Government Resources for Small Businesses

Small Business Financing:
- SBA Programs
- USDA Programs
- FSA Programs

Tax Assistance for Small Businesses:

Training and Research:
- Small Business Development Center (SBDC)
- SCORE

Grants:
- General Grant Information
- SBIR/STTR Programs
- USDA Grant Programs

Small Business Financing:

SBA Programs:

Most government resources are focused more on training and information allowing private sector financial institutions to provide small business financing. However, their some government resources do provide loan guarantees to help facilitate small business lending.

The number one source of government sponsored small business information (including small business financing) is the Small Business Administration (SBA). The SBA provides information and training for small business owners.

To find information on the SBA's Loan Guarantee Programs:

(Just keep in mind that the SBA only guarantees the business loan - these loans must still be underwritten by private banks and other financial institutions)

Standard (general) Programs:

Basic 7(a) Loan Guarantee

CDC/504 Program

Micro-Loan Program

Surety Bonds

Special Purpose Loans:

Export Working Capital

Export Express

International Trade Loans

Community Adjustment and Investment Program

Employee Trust

CAPlines

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U.S. Department of Agriculture(USDA)Programs:

Government programs designed to faciliate rural development, job creation, public facilities and wealth creation.

Community Facilities Loans and Grants
Community Programs are designed to develop essential community facilities for public use in rural areas. These facilities include schools, libraries, childcare, hospitals, medical clinics, assisted living facilities, fire and rescue stations, police stations, community centers, public buildings and transportation. Offers direct loans, guaranteed loans and grants. Also offers loans and grants to rural organizations developing and commercializing biofuels.

Community Facilities Direct Loan Program

Community Facilities Guaranteed Loan Program

Community Facilities Grant Program

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The U.S. Farm Service Agency (FSA) Programs:

Programs designed to improve the economic stability of the agricultural industry and to help farmers adjust production to meet demand. To include direct loans to farmers and producers, farmland rehabilitation and energy programs:

Farm Loan Programs
Direct loans or guarantees and operating loans to family-size farmers and ranchers who cannot obtain commercial credit from a banks or similar lending institutions. Can be used for land purchase, livestock, equipment, feed, seed, and supplies as well as to construct buildings or make farm improvements.

Energy Programs
Offers two energy financing programs:

Biomass Crop Assistance Program - Provides financial assistance to producers or entities that deliver eligible biomass material to designated biomass conversion facilities for use as heat, power, biobased products or biofuels.

Feedstock Flexibility Program for Bioenergy Producers - Helps promote the domestic production of biofuels from surplus sugar.

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Tax Assistance for small businesses:

Information directly from the source - the Internal Revenue Service (IRS).

Tax Information for Businesses
Tax Information for Corporations
Tax Information for International Businesses
Tax Information for Partnerships
Small Business and Self-Employed Tax Center
E-Business and E-Commerce Tax Center
American Recovery and Reinvestment Act of 2009: Information Center

Electronic Federal Tax Payment System (EFTPS)
EFTPS is a service offered free by the U.S. Department of the Treasury to help business and individual taxpayers conveniently pay all their federal taxes electronically.

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Training and Research:

Small Business Development Center (SBDC) - Provides management assistance to current and prospective small business owners.

Locate a local SBDC office.

SCORE - Free online and face-to-face business counseling, mentoring, and training. Business help and advice for small businesses just starting or for existing businesses looking to grow.

Find Infomration Online
Find Local SCORE Offices

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Grants:

General Grant Information:

State and Organizational Grants

SBA Grant Information
Information and resources regarding government sponsored grant programs.

SBIR/STTR:

SBIR/STTR Grants:
Sponsored by the SBA - these programs are designed to help fund small, high-tech, innovative businesses are a significant part of the federal government's research and development efforts. Eleven federal departments participate in the SBIR program; five departments participate in the STTR program awarding $2billion to small high-tech businesses. The U.S National Science Foundation administers the SBIR.GOV site on behalf of the federal government.

Use the links below to find solicitations and information (including deadlines) for grants funding from government departments. Them apply for them through - Grants.gov

Small Business Innovation Research Grants
Small Business Technology Transfer Grants

USDA Grant Programs:

Many of these programs are only directly available to your local rural public entities like towns, cities, municipalities and counties who in turn fund local rural development initiatives. Small business owners or non-profit organizations seeking these grants should apply through these public entities:

Community Facilities Grant Program
Grants for essential community facilities in rural areas and towns of up to 20,000 in population for public entities such as municipalities, counties, and special-purpose districts, as well as non-profit corporations and tribal governments.

Value-Added Producer Grants
Grants for planning activities and for working capital for marketing value-added agricultural products and for farm-based renewable energy.

Rural Business Enterprise Grant Program
Grants for rural projects that finance and facilitate development of small and emerging rural businesses to include employment related adult education programs.

Rural Business Opportunity Grants
Grants to promote sustainable economic development in rural communities with exceptional needs through provision of training and technical assistance for business development, entrepreneurs, and economic development officials and to assist with economic development planning.

Rural Energy for America Programs

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