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.

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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.

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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.

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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.

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

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Small Business Grants and Innovation Research

Small Business Grants and Innovation Research

Small Business Innovation Research (SBIR)
Federal agencies with extramural research and development budgets over $100 million are required to administer SBIR programs using an annual set-aside of 2.5% for small companies to conduct innovative research or research and development (R/R&D) that has potential for commercialization and public benefit.

Currently, ten Federal agencies participate in the SBIR program:

- Departments of Health and Human Services (DHHS),
- Agriculture (USDA), Commerce (DOC),
- Defense (DOD),
- Education (DoED),
- Energy (DOE),
- Transportation (DOT);
- Environmental Protection Agency (EPA),
- National Aeronautics and Space Administration (NASA),
- National Science Foundation (NSF).

To date, over $10 billion has been awarded by the SBIR program to various small businesses.

Small Business Technology Transfer (STTR)
The STTR program was established by the Small Business Technology Transfer Act of 1992 (Public Law 102-564, Title II). The STTR program was established by the Small Business Technology Transfer Act of 1992 (Public Law 102-564, Title II), reauthorized until the year 2001 by the Small Business Reauthorization Act of 1997 (P.L. 105-135), and reauthorized again until September 30, 2009, by the Small Business Technology Transfer Program Reauthorization Act of 2001 (P.L. 107-50).

Federal agencies with extramural R&D budgets over $1 billion are required to administer STTR programs using an annual set-aside of 0.15%. The set-aside will increase to 0.3% in 2004.

Currently, 5 Federal agencies participate in the STTR program:

- Defense (DOD)
- Energy (DOE),
- Departments of Health and Human Services (DHHS),
- National Aeronautics and Space Administration (NASA),
- National Science Foundation (NSF).

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Source: http://www.sbasmallbusinessloans.com/sbirstu.htm


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Small Business Grants for Women

Small Business Grants for Women


The most important thing which is essential for starting a business is the business capital. Many budding businessmen are not able to start or run their ventures successfully due to the lack of money. However, this problem of capital can be overcome, if the budding women entrepreneurs get funds in the forms of grants from the government. Considering this huge need, the United States government has acted smartly and in favor of these entrepreneurs by sanctioning about $350 billion in the form of government grants every year. Small business grants for minority women will help them in achieving their set goals and targets in the business world and to do justice to their talent and abilities. Due to these grants, these women will learn financial management well and improve their profits and create employment in the country. Given below are some tips on how to find Federal small business grants for women.

How to Find a Federal Grant for Small Business?

You can find many small loans and grants for women on the Internet and some communities, which can help you in your business. Women can approach the local Small Business Association (SBA) office, which provides federal grants for women starting a small business. From this association, you will also get help in other aspects of your business. The Counselors to America's Small Business is an institution which help women to receive government grants. There are many business organizations such as the local Chamber of Commerce, which give their own business grants to deserving women entrepreneurs. Information can also be sought from advertisements about government grants for small business for women in the leading newspapers and magazines. Women who are interested in starting a home-based business of their own like catering, preparing items using artistic skills, etc. can get special grants from the government.

You can also consider the idea of approaching Women's Business Centers (WBCs) which has been established by The Office of Women's Business Ownership (OWBO). This association caters to the needs of women who have a strong desire of starting their own business, but are from the economically weaker section of the society. Good counseling and training is given to the women entrepreneurs without charging them any amount.

Grants for starting a small business can be obtained, if these women approach the non-profit making organizations which work for the well-being and fulfilling the needs of the needy in the society. The reason behind this is that these organizations receive grants from the Federal government and they may consider giving some grant money to women entrepreneurs. Due to some reasons, if the women entrepreneurs do not get grants from these non-profit organizations, they can surely help them getting some grants from private companies.

Applying for a Small Business Grant

Small business grants for women are golden opportunities for them to enter the business world, which one should not miss. While applying for a small business grant, fill the application form correctly because a single mistake can ruin your chances of getting a grant. Give all true details and clearly state the reason for which you want the business grant. You should have enough knowledge of your chosen profession and should be able to answer the questions asked by the grant agency officials. The most important thing is, you should take keen interest and work hard to prove your mettle and get the grant sanctioned. Grants are different from the business loans in such a way that the money received in the form of a grant may not be repaid back to the government.

Small business grants have helped many women bring their dreams into reality. You too can benefit from them if you work sincerely.


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Source: http://www.buzzle.com/articles/small-business-grants-for-women.html

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Plans for small Business

Plans for small Business

Green Design Group LLC, "Green" or "The Company" is a full service business providing customers with apparel marketing programs, apparel design and imports of high quality apparel products. The Company focuses on the active sportswear sector of the apparel industry and provides a menu of services from marketing and concept development of apparel products to the manufacturing and delivery of apparel products. The Business plan includes Executive Summary, Company, Product & Services, Market, Sales & Marketing, Competitors, Management, Historical Financials and Projected Financials. 

Business Plan: Executive Summary When you have drafted your first 200-300 words, you can decide what other information you need in the executive summary. For example, you might to explain what your company has achieved so far, how you are raising other finance and the role of the management team. However, go through your executive summary critically. 

Writing Tip: Business Profile - Explain in detail about your business, trends, organizational structure, influential factors in the market, patterns of research and development, contracts, and operational procedures. 

The Business Plan is perhaps the most important document an entrepreneur can create. The business plan helps guide the direction of any new company. 

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Sourse:http://www.sample-business-plan.org/Apparel-Design-sample.html

   
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Claiming Government Grants Online

Claiming Government Grants Online


Internet has surely altered and revised everything around us. Internet has come to rescue making us feel at ease dismissing barriers including distance, time, place etc. Communication has undergone a sea change with internet enabling one toconnect with anybody anywhere in the globe at an instance. Application of forms no more demands one to stand in a long tiring queue and can be filled online at one's own convenience. This is a major reason why application of Government Grants is accessible online.

The financial assistance that this Government grants proffers enables one to fulfill their basic necessities and other ambitions that they have been longing for. Government Grants have been highly beneficial for the deprived and the weakened sections of the society. The Government of USA endows these grants ensuring that there is contentment and wellbeing in the society. Anyone who wishes to take up further education and has no one to support can be entitled to take benefit from this aid. A physically challenged person who wishes to set up his own small enterprise will be able to accomplish the same by benefitting from these grants. Businessmen and others who wish to support societal needs can use this as a medium to do so. These philanthropic activities can enable millions to lead a better life and also make it evident that there is still room for humanitarianism in this materialistic world.

While grants for minorities, women, disabled and others have been quite talked about, there are some provisions availed in the category of \personal grants also. Anybody who is knowledgeable and has some colossal ideas regarding energy conservation or alleviating pollution can always look forward to getting aid from these Government Grants. If you have the perspicacity to make America a greener and a benign place to live in, you may favor from these funds.Government Grants also cater to your personal needs and aspirations. Individuals who have been unemployed and are not capable of paying their house rents can always apply for benefitting from these grants. Also anybody in need of basic requirements for sustenance including food, transportation, medical expenses and others can be offered support from these grants as the Federal Temporary Assistance for Needy Families takes the initiative of acknowledging and facilitating it.

Individuals who wish to favor from these grants can apply for these Government grants online by filling the form and stating the reason regarding how they are eligible to be benefited from this aid. Thanks to the online accessibility of these forms that one can submit this application instantaneously. One just has to bear in mind the deadline and claim the grant before the same.

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


Source: http://www.articlesbase.com/human-resources-articles/claiming-government-grants-online-5762740.html



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Small Business Loan 101

As a small business owner, your most difficult task is finding the money to operate your business. Taking the necessary steps to prepare for a small business loan can minimize the difficulty. Learn what you need to know to clinch the loan deal.

Banks and other lending institutions cite risk factors as their main reason for turning down small business loan requests from startup businesses. Yet, you can still get a loan for your business by proper preparation.

Avoid the common error of thinking you can start with grants from the government and community agencies. It is even more unlikely than getting the money from your own savings, family, friends, or a bank.

The main requirements of attaining a small business loan are your personal credit history, business plan, experience, education, and feasibility of the business you are starting or expanding.

The most important task to obtain a small business loan is preparing a business plan. The business plan needs to show the lender that providing you with a small business loan is a low-risk proposition. Your business plan must answer the questions a lending institution would ask. These questions usually are:

How much money do you need?

If you are starting a business, this should be included at least in the start-up capital estimate. Accuracy is important, so request enough money to invest wisely.

What are you going to do with the money?

You will have to provide, in detail, the designated use of every dollar requested. A small business loan is often needed for: operations (new employees, marketing, etc.), assets (equipment, real estate, etc.), or to pay off business debts.

When will you repay the small business loan?

Explain in detail how this small business loan will serve as a stepping-stone for your business. You will need to convince the lender (with your financial statements and cash flow projections) that you are able to repay the loan through the expected long-term profitability of your business.

What will you do if you don't get the loan?

Let lenders know that rejection will not discourage you from starting or growing your business. You want to portray a confident and determined personality and you will try lender after lender until you receive the money you need to get your business moving.

As a small business owner, you will need a certain degree of fortitude. Be confident and proud of your venture. Let lenders know you are in control and know what's best for you and your business. Understand that lending institutions need to make loans. But if you don't get one, don't get discouraged. Ask the lender why you didn't get the small business loan. Learn from the answer, move on, and try other lenders.

The Women's Venture Fund is a resource for women in business who need money and training to expand their venture for New York or New Jersey businesses. To learn more about the Women's Venture Fund call 212-563-0499 or visit www.womensventurefund.org.

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Tag: small business loan 101, business loans, small business loans, how to apply for business loans, small business guide application

Source: Ezine

Business Startup Grants For Minority Women

Minorities and women in our country are considered to be "disadvantaged" populations, and as such, the government and independent organizations often give them preference in funding opportunities. If your business is owned either in full or in part by a woman or other minority, you may find that there are any number of grants and loans available to help you grow or start up a business.

Minority and women small business grants are just perfect for those who are trying to start up a business. You may think of a "small business" as a small store or a one person sole proprietorship, but in many cases a much larger company can fall under that umbrella.

Grants are the ideal mode of funding because they do not have to be paid back. Unlike traditional loans which always require repayment, grants are often easier to get although they do have certain stipulations. However, there is common misconception about grants for business startups and expansion--and that is that the US federal government gives money directly to individuals and businesses. They DO NOT. Business grants typically come from private and non-profit sources, while low cost loans are the specialty of the federal government. (SBA programs, for example)

States and local communities do receive direct grant money from the federal government for specific projects. If your company can secure government contracts for these projects, such as tourism marketing, and workforce training, then you might benefit from federal grant money.

Regardless of the size of your company, however, it is always a good idea to exhaust the minority and women small business grants that are available before you start investigating loans for your business. These grants, which are primarily available from the private sources, but also from independent organizations and local and state agencies, will allow you to take the next step in your business, whether that is actually getting it off the ground, or expanding the operations of the company.

In today's new economy, any funding is good funding, and if you aren't growing, then you are actually falling behind - so take advantage of these funding opportunities to create a stronger and longer lasting business for yourself.

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Tag: business startup grants for minority women, start up grant, business grant
Source: Ezine