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As a mission-driven financial institution, New Jersey Community Capital works to provide capital to support transformative projects that drive local economies and create long-term generational wealth for the residents and communities we serve.



NJCC finances projects across affordable housing, community and commercial real estate, economic development, education, and early child care through flexible lending products, including acquisition and construction, leasehold improvements, predevelopment, rehabilitation, working capital and bridge loans.

Loan Inquiry

If you would like to submit a loan inquiry, please complete the NJCC Loan Inquiry form.

NJCC Loan Inquiry form

Para solicitar esta información o una aplicación en español o en otro idioma, envíe una solicitud a través de To request this information or an application in Spanish or any other language, please submit a request to

We take a comprehensive and holistic approach to building thriving communities by financing projects that use the diverse pillars of a community.

Healthy Neighborhoods

No solution is impractical when we choose to invest in healthy places and healthy opportunities. As community builders, we witness this through the creation and preservation of safe, affordable and healthy homes; high-quality jobs and education; vibrant public spaces; and access to healthy food and green spaces where residents gather to shape their own stories.

Small Businesses

We know that small businesses are the backbones of our main streets and commercial corridors. NJCC’s small business lending program provides diverse small businesses the ability to access capital at affordable fixed rates.

Neighborhood Stabilization

We provide flexible, long-term lending capital to enable the completion of high-impact neighborhood stabilization projects in disadvantaged communities across New Jersey.

Community Facilities & Commercial Spaces

Community facilities and commercial spaces are integral aspects of community development. NJCC finances the construction of various commercial (real estate) developments, including office and retail spaces, early child care centers, job training centers, and community gathering places.

Success Stories

Polaris American

After receiving a $500,000 acquisition and construction revolving line of credit from New Jersey Community Capital, William (Bill) was able to initially purchase two vacant, scattered-site properties in his hometown to rehabilitate and renovate into quality affordable housing units.

Read Story

Contact Us

Please contact us by calling 732.640.2061 or emailing below. If you're interested in applying for a loan, please complete the Loan Inquiry form above.