New Jersey Small Business Loans

New Jersey, known as the “Garden State,” pairs rich history with a strong economy, generating over $800 billion in GDP and ranking among the top states for median household income and business density.

Home to major Fortune 500 headquarters—including Johnson & Johnson, Prudential Financial, Merck, Campbell Soup, and PSEG—the state is a proven hub for business growth. Combined with a vibrant sports culture and access to key markets, New Jersey offers a supportive environment for entrepreneurs seeking small business loans and funding solutions.

Types of Business Loans in New Jersey

New Jersey’s economy is robust, driven by key industries such as pharmaceuticals, healthcare, technology, and manufacturing. The state’s proximity to major markets like New York City and Philadelphia also boosts its economic potential. With a diverse economic base, businesses across various sectors can benefit from different types of financing. Small business loans are one of the most accessible ways to fuel business growth, and here are some of the most popular types available in New Jersey:

Equipment Financing

Many small business owners hear about equipment financing and think of big excavators and tractors. Yes, construction equipment is financeable – but so is a lot of other equipment. Big or small, basic or complicated, we provide small business owners with a fast and effective means to finance any type of equipment that they may need.

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Unsecured Business Loans

Rates so low that you will forget that you’re repaying it! Unsecured business loans require zero collateral but do require personal guarantees. Traditional bank rate financing with much quicker turnaround times. Want to expand, purchase inventory, hire employees, or refinance existing debt without having to wait 30 days?

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Merchant Cash Advance

Leverage your future sales in exchange for a lump sum of capital, today! Merchant Cash Advance are great for small businesses that need fast access to capital for new growth opportunities with little documentation required.

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SBA Loan

SBA loans are business loans guaranteed by the Small Business Administration. With their multiple SBA small business funding programs, this government agency provides SBA loan guarantees of up to 85% of the loan amount provided through an SBA-approved lender—typically banks.

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Business Line of Credit

Lines revolve and refresh, so any payments on principal made get added back to the available balance of the credit line. Business Line of Credit offers flexibility, good rates, and lack of restrictions which make it a good solution for any type of business, regardless of its industry.

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Startup Funding

Discover founder-friendly startup funding strategies—SBA loans, 0% credit hacks, grants & fast equipment financing. Launch smart, grow faster.

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How to Apply for a new jersey Business Loan

Applying for a business loan in New Jersey is quick and hassle-free. Whether you need funding to expand, manage cash flow, or invest in equipment, our streamlined process ensures fast approvals and flexible terms. With just a few steps, you can secure the capital your business needs to grow.

Apply in Minutes

Fill out our simple online application in just a few minutes. Provide basic business details, financial information, and the loan amount you need. No lengthy paperwork required.

Get a Quick Decision

Our system quickly reviews your application and lets you know if you qualify for one or multiple funding options. Choose the best funding option based on your business needs and repayment preferences.

4: Receive Your Funds

Once approved, sign your agreement and access your funds—Sometimes as fast as the same day. Use your financing to grow, manage cash flow, or invest in new opportunities.

New Jersey Business Loans That Fit Every Industry in Every State

Business Loans in Every State
Business Loans By Industry

From Florida to California, we help small businesses get funded without the bank drama. Explore unsecured loans, equipment financing, and revenue-based options tailored to your state.

Pick your State to get started.

Restaurants, contractors, retailers, salons — we fund them all. Whether you need to hire, stock up, or upgrade equipment, find business loan options made for your industry.

Pick your business type and take the next step.

Best Banks for Business Loans in New Jersey

When choosing a lender for your business loan, it’s important to consider banks with a proven track record of supporting small businesses. Here are three of the top SBA lenders in New Jersey that offer tailored financing solutions for entrepreneurs:

PNC Bank

PNC Bank is one of the leading SBA lenders in New Jersey, providing a wide range of business loan options. Their SBA loan programs offer low-interest rates and flexible terms, making it easier for small business owners to access capital. PNC Bank is known for its strong commitment to helping local businesses grow, offering expert guidance and personalized service for New Jersey entrepreneurs.
TD Bank

TD Bank offers SBA loans and various business financing options to small businesses across New Jersey. Known for its fast and efficient loan application process, TD Bank helps business owners secure the funding they need quickly and easily. They offer competitive rates and personalized loan terms that align with the unique needs of businesses in New Jersey’s diverse economy.
Wells Fargo

Wells Fargo is another top SBA lender in New Jersey, providing comprehensive loan products for small businesses. From SBA 7(a) loans to lines of credit, Wells Fargo offers financing options that support long-term growth. Their team of financial experts is dedicated to helping New Jersey business owners navigate the loan process and find the best financial solutions to fuel their success.

I appreciate the communication and knowledge the AMP team shared with me. I got the funding I needed in time and was able to pick up a big project I really wanted!

Matthew L.

It is an excellent company, the process to get funded was very easy and fast, and the customer service was very good 👍

Sebastián V.

Great customer service. Everyone was very friendly but still professional. They went the extra mile to help me get funding. They are awesome!

Stephanie D.

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What types of small business loans are available in New Jersey?

Small business owners in New Jersey can access various loan options, including SBA loans, SBA 504 loans, microloans, equipment leasing, and revolving line of credit.

State-specific programs, such as those provided by the New Jersey Economic Development Authority (NJEDA), offer additional financing opportunities.

How can I qualify for a business loan in New Jersey with limited collateral?

Qualifying for a business loan with limited collateral is achievable through programs like SBA 7(a) and 504 loans, which offer flexibility and favorable terms. AMP Advance collaborates with these programs to assist businesses in securing necessary financing, even with limited collateral.

Are there specific loan programs for small businesses in New Jersey?

Yes, New Jersey offers several state-specific loan programs to support small businesses.

Raza Development Fund – A national CDFI with active programs in New Jersey, providing loans and investments to support Latino‑owned small businesses, education projects, and community facilities.

Cooperative Business Assistance Corporation (CBAC) – A South Jersey–based CDFI offering microloans and small business loans to entrepreneurs who may not qualify for traditional financing.

UCEDC – A nonprofit economic development corporation and certified CDFI providing small business loans, SBA 7(a) microloans, and training programs throughout New Jersey.

These programs make capital more accessible for New Jersey entrepreneurs looking to start, grow, or expand their businesses.