3% Working Capital Loan Program

The working capital you need.
At a price you can afford.

Complete our Rapid Pre-Qual Application and get an answer in 24 hours!

*3% fixed for five years

*Up to $25,000

*No collateral

*No fees or prepay penalties

Access to capital is the lifeblood of small businesses, but too often the cost of that capital is out of reach. If your business is doing well and your personal credit score is good, our 3% working capital loan program may be the answer.

With the support of a grant from Investors Bank, we’ve established our 3% loan program to provide New Jersey and New York business owners with the working capital they need to pay down more expensive debt, cover expenses during seasonal slow-downs, gear up for busy periods – almost any business purpose.

Our below-Prime interest rate is fixed for five years (currently 2.0 percentage points below Prime) while interest rates are expected to rise and there are no collateral requirements. SEE WHAT YOU'LL PAY.

Plug in the loan amount you want and see how little you’ll be paying each month.
(And while you’re at it, see how much you can save by paying off more expensive business debt!)

Loan Payment Calculator
Format loan amount as xxxxx, not $xx,xxx and interest rate as 3.0, not 3.0%
Interest rate:


  • In business for at least three years
  • Profitable on latest tax return
  • Minimum personal credit score of 680

Simple application requirements

  • Completed loan application
  • Last two years of personal and business tax returns
  • Interim profit and loss statement

Ready to get started?

Take the first step by completing our online Rapid Pre-Qual Application.  It should take no longer than five minutes to complete (have your latest business tax return ready to be uploaded) and you’ll hear from us in 24 hours with an initial assessment of your application. (If you’re not prepared to upload your tax return, please call us at 908-527-1166 for instructions).

If you are pre-qualified, we’ll ask you to complete a loan application and supply additional documentation.  Our final decision will be based on the complete application package.

Click here for our secure, online
Rapid Pre-Qual Application

Made possible in part by a grant from

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