Where can my husband and i apply for grants,loans,funding?

we would like to get our business started? but we dont know how?
where can we apply for grants, funding?also is there any programs that fund janitoral equiptment?

You can apply for a small business loan through Small Business Administration http://www.sba.gov Read through their financing section to know the eligibility requirements and process.

It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.

Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.

Even if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently. But still the info is the same - hardly any grants for starting a for profit business.

Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html...

"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."

Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.
http://12.46.245.173/pls/portal30/CATALOG.BROWSE_BENEF_RPT.show

Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program

Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs

For private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online. It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices." Entrepreneurs are apparently not one of them, so I take it they also don't have listings of private foundations who give grants to would-be entrepreneurs.

http://www.cfda.gov
http://www.grants.gov
http://gtionline.fdncenter.org
http://www.powerhomebiz.com/vol66/grants.htm
http://www.sba.gov/expanding/grants.html

Try the Better business Bureau

Most grants do require an initial outlay. But it might be good to check out the net for companies that are BBB listed to help you draw up a proposal for interview. They will also help you get in touch with the right people. You must have all your expected costs and est. financial earning's , .....etc.

thy have Gov >grants loans big or small . and some of them you don't have to pay back.

check your bank or go on the web and just see what turns up on google search.

check out http://grants.gov

Check with a local bank. The commercial lender will know who to get in touch with at the SBA. There are loans for small businesses that are subsidized by the government. Some communities have a local office, and they can help you come up with a business plan. When applying for any loans or grants, you will need a business plan and capital. Good Luck!! Be prepared to fill out a lot of financial documents and your tax returns from the last three years ready, especially if you apply for an SBA Loan.

http://www.businesstown.com/gettingstarted/index.asp
http://www.powerhomebiz.com/guide/cases/shirleyisabel.htm
These website lets you know step by step how to develop and start your own small business. From getting loans to running the buisness, it's a good resource to start with.

http://www.fedmoney.com/grants/b0013.htm
This is a list of all the federal grants available for small business. Try it!

http://www.dekalbcountyfoundation.org/2006.htm
This website has grants specifically designed for Janitorial equipment, but it's located in Illinois.

usgovinfo.about.com/library/weekly/blsta... try this?

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