Overview
The federal government rarely awards unrestricted grants to for-profit small businesses. Most legitimate help comes through SBA loans, SBIR/STTR research grants, state economic development programs, and industry-specific competitions.
Key federal and state programs
These are legitimate program types. Availability and funding vary by location and year — always confirm current details on official sites:
- SBIR/STTR federal research grants (R&D-focused businesses)
- State small business grant and incentive programs
- SBA 7(a), 504, and microloan programs (loans, not grants)
- USDA rural business programs
Who may qualify
Eligibility rules differ by program and state. Common factors for this topic include:
- Registered U.S. business in good standing
- SBIR: for-profit with principal researcher employed by firm
- State grants: industry, location, and job-creation requirements vary
How to apply
Use only official government websites and portals. Federal agencies do not charge application fees for standard benefit programs, and no one can guarantee approval. Follow these steps for this topic:
- Search your state economic development agency grant portal.
- Review SBIR.gov if you conduct qualified R&D.
- Meet with a free SBDC or SCORE advisor before paying any consultant.
Avoid scams
Protect yourself when researching assistance programs:
- Federal agencies do not charge application fees for standard benefit programs.
- Verify every program on an official .gov website before sharing personal information.
- Be wary of social media ads promising "guaranteed grant approval."
Official government sources
Verify program details, deadlines, and eligibility on these authoritative websites: