0% Loan Program: Exclusively for Women Business Owners in Union County

The grant that funds this program has ended.  We hope to receive additional funding in the near future.  You may be interested in a similar program that offers working capital at a 3% fixed rate.  Learn more here.

In partnership with the Union County Board of Chosen Freeholders

Sharing the workload

*o% interest for 5 years

*Up to $25,000

*No collateral

*Monthly payment (based on 25k):


UCEDC is proud to harness the power of its partners – the Union County Board of Chosen Freeholders, Investors Bank, and the Tory Burch Foundation Capital Program, powered by Bank of America – to bring women business owners this unprecedented access to working capital.

Get the working capital you need to pay down more expensive debt, cover expenses during seasonal slow-downs, gear up for busy periods – almost any business purpose.


  • Woman-owned business (51%+)
  • Registered in Union County
  • 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 within two business days 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. (If you do not qualify for this loan program, you may be eligible to take advantage of our “Loan Sale for Women Business Owners”.  Learn more.)

Click here for our secure, online application.