FIND and APPLY for Federal Grants. The U.S. Department of Health and Human Services is proud to be the managing partner for Grants.gov, an initiative that is having an unparalleled impact on the grant community.

Apply For Free Online Grant Money:

The US government has set aside billions of dollars as government grants to help the population tide over economic crisis,and These grants are not to pay off credit card debt or personal loans and any site which asks you to pay for information regarding government grants for credit card debt is dubious. Many loans and Grants are available like education grants,single mother grants,grants to pay bills,car grants nad loans,home grants,home repair grants,federal grants money,minority and disability grants and more.It is not advisable to pay someone for information about the grant applications and their eligibility, as the same information is available for free here.....Find Out More About Grants!!


Government Grant Money For Individuals:-
Grant for Education
Government education grants are given to students from low income families to help them get a higher education. There are several grants for individuals looking to continue with their education, like Pell Grant, SMART Grant, Academic Competitiveness Grant, TEACH Grant, etc. Each of them have their individual eligibility criteria and the reward also varies.
One of the basic requirements for applying for these government education grants is filling the Free Application for Federal Student Aid form. Detailed information regarding each education grant is available on the federal student aid website, you can also contact the financial aid office of a college near you to get further information.
Grants for Business
Most of the government business grants are for non-profit organizations and institutes working on projects that will help develop the community. Business ventures that plan to work on agriculture technology, renewable energy, or energy efficiency projects get government funding. The Catalogue of Federal Domestic Assistant (CFDA) website has details regarding government grants for small business, federal financial and non financial assistance programs.
Once you have identified the grant which has an eligibility criteria which you qualify for, note the CFDA number and then access the government grants site for on-line applications. If you are wondering how to apply for free government grants, the CFDA website is a great resource and it will also assist you with writing a grant proposal.
Grants for Medical Bills
There are some government grants for medical bills and the information regarding these grants is available on the US Department of Health and Human Services website. Also, check the Centers for Medicare and Medicaid Services website for free online applications regarding programs that offer financial assistance to low income families and senior citizens for medicines.



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Wednesday, 4 March 2015

Free Small Business Grants Money For Minority Business Owners

Free Small Business Grants Money For Minority Business Owners


Financing and initiating a business is a challenging task, especially with limited capital or inadequate savings. For minority small businesses, finance poses as a big hurdle for the growth and expansion which over the years restrict their further development. The U.S. government thus, offers various free minority business grants money that provide financial assistance and boost minority group entrepreneurs to establish and grow their businesses for the overall benefit of the economy.
Grants For Minority Small Businesses
Small Business Administration Grant
The SBA 8(a) Business Development program helps minority-owned firms, offering them business development assistance, training, workshops, counseling, professional and technical guidance, management, offers contracting opportunities and managerial assistance. This provides a perfect platform for the minority firms to gain a competitive position in the federal market. 
Minority groups such as Hispanic Americans, Asian Pacific Americans, African Americans, Native Americans and Subcontinent Asian Americans can qualify for these SBA 8(a) programs providing suitable and extensive evidence or documents demonstrating discriminated or disadvantaged background. Applicants for the program may also include Indian Tribes, Alaska Native Corporations, Community Development Corporations and Native Hawaiian Organizations.
The SBA 8(a) program also offers its subset, Mentor-Protegé program that also provides technical and managerial aid, subcontracting and joint venture opportunities for a successful completion of federal contracts.
USDA Grant
The U.S. Department of Agriculture (USDA) lends funds to the rural community grantees through the Rural Business Opportunity Grant. This given monetary award $150,000, offers technical aid and training to the nonprofit corporations, cooperatives or American Indian tribes operating a new or continuing business for the benefit and profit of their associates.
State Grants
Several state grants are also rewarded to the minority small business owners through programs like the Iowa Department of Economic Development. The grant offers fund up to $50,000 along with assistance for the minority business plan. There are certain eligibility criteria to qualify for the grants:
  • The business should have been functioning for a minimum of three years
  • Less than $4 million should be its annual income
  • The owner should be a first-time owner
  • Disabled people, minority people and women must constitute or own at least 51 percent of the business
National Minority Supplier Development Council (NMSDC)
Small eligible businesses should reach out to the National Minority Supplier Development Council (NMSDC) for getting minority business certification. NMSDC is a non-profit organization which provides business opportunities and assistance in selling goods and services for minority businesses of all sizes. This organization has almost 3500 corporate members and few of them include global brands like Xerox, FedEx, GE, Wal-Mart, Volkswagen and Time Warner.
Created with the purpose to augment minority business opportunities, NMSDC helps in the linking of minority-owned businesses and corporate America. This in turn boosts in overall growth and functioning of the firms.
Application Process: Getting NMSDC's certification for minority-owned businesses is little difficult. The NMSDC has over three dozen regional councils in U.S, situated in major cities. The certification process needs to be applied to these councils for the qualification procedure by the entrepreneurs. The various clauses to be fulfilled and criteria to be met are:
Business must be for-profit only and located in the United States. They must be managed, controlled and at least 51% owned by any member of a minority group belonging from African American, Asian-Indian, Hispanic, Asian-Pacific or Native American heritage. Once the application is reviewed, the NMSDC conducts interviews and on-site inspections for validating the accuracy of the information provided on the application. If the applicants fail to receive certification they can appeal within 30 days and in case of a denial for the second time, the business owners can only apply after 12 months.
Minority small business owners have more options to approach like the Amber Foundation Grant, Georgia-Pacific Grant, The National Minority Supply and Diversity Council, Operation HOPE, Brotherhood Business Development & Capital Fund, FAME Renaissance and others for grants, loans funds and assistance. Look for your required grants and apply for a flourishing and successful business.



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Saturday, 28 February 2015

How to Apply For Small Business Grants Money Online-Application Tips

How to Apply For Small Business Grants Money Online-Application Tips


Starting an individual business might sound risky but the thought of financial independence, self-employment and empowerment makes one feel inclined towards it. Well, if you are also keen on establishing your own business, then you have multiple free grants money to apply for the financial constraint that you face.
The U.S. government has funding resources, grants and loans for enthusiastic entrepreneurs seeking to start their small business. Follow the tips and procedures to qualify and become eligible for the grants.
Tips and Procedures to Apply for the Grants
Applying and qualifying for a grant either through the government or a private foundation, it goes through a series of critical processes hence, requires proper planning and preparation of every step.
A strong business plan: go for it at the very beginning. Ensure that it covers everything in details-startup costs, capital for the investments, your mission, vision, purpose of the business, managerial concerns, marketing requirements, financial prerequisites and your planning for at least next 5 years. You can refer the Small Business Administration's website for your business plan.
A thorough research: a thorough research of all the leading granting organizations, both private and federal, is a must. You can search the Grants.gov site for all the government grants. Read through to ensure whether you will qualify for the grants. Be aware of scam sites, make sure the sites your research is genuine.
Note the deadline: For eligible grants the applications are supposed to be duly filled and submitted within the deadlines as late applications are not accepted.
Arrange all paperwork: Make a note of all the credentials and business documentation required to complete a business grant. Some of these documents include businesses' EIN, bank details, financial analysis, prior tax returns, audited financial statements, local and state licenses or registrations etc. Moreover, letters of recommendations will be a necessary from renowned and respected business people.

Make an interesting grant proposal: A grant proposal should be professionally made and must be interesting at the same time. It is important for the proposal to be an exception in comparison to hundreds of other proposals reviewed by the Grants Panel. There are plenty of materials available online for consultation or a professional grant writer can also be hired. The proposal must include:
·         Complete full description of the business organization
·         Its mission, vision, offerings, objectives, products, services and role
·         Explanation about the ways, your business will fulfill the goals of the granting organization
·         Budget, financial statements, summary of the planning to use the grant money
·         Professional biographies of the team and yourself
Select and research on a grant program: Select grant programs suitable for your need, business or personal. Thorough research of all the organizations providing grants must be done by compiling a list of all the grant programs, organization's name and contact. Pick the grants which are closest to your needs. Once you select the organization, look for news articles, press releases and materials related to it to gain a better understanding of its funding aspects, its purpose and procedures of work.
Contact the organization: Get in touch with the representatives from the granting organization directly and clear all the doubts on various queries related to the proposal process, submission formats if any and any key areas of interest that the organization might have. There also may be special grant opportunities available for your small business plan.
Submission of the proposal: It is very important to have an error free grant proposal. Try to follow all the necessary instructions and follow all the desired formats and get your proposal proofread by an editor for any mistakes. Submit the final copy to a designated recipient or your contact. It is better to include a cover letter with a brief introduction to you and your company and make sure the application in submitted before the deadline.
Why wait then? Apply for the small business grants, follow the tips and get qualified for the grant that helps you build your dreams into reality.





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Tuesday, 24 February 2015

Ways to Apply For The Government Grants Money Online

Ways to Apply For The Government Grants Money Online


The U.S. government offers several awards, loans and grants to its citizens, organizations, associations, universities and also to individuals as a financial aid to fund their projects, programs or endeavour for a better and developed community. These funds or grants are offered on eligibility basis hence, it’s tough to qualify for them. The process of application is lengthy and requires accurate credentials, information, paperwork, previous records, financial status, bank balance and so on. 
One thing to be kept in mind is; these grants are never to be repaid and come with no interest therefore; there are thousands of people applying for them. If you too are in need of these grants then strictly adhere to the appropriate ways for application after thorough online research or you may also ask for assistance from government officials in your state or city.
First and foremost, for all online applications the best government site is Grants.gov. It’s a government site with exhaustive information about grants. 
Choose and decide about the grant you wish to apply for calculating it on the basis of your needs and work to accomplish. Then visit the Grants.gov site, key in your search term or the grant you wish to apply for and click the search button. Also, jot down the Funding Opportunity Number of the federal grant.
Now look for your eligibility areas to qualify for the grant. Check all the required documents, credentials, records and other nitty-gritty. Make a thorough research for every detail, it’s IMPORTANT. Also make a note of the deadline for submission of applications. The search can be done following any option: 
Search by keyword
Search through government search codes
Search through category of funding
Search by looking for one of the 26 federal agencies
Search by opportunities 
First read the synopsis of the grant to assess if it is apt for you. Now that you have selected it, download the grant application package that includes all the instructions with mandatory fields mentioned.
You have to register with Grants.gov. Individuals must apply for individual grants section only while organizations need a DUNS number i.e. The Dun and Brad-street (D&B) Data Universal Numbering System (DUNS) number which is an identification number of nine digits. 
Moreover, Organizations need to register at www.ccr.gov with the Central Contractor Registration (CCR). To complete the registration process, organization need to have Taxpayer Identification Number (TIN) or Employment Identification Number (EIN). Have your own username and password.
Writing a good proposal letter is also an important aspect since an individual needs to justify the need for the grant money and also its usage. This letter plays an important part in securing such a grant, without a good explanation the application may even get rejected. So, take the pain to write it.
Before submitting your application keep the following in mind:
That all the required documents, credentials and papers are attached
They are all verified and are arranged as per requirement
Attachment file names should not have -, &,*, /, #, or periods, any special characters, accent marks or blank spaces. You can use underscore
Compress file in case of audio, video or image
When you submit look for the applicant’s name and track number. It’s essential
Keep a track and do your follow ups. Within 2 working days of submission you will be notified in your e-mail by the Grants.gov, one for receiving the application and second to appraise about validation or rejection of application. If accepted then you will receive 2 other e-mails of the concerned agency receiving the application and a personal tracking number. 
You can track your application through "Track My Application" on the left navigation bar of Grants.gov.
The grant registration must be kept current as an inactive account is cancelled after a year.
There is no limit to application for free grants. So, don’t be disheartened if denied, you can always reapply following the correct procedures and instructions mentioned.



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Apply Free Government Grants Online For Small Business Start-Up

Apply Free Government Grants Online For Small Business Start-Up


The U.S. Federal Government has set aside funds and resources for small business enthusiasts seeking to start up their business. Initiating a business can be an exciting experience but requires a stable financial condition to venture into the world. The government realizes your needs and hence has initiated funds for low-income people or those with financial constraints to help accomplish their endeavor and dream.
So, are you looking to start your small business? If yes, then there are certain facts that require attention. The U.S. government only offers small business federal grants to 501C3 non-profitable agency set up for charity work and not to private businessmen for profit purpose. However, the government offers certain federal resources for qualified small businesses under the U.S. Small Business Administration (SBA). Initiated in 1953, it is the federal agency facilitating American citizens to build, start and expand businesses. Nevertheless, you can acquire low-interest loan, venture capital programs, and surety bond through the private sector lenders as there are no grants for private businesses.  
Loans Programs by the Small Business Administration
Through the government does not offer any grants, it offers assistance in planning a business and also ways to secure small business loans certified by SBA Some of the loans that can be availed are:
Basic 7(angel) Loan Guaranty Program: For start-ups and small businesses the loan can be used for purchasing machinery and equipment, purchase, furniture, renovation and construction of building and land, leasehold improvements or even debt refinancing under certain conditions. Maturity for such loan is usually up to 25 years in case of fixed assets and 10 years in case of working.
504 Loan Program: small businesses can acquire fixed-rate financing for a long term to attain machinery, equipment for development or real estate. Certified Development Company (CDC) offers these loans.
Disaster Recovery Loans: the U.S. Small Business Administration offers financial aid for recovery if you are a declared victim of disaster. You can apply for these loans as a renter, homeowner and also an owner of personal property.
Microloan 7(m) Loan Program: it is allocated to non-profitable childcare organizations and small businesses requiring modest financial aid to start-up or to expand their work. up to $35,000 short term loan amount is offered for inventory, working capital, fixtures, equipment, furniture, machinery or supplies. Though not directly given by SBA to individuals, the loan is offered by non-profit community-based intermediary agencies to qualified small businesses.
Surety Bond Guarantee Program (SBG): the SBA offers surety bonds to small businesses that cannot be obtained otherwise. These surety bonds act as insurance, safeguarding the project owner against in completion of a project by a contractor. Surety bond is necessary for state, federal and city construction grants in advance to avail the grant money. Here too, the SBA does not directly offer the surety bonds but offer through surety companies.
Venture Capital: Another good option for small businesses along with loan and surety bonds is obtaining venture capital. The SBA's New Markets Venture Capital program (NMVC) helps small businesses with cash investment in exchange for a percentage ownership of the business. The investment funds received from the capital funding can be used by the businesses to employ local residents within the low-income region.
There are certain criteria to qualify for the venture capital:
  • The value of the business must be less than $6 million
  • As per previous 2 years’ record the profit from the business must be less than $2 million
  • Poverty rate of the country where the business is must be minimum 20%
  • Low-Income Housing Tax Credit must be received by 50% or above residents in a metro location
  • In comparison to state's median household income, a rural area’s median household income must be less than 80%
Loan Pre-qualification:  this program facilitates SBA to analyze and approve loan applications amounting to $250,000 or less before approaching lenders for sanctioning it.
The federal government, instead of paying all these loans directly, guarantees them that are given by lending institutions to qualified businesses. This in turn helps businesses to qualify with ease for the loans.  If you too dream of starting up your business, apply for these loans today through online procedures.



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Wednesday, 19 November 2014

Apply Free Education Pell Grants Money Online Programs

Apply Free Education Pell Grants Money Online Programs

You'll find methods lower the volume of college loans you need. When you're approved at a certified college or university or city college, consult with the financial aid department. There are lots of scholarships and additionally grants which are based upon cash flow and may make it possible don't demand as high  college students financial loan.
All the free Pell grants money belongs to the government services virtually all colleges quickly file for college students. The highest grant is over 5 thousand dollars. Nevertheless, not all college students will receive the highest amount. A lot of elements are viewed whenever a student applies.
With couple of exclusions, part time student have to be taking at the very least a 50 % of time pack.One other thing that is considered is the precise university or college costs for equally college tuition and novels.
Compared with  college student financial loan, a fabulous Pell grant is actually that, a fabulous grant. It is under no circumstances returned. It is up to individual association regarding how cash is used. You can choose to receive a check or get it implemented instantly to your college costs. The variety of possibilities would be spoken about within student and financial aid officer. National law requested funds to be generated no less than twice in every academic year.
One more issue to look at whenever requesting a Pell federal is the kind of school. State universities and colleges in many cases are more cost effective when compared with exclusive faculties. free Pell grants money are accessible to Colleges or universities, exclusive universities and community institutions. The community university program is normally the most affordable and can be used to bring in Associate degrees and provide the majority of the 'tokens' then be used to a fabulous four-year institution. Using the Pell federal grant to pay some of these costs the student can thus attain a college degree that can be used to secure career that can afterwards be used to the ongoing training process.






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Monday, 17 November 2014

How To Apply For A Free Government Grants Money Online

How To Apply For A Free Government Grants Money Online

It is so easy to apply for a free grant online and the choices are abundant. You can find grants for your own personal use or grants for housing, single mothers, education, research, new businesses and a lot more government grants online. The government offers these grants for free and you do not have to pay it back. Here is some information that will help you when applying for these grants:
If you were to just type "grants" for a search online, every company offering every type of grant will be the search results you get. Before doing a search, decide what type of grant you want to apply for and then type it and do your search; for example, if you want to apply for a housing grant, then type "housing grant" and click on search.
You should have all the necessary paperwork and documentation ready for the grant that you want to apply for. You can find several websites that have the required paperwork.
Writing a proposal letter is very important; it basically explains why you need the grant money and how you will use that money. How well you write this letter is going to either help or hurt your chances of getting the money, so take your time and make it good.
In your online search for free government grants, keep in mind that not all the websites are regulated by the government. You will find that some sites will just basically point you in the direction you need to go to apply, while others will have all the necessary information you need to apply. These other sites could be non-profit organizations or foundations.
You can apply for as many free grants as you want; there is no limit. If your application gets denied, just apply again. All the requests for free grants money are reviewed manually, so, your second request could be the lucky one for you.
When deciding to find a grant, the first place you should look is the government grants, as they are also the easiest ones to get. Free applications for grants are everywhere online and you can get a grant for almost anything you can think of. If this is something you have been wanting to do, don't wait any longer; get started today and, before you know it, you will have that grant. Free government grants money online are available; you just need to ask for them. 







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Wednesday, 12 November 2014

Apply For a Personal Grant Online For Free To Pay Off Bills

Apply For a Personal Grant Online For Free To Pay Off Bills


While the $80 billion in government grant money that is given away every year mostly goes to student and businesses, free personal government grants can be claimed to help individuals reach their personal goals. 
Whether you want to get out of debt, start your own business, buy a new home or go back to school, there is federal grant money available that you may qualify to receive.
The great thing about free personal government grants is that those who receive these funds obtain tax free dollars that never have to be paid back. 
As long the cash grant that you are awarded is used appropriately, then the money is yours to keep. In other words, don't violate the terms of the grant or you may be asked to repay the funds.
For example, if you apply for and receive a grant to help with a down payment on a new home purchase, don't expect to get away with getting yourself a new car.
Likewise, if you obtain an education grant, make sure you are allowed to spend the money on books and housing in addition to your tuition. Each grant program has different terms and restrictions, and it is important that you clearly understand those guidelines.
What many people don't realize, however, is that grants are not only provided by the government. Private foundations and other organizations receive tax incentives by offering free grants money to individuals
By accessing and thoroughly an online grant directory, you can find these funds that often go unclaimed. As a result, you may be able to put yourself in a position to obtain free personal government money grants that never have to be paid back.






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