Government Grant and Loan Programs
Advanced Research Projects Agency (ARPA-E), U.S. Department of EnergyARPA-E sponsors several different funding opportunities for those exploring creative technologies that promise to transform the ways we generate, store and utilize energy. The program partners with universities, firms, and small businesses. ARPA-E’s funding opportunities include programs and partnerships in the areas of solar technology, rare earth alternatives, and advanced thermal storage.
U.S. Department of Energy Research and Development Grants |
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Export Working Capital Program (EWCP), U.S. Small Business AdministrationThis program is the SBA's role in export financing and is delivered through a network of SBA Senior International Credit Officers located in U.S. Export Assistance Centers throughout the country.
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Self-Employment Assistance Program, U.S. Department of LaborThe Self Employment Assistance Program encourages and enables the unemployed to create their own jobs by starting small businesses. Participants receive weekly allowances while they are getting their businesses off the ground. Under these programs, States can pay a self-employed allowance, instead of regular unemployment insurance benefits, to help unemployed workers while they are establishing businesses and becoming self-employed.
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Broadband Technology Opportunities Program, U.S. Department of CommerceThe Broadband Technology Opportunities Program distributes grants to expand broadband access and adoption in communities across the country. The National Telecommunications and Information Administration (NTIA), administers the program, which aims to provide improved broadband internet facilities, new public computer facilities, and increased broadband usage among vulnerable populations where broadband technology has historically been underutilized.
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The VA Innovation Initiative (VAi2), U.S. Department of Veterans AffairsVAi2 is a department-wide program designed to bring the most promising innovations to Department challenges in order to create visionary solutions in service to Veterans. VAi2 has funded innovations in health care delivery, drug prescription systems, and business development.
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Business and Industry (B&I) Guaranteed Loan Program, U.S. Department of AgricultureThe purpose of the B&I Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities. This purpose is achieved by bolstering the existing private credit structure through the guarantee of quality loans which will provide lasting community benefits.
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Rural Energy for America Program, U.S. Department of AgricultureThis grant program, aimed at rural American communities, funds assistance to agricultural producers and rural small businesses to purchase and install renewable energy systems and make energy efficiency improvements. The program is designed to assist farmers, ranchers and rural small businesses that are able to demonstrate financial need.
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U.S. Department of Agriculture Small Business Improvement Research GrantsClick Here to see all available grants.
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Community Adjustment and Investment Program (CAIP), U.S. Small Business AdministrationCAIP is an assistance loan program designed to help small businesses in regions negatively affected by the North American Free Trade Agreement (NAFTA).
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CAPLines Loan Program, U.S. Small Business AdministrationCAPLines is an umbrella program designed to assist small business in their short-term and cyclical working-capital needs. It is divided up into five lines, each with its own specific focus and usage requirements.
Seasonal Line - Borrowers must use the loan proceeds solely to finance the seasonal increases of accounts receivable and inventory (or in some cases associated increased labor costs); it can be revolving or non-revolving. Contract Line - This line finances the direct labor and material cost associated with performing assignable contract(s); it can be revolving or non-revolving. Builder’s Line - If you are a small general contractor or builder constructing or renovating commercial or residential buildings, this can finance direct labor and material costs. The building project serves as the collateral and loans can be revolving or non-revolving. Standard Assest-Based Line - This is an asset-based revolving line of credit for businesses unable to meet credit standards associated with long-term credit. It provides financing for cyclical growth, recurring and/or short-term needs. Repayment comes from converting short-term assets into cash, which is used to pay back the lender. Your business can continually draw from this line of credit, based on existing assets, and repay as their cash cycle dictates. This line generally is used by businesses that provide credit to other businesses. Because these loans require continual servicing and monitoring of collateral, additional fees may be charged by the lender. Small Assest-Based Line - This is an asset-based revolving line of credit of up to $200,000. It operates like a standard asset-based line except that some of the stricter servicing requirements are waived, as long as your business can consistently show repayment ability from cash flow for the full amount. Rural Lender Advantage Loan, U.S. Small Business AdministrationThe Small/Rural Lender Advantage (S/RLA) initiative is designed to promote the economic devlopment of local communities, in particular those affected by the rising unemployment, population loss, and economic dislocation caused by the current economic crisis by accomodating the unique processing needs of small community/rural-based lenders.
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Employee Trusts Program, U.S. Small Business AdministrationThe Employee Trusts Program is designed to provide financial assistance to Employee Stock Ownership Plans.
Export Express Loan Program, U.S. Small Business AdministrationThe Export Express Loan Program provides financial assistance to any business that has been in business, not necessarily exporting, for at least 12 full months, and can be used for business purposes that will enhance the business's export development in either a term loan form or in the form of a revolving line of credit.
SBA and Ex-Im Bank Co-Guarantee Program, U.S. Small Business AdministrationThe SBA and Ex-Im Bank Co-Guarantee Program provides small business exporters the ability to obtain larger export working-capital loans than the SBA can handle by itself.
Microloan Program, U.S. Small Business AdministrationThe Microloan Program provides small, short-term loans to small business concerns and certain types of not-for-profit child-care centers. The SBA makes funds available to specially designated intermediary lenders, which are nonprofit community-based organizations with experience in lending as well as management and technical assistance. These intermediaries make loans to eligible borrowers.
International Trade Loan Program, U.S. Small Business AdministrationThis program offers term loans to businesses which are intending on either starting or continuing exporting, or that have been adversely affected by import competition. The loan program works with any business in a position to expand existing export markets or develop new export markets, or small businesses that have been adversely affected by international trade and can demonstrate that the loan proceed will improve their competitive position.
Export-Import Bank of the United States (Ex-Im Bank)Ex-Im Bank is the official export-credit agency of the United States. The independent federal government agency helps to create and maintain U.S. jobs by financing the sales of U.S. exports, primarily to emerging markets throughout the world, providing loan guarantees, export-credit insurance and direct loans. Access their website here.
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Can't Find A Grant for You?
Click Here to see a searchable list of all government grants by grants.gov.
