NJ Capital Access Fund

Apply for up to $250,000 for working capital or inventory

When your New Jersey-based business needs financing for working capital or inventory, you’ll find a flexible option in the NJ Capital Access Fund.

You can apply for up to $250,000 at a fixed interest rate through an easy-to-use online application and get the funding you need to keep your business growing.

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Flexible funding

online business loan

Easy-to-use online application

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No prepayment penalty

What is the NJ Capital Access Fund?

The NJ Capital Access Fund provides loans up to $250,000 in flexible funding to help small businesses like yours reach higher, grow, and transform. Developed by the New Jersey Economic Development Authority (NJEDA), the program is designed to connect small businesses with funders and expert advisors to achieve your goals. Pursuit is a participating lender in the program. Here’s how to get a small business loan through the NJ Capital Access Fund:

NJ Capital Access Fund Details

  • Loan amount: up to $250,000
  • Interest rate: fixed at 9.5 – 11.5%
  • Term: 3-5 years
  • Fees: up to $750 in third-party closing fees will be funded into your loan and determined at closing

Is the NJ Capital Access Fund right for me?


If your business is based in New Jersey and has been in operation for more than a year, you could be a good candidate for the program! To be considered for automatic approval, you must meet the following requirements:

  • Business must be located in New Jersey
  • One or more years in business
  • 50 or fewer full-time employees
  • Less than $10 million in gross annual revenue
  • Break-even or positive cash flow
  • No open liens or judgments on your personal/business credit reports and public searches
  • No bankruptcy filings in the last 7 years
  • Satisfactory personal credit history that shows your ability to repay prior creditors

Even if you don’t meet some of the requirements above, you can apply for a small business loan with Pursuit. Find out if you’re eligible for our business advisory services, which can help you get loan-ready, repair your credit and improve your business’s financial picture for the future.

Please note that we do not lend to money-service businesses; ‘passive’ businesses engaged in owning, purchasing, leasing, or re-selling real estate or other assets; or those operating in sin industries. 

What can you use the NJ Capital Access Fund for?


There are many ways to use your funding from the NJ Capital Access Fund; in fact, it was designed with flexible spending in mind! Here are a few ways business owners have used their funds:

  • Working capital
  • Supplies
  • Rent
  • Utilities
  • Marketing and advertising
  • Other business expenses

With the NJ Capital Access Fund, you’ll find an affordable and responsible small business loan and one-on-one support to guide you every step of the way. How will you use your small business loan?

Here’s how we’ve worked with other New Jersey businesses:

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Get started

Ready to fund your dream? Learn more about our small business loan application process and get started today.

Find the right loan for your business today

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