Free money you're leaving on the table.

🔬

NSF SBIR/STTR Grants

Up to $2M for technology innovation research. For tech startups with R&D activities.

FEDERALGRANT

Apply at NSF.gov →

🚀

NJ Innovation Evergreen Fund

$500M state fund investing in NJ innovation economy. For tech and innovation companies.

NJ STATEGRANT/INVEST

☀️

NJ Solar SRECs

Earn $200-$400 per SREC for every megawatt-hour of solar energy produced. Ongoing income for solar installers.

NJ STATEINCOME

Check your municipality →

🏥

HRSA Health Center Grants

Federal funding for community health centers and qualifying healthcare practices.

FEDERALGRANT

Apply at HRSA.gov →

🏪

Façade Improvement Grants

$5K-$25K municipal grants for storefront and exterior improvements. Available in most NJ downtowns.

LOCALGRANT

🌍

MBDA Business Center Grants

Technical assistance and capital access for minority-owned firms through the Minority Business Development Agency.

FEDERALGRANT

Find your MBDA center →

🌊

FEMA Hazard Mitigation Grants

Post-disaster construction and mitigation project funding. For contractors doing resilience work.

FEDERALGRANT

🏆 Business Certifications

🌍

MBE – Minority Business Enterprise

NMSDC certification. Opens doors to Fortune 500 supplier diversity programs and government contracts.

CERTIFICATION

Apply at NMSDC.org →

👩‍💼

WBE – Women Business Enterprise

WBENC certification. Access to corporate and government contracts set aside for women-owned businesses.

CERTIFICATION

Apply at WBENC.org →

📋

SBA 8(a) Program

9-year business development program. Sole-source federal contracts up to $4M ($7M for manufacturing).

CERTIFICATIONFEDERAL

Apply at SBA.gov →

📍

HUBZone Certification

10% price preference on federal bids for businesses in Historically Underutilized Business Zones.

CERTIFICATIONFEDERAL

🎖️

VOSB / SDVOSB

Veteran-Owned / Service-Disabled Veteran-Owned Small Business. 3% federal contracting goal.

CERTIFICATIONFEDERAL

🏛

NJ Small Business Enterprise (SBE)

NJ state certification for public procurement preference. Required for many NJ government contracts.

CERTIFICATIONNJ STATE

🔨

NJ Public Works Contractor Registration

REQUIRED for all public works construction in NJ. Annual renewal. Ensures prevailing wage compliance.

LICENSENJ STATE

⚡

NJ Trade Ally Certification

REQUIRED to participate in NJ Clean Energy rebate programs. Connects you with utility company referrals.

CERTIFICATIONNJ STATE

🎯 Tax Credits, Rebates & Incentives

🔬

Federal R&D Tax Credit

Up to $250K/year for qualifying research and development activities. Critical for tech and innovation companies.

FEDERALTAX CREDIT

📍

Opportunity Zone Tax Benefits

Capital gains deferral and potential elimination for investments in designated Opportunity Zone areas.

FEDERALTAX BENEFIT

Find OZ areas →

🏢

Section 179D Deduction

Up to $5/sqft deduction for energy-efficient commercial buildings. For builders and building owners.

FEDERALTAX DEDUCTION

🏛

Historic Preservation Tax Credits

20% federal + 25% NJ state credits for qualifying historic building rehabilitations.

FEDERALNJ STATETAX CREDIT

🏙️

NJ Urban Enterprise Zone

3.5% sales tax (vs 6.625% standard) in UEZ areas. Business incentives and reduced taxes in 32 NJ zones.

NJ STATETAX BENEFIT

Check UEZ zones →

☀️

Investment Tax Credit (ITC) — 30%

30% federal tax credit for solar, battery storage, and EV charging installations. From Inflation Reduction Act.

FEDERALTAX CREDIT

👥

Work Opportunity Tax Credit (WOTC)

Up to $9,600/employee for hiring from target groups (veterans, ex-offenders, SNAP recipients, etc.).

FEDERALTAX CREDIT

💡

NJ Clean Energy Direct Install

Up to 70% covered for lighting, HVAC, and equipment upgrades for small/medium businesses.

NJ STATEREBATE

PSE&G Decarbonization Program →

📝

SAM.gov — Federal Contracting

Free registration required for all federal contracts. Opens access to billions in government spending.

FEDERALREGISTRATION

🏛

NJSTART — NJ State Procurement

State procurement portal. Register to bid on all NJ government contracts. Free registration.

NJ STATEREGISTRATION

List your business on EmporionPros

Get matched with real estate clients + unlock industry-specific grants and certifications.

🏠

Featured Program

NJ Building Decarbonization — Up to $16,000+ in Rebates

Stack federal IRA rebates (HEAR — up to $14,000) with NJ utility rebates (PSE&G, JCP&L, NJNG) and 25C tax credits ($3,200/yr). Heat pumps, water heaters, electrical panels, insulation, wiring. Income-qualifying households: 100% covered.

HEAR up to $14K Utility Rebates 25C Tax Credit $3,200/yr ALL STACKABLE

PSE&G → NJ BPU → NJNG SAVEGREEN →

🏠 Homeowner Grants & Rebates

🏠

NJ Building Decarbonization Rebate — Up to $16K NEW

PSE&G/JCP&L/NJ utilities: 50% of cost or $10K (income-qualifying: 60% or $12K) to replace fossil fuel heating with heat pumps. Plus $2K for reducing fossil fuel system + $2K for decommissioning. Remainder paid via on-bill repayment (OBR) on monthly utility bill. Up to $75K in 0% OBR financing. Stackable with federal 25C tax credits.

UTILITYUP TO $16K

☀️

Residential Solar Tax Credit — 30%

30% federal tax credit on solar panel installation costs. No maximum limit. Through 2032.

FEDERALTAX CREDIT

🏡

Energy Efficient Home Improvement Credit

Up to $3,200/year for insulation, windows, doors, HVAC, heat pumps. IRA Section 25C.

FEDERALTAX CREDIT

⚡

NJ Clean Energy Residential Rebates

Rebates for HVAC ($300-$2,000), heat pumps ($1,000-$4,000), water heaters, insulation for NJ homeowners.

NJ STATEREBATE

Find rebates →

🏡

NJ Whole-Home Decarbonization

50% or $10K covered (LMI: 60% or $12K). Plus $2K decommissioning bonus + $2K reduction bonus. Remainder payable via On-Bill Repayment (OBR) on your monthly utility bill.

NJ STATEREBATE + OBR

🔌

EV Charger Tax Credit

30% tax credit (up to $1,000) for home EV charging station installation. IRA extension.

FEDERALTAX CREDIT

🏛

NJ ANCHOR Property Tax Relief

Up to $1,500 for homeowners, $450 for renters. Annual benefit based on income and property taxes paid.

NJ STATETAX RELIEF

👴

NJ Senior Freeze Program

Reimburses eligible seniors (65+) and disabled for property tax increases. Income limits apply.

NJ STATETAX RELIEF

🌡️

Weatherization Assistance Program

Free home weatherization for low-income households. Insulation, air sealing, heating system repair.

FEDERALFREE SERVICE

🔨

FHA 203(k) Renovation Loan

Finance home purchase + renovation in one mortgage. 3.5% down. Great for fixer-uppers.

FEDERALLOAN

Find your county program →

🎨

NJ Lead-Safe Home Grants

Free or subsidized lead paint removal for qualifying NJ homeowners. County-administered programs.

NJ STATEGRANT

🌊

FEMA Flood Mitigation Grants

Grants for home elevation, flood-proofing, and property buyouts in flood-prone areas.

FEDERALGRANT

PSE&G Decarbonization Program →

⚡ PSE&G & Utility Rebates — Up to $16,000+ in Benefits

💰 Stack these together and save $16,000+ on home upgrades!

NJ homeowners can combine federal tax credits + utility decarbonization rebates on the same project. Example: Heat pump install = $2,000 federal 25C credit + $10K PSE&G decarbonization (50%) + $2K fossil fuel reduction + $2K decommissioning = $16K+ in savings. Remainder financed at 0% via on-bill repayment.

🔥

PSE&G Decarbonization — Up to $12K+ HOT

Replace fossil fuel heating with heat pumps: 50% of cost or $10K (income-qualifying: 60% or $12K). Plus $2K for reducing fossil fuel system + $2K for decommissioning. Remainder via on-bill repayment (OBR) on your monthly utility bill. Up to $25K in 0% OBR financing.

PSE&GUP TO $16K

🚿

PSE&G Heat Pump Water Heater — $750

$750 rebate for ENERGY STAR certified heat pump water heater. Uses 70% less energy than conventional. Submit rebate within 120 days of purchase.

PSE&G$750 REBATE

Apply for rebate →

🏡

PSE&G Whole House Program — Up to $6,000

Up to $6,000 in rebates for insulation, air sealing, HVAC, water heating, and smart home tech. Plus $25,000 in 0% financing. Requires energy audit.

PSE&GUP TO $6,000

Schedule energy audit →

🌡️

PSE&G Smart Thermostat — Up to $100

Up to $100 rebate for ENERGY STAR smart thermostat (Nest, Ecobee, etc.). Automates energy savings.

PSE&GREBATE

Claim rebate →

🧊

PSE&G Appliance Rebates

Rebates on ENERGY STAR appliances: washer ($100), electric dryer ($300), refrigerator ($100), dishwasher ($30), induction cooktop ($250).

PSE&GREBATE

All appliance rebates →

🔌

PSE&G Electrical Panel Upgrade Rebate

Rebates for panel upgrades, adding circuits, and wiring to support heat pumps, EV chargers, and electrification.

PSE&GREBATE

Details →

💳

PSE&G 0% On-Bill Financing — $25,000

Up to $25,000 at 0% interest, repaid through your monthly PSE&G bill. For HVAC, insulation, and whole-house upgrades. No credit check.

PSE&G0% FINANCING

Apply — Small Business Direct Install →

💡

JCP&L Residential Rebates

Jersey Central Power & Light: rebates on heat pumps, smart thermostats, water heaters, and ENERGY STAR appliances. Plus recycling incentives.

JCP&LREBATE

JCP&L rebates →

📊 Example: Stack $16K+ in Savings on a Home Upgrade

🔥 Heat Pump + Insulation + Water Heater Project

Cold Climate Heat Pump Install$12,000 Attic Insulation + Air Sealing$4,000 Heat Pump Water Heater$3,500 Total Project Cost$19,500

Your Savings Stack

🏛 Federal 25C Tax Credit (heat pump)−$2,000 🏛 Federal 25C Tax Credit (insulation)−$1,200 ⚡ NJ Clean Energy Rebate (heat pump)−$4,000 ⚡ PSE&G HVAC Instant Rebate−$900 ⚡ PSE&G Whole House Rebate−$2,000 ⚡ PSE&G Water Heater Rebate−$750 💳 PSE&G 0% On-Bill Financingfor remainder

Total Savings $10,850+

You pay ~$8,650 out of pocket (or $0 upfront with PSE&G 0% financing)

Need a contractor for your project?

Find PSE&G participating contractors and certified energy pros on the EmporionPros Marketplace.

Browse Vendor Marketplace →

🏢 Commercial Property Direct Install & Rebates

💡 Up to 80% of project costs covered — for lighting, HVAC, refrigeration, and more

NJ commercial properties under 300kW demand qualify for Direct Install. Turnkey process: free assessment → proposal → installation → rebate applied instantly. 0% on-bill financing for the rest.

💡

NJ Direct Install Program — Up to 80% Off

Turnkey upgrades for commercial properties under 300kW: LED lighting, HVAC, refrigeration, controls, water heating. Up to 70-80% of costs covered. 0% financing for the rest.

NJ STATEUP TO 80%

🔦

Commercial LED Lighting Upgrades

Replace fluorescent/HID with LEDs. Interior and exterior. Includes occupancy sensors, daylight controls, dimming. 70-80% covered via Direct Install.

NJ STATEREBATE

Get free assessment →

❄️

Commercial HVAC Replacement

Rooftop units, split systems, boilers, furnaces, chillers, heat pumps, VFDs, programmable thermostats. 70-80% covered via Direct Install.

NJ STATEREBATE

Schedule assessment →

🧊

Commercial Refrigeration Upgrades

Walk-in coolers/freezers, display cases, anti-sweat heater controls. Critical for restaurants, grocery, convenience stores. Up to 80% covered.

NJ STATEREBATE

💳

Commercial 0% On-Bill Financing

Up to $250,000 at 0% interest, repaid on your utility bill over 5 years. For JCP&L, PSE&G, and other NJ utilities. No credit check required.

NJ UTILITIES0% FINANCING

PSE&G Business Programs →

🏗️

PSE&G Prescriptive & Custom Incentives

For larger commercial/industrial buildings. Incentives for high-efficiency electric and gas equipment: lighting, HVAC, food service, motors, and more.

PSE&GINCENTIVE

🔧

Building Tune-Up Program

For medium-sized commercial buildings over 300kW. Same turnkey approach as Direct Install — lighting, HVAC, controls. Up to 70-80% covered.

NJ STATEREBATE

🏢

Multifamily Common Area Upgrades

Apartment buildings (3+ units) qualify for Direct Install: common area lighting, hallway LEDs, lobby HVAC, parking garage lights. Up to 80% covered.

NJ STATEREBATE

🏙️

UEZ / Overburdened Community Bonus — 80%

Buildings in Urban Enterprise Zones, Opportunity Zones, or Overburdened Communities get the highest tier: up to 80% covered (vs 70% standard).

NJ STATEBONUS TIER

📊

Section 179D — $5/sqft Tax Deduction

Up to $5/sqft federal deduction for energy-efficient commercial buildings. IRA enhanced. Applies to HVAC, lighting, and envelope upgrades.

FEDERALTAX DEDUCTION

☀️

Commercial Solar ITC — 30%

30% federal tax credit for commercial solar installations. Can be combined with accelerated depreciation for 50%+ effective savings.

FEDERALTAX CREDIT

🔌

Commercial EV Charging Grants

Federal + NJ grants for workplace/commercial EV charging. NEVI program ($7.5B nationwide) + NJ It Pay$ to Plug In incentives.

FEDERALNJ STATEGRANT

NJ EV programs →

Find a Direct Install contractor

Connect with certified NJ Clean Energy contractors on EmporionPros.

Browse Vendor Marketplace →

🔑 Buyer & Renter Programs

🏠

FHA First-Time Homebuyer Loans

3.5% down payment. Lower credit score requirements. Most popular first-time buyer program.

FEDERALLOAN

💵

NJ HMFA Down Payment Assistance

Up to $15,000 in down payment and closing cost assistance for NJ first-time buyers. Income limits apply.

NJ STATEGRANT/LOAN

🎖️

VA Home Loan — Zero Down

No down payment, no PMI for eligible veterans and active military. Best mortgage deal available.

FEDERALLOAN

🌾

USDA Rural Development Loan

Zero down payment for homes in eligible rural areas. Some NJ areas qualify. Income limits apply.

FEDERALLOAN

Check area eligibility →

🏛

NJ ANCHOR Renter Relief

Up to $450 annual benefit for NJ renters. Based on income. Applied to property tax relief.

NJ STATETAX RELIEF

Apply through local PHA →

🏘️

Section 8 Housing Choice Voucher

Federal rental assistance program covering a portion of rent for qualifying low-income families.

FEDERALVOUCHER

💰

Mortgage Credit Certificate (MCC)

Tax credit of 20-25% of annual mortgage interest for first-time buyers. Saves thousands over loan life.

FEDERALTAX CREDIT

Apply through NJHMFA →

🌡️

LIHEAP Utility Bill Assistance

Federal assistance for heating/cooling costs for low-income households. NJ administers through DCA.

FEDERALASSISTANCE

Negotiate with municipality →

Looking for your next home?

Browse listings and connect with agents on EmporionPros.

Explore Platform →

🏗️ Developer & Investor Incentives

📍

Opportunity Zone Tax Benefits

Defer and potentially eliminate capital gains taxes. 10-year hold = zero tax on OZ investment appreciation.

FEDERALTAX BENEFIT

Find NJ OZ tracts →

🏢

LIHTC — Low-Income Housing Tax Credits

4% or 9% tax credits for affordable housing development. Most common affordable housing financing tool.

FEDERALTAX CREDIT

NJ HMFA application →

🏛

Historic Preservation Tax Credits

20% federal + 25% NJ state = up to 45% tax credit for qualifying historic building rehabilitations.

FEDERALNJ STATETAX CREDIT

NPS application →

🏗️

NJ Aspire Tax Incentive Program

NJ's main economic development incentive. Tax credits for qualifying real estate development projects.

NJ STATETAX CREDIT

Apply at NJEDA →

💰

PILOT / Tax Abatement Programs

Payment In Lieu Of Taxes. Negotiate reduced property taxes for 10-30 years on new development.

LOCALTAX ABATEMENT

⚡

Section 179D — Energy Deduction

Up to $5/sqft deduction for energy-efficient commercial/multifamily buildings. IRA enhanced rates.

FEDERALTAX DEDUCTION

Details →

🏦

NJHMFA Housing Construction Fund

Low-cost financing for affordable and workforce housing construction in NJ.

NJ STATEFINANCING

🔄

1031 Like-Kind Exchange

Defer capital gains taxes indefinitely by exchanging investment property for like-kind property.

FEDERALTAX DEFERRAL

IRS guidelines →

📊

Cost Segregation / Bonus Depreciation

Accelerate depreciation deductions in year 1. Can offset 30-50% of building cost in tax savings.

FEDERALTAX STRATEGY

Consult a CPA →

🏙️

New Markets Tax Credit (NMTC)

39% tax credit over 7 years for investments in low-income communities. For commercial real estate.

FEDERALTAX CREDIT