GNEC Loan Programs

DreamMaker Loan Program

If you require up to a $30,000 loan for your business, then the GNEC DreamMaker Loan can be the right option for you. Borrow between $1,000 to $30,000 without a collateral pledge (case-by-case).

  • Final decision is determined by our internal credit committee.
  • Borrowers with ITIN numbers are acceptable.
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For loans above $30k see our Business Builder Loan Program.

All loans are underwritten using a stress test rate of 10.99% to determine qualification. Upon review we will determine the best funding source for your situation.

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GNEC Funding Sources:

Click the tools to the right to see which fund best fits your business.

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Phoenix Fund

This fund provides a 3.5%, 5-year term loan to support returning citizens.

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GNEC Opportunity Zone Fund

Opportunity Zone Fund

This fund provides 5.99% FIXED-RATE for businesses located in NJ Opportunity Zones

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Entrepreneurs of Color Fund

Minority Entrepreneurs Fund

This fund provides 5.99% FIXED-RATE for Minority Entrepreneurs.

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Women Entrepreneur Fund

Women Entrepreneur Fund

This funding source provides 5.99% FIXED-RATE for e for businesses owned 51% or more by women.

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GNEC Green Fund

GNEC Green Fund

This funding source is provided for business who are making “green energy” improvements.

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GNEC Pride Fund

This funding source is provided for members of the LBGTQ+ community. 

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GNEC Trade Fund

This funding source is provided for business owners in the various trade fields.

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