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Learn more about applying for business loans.</div><div class="nav-promo-div"><div class="button-highlight plan w-condition-invisible"><a href="https://navigator.business.nj.gov/" target="_blank" class="nav-promo-link-block w-inline-block"><img src="https://cdn.prod.website-files.com/5e31b06cb76b830809358a75/63977080959ce3279e9eb8c5_Vector.svg" loading="lazy" alt="" class="nav-promo-image"/><div class="nav-hero-button-txt">Find Funding Fit for Your Business</div><div class="icon-arrow w-icon-slider-right"></div></a></div><div class="button-highlight start w-condition-invisible"><a href="https://navigator.business.nj.gov/" target="_blank" class="nav-promo-link-block w-inline-block"><img src="https://cdn.prod.website-files.com/5e31b06cb76b830809358a75/63977080959ce3279e9eb8c5_Vector.svg" loading="lazy" alt="" class="nav-promo-image"/><div class="nav-hero-button-txt">Find Funding Fit for Your Business</div><div class="icon-arrow w-icon-slider-right"></div></a></div><div 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aria-label="Sidebar, topic navigation menu" style="color:hsla(81.6923076923077, 100.00%, 25.49%, 1.00)" class="side-nav-header">Grow</h2><div class="subpage-side-nav w-clearfix"><a href="/starter-kits" class="side-nav-link current w-condition-invisible">Industry Starter Kits</a><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><a href="/pages/prepare-loan-application" aria-current="page" class="side-nav-link w--current">Prepare a Loan Application </a></div><div role="listitem" class="w-dyn-item"><a href="/pages/open-another-location" class="side-nav-link">Open Another Location</a></div><div role="listitem" class="w-dyn-item"><a href="/pages/government-contracting" class="side-nav-link">Government Contracting</a></div><div role="listitem" class="w-dyn-item"><a href="/pages/exporting" class="side-nav-link">Exporting</a></div><div role="listitem" class="w-dyn-item"><a href="/pages/market-your-business" class="side-nav-link">Market Your Business</a></div></div></div><div class="subpage-nav-block test ng hide"><h3 class="heading-three">Contents</h3><a href="#" class="nav-link-page test">Form Your Business</a><a href="#" class="nav-link-page test">Develop an Alternate Name (DBA)</a><a href="#" class="nav-link-page test">Obtain anEmployer Identification Number from the IRS</a><a href="#" class="nav-link-page test">Register for NJ Tax and Employer Purposes</a></div><a href="/licensing-and-certification-guide" class="side-nav-link current w-condition-invisible">Licensing and Certification Guide</a><a href="/bags/plastic-ban-law" class="side-nav-link current w-condition-invisible">Plastic Ban Resources</a></div><div style="background-color:hsla(81.6923076923077, 100.00%, 25.49%, 1.00)" class="nav-promo-tile"><div style="background-color:hsla(81.6923076923077, 100.00%, 97.32%, 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</a></div><div id="Navigator-Section" class="subpage-content-div nav w-condition-invisible"><div class="rg-div update nav"><h2 class="heading-three"><strong class="callout-heading">Starting a business? Get a Free, Personalized, Step-by-Step Guide!</strong></h2><div><div class="rich-text-block-14 w-richtext"><p>Learn what forms and licenses you need to start your business and avoid fines. We’ll ask you a few onboarding questions; be prepared to tell us your legal structure, industry, and location.</p></div><a href="https://navigator.business.nj.gov/" class="button no-top-margin w-inline-block"><div class="button-txt">Get Started Today!</div></a></div></div></div><div id="contents-section" class="subpage-content-div content"><h2 class="contents">Contents</h2><a href="#section-1" class="check w-condition-invisible w-dyn-bind-empty"></a><a href="#section-2" class="check">Understand Your Financing Options</a><a href="#section-3" class="check">Estimate How Much Money To Borrow</a><a href="#section-4" class="check">Understand the Different Types of Business Loans‍</a><a href="#section-5" class="check">Organize Your Loan Information</a><a href="#section-6" class="check">Select and Develop a Relationship With a Bank</a><a href="#section-7" class="check">Understand Loan Request Review Criteria</a><a href="#section-8" class="check">Find Loan Resources</a><a href="#section-9" class="check">A Note of Caution</a><a href="#section-10" class="check w-condition-invisible w-dyn-bind-empty"></a><a href="#" class="btt-link w-inline-block"><div class="btt-div"><div class="div-block-82"><img src="https://cdn.prod.website-files.com/5e31b06cb76b830809358a75/61ba062c7b974d4ee2e164cf_arrow-up.svg" loading="lazy" width="15" alt="Up Arrow" class="image-25"/></div><div class="text-block-40">Back to Top</div></div></a></div><div class="meta-data"><div class="w-dyn-bind-empty"></div></div><div id="section-1" class="subpage-content-div top"><h2 class="accordion-title w-dyn-bind-empty"></h2><div class="w-richtext"><p>Your business has been up and running for a year or 2, and you have a list of places where you would like to make capital investments. Or you are a long-time business owner deciding to expand into different markets –you’re even thinking about <a href="https://business.nj.gov/pages/exporting">exports</a>. Or you are a brand new business owner, just getting started.</p><p>Whatever your situation, you are probably thinking about how to best finance your business beyond committing personal funds. (It is good to keep in mind that using personal funds is considered a key indicator of your seriousness about the business. Risking personal money gives confidence to others investing in the business.)<br/></p></div><div class="message-block w-condition-invisible"><img src="https://cdn.prod.website-files.com/5e31b06cb76b830809358a75/5e31b06cb76b8397cb358ae1_PQCfDOAlsBSE68gYxUIkdhSAawF4dyTPwXD8P%2BwB7OgjkHZzAAAAAElFTkSuQmCC.png" alt="" class="message-block-icon"/><p class="message-block-paragraph w-dyn-bind-empty"></p></div><a href="/404" class="read-more-link-block w-inline-block w-clearfix w-condition-invisible"><div class="read-more-title">Go</div><img src="https://cdn.prod.website-files.com/5e31b06cb76b830809358a75/5e31b06cb76b83477c358ab3_arrow-point-to-right%20(1).svg" width="15" alt="" class="read-more-arrow"/></a><a href="https://www.state.nj.us/treasury/revenue/" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div class="subpage-content-div"><div class="callout-box-div"><h2 class="heading-three"><strong class="callout-box-heading">Recent Regulations and Resources</strong></h2><div class="w-dyn-list"><div class="empty-state-7 w-dyn-empty"><div><a href="/recent" class="news-links _2 nj">View new programs, regulations, and guidance here.</a></div></div></div></div></div><div id="section-2" class="subpage-content-div"><h2 class="accordion-title">Understand Your Financing Options</h2><div class="page-rich-txt w-richtext"><p>There are several ways your business can get financial support:</p><ul role="list"><li><strong>Banks</strong>: Banks are a traditional way to finance a business but have the strictest requirements for providing loans. You may be required to provide an alternate source of income and/or an impressive credit score or be able to provide significant collateral. They may also require that you have a business plan if you are a new business, they will want projected cash flows and other financial documents.</li><li><strong>Investors</strong>: Your investors may be people you know, such as friends, relatives, or colleagues. Investment can also come from venture capital—angel investors or venture capital firms that want to invest in your business. Examples include commercial finance companies and venture capital funds.</li><li><strong>Community Development Financial Institutions / Micro Lenders:</strong> This is a good option if you are unable to get a traditional loan. This could be a good first step to building credit and getting a bigger loan down the line.</li><li><strong>Life insurance companies: </strong>We strongly encourage working with an attorney on this approach due to tax implications.</li><li><strong>Crowdfunding:</strong> Also known as peer-to-peer lending or investing, is an alternative funding model often via internet platforms. Crowdfunding can also raise awareness of your company or brand.<a href="https://business.nj.gov/funding">‍</a></li><li><strong>Government funding: </strong>Funding programs with different government agencies are another way to fund some business ventures. These programs can provide a variety of capital or offer tax breaks for your business. <a href="https://business.nj.gov/funding" target="_blank">View open government funding opportunities</a>. </li></ul></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div id="section-3" class="subpage-content-div"><h2 class="accordion-title">Estimate How Much Money To Borrow</h2><div class="page-rich-txt w-richtext"><p>Once the building and equipment needs have been met, the business owner(s) must have enough money on hand to cover operating expenses for at least a year. These expenses include salaries and money to repay the loan. Work closely with your accountant to estimate cash flow needs.</p></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div id="section-4" class="subpage-content-div"><h2 class="accordion-title">Understand the Different Types of Business Loans‍</h2><div class="page-rich-txt w-richtext"><p>Short-Term Loans are paid back in less than one year. Types of short-term loans include:</p><ul role="list"><li><strong>Working Capital Loan: </strong>Should not be used for something like expansion but rather a situation where a business needs cash quickly to cover immediate expenses</li><li><strong>Accounts Receivable Loan: </strong>Uses accounts receivable as collateral. The bank would typically lend a fraction of the value of the receivables</li><li><strong>Line of Credit: </strong>It’s a preset amount of money that a financial institution like a bank or credit union has agreed to lend you and that you can borrow in increments</li></ul><p>Long-Term Loans last longer than one year. These loans are used for major business expansions, purchases of real property, acquisitions, and in some instances, start-up costs Types of long-term loans include:</p><ul role="list"><li>Personal Loan</li><li>Commercial Mortgage</li><li><strong>Term Loan:</strong> A loan from a bank for a specific amount that has a specified repayment schedule and a fixed or floating interest rate</li></ul></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div id="section-5" class="subpage-content-div"><h2 class="accordion-title">Organize Your Loan Information</h2><div class="page-rich-txt w-richtext"><p>A good loan proposal will be written and contain the following key elements:</p><p><strong>General Information</strong></p><ul role="list"><li>Provide the business name, address, names of principals, and the social security number of each principal</li><li>State the purpose of the loan and provide exactly what the loan will be used for and why it is needed</li><li>Provide the amount required in the exact amount needed to achieve your purpose</li></ul><p><strong>Business Description</strong></p><ul role="list"><li>Give the history and nature of the business with details of the business’s age, number of employees, and current business assets</li><li>Provide details on the ownership structure (the company’s business structure)</li></ul><p><strong>Management Profile</strong></p><ul role="list"><li>Develop a management profile detailing the responsibility of each principal staff member</li><li>Include the individual’s background, education, experience, skills, and accomplishments</li></ul><p><strong>Market Information</strong></p><ul role="list"><li>Provide a clear definition of the products and markets</li><li>Identify competition and explain how the business competes in the marketplace</li><li>Profile the company’s customers and explain how the business can satisfy their needs</li></ul><p><strong>Financial Information</strong></p><ul role="list"><li>Provide financial statements including balance sheets and income statements for the past 3 years (if just starting, provide a projected balance sheet and income statement)</li><li>Prepare a personal financial statement on yourself and other principal owners of the business</li><li>List all collateral that could be pledged to the bank as security for the loan</li></ul></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div id="section-6" class="subpage-content-div"><h2 class="accordion-title">Select and Develop a Relationship With a Bank</h2><div class="page-rich-txt w-richtext"><p>When business owners have trouble with banks the major problem is generally related to communication. It’s important that bankers are informed about the business and it’s equally important that business owners are informed about a bank’s policies and procedures.</p><p>Open communication with the bank cannot be overemphasized. A well-informed banker may anticipate needs and be able to react quickly to a request. In a problem loan situation, the banker may be more likely to work with the borrower than in a situation where communication has been absent.</p><p>Business owners and bankers should meet to discuss what is needed and expected by each party.</p></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div id="section-7" class="subpage-content-div"><h2 class="accordion-title">Understand Loan Request Review Criteria</h2><div class="page-rich-txt w-richtext"><p>A loan officer’s primary concern when reviewing a loan request is whether or not the loan will be repaid. To help answer this question, many loan officers will order a copy of your business credit report. Using the credit report and the information you have provided, the lending officer will consider the following:</p><ul role="list"><li>Have the principal(s) invested savings or personal equity in the business totaling at least 25% to 50% of the loan requested? Remember a lender or investor will not finance 100% of the business.</li><li>Does the principal(s) have a sound record of credit worthiness as indicated by your credit report, work history, and letters of recommendation? This is very important.</li><li>Does the principal(s) have sufficient experience and training to operate a successful business?</li><li>Has the principal(s) prepared a loan proposal and business plan that demonstrates an understanding of the business and commitment to the success of the business?</li><li>Does the business have sufficient “cash flow” to make the monthly payments on the loan request?</li></ul></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div id="section-8" class="subpage-content-div"><h2 class="accordion-title">Find Loan Resources</h2><div class="page-rich-txt w-richtext"><p>These organizations have workshops, people who can answer questions, mentoring programs, and more. Whether you’re refining a business plan, thinking through potential expansion, or need some questions clarified, these entities will have information and support. </p><ul role="list"><li><a href="https://nj.gov/state/bac/" target="_blank"><strong>New Jersey Business Action Center</strong></a><strong> </strong></li><li><a href="https://njsbdc.com/" target="_blank"><strong>Small Business Development Centers</strong></a></li><li><a href="https://www.score.org/" target="_blank"><strong>SCORE</strong></a></li></ul><p>For more, visit the business.nj.gov <a href="https://business.nj.gov/pages/business-support">business support page</a>.</p></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div id="section-9" class="subpage-content-div"><h2 class="accordion-title">A Note of Caution</h2><div class="page-rich-txt w-richtext"><p>Be aware of advertisements or programs from so-called experts that offer “insider information” on financing a business with claims the state government or other public organizations have funds in the form of grants or extremely low-rate loans are available to the following groups:</p><ul role="list"><li>Individuals who want to open a business</li><li>Companies in severe financial trouble</li><li>Minority, women, or foreign-born entrepreneurs</li></ul><p>The “insider information” is usually no more than common business guidelines and a list of government agencies that can be found in a library, telephone book, or on the Internet.</p><p>Once a person begins calling these numbers to request money they quickly find out that the programs often have been misrepresented. Make sure you understand the terms, conditions, and obligations of the loan to avoid predatory lenders.</p><p>If you’re interested in information on financing a business through government funds, you can<a href="https://business.nj.gov/funding"> check out our verified, government-created database.</a></p></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div><div id="section-10" class="subpage-content-div w-condition-invisible"><h2 class="accordion-title w-dyn-bind-empty"></h2><div class="page-rich-txt w-dyn-bind-empty w-richtext"></div><a href="#" class="button-nj w-condition-invisible w-dyn-bind-empty w-button"></a></div></div></div><footer class="footer-wrapper"><div class="div-block-135"><p class="paragraph-17">This information is supplied as a guide and is not a substitute for legal or professional advice. It is the responsibility of the business owner to comply with all local, county, and state regulations even if they are not listed here. 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