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

SBA offers a variety of loan programs for very specific purposes. ... Government grants are funded by tax dollars and require very stringent compliance and ...

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

Find Small Business Loans. Federal, state and local governments offer a wide range of financing programs to help small businesses start and grow their ...

SBA.gov: The US Small Business Administration

What SBA Offers to Help Small Businesses Grow · SBA Loan Programs · How to Prepare ... SBA Disaster Loans Video ... How to Sell to the Federal Government.

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 - Business

... to provide improved, personalized access to government loan programs. ... 7(a ) loans are the most basic and most used type loan of the Small Business ... The purpose of the Business & Industrial (B&I) Guaranteed Loan Program is to ...

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

Aug 2, 2012 ... http://www.getbusinessfunding.org Whether you are planning to launch a new start up or you want to expand your current business, you are ...

How to Get a Government Business Loan: 7 Steps (with Pictures)

Can you acquire a straight Government Business Loan? Yes! But there are methods you need to know. Here are the facts. There is no such thing as a free lunch.

Small Business Lending Fund - Department of the Treasury

Apr 8, 2014 ... ... banks1 and community development loan funds (CDLFs) in order to encourage small business lending. ... U.S. Government Shared Services.

Truth about small business grants from the government

The truth about U.S. Government small business grants. ... easiest and most comprehensive method of finding small business grants, loans and other financing ...

How to Get a Government Funded Small Business Loan | Chron.com

The Small Business Administration (SBA) backs loans that are made to small businesses by banks. Government-backed loans are often convenient, and ...

Government Grants and Loans for Individuals :USA.gov

GovLoans.gov helps individuals looking for government loans. It directs you ... Small Business Administration (SBA): Loans and Grants Search Tool. Local and  ...

Small Business Government Loans | Chron.com

Small Business Government Loans - read about About Government Grant Loans for Small Businesses, How to Get a Government Small Business Loan, How to ...

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.