Establishes Small Business Resiliency Project Loan Program in EDA for certain small businesses implementing certain resiliency projects.

This bill creates a new loan program through the New Jersey Economic Development Authority to help small businesses with fewer than 50 employees fund projects that make them more resilient to climate-related hazards like flooding and extreme heat. Eligible businesses can apply for low-interest loans with flexible repayment terms to improve infrastructure such as water systems, electrical grids, and broadband, or to upgrade facilities against environmental risks. To qualify, a business must be registered in New Jersey, plan to stay in the state, and submit an application detailing how the loan funds will be used. The program prioritizes businesses located in municipalities that have already assessed climate risks in their land-use plans, and recipients must provide annual financial reports until the loan is fully repaid.