Critical Resources for the Business Community

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Multiple state, local and national agencies are aimed at helping businesses in New Jersey deal with the impact of COVID-19/Coronavirus. Whether the impact is on your employees or your bottom-line, below are resources to help support the business community during this challenging time.

On this page you'll find:

Legal COVID-19 Resource Page – Wilentz Attorneys at Law 


CDBG-CV Grant for Small Businesses

Middlesex County has created a Small Business Grant program to assist small businesses that have been negatively impacted by the coronavirus. The primary purpose of this program is to prepare, prevent and respond to the COVID-19 pandemic in order to develop viable communities through the provision of decent housing, a suitable living environment, and the expansion of economic opportunities, principally for the benefit of persons of low and moderate-income. 

NJ Programs/Resources

The State of Jersey website devoted to business concerns during the coronavirus emergency. The site,, will be updated as new information becomes available. We encourage you to check the site periodically for updates. 

The New Jersey Business Action Center's Helpline is now available from 8:00 am - 9:00 pm, seven days a week. Call 1-800-JERSEY-7 to address any concerns you or your employees have or visit

The NJEDA has created a webpage that directs business owners to various resources to assist in coping financially with the COVID-19 public health crisis. This site will be updated with any new programs or support that becomes available. 

NJEDA Micro Loans makes financing of up to $50,000 available to NJ businesses with annual revenues of no more than $1,5000,000 and 10 full-time employees or less. 

COVID-19/Novel Coronavirus Information for New Jersey Businesses

New Jersey Department of Labor -- Temporary Disability & Family Leave

There are many questions about the appropriate leave an employee should take if they have been exposed to the virus, contract the virus or cannot work because their place of employment has been forced to close. The NJDOL has created a Website Here to answer questions related to leave. 

NJ Department of Labor Employers, Employees rights and resources 

NJ Department of Labor’s employer services page, “What Employers & Businesses Should Know.” 

Earned Sick Leave 

Department of Labor & Workforce Development benefits 

Federal Resources

The USSBA has approved New Jersey for SBA lending programs for the current crisis and will be opening their website for new applications. Please visit for information on how to apply.

The new federal legislation and appropriations has opened up the possibility for small businesses to receive assistance for economic loss due to COVID-19. Details of eligibility and administration of this assistance from SBA are still being addressed. However, some information from the traditional SBA Economic Injury Disaster Loan (EIDL) program may still apply for COVID-19.

Please refer to the SBA's coronavirus website for up-to-date information.

  • The USSBA Small Business Guidance & Loan resources 
  • USSBA's Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.
  • These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can't be paid because of the disaster's impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%
  • For information visit, or contact the SBA disaster assistance customer service center. Call 1-800-659-2955 or e-mail

Links to visit

Community Development Finance Institution (CDFI) Emergency Loan Loss Reserve Fund – (Closed as of 4/14/20) (Grant applications open April 8, 2020 at 9am)A $10 million capital reserve fund to take a first loss position on CDFI loans that provide low-interest working capital to micro-businesses. 

CDFI Emergency Assistance Grant Program (added 4/3/20)(Closed as of 4/14/20) – A $1.25 million program that will provide grants of up to $250,000 to CDFIs to scale operations or reduce interest rates for the duration of the outbreak. 


Small Business Emergency Assistance Grant Program (added 4/3/20) - In response to the economic challenges being faced by New Jersey Small and Medium sized businesses and non-profits (collectively “SMEs”), the New Jersey Economic Development Authority (NJEDA) has created the Small Business Emergency Assistance Grant Program. 

Your organization is eligible for the Small Business Emergency Assistance Loan Grant if you…

  • Have between 1 and 10 FTEs. This means companies non-employee companies (holding), companies that have between 1-10 FTE utilizing 1099 employees, and larger firms are not eligible for this round of grant funding.
  • Have a physical commercial location in the State of New Jersey. Home-based businesses are not eligible for this round of grant funding. A home-based business is a business operated out of a residential property where commercial activity is not zoned to take place.
  • Are classified in one of the following industries: Retail (NAICS codes starting with 44… or 45…); Accommodation & food services (NAICS codes starting with 72…); Arts, entertainment & recreation (NAICS codes starting with 71…); Other services (only those with NAICS codes starting with 811… and 812). You can look up your NAICS code at
  • Are registered to do business in the State of New Jersey.
  • Must certify that the company is in good tax standing with the State
  • Are in good standing with the Department of Labor and Workforce Development, with all decisions of good standing at the discretion of the Commissioner of the Department of Labor and Workforce Development.
  • The CEO of the business must certify that the business:

                1. Will make a best effort not to furlough or lay off any individuals from the time of application through six months after the end of the declared state of emergency. SMEs that have already furloughed or laid off workers must make a best-effort pledge to re-hire those workers as soon as possible. Any material breach of its best efforts certification may result in the NJEDA seeking repayment of the grant.

                2. Has been negatively impacted by the COVID-19 declared state of emergency in Executive Order 103 (e.g., has been temporarily shut down, has been required to reduce hours, has had at least a 20% drop in revenue, has been materially impacted by employees who cannot work due to the outbreak, or has a supply chain that has materially been disrupted and therefore slowed firm-level production).

                3. Has a material financial need that cannot be overcome without the grant of emergency relief funds at this time (e.g., does not have significant cash reserves that can support the SME during this period of economic disruption

  • Non-profit organizations are eligible for this program. Eligible non-profits must have status of 501(c)(3), 501(c)(4), 501(c)(7)

Types of businesses not eligible:

  • Related to gambling or gaming activities 
  • Related to the purveyance of “adult” (i.e., pornographic, lewd, prurient, obscene) activities, services, products or materials (including nude or semi-nude performances or the sale of sexual aids or devices)
  • Auction or bankruptcy or fire or “lost-our-lease” or “going-out-of-business” or similar sale
  • Traveling merchants
  • Christmas tree sales or other outdoor storage
  • Any other activity constituting a nuisance
  • Illegal under the laws of the State of New Jersey
  • No fees will be collected by the authority for this program and funding will be fully disbursed as quickly as possible upon approval of grant application.

In order to apply for the grant, businesses will need to provide the following…

Contact information for someone who is authorized to speak on behalf of your company. For example: an owner or an executive such as a CEO or Executive Director 

Basic information about your company.

  1. Registered legal name and “Doing Business As” name. To confirm your organization’s registered legal name, visit Business Name Search
  2. Federal Employer Identification Number (EIN)
  3. Year your company was established
  4. Full-time employees as of December 31, 2019 and Part-Time Employees as of December 31, 2019

Your organization’s industry as defined by your NAICS code. To confirm your NAICS code, check your federal tax filing or use this site to look up your NAICS code:

Be able to answer the State’s basic debarment question. To see the full application and read the State debarment questions, you may access a copy of the loan application now,

Be able to affirmatively answer and/or certify that:

  1. You are not a home-based business. A home-based business is a business operated out of a residential property where commercial activity is not zoned to take place. 
  2. You are not a prohibited business.
  3. You have been impacted by the COVID-19 outbreak.
  4. You have a material financial need that cannot be overcome without the grant funds.
  5. You will make a best effort not to lay off any additional employees and re-hire any whom you have already laid off.
  6. Information you are providing is correct.
  7. You will allow the NJEDA to check your entries against other State sources of data.

Business Resources

SBA Paycheck Protection Program (PPP) (added 4/2/20)

The New Jersey Small Business Development Centers (NJSBDC) are assisting small businesses throughout New Jersey concerning financing and other forms of technical assistance. We wish to provide you with information on the new Paycheck Protection Program (PPP).

General Program Description 

The PPP is intended to provide business loans to enable small businesses to maintain their workers on payroll. The program extends through June 30, 2020 but you are encouraged to apply very soon.  

Loans will be forgiven if the small business retains its employees for an eight week period; loan funds may be used for payroll, rent, mortgage interest, utilities. 

Small Business Eligibility 

A small business with fewer than 500 employees, private non-profits or 501(c )(19) veteran organizations affected by COVID-19 are eligible for such loans; includes sole proprietorships, independent contractors, self-employed individuals, and small businesses in hospitality/food sector with more than one location. Businesses in certain industries which have more than 500 employees can be eligible, if they meet the SBA’s size standards criteria for those industries.  

Loan Applications

The US Small Business Administration (SBA) has set up a web site.

The SBA anticipates that it will take a substantial time commitment to complete the application. 

Businesses can apply through any existing SBA 7(a) lender or through participating federally insured depository institutions, federally insured credit union, and Farm Credit System institution.  

Business applicants are encouraged to contact their SBA 7(a)local lender.  

Additional Assistance

NJSBDC list of resources

Please note that we appreciate your patience as we are receiving a high volume of calls, inquiries, and email messages. Due to the crisis, the network is working remotely. Please contact the regional SBDC nearest to you.

State of New Jersey Website Devoted to COVID-19 Business Concerns

The State of New Jersey has established a special website devoted to business concerns during the coronavirus emergency. The site, will be updated as new information becomes available. We encourage you to communicate this with the appropriate individuals within your organization.  

In addition, the New Jersey Business Action Center’s Helpline is now available from 8:00 am – 9:00 pm, seven days a week. Call 1-800- JERSEY-7 to address any concerns you or your employees have.

US Small Business Administration Business Information 

The USSBA has approved lending programs for the current crisis and will be opening up their website for new applications! A good source of information:  

Small Business Guidance Loan Resources

 SBA hotline number 800-659-2955. 

Applicants may apply online, receive additional disaster assistance information, and download applications.

  Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email for more information on SBA disaster assistance.  

Additional funding for business has been approved by the US Congress. Please note brief summary below: 

Paycheck Protection Program (PPP)(Updated)

Paycheck Protection Program Applications Opens on April 3, 2020

The Treasury has just announced the start date of the Paycheck Protection Program (PPP) that is designed to provide the necessary cash flow to give employers the ability to maintain their payroll during this current crisis.  

  • The interest rate on the PPP is 1%.  
  • Can borrow up to $10,000,000.
  • Amortization Period: 2 years
  • Does not need to demonstrate ability to repay or have collateral.

How to find an SBA PPP Lender.

When to Apply 

  • Starting April 3, 2020, small businesses and sole proprietorships can apply.
  • Starting April 10, 2020, independent contractors and self-employed individuals can apply.

We encourage you to apply as quickly as you can because there is a funding cap. 

Additional Resources

The Paycheck Protection Program prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses.

Small businesses and sole proprietorships can apply starting April 3. Independent contractors and self-employed individuals can apply starting April 10.

The Paycheck Protection Program provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities. 

Small businesses employing 500 or less and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards. 

Under this program: 

  • Eligible recipients may qualify for a loan up to $10 million determined by 8 weeks of prior average payroll plus an additional 25% of that amount.
  • Loan payments will be deferred for six months.
  • If you maintain your workforce, SBA will forgive the portion of the loan proceeds that are used to cover the first 8 weeks of payroll and certain other expenses following loan origination.

Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees. 

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating. All loans will have the same terms regardless of lender or borrower. 

Paycheck Protection Program (PPP)(Updated April 24, 2020)

 The measure puts $370 billion into aid for low-interest loans for small businesses to help them meet expenses and trying to keep employees on the payroll, even though they may not be open or have incoming revenue. It also includes an additional $60 million for disaster loans. It grants $75 billion to hospitals struggling to cover costs during the crisis and $25 billion for efforts to ramp up additional testing.  The package becomes the fourth passed by Congress to respond to the outbreak, with a total cost approaching $3 trillion.  

The legislation includes:

• $310 billion in new funds for the Paycheck Protection Program, which provides small business loans that can be forgiven if used for wages, benefits, rent, and utilities. $60 billion is set aside for small lenders.

• $60 billion for Small Business Administration disaster assistance loans and grants.

• $75 billion in grants to hospitals dealing with a flood of patients.

• $25 billion to bolster coronavirus testing, a key part of efforts to reopen the economy.

The Small Business Administration issued new guidance on Thursday making it less likely that big publicly traded companies can access the next round of funding for the U.S. government's small business relief program. It also stepped up pressure on public companies that have tapped funds to return the money. Applications to begin Monday, April 27. With funding running our early at last pass, it is highly recommended to apply now.

How do I apply for a small-business loan through the Paycheck Protection Program?

The most recent application form is posted on the Treasury Department's Cares Act resource page. Once you gather the information described in the form, you should contact an SBA-approved lender. You can find one by plugging your Zip code into an online tool on the SBA's website. For local businesses, below is a list of New Brunswick banking offices.

Business Highlight

TRENTON, N.J. (April 24, 2020) - The New Jersey Economic Development Authority (NJEDA) announced today that Goldman Sachs, in partnership with Pursuit, has committed $10 million to loans for small businesses in New Jersey. The commitment is part of Goldman Sachs's 10,000 Small Businesses initiative.

Loan applications are currently available at

Goldman Sachs article

Local New Brunswick City Center Banking Centers Accepting PPP and EIDL Loan Applications

  • Affinity Federal Credit Union - 346 George Street 908-860-3535
    Mgr. Allyson Jones 
    PPP Loan Application for customers only 
  • Amboy Bank - 350 George Street 732-246-1610
    Mgr. Kathy Romano 
    PPP Loan Application accepting both customers and non-customers 
  • Brunswick Bank & Trust - 352 George Street 732-247-5800
    Mgr. Gladys Moreno
    PPP Loan Application for both customers and non-customers 
  • Investors Bank - 385 George Street 732-640-1920
    Mgr. Tina McLean
    PPP Loan Application -taking customers first, but will accept non-customers 
  • TD Bank - 70 Bayard Street 732-867-5732
    Mgr. Emma M. Mazzaferro
    PPP Loan Application for their customers 
  • PNC Bank - 112 Somerset Street 732-828-0108
    Mgr. Dalma Gallardo Dalma.Gallardo@PNC.Com
    Accepting PPP Loan Application for their customers 

Other local banks - Please call to see if they are accepting loan applications

  • Bank of America - 410 George Street 732-846-3351
  • New Millennium Bank - 57 Livingston Avenue 732-729-1100
  • The Bank of Princeton - 1 Spring Street 732-993-0066
  • Wells Fargo Bank - 120 Albany Street 732-843-4200
  • Chase Bank - 390 George Street 732-227-0112 - Temporarily closed.
  • Chase Bank - 133 Neilson Street 732-249-8000 - Temporarily closed.

FAQ - Full List (added 3/30/20)

Other Resources

New Loan Incentive Programs Available to Businesses Through the CARES Act
Due to the unfortunate Coronavirus pandemic, bi-partisan Congressional efforts have been in full force to support and encourage economic relief for individuals and businesses hard hit during this ongoing crisis. There have been a number of benefits passed via the Phase 1, Coronavirus Preparedness and Response Supplemental Appropriations Act and the Phase 2, Families First Coronavirus Response Act.

However, the most significant benefits package to date, the Phase 3 Coronavirus Aid, Relief, and Economic Security Act (“CARES Act or Act”) has recently been passed by Congress and signed into law by the President. The Act delivers over $2 trillion in economic stimulus aimed at providing relief for individuals and businesses, as well as specific industries most seriously harmed by this pandemic.

  • NJHelps works to see if you are eligible for food assistance, cash assistance and health insurance or other resources

NJ Legislation

State of New Jersey COVID-19 Jobs and Hiring Portal

State of New Jersey COVID-19 Jobs & Hiring Portal Link 

The State of New Jersey has developed a centralized resource to match talent with opportunities in industries on the front lines of serving New Jerseyans during the outbreak.

Employers in critical industries should submit information about openings with urgent hiring needs related to COVID19 at Jobs Intake

For additional information on COVID-19/Novel Coronavirus and its impact on businesses, visit the State of New Jersey business portal. (Updated: 3/24/20)


New Jersey COVID-19 Information Hub

Mental Health Telephone Support Available During COVID-19 Outbreak 

State Helpline Offers Support to Individuals Experiencing Anxiety and Worry Related to the Coronavirus Pandemic 

New Jerseyans feeling the emotional and mental toll of COVID-19 can now get support from a special helpline. NJ Mental Health Cares, the state’s behavioral health information and referral service, will now also offer help to people dealing with anxiety and worry related to the COVID-19 outbreak. Residents can call 1-866-202-HELP (4357) for free, confidential support. This hotline will be answered from 8 a.m. to 8 p.m. seven days a week by live trained specialists.

DNJ Forums

Downtown New Jersey is providing a series of virtual opportunities for downtown managers, economic development professionals, and public officials to exchange ideas about best practices related to downtown economic development in light of the COVID-19 crisis. Exchanges are occurring both via a Facebook Group and a series of scheduled live online web forums. 

Additional Resources (added 4/9/20)

Main Street America Resources

Other Informational Resources 

Funding Resources (Private & Non-profit) 

New Brunswick, New Jersey Food Pantries

Call in advance to confirm hours & resources.

  • Elijah's Promise - (732) 545-9002  - 18 Neilson St, New Brunswick 
  • Family and Children's Services Of Central New Jersey - (732) 545-0366 x13 - 2 Kirkpatrick & New St , New Brunswick
  • Ebenezer Baptist Church Food Pantry - (732) 247-2459 - 126 Lee Ave, New Brunswick
  • Christ Episcopal Church - (732) 545-6262  - 5 Paterson St, New Brunswick
  • Five Loaves Food Pantry / Cinco Panes Pantry Mercado - (732) 545-0581  - 100 College Ave, New Brunswick -  Open: Mon - Fri 4p - 8p. Also provide info & referrals on Social Services to Middlesex, like, TANF, SNAP, SSI, Medicare/Medicaid. USA citizenship not required.  No se requiere ciudadanía estadounidense.

For regular updates, follow the New Brunswick City Market on Facebook and Twitter.

 As additional resources are made available, we will share them with our members and keep everyone up-to-date with the ever changing landscape.