Establishes loan program in EDA to assist businesses owned by individuals with disabilities; appropriates $5 million.

S 428 creates a New Jersey Economic Development Authority (EDA) loan program providing low-interest loans (max 3%) to businesses owned or operated by individuals with disabilities. To qualify, businesses must be located in New Jersey, employ at least five full-time staff (with 50% being NJ residents), and demonstrate business viability. The program is funded by a $5 million General Fund appropriation into a revolving loan fund, which replenishes with repayments. Businesses must submit annual reports tracking loan use and business performance until full repayment.