What site do I go through to apply for a government grant?

Question

I'd like information on finding grants to purchase a home or to start my own business. Government Grants???

Answer 1

Grants aren't hard to FIND, but they can be extremely difficult and time-consuming to GET.

There are essentially only 5 sources for grants. A little known fact it that you do NOT have to be a non-profit to get a grant, regardless of what others tell you ... I've helped for-profits apply for grants.

Most of the Federal grants are called Small Business Innovation Research grants. These are given primarily for some new innovation. You can find out what's available at:
http://www.sbirworld.com
There is also info on this site about how to apply.

Some cities offer grants to small businesses if they will locate in the downtown area, for the purposes of building up downtown traffic. Check with your City Hall for details.

There are some Federal governemnt grants for minority businesses. You can find info at:
http://www.mbda.gov

And, there are some minority organizations that provide grants ... La Raza and the NAACP sometimes do.
http://www.nclr.org
http://www.naacp.org

Private companies sometimes help fund start-ups, especially if they think they will see some benefit from it. These are very difficult to find, but can sometimes be the easiest to get.


Finally, private foundations offer grants. You can get a list of most US Foundations and private grant sources at http://www.foundations.org/grantmakers.html.

Answer 2

http://www.grants.gov

Who is eligible?

There are many groups of organizations that are eligible to apply for government grants. Typically, most grantee organizations fall into the following categories. To find out what grants are currently available for these different eligibility categories, please refer to the Grants.gov Advanced Search.

Government Organizations
State Governments
Local Governments
City or Township Governments
Special District Governments
Native American Tribal Governments (federally recognized)
Native American Tribal Governments (other than federally recognized)

Education Organizations
Independent School Districts
Public and State Controlled Institutions of Higher Education
Private Institutions of Higher Education

Public Housing Organizations
Public Housing Authorities
Indian Housing Authorities

Non-Profit Organizations
Nonprofits having a 501(c)(3) status with the IRS, other than institutions of higher education
Nonprofits that do not have a 501(c)(3) status with the IRS, other than institutions of higher education

For-Profit Organizations (other than small businesses)
Small Businesses
Small business loans and small business grants may be awarded to companies that meet the size standards that the U.S. Small Business Administration (SBA) has established for most industries in the economy. The most common size standards are as follow:

500 employees for most manufacturing and mining industries
100 employees for all wholesale trade industries
$6 million for most retail and service industries
$28.5 million for most general & heavy construction industries
$12 million for all special trade contractors
$0.75 million for most agricultural industries

Note that about one-fourth of industries have a size standard that is different from these levels. They vary from $0.75 million to $28.5 million for size standards based on average annual revenues and from 100 to 1500 employees for size standards based on number of employees.

With few exceptions, all federal agencies, and many state and local governments, use the size standards established by SBA. You can search for further information and for loan opportunities on the Small Business Administration’s website .

Individuals
An individual submits a grant on their behalf, and not on behalf of a company, organization, institution, or government. Individuals sign the grant application and its associated certifications and assurances that are necessary to fulfill the requirements of the application process. So, if you register as an Individual, you will only be able to apply to grant opportunities that are open to individuals. An individual cannot submit a grant application to a grant opportunity that is just open to organizations.

Answer 3

I suggest you check out non profits, who are the recipients of most housing grants. Check out Habitat for Humanity.

Also visit the Nehemiah Corp as they have a downpayment assistance program for qualified lenders http://www.getdownpayment.com/

The Housing and Urban Development in their Grants Available page makes it clear that they do not provide grants to individuals -- hence no grants for a person to buy a home http://www.hud.gov/grants/index.cfm

"While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available."

It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for starting a for-profit business.

One possible exception is for companies developing or exporting agricultural goods, including food and forest product. Another exception could be the Small Business Innovation Research (SBIR) or Small Business Technology Transfer (STTR) programs http://www.sba.gov/aboutsba/sbaprograms/sbir/index.html , which fund the research and development of technological innovation that meets specific government needs.

Your best bet actually will be from the states if they offer grant programs for women (or any other special interest groups -- minorities, women, disabled, veterans, etc). Or check with non profit organizations, particularly women organizations if they offer grants. Examples include

Iowa Women's Foundation http://www.iawf.org/
New Mexico Women's Foundation http://www.nmwf.org/guidelines.html

Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/mostrequesteditems/CON_FAQ2.html

"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."

Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.

Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.
http://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show

Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program

Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs

For private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online http://gtionline.fdncenter.org . It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices." Entrepreneurs are apparently not one of them, so I take it they also don't have listings of private foundations who give grants to would-be entrepreneurs.

Answer 4

Very had to many scams out there. Just do not pay anything up front. Google it.