U.S. Government Small Business Grants & Loans For Women & Minorities!

Up to $150,000!

The U.S. Government is America's largest source of financial assistance for women and minority owned small businesses.

Click Here For More Info on U.S. Government Small Business Grants and Loans For Women and Minorities!

Many big businesses whose names are now household words - FedEx, Intel, Nike, Apple, Ben & Jerry’s, Compaq and AOL - received help from the Government business grants and loans along the way.

Small Business Innovation Research (SBIR) Government Grant Program

Under the Small Business Innovation Research (SBIR) grant program, 10 federal agencies having annual research and development requirements of more than $100,000,000 ($100 million), must reserve 2.5% of these funds for grant awards to small businesses.

Small Business Technology Transfer (STTR) Government Grant Program

Under the Small Business Technology Transfer (STTR) grant program, 5 government agencies with annual research and development budgets of more than $1,000,000,000 ($1 billion), must reserve .15% of these funds for grant awards to collaborative efforts between small businesses and non-profit research institutions.

The 7(a) Business Loan Guaranty

The 7(a) Business Loan Guaranty Program is one of the Small Business Administration's (SBA) primary lending programs. It provides small business loans to women and minority owned small businesses unable to secure business loans on reasonable terms through normal small business lenders. The program operates through private-sector lenders that provide loans which are, in turn, guaranteed by the SBA.

The Prequalification Business Loan Program

The Prequalification Business Loan Program uses intermediaries to assist small business owners in developing viable business loan application packages and securing business loans.

SBALowDoc Business Loan

The New SBALowDoc Business Loan -

Streamlines the making of small business loans.
Increases the maximum business loan amount to $150,000.
Calls for a response from the SBA within 36 hours of receiving a complete loan application.
Allows for an SBA guarantee of up to 80% for loans up to $100,000, and up to 75% for loans over $100,000 up to $150,000.

The MicroLoan Program

The MicroLoan Program was developed to increase the availability of very small loans to prospective small business borrowers. Under this program, the SBA makes funds available to nonprofit intermediaries, who in turn make loans to eligible borrowers in amounts that range from under $100 to a maximum of $25,000. The average loan size is $10,000.

Most small business lenders are familiar with SBA loan programs so interested applicants should contact their local lender for further information and assistance in the SBA small business loan application process.