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3. Intersect Fund offers disaster loans to businesses that don't qualify for SBA loans. The Intersect Fund , a New Jersey-based nonprofit microlender, is offering disaster-relief loans to New Jersey businesses that have been affected by Hurricane Sandy. The loans are targeted at businesses that don't qualify for SBA Disaster Loans.

Qualifying businesses must be located in New Jersey and have sustained physical damage during the storm or its aftermath. Businesses can use the funds for things like replenishing spoiled or damaged inventory, making repairs to equipment and leasehold improvements or to replace awnings or signage.

The fund will distribute a maximum of $15,000 at an interest rate of 5% for up to 36 months. There are no application fees or prepayment penalties. Most loan applications will be approved within three days. Applications are available online or by phone at (800) 840-1900.

Founded by students at Rutgers University, the Intersect Fund provide business training, coaching and microloans to minority and low-income business owners in Northern and Central New Jersey.

-- Written by Laurie Kulikowski in New York.

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