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Loans & Grants | The U.S. Small Business Administration | SBA.gov

Facts About Government Grants. SBA does not provide grants for starting and expanding a business. Government grants are funded by tax dollars and require  ...

Small Business Loans | The U.S. Small Business Administration ...

An Official Website of the United States Government ... GOV site - U.S. Small Business Administration. 12 ... SBA.gov » Loans & Grants » Small Business Loans ...

Government Small Business Loans — How Do I Get One? - SBA

Government small business loans help put your own business within reach; unlike for-profit lenders, who are reluctant to take a chance on untried businesses .

GovLoans.gov | Find the Right Loan for You

Welcome to GovLoans.gov, your source for locating the loans you need. What is GovLoans.gov? Your gateway to government loan information; Informs citizens of loans they may be eligible for; Provides information on ... Business · Housing.

Start Up Loans - GOV.UK

Dec 15, 2014 ... Find out what you can get and if your business is eligible ... Start Up Loans is a government-funded scheme that funds and mentors ...

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Finance and support for your business - GOV.UK

Find government-backed support and finance for business, including: grants; finance and loans; business support eg mentoring, consultancy; funding for small  ...

How to Get a Small Business Loan or Government Grant - YouTube

Aug 2, 2012 ... Grants are not the same as loans because they do never have to be repaid. A grant .... Government Grants for New Small Business via Google+.

Access to Government Support for Small Businesses - Virgin Startup ...

... for help, choose Virgin Startup & access government support for your small business. ... This needs to be backed by more bank lending and start up loans for  ...

Small Business Lending Fund - Department of the Treasury

Jan 7, 2015 ... How can my company apply for grants, loans, or financial assistance? .... Established by the Small Business Jobs Act of 2010 (the Act), the Small Business Lending Fund ... and community development loan funds (CDLFs) in order to encourage small business lending. ... U.S. Government Shared Services.

Government Grant Advice - UK Business Grants for Small Businesses

How UK small businesses secured a government grant and what business grants are out there for you. ... Flexible, short term business loans. Apply for up to ...

Start Up Loans

Start Up Loans is a government initiative providing funding, mentoring and support to entrepreneurs. Alternative funding source to banks and business grants.


In a few quick steps, this wizard will guide you to government resources to access financing for your business. Launch the Wizard · Explore Exporting Grow Your ...

A Guide to Government Business Loans

Government business loans are federally back loans, typically with lower interest rates. These small business loans are available for a variety of business needs including start-up, real estate purchases, equipment purchases and expenses, and help millions of small businesses launch and remain open. If you own a small business, or would like to become one, the U.S. Small Business Administration (SBA) can provide funding as well as invaluable guidance about business operations.

The SBA was created in 1953 for the express purpose of helping Americans start, build and grow businesses.  You can apply with the SBA for access to disaster assistance loans, start-up loans, equity capital and surety bonds. A commercial lender will help you work with the SBA to qualify for these government funds. Find a SBA Lender in your area by visiting SBA.gov.

Prior to meeting with the SBA Lender you need to assess your current financial and fully understand your needs. The SBA recommends asking and answering the following questions:

Do you need more capital? Can you manage existing cash flow?

An infusion of working capital may be in order if you find it difficult to pay bills on time.

What is the nature of your need?

Are you expanding? Do you need a financial safety net?

How urgent is your need?

It's better to anticipate your needs rather than looking for money under pressure, and loan approval is more difficult if your company is already in trouble. Try to plan ahead and secure financing before a crisis hits.

How great are your risks?

Business ownership is inherently risky. The degree of risk associated with your business will impact your loan cost and options.

In what state of development is your business?

Start-up and expansions – transitional stages in a business -- tend to be the most urgent and costly.

How will you use the capital?

Lenders will want to know how you’ll use the loan funds to gauge the viability of your business and ensure repayment.

What is the state of your industry?

The current economic state of your industry -- depressed, stable, fast-growing – affects your search for loan funding. A business that’s less vulnerable to difficult economic scenarios will usually be granted better terms.

Do you operate a seasonal or cyclical business?

Short-term, seasonal loans are typically smaller and mature more quickly. Cyclical industries often have ebbs and flows, and erratic cash flow, requiring loans to survive depressed periods.

Does your management team make the grade?

Your SBA lender will need to be convinced that you have a competent management team in place.

Is your business plan in place?

Lenders have to know if you’ve developed a solid business plan, whether you’re just starting or looking to expand.

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