Small Business Government Programs — SBA Loans, Grants, & Tax Credits

The SBA's primary loan program, providing financial assistance to small businesses for a wide range of purposes, including working capital, equipment purchases,

Provides long-term, fixed-rate financing for major fixed assets that promote business growth and job creation. Typically involves a partnership between a small

The size, use-of-funds, and owner-occupancy requirements that decide whether your business qualifies for a 504 loan.

Provides small, short-term loans to small businesses and non-profit childcare centers. Administered through intermediary lenders who also provide business couns

A new grant program under the Trump 2.0 administration, designed to incentivize and support the expansion and establishment of manufacturing facilities within t

Provides grants to organizations that support entrepreneurs and small businesses, particularly those in underserved communities and STEM fields. These accelerat

Provides financial assistance to small businesses to increase their exports. Funds are awarded to states, which then provide grants or other assistance to eligi

A highly competitive program that encourages small businesses to engage in federal research and development (R&D) with the potential for commercialization. Fund

Similar to SBIR, STTR focuses on R&D but requires the small business to formally collaborate with a non-profit research institution (e.g., university, federal l

A federal tax credit for companies that incur expenses for qualified research activities in the U.S. It incentivizes innovation and technological advancement. T

Allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year, rather than depreciating

A federal tax credit available to employers who hire individuals from certain target groups who have consistently faced significant barriers to employment. This

A nine-year program designed to help small businesses owned and controlled by socially and economically disadvantaged individuals compete in the federal marketp

The ownership, control, and economic-disadvantage rules that determine whether your small business can join the 8(a) program.

Provides women-owned small businesses with greater access to federal contracting opportunities. The government aims to award at least 5% of federal contract dol

Encourages economic development and employment growth in historically underutilized business zones (HUBZones) by providing contracting opportunities to small bu

Provides contracting opportunities for businesses owned and controlled by service-disabled veterans and veterans. The federal government aims to award 3% of pri

Provides low-interest, long-term loans to businesses, homeowners, and non-profits to recover from declared disasters. Includes Physical Disaster Loans for repai

Provides working capital to small businesses to help them meet ordinary and necessary operating expenses that they cannot meet due to an essential employee bein