Friday, October 2, 2026 · Serving all of Hudson County since March 2011¿Su negocio necesita ayuda federal? El Centro de Desarrollo de Pequeños Negocios de NJ puede ayudar
Supporting Our Small Business Community The NJ Small Business Development Center (NJSBDC) at NJCU is here to help! As our community feels the effect of the COVID-19’s state of emergency,…
Supporting Our Small Business Community
The NJ Small Business Development Center (NJSBDC) at NJCU is here to help!
As our community feels the effect of the COVID-19’s state of emergency, we would like to remind the Hudson County community that our center is working hard to bring support to our small business owners which in-turn supports countless employees.
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As of March 19, 2020, The U.S. Small Business Administration (SBA) has approved all New Jersey counties for federal disaster assistance, making New Jersey businesses eligible to apply for Economic Injury Disaster Loans (EIDLs).
For assistance in the application process,register here: sbdchudsoncounty.com/requestcounseling
If you are already registered with us and would like support in the application process, email: s bdc@njcu.edu
ELIGIBILITY
To be eligible for EIDL assistance, New Jersey-based small businesses or private non-profit organizations must have sustained economic injury, as well as being located in a disaster-declared county or contiguous county, which all New Jersey counties currently are.
Credit Requirements
- ● Historial de crédito: los solicitantes deben tener un historial de crédito aceptable para la SBA.
- ● Rembolso: los solicitantes deben demostrar su capacidad para pagar el préstamo.
- ● Se requiere garantía- garantía para todos los préstamos de EIDL superiores a $25,000.
La SBA toma bienes inmuebles como garantía cuando están disponibles. La SBA no rechazará un préstamo por falta de garantía, pero exigirá al prestatario que se comprometa con la garantía disponible.
Interest Rates
The interest rate is determined by formulas set by law and is fixed for the life of the loan. The maximum interest rate for this program is 3.750 percent.
Loan Terms
The law authorizes loan terms up to a maximum of 30 years. The SBA will determine an appropriate installment payment based on the financial condition of each borrower, which in turn will determine the loan term.
Loan Amount
The law limits EIDLs to $2,000,000 for alleviating economic injury caused by the disaster. The actual amount of each loan is limited to the economic injury determined by the SBA, less business interruption insurance and other recoveries up to the administrative lending limit. The SBA also considers potential contributions that are available from the business and/or its owner(s) or affiliates.
WHAT YOU NEED FOR THE APPLICATION
The SBA requires businesses to first fill out the following forms:
- ● Solicitud de préstamo para empresas en caso de desastre (utilice esta para la práctica o para enviar por correo en su solicitud)
- ● Transcripción de la declaración de impuestos (formulario: 4506-T)
- ● Lista de las responsabilidades
- ● Requisitos adicionales para presentar documentos de la SBA (formulario: 1368)
- ● Proceso de solicitud del formulario 413 de la SBA
Los solicitantes pueden solicitar una solicitud en línea (aquí) y recibir información adicional sobre la asistencia en caso de desastres (aquí). ¿Qué es esto?
Los solicitantes también pueden llamar al Centro de Atención al Cliente de la SBA al (800) 659-2955 o enviar un correo electrónico a disastercustomerservice@sba.gov para obtener más información sobre la asistencia a los desastres de la SBI. Las personas sordas o con problemas auditivos pueden llamar al (800) 877-8339.