Business Loans, Grants and Financing Results for Daycare Centers

Grants (7 Results)

Department of Housing and Urban Development
Single-Room Occupancy (SRO) Program
The Single Room Occupancy (SRO) Program provides rental assistance for applicable properties that will?when the renovations are complete contain upgraded single occupancy units for individuals who are homeless.

Supportive Housing Program
It is designed to promote, grants under the Supportive Housing Program are awarded through a national competition held annually, as part of a local Continuum of Care strategy, the development of supportive housing and supportive services to assist homeless persons in the transition from homelessness and to enable them to live as independently as possible.

Department of Justice
Disability Grant Program
Disability Grant Program recipients will provide training, consultation, and information on domestic violence, dating violence, stalking, and sexual assault against individuals with disabilities and enhance direct services to such individuals. By statute, eligible applicants include states; units of local government; Indian tribal governments or tribal organizations; and non profit and non-governmental victim services organizations, such as a state domestic violence or sexual assault coalitions or nonprofit, nongovernmental organization serving disabled individuals.

Transitional Housing Assistance Program
Grants made under this grant program support programs that provide assistance to victims of domestic violence, dating violence, sexual assault, and stalking who are in need of transitional housing, short-term housing assistance, and related support services, including counseling, support groups, safety planning, and advocacy services as well as practical services such as licensed child care, employment services, transportation vouchers, telephones, and referrals to other agencies.

Department of Veteran Affairs
Homeless Providers Grant and Per Diem Program
The purpose of the Grant and Per Diem Program is to fund community agencies providing services to homeless Veterans.

U.S. Small Business Administration
Small Business Innovation Research (SBIR) Program & Small Business Technology Transfer (STTR)
These two programs award a specific percentage of Federal R&D funds to qualified small businesses. SBIR/STTR programs encourage small firms to undertake scientific research that helps meet Federal R&D objectives, and have high potential for commercialization if successful.

Idea CafeSmall Business Grants
This private organization provides $1,000 in grants anyone who currently owns a business or is planning to start one. Awards are primarily based on innovation and originality.


Seed & Venture Capital (4 Results)
U.S. Small Business Administration
New Markets Venture Capital
A developmental venture capital program designed to promote economic development and the creation of wealth and job opportunities in low-income geographic areas and among individuals living in such areas.

Small Business Investment Company (SBIC) Financing
SBICs are privately owned and managed investment funds, licensed and regulated by SBA, that use their own capital plus funds borrowed with an SBA guarantee to make equity and debt investments in qualifying small businesses.

North Carolina Dept of Commerce
Small Business Technology Funding
Variety of funding resources for businesses that are fueling high-tech innovation in North Carolina.

vFinance, Inc.
Venture Capital Resource Library
Directory of venture capital firms, investment banks, and related business finance information.



U.S. Small Business AdministrationBasic 7(a) Loan Program
For starting, acquiring and expanding a small business, 7(a) loans are the most basic and most used type loan of SBA's business loan programs. Borrowers must apply through a participating lender institution.

CAPLines
CAPLines is the umbrella program under which the SBA helps small businesses meet their short-term and cyclical working-capital needs.

Community Adjustment and Investment Program (CAIP)
The Community Adjustment and Investment Program (CAIP) was established to assist U.S. companies doing business in areas of the country that have been negatively affected by the North American Free Trade Agreement (NAFTA). CAIP loans allow for the payment of fees on eligible loans, including the 7(a) Loan Program guaranty fee and the 504 program guaranty and CDC and lender fees. Depending on the size of the loan, these fees can be sizeable. CAIP works with SBA to reduce borrower costs and increase the availability of these programs.

Community Advantage
Small business owners and entrepreneurs don't always need large loans. The Community Advantage and Small Loan Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA's highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

Community Express
Community Express is an SBA pilot, 7(a) loan program for small businesses in low and moderate income areas. Lenders are not required to take collateral for loans up to $25,000. Lenders may use their existing collateral policy for loans over $25,000 up to $250,000. To learn more, contact your local district office.

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.

Military Reservists Economic Injury Loans
The Military Reservist Economic Injury Disaster Loan program (MREIDL) provides funds to help an eligible small business meet ordinary and necessary operating expenses that it could have met, but is unable to meet, because an essential employee was called-up to active duty in their role as a military reservist.

Mission-Focused Lenders
Small business owenrs and entrepreneurs don't always need large loans. The Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA's highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

SBA Preferred Lender Program
Small business owenrs and entrepreneurs don't always need large loans. The Advantage programs help business owners get crucial small loans (under $250,000) with a streamlined application, minimal paperwork, and fast turnaround times, while still offering SBA's highest guarantee. These funds are available to financial institutions for the purpose of extending credit to small businesses.

Small Loan Advantage
Small business owners and entrepreneurs don?t always need large loans. The Community Advantage and Small Loan Advantage programs help business owners get crucial smaller loans (under $250,000) with a streamlined application, minimal paperwork and fast turnaround times, while still offering SBA?s highest guarantee.

ACCION USA
Small Business Loans
Offers flexible loans (up to $50,000) to small business owners who have limited or no access to traditional business credit, including women and minorities.

Self-Help
Financing for Small Businesses and Non-Profits
Loans for small companies and nonprofits whose financing needs are not met by traditional lenders.

Government Grants for Small Business—Think you Qualify?

Does the government provide grants to small businesses? Ah, well, yes and no. It depends on what business you are in, what kind of return the government and taxpayers can expect from their investment and whether you match some very stringent eligibility requirements.

Here are some facts about government grants for small businesses, including who is eligible and how you can go about finding them.

Can I get a Government Grant to Start and Grow My Small Business?

It’s not unreasonable to expect that the government provides grants for small businesses. People all over the internet are telling you it’s possible, and some will charge you for giving you “details.” The fact is, government grants are funded by your tax dollars and, therefore, require very stringent compliance and reporting measures to ensure the money is well spent. As you can imagine, grants are not given away casually.

Whatever you’ve heard from speakers or read on the internet, federal and state governments do not provide grants for any of the following:

• Starting a business
• Paying off debt
• Covering operational expenses

That being said, some federal government grants are available to small businesses. But here’s the catch —federal grants for businesses are typically aimed at specific industries and targeted causes identified by the government, such as scientific and medical research, conservation efforts, and so on.

At the state government level, business grants or “discretionary incentive grants” are sometimes available and, again, are closely tied to the agency’s agenda. These grants usually serve to advance regional economies and promote causes, such as clean energy development. However – and here’s the crux of the matter – state grants are often targeted at larger employers and have stringent eligibility criteria that prevent many small businesses from tapping into this funding source.

My Small Business is Involved in R&D, Am I Eligible for a Grant?

If your small business is involved in scientific research and development (R&D), you may qualify for federal grants under the Small Business Innovation Research (SBIR) program.

SBIR is a federal program, coordinated by the SBA that awards grants and contracts to small businesses engaged in research and development. The grants fund the R&D necessary to develop innovative technological products that can be brought to market. You can read more about how the SBIR program works, eligibility requirements, and how to apply for a grant in this blog: Help for Start-Ups, Pt. 5: How the SBIR Program Can Help Your High-Tech Smallbiz.

Doesn’t the SBA Provide Grants to Small Businesses?

Although the SBA does coordinate the SBIR program, it does not provide grants. In fact, most SBA loan programs involve SBA placing repayment guarantees on loans that are actually made by commercial lenders, in effect sharing the risk of the loan with the lender – and are not loaned directly by SBA itself. The SBA guarantee represents the portion of the loan that SBA will repay to the lender if you default on your loan payments. Learn more about SBA’s role in the small business loan process.

How to Find Grants

If you want to satisfy your curiosity about available grant opportunities your small business may qualify for, you have two options:

1) Search for Small Business Grants using the SBA Loans and Grants Search Tool – The tool includes state and federal financing programs specifically available to small businesses.

2) Search for Federal Grants via Grants.gov – Grants.gov is the federal government’s searchable public database of over 1,000 grant programs that award roughly $500 billion annually. Use the Advanced Search tool to search for a grant by eligibility (e.g., for-profits or small business), by issuing agency, or category (e.g., environment or science and technology).

Government Grants in a Nutshell

In a nutshell, if you are seeking “free money” to launch or expand your business, forget about it. You are far better off focusing your efforts on developing a sound business plan that capitalizes on a viable market, a compelling product or service, and a passion for business. If you do need financing, consider a small business loan instead.

If you are eligible for a government grant, it’s important to note that the government will often expect some return on its investment: either indirectly through improvement in regional economies; or directly through the development of technology which the government can use in its programs and services.

Written by Caron_Beesley, Community Moderator

Grants For Women & For-Profit Business Startups

Small businesses are a crucial part of the U.S. economy. According to the U.S. Small Business Administration Office of Advocacy, 64 percent of new jobs in the past fifteen years were created by small businesses. For women looking to start their own business, there are numerous financial options available to help with associated start-up costs.


According to  Chron.com

Non-Profit Organizations Dedicated to Women

Organizations dedicated to improving the social and economic future of women can be a tremendous resource. These groups can provide mentoring and networking opportunities, educational scholarships and funding for women to start their own businesses. The Amber Foundation Grant was established in 1998 and is run in conjunction with WomensNet.net, (womensnet.net) an online business resource for women. The grant is awarded to women looking to start either a home-based or online business to help pay for initial expenses such as establishing a website. As of 2013, the next round of grants will be a $1,500 award.
Hurry! The application cutoff for the next $500 grant is May 31, 2013

Small Business Mentoring Organizations

Successful entrepreneurs and business people are a tremendous resource for mentoring with many establishing foundations and websites to share their knowledge. They can be a great reference point for all business owners and a source of funding. Investor and entrepreneur Peter Theil established the Theil Fellowship: 20 Under 20 to encourage young entrepreneurs under the age of twenty with developed business ideas. The $100,000 grant as of publication is aimed to attract students out of the classroom and into a working-world opportunity. The Idea Cafe established by small business owner Francie Ward offers the $1,000 Small Business Grant which also includes an additional $1,500 in advertising as of 2011. Applications for the 2013 class are due by 11:59 PM, December 31, 2012.

Corporate Grants

Corporation foundations that focus on the economic stability of women can be a tremendous resource for financing. Such funding can help women create the "next big thing" as well as help secure financial independence. Baby supply company Huggies (Huggies.com) offers the MomInspired Grant program to help women to develop a product or start a business. As of publication, the award amount is $15,000. Eligible concepts do not need to be related to diapers or baby supplies but should focus on children ages newborn to six as well as pre-natal care.

Applications for the 2013 Huggies® MomInspired™ Grant will be accepted beginning Monday, May 6, 2013, through Wednesday, July 31, 2013 at 11:59 p.m. EST.

 

Make Mine a Million

(http:www.makemineamillion.org) This organization offers annual events and grant awards to women owed businesses who want to grow to over one million dollars in revenue. This site will insprire you to do great things; check it out the Million Dollar Club page to read about the success stories of the organization.

About the Author

Beth Greene was first published in the "Journal Irish Historical Studies" in 2000. She holds a Bachelor of Arts from the National University of Ireland, Galway, a Master of Philosophy in medieval history from Trinity College, Dublin and a Master of Library and Information Science from the University of Wisconsin.

Facts About Government Grants

According to Small Business Administration government grants are funded by your tax dollars and, therefore, require very stringent compliance and reporting measures to ensure the money is well spent. As you can imagine, grants are not given away indiscriminately.

Grants from the Federal government are authorized and appropriated through bills passed by Congress and signed by the President. The grant authority varies widely among agencies. SBA has authority to make grants to non-profit and educational organizations in many of its counseling and training programs, but does not have authority to make grants to small businesses. The announcements for the counseling and training grants will appear on grants.gov. If Congress authorizes Specific Initiative Grants, organizations receiving such grants will receive individual notifications.

Some business grants are available through state and local programs, nonprofit organizations and other groups. For example, some states provide grants for expanding child care centers; creating energy efficient technology; and developing marketing campaigns for tourism. 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. The amount of the grant money available varies with each business and each grantor.

If you are not one of these specialized business, both federal and state government agencies provide financial assistance programs that help small business owners obtain loans and venture capital financing from commercial lenders.