"Child Care Loan Fund Act"; requires EDA to establish no cost loan program for certain child care provider capital expenses; appropriates $10 million.

The Child Care Loan Fund Act creates a $10 million no-cost loan program administered by New Jersey's Economic Development Authority (EDA) to help licensed child care centers and registered family day care homes cover capital expenses. It specifically funds renovations, expansions, or new construction of facilities - **not operating costs** - to increase available child care slots statewide. Providers must apply with project details, and the EDA prioritizes applicants participating in the state's Grow NJ Kids quality program. Loans must be repaid within five years, with hardship exceptions, and require collateral like business assets or personal guarantees.