Small Business Services

Small Business Dedicated Team

The NJEDA is committed to creating an environment where small businesses can thrive, and has a dedicated team that works closely with New Jersey’s entrepreneurs and small businesses, with a focus on more comprehensively assisting historically underrepresented firms and underserved communities.

Christina Fuentes
Director of Small Business Services

Anthony Martinez, South Region
Sr. Small Business Liaison Officer
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Ken Hart, North Region
Business Development Officer

For more information or to ask a specific question please send an email to smallbusinessservices@njeda.com and a team member will reach out to you. 

Financing & Resources to Grow your Small Business in New Jersey

Low Cost Financing

NJEDA offers small businesses a variety of low-cost financing options including direct loans, loan participations and guarantees, line of credit guarantees and tax-exempt bond financing.

Small businesses can use NJEDA financing for fixed assets or working capital.

Recent enhancements through the Access Program provide more flexibility to small businesses by placing greater emphasis on the borrower’s cash flow and less emphasis on hard collateral. 

Business Improvement & Lease Incentives

In targeted areas of the state, NJEDA provides grant funding to help small businesses lease new or additional space or make building improvements.

Industry Specific Programs

For technology and life sciences businesses, NJEDA has resources customized to those industries including matching loan programs, tax incentives, real estate, and networking opportunities with the investment community.

Technical Assistance

NJEDA helps New Jersey’s entrepreneurs and small businesses start, run, and grow by providing access to technical assistance services including entrepreneurial assessment tools, market opportunity analysis, training and mentoring, and assistance with identifying resources and funding opportunities.

New Jersey Business Portal

Please visit the State of New Jersey Business Portal for more information on:

Starting a Business
Registering a Business 
Starting a Business Checklist
License and Certification Guide
State Contracting


Microlenders and Community Development Financial Institutions (CDFIs)

EDA makes capital available to financial intermediary organizations who can effectively reach small businesses in local markets, including micro-lenders and CDFIs. These organizations have the ability to offer term loans and lines of credit to micro-enterprises and small businesses not qualified for traditional bank financing.

Small businesses who are in need of a microloan are encouraged to click on the links to learn more about these organizations.


A statewide, not-for-profit economic development corporation dedicated to assisting and financing small businesses and minority- and women-owned enterprises. Access to capital is often a small business owner’s greatest challenge and UCEDC offers a variety of financing options when conventional lending sources are not available. With loans ranging from $500 to $5 million, including microloans, SBA 7a, and SBA 504 loans, UCEDC will work with start-up and established businesses to find the right financing solution.

Cooperative Business Assistance Corporation (CBAC) 

CBAC is a non-profit, public-private partnership created in 1987. Established to encourage the growth and stability of the small business sector, CBAC facilitates opportunities for banks to make business loans in the City of Camden, New Jersey, Philadelphia, Pennsylvania, and the six counties located in Southern New Jersey. CBAC offer loans to businesses for as little as $1,000 to as much as $2,000,000 through various loan and guaranty programs.

Greater Newark Enterprises Corporation (GNEC) 

GNEC provides financial assistance and training to small businesses, businesses owned by women, low-income individuals, and minorities for the purpose of encouraging entrepreneurship.

New Jersey Community Capital (NJCC) 

New Jersey Community Capital is a 501(c)(3) nonprofit CDFI that provides innovative financing and technical assistance to organizations that support housing and sustainable community development ventures that increase jobs, improve education and strengthen neighborhoods. NJCC offers loan capital that is broader than bank lending to results-oriented, socially responsible organizations that are committed to creating positive change in low-to-moderate income communities throughout New Jersey.

Regional Business Assistance Corporation (RBAC) 

RBAC is a private non-profit organization formed in 1981 to provide loans to both new and existing small businesses in New Jersey.  RBAC's mission is to provide loan capital and business mentoring to small business owners that cannot access more conventional bank financing.  All RBAC loan programs can be, and often are used in partnership with other lenders for larger loan amounts.

Technical Assistance Partners


In addition to the  funding EDA administers as loans and loan guarantees to New Jersey small businesses, EDA also partners with several organizations that provide a wide array of services to New Jersey small businesses and entrepreneurs.

Expert staff at these organizations provide support and guidance in a variety of areas including: technical assistance, mentoring/coaching, financing, government contracting assistance, technology commercialization and international trade facilitation. Our partners offer focused outreach to minority- and women-owned businesses and many of their programs are free of charge.

We encourage you to explore how your business can benefit from these services. Click on the links below or in the navigation at the left to learn more.


UCEDC offers intensive six-week workshops throughout the year at various locations in New Jersey, with curriculum tailored specifically to start-ups or established businesses. Start-up entrepreneurs are guided through a personal business-readiness assessment and the basics of starting a business in New Jersey. Owners of established businesses are helped to challenge their status quo and bring their operations to the next level.

New Jersey Small Business Development Centers (NJSBDC) 

The NJSBDC network, comprised of 11 centers across the state, provides comprehensive services and programs for small business in New Jersey. NJSBDC expert staff and practicing business consultants help established small business owners and aspiring entrepreneurs to develop business plans and marketing strategies, learn accounting and financial analysis, find capital financing, identify new markets, and expand their operations. NJSBDC provides one-to-one management consulting and counseling, training, loan packaging services and specialized assistance in procurement, technology commercialization, E-Business presence, and international trade.