Woodworking Small Business Grants

————Frequently Asked Question————
How can a Deaf person get a grant to start their own business?

I used to be hearing, I was a certified sign language interpreter for 28 years, until last year when I went deaf. I can no longer interpret, obviously, and for my own financial stability, would like to start a small business utilizing my and my husband’s crafts (we are both quite talented–myself with soft sculpture, sewing and quilting, he with welded art and woodworking.) I would like to know what is out there in the way of grants that would help me get started. Any suggestions?

There are a number of government grants available to the disabled — but not for starting a business.

It is hard to find grants to start a business — whether male or female, whites or minority, abled bodies or disabled bodies.

Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business.

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 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

I suggest you read the following books to get ideas of how to finance your business:

Financing Your Small Business http://www.amazon.com/exec/obidos/ASIN/1572484500/powerhomebizguid
Small Business Financing: How and Where To Get It http://www.amazon.com/exec/obidos/ASIN/0808007386/powerhomebizguid
Financing the Small Business: A Complete Guide to Obtaining Bank Loans and All Other Types of Financing http://www.amazon.com/exec/obidos/ASIN/1580626815/powerhomebizguid
The SBA Loan Book http://www.amazon.com/exec/obidos/ASIN/158062202X/powerhomebizguid
Angel Capital : How to Raise Early-Stage Private Equity Financing http://www.amazon.com/exec/obidos/ASIN/0471690635/powerhomebizguid
Financing Your Small Business (Barron’s Business Library Series) http://www.amazon.com/exec/obidos/ASIN/0764124897/powerhomebizguid

For private grants, you may want to check the Foundation Center’s Foundation Grants for Individuals Online http://gtionline.fdncenter.org . 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.

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The Canadian government offers funding opportunities for small business owners. The government has an annual budget for small business loans and grant programs. So if ever you need funding and more capital for your business, all you have to do is to apply for Canadian government grants. But there is also another option open for you. You can get government funding by applying for official loans. In most cases, it would be easier to acquire a government loan instead of grants. But there are also cases when grants can be more favorable for your company.

There are several types of government loans. You can apply for a low interest loan or a no interest loan from the financial institutions of the Canadian government. Because these are obligations, there are some forms of repayments that have to be made. For example, the financing institution that extended the loan may require you to pay certain percentage of the principal every month. There are also loan programs that will collect repayments once your business starts earning. The terms and conditions for each type of loan can vary from one institution to another. So you have to read the terms of loan programs carefully and find out which one would be best suited for your company.

Canadian government grants, on the other hand, do not require repayment. In the cases of grants, the government extends special assistance for special sectors and promising businesses. Grants are very favorable for your business because these are free money that you can use to start or expand your company. However, applying for Canadian government grants is more difficult than applying for a loan. You also need to show proof that your company has the right fiscal capability to wisely handle government funds. In lieu of repayments, the government will monitor the disbursement and use of the funds and will require you to submit progress reports. The good thing is that government grants offer substantial funding amount which will really boost the capitalization needs of your company.

It is up to you if you want to choose government grants or a government loan. Both programs are beneficial for your business. In fact, you should explore these two programs so you can find out if your company will qualify for a loan or for a grant. There are also funding opportunities where the Canadian government will guarantee your loans from the commercial banks or lenders. In other cases, the Canadian government will invest in your company by infusing additional capitalizations. These are variations of the overall grants programs of the Canadian government. They are principally designed for your business so you should take advantage of such programs in order to improve your capital reserves.

The Canadian government offers two types of assistance for small business owners. You can get a loan with easy repayment terms or you can apply for a grant where the Canadian government will extend official assistance for your business. Both options are advantageous for your company. Just choose which one would be best suited for your company’s needs.

12390 Grant Road

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