Local & State Funding

Small Business Funding Navigator

Discover grants, loans, tax credits, and technical assistance programs from SBA, state agencies, CDFIs, and local organizations — matched to your business profile.

30 Programs
11 Grants
17 Loans
6 States

30 programs found

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Featured Programs

FeaturedLoans

SBA Veterans Advantage Loan Program

Offers reduced fees on SBA 7(a) and SBA Express loans for veteran-owned small businesses. Eligible borrowers include veterans, service-disabled veterans, active-duty military members, reservists, National Guard members, and their spouses.

Up to $5.0MApply
FeaturedLoans

Ohio Micro-Loan Program

The Ohio Department of Development's Micro-Loan Program provides 0% interest loans to stimulate the growth of new and existing small businesses. Designed to support minority-owned and economically disadvantaged businesses across Ohio.

Up to $45KApply
FeaturedGrants

USDA Rural Energy for America Program (REAP)

Provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses for renewable energy systems and energy efficiency improvements. Grants cover up to 50% of project costs.

Up to $1.0MApply
LoansSBA Nationwide Featured

SBA Veterans Advantage Loan Program

Offers reduced fees on SBA 7(a) and SBA Express loans for veteran-owned small businesses. Eligible borrowers include veterans, service-disabled veterans, active-duty military members, reservists, National Guard members, and their spouses.

U.S. Small Business Administration$25K — $5.0Mgeneral
GrantsFederal Nationwide Featured

USDA Rural Energy for America Program (REAP)

Provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses for renewable energy systems and energy efficiency improvements. Grants cover up to 50% of project costs.

U.S. Department of Agriculture (USDA)$3K — $1.0Mgreen energy
LoansState Programs OH Featured

Ohio Micro-Loan Program

The Ohio Department of Development's Micro-Loan Program provides 0% interest loans to stimulate the growth of new and existing small businesses. Designed to support minority-owned and economically disadvantaged businesses across Ohio.

Ohio Department of Development$1K — $45Kstartup
GrantsState Programs CA Featured

Accelerate California Innovation Grant

The CalOSBA Accelerate California Innovation Grant program supports innovative California entrepreneurs and small business owners developing new products, services, or technologies. Grants fund early-stage R&D and commercialization efforts for California-based startups.

California Office of the Small Business Advocate (CalOSBA)$25K — $250Kinnovation
GrantsFederal Nationwide Featured

Small Business Innovation Research (SBIR) Program

America's Seed Fund — a competitive awards-based program that encourages domestic small businesses to engage in federal research and development with the potential for commercialization. SBIR enables small businesses to explore their technological potential and provides incentive to profit from commercialization. Phase I awards up to $275,000; Phase II awards up to $1,000,000.

U.S. Small Business Administration (multi-agency)$50K — $1.3Minnovation
LoansSBA Nationwide Featured

SBA 504 Loan Program

Provides long-term, fixed-rate financing for major fixed assets that promote business growth and job creation. 504 loans are available through Certified Development Companies (CDCs), SBA's community-based partners who regulate nonprofits and promote economic development within their communities.

U.S. Small Business Administration$125K — $5.5Mexpansion
LoansSBA Nationwide Featured

SBA 7(a) Loan Program

The SBA's primary and most flexible loan program. Provides financial help for businesses with special requirements. Loan proceeds can be used for most sound business purposes including working capital, machinery and equipment, furniture and fixtures, land and building, leasehold improvements, and debt refinancing under certain conditions.

U.S. Small Business Administration$25K — $5.0Mgeneral
LoansSBA Nationwide Featured

SBA Microloan Program

Provides small, short-term loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand. The average microloan is about $13,000. Funds can be used for working capital, inventory, supplies, furniture, fixtures, machinery, and equipment.

U.S. Small Business Administration$500 — $50Kstartup
LoansCDFI Nationwide

Pursuit Lending Small Business Loans (Northeast)

Pursuit is a CDFI and SBA-preferred lender providing loans from $10,000 to $5,000,000 across the Northeast. Offers SBA 7(a), SBA 504, and direct lending products with a focus on businesses that may not qualify for traditional bank financing.

Pursuit Lending$10K — $5.0Mgeneral
GrantsFederal Nationwide

USDA Rural Business Development Grant

Provides grants for rural projects that finance and facilitate development of small and emerging rural businesses. Funds can be used for technical assistance, training, business planning, market research, and other business development activities.

U.S. Department of Agriculture (USDA)$10K — $500Krural
GrantsFederal Nationwide

EDA Public Works and Economic Adjustment Assistance

The Economic Development Administration provides investments to support construction, non-construction, technical assistance, and revolving loan fund projects. Helps communities experiencing economic distress create jobs and attract private investment.

U.S. Economic Development Administration (EDA)$100K — $30.0Murban
GrantsPrivate/Foundation Nationwide

Amber Grant for Women

Monthly grants of $10,000 awarded to women-owned businesses, with an additional $25,000 year-end grant. One of the longest-running grant programs specifically for women entrepreneurs. No business plan required — just a compelling story about your business.

WomensNet$10K — $25Kstartup
LoansCDFI Nationwide

DreamSpring Small Business Loans

DreamSpring is a national CDFI providing loans from $200 to $2,000,000 to small businesses across the U.S. Specializes in serving underserved entrepreneurs including minority-owned, women-owned, and veteran-owned businesses with flexible underwriting criteria.

DreamSpring$200 — $2.0Mgeneral
LoansState Programs FL

Florida Microfinance Loan Program

Provides microloans to small and minority-owned businesses in Florida that have difficulty accessing traditional financing. Loans support working capital, inventory, and equipment needs for businesses with fewer than 25 employees.

Florida Department of Economic Opportunity$1K — $50Kstartup
LoansState Programs IL

Illinois Small Business Emergency Loan Fund

Offers low-interest loans of up to $50,000 to small businesses located outside the City of Chicago. Designed to help businesses facing financial hardship access affordable capital for recovery and stabilization.

Illinois Department of Commerce and Economic Opportunity$5K — $50Kdisaster
LoansState Programs NY

New York SBDC Microloans

The New York Small Business Development Center provides shorter-term microloans and loans under $250,000 to eligible businesses for working capital, equipment purchases, real estate improvements, and other business needs.

New York Small Business Development Center$500 — $250Kgeneral
LoansState Programs OH

Ohio Capital Access Program (OCAP)

OCAP is a loan enhancement program that provides small businesses with access to capital they might not otherwise receive. The program creates a reserve fund at the lending institution to cover potential losses, encouraging lenders to make loans to small businesses.

Ohio Department of Development$5K — $500Kgeneral
GrantsState Programs IL

Illinois Small Business Capital and Infrastructure Grant

The Illinois Department of Commerce and Economic Opportunity provides grants for initiatives that drive business growth, enhance operational efficiency, promote sustainability, and create jobs in Illinois communities.

Illinois Department of Commerce and Economic Opportunity (DCEO)$10K — $250Kexpansion
GrantsState Programs FL

Florida STEP Export Grant

The Florida Small Business Development Center Network administers the State Trade Expansion Program (STEP) grant, providing reimbursement of up to $2,500 in export and trade show related travel costs for Florida small businesses expanding into international markets.

Florida SBDC Network$500 — $3Kexport
Technical AssistanceFederal Nationwide

DOE Small Business Vouchers (SBV) Program

The Department of Energy's Small Business Vouchers program provides small businesses with access to national laboratory expertise and capabilities. Vouchers cover 50-80% of the cost of working with a national lab on clean energy technology development.

U.S. Department of Energy$50K — $300Kgreen energy
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