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A Complete Directory of U.S. Small Business Grants

By Amanda Smith on June 1, 2018

If you ever hear someone promising you “free money”, it’s probably a scam.

Unless it’s a small business grant.

Grants really are free money, but they come with a hidden cost: a) the time it takes to find a grant that you qualify for, b) the time it takes to go through the application and waiting process, and c) the restrictions of using the money in the way grant prescribes

We can’t help you with most of that, but we have compiled every available grant database into one spot, with some directions on how to apply, and win.

What are small business grants?

Small business grants are funds given to a business by an organization for a specific purpose. Grants are available to businesses during their startup phase, company expansion, and for research and development.

Unlike small business loans, grants don’t need to be repaid, and they won’t hurt your credit score

But grants do come with restrictions—the money has to be spent in a particular way as outlined by the grant provider. And if you don’t play by the rules, there could be penalties.

The different types of grants

There are two main types of grants: government, and private.

To find federal and state grants, you can browse government databases based on your location and industry. But these are often paid services that are poorly organized and outdated.

There are also private grants awarded by corporations that are available to small businesses—usually with less rigorous application requirements, but more competition for funds. Unfortunately, The Internet hasn’t invented a one-stop database that where you can search for every kind of grant.

So we’ve compiled a list of the top government and private grant databases to peruse below, complete with quick navigation links.

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How to apply for (and win) a small business grant

If getting free money was easy, everybody would be doing it. The lengthy application process deters many business owners from applying for funding—but even if the pool of applicants is small, the competition is high. If you find a grant that seems like the right fit for your business, it’s important to stand out from the rest.

  • Pay close attention to the stringent requirements of each application before you start the process. Are you a minority-owned business? Check. Focused on a positive environmental impact? Check. In operation for over three years? Hmm. If you’ve only been in business for two, you’ll have to wait until next year. Don’t try to fudge the truth—you’ll end up wasting valuable time and effort.
  • Read over the application and provide complete and accurate information. An incomplete application may not make it through the screening process. Follow the instructions to the letter—if a section asks for a maximum of one page, don’t write one and a quarter.
  • Reach out to the grant officer and get a sense of what they’re looking for. What are their needs? Timing? Constraints? The more you know, the better.
  • A well-crafted business plan will be required. Make sure it describes why your business will be successful, how the funding will strengthen your business, and how you’ll fulfill the specific goals of the grant.
  • Follow up with the grant officer after you’ve submitted your application—it’s okay to keep in touch in a non-intrusive way. Ask if they have any questions or concerns that you can address.

Federal small business grants

Federal agencies distribute several grants to small businesses in specific industries like scientific research, technology, and conservation. Government grants don’t cover the cost of starting up a business or operational expenses. Instead, they place a focus on research and development. is the official access point for grants administered by government agencies. It’s comprehensive with a lot of information on the federal grant process. Start your search for grants and check “small businesses” in the eligibility box. To read the full eligibility for each grant and apply through, register an account first.

Follow these steps to apply for a grant through is a list of creative, technical, and scientific competitions and prizes run by agencies across the federal government in order to drive innovation. Search through open competitions and click “sort” to filter results by type of challenge, prize amount, and host agency. If something catches your attention, register for an account to participate and submit your entry.

Click here for the full guide on how works and how you can participate.


GrantWatch is a website to locate funding through federal, state, local, foundation, and corporation grants in the U.S. and Canada. Filter your search for small business grants or go to the specific section for businesses. Before seeing the full eligibility for a grant, you’ll have to pay to become a member.

Browse grants for small businesses on GrantWatch and click here to sign up.

Small Business Innovation Research (SBIR) Program

SBIR is a competitive grant program that encourages small businesses in the U.S. to engage in research and development for federal agencies. It’s an awards-based program for high-tech innovation, overseen by the U.S. Small Business Administration (SBA). To qualify, you must operate a for-profit business with less than 500 employees and fulfill all eligibility requirements.

Browse “solicitations” posted by federal agencies and filter by program, agency, or phase. Click any headline for further details on how to apply.

Small Business Technology Transfer (STTR) Program

The STTR program is another competitive grant program that expands funding opportunities for innovation research and development for federal agencies. Both the SBIR and the STTR programs encourage research partnerships, but STTR requires each applicant to collaborate with a non-profit research institution during the first two phases of the program. To qualify, you must operate a for-profit business with less than 500 employees and fulfill all eligibility requirements.

See a list of solicitations posted by federal agencies and filter by program, agency, or phase. Click any headline for further details on how to apply.

State small business grants

Federal small business grants are limited by industry and in number, and they’re often very competitive. Don’t feel discouraged—look for grants at a state or municipal level for access to a wider variety of lesser-known opportunities. Below are some places to start looking, but we recommend doing a deep dive into what your own state and local area can offer.

Economic Development Administration (EDA)

The EDA is a U.S. Department of Commerce agency that offers grants, resources, and technical assistance to encourage entrepreneurship and innovation. Discover grant opportunities and search for your state’s agency—each one helps local small businesses find financing, secure office space, and recruit employees.

Click here for the full breakdown on how to apply for an EDA grant.

The State Business Incentives Database

The State Business Incentives Database is a national database for economic developers, business development finance professionals, and economic researchers. The Council for Community and Economic Research (C2ER) created it to provide data on incentive programs from all U.S. states and territories. Before you register, read the membership benefits and pricing to decide if this is right for you.

Use this guide for database information and how you can access its features.

Small Business Development Centers (SBDCs)

Your local SBDC provides support for small businesses and aspiring entrepreneurs throughout the U.S. by helping existing businesses remain competitive in a competitive market. Often associated with the state’s economic development agency, your SBDC can help connect you with financing, networking opportunities, and business mentors.

Use this portal to find the nearest SBDC to you.

Corporate small business grants

You can look beyond government grant programs and focus on corporate-sponsored funding. Large companies, like FedEx and Visa, will often provide a hefty sum to small businesses for entering (and winning) a contest or pitch competition. Bonus: even if you don’t win, there’s the potential of a runner-up prize or publicity for your business.

Pro tip: do some industry-specific research on the top names in your area of business. Although more obscure and harder to find, some companies will fund small businesses who are tailored specifically to their industry.

FedEx Small Business Grant Contest

The FedEx Small Business Grant Contest provides a top prize of $25,000, along with funds towards print and business services. The contest is open to for-profit businesses in operation for at least six months with no more than 99 employees. Read the full rules and eligibility.

The next contest opens February 2019. Click here to learn about what you’ll need to prepare to enter.

Visa Everywhere Initiative

The Visa Everywhere Initiative is a global innovation program that encourages small businesses to solve payments and commerce challenges. The program has raised over $2 billion in funding and chooses four finalists to present at the Visa Payments Forum each year.

Watch this video of past pitches and visit the Visa resource center for information on how to apply.

National Association of the Self-Employed (NASE)

If you’re a member of NASE, you can apply for their small business grants. One grant is awarded per month up to $4,000. Login, set up an account, and read the grant guidelines before you start your application.

Click here for more information on the NASE grants and how to become the next grant recipient.

Patagonia Corporate Grant Program

The corporate grant program at Patagonia gives between $10,000 and $20,000 of funding to innovative organizations that work to preserve and protect the environment. Read the grant guidelines for more details on whether your small business meets the requirements.

Click here and follow the portal when you’re ready to apply.


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Demographic-specific small business grants

If you’re a woman, veteran, or minority business owner, there are financial incentives funded by corporations, special interest groups, and the U.S. Small Business Administration (SBA) that aim to help underrepresented demographics.

InnovateHER Challenge

The SBA hosts an annual competition called InnovateHER for businesses with a marketable product or service that positively affects the lives of women and families. To participate, you must first enter and win a local challenge to advance to the national semifinal round. Last year, the top three national finalists won $40,000, $20,000 and $10,000.

Although the 2018 challenge hasn’t been posted yet, stay updated through this resource from the Office of Women’s Business Ownership.

Eileen Fisher Women-Owned Business Grant

The grant program by women’s clothing retailer Eileen Fisher awards a total of $100,000 to up to 10 female business owners each year. Women must make up at least 51% of your business’s ownership and leadership, and you have to be in operation for at least three years, earn less than $1 million in annual revenue, and be focused on environmental or social change.

Read the program guidelines for more information on how to apply.

Veteran Small Business Award

The Veteran Small Business Award provided by StreetShares Foundation awards up to $15,000 to veterans or spouses of veterans that own over 50% of the business. It’s mission is to inspire, educate, and support veterans as they start small businesses.

Read the full terms and conditions for eligibility and application guidelines.

First Nations Development Institute Grants

The First Nations Development Institute is a non-profit group that has successfully provided grants totaling over $29 million to projects that help Native Americans, Alaska Natives, and Native Hawaiians.

View a list of available grants and stay in touch with new opportunities through their newsletter.

If you’ve given up hope that there’s a grant out there for you, don’t worry. There are lots of other small business funding options. To explore your options, check out How to Finance Your Business: The Four Most Common Ways.

This post is to be used for informational purposes only and does not constitute legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Bench assumes no liability for actions taken in reliance upon the information contained herein.

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