesses and nonprofits impacted by the COVID-19 pandemic

Relief and Recovery for Small Businesses & Nonprofits

The Garden State Relief Fund is meeting the long-term needs of small businesses and nonprofits impacted by the COVID-19 pandemic. We know that small businesses are the heart of our communities, and in the midst of COVID-19, many continue to encounter unexpected challenges in a rapidly changing market.

The Garden State Relief Fund offers working capital loans to small businesses and nonprofits negatively impacted by the ongoing effects of the COVID-19 pandemic.

NJCC Expands Garden State Relief Fund to Support Recovery Efforts for Small Businesses & Nonprofits Affected by Hurricane Ida

New Jersey Community Capital has expanded its Garden State Relief Fund to actively respond to the immediate needs of small businesses and nonprofits that suffered damage from Hurricane Ida. The program will provide low-interest recovery loans from $10,000 to $75,000 to New Jersey-based small businesses and nonprofits.

Eligible applicants may use funding to support recovery efforts including but not limited to building repairs (commercial buildings only; replacement of equipment; inventory replenishment; and rent/ mortgage payments). Please view the application form below.

How We Help

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 disproportionately affected by this evolving public health crisis.


  • Businesses and nonprofits in New Jersey with 1 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 read for more information.

Loan Terms

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

How to Apply

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


Application Form

Garden State Relief Fund Stories

Englewood Krav Maga

After securing a $25,000 working capital loan through New Jersey Community Capital's Garden State Relief Fund, Traci was able to attain financial security for her small business and assume operations once restrictions were lifted.

Read Story

Contact Us

For additional program information, please contact us by calling 732.640.2061 ext. 143 or by emailing below.