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<DIV style="FONT-SIZE: 12pt; FONT-FAMILY: 'Calibri'; COLOR: #000000">
<DIV> Greetings to all!</DIV>
<DIV>If found worthy, please share with others.</DIV>
<DIV>Warmly,</DIV>
<DIV>Joe </DIV>
<DIV> </DIV>
<DIV>---</DIV>
<DIV> </DIV>
<DIV>
<DIV
style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri";
FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY:
inline'><B>From:</B>
<A title=michelle@northjerseychamber.org
href="mailto:michelle@northjerseychamber.org">North Jersey Chamber of
Commerce</A> </DIV>
<DIV style="FONT: 10pt tahoma">
<DIV style="BACKGROUND: #f5f5f5">
<DIV><B>Sent:</B> Thursday, April 09, 2020 12:01 PM</DIV>
<DIV><B>To:</B> <A title=nfbnj1@verizon.net
href="mailto:nfbnj1@verizon.net">nfbnj1@verizon.net</A> </DIV>
<DIV><B>Subject:</B> NJEDA 👀Announces👀 Launch of the Application for Small
Business Emergency Assistance Loan this Monday, April 13 at 9:00
am.</DIV></DIV></DIV>
<DIV> </DIV></DIV>
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0"><SPAN
data-entity-ref="preheader">Pertinent Information & Guidance
Concerning the Application Assistance Found Here!</SPAN> </DIV><IMG
alt=""
src="http://r20.rs6.net/on.jsp?ca=a336571c-b26f-4470-851a-99d986d2312e&a=1109985535182&c=a6051960-d606-11e8-bc95-d4ae527548e1&ch=a60874c0-d606-11e8-bc95-d4ae527548e1">
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COLOR: #001b29; PADDING-BOTTOM: 10px; TEXT-ALIGN: center; PADDING-TOP: 10px;
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<DIV></DIV>
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<DIV>
<DIV style="TEXT-ALIGN: center"
align=center><SPAN
style="FONT-FAMILY: constantia, garamond,
times new roman, times, serif; FONT-WEIGHT: bold; COLOR: rgb(0,0,0)">NJEDA
Announces Application Launch</SPAN></DIV>
<DIV style="TEXT-ALIGN: center"
align=center><SPAN
style="FONT-FAMILY: constantia, garamond,
times new roman, times, serif; FONT-WEIGHT: bold; COLOR: rgb(0,0,0)">for
Small Business Emergency Assistance Loan to
Go
Live on Monday, April 13 at 9
am</SPAN></DIV>
<DIV style="TEXT-ALIGN: center"
align=center> </DIV>
<DIV style="TEXT-ALIGN: justify"
align=justify><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">In
response to the economic challenges being
faced
by New Jersey small businesses due to the
COVID-19 outbreak, the New Jersey Economic
Development Authority (NJEDA) has created
the
Small Business Emergency Assistance Loan
Program. The </SPAN><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">$10
million program will make direct low-cost
financing available</SPAN><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">
to allow New Jersey small businesses and
non-profits to cover operating expenses and
ensure continuity of operations during the
outbreak.</SPAN> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">You
may now </SPAN><A
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krx-xKp6lCQ3vNQI_Fe5T31tfrzHVsKqSyklIfiUBPxOjhrs6wyvRHDIi56P-nqEi6rDKdg3qglpV5sus3IUuy8kgPqb4naJ-0OckujV_suByUrqoM4QCZBE2xX4apWXN6JvMMIsJ-FWom4DEhtxFagFg=&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
target=_blank>access a copy of the loan
application</A><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">
to help you prepare your submission.
Completed
applications will be considered on a first
come,
first serve rolling basis. To see whether
you
might qualify for this program, use the
</SPAN><A
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krx-xKp6lCQ3vNL8LdhF9sHJWesdt-pj_H41iq4WTMyCH_-AGDNqWDfqAtVIwm_3K9Fd6mt6fMF6Fo1c1LMJE2k20kD9jn5xfUR1msdf_w3zBs&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
target=_blank>NJ COVID-19 Business Support
Eligibility Wizard</A><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">.</SPAN>
</DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: justify"
align=justify><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">The
Small Business Emergency Assistance Loan
program
is designed to provide </SPAN><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">a
direct loan of up to $100,000 to NJ-based
small
businesses and non-profits
organizations</SPAN><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">
that have been in existence for at least
one-year and has less than $5 million in
annual
revenue. These businesses much have been
negatively impacted by the COVID-19 outbreak
(including, but not limited to: reduction of
business hours, complete closure of
business, at
least a 20% decline in revenue, employees
unable
to work, required to close by government, or
disruption of supply chain).</SPAN> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV> </DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Your
organization is eligible for the Small
Business
Emergency Assistance Loan Program if
you…</SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Have
a physical commercial location in the State
of
NJ. Home-based businesses are not eligible
for
this program. A home-based business is a
business operated out of a residential
property
where commercial activity is not zoned to
take
place. </SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Have
been in existence for at least one
year</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Have
less than $5M annual
revenue</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Can
show a global debt service coverage ratio of
1.00 (as of December 31st,
2019)</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Are
able to demonstrate negative impact related
to
COVID-19 on or after March 9th,
2020</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Are
registered to do business in the State of
NJ</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Must
certify that the company is in good tax
standing
with the State</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">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</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)"></SPAN></DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Are
able to provide a CEO certification that the
firm will make its best-effort to not lay
off
employees or will re-hire employees as soon
as
possible</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Non-profit
organizations are eligible for this program;
eligible non-profits must have status of
501(c)(3), 501(c)(4),
501(c)(7)</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; COLOR: rgb(16,37,173)">Types
of businesses not eligible:</SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Related
to gambling or gaming
activities</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">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)</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Auction
or bankruptcy or fire or “lost-our-lease” or
“going-out-of-business” or similar
sale</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Traveling
merchant </SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Christmas
tree sales or other outdoor
storage</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Any
other activity constituting a
nuisance</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Illegal
under the laws of the State of New
Jersey</SPAN></LI></UL>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">This
program is structured specifically for
entities
facing economic challenges due to COVID-19
and
provides </SPAN><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">low-cost
and flexible terms, such as</SPAN><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">:
</SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">10-year
term and amortization</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">0%
interest rate (years 1-5), NJEDA’s
prevailing
interest rate floor (capped at 3.0% years
6-10)</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Deferred
repayments for 12 months</SPAN></LI></UL>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">There
are no fees associated with the Small
Business
Emergency Loan Program for the first five
years
of the loan, including application fees, and
then standard modification fees will
apply.</SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">In
order to apply for the loan, businesses will
need to provide the following…</SPAN><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)"> </SPAN>
</DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">Contact
information for someone who is authorized to
speak on behalf of your company.
</SPAN><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">For
example: an owner or an executive such as a
CEO
or Executive Director</SPAN> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV> </DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Basic
information about your company:</SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Registered
legal name and “Doing Business As” name. To
confirm your organization’s registered legal
name: </SPAN><A
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krxxSH5y0vhzm1_IPdqzgJaTkW6xIZUSu4aeGYu8YXTs8qWESreN_VbynrOQYKH6KYTW98UXBhd3eHCyRweG4XS8BNauhPc5lL1i-PIV2lfeXDNUGv7RMqZryWzXMl13XTEwW3Fudqug-_CDfsS1RANG-dBVvLj85VEQ==&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
target=_blank>https://www.njportal.com/DOR/BusinessNameSearch/Search/BusinessName</A>
</LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Federal
Employer Identification Number
(EIN)</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Date
your company was
established</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Number
of Full-time employees as of December 31,
2019,
Part-Time Employees as of December 31, 2019,
and
other workers (ie 1099 or contracted
employees)
as of December 31, 2019</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Prior
year’s annual revenue</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Brief
description about the organization (2-3
sentences about what you
do)</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Formation
documents</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">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: </SPAN><A
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krxxSH5y0vhzm1o32s1KLDyK0c0P2MlprSj_dH8Q9W-rJdPxyM--OjfLEdcQnz3oki67IJXLZ-FHIjkpeiloseZbawLh25hJH0Z8Q8wXp1xZ8m&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
target=_blank>https://www.naics.com/search/</A>
</LI></UL>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; COLOR: rgb(16,37,173)">Ownership
Information:</SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Identify
the owners of your organization and their
respective percentage of
ownership</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">For
those with 10% or more ownership interest,
be
prepared to provide: Filed Personal Federal
Tax
returns for the most recent 3 years;
</SPAN><A
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: normal; COLOR: rgb(86,88,103); FONT-STYLE: normal"
href="http://r20.rs6.net/tn.jsp?f=001IxYONhhPWl5WmbWU63COCQGUec1GUKRCAjTOazgfx9v4rmPpz4krx-xKp6lCQ3vNzSmtahFe1_DHiVbKn_7FuCV1itjfNqks6llFA6naNJLqnlFhZZcRcti5exxMDWJMIsBp6ClQqLSj747VT7DwKD0nZBW9HJjwUeZCxhn4cioFTnHAtnpZvI4ujJpRokW3-wE4MKX8VDI=&c=1A0eWuiW5-SXXIqckrM87xLE9ZRnBxp-lEgRsJ30ZVuqZ9kJ28rMeg==&ch=-nVOecCtxkflFM85-wOICZP1RqHS-uh9uhE8GS7nQNgQUSH1R1j7mg=="
target=_blank>Personal financial
statement</A>
</LI></UL>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Corporate
Financial Information:</SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Up
to 3 years of the most recent filings of
your
Corporate Federal Tax returns depending on
number of years in
existence</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Internally
prepared statements (Profit & Loss and
Balance Sheet), if 2019 has not been
filed</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Interim
statements (Profit & Loss and Balance
Sheet), if internally prepared statements
are
greater than 90 days old</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<UL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Information
relating to existing debts (type, creditor,
date
debt was incurred, maturity date, present
balance, interest rate, minimum payment,
extra
payment , status, collateral for
debt)</SPAN></LI></UL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Identify
Use of Loan Proceeds </SPAN><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; COLOR: rgb(16,37,173)">a.
Depending on the category(ies) requested
(payroll, rent/mortgage, taxes, utilities,
etc.), be prepared to provide:</SPAN> </DIV>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Amount</SPAN></LI></OL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Timeframe
that the request covers</SPAN></LI></OL>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)"></SPAN></DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Supporting
documentation for each category (e.g.- if
rent,
provide lease)</SPAN></LI></OL>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">If
loan request does not cover all expenses
listed,
be prepared to identify and document sources
to
cover the gap (e.g.- equity, bank financing,
etc.)</SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Identify
potential collateral for the loan.
</SPAN><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; COLOR: rgb(16,37,173)">List
any unencumbered real properties that are
owned:</SPAN> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">solely
by the applicant business;</SPAN></LI></OL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">by
any individual having a 10% or more
ownership
position in the applicant,
or</SPAN></LI></OL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">by
a related entity having the same ownership
structure of the applicant and that property
is
occupied by the applicant.</SPAN></LI></OL>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Provide
all leases associated with the listed
commercial/investment
properties.</SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">Be
able to answer the State’s basic debarment
question. </SPAN><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">To
see the full application and read the State
debarment questions, see above.</SPAN><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)"> </SPAN>
</DIV>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">Be
able to affirmatively answer and/or certify
that:</SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">You
are not a home-based business</SPAN>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">You
are not a prohibited business</SPAN>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">You
have been impacted by the COVID-19
outbreak</SPAN>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">You
will make a best effort not to lay off any
additional employees and re-hire any whom
you
have already laid off</SPAN>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Information
you are providing is correct</SPAN>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">You
will allow the NJEDA to check your entries
against other State sources of data</SPAN>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">You
will authorize NJEDA to obtain a credit
report
on all guarantors</SPAN>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">You
are current on all state obligations.</SPAN>
</LI></OL>
<DIV><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
none; COLOR: rgb(16,37,173); FONT-STYLE: normal"></SPAN></DIV>
<DIV> </DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
underline; FONT-WEIGHT: bold; COLOR: rgb(16,37,173)">If
a loan is offered, you’ll be asked to
provide
following:</SPAN><SPAN
style="FONT-SIZE: 20px; TEXT-DECORATION:
none; FONT-WEIGHT: bold; COLOR: rgb(86,88,103)">
</SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Evidence
of proper business insurance coverages
</SPAN></LI></OL>
<DIV style="TEXT-ALIGN: left"
align=left> </DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Copies
of a government issued photo identification
document for all individuals who may become
party to the loan </SPAN></LI></OL>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)"></SPAN></DIV>
<OL>
<LI
style="FONT-SIZE: 17px; COLOR:
rgb(86,88,103); TEXT-ALIGN: left"><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">ACH
details to enable transmission of proceeds
</SPAN></LI></OL>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)"></SPAN></DIV>
<DIV><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103); FONT-STYLE: normal"></SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Updated:
April 8, 2020</SPAN></DIV>
<DIV style="TEXT-ALIGN: left"
align=left><SPAN
style="FONT-SIZE: 17px; TEXT-DECORATION:
none; COLOR: rgb(86,88,103)">Source:
NJEDA</SPAN></DIV>
<DIV style="TEXT-ALIGN: justify"
align=justify> </DIV>
<DIV style="TEXT-ALIGN: center"
align=center> </DIV></DIV></DIV></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE>
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