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NFL star Josh Norman says he expects to split $500k worth of donations ... and give it to hundreds of small businesses in Buffalo who have been devastated by COVID-19.

TMZ Sports talked to the 33-year-old star CB about the fundraiser he created to assist small businesses that have been decimated by the shutdowns associated with the pandemic.

Josh has donated $25k of his own money -- and countless hours of his time organizing the fundraising -- and says he's already received hundreds of applications.

"With Buffalo Business Blitz, what we're doing with that was pretty much helping out small businesses that closed down during the holiday season, during the pandemic time," Norman tells us.

So, in about 3 weeks, how many businesses have asked Josh for help?

"About 650 applications. It's crazy, but the thing is, a lot of people need help. A lot of people are struggling right now and it's pretty sad."

Of course, small businesses across the country have been badly affected by COVID-19 lockdowns ... and many are on the verge of going out of business.

Every dollar matters and Norman says BBB already has a healthy chunk of change in the coffers ... but believes there's a lot more on the way -- courtesy of some larger corporate donors across the country.

"Right now, we're probably at like $80 grand but that's just accounted into the box. There's other things that are coming on -- couple hundred thousand dollars, so we'll probably be at half a mil, probably a little more than that. Depends on if the donors come through."

Come January 1st, Josh will comb through the applications and select hundreds of businesses -- as many as the donations will allow -- and mail out checks.

Norman is still raising money for another week ... and says if any fans would like to help, he's accepting donations on his website

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