GOING INTO BUSINESS FOR YOURSELF

Anyone thinking about going into business for themselves, orwanting to expand an existing business should rush for theworld's largest "one-step-money-stop" where FREE MONEY to startor expand a business is being held for you by the FederalGovernment.It sounds absolutely incredible that people living right here inthe United States of America wouldn't know that each year theworld's largest source of free business help delivers:* Over $30 billion dollars in free grants and low interest loans;* Over one-half trillion dollars in procurement contracts;* Over $32 billion dollars in FREE consulting and research grants.With an economy that remains unpredictable, and a need for evengreater economic development on all fronts, the federalgovernment is more willing than ever before to give you the moneyyou need to own your own business and become your own boss!In spite of the perception that people should not look to thegovernment for help, the great government give-away programs haveremained so incredibility huge if each of the approximately 8million businesses applied for an equal share, they would eachreceive over $70,000.Most people never apply for a FREE GRANT because they somehowfeel it isn't for them, there's too much red-tape, or simplydon't know who to contact. The fact is however, that people fromall walks of life do receive FREE GRANT MONEY and other benefitsfrom the government, and you should also.HOW TO FIND FUNDING SOURCES WORTH BILLIONSAs with all grant seeking, the key to obtaining grants ispreparation and knowledge about funding sources. Preparationmeans identifying programs that are available, and determining ifyou fall within their restrictions.The following sources will be invaluable to you in locatingthousands of sources of FREE MONEYFEDERAL REGISTERThis daily publication contains changes, proposed changes, andnotices about rules and regulations affecting all governmentagencies and their programs. Federal agencies must publish theprogram description, eligibility requirements, and programguidelines in the Federal Register. For current subscriptioncosts write to: Superintendent of Documents, U.S. GovernmentPrinting Office, Washington, Dc 20402.CATALOG OF FEDERAL DOMESTIC ASSISTANCEThis publication lists a complete description of every program inthe federal government that makes funds available to privatebusiness. Write to the U.S. Government Printing Office,Washington, DC 20402.COMMERCE BUSINESS DAILY This publication contains a daily listing of U.S. Governmentprocurement invitations, contract awards, subcontracting leads,sales of surplus property, and foreign business opportunities.For current annual subscriptions costs write to theSuperintendent of Documents, U.S. Government Printing Office,Washington, Dc 20402.THE FOUNDATION CENTER 888 Seventh Avenue, New York, NY 10019, will provide you with alisting of philanthropic foundations.FREE FEDERAL MONEY GIVEN AWAY TO ASSIST BUSINESSESGRANT MONEY FOR BUSINESSES IN POOR ECONOMIC AREASContact the Economic Adjustment Division, Director, Economicdevelopment Administration, Herbert Hoover Bldg.,Rm. H7217,Washington, DC 20230.GRANT MONEY FOR MINORITY BUSINESS DEVELOPMENTGrants are awarded up to $2 million dollars to stimulate businessgrowth. Contact the Minority Business development Agency,department of Commerce, Washington, DC 20230.FREE MONEY TO PROVIDE ASSISTANCE TO ECONOMICALLY DISADVANTAGEDBUSINESSESManagement and technical assistance is provided free todisadvantaged business. Contact the Associate Administrator forSmall Business, 1441, L Street, NW, Rm. 602, Washington, DC20416.GRANT MONEY FOR INVESTORS IN RENTAL APARTMENT BUILDINGS WHO AREIN FINANCIAL TROUBLEContact the Chief, Program Support Branch, Management OperationsDivision, Office of Multi-Family Housing Management, departmentof Housing and Development, Washington, DC 20420.GRANT MONEY FOR WOMEN'S ENTERPRISESUp to $200,000 dollar grants are awarded to women in businessannually. Contact the Grants Management Office, Small BusinessAdministration, 1441 L Street, NW, Washington, DC 20416GRANT MONEY FOR REAL ESTATE INVESTORS WHO RENT TO ELDERLY ORHANDICAPPED PEOPLEContact the Director, Office of Multi-Family Housing Management,Dept. of Housing and Urban Development, Washington, DC 20410.GRANT MONEY FOR INDIAN-OWNED BUSINESSESContact the Office of Indian Services Director, Bureau of IndianAffairs, 18th & C Streets, NW, Rm. 4600, Washington, DC 20240.FREE STATE GRANT MONEYThere simply isn't enough room in this report to begin listingall the FREE MONEY programs that are available from the federaland state governments. We can tell you however, the general typesof programs that are available and where to begin.As you contact different agencies for grant money, learn not toaccept "no" as a final answer. There are so many new programsbeing offered each year that often an agency's own employeeswon't be aware they are offering the one you ask about. If beingpersistence doesn't help, get in touch with your Congressman andlet them track down a program that meets your needs.TYPES OF PROGRAMS THROUGH STATE & FEDERAL AGENCIESFREE MONEYUsually through direct grants that do not have to be paid back.BUSINESS CONSULTINGFree management advice is offered on almost every businesssubject by the Department of Economic Development to minimize newbusiness start-up management costs.BUSINESS SITE SELECTIONState hired specialists are available to assist new entrepreneursselect the best possible location for their new business.MANAGEMENT TRAINING Most states will assign specialists to work with a new businesswith one-on-one management training.EMPLOYEE TRAINING ASSISTANCEThis program provides FREE MONEY to train employees. FREE MONEYis also available to send employees to school.RESEARCH & DEVELOPMENT GRANTSFREE MONEY is available to attract high-tech related companies.PROGRAM CONSULTANTSStates have highly trained management consultants who will locateFederal Grant Programs to help you through the applicationprocess.FORMS & DOCUMENTSState professionals will help a new business owner apply forpermits, licenses, or any other legal document a business mayrequire.VENTURE CAPITAL FINANCINGThis method can provide FREE MONEY in the sense you wouldn't haveto pay it back. You would, however, probably have to give up partof the ownership of your business in order to receive financing.Most states have their own venture capital finance firms thatinvest in high risk businesses.MINORITIES & WOMENFREE MONEY grants are available in most states for women orminorities who want to start a business.LOW INTEREST LOANSA state may raise money through industrial revenue bonds to buyyour fixed-asset equipment. The public, which invest in thesebonds, do not pay taxes on the earned interest. When a lowinterest loan is granted, the state does not guarantee thatinvestors will get their money back if the business fails. If astate issues a general obligation bond, a public investment isthen guaranteed. the states will also make direct loans at lowinterest, or even co-sign a commercial bank loan. If a stateco-signs a loan for you, it may subsidize your interest andreduce an already low-interest rate lower yet.SMALL BUSINESS DEVELOPMENT CENTERSEvery state has Small Business development Centers who can matchyou with the right FREE MONEY grant program. All developmentcenters offer free counseling to anyone wishing to start orexpand a business. Their services are varied but include; FREEseminars, workshops, business planning, feasibility studies,marketing research, management analysis, sales technique,financing, exporting, inventory control, accounting, recordkeeping, and grant application. Whatever your questions aboutFREE MONEY grants or starting a business, refer to your telephonedirectory under State Offices and contact your Small Businessdevelopment Center.GETTING FREE MONEY FROM VENTURE CAPITAL SOURCESA venture capital company is another source for FREE MONEY infinancing your business plans. But since they are willing toassume some risk by investing in your business, they also expectsome equity in the business itself.Venture capital companies invest in projects they feel will besuccessful and bring a return on their investment. If you areinterested in asking a venture capital company to invest in yourbusiness refer to your telephone directory under Venture CapitalCompanies or Investment Companies, and contact those who are inthe same area you want to start your project in.SMALL BUSINESS INVESTMENT COMPANIESSmall business investment companies can provide your businesswith the capital it needs by; 1) giving you a free loan; 2)making a stock investment in your business; or 3) offering acombination of the two.Small business investment companies are in the business of makingmoney just like any other business. The biggest differencebetween them and another investor is:1) They are privately managed firms who are licensed and partially financed by the federal government's Small Business Administration.2) All of its transactions are regulated by the government.3) Their success depends on the growth and profits of companies they own stock in. They often give money in exchange for stocks.4) Their loans usually carry lower interest rates than commercialbanks.5) Straight loans repayments are carried over a longer period of time.6) Most businesses are eligible, especially if they are 50% minority owned.For a complete listing of the thousands of Small BusinessInvestment Companies, visit your local library and ask for theSBIC Catalog. Study the catalog and note the companies thatspecialize in your area of interest. Then write them and requestmore information on what they have to offer.WRITING A SUCCESSFUL GRANT APPLICATIONTo write a successful grant application for FREE MONEY it shouldbe well planned. You should be familiar with exactly how aparticular agency prefers to have their grant proposalscompleted. If you have no experience in writing grant proposals,this is another area where your Small Business developmentcenters can help.WORK CLOSELY WITH THE FREE MONEY GRANTOR AGENCYOnce you decide which government agency you want FREE MONEY from,contact them and ask for a grant application. Get to know some ofthe grantor agency personal. Experts love to talk about theirprograms, so ask for advice, suggestions, and criticisms aboutyour proposed project.In most cases, the more the agency knows about your grantproposal, the better your chances will be of getting support fromthe personnel who ultimately approve your FREE MONET request.Often it is to the grantor's advantage to send their grantproposal summary to an agency official they have developed acontact relationship with, and ask them to review and return itto you with their comments. Be certain this approach isacceptable with your agency. You wouldn't first want a firstdraft mistakenly processed before it was finished.Making a personal visit to the agency's office in your area isalso important. Face to face contact will help you understandeligibility requirements, deadlines, maximum FREE MONEY amountsyou can apply for, and other details you want to know about. Youcan also utilize an agency's library and determine through books,brochures, and conversation if there are other agencies you couldapply for FREE MONEY. there is nothing that says that you can'tapply for, two three, or more FREE MONEY grants at one time!ESTABLISH YOUR OWN PROFESSIONAL NETWORKDo some networking and maintain continuous contact with peoplewho can gather information for you about FREE MONEY GRANTS.Nothing can be substituted for personal contact with the decisionmakers who are in charge of grant programs. Learn to use yourpersonal influence (and theirs) to achieve your goals.The US. Government Printing Office maintains a wealth ofinformation that people never take advantage of! Write to themand ask for a copy of the "U.S. Government Directory" and ask fora list of books, brochures, and documents that covers your fieldof interest. Tell them you are especially interested in obtaininginformation about FREE FEDERAL MONEY that's available to privatecitizens.Remember, "FREE FEDERAL MONEY" doesn't mean you have to travel toWashington, DC. It just means finding out where the agencies arewithin your own state and local government. The contacts you wantto make may be only minutes away.estment companies are in the business of makingmoney just like any other business.
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