Loans & Grants

We are compiling relevant tips and resources and information on new funding opportunities and policy developments that we are sharing on our website and through online presentations. We will be posting daily updates to this page with useful information about the ways small businesses can prepare for the impact of COVID-19 on their business and community.

Nonprofit loan/grant programs
California

Working Solutions

Small Business Revolving Loan Fund

Working Solutions is pleased to announce the launch of a new Small Business Revolving Loan Fund to serve San Francisco’s District 10. In partnership with Renaissance Entrepreneurship Center, the Fund will provide affordable capital and free business consulting to businesses located in Bayview Hunters Point and other D10 neighborhoods (94124, 94134, 94107, 94103, 94110). Funding for this program is made possible by the D10 Implementation Committee. Applications will be accepted on a rolling basis.

Area served: California
Audience: Small Business Owners

Application deadline: Open, no end date posted
Local government loan/grant programs
California

City of Stockton

Stocked Full of Produce Grant Program

The City’s Stocked Full of Produce Grant Program addresses food insecurity through grant funding to help with infrastructure upgrades to retail stores, to promote the sale and storage of healthier food options. Grants can be used for improvements, such as installing new refrigeration or shelving. Grant funds are available up to $10,000.

Area served: California
Audience: Small Business Owners

Application deadline: Open, no end date posted
Local government loan/grant programs
California

City of Stockton

Storefront Beautification Micro Grant Program

The Storefront Beautification Micro Grant Program offers reimbursable grants of up to $2,000 for businesses located along targeted commercial corridors within city limits. The program assists small business owners to improve their storefronts with the replacement and/or improvements of windows, lighting, paint, awnings, signage and planters and trellises.

Area served: California
Audience: Small Business Owners

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
California

Jewish Free Loan Association

Gig Worker & Independent Contractor Help And Assistance

Loans for flexible work, freelance jobs, and temporary employment, up to $10,000.

Area served: California
Audience: Self-employed

Application deadline: Open, no end date posted
Local government loan/grant programs
California

San Diego County

County of San Diego Small Business Stimulus Grant

The Small Business Stimulus Grant Program is funded by Board of Supervisors allocated federal CARES Act funding and County General Fund. The grant funding provides economic assistance to help businesses and nonprofit entities impacted by COVID-19. Financial assistance will be allocated to eligible, qualified small businesses and nonprofit entities with final award recommendations made by individual district offices based on the availability of funds, program guidelines, and the submission of all required information and supporting documentation.

Area served: California
Audience:

Application deadline: Open, no end date posted
Local government loan/grant programs
California

Community Vision

California Fisheries Fund

The California Fisheries Fund offers affordable loans to small-scale fishermen, fishing enterprises, ports, and nonprofits.

Area served: California
Audience: Small Business Owners

Application deadline: Open, no end date posted
Local government loan/grant programs
California

California Rebuilding Fund

San Francisco Small Business Recovery Fund

The San Francisco Small Business Recovery Fund is offering 0% loans to businesses in San Francisco.

Area served: California
Audience: Small Business Owners

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
California

Immigrants Rising

Spark

Learn how to leverage your skills, knowledge and experience to make money through freelancing or starting your own business. You must complete Spark's entrepreneurship training to apply to receive funding.

Area served: California
Audience: Small Business Owners, Self-employed, Non-profits

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
California

CDC Small Business Finance

Childcare and Preschool Loan

The Childcare and Preschool Loan can be used to acquire an existing Child Care business, Preschool, or to expand your current operations. In all cases, CDC Small Business Finance will help you assess the situation to identify the right financing to support your growth.


Area served: California
Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
Local government loan/grant programs
California

California Paid Family Leave Alliance

Paid Family Leave Small Business Grant

The Paid Family Leave Small Business (PFLSB) Grant will provide to California Small Businesses of less than 10 employees $500 for each employee who is utilizing the PFL Program, up to a total of $4,500 per small business, to help offset the costs involved with training other employees to cover the duties of this individual on leave. 

Area served: California
Audience: Small Business Owners, Employees, Self-employed

Application deadline: Open, no end date posted

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National Resources

Featured national resource
Corporate loan/grant programs
National

Mastercard

Small Business Growth Fund

The Small Business Growth Fund provides the capital high-growth small business owners need to make their next big move. Each recipient will receive a $25,000 grant, provided by Mastercard, to accelerate their growth and achieve their goals in 2023.

Audience: Small Business Owners

Application deadline: Friday, January 6, 2023
Featured national resource
Corporate loan/grant programs
National

PepsiCo

Juntos Crecemos Hispanic Digital & Delivery Program

PepsiCo invites all Jefas to step into the spotlight and apply for the Juntos Crecemos Hispanic Digital & Delivery Program. Besides getting expert one-on-one coaching and resources, the first 40 Latina small business owners to complete the eight-week consultation curriculum of the Juntos Crecemos Hispanic Digital & Delivery Program will receive an exclusive Jefa-Owned neon sign in honor of your hustle - for everyone to see.

Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
Featured national resource
Government loan/grant programs
National

U.S. Department of the Treasury

State and Local Fiscal Recovery Funds

The Coronavirus State and Local Fiscal Recovery Funds provide a substantial infusion of resources to help turn the tide on the pandemic, address its economic fallout, and lay the foundation for a strong and equitable recovery.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

Association of Women's Business Center, AARP

Upskilling

The Upskilling grant program is for small businesses that intend to train and upskill low-wage workers age 50+, this grant program will reimburse employers up to $2,000-$2,500 per employee for training, provided the grantee meets the eligibility criteria.

Audience: Small Business Owners, Employees

Application deadline: Wednesday, November 30, 2022
Corporate loan/grant programs
National

Wellness Living

StandwithStudios Grant Program

WellnessLiving is committing up to $150,000 in grants, marketing support, software, and business education to 16 fitness studio owners in the US and Canada. Grants up to $5000. 

Audience: Small Business Owners

Application deadline: Thursday, December 15, 2022
Corporate loan/grant programs
National

DoorDash, Hello Alice, Global Entrepreneurship Network

Restaurant Disaster Relief Fund

The Restaurant Disaster Relief Fund supports restaurants impacted by natural disasters like fires, winter storms, floods, and hurricanes and provides relief through $10,000 grants. If you’ve been affected by a natural disaster, including the Montana severe storms and flooding, Arizona Pipeline Fire, Kansas severe winter storms and straight-line winds, don’t wait — apply before the deadline on December 30 at 6 PM ET.

Audience: Small Business Owners

Application deadline: Friday, December 30, 2022
Corporate loan/grant programs
National

AT&T

AT&T Black Future Maker

Black Future Makers are dedicated individuals pursuing greater possibilities for the greater good. Submit a video of 30-60 seconds, or photo, on your Instagram feed explaining how you are pursuing greater possibilities for you and the community. Grants for $10,000.

Audience: Small Business Owners, Employees, Self-employed, Non-profits

Application deadline: Saturday, December 31, 2022
Corporate loan/grant programs
National

Incfile

Young Entrepreneur Scholarship Grant

Are you a student? This grant is for you!  You’ve got big ideas, and we want to turn them into a reality. One young scholar with entrepreneurial spirit will receive $2,500 to continue their education.

Audience: Small Business Owners

Application deadline: Saturday, December 31, 2022
Nonprofit loan/grant programs
National

Restaurant Strong Fund

Restaurant Strong Fund Community Award

The Restaurant Strong Community Award is made possible by the Grubhub Community Fund. Grants will range from $1,000 – $5,000 and will be given out on a monthly basis to "community builders" within the restaurant industry.

Audience: Small Business Owners

Application deadline: Saturday, December 31, 2022
Corporate loan/grant programs
National

Incfile

Fresh Start Business Grant

Are you an aspiring entrepreneur looking to start or grow your business? This grant is for you! Whether you’re starting over or starting from scratch, Incfile wants to be there to help your business succeed. One adult entrepreneur will receive $2,500 to put toward business startup costs and will also receive free formation services from Incfile.

Audience: Small Business Owners

Application deadline: Saturday, December 31, 2022
Corporate loan/grant programs, Nonprofit loan/grant programs
National

Johnnie Walker and IFundWomen

First Strides Grant Program

Together with IFundWomen, Johnnie Walker is continuing to fund, mentor, and champion trailblazing women-owned businesses by awarding 10 businesses each with a $10,000 grant, so apply today.

Audience: Small Business Owners

Application deadline: Saturday, December 31, 2022
Nonprofit loan/grant programs
National

Fearless Fund

Fearless Strivers Grant Contest

Black women-owned businesses are vital to our economy yet receive less than one percent of venture capital funding. Fearless Fund is deepening its commitment to this community with the launch of the contest.

With Mastercard prizing, Fearless Fund will be awarding eleven lucky small businesses across the country $10,000 grants, digital tools to help them get and sustain their business online, and Priceless one-on-one mentorship so they can continue to bolster their business.

Audience: Small Business Owners

Application deadline: Saturday, December 31, 2022
Nonprofit loan/grant programs
National

Movemeant Foundation

BIPOC Fitness Grant Program

Grants are available for female, women of color entrepreneurs actively creating or building businesses and/or programs that aim to make wellness and fitness practices more inclusive to female BIPOC communities - or female-led, women of color non-profit organizations or for-profit businesses that’s purpose is to make wellness and fitness more inclusive to female BIPOC communities. Grants up to $5000.

Audience: Small Business Owners, Self-employed, Non-profits

Application deadline: Saturday, December 31, 2022
Nonprofit loan/grant programs
National

AnnuityFreedom.net

BIPOC Small Business Grant

The BIPOC Business Grant provides resources for small business owners in two ways:

  1. Small business marketing, which supports Black-owned and minority-owned businesses by providing free SEO evaluations, advice, and planning.
  2. Minority business micro-grant, which is a (1) $100 monthly grant. One person is chosen each month from the applications received and are given a $100 micro-grant. A grant winner will be selected on the last date of each month.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

Kiva

Kiva loan

Venturize is partnering with Kiva to bring affordable capital to small business owners during these challenging times. Kiva provides loans of $1,000-$15,000, zero-percent interest and no fees. There is a 6 month grace period and then fixed monthly principal payment (12-36 months). Funds are raised through community-backed crowdsourcing. Kiva will offer Venturize-referred applicants priority review if you apply through this link and mark "Venturize" as the answer to "how did you hear about Kiva." 

Audience: Small Business Owners

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

SoGal Foundation

SoGal Black Founder Startup Grant

Black women entrepreneurs receive less than .5% of venture capital funding. We are standing up to help change that.


SoGal Foundation has teamed up with Winky Lux, bluemercury, twelveNYC, and other sponsors to make a small step towards progress by providing several $10K and $5K cash grants to Black women or nonbinary entrepreneurs. Awardees will also receive tactical help navigating the fundraising environment at large so that they will have a more equitable opportunity at scaling the next billion dollar idea. They will also receive lifetime “ask-me-anything” access to the SoGal Foundation and SoGal Ventures teams.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

Connect2Capital

Connect2Capital Loan

Connect2Capital is an online marketplace of nonprofit lenders. Fill out a short form to get connected to a network of lenders that may be able to help.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

HerSuiteSpot

HerRise Micro-Grant

Each month a $500 micro-grant will be awarded to a for-profit small business owned by women of color. Past recipients used their growth grants for computers, equipment, marketing materials, software purchase, website creation and more.

Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

Amazon

Black Business Accelerator

Amazon's Black Business Accelerator is a grant program aimed to address historical, manifest imbalances by growing and advancing equity for Black-owned businesses. The program offers financial assistance, business education & mentorship, and marketing & promotional support.


Audience: Small Business Owners

Application deadline: Open, no end date posted
National

Intuit

Intuit Aid Assist

Intuit Aid Assist—a free service for everyone—helps U.S.-based businesses, self-employed, contractors, freelancers, and gig workers understand different business relief programs available due to the COVID-19 crisis. Start with a loan eligibility assessment or get an estimate with loan calculators.

Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

The Truist Foundation

Truist NonProfit Grant

The Truist Foundation supports nonprofits with grants that target leadership development, economic mobility, thriving communities and educational equity. Quarterly deadlines, upcoming deadline is November 30, 2022.

Audience: Non-profits

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

Wish Local

Wish Local Empowerment Program

Grants up to $2,000 for Black-owned businesses with a brick-and-mortar shop in the United States and less than 20 employees. If selected for the program, you must join Wish Local (free).

Audience: Small Business Owners

Application deadline: Open, no end date posted
Government loan/grant programs
National

Early Childhood Training and Technical Assistance System

State and Territory Child Care Stabilization Grant Applications

States, the District of Columbia and Puerto Rico will award subgrants to eligible child care providers. The child care stabilization subgrants will provide financial relief to child care providers to help defray unexpected business costs associated with the pandemic, and to help stabilize their operations so that they may continue to provide care.

Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

Community Foundation Public Awareness Initiative

Coronavirus Relief Efforts

325 U.S. community foundations in all 50 states, plus the District of Columbia, have created relief funds to support those affected by COVID-19, directing critical relief to local nonprofits and partnering with local governments and health organizations to help contain its spread.

Audience: Small Business Owners, Non-profits

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

Wish

Wish Local Empowerment Program

You must be a Black-owned business with a brick-and-mortar shop within the United States and less than 20 employees. If selected for the program, you must join Wish Local (which is free). Grants for up to $2000.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

Google and Alphabet

Google Ad Credits

To help address some of these challenges, Google is offering more than $400 million in Google Ad credits to small businesses.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Government loan/grant programs
National

CDC Small Business Finance

Commercial Real Estate Loan

You can use an SBA 504 loan to buy, construct or improve commercial real estate or to purchase heavy equipment. 

Audience: Small Business Owners

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

Amber Grants for Women

Amber Grant

The Amber Grants began in 1998. Today, WomensNet carries on that tradition, giving away at least $10,000 every month in Amber Grant money. We’ve also expanded our grant-giving to include a year-end grant of $25,000.

Audience: Small Business Owners, Self-employed, Non-profits

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

Hivers & Strivers

Venture Capital for Entrepreneurs

Hivers & Strivers' newest fund, Venture Capital for Veterans, invests exclusively in companies led by military veterans.


Audience: Small Business Owners

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

Kinetic Business

Black Business Support Fund

Grants up to $2,500, one year of free Kinetic Business Internet, and a free business consultation.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Government loan/grant programs
National

United States Department of Agriculture

USDA Farm Ownership Loans

No current or previous farm ownership requirements and 100 percent financing available make FSA direct farm ownership loans a valuable resource to help farmers and ranchers become owner-operators of family farms, improve and expand current operations, increase agricultural productivity, and assist with land tenure to save farmland for future generations. FSA’s Direct Farm Ownership loans are used to: buy a farm or ranch, enlarge an existing farm or ranch, make a down payment on a farm, purchase of easements, construct, purchase or improve farm dwellings, service buildings or other facilities and improvements essential to the farm operation, promote soil and water conservation and protection, pay loan closing costs.

Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

IFundWomen

IFundWomen Universal Grant Application

When IFundWomen brokers a grant with a partner, IFundWomen matches the partner’s grant criteria to those businesses who have applied through their Universal Grant Application. If you’re a match, they may request that you apply for that partner’s specific grant program, and you will be notified.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

Mission Driven Finance

San Diego Subcontractor Financing Program

Mission Driven Finance is a private impact investment firm dedicated to building a financial system that ensures good businesses have access to sufficient, affordable capital. They make commercial loans to small businesses and nonprofits committed to doing good in their community.


Could your business make more money if you had additional capital? Are you a contractor or subcontractor who has experienced credit denial that has prevented you from expanding, hiring, and executing on projects?

Mission Driven Finance sees tremendous opportunity to help small businesses grow and access corporate and government procurement spend as they implement supplier diversity programs. Mission Driven Finance ensures that access to capital isn’t one of the things preventing your business from landing—and executing—a big bid.

Their loans don’t require personal credit scores or personal guarantees.


Loans for:

Audience:

Application deadline: Open, no end date posted
Government loan/grant programs
National

United States Department of Agriculture

USDA Guaranteed Farm Loan Program

An alternative loan option for those seeking commercial lending assistance is the Guaranteed Farm Loan Program. Farm Service Agency works with USDA-approved banks and other commercial lenders. You apply for these loans through the approved lender and agree to their terms and conditions. Guaranteed Farm Loans are only available for family farmers or ranchers and must be used for farm ownership and operating expenses.

Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

National Urban League

Black Restaurant Accelerator Program

In partnership with PepsiCo Foundation, the National Urban League, through its 12 Entrepreneurship Centers in cities across the U.S., has launched the Black Restaurant Accelerator Program (BRAP). The BRAP will help address these barriers and take a long-term view by pairing participants with entrepreneurship advisors and PepsiCo employee volunteers to build an actionable plan for growth.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

Inicio Ventures

Generation 1: Equity Fund

Criteria:

-Latinx-Led: At minimum one startup leader who identifies as Latinx/Hispanic and has a substantial portion of equity ownership

-Stage: Early Stage: Pre-Seed, Seed, "Pre-Series A"

-Sectors/Markets: Agnostic

-Type: Traditional startup or scalable impact venture

-Geography: Incorporated in United States

Audience: Small Business Owners

Application deadline: Open, no end date posted
Government loan/grant programs
National

United States Department of Agriculture

USDA Direct Farm Operating Loan

The maximum loan amount for this loan is $400,000. There is no down payment requirement. Interest rates are calculated monthly and are posted on the 1st of each month. The purpose of the loan must be essential to the success of the farming or ranching operation. The funds may be used to purchase equipment, seed, livestock, and other necessities. They can be used to refinance certain farm-related debts (excluding real estate). Repayment terms vary from 1 to 7 years. The length of the loan depends on the amount and purpose of the loan. Collateral is required. Collateral for farm operating loans may be required up to 150% of the value of the loan.

Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

The Freed Fellowship

The Freed Fellowship

The Freed Fellowship helps small business owners get the resources, mentorship, and community they need to build successful companies that make an impact.


Every month, they give one $500 grant to an underrepresented founder in the US to invest in their existing business. No strings attached. No equity required. Grant recipients are also eligible to receive an additional end-of-year grant of $2,500.


If you are selected as a Freed Fellow:

-You will receive a $500 grant. You do not need to repay this money and do not need to give up any equity in your business. You can use these funds however you want to grow your business. The Freed Fellowship asks that you help spread the word by sharing news of your selection on social media and be a guest on the weekly podcast.


Audience: Small Business Owners

Application deadline: Open, no end date posted
Government loan/grant programs
National

United States Department of Agriculture

USDA Microloan Programs

The focus of Microloans is on the financing needs of small, beginning farmer, niche and non-traditional farm operations, such as truck farms, farms participating in direct marketing and sales such as farmers’ markets, CSA’s (Community Supported Agriculture), restaurants and grocery stores, or those using hydroponic, aquaponic, organic and vertical growing methods.

Audience: Small Business Owners, Self-employed

Application deadline: Open, no end date posted
National

IFundWomen of Color

IFundWomen of Color

Apply now to be accepted into IFundWomen of Color, an inclusive cohort of diverse entrepreneurs who will get access to capital through crowdfunding and grants, coaches and mentors with a shared experience, and a private network to collaborate, commiserate, and celebrate with.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Nonprofit loan/grant programs
National

Roddenberry Catalyst

The Catalyst Fund

The Catalyst Fund is offering grants to Nonprofits & Social Enterprises to fund ideas or early-stage projects that have a high potential for large-scale impact and sustainable change. You can be a seasoned social entrepreneur or a first-time changemaker. Eligible candidates for the Catalyst Fund may be individuals, teams of individuals, non-profit organizations, or social enterprises. Grants for up to $15,000.

Audience: Non-profits

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

The Freed Fellowship

Freed Fellowship Grant

Every month, one $500 grant is awarded to an underrepresented founder in the US to invest in their existing business. No strings attached. No equity required. Grant recipients are also eligible to receive an additional end-of-year grant of $2,500.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Low interest loans, Nonprofit loan/grant programs
National

RCAC

RCAC Small Business Loans

RCAC is a 501(c)(3) nonprofit organization that provides training, technical and financial resources and advocacy so rural communities can achieve their goals and visions. RCAC’s Small Business Loan Program assists businesses to retain or create jobs and thus improve the economic condition of rural communities. This program offers short-term loans (up to $250k) for working capital and lines of credit as well as long-term loans for real estate and equipment. Most small businesses rely on lenders to provide the capital they need for acquisitions, capital improvements, business expansions and to bridge cash flow gaps. Without loans, many small business owners would be unable to realize their dreams of running their own business or expanding their operations. RCAC’s business loans are tailored to the needs of the particular business with flexible terms and requirements.

Audience: Small Business Owners

Application deadline: Open, no end date posted
Corporate loan/grant programs
National

Lenovo and Goodie Nation

Evolve Small

Lenovo Evolve Small initiative will be providing $10,000 grants and professional development to minority and woman-owned small businesses in the United States and Canada, through Goodie Nation. This grant with provide small businesses not only with capital to support economic growth, but also with coaching, networking, and partnership to help grant recipients thrive. In addition to the cash grant, each of the selected businesses will also receive a Lenovo ThinkBook, powered by AMD.

Audience: Small Business Owners

Application closed
Corporate loan/grant programs
National

TIAA, Nike, McKinsey & Company

Girls in Tech Startup Challenge

The startup must have a software or hardware product, must be less than 24 months old and have at least one female founder. Pitch competition with prize of $20,000.

Audience: Small Business Owners

Application closed
Corporate loan/grant programs
National

Square Partnerships

Black Equity Grant Program

Funding up to $15,000 and increased exposure and visibility for Black-led platforms. Company must be US based and its platform must be publicly launched and have at least 5 customers.  

Audience: Small Business Owners

Application closed