Proceeds from an SBA microloan cannot be used to pay existing debts or to purchase real estate. Microloans are available through certain nonprofit, community-based organizations that are experienced in lending and business management assistance. Individual requirements will vary. Military Reservist Loan If you have an essential employee who is a military reservist called to active duty, SBA provides loans to help eligible small businesses with operating expenses. Investment Capital - SBIC Directory Find an investor for your business through a Small Business Investment Company (SBIC) licensed by the Small Business Administration (SBA). Surety Bonds The Small Business Administration (SBA) guarantees bid, performance, and payment surety bonds issued by certain surety companies. Grants SBA does not provide grants for starting and expanding a business. SBA provides limited small business grants (detailed below) and grants to states and eligible community organizations to support entrepreneurship. Small Business Grant Programs America's Seed Fund Through the Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs, America’s Seed Fund awards non-dilutive funding to develop your technology and chart a path toward commercialization. State Trade Expansion Program (STEP) The SBA's State Trade Expansion Program (STEP) provides financial awards to state and territory governments to help small businesses with export development. Grants for Community Organizations SBA offers grants to community organizations that promote entrepreneurship, including those that support veteran owned and service-disabled veteran-owned businesses and Small Business Development Centers. What you need to know about small business grants • SBA does not provide grants for starting and expanding a business. • SBA provides grants to nonprofit, Resource Partners, and educational organizations that support entrepreneurship through counseling and training programs. • SBA only communicates from email addresses ending in @sba.gov. If you are being contacted by someone claiming to be from the SBA who is not using an official SBA email address, you should suspect fraud and report it. Refer to Oversight Advocacy for Fraud.
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