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How do I get a small business grant or loan?

Answer: 

The Federal government does not provide grants for starting a business. Generally, Federal grants are only available to non-profits, state and local governments and larger businesses engaged in government-sponsored scientific research. Some small business grants can be obtained from non-profit organizations and a few state government agencies for specific types of businesses.

However, federal, state and local government agencies provide loan guaranty programs that make it easier for small businesses to obtain start-up and expansion loans from commercial lenders.

Use our Loans and Grants Search Tool to find a broad range of financial assistance programs for which your business might qualify.

Visit the Small Business Loans guide to get general information about loans and how to apply for them.