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About Us

Cooperative Business Assistance Corporation (CBAC) is a non-profit, public-private partnership created in 1987. Established to encourage the growth and stability of the small business sector, CBAC facilitates opportunities for banks to make business loans in the City of Camden, New Jersey, Philadelphia, Pennsylvania, and the six counties located in Southern New Jersey. By strengthening small businesses Cooperative Business provides funding that: creates jobs; provides necessary services to local residents; and rehabilitates vacant properties which ultimately contribute to the stabilization of the community. Cooperative Business offers small business owners and entrepreneurs below market interest rate loans, technical assistance, and a professional referral network. We offer loans to businesses for as little as $1,000 to as much as $2,000,000 through various loan and guaranty programs. CBAC loans leverage private equity investment and loans from the private sector. These services are offered in cooperation with our seven commercial banks including Citizens Bank, Colonial Bank FSB, Newfield Bank, Sun National Bank, Susquehanna Bank, TD Bank, and The Bank. CBAC's lending programs have been recognized as a model for small business lending in a low-income urban environment by the Department of Housing and Urban Development (HUD), the Philadelphia Federal Reserve bank, U.S. Department of Commerce, and the Woodstock Institute.

In the past five years, CBAC has made 382 loans which have retained or created approximately 2,752 jobs. CBAC's borrowers have increased Camden's real estate tax base by over $20 million. Sixty-one percent of CBAC's loans have been to minority owned businesses.

CBAC is a certified Community Development Financial Institution, a Certified Development Entity, a U.S. Small Business Administration MicroLoan Intermediary, and a U.S. Small Business Administration Associate Development Company making SBA MicroLoans and 504 Loans in six counties in Southern New Jersey. If your business is located in Camden, Atlantic, Cumberland, Salem, Gloucester, or Cape May Counties CBAC has funds available with repayment plans up to twenty (20) years.

CBAC is now in Philadelphia County in Pennsylvania with funds available with six-year repayment plans.