Business Loans in New Jersey

Get the funding you need to succeed in your New Jersey business

7,500+

Small Business Customers

375 Million+

in Funded Capital

A+

Rating from the BBB

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Known as the “Garden State,” New Jersey is located between Boston and Washington D.C., putting it smack in the middle of a powerhouse of economic activity in the United States. The opportunities for New Jersey small businesses are endless when it comes to consumers and industry as New Jersey's economy is thriving.

At AdvancePoint Capital, we specialize in providing small business loans in New Jersey up to $1,000,000 with flexible terms and rates tailored to your needs. Trust us to understand and meet the unique financial needs of your business.

Whether you’re looking for a loan for working capital or have a business plan to expand your business, Advancepoint Capital can help. We have access to a variety of loan products, including SBA loans, equipment financing, lines of credit, and more.

Get A Business Loan in New Jersey

If you need your cash fast, Advancepoint Capital offers business loans with flexible terms and rates that work for you. We understand the needs of small businesses in New Jersey and can help you access the funding you need to grow your business. As a trusted provider of small business loans in New Jersey, we understand the unique needs of businesses in the state and can help you find the right financing solution. Contact us today to learn more about our loan products and how we can help you. We offer free counseling so inquire about our services.

9 Best Loans for New Jersey Small Businesses (March 2024)

small business loan

Small Business Loans

Small business loans are a great solution based businesses looking for access to capital for there business. Small Business loans have fixed terms and fixed payments making repayment predictable and affordable

SBA Loan

SBA Loans

Government agencies such as the Small Business Administration (SBA) provide affordable SBA financial programs at attractive rates and terms.

Merchant Cash Advance

Merchant Cash Advance

Merchant cash advance provides access to money to New Jersey based businesses who can't get business financing from traditional banks and lenders due to credit, financial analysis, cash flow or other reason. Terms are shorter in duration to pay and funds are paid back by a percentage of future credit card sales.

Small Business Cash Advance

Business Cash Advance

Business cash advance(BCA), like Merchant cash advance(MCA) provides money for businesses that can't get traditional small business loans. What's different about a BCA verses MCA is that the funds ae paid back by a percentage of future deposits of the business.

Business Line of Credit

Business Line of Credit

Business Line of credit is a revolving line which allows you to draw funds on demand without speaking to the lender up to a credit limit. Great for quick working capital needs.

Equipment Financing

Equipment Financing

When you need to purchase new equipment and equipment loan or lease is the finance choice. Equipment financing uses the equipment to provide longer terms to make the payments more affordable than many small business loans.

Invoice Financing

Invoice Financing

Invoice factoring allows companies who invoice there clients on a monthly basis an ability to advance the amount of the invoice to the merchant before the client pays invoice in full. Great way to get paid fast and keep cash flow healthy.

Short-Term Business Loan

Short Term Small Business Loans

Short term loans provide funds to businesses in need of working capital. Short time frame to repay.

Long Term Business Loans

Long Term Business Loans

Long term loans help finance large projects and business expansion that provides access to money with affordable payments and time to repay.

U.S. Small Business Administration

How to Grow Your Business in New Jersey

View the New Jersey Small Business Resource Guide for information and assistance in growing your local business, exploring funding options, and contracting.

U.S. (SBA) U.S. Small Business Administration
New Jersey District Office

New Jersey small business loan

Why Do You Need a Business Loan?

What do NJ small businesses use their loan proceeds for? The most common reasons New Jersey small businesses look to finance:

  • General capital funds for business
  • Stabilizing cash flow
  • Fund business opportunities to expand the company
  • Purchase of equipment
  • Advertising/Marketing Costs
  • Money for unexpected issues
  • Employees, help, or staff resources 
  • Operational needs to support services
  • Spur Economic Development

Additional Resources, Grants, and Other Opportunities in New Jersey

Why AdvancePoint Capital?

With our extensive years of experience, we have been offering financing solutions to businesses in New Jersey. The trust in our services is evident through the exceptional reviews and feedback from small business owners. Our team consists of experienced business funding specialists in New Jersey who are dedicated to assisting you. Moreover, we provide no-cost, no-commitment quotes, ensuring that you can explore your options without any obligations. Choose from a diverse range of business loan products designed to cater to the unique requirements of businesses operating in New Jersey.

Apply for Business Loans in New Jersey Today!


Securing a financing solution or obtaining financial advice in New Jersey can be challenging. However, AdvancePoint Capital simplifies the process of applying for a business loan, making it quick and hassle-free. By completing our straightforward online form and application page, you can set yourself on the path to obtaining a business loan in New Jersey within just a few hours.

New Jersey get started today adavancepoint

Get Started Today

AdvancePoint Capital makes the loan application process a simple, straightforward experience.

Frequently Asked Questions

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advancepoint get quote now