Government small business grants are given to qualified business owners who need a little financial assistance. For those owners who are interested in something like this, the best thing to do is do a bit of research. You can go online, check with your local Chamber of Commerce, and check with the better business bureau for information. This way you can see if you qualify or not for any grants. There are several grants out there to help in different ways. Take for example, there are small business grants that help one with equipment, or grants that help with payroll, there are even grants that help pay for living expenses in case you are spending all your money on your company rather than yourself and family. So the truth is, if you need help financially and you are a small business owner, it is in your best interest to look into this opportunity.

There are countless small businesses out there in today´s world. Many of them succeed, many of them fail. For those ones that succeeded, I can bet my bottom dollar that they got some assistance on the way. Maybe not in the form of a government small business grant, but in some way they did. If you need some financial help with your small business, try and get some help. Government small business grant could be your solution to making your company succeed.

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When starting up your own small business, the first priority would be to find start-up capital. The best capital to get is the small business grants such as free grants that you never have to pay back, or other types of grants that are more like loans and require repayment with interest.

New business owners and existing business owners are eligible to apply for business grants. There is a wide array of Federal business grants available such as Free Government Money for Minorities, Free Government Money for Women, and Obtain Free Government Money for equipment, rent, offices, expenses and overhead

There are numerous sources to find the best business grants:

* The Catalog of Federal Domestic Assistance is a major provider of business grant money.

* The Federal Register is another good source to help you keep current with the continually changing federal grants offered.

* FedBizOpps is another great resource, as all federal agencies must use FedBizOpps to notify the public about contract opportunities worth over $25,000.

* The U.S. Government’s Grants has its own website where you can find, obtain information and apply for many of the grants that are available.

* Government’s Catalog of Federal Domestic Assistance (CFDA) provides a listing of Government grants and other types of assistance that you can receive.

Federal law mandates that government agencies and private foundations give away over 1 trillion dollars to individuals and businesses. Foundations are required by law to distribute 5 percent of their market value assets or interest income annually, whichever of these amounts is greater, or risk losing their tax-exempt status.

The incentive for giving away grants is great. First, elected officials seeking reelection give away billions in government cash so that people vote for them; second, big corporations save a lot of money in taxes by giving money to foundations.

Another option when starting your business would be to apply for private grants from foundations and corporations. Foundations award grants to businesses that are able to help the foundation reach its long-term goals. In the United States there are more than 65,000 private grant foundations which award more than $20 billion to applicants. Two good resources for private grants are the Foundation Center and the Council on Foundations.

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Availability of Federal Grants

It would behoove the readers to note that although there are numerous federal grants, very few of these are available to individuals. Moreover, grants are not provided for personal financial assistance. Typically, federal grants are made available to the following entities: Government Organizations, Educational Associations and Organizations, Public Housing Organizations, Non-Profit Organizations and Small Businesses.

Generally, federal grants are available to non-profit organizations and are for non-commercial purposes. Some federal grants are provided for the purpose of aiding community development and for conducting research in the field of health and medicine, science & technology and environment, and for promoting arts, humanities, and education. Small Business Innovative Research Grants were instituted in accordance with the Small Business Innovation Development Act of 1982. These small business grants are awarded for research and development in the following areas: environment, defense, health care, and information management.

Student grants are the most readily available federal grants. Grants for college students are both merit based as well as need based. Students have the option of applying for the following grants: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG) , Academic Competitiveness Grant (ACG) and the National Science and Mathematics Access to Retain Talent Grant. Of these, Federal Pell Grant and Federal Supplemental Educational Opportunity Grant are need based while the Academic Competitiveness Grant (ACG) and the National Science and Mathematics Access to Retain Talent Grant are merit based.

Free Grant Money Applications

Applying for college grants is easy since students have to fill out free grant money applications, better known as FAFSA (Free Application for Federal Student Aid). This application is available at the high school guidance office, or people may choose to complete the application online by visiting the FAFSA or Student Aid website.

As far as other federal grants are concerned, individuals and aforementioned entities may visit the grants.gov website to complete the application. This website was established as a part of the President’s 2002 Fiscal Year Management Agenda to improve government services to the public. People have access to approximately $500 billion in annual awards, and by registering just once they can apply for grants provided by the 26 federal grant disbursing agencies. The registration process takes 3-5 days and people have the facility of checking the status of their applications online.

In addition to applying for government grants, people have the option of applying for private grants, the procedure for which varies depending upon the disburser. Grantees must take adequate care and present a convincing case while drafting or filling out free grant money applications. Individuals and institutions can try approaching non-profit entities for further details.

Entrepreneurs who believe they can stay on top by merely having a good product and loyal customers soon discover that isn’t enough anymore. Experts maintain that those owners who stop learning are basically writing their own epitaphs.

Nancy Fabricius, a Fiducial franchisee in Marlton, NJ, is constantly counseling her small business clients on the importance of keeping up with the changes in their specific industries.

“They should be reading industry magazines articles and should be members of their industry association,” said Fabricius. “That’s how you stay on top of changes. They should also go to conventions.”

Keeping up with the changes

That’s one of the ways Fabricius keeps up with the changes that are occurring in the accounting industry. She was among the attendees last week at Fiducial’s Fifth Annual Convention in San Francisco where she learned about utilizing Information Technology systems to better serve clients.

“You should make sure that the IT systems are interfacing smoothly because clients don’t want to pay to process work—they pay for consulting,” she said.

Fabricius keeps up with the latest trends in the accounting industry and in particular how to target small businesses that have been dropped by larger CPA firms who don’t necessarily want their accounts anymore because of compliance issues with the Sarbanes-Oxley Act of 2002.

One of her clients owns a gym that she purchased two years ago but fitness centers have changed a great deal since then. The client, who was always an aerobics instructor, has found out that aerobics aren’t in much demand anymore since gym club members want to lift weights, use cardio equipment, get a massage and sit in the sauna as opposed to turning themselves into bodybuilders.

Fabricius recommended that her client attend a fitness industry conference in Atlanta, which she did, and the owner came back much more open to making necessary changes in her operation. She will even be charging more for annual membership fees with aerobics and massages offered as extras.

A key reason why small businesses fail, Fabricius says, is they do not stay on top of what’s happening in their industry.

“Business has a life cycle,” she said. “It’s all about dealing with consumers who are trendy people. The smartest entrepreneur will definitely spend more time keeping up on their industry and less time running the company.”

Being open to new ideas

Larry Recor, who was named Fiducial’s 2005 Franchisee of the Year at the recent company convention, increased his knowledge by sitting in on several IRS seminars and networking with his colleagues. He learned what’s going on in technology where “new advances are being made to help us run our businesses.” The IRS seminars also paid dividends.

“It was an update basically to let us know what they IRS is doing as far as audits and areas of concern that they have,” said Recor. “It’s important that we have this information so that small business owners can be vigilant in their record keeping and they aren’t surprised with audits.”

There are time-tested formulas in any industry and it’s sometimes a hard sell convincing a veteran entrepreneur to alter their routine.

Terry Smith, a business development specialist with Fiducial in Maryland, has 30 years experience in the sales field. He says there’s definitely a formula that he follows but he still keeps an open mind when it comes to other ways of doing things.

“As new ideas come along I’ll certainly make changes but the original premise of going out and acquiring small businesses for clients for accounting firms still rings true,” said Smith who has observed over the years that the most successful franchise owners “were the ones that followed the marketing system that they paid for” in buying the business.

“It would not be a good idea for franchisees to reinvent the wheel,” he said. “The system works and if you follow it, you’ll have the tools and the formula to make the presentation and close the sale.”

Working on the business

Gene Polley, a senior small business advisor in Fiducial’s San Diego office, took a good look around at the company’s convention and saw it was mainly comprised of veteran franchisees in attendance.

“These are the successful ones who are willing to pay the money to show up,” he said. “They go to classes, go to seminars, read books, get periodicals and have mentors, advisory boards or some way of getting input on their business. It’s the ones who are insular in their approach that are not successful. You need to listen to someone at your level.”

While it all depends on the business, Polley underscored the need for owners to get feedback about their operation whether it’s meeting informally with fellow business owners or having something more formalized such as an advisory board that meets and advises them on their business. In any case, he says it’s the smart owners who are “always learning and bouncing their business issues off other business owners so they’re getting varying perspectives.”

A catering client of his remains ahead of the pack in that industry because he bought his own building and was into pricing so that he knew what the profit margin was for every item listed on the menu.

“He could tell you how profitable lunch was,” Polley said. “Even though he didn’t know how to go about measuring these things he knew he had to get a grip on this stuff.”

But Polley noted that many owners have tunnel vision when it comes to doing things a certain way year after year.

“Most don’t go to seminars—it’s the minority you see there but those are the best ones,” he said. “They are active in the chambers of commerce and they’re working on their business rather than being buried in it.”

Be aware of your environment

Successful entrepreneurs are those that are always learning, according to David Prather, Fiducial’s accounting and financial reporting product manager.

“Typically you know your peers,” said Prather. “If you have a flower shop you go to the same distributors and attend the same trade shows where vendors want to get your attention.”

Prather says owners should become aware of their environment to keep abreast of the latest trends.

“As far as expanding your business you’ve got to look at the ice cream store,” he said. “What do they do in the winter—become a coffee shop? You have to look at different ways to extend your business.”

Randy Penn, branch manager of Fiducial’s Arvada, CO, office believes there are more successful business owners who listen, change and learn from the market then those that are high-bound, set-in-their-ways and rely on a rigid formula to be successful. Some business models are flexible enough that the entrepreneur may never see it run into difficulty in their lifetime. Yet trouble comes to any business if certain issues are not addressed. Penn pointed to the recent announcement by General Motors spin-off Delphi Corp., the world’s largest automotive parts supplier, which filed for Chapter 11 bankruptcy protection.

“That business is changing and the successful entrepreneur that built and grew GM in the early part of the last century had no idea that spinning off the parts organization might be a good deal and now it’s filed for bankruptcy,” said Penn. “Sometimes the model works long enough or there are enough small corrections that the entrepreneur still sees success even though they’re not innovating. Failure to innovate at some point will doom the business.”

A clean environment is one such area where almost all the state governments are promoting businesses to invest in research and develop cleaner environment friendly technology for use of consumers or other consumer industries. To promote this the state governments have specific bodies set up like in the state of Pennsylvania it is called the Pennsylvania Energy Development Authority. If you need to check them out the website is depweb.state.pa.us.

Most of the programs are focused towards helping businesses to invest in research and in turn expand the use of eco-friendly technologies which will help in saving energy costs, use alternatives, save the environment and also boost the economy.

Here is a look at the programs currently on offer in the State of Pennsylvania

The total of $12.8 million is available for grants through the Pennsylvania Energy Development Authority (PEDA). Of this $11 million is for businesses and projects which are willing to relocate to the state and or have innovative or breakthrough projects for advanced energy. For those skeptics who say that grants are not there, here is some data to look at and ponder over. Beginning 2005, PEDA has given $31 million for projects that invest in clean technology projects. The name of the other two grants is Alternative Fuels Incentive Grants and the other one is Energy Harvest.

So before you think of applying for a grant make sure that you have gone through various states energy development programs and that may give that extra edge in your business.

Where to find the information

Many people don’t know that even in these days of curtailments the Canadian government is working at their level best to provide finance in the structure of grants so that the growth in economical conditions in the country are improved. The Canadian Assistance Programs Directory is a very useful guide to get all the relevant information about the Canadian government grants. Here you can find the different types of grants that are available at both the regional and federal ranks. You can get the information online from their database directory.

Grants for business

It is very practical approach by the Canadian governments at almost all levels to involve in the development of business. They have been long actively taking part in the business matters and supplying with adequate funds. In this way many business establishments are getting to flourish in a new way and the sectors facing losses are getting financial help from all the aspects. Business person when applying for the grants must take some careful steps for applying for the loan.

Before you are applying for the grant proposal you must know that you have to design the plan and outline of the project. Check the different websites to get all the information about the grants that are offered by the Canadian government. See the programs they have funded and try to analyze them properly. Go through the criteria that have been mentioned as the eligibility for your grant category. You must carefully determine the criteria for the assessment of the proposal. Final step should be to present the application in due time.

Grants for students
The Canadian governments are trying to assist the students who are willing to complete the education but cannot do so due to the deficiency of funds. There are different types of grants available for benefiting the students who are attending the schools, colleges, university as they need financial backing. Students who come from families having low income and are high-need students of part-time can get the grants. There are grants for those students who have dependents in their families. Grants are provided to those students who have disabilities and their housing, education, books and other expenses are provided. Special grants to women who are ongoing Doctoral Studies are also given the assistance of grant money.

Choosing The Right Grant

It can be time consuming and frustrating trying to locate the right grant. To prove my point just one look at some of the grant sites out here and you will see what I mean. There are literally thousands of grants grouped by state and sometimes foundation waiting to be claimed. To find the right grant funds requires the right education.

Your main concern at this juncture should be to find a grant that matches your situation. Checking the resource box will give you a solution to this concern. In fact most of your time and effort will be to find suitable grant matches unless you choose to save effort and time and look into the resources in the resource box.

Resources Needed

The federal small business government grant process is very similar to getting a loan from a traditional bank. You will need to provide at the very least tax information, financial reports and business numbers.

It would be wise to locate an accountant who works in your specific corporate industry with related businesses. This will help you construct a grant application whose commerce information makes sense and can actually work. By enlisting the aid of an accountant that is familiar with your industry you will be saving yourself time and unnecessary effort.

Since you will need a business plan as part of the grant process. The accountant mentioned before can also assist you in making sure the numbers in your business plan make sense.

Next on the agenda is to find a competent attorney who has experience in the grant application process. Keep in mind that your own specific grant application may not be big enough to require the services of an attorney. But if it does then don’t hesitate to find one at once.

By finding an attorney who has experience in the grant application process they should be in a place to guide you past common novice mistakes. If they have worked in the industry long enough they should also be able to recommend other needed resources.

The application form has to be supported by various ancillary statements like the financial statements and financial projections of the firm. The application is then processed by the financial institution giving grant. This primarily involves an examination of the factors like ability, integrity and experience of the borrower in the particular business. General prospects of the borrowers business, purpose of grant, and requirement of the borrower and its reasonableness is also taken into perspective.

Once the application is duly processed, it is put up for sanction to the appropriate authority. If the sanction is given by the appropriate authority along with the sanction of grant, the bank specifies the terms and conditions applicable to the grant. These usually cover the amount of loan or the maximum limit of the grant, the nature of the grant, the period for which the grant will be valid, the rate of interest applicable to the grant, the primary security to be charged, the insurance of the security, the details of collateral security, if any, to be provided, and the margin to be maintained.

It is a common banking practice to incorporate important terms and conditions on a stamped security document to be executed by the borrower. This helps the bank to create the required charge on the security offered and also obligates the borrower to observe the stipulated terms and conditions.

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