Grants And Small Business-Government Grants to Start a Small Business

Grants And Small Business-Government Grants to Start a Small Business

The federal government as well as the state and local governments extend a lot of help through special financing programs to start or expand small businesses. These programs offer capitals at low interest rates. To acquire the best small business grants you need to consider the following factors.

Objective of Your Business

The first step is to decide whether you intend to start a non-profit venture for a community service or a technology-related business. This will help you to apply for the type of grant you require for the business startup. Read through various websites that provide an information on innumerable government grants or loans available to start small businesses. Ensure that you have gathered an information about the sites that provide updated data on grants available from the government on an everyday basis or a weekly basis.

Kind of Grants Released

Initially, one has to gather an information on the kind of grants available pertaining to a business. You may not be able to procure the grant or loan provided by the government, if you are not well-informed about it. You can also approach the special programs directly that provide financial assistance, specific to a particular venture. Some of the grants that are offered by the government are rural economic development loans and grants. The intended goal for such a program is the creation of employment and business opportunity. Other grants include loans for women business entrepreneurs. For instance, if a woman plans to start a day care center or a home-based business, the chances of getting a grant or a loan to start such small businesses, are the highest. You should not write a grant proposal for a non-profit venture to the government agency which aims at technology-related business. If you do so, your proposal will be rejected. This draws the importance of being well-informed about the kind of grants released by different government agencies.

A Course on Grant Writing

A course on grant writing will help you to write a very noticeable proposal. You would want a response on every proposal that you write. To ensure that your proposal is accepted, it has to be effective and stand out from other proposals. Your writing has to be personalized, since different government agencies have different criteria for acceptance of a grant proposal. For instance, if a government agency offers grants for technology-related business, you will have to write your proposal with facts and demographics to establish the need of such a business in the economy. This can be aided by a course on grant writing. The grant proposal is the first impression of the individual applying for the grant. As it is rightly said, "First impression is the last impression". Hence a course on grant writing will help you cater to this need.

Continue to Apply for New Grants

You can apply for new grants on a weekly basis. Make sure that you apply as soon as the new grants become available. You can choose the grants that would best suit the business you plan to start. If your grant is being rejected very often, you will have to work on framing your proposal.

Flexibility Should be Your Key to Success

One of the major keys to the success of achieving a grant is to be flexible. If you find out that achieving a grant from the government is not working well, you could try other primary options available to apply for the grant from the government. Loans are also available with a fewer restrictions on how to use the money.

Availing small business grants can be difficult, as these funds may be released only during a certain time period in a year. The government aims at fulfilling certain objectives, which keep changing over time depending upon the type of business grant. For example, let us consider a situation when the government aims at offering grants and loans for the rural development. Later, the government may aim at offering grants or loans to small businesses for the scientific development. In these cases, it becomes difficult to keep oneself updated, due to the ever-changing nature of the grants offered by the government. The funds can also be used for the creation of jobs or for agriculture, farming or fisheries assistance, etc. Moreover, you will not be allowed to use the grants for just any purpose that you wish.

The government aims at increasing the overseas exports and offers grants or loans for research and development. Hence, you will have to be well-informed about the government's objective in providing a grant or loan to start a small business.

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Source:http://www.buzzle.com/articles/government-grants-to-start-a-small-business.html

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How Do You Apply For Small Business Grant

How Do You Apply For Small Business Grant 

To the general public, learning how to apply for small business grant is a painful process. Just a few weeks is enough to make most people grumpy. The government also does not state upfront the number of grants that it gives out.

Actually, one needs to have a number of qualifications for applying for a small business grant. However, its also possible for a grant to be approved by any American citizen.

Not only are small business given grants. Individuals can get them as well. Here are some tips to get grants for your small business.

Address a problem that is half-way to the solution. Figure out how you can resolve this issue. Do some groundwork and find a grant that can help solve this problem, and think of a way to rationalize it.

Look to the SBA/SBDC for info. Grant applications of a lot of people were turned down just because they were unacquainted with their specific funding needs. To prevent that from happening when you apply for small business grant, ensure that you can explain how the grant will assist you in your business.

You have to meet all criteria for the grant. Only by applying for a business grant, rather than a personal one, can you get the advantages of having a company.

So you would also need a company registered as well. This registration ensures that you're applying for the grant to support your company - not you as an individual.

Applying on the internet often gets better results when applying for a small business. A large portion of government grants can be found online. Thankfully, the application procedure is short and concise.

Additionally, applying fo grants online is so much quicker. All formalities are arranged and broken down into a step-by-step process. And government grant sites also have FAQ sections. All online grant requests are assigned a particular Funding Opportunity Number.

This is an important number. Before you can get an application, you need this number to be provided. The registration process of the Central Contractor Registry needs this info. Likewise for other type of grants.

You will now need a proposal written out. A proper business plan is also required here. You can get some help from the nearest branch of SBA or SBDA. They will make your task of applying for small business grant a breeze.

The U.S. government gives out billions in grants to over 18 million people annually. To date, I received over $14,000 to start-up my new business.

Visit to: http://applybusinessgrantsandloans.blogspot.com/

Source: http://www.articlesbase.com/small-business-articles/how-do-you-apply-for-small-business-grant-in-just-3-steps-1158811.html

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Small Business Grants and Loans of Florida

Small Business Grants and Loans of Florida

The Federal Government has set aside funds for small business grants and loans. Even though the process for receiving a grant is a long complicated one, one has to fraught with competition and lots of bureaucratic hoops. Also a small business must fit in to definition to qualify. The government requires extensive business planning, reporting and compliance to specifically measure your growth before the loan is given.

To get a grant in Florida for the small business, one has to go through economic development programs of Florida state. Federal money is given to all states to develop small business in specific areas where they see a need. Another issue to consider is that the government grants take time. One must understand that these funds are awarded only annually. You have to write a grant proposal that follows specific guide lines. Any deviation can make your proposal turn down. These grants are not necessarily free money, and usually require the recipient to match funds or combine the grant with other forms of financing such as a loan.

U.S. Small Business Administration provides loans to small business entrepreneurs through the following programs.-America's Recovery Capital Loan Program, Basic 7(a) Loan Program, CAPLines, Certified Development Company Loan Program, Community Express, Microloan Program and Accion USA loan programs. The America's Recovery Capital Loan Program provides up to $35,000 in short-term relief for viable small businesses in Florida facing immediate financial hardship. Each small business is limited to one ARC loan. The Basic 7(a) Loan Program starts, acquires and expands a small business. These loans are the most basic and most used type loan of Small Business Administration SBA business loan programs. Borrowers can apply through a participating lender institution.

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The CAPLines is an umbrella program under which the SBA helps small businesses meet their short-term and cyclical working-capital needs and the Certified Development Company Loan Program is a long-term financing tool for economic development within a community. This program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings.

Community Express is a Small Business Administration pilot, loan program for small businesses in low and moderate income areas. The Microloan Program provides very small loans to start-up, newly established, or growing small business concerns. SBA makes funds available to nonprofit community based lenders which, in turn, make loans to eligible borrowers in amounts up to a maximum of $35,000. Applications are submitted to the local intermediary and all credit decisions are made on the local level. Accion USA gives Small Business Loans that are flexible up to $50,000 to small business owners who have limited or no access to traditional business credit.

Financing for Small Businesses and Non-Profits Loans for small companies and nonprofits whose financing needs are not met by traditional lenders are done by Self Help. If you cannot find a grant available from the state financial resources, there are plenty of low-interest loan programs backed by the U.S. Small Business Administration. These grants are not necessarily free money and usually require the recipient to match funds or combine the grant with other forms of financing such as a loan.

Visit to: http://applybusinessgrantsandloans.blogspot.com/

Source: http://www.articlesbase.com/finance-articles/small-business-grants-and-loans-of-florida-3092133.html

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Small Business Grants For Women Owned Businesses

Small Business Grants For Women Owned Businesses

Women and minority Americans have an opportunity to obtain thousands of dollars in small business grants, which is free money that never has to be repaid. The media spent a lot of time discussing the mortgage and bailout grants that have been made available to the American people. What they haven't discussed is the billions of dollars that are also available to small business owners, including women and minority entrepreneurs.

The government provides free grant money for personal use for one reason. To stimulate the economy and keep American running properly. One way to do that is to help people facing foreclosure, debt and other financial hardships. But the other way is to help those who can change the current environment and push America forward. The small business owners have the ability to do this, and the government is very interested in these groups.

Unfortunately, with the credit markets tightening and banks being unable to lend, small business owners are not able to start new businesses or grow their existing ones. That's why the government provides small business grants to people who would otherwise be able to build successful businesses, but are strapped for cash.

There is billions of dollars available, and as long as you are at least 18 years old, you can apply for these funds. All you need is access to the free grant applications and an idea for a business. There are grants for as much as $50,000 to help people fund home based businesses, buy real estate, pay employees, and even buy new office computers and furniture. The money is there but you have to ask for it.

Visit to: http://applybusinessgrantsandloans.blogspot.com/

 Source:   http://EzineArticles.com/2014974

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How to get SBA small business loan

How to get SBA small business loan 

SBA (Small Business Administration) is an important source of small business loans for US based entrepreneurs. It provides short and long term loans to those who are unable to get financing through normal lending channels. Pay attention to these guidelines and become aware of how to get a small business loan.

SBA has no funds for direct loans or grants rather the agency provides a guarantee to loans that are availed through the lending institutions that are the SBA’s partners. The small business loans are mostly for purchases, assisting businesses affected by specific economic conditions or for those dealing in international trade. In order to be successful in getting small business loans your business plan should be strong enough to generate cash for the repayment of loan at least to cover the monthly payments. So the business plan you submit to SBA must have clear views regarding the business, deep market study, financing details and how it will earn money.

In order to get free business education and counseling to boost your business get an appointment with the Small Business Development Centre. They would also advise you on building relations with the lenders who can help you in getting SBA small business loans. You can’t get loan from SBA unless you are turned back at least once by the traditional lender and get rejected twice will increase your chances for eligibility. Review your credit history as you are not going to get the loan if you have financial problems. So if you have a bad credit report or contains error it is better to clear it up and maintain a good rating before applying for the loan. You must also provide collateral that gives a guarantee about your repaying the loan on time.

Having some investment on your part in the business shows your seriousness towards the business as you would not like get loss and struggle for the progress of the venture. You should have a stake in your business as SBA would require you to invest from 25 to 50 of the loan amount you are requesting. However having a running business that is working for at least two years would be help as SBA wants to see some financial soundness to let you have the fund.
Finalize your paperwork, review it well and submit all the documents in order to get the small business loan.

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Source: http://www.newsroster.net/2012/05/23/how-to-get-sba-small-business-loan/


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How to Successfully Apply for Business Grant

How to Successfully Apply for Business Grant

If you are looking to open a business of your very own, you are not alone. Every year more and more people make the decision to stop working to make other people rich and to start their own businesses. For most of them, having the start-up capital that is needed is harder than one might think.

Small business grants are often a hot topic with new business people with a small amount of money and little access to other capital. We have all seen the many media claims about "Free Government Grant for Small Business." It seems all too easy to get these days.

Of course, if it were really that easy, all you would have to do is find a government small business grant to apply for, apply and before you knew it you would have the money to grow your business.

Most U.S. government departments, like the Department of Commerce, do not provide any grants for help in starting a small business. Grant programs are available through state programs and other groups as well. The grant programs are often awarded to people in fields such as medicine or education, and they all have specific eligibility criteria.

The process of finding a small business grant program to apply for and reviewing the requirements to getting is very time consuming. After conducting a two-week search for a medical publisher, I found the requirements to be very specific and difficult to meet.

Eligibility can be based on your location, and your business' sales revenue to the application date, years in business, sex, race, and even for the purpose of funding. If your business sets out on a small business grant seeking mission there are some questions that you will have to answer which are:

1. Do you have the time and the resources available so that you can search for a small business grant program and apply for it?

2. Can you afford to hire a consultant if you are unsure of how to do it, or can you learn the grant application process by yourself?

3. Does your business need the money right now for expansion or can you wait up to a year?

4. If you do decide to ask for a grant, will it hurt your business because it will be taking away time from selling and marketing?

If you want to take a look at the small business grants available, the best place to start is the Catalog of Federal Domestic Assistance (CFDA). The CFDA lists thousands of grants from all government agencies for free. Many business grants will be geared towards minority business development or rural business opportunity grants. Do not overlook the other assistance programs available such as equipment and training.

If you do find a small business grant program that is available for your business, you will need to be ready to go through a lengthy, approval process. With today's funding cutbacks and the high amount of competition you will want to be prepared for it by following these quick tips:

Small Business Grant Tips

- Provide the grant company with all of your complete and accurate information in the application. An incomplete application will likely not make the review process or it can add delay your grant form getting approved.

- Get to know your grant officer and their constraints, budget and concerns with approving your grant.

- Stand out among the crowd with a well-prepared business plan if required. You will have to demonstrate your understanding of the business. Show how the money will bring the benefit the government agency wants.

- Bring in outside experts or consultants to help you if you need it. An accountant or consultant can add credibility to your application process.

- Keep in touch with the company offering the grant. Make regular contact with the grant office in a professional, but non-intrusive manner.

- The task of locating and applying for a small business grant is not for the people who are not willing to go through hell. Take an honest look at alternative sources first, such as loans, personal credit lines, friends and family.

If you find that you are willing to go through the steps that will be needed in order for you to get your grant, then this will be your comprehensive guide to making it happen. After this book you will be fully equipped to not just applying for, but getting the grant that you need.

Visit to: http://applybusinessgrantsandloans.blogspot.com/

Source: http://voices.yahoo.com/how-successfully-apply-business-grant-247569.html

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Loan Application for Your Small Business or $5,000 College fees?

Loan Application for Your Small Business or $5,000 College fees?

A grant is a financial assistance that is provided to people to help support a particular cause. Grants can be both need based as well as merit based. In the US, there are 26 Federal agencies that offer over 1,000 grant programs annually in various categories, viz. Agriculture, Business and Commerce, Community Development, Disaster Prevention and Relief, Education, Employment, Labor and Training, Arts, Energy, Environmental Quality, Food and Nutrition, Health, Housing, Humanities, Information and Statistics, Law, Justice and Legal Services, Natural Resources, Recovery Act, Regional Development, Science and Technology, Social Services and Income, Security and Transportation. In addition to Federal grants, there are numerous private entities that provide grants as well.

Availability of Federal Grants

It would behoove the readers to note that although there are numerous federal grants, very few of these are available to individuals. Moreover, grants are not provided for personal financial assistance. Typically, federal grants are made available to the following entities: Government Organizations, Educational Associations and Organizations, Public Housing Organizations, Non-Profit Organizations and Small Businesses.

Generally, federal grants are available to non-profit organizations and are for non-commercial purposes. Some federal grants are provided for the purpose of aiding community development and for conducting research in the field of health and medicine, science & technology and environment, and for promoting arts, humanities, and education. Small Business Innovative Research Grants were instituted in accordance with the Small Business Innovation Development Act of 1982. These small business grants are awarded for research and development in the following areas: environment, defense, health care, and information management.

Student grants are the most readily available federal grants. Grants for college students are both merit based as well as need based. Students have the option of applying for the following grants: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG) , Academic Competitiveness Grant (ACG) and the National Science and Mathematics Access to Retain Talent Grant. Of these, Federal Pell Grant and Federal Supplemental Educational Opportunity Grant are need based while the Academic Competitiveness Grant (ACG) and the National Science and Mathematics Access to Retain Talent Grant are merit based.

Free Grant Money Applications

Applying for college grants is easy since students have to fill out free grant money applications, better known as FAFSA (Free Application for Federal Student Aid). This application is available at the high school guidance office, or people may choose to complete the application online by visiting the FAFSA or Student Aid website.

As far as other federal grants are concerned, individuals and aforementioned entities may visit the grants.gov website to complete the application. This website was established as a part of the President's 2002 Fiscal Year Management Agenda to improve government services to the public. People have access to approximately $500 billion in annual awards, and by registering just once they can apply for grants provided by the 26 federal grant disbursing agencies. The registration process takes 3-5 days and people have the facility of checking the status of their applications online.

In addition to applying for government grants, people have the option of applying for private grants, the procedure for which varies depending upon the disburser. Grantees must take adequate care and present a convincing case while drafting or filling out free grant money applications. Individuals and institutions can try approaching non-profit entities for further details.

Visit to: http://applybusinessgrantsandloans.blogspot.com/

Source:http://grantmoneyinformation.blogspot.in/2012/05/applying-for-free-grant-money.html

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