Apex Home Loans
● Criteria:Focusesonfix-and-flipprojects,basingloansonproperty’svalue.
● Website:https://www.apexhomeloans.com/
North Coast Financial
● Criteria: Provides asset-based lending, focusing on property equity and ARV.
● Website:https://www.northcoastfinancialinc.com/
Residential Capital Partners
○ Criteria: Asset-based loans for residential real estate projects, particularly for investors.
○ Website:ResidentialCapitalPartners
Private Money Lenders (No Credit Check)
Global Capital Partners
○ Criteria: Asset-based lending for commercial real estate and construction projects. Focuses on property value and deal structure.
○ Website:GlobalCapitalPartners
Fairview Commercial Lending
○ Criteria:Providesprivateloansforrealestateinvestments,focusingon property value rather than credit scores.
○ Website:FairviewLending
Wilshire Quinn Capital
○ Criteria:Focusesonresidentialandcommercialrealestateloans. Property value and income potential are prioritized over credit.
○ Website:WilshireQuinnCapital
Stratton Equities
○ Criteria:Providesprivatemoneyloansforrealestateinvestors.Fundingis based on the deal and asset rather than credit history.
○ Website:StrattonEquities
○ Criteria:Specializesinresidentialinvestmentpropertiesandoffersloans based on the property’s value and potential, with no credit check required.
○ Website:NewFundingResources
○ Criteria:Offersprivatemoneyloanswithafocusonrealestateprojects and the value of the property.
○ Website:NorthstarFunding
○ Criteria:Providesloansforrealestateinvestorsfocusingonfix-and-flip and rental properties. Loan approval is based on property value and ARV, with no credit check.
○ Website:LonghornInvestments
○ Criteria:Offersprivatemoneyloansforresidentialandcommercialreal estate. No credit score required, lending is based on the deal and asset.
○ Website:DMLCapital
○ Criteria:Focusesonprivatemoneyloansforfix-and-flipandcommercial real estate. Deals are evaluated on property value rather than credit scores.
○ Website:GauntletFunding
○ Criteria:Specializesinshort-termprivatemoneyloansforfix-and-flipand new construction projects. No credit score required, only property value and ARV.
○ Website:ABLOne
○ Criteria:Providesrealestateloansforinvestorsbasedonassetvalue rather than credit scores.
○ Website:ABLLending
Legacy Private Funding
○ Criteria:Focusesonrealestateloansforinvestors,evaluatingdeals based on property value and potential cash flow.
○ Website:LegacyPrivateFunding
Hard Money Go
○ Criteria:Offersprivateloansforrealestateinvestors,focusingonproperty and ARV rather than borrower credit.
○ Website:HardMoneyGo
Montegra Capital Resources
○ Criteria:Specializesincommercialrealestatelending.Focuseson asset-based deals and property value.
○ Website:MontegraCapital
Sherman Bridge Lending
○ Criteria:Providesprivateloansforfix-and-flipandbuy-and-holdinvestors. Deals are evaluated on the ARV of the property, with no credit check required.
○ Website:ShermanBridgeLending
Fidelity Funding
○ Criteria:Specializesinasset-basedrealestateloansforinvestors.Loan decisions are based on the property and deal structure.
○ Website:FidelityFunding
Kearny Private Lending
○ Criteria:Providesprivaterealestateloansbasedonpropertyvalueand ARV, without requiring credit checks.
○ Website:KearnyPrivateLending
Unified Capital Lending
○ Criteria:Offersprivatemoneyloansforrealestateinvestorswithafocus on property value rather than credit history.
○ Website:UnifiedCapitalLending
ZINC Financial
○ Criteria:Focusesonfix-and-flipandrentalpropertyloans.Nocreditcheck required, as loans are based on property and deal structure.
○ Website:ZINCFinancial
Gelt Financial
○ Criteria:Providesloansforrealestateinvestorsanddevelopers,witha focus on asset value and potential. No credit check needed.
○ Website:GeltFinancial
These lenders prioritize the value of the asset and the structure of the deal, making them ideal for real estate investors who want to bypass traditional credit checks. Here is a list of grants and funding programs that businesses can apply for, many of which are relatively easy to access, depending on the eligibility criteria:
3. Asset-Based Lenders (ABL)
● Focus:Asset-basedlendersprovideloanssecuredbyassetslike inventory, equipment, receivables, or real estate. Creditworthiness isn’t as important as the asset’s value.
● Examples:
○ CITGroup
○ OnDeck
○ BreakoutCapital
○ CrestmarkBank(DivisionofMetaBank)
○ Gibraltar Business Capital
4. Real Estate Investment Trusts (REITs)
● Focus: Some REITs specialize in providing capital for real estate investments without focusing on borrower credit. They are interested in the asset's potential for income generation.
● Examples:
RealtyMogul
Fundrise
Broadmark Realty Capital
5. Factoring Companies
● Focus: Factoring companies provide advances based on outstanding invoices (accounts receivable) rather than credit scores. These companies evaluate the strength of the receivables rather than the business's credit history.
● Examples:
○ BlueVine
○ Fundbox
○ RivieraFinance
6. Equipment Financing Companies
● Focus:Lendersinthisspaceofferfinancingforequipmentpurchases, using the equipment itself as collateral. Credit isn’t as critical as the asset's value and resale potential.
● Examples:
NationalFunding ○ BalboaCapital
CrestCapital
7. Bridge Loan Lenders
● Focus:Bridgeloansprovideshort-termfinancingforrealestateor business deals. The asset’s value is the primary concern, and the loan helps “bridge” the gap until long-term financing can be secured.
● Examples: ○ CoreVest
○ CivicFinancialServices
○ ArixaCapital
8. Crowdfunding Platforms (Real Estate)
● Focus:Crowdfundingplatformsthatofferasset-basedlendingfocus on real estate deals and allow borrowers to leverage the property's value to secure funds.
● Examples: ○ Groundfloor
PeerStreet ○ RealtyShares(acquiredbyPeerStreet)
9. Inventory Financing Lenders
● Focus:Businessescanusetheirinventoryascollateraltoobtain financing, with the lender focused more on the value of the goods rather than the borrower’s credit score.
● Examples:
○ Kickfurther
○ TigerFinance
○LSQ
10. Merchant Cash Advance (MCA) Providers
● Focus:Thesecompaniesprovideadvancesbasedonfuturerevenue (usually credit card sales) rather than credit scores. They base their decision on the business’s cash flow and transaction history.
● Examples: ○ RapidFinance ○ ReliantFunding ○ CANCapital
11. Real Estate Development Lenders
● Focus:Somefirmsspecializeinfundinglargerealestate development projects, using the value of the project or land as
collateral. These lenders care more about the potential value than your personal credit.
● Examples:
○ Terra Firma Capital Partners
○ Walker&Dunlop
○ MadisonRealtyCapital
12. Peer-to-Peer Lending (P2P)
● Focus:Peer-to-peerlendingplatformssometimesofferloansbased on the asset's value rather than focusing solely on credit scores. While less common, some platforms can accommodate asset-based deals.
● Examples:
○ Prosper
○ FundingCircle
○ LendingClub (for business loans)
13. Private Equity Firms
● Focus:Privateequityfirmssometimesprovidecapitaltobusinesses with high-value assets or potential for growth, focusing on the business's overall strength and the asset base rather than personal credit.
● Examples:
○ Blackstone
○ CarlyleGroup
○ ApolloGlobalManagement
14. Family Offices
● Focus:High-net-worthindividualsorfamilyofficesmayofferfunding based on real estate or other high-value assets. They often operate quietly and invest based on asset value rather than credit.
● Examples:Thesearetypicallyprivate,butyoucanfindthemthrough specialized networks or advisors.
15. Real Estate Syndications
● Focus: These are partnerships where multiple investors pool their funds for real estate projects. They focus on the project's potential returns and the property’s value, not the borrower’s credit.
● Examples:
CrowdStreet
SyndicationPro
16. Sale-Leaseback Providers
● Focus:Sale-leasebackfinancingallowscompaniestosellanasset, such as a building or equipment, and lease it back, obtaining capital while retaining operational control.
● Examples: ○ W.P.Carey
StoreCapital
NetLeaseCapital
17. Non-Bank Financial Institutions (NBFIs)
● Focus:Theseinstitutionsprovidefinancingforbusinessesbasedon the value of their assets, offering more flexible terms than traditional banks.
● Examples:
CapitalOneCommercial
WellsFargoAsset-BasedLending
AresManagement
18. Fix-and-Flip Lenders
● Focus:Lendersspecializinginfinancinghouse-flippingdealsbase their loans on the property's after-repair value (ARV) rather than the borrower’s credit score.
● Examples:
LendingOne
AnchorLoans
○ FlipFunding
19. Invoice Financing Companies
● Focus:Similartofactoring,invoicefinancingcompaniesofferloans based on unpaid invoices, focusing on the creditworthiness of your customers rather than your personal credit.
● Examples:
○ Payability
○ FundThrough
○ TCIBusinessCapital
20. Revenue-Based Financing
● Focus:Revenue-basedlendersoffercapitalinexchangefora percentage of future business revenues. These lenders often focus more on the company's cash flow than credit history.
● Examples:
○ Clearbanc(nowClearco)
○ LighterCapital
○ Capchase
21: Hedge Funds
Hedge Funds Involved in Asset-Based Lending Carlyle Group
○ Criteria: Invests in asset-backed loans, focusing on real estate and other tangible assets with strong cash flow.
○ Website:CarlyleGroup
Ares Management
○ Criteria: Focuses on real estate and infrastructure deals, providing asset-based capital.
○ Website:AresManagement
Bain Capital Credit
○ Criteria: Specializes in credit investments, including asset-backed loans in real estate and private equity sectors.
○ Website:BainCapital
TPG Capital
○ Criteria:Investsinlargeasset-baseddealswithstrongunderlyingassets in sectors like real estate, energy, and infrastructure.
○ Website:TPGCapital
Cerberus Capital Management
○ Criteria:Providescapitalfordistressedassets,realestate,and credit-focused investments.
○ Website:CerberusCapitalManagement
Kohlberg Kravis Roberts (KKR)
○ Criteria:Investsinasset-backedloans,focusingonrealestate, infrastructure, and large commercial assets.
○ Website:KKR
Guggenheim Partners
○ Criteria:Offersasset-basedlendingforinfrastructureandrealestate projects.
○ Website:GuggenheimPartners
The Baupost Group
○ Criteria:Focusesondistressedandvalue-basedassets,includingreal estate. Primarily looks at the value and long-term potential of the asset.
○ Website:TheBaupostGroup
Värde Partners
○ Criteria:Asset-basedlendingforrealestateandotherhardassets,witha focus on distressed or undervalued properties.
○ Website:VärdePartners
Brookfield Asset Management
○ Criteria:Focusesonrealestate,infrastructure,andrenewableenergy projects. Provides asset-based lending based on asset value and potential cash flow.
○
Website:BrookfieldAssetManagement
22. Business Grants and Free Capital Sources
Small Business Innovation Research (SBIR) Program
Funding Amount
Eligibility Focus Website Small Business Technology Transfer (STTR) Program
○ :Upto$1million+ :Technology-drivensmallbusinesseswithinnovativeideas, particularly in scientific research and development.
○ :Federalgrantforresearchanddevelopmentprojectsthathave potential for commercialization.
○ :SBIR
Funding Amount
:Varies,oftensimilartoSBIR. :Smallbusinessesthatcollaboratewithresearchinstitutions. :Supportstechnologytransferfromresearchinstitutionstothe private sector
○ :STTR
Eligibility Focus Website Amber Grant for Women
○ FundingAmount
○ Eligibility
○ Focus ○ Website
: $10,000 monthly grant + $25,000 annual grant : Female entrepreneurs with small businesses. : General business use.
: Amber Grant
FedEx Small Business Grant Contest
○ FundingAmount:Upto$50,000
○ Eligibility
: Small businesses that demonstrate innovation and dedication to their communities.
○ Focus
: Funding to help grow and expand businesses.
○ Website NASE Growth Grants
: FedEx Small Business Grant Contest
○
Funding Amount Eligibility
○ :Upto$4,000
:SmallbusinessesthataremembersoftheNational Association for the Self-Employed (NASE).
○ :Usedformarketing,advertising,hiringemployees,andpurchasing equipment.
○ :NASEGrants
Focus Website
Comcast RISE
○ FundingAmount
: Marketing consultations, media placements, and creative production services.
○ Eligibility
: Minority-owned small businesses.
○ Focus
: Supporting businesses with a variety of services, including technology and marketing solutions.
○ Website Nav's Small Business Grant
: Comcast RISE
○ FundingAmount
: Up to $10,000
○ Eligibility
: Small businesses with a creative story and innovative growth ideas.
○ Focus
: General business use.
○ Website Grants.gov
: Nav Grant
○ FundingAmount
: Varies by program, from $10,000 to millions.
○ Eligibility
: Open to a variety of businesses and nonprofit organizations.
○ Focus
: Centralized platform for federal government grants.
○ Website
: Grants.gov
Tory Burch Foundation Fellowship
○ :$5,000grant,plusaccesstobusinesseducationand mentorship.
Funding Amount Eligibility
○ :Womenentrepreneursleadingearly-stagecompanies.
○ Focus
: Business expansion and growth.
○ Website
: Tory Burch Foundation Fellowship
Eileen Fisher Women-Owned Business Grant
○
Funding Amount
:$10,000to$100,000+
○
Eligibility
:Women-ownedbusinessesthatarefocusedonenvironmental or social change.
○ :Businessesthathaveastrongmissioninsustainabilityorsocial impact.
○
Focus Website
:EileenFisherWomen-OwnedBusinessGrant
USDA Rural Business Development Grants
○ FundingAmount
: Varies based on need and project size.
○ Eligibility
: Rural businesses in towns with populations under 50,000.
○ Focus
: Economic development in rural areas. :
○ Website
USDA Rural Business Development
LISC Small Business Relief Grants
○
Funding Amount
:Upto$20,000
○
Eligibility
:Smallbusinessesfacingeconomichardship,withafocuson underserved communities.
○
○ :Assistingbusinesseswithrent,payroll,andoperationalcosts.
Focus Website
:LISCSmallBusinessGrants
Kiva Small Business Loans (Crowdfunding)
○ FundingAmount
: Up to $15,000
○ Eligibility
: Entrepreneurs who demonstrate a strong commitment to their community.
○ Focus
: Crowdfunding loan with 0% interest.
○ Website
: Kiva Loans
Halstead Jewelry Grant
○ FundingAmount
: $7,500 cash grant, $1,000 in supplies, and industry recognition.
○ Eligibility
: Emerging jewelry artists and designers.
○ Focus
: Business expansion for independent jewelers.
○ Website
: Halstead Grant
The Barstool Fund
○
FundingAmount
: Varies
○ Eligibility
: Small businesses struggling during economic downturns.
○ Focus
: Immediate assistance for businesses to cover operational costs like payroll, rent, and more.
○ Website
: The Barstool Fund
Visa Everywhere Initiative
○ FundingAmount
: $100,000 for global winners
○ Eligibility
: Startups and fintech companies with innovative solutions.
○ Focus
: Technology-driven businesses that support small businesses and consumers.
○ Website
: Visa Everywhere Initiative
National Black MBA Association Scale-Up Pitch Challenge
○ FundingAmount:Upto$50,000
○ Eligibility:Black-ownedbusinessesinearlystages.
○ Focus:Supportinghigh-growth,scalablestartups.
○ Website:NBMBAAPitchChallenge
Walmart Local Community Grants
○
○
○
:$250to$5,000 :Localbusinessesandnonprofitsthatoperatein Walmart-served communities.
○ :Supportingcommunityprojectsandsmallbusinesses.
Funding Amount Eligibility Focus Website
:WalmartCommunityGrants
Google for Startups Black Founders Fund
○ FundingAmount
: Up to $100,000 in non-dilutive cash awards.
○ Eligibility
: Black-owned tech startups in early stages.
○ Focus
: Non-equity funding to promote diversity in tech.
○ Website
: Google Black Founders Fund
IFundWomen Universal Grant Application
○ FundingAmount:Variesdependingonpartnergrants.
○ Eligibility:Women-ownedbusinessesacrossindustries.
○ Focus:Providesaccesstoavarietyofgrantsthroughauniversal application.
○ Website:IFundWomenGrants
These grants and free capital sources are accessible to small businesses, startups, and entrepreneurs in various industries. The eligibility requirements vary, so be sure to review each program’s focus and criteria before applying.
Additional Business Grants
Hello Alice Small Business Growth Fund
Funding Amount
:Upto$25,000
○
○
Eligibility Focus Website
:Smallbusinessesacrossindustries,particularlythoseowned by women, people of color, veterans, and underrepresented entrepreneurs.
○ :Businessexpansion,newequipment,andemployeehiring. :HelloAliceGrants
Minority Business Development Agency (MBDA) Grants
○
Funding Amount
○
Eligibility
Focus
○ :Varies :Minority-ownedbusinesses. :Businessdevelopment,consultingservices,andscaling minority-owned enterprises.
Website
StreetShares Foundation Veteran Small Business Award
○ FundingAmount
○ Eligibility
○ Focus
○ :MBDAGrants ○
○ :PatagoniaGrants ○
: Up to $15,000
: Veteran, Reserve, or military spouse small business owners.
: Supporting entrepreneurial ventures by military members.
○ Website Patagonia Corporate Grants Program
: StreetShares Veteran Business Award
Funding Amount
:Upto$15,000
Eligibility Focus
:Nonprofitsandenvironmentallyfocusedsmallbusinesses. :Environmentalconservation,climatechange,andsustainability efforts.
Website
Asian Women Giving Circle Grants
○
○
Funding Amount
:Upto$15,000
Eligibility
:AsianAmericanwomenentrepreneursornonprofitswitha focus on arts and culture.
○ :Empoweringwomenandpromotingsocialchangethrough business or creative projects.
○ :AsianWomenGivingCircle
Focus Website
US Chamber of Commerce Dream Big Awards
○
○
Funding Amount
:Upto$25,000
○
Eligibility
:Smallbusinessesacrossindustries,includingfor-profitand nonprofit organizations.
Focus Website
○ :Rewardinginnovation,excellence,andcommunityimpact.
:DreamBigAwards
Fast Break for Small Business by LegalZoom and NBA
○ FundingAmount
: Up to $10,000 in grants, plus $500 in LegalZoom services.
○ Eligibility
: Small businesses in the United States.
○ Focus
: General business support, including legal services.
○ Website
: Fast Break for Small Business
Build to Scale Program (Economic Development Administration)
○
○
Funding Amount
○
Eligibility
:Varies(uptoseveralmillionforlargeprojects) :Smallbusinessesfocusedontechnologyorinnovation. :Helpingstartupsandbusinessesscalebysupporting entrepreneurship and innovation
○ :BuildtoScale
Focus Website
Founders First Capital Partners Grant
○ FundingAmount
: Up to $5,000
○ Eligibility
: Small businesses owned by underrepresented groups, including women, minorities, and veterans.
○ Focus
: Growth capital for businesses to scale and hire.
○ Website
: Founders First Capital
The Coalition to Back Black Businesses
○ FundingAmount:Upto$5,000initially,withadditional$25,000 enhancement grants.
○ Eligibility:Black-ownedsmallbusinessesinunderservedcommunities.
○ Focus:Businessdevelopment,COVID-19relief,andgrowthsupport.
○ Website:BackBlackBusinesses
National Association for the Self-Employed (NASE) Micro-Business Grants
○ FundingAmount:Upto$4,000
○ Eligibility:MembersoftheNASEwithabusinessplanforexpansion.
○ Focus:Supportingentrepreneurswithessentialbusinessexpenses.
○ Website:NASEMicro-Grants
Verizon Small Business Digital Ready Grants
○ FundingAmount:Upto$10,000
○ Eligibility:SmallbusinessesthatcompleteVerizon’sDigitalReadyonline training program.
○ Focus:Supportingsmallbusinesseswithdigitaltoolsandmarketing.
○ Website:VerizonDigitalReady
WomensNet Amber Grant for Business
○ FundingAmount:$10,000permonthanda$25,000annualgrant
○ Eligibility:Womenentrepreneurs.
○ Focus:Supportingwomen-ownedbusinesseswithfundingforgrowthand operations.
○ Website:AmberGrant
Visa Small Business Grant
○ FundingAmount:Upto$10,000
○ Eligibility:Smallbusinessesthatdemonstrategrowthpotentialor innovation.
○ Focus:Digitalgrowthandinnovationinsmallbusinesses.
○ Website:VisaSmallBusinessGrant
Operation Hope Small Business Empowerment Program
○ FundingAmount:Varies
○ Eligibility:Minorityandunderrepresentedentrepreneursinunderserved communities.
○ Focus: Financial literacy, entrepreneurship training, and funding access.
○ Website:OperationHope
SBA Community Navigator Pilot Program
○ FundingAmount:Varies
○ Eligibility: Small businesses in underserved communities.
○ Focus:FinancialsupportandguidancethroughSBA-approved navigators.
○ Website:SBACommunityNavigator
First Nations Development Institute Grants
○ FundingAmount:Upto$30,000
○ Eligibility:NativeAmerican-ownedbusinessesandtribalenterprises.
○ Focus:EconomicdevelopmentinNativeAmericancommunities.
○ Website:FirstNationsGrants
Local Initiatives Support Corporation (LISC) Small Business Relief Grants
○ FundingAmount:Upto$20,000
○ Eligibility:Smallbusinessesinunderservedcommunitiesaffectedby COVID-19 or economic hardship.
○ Focus:Immediatereliefforoperationalexpenses,payroll,andrent.
○ Website:LISCGrants
Citizens Bank Small Business Community Champion Award
○ FundingAmount:Upto$10,000
○ Eligibility:Smallbusinessesmakingapositiveimpactintheircommunity.
○ Focus:Fundingtosupportcontinuedgrowthandcommunityinvolvement.
○ Website:CitizensBankChampionAward
Caress Dreams to Reality Fund
○
○ :$5,000 :Womenofcolorentrepreneurs. :Supportingbeauty,wellness,andfashion-basedbusinesses. :CaressDreamsFund
Funding Amount Eligibility Focus Website
These grants offer diverse funding options for business owners, ranging from minorityand women-focused grants to industry-specific grants for environmental or tech-drive businesses. Be sure to check each grant’s eligibility criteria and deadlines to maximize your chances of receiving funding.
HOUSING GRANTS
Here are government housing grants and programs where organizations, individuals, or businesses can potentially earn funds by locating, developing, or managing housing for underserved populations. Some grants also encourage partnerships with private entities like hedge funds:
23. Government Housing Grants & Programs
HUD's Housing Choice Voucher Program (Section 8)
Purpose
○ :Providesrentalassistancetolow-incomefamilies,elderly,and disabled individuals to find housing in the private market.
Incentive
○ :Propertymanagersandlandlordsreceiveguaranteedrental payments from HUD when they provide housing to voucher holders.
○
Eligibility
○ :PropertyownerswholeasetoSection8voucherholders.
Website
:HUDSection8
HUD’s HOME Investment Partnerships Program
Purpose
○ :Providesgrantstostateandlocalgovernmentstofund affordable housing programs for low-income families.
Incentive
○ :Developersorinvestorscanapplyforthesefundstobuildor rehabilitate affordable housing, and local governments may hire consultants or firms to assist in finding suitable housing projects.
○
Eligibility
○ :Nonprofits,developers,andstate/localgovernments.
Website
:HUDHOMEProgram
HUD’s Continuum of Care (CoC) Program
Purpose
○ :Providesfundingtoaddresshomelessnessthroughtransitional housing, permanent housing, and supportive services.
Incentive
○ :Nonprofitsandpublichousingagenciescanapplyforgrantsto provide housing solutions. Hedge funds or private investors may partner with nonprofits to expand housing access
○
Eligibility
○ :Nonprofits,stateandlocalgovernments.
Website
:HUDCoCProgram
Emergency Solutions Grants (ESG)
Purpose
○ :Providesfundingtohomelesssheltersandsupports homelessness prevention programs.
Incentive
○ :Organizationsreceivegrantstolocateandmanagehousing solutions for the homeless or those at risk of homelessness.
○
Eligibility
○ :Localgovernments,nonprofits. :HUDESGProgram
Website
Affordable Housing Program (AHP)
Purpose
○ :AgrantprogramthroughtheFederalHomeLoanBanks(FHLB) that helps provide affordable housing for low- and moderate-income families.
○ Incentive: Financial institutions, developers, and housing agencies can access these grants to develop affordable housing, often in partnership with local governments or investors.
○
Eligibility
○ :Banks,developers,andcommunityorganizations. :FHLBAHPProgram
Website
Choice Neighborhoods Implementation Grants
Purpose
○ :Focusesontransformingdistressedneighborhoodswithhigh poverty and poor housing into mixed-income communities.
Incentive
○ :Publichousingauthorities,nonprofits,anddevelopersreceive funds to revitalize neighborhoods and may work with private entities to provide housing.
Eligibility
○ :Publichousingauthorities,localgovernments,nonprofits, private entities.
○ :HUDChoiceNeighborhoods
Website
Community Development Block Grant (CDBG) Program
Purpose
○ :Providesfundstolocalgovernmentsforhousingprojects, infrastructure, and economic development.
Incentive
○ :Businessesanddeveloperscanpartnerwithlocalgovernments to find housing opportunities funded by CDBG
○
Eligibility
○ :Stateandlocalgovernments,developers :HUDCDBGProgram
Website
Rental Assistance Demonstration (RAD) Program
Purpose
○ :Convertspublichousingunitsintoprivatelymanaged,affordable rental housing.
Incentive
○ :Privateinvestorsandhedgefundscanpartnerwithhousing authorities to redevelop public housing units into privately financed, affordable housing.
○
Eligibility
○ :Publichousingauthorities,privatedevelopers. :HUDRADProgram
Website
Neighborhood Stabilization Program (NSP)
Purpose
○ :Providesgrantstostatesandlocalgovernmentstoacquireand redevelop foreclosed properties.
Incentive
○ :Investorsanddeveloperscanreceivefundstofind,rehabilitate, and sell or rent foreclosed homes to low-income families.
○
Eligibility
○ :Localgovernments,developers,nonprofits.
Website
:HUDNSPProgram
USDA Rural Development Housing Grants
Purpose
○ :Providesgrantsandloansforaffordablehousingdevelopment in rural areas.
Incentive
○ :Developers,investors,andhousingagenciesreceivegrantsto build, repair, or rehabilitate housing in rural communities.
○
Eligibility
○ :Individuals,developers,andnonprofitsworkinginruralareas.
Website
:USDARuralHousing
Public-Private Partnership (P3) Programs
Incentive
○ :Hedgefundsandprivateinvestorscanpartnerwithlocal governments on P3 housing development projects. The government provides land or funding while private firms manage construction and operation.
Examples
○ :Affordablehousingprojectsfundedbystateorfederal agencies but managed by private investors.
Eligibility
○ :Developers,privateequityfirms,hedgefunds.
Opportunity Zones Program
Incentive
○ :Privateinvestors,includinghedgefunds,caninvestin low-income areas designated as Opportunity Zones to develop housing and receive tax incentives on capital gains.
Eligibility
○ :Privateinvestors,hedgefunds,anddevelopersinvestingin designated Opportunity Zones.
○ :IRSOpportunityZones
Website
Housing Trust Funds (HTF)
Purpose
○ :Afederalblockgranttostatestobuild,rehabilitate,oroperate rental housing for extremely low-income people.
Incentive
○ :Hedgefundscanworkwithstatestofundhousingprojects, particularly targeting affordable and low-income housing.
○
Eligibility
○ :Developers,housingagencies,privatelenders. :HUDHTF
Website
New Markets Tax Credit Program
24. Hedge Fund/Private Investor Partnerships for Housing
○ Purpose:Providestaxcreditsforprivateinvestmentinunderserved communities, often used for affordable housing development.
○ Incentive:Hedgefundsandprivateinvestorscanreceivetaxcreditsfor investing in housing and other community development projects.
○ Eligibility:Developers,financialinstitutions,hedgefunds. ○
Website:NewMarketsTaxCreditProgram
These programs offer significant opportunities for individuals, businesses, and investors to participate in government-backed housing projects, where hedge funds and private investors can also collaborate.
listof foryourbusinessthatofferfunding , focusing on deal-based or asset-based financing:
private capital sources check with no credit
Funding Type
: Business loans, equipment financing, and lines of credit.
Eligibility
Website
: Based on business revenue, not personal or business credit scores.
: National Business Capital
Funding Type
: Lines of credit and invoice financing.
Eligibility
: Business performance and revenues; no personal credit score required.
Website
: Fundbox
Funding Type loans.
: Revenue-based financing, equipment financing, and short-term
Eligibility
Website
: Based on business cash flow and performance metrics.
: Kapitus
● FundingType:E-commercefinancing,especiallyforAmazonandeBaysellers.
● Eligibility:Nocreditcheck;fundingbasedonyourmarketplacesales performance.
3. Kapitus
2. Fundbox
4. Payability
1. National Business Capital
Website
Funding Type
: Revenue-based financing for e-commerce and SaaS companies.
Eligibility
: Based on monthly revenue and growth potential.
Website Funding Type
: Clearco
Eligibility
Website
: Business cash advances and merchant financing.
: Approval based on business revenue, no credit check required.
: Merchant Growth
Funding Type
: Equipment financing.
Eligibility
: Approval based on business revenue, not personal credit score
Website Funding Type
: OnDeck
Eligibility
Website
: Invoice factoring and lines of credit.
: Financing based on unpaid invoices or accounts receivable.
: eCapital
Funding Type: Working capital and business loans.
Eligibility: Funding based on business revenue and performance; no credit score check.
Website: First Down Funding
Funding Type: Short-term loans for businesses that accept American Express.
Eligibility: Based on business sales volume with American Express, no credit check needed.
Website: Amex Merchant Financing
eCapital
Dealstruck
Merchant Growth
First Down Funding 5. Clearbanc (Now Clearco) 7. OnDeck Equipment Financing 10. American Express Merchant Financing
Funding Type loans.
: Asset-based lending, equipment loans, and revenue-based
Eligibility
Website
: Focus on business revenue and assets, no personal credit check. : Dealstruck
● FundingType:Marketplaceforbusinessloans,linesofcredit,andcash advances.
● Eligibility:Variouslendersofferingloansbasedonrevenueorassets,nocredit checks required.
● Website:Lendio
FundThrough
Funding Type
: Invoice factoring.
Eligibility
Website
: No credit check; financing based on outstanding invoices.
: FundThrough
Funding Type
: Lines of credit and invoice factoring.
Eligibility
Website
: Revenue-based financing, no personal credit score required.
: BlueVine
Funding Type
: Working capital loans and merchant cash advances.
Eligibility
Website
: Focus on business cash flow, no credit check required.
: Credibly
Reliant Funding
Funding Type
: Merchant cash advances and short-term business loans.
Eligibility
Website
: Based on business revenue, no credit score requirement.
: Reliant Funding
Par Funding
Funding Type
: Merchant cash advances and revenue-based loans.
Eligibility
Website
: Business sales and cash flow determine eligibility, not credit scores.
: Par Funding
Lendio
Credibly
BlueVine
Funding Type
: Merchant cash advances and revenue-based financing.
Eligibility
: Focus on monthly revenue, no personal credit check needed : Forward Financing
19. Kabbage (Now owned by American Express)
Website Funding Type
: Business lines of credit.
Eligibility
Website
: No hard credit check; business performance and revenue are key.
: Kabbage
20. Prime Meridian Capital Management
● Funding Type: Small business loans and alternative lending.
● Eligibility:Focusonbusinessassetsandrevenue;nocreditcheckrequired.
● Website:PrimeMeridianCapital
These lenders and platforms provide opportunities for securing private capital based on your business's performance, assets, or revenue streams, bypassing the need for a personal or business credit check.
Here are additional private capital sources credit check no
that provide business funding with , focusing on asset-based or revenue-based financing:
Funding Type
: Business loans and lines of credit.
Eligibility
: Based on business revenue, no personal credit score required.
Website Funding Type credit.
: StreetShares : Merchant cash advances, small business loans, and lines of
Eligibility
: Based on revenue, not credit score.
Website Funding Type
: Rapid Finance
: Asset-based lending and invoice factoring.
Eligibility
Website
: Based on business assets like inventory or accounts receivable.
: Summit Financial Resources
Funding Type
: Invoice factoring.
Eligibility
Website
: Financing based on outstanding invoices, no credit check.
: Invoice Cloud
● FundingType:Revenue-basedfinancingandbusinessloans.
● Eligibility:Focusonbusinessrevenueandperformance,nocreditcheck needed.
● Website:LibertasFunding
Funding Type: Merchant cash advances.
Eligibility: For businesses using Square payment systems, based on sales, not credit scores.
Website: Square Capital
Funding Type
: Invoice factoring and accounts receivable financing.
Eligibility
Website
: Based on business invoices, no personal credit score involved. : AltLINE
Funding Type
: Invoice factoring and accounts receivable financing.
Eligibility
: Approval based on your outstanding invoices and accounts receivable.
Website Funding Type
: American Receivable
: Business cash advances, loans, and revenue-based financing.
: No personal credit check; funding is based on business performance
Invoice Cloud
Torro Funding
Square Capital
Libertas Funding
American Receivable 27. AltLINE by The Southern Bank
: Torro Funding
Funding Type: Equipment financing and business loans.
Eligibility: Based on your business's financial health and revenue, no credit check required.
Website: US Business Funding
Website Funding Type
: Business lines of credit.
Eligibility
: Revenue-based, no personal credit score requirement.
Website Funding Type Eligibility check.
Website
: Capital on Tap
: Equipment financing and working capital loans
: Approval based on business revenue and equipment value, no credit
: Credibly
: Business lines of credit and term loans.
: Based on cash flow, no credit score needed.
: Idea Financial
: Equipment leasing and working capital loans.
: Based on business revenue, no personal credit score required.
: Balboa Capital
: Equipment financing and business loans.
: Revenue-based lending, with no need for a credit check
: Reliant Funding
Funding Type
: Invoice factoring.
Eligibility
: Financing based on business invoices and accounts receivable.
: Factor Funding Co.
Sunwise Capital
Website Funding Type Eligibility
: Business loans and lines of credit.
: Based on business performance and revenue, no credit check required.
: Sunwise Capital
National Funding
Website Funding Type loans.
Eligibility
: Small business loans, equipment financing, and working capital
: Business revenue and financial health, not credit score-based.
: National Funding
LoanBuilder (A PayPal Service)
Website Funding Type Eligibility check. Website
: Short-term business loans.
: Based on business health, PayPal sales, and cash flow, no credit
LoanBuilder
Expanding Capital
● FundingType:Merchantcashadvancesandrevenue-basedloans.
● Eligibility:Basedonbusinesssales,notcreditscores.
● Website:ExpandingCapital
These additional sources provide a broad spectrum of options for businesses seeking funding based on their assets, revenue, or sales, without the need for a credit check.
DUNSNumber Dun&Bradstreet(DUNS)
○ :Obtaina number,whichis required to register as a government contractor.
SAMRegistration Management (SAM) SystemforAward
○ :Registeryourbusinessinthe (www.sam.gov). SAM is the official system where businesses register to be eligible to bid on federal contracts.
NAICSCode Classification System (NAICS) NorthAmericanIndustry
○ :Identifytheappropriate codes that describe your business services/products.
Complete Certifications
○ Determine if your business qualifies for any certifications (e.g., , , , ).Thesecertificationsgiveyou advantages in securing certain government contracts.
Small
Business (SBA) Minority-Owned Business Women-Owned Small Business (WOSB) Veteran-Owned
Research Opportunities FederalBusinessOpportunities(FBO) SAM beta.SAM.gov USASpending.gov
○ Visitthe site,nowpartof , where you can find open government contract opportunities.
○ :Thissitelistscontracts,grants,andawardsacross various sectors, including housing and real estate.
○ :Anotherresourcetoviewcontractawardsand identify patterns of opportunities.
Prepare Proposal Documentation
○ Eachgovernmentcontractopportunityrequiresaproposal.Thisincludes technical details about your services, cost estimates, and how your business will meet the contract requirements.
Requests for Proposal (RFP) (RFQ) Network with Agencies
○ Respondto andRequestsforQuotes with detailed bids that meet the agency’s needs
○ Buildrelationshipswithagenciesyouwanttoworkwithbyattending conferences, agency events, or small business networking events.
Subcontracting
○ Lookinto opportunitiesbypartneringwithaprime contractor.
Submit Your Bid
○ Prepare your bid proposal according to the instructions in the RFP/RFQ.
○ Submitthebidbythestateddeadlinethroughthedesignatedsystemor portal.
Negotiate and Secure Contract
○ Ifyourbidisselected,bepreparedtonegotiatetermsandfinalizethe contract.
List of Government Contracts for Housing, Land, and Real Estate:
HUD Housing Assistance Programs
○ :Contractsforprovidingaffordablehousingservicesandrealestate management. ○
Type Agency Opportunities
:U.S.DepartmentofHousingandUrbanDevelopment(HUD). :Contractsformanagingaffordablehousingprojects,real estate development, and property management.
Website
○ :HUD.gov :
USDA Rural Development Property Contracts
Type Agency Opportunities
:Contractsfordevelopingruralhousingandland.
:U.S.DepartmentofAgriculture(USDA)RuralDevelopment. :Contractsforrealestateprojects,housingdevelopments, and infrastructure in rural areas.
Website
VA Homelessness Programs
○ :USDARuralDevelopment :
○ Type
○ Agency
: Contracts for providing housing for veterans. : U.S. Department of Veterans Affairs (VA).
○ Opportunities
○ Website
: Contracts for finding and developing housing for homeless veterans, transitional housing, and permanent supportive housing. : VA.gov Homeless Programs
GSA Leasing and Real Estate Contracts
Type Agency Opportunities
:Contractsforleasingandmanaginggovernment-ownedproperties. :GeneralServicesAdministration(GSA).
:Realestateservices,includingleasing,property management, and land acquisition for federal facilities.
Website
:GSARealEstate
HUD Multifamily Property Management
Type Agency Opportunities
:Propertymanagementcontractsformultifamilyhousingunits. :HUD.
:Propertymanagementcontractsforaffordablehousing units, including maintenance, tenant management, and facilities upkeep.
Website
○ :HUDMultifamily
FEMA Disaster Housing Programs
○ Type
: Contracts for temporary housing solutions post-disaster.
○ Agency ○ Opportunities
: Federal Emergency Management Agency (FEMA).
○
Website
: Contracts to provide housing or develop housing sites in the aftermath of natural disasters. : FEMA.gov
Bureau of Land Management (BLM) Land Contracts
Type Agency Opportunities
:Contractsformanagingpublicland. :BureauofLandManagement(BLM).
:Contractsfordevelopingland,managingpublicproperties, and acquiring land for public purposes.
Website
○ :BLM.gov
Public Housing Authorities (PHA) Contracts
Type Agency Opportunities
:Realestateservicesforpublichousingdevelopments. :LocalPHAs.
:Contractsfordevelopment,maintenance,and management of public housing units
Website
:Contactlocalhousingauthorities.
Real Estate Development for Military Housing
Type Agency Opportunities
:Contractsforbuildingmilitaryhousing. :U.S.DepartmentofDefense(DoD).
:Contractstodevelopormaintainhousingformilitary personnel and their families on or near military bases.
○ :Defense.gov
Website Opportunity Zones Development Contracts
○ :ContractsforrealestateandhousingdevelopmentsinOpportunity Zones.
Type Agency Opportunities
:Federal,State,andLocalGovernments.
:Incentivesandcontractstodevelophousingand infrastructure in designated Opportunity Zones.
Website
○ :OpportunityZones
National Park Service (NPS) Real Estate Management
○
○
○
Type Agency Opportunities
:Contractsformanagingrealestatewithinnationalparks. :NationalParkService(NPS).
:Contractsforlandandpropertymanagement,facility maintenance, and park development.
Website
○ :NPS.gov :
Community Development Block Grants (CDBG)
○
Type Agency Opportunities
:Fundingandcontractsforhousingandurbandevelopment. :HUD.
:Fundingforprojectsinvolvingaffordablehousing,real estate development, and land acquisition.
○ :CDBGProgram
Website
There are various avenues for obtaining free money or financial assistance for your business. Here are some options to consider:
1. Grants:Manygovernmentandprivateorganizationsoffergrantsforspecific types of businesses or industries. Look for:
○ SmallBusinessAdministration(SBA)grants
○ Stateandlocalgovernmentgrantstailoredtoentrepreneurs
○ Industry-specificgrants,suchasthosefortechnology,agriculture,or nonprofits.
2 Competitions:Participateinbusinessplancompetitionsorpitchcontests
Winners often receive cash prizes or investment opportunities. Websites like StartupNation and Funded Here list such competitions.
3. Crowdfunding:PlatformslikeKickstarter,Indiegogo,andGoFundMeallow you to raise money for your business idea. While this isn’t technically “free” money, it doesn’t require repayment or equity in your business
4. BusinessIncubatorsandAccelerators:Joininganincubatororaccelerator can provide funding, mentorship, and resources. Many offer seed money or grants in exchange for participating in their programs.
5. Local Nonprofits: Some nonprofit organizations provide funding for local businesses, especially those focusing on community development or specific demographics.
6. COVID-19ReliefFunds:Checkforongoingrelieffundsorgrantsfromlocal, state, and federal programs designed to support businesses affected by the pandemic.
7. FederalPrograms:LookforprogramsliketheEconomicDevelopment Administration (EDA) or the Department of Agriculture, which often have grant opportunities for various businesses.
8. CorporateSponsorships:Somelargercorporationshaveprogramstosupport small businesses in their communities through grants or sponsorship.
9. CommunityDevelopmentFinancialInstitutions(CDFIs):Theseorganizations often offer grants and low-interest loans to support underserved communities.
10.University Programs: Some universities offer funding opportunities or competitions for entrepreneurs, especially if your business has a connection to their research or community.
Research these options and ensure you meet any eligibility requirements. Applying early and thoroughly can improve your chances of securing funding.
Here are some grants you might consider for your company:
Federal Grants
Small Business Innovation Research (SBIR) Program
○ ProvidesfundingtosmallbusinessesengagedinR&Dwiththepotential for commercialization.
Small Business Technology Transfer (STTR) Program
○ SimilartoSBIR,butrequirescollaborationwitharesearchinstitution.
National Science Foundation (NSF) Grants
○ Offersgrantsforinnovativeprojectsinscienceandtechnology,including small business programs.
State Grants
Tech Development Grants State-Specific Technology Grants
○ Many states have their own technology grants. Check with your state’s economic development agency or small business administration.
○ Somestatesprovidegrantsspecificallyfortechnologydevelopmentor innovation in key industries.
Private Grants
The Ewing Marion Kauffman Foundation
○ Offersgrantstosupportentrepreneurshipandinnovation.
Comcast RISE Investment Fund
○ Provides grants to small businesses owned by people of color, including technology-focused businesses.
The Black Girl Ventures (BGV) Pitch Competition
○ OffersfundingandsupportforBlackandBrownwomenentrepreneursin tech.
Competitions and Challenges
Hackathon Grants XPRIZE Competitions
○ Variouscompetitionsthatoffersubstantialprizemoneyforinnovative solutions in tech.
○ Participatinginorwinninghackathonscansometimesleadtogrant opportunities or funding for tech projects.
Research and Development Grants
Department of Energy (DOE) Grants
○ Fortechcompaniesfocusingonenergyefficiency,renewableenergy,and related technologies.
National Institute of Health (NIH) Grants
○ Fortechcompaniesinvolvedinhealthcareinnovationorbiotech.
Additional Resources
● Grants.gov:Acomprehensivedatabaseforfederalgrantopportunities.
● FoundationCenter:Offersinformationonprivatefundingopportunities.
Be sure to review the eligibility criteria and application deadlines for each grant. Additionally, consider working with a grant writer or consultant to improve your chances of securing funding
Here’s a comprehensive list of 30 ways to crowdfund for your business:
● Apopularplatformforcreativeprojects,wherebackersreceiverewards.
Indiegogo
Kickstarter
● Offersflexiblefundingoptionsforawiderangeofprojects.
● Primarilyforpersonalcauses,butcanbeusedforbusinessstartups,especially in community-focused initiatives.
● Anequitycrowdfundingplatformwhereinvestorsreceivesharesinyour company.
● AUK-basedplatformforequitycrowdfunding,allowinginvestorstobuysharesin startup companies.
● Monthlysubscriptionmodelwherefansandsupporterscanpledgefundsin exchange for exclusive content.
● Aplatformforbothrewardsandequitycrowdfunding,aimedatsmallbusinesses.
● Afreecrowdfundingplatformforpersonalcausesandbusinessventures, focusing on community support.
● Allowsanyonetoinvestinstartupsforequity,withafocusoncommunity-oriented businesses.
● A peer-to-peer lending platform where individuals can lend money to businesses.
● Acrowdfundingplatformthatsupportscreativeprojectsandstartups.
● Focused on social enterprises, charities, and community projects, allowing businesses with a social mission to raise funds
● Aplatformthatallowsyoutocreatecampaignsforfundraising,withafocuson personal and business initiatives.
● Afundingplatformthatspecializesinlocalbusinesses,allowingcommunity members to invest.
● Anequitycrowdfundingplatformthatconnectsstartupswithinvestors.
● Anequitycrowdfundingplatformthathelpsstartupsraisecapitalfrominvestors.
● Focusedonconsumerproducts,thisplatformconnectsbrandswithinvestors.
● SimilartoPatreon,wheresupporterscanpledgeamonthlyamountinexchange for rewards.
● Aplatformthatfocusesoncrowdfundingfornonprofitorganizationsbutcanalso support social enterprises.
● Aplatformthatoffersfundraisingtoolsfornonprofitsandbusinesses,including ticketing and donation pages.
● Aplatformforequitycrowdfundingthatallowseverydaypeopletoinvestin startups.
● UtilizeplatformslikeFacebookorInstagramtorundirectfundraisingcampaigns.
● Partnerwithinfluencerstopromoteyourcrowdfundingcampaigninexchangefor a share of profits or product samples.
● Useyourwebsiteorsocialmediatoofferpre-salesofproductstogenerateinitial capital.
● Organize local events, such as bake sales or charity runs, to raise funds for your business.
● Offerpaidworkshopsorclassesrelatedtoyourbusinessexpertisetogenerate funds.
● Askfriends,family,andcommunitymembersfordonationswithoutoffering returns.
● Approachlocalbusinessesforsponsorshipinexchangeforadvertisingor branding opportunities.
● Sellbrandedmerchandiserelatedtoyourbusinesstoraisefundsandbuild community engagement.
● Offersharesinyourbusinesstofamilyandfriendsasawaytoraiseinitialcapital.
Each crowdfunding option has its unique advantages and requirements, so it’s essential to choose the one that aligns best with your business model and goals.
Bonus Area:
How do you raise capital with just a Idea and Business Plan
Raising private capital using just a business plan requires a strategic approach. Here’s a step-by-step guide to help you navigate this process effectively:
● Executive Summary: Provide a clear overview of your business, including the mission, vision, and objectives.
● MarketAnalysis:Detailyourtargetmarket,industrytrends,andcompetitive landscape.
● BusinessModel:Explainhowyourbusinesswillmakemoney,includingpricing strategies and revenue streams.
● MarketingStrategy:Outlinehowyouplantoattractandretaincustomers.
● ManagementTeam:Introducekeyteammembersandtheirrelevantexperience.
● FinancialProjections:Includedetailedforecasts,includingincomestatements, cash flow projections, and break-even analysis
● FundingRequirements:Specifyhowmuchcapitalyouneedandhowitwillbe used.
● Lookforprivateinvestors,suchasangelinvestors,venturecapitalists,or high-net-worth individuals interested in your industry.
● Networkthroughindustryevents,businessseminars,andlocalentrepreneur meetups.
● Developaconciseandvisuallyappealingpitchdecksummarizingyourbusiness plan.
● Highlightkeypoints,includingyourvalueproposition,marketopportunity,and financial projections.
● Keepitengagingandfocused,ideallyaround10-15slides.
2. Identify Potential Investors
3. Create an Investor Pitch Deck
1. Develop a Solid Business Plan
● Attendnetworkingevents,pitchcompetitions,andindustryconferencesto connect with potential investors
● Use platforms like LinkedIn to reach out to investors in your industry.
● Cultivaterelationshipsbeforeaskingformoney;investorsoftenprefertowork with those they know and trust.
● ConsiderusingplatformslikeAngelListorSeedInvesttoconnectwithpotential investors.
● Theseplatformsallowyoutoshowcaseyourbusinessplanandattractinterested parties.
● Bereadytoanswercommoninvestorquestions,including:
○ Whatmakesyourbusinessunique?
○ Howdoyouplantoscale?
○ Whatarethepotentialrisks,andhowwillyoumitigatethem?
○ Whatreturncaninvestorsexpect?
7. Follow Up with Interested Parties
● Afterinitialmeetingsorpresentations,followupwithinterestedinvestorstokeep the conversation going.
● Beproactiveinprovidingadditionalinformationandansweringanyquestions they may have.
● Depending on your business model, consider offering equity or convertible notes as part of your funding structure.
● Clearlyoutlinethetermsofinvestmenttoensuretransparencyandbuildtrust.
● Presentyourbusinessplanrealistically;acknowledgechallengesand demonstrate how you plan to overcome them.
● Buildingcredibilityiskeytosecuringinvestment.
● Onceyouhaveinterestedinvestors,negotiatetermsandfinalizetheinvestment agreements
● Considerhiringalawyertohelpdraftcontractsandensurecompliancewith regulations.
● Keepinvestorsupdatedonyourprogressandinvolvetheminkeydecisionsif appropriate.
● Buildingapositiverelationshipcanleadtofuturefundingopportunities.
By focusing on creating a compelling business plan and effectively networking, you can attract private capital even with just a well-prepared document.
Prepare Proposal Documentation
○ Eachgovernmentcontractopportunityrequiresaproposal.Thisincludes technical details about your services, cost estimates, and how your business will meet the contract requirements.
Requests for Proposal (RFP) (RFQ) Network with Agencies
○ Respondto andRequestsforQuotes with detailed bids that meet the agency’s needs.
○ Buildrelationshipswithagenciesyouwanttoworkwithbyattending conferences, agency events, or small business networking events.
Subcontracting Submit Your Bid
○ Lookinto opportunitiesbypartneringwithaprime contractor.
○ Prepare your bid proposal according to the instructions in the RFP/RFQ.
○ Submitthebidbythestateddeadlinethroughthedesignatedsystemor portal.
Negotiate and Secure Contract
○ Ifyourbidisselected,bepreparedtonegotiatetermsandfinalizethe contract.
If you're looking for free money to assist with down payments on a new home, there are several programs and grants available, particularly for first-time homebuyers Here are some options and organizations that offer assistance:
1. Down Payment Assistance Programs (DPA)
Down Payment Assistance (DPA) programs provide either grants or low- to no-interest loans to help cover the costs of your down payment and closing costs.
a. Federal Housing Administration (FHA) Down Payment Assistance
require a minimum down payment of just 3.5%, but various organizations provide assistance to cover this cost for eligible buyers.
Website: hud.gov
b. State Housing Finance Agencies (HFAs)
Most states have Housing Finance Agencies that offer down payment assistance programs, typically for first-time buyers or low- to moderate-income households.
● ActionStep:Visityourstate’shousingfinanceagencywebsite.Forexample:
California:CalHFA
Florida:FloridaHousing
Texas: Texas State Affordable Housing Corporation (TSAHC)
c. Local Down Payment Assistance Programs
Many cities and counties offer localized assistance programs to help homebuyers.
● ActionStep:Searchfordownpaymentassistanceinyourcityorcounty
d. Good Neighbor Next Door Program (HUD)
This program offers significant discounts for teachers, law enforcement officers, firefighters, and emergency medical technicians in revitalization areas.
● Website:hud.gov
e. Chenoa Fund
Chenoa Fund is a nationwide provider of down payment assistance for borrowers with an FHA loan They offer 3 5% down payment assistance, which can be forgivable based on certain criteria
● Website:chenoafund org
2. First-Time Homebuyer Programs
a. HomeReady and Home Possible by Fannie Mae and Freddie Mac
Both programs offer low down payment options (as low as 3%) and flexible credit guidelines Some states and lenders will combine these with down payment assistance programs
● ● FannieMaeHomeReady:fanniemae.com FreddieMacHomePossible:freddiemac.com
b. USDA Rural Development Loans
If you're buying a home in a designated rural area, the USDA offers loans that don’t require a down payment Many of these loans also come with low-interest rates and income-based eligibility
● Website:usda.gov
3. Veterans Down Payment Assistance
a. VA Home Loans (No Down Payment Required)
Veterans and active-duty military members may qualify for VA home loans, which typically require no down payment and offer competitive interest rates.
●
Website: va gov
b. PenFed Foundation Dream Makers Program
This program offers grants for down payments to low- to moderate-income veterans and active-duty personnel buying their first home.
● Website:penfedfoundation org
4. Native American Homebuyer Assistance
a. Section 184 Indian Home Loan Guarantee Program
This program offers low down payments and flexible underwriting for Native Americans. It’s designed to help individuals buy homes on or off tribal lands.
● Website:hud gov
5. Grants for Specific Groups
a. National Homebuyers Fund (NHF)
The NHF offers down payment assistance of up to 5% of the mortgage loan amount. This program is available through a network of participating lenders nationwide.
● Website:nhfloan org
b. Community Seconds (Fannie Mae)
This program allows homebuyers to use funds from state or local governments, nonprofits, or employers to cover their down payment.
● Website:fanniemae.com
6. Employer-Assisted Housing Programs
Some employers offer down payment assistance programs as part of employee benefits packages. These may include grants or forgivable loans. Examples include large employers, universities, and hospitals.
a. Employer Housing Assistance
● ActionStep:
Check with your HR department to see if your employer offers any homebuyer assistance programs.
7. Non-Profit and Charitable Organizations
a. Neighborhood Assistance Corporation of America (NACA)
NACA provides mortgage counseling and has a no-down-payment, no-closing-cost mortgage program for eligible buyers
● Website:naca.com
b. Habitat for Humanity
Habitat for Humanity assists with affordable homeownership, often providing homebuyers with low- to no-interest loans and down payment assistance.
● Website:habitat org
How to Apply for Down Payment Assistance
1 ResearchLocalPrograms:Startbyresearchingdownpaymentassistanceprogramsinyour state, city, or county through your Housing Finance Agency or local government
MeetEligibilityRequirements:Mostprogramshaveincomelimits,andsomerequireyouto complete a homebuyer education course
PartnerwithaLender:Workwithalenderwhohasexperiencewithdownpaymentassistance programs
CompleteNecessaryApplications:Eachprogramwillhaveitsownapplicationprocess You may need to submit documentation such as proof of income, credit history, and homebuyer education certification 2. 3. 4
By exploring these options, you can find the financial assistance you need to make buying a home more affordable Let me know if you'd like more information on any specific program!
Here’s a list of nonprofit organizations that offer down payment assistance (DPA) for homebuyers. These nonprofits work to help make homeownership accessible by offering grants or low-interest loans that can cover down payment and closing costs:
1. National Homebuyers Fund (NHF)
● Website: nhfloan.org
● Description: The NHF provides down payment assistance of up to 5% of the mortgage loan amount. This program is available through a network of participating lenders and is aimed at helping low- to moderate-income individuals and families.
2. Neighborhood Assistance Corporation of America (NACA)
● Website: naca.com
● Description: NACA offers mortgage counseling and a unique program that eliminates the need for a down payment, closing costs, or private mortgage insurance (PMI). NACA is designed for low- and moderate-income buyers, offering below-market interest rates.
3. Community Development Block Grant (CDBG) Program
● Website: hud.gov
● Description: Administered by the U.S. Department of Housing and Urban Development (HUD), this program provides grants to local governments, which then offer assistance to homebuyers, including down payment help.
4. Chenoa Fund
● Website: chenoafund.org
● Description: A nationwide program that offers down payment assistance to FHA loan borrowers. The fund provides 3.5% assistance and, in some cases, this amount can be forgivable.
5. Habitat for Humanity
● Website: habitat.org
● Description: Habitat for Humanity helps people build their homes and offers affordable homeownership solutions. In many cases, homebuyers contribute "sweat equity" in place of traditional down payments and may qualify for additional assistance.
6. Operation HOPE
● Website: operationhope.org
● Description: Operation HOPE offers a variety of financial literacy programs, including homebuyer education and counseling. They partner with organizations and lenders to provide down payment assistance for qualified individuals.
7. Homeownership Assistance Fund (HAF)
● Website: homeownershipassistancefund.com
● Description: HAF partners with lenders to provide down payment assistance, closing cost help, and other homebuyer resources to low- and moderate-income individuals.
8. National Council of State Housing Agencies (NCSHA)
● Website: ncsha.org
● Description: NCSHA offers a comprehensive directory of state housing agencies that may provide down payment assistance. Many state agencies partner with nonprofits to offer homebuyer grants and low-interest loans for down payments.
9. Local Initiatives Support Corporation (LISC)
● Website:
lisc.org
Description: LISC works in communities across the U.S. to provide down payment assistance and other homeownership programs, particularly in low-income areas.
10. NeighborWorks America
● Website: neighborworks.org
Description: NeighborWorks America is a nonprofit that partners with community-based organizations to offer homebuyer education and down payment assistance programs. They focus on underserved communities.
11. Housing Partnership Network (HPN)
● Website: housingpartnership.net
● Description: HPN is a network of housing nonprofits across the U.S. that provide affordable housing solutions, including down payment assistance and homeownership education.
12. HomeFree-USA
● Website: homefreeusa.org
Description: HomeFree-USA provides down payment assistance and works with individuals to improve their financial situation through counseling and education.
13. The Homeownership Preservation Foundation (HPF)
● Website: 995hope.org
● Description: HPF helps homeowners and potential homebuyers by offering resources, counseling, and assistance in securing down payment help.
14. Veterans United Foundation (For Veterans)
● Website: veteransunited.com
● Description: Veterans United Foundation offers grants and financial assistance to veterans and active-duty military personnel, including down payment assistance.
15. PenFed Foundation Dream Makers Program (For Veterans)
● Website: penfedfoundation.org
● Description: This program provides down payment and closing cost assistance to low- to moderate-income veterans and military personnel buying their first home.
16. United States Department of Agriculture (USDA) Section 502 Loans
● Website: usda.gov
● Description: USDA offers low-income rural homebuyers loans with no down payment requirement and partners with local nonprofits to provide assistance in rural areas.
How to Access Down Payment Assistance from Nonprofits:
1. Research Local Programs: Many nonprofits partner with state or local governments to offer down payment assistance. Check local housing agencies for nonprofit partners.
2. Complete Homebuyer Education: Many programs require applicants to complete a homebuyer education course through the nonprofit or a partner organization.
3. Partner with a Participating Lender: Some nonprofit programs work directly with a network of lenders. You'll need to use one of these lenders to qualify for assistance.
4. Eligibility Requirements: Nonprofits often base their assistance on income limits, geographic location, or status as a first-time homebuyer. Be sure to meet these criteria before applying.
These nonprofits provide essential resources to help make homeownership more accessible and affordable, especially for low- to moderate-income families and individuals. Let me know if you need more information on a specific organization!
Here's the list of real estate investment trust (REIT) companies that provide lending services, along with their websites and contact numbers (where available): These companies have lending programs designed for real estate investments, ranging from residential to commercial projects. Be sure to contact them directly or visit their websites for more specific information on their lending products and terms.
1. AnnalyCapitalManagement,Inc.(NLY)
○ Website:www.annaly.com
○ Phone:(212)696-0100
2. StarwoodPropertyTrust(STWD)
○ Website:www.starwoodpropertytrust.com
○ Phone:(203)422-7700
3. BlackstoneMortgageTrust,Inc.(BXMT)
○ Website:www.blackstonemortgagetrust.com
○ Phone:(212)583-5000
4. AGNCInvestmentCorp.(AGNC)
○ Website:www.agnc.com
○ Phone:(301)968-9315
5. ApolloCommercialRealEstateFinance,Inc.(ARI)
○ Website:www.apollocref.com
○ Phone:(212)515-3200
6. LadderCapitalCorp(LADR)
○ Website:www.laddercapital.com
○ Phone:(212)715-3170
7. InvescoMortgageCapitalInc.(IVR)
○ Website:www.invescomortgagecapital.com
○ Phone:(800)341-2929
8. HannonArmstrongSustainableInfrastructureCapital,Inc.(HASI)
○ Website:www.hannonarmstrong.com
○ Phone:(410)571-9860
9. ArborRealtyTrust,Inc.(ABR)
○ Website:www.arbor.com
○ Phone:(516)506-4200
10. TPG RE Finance Trust, Inc. (TRTX)
○ Website:www.tpgrefinance.com
○ Phone:(212)601-4700
11. Ares Commercial Real Estate Corporation (ACRE)
○ Website:www.arescre.com
○ Phone:(212)750-7300
12. New York Mortgage Trust, Inc. (NYMT)
○ Website:www.nymtrust.com
Phone:(212)792-0107
Redwood Trust, Inc. (RWT)
○
Website:www redwoodtrust com ○ Phone:(866)269-4976
Ready Capital Corporation (RC)
○ Website:www readycapital com
○ Phone:(212)257-4600
Great Ajax Corp (AJX)
○ Website:www.great-ajax.com
○ Phone:(503)505-5670
PennyMac Mortgage Investment Trust (PMT)
○ Website:www.pennymacmortgageinvestmenttrust.com
Phone:(818)224-7442
Ellington Financial Inc. (EFC)
○ Website:www.ellingtonfinancial.com
Phone:(203)409-3575
KKR Real Estate Finance Trust Inc. (KREF)
○ Website:www.kkrreit.com
○ Phone:(212)750-8300
Broadmark Realty Capital Inc. (BRMK)
○ Website:www.broadmark.com
○ Phone:(206)971-0800
Walker & Dunlop, Inc. (WD)
○ Website:www.walkerdunlop.com
○ Phone:(301)215-5500
Granite Point Mortgage Trust Inc. (GPMT)
○ Website:www.gpmtreit.com
○ Phone:(212)364-5500
Two Harbors Investment Corp. (TWO)
○ Website:www.twoharborsinvestment.com
○ Phone:(612)453-4100
MFA Financial, Inc. (MFA)
○ Website:www mfafinancial com
○ Phone:(212)207-6400
Rithm Capital Corp. (RITM)
○ Website:www rithmcap com
○ Phone:(212)850-7700
Chimera Investment Corporation (CIM)
● Website:www.chimerareit.com ● Phone:(888)895-6557
Dynex Capital, Inc. (DX)
● Website:www.dynexcapital.com
● Phone:(804)217-5800
Mortgage Corporation (CMO)
● Website:www.capstead.com
● Phone:(214)874-2323
New Residential Investment Corp. (NRZ)
(now part of Rithm Capital)
● Website:www rithmcap com
● Phone:(212)850-7700
Western Asset Mortgage Capital Corporation (WMC)
● Website:www.westernassetmcc.com
● Phone:(626)844-9400
ARMOUR Residential REIT, Inc. (ARR)
● Website:www.armourreit.com
● Phone:(772)617-4340
Great Elm Capital Corp (GECC)
● Website:www.greatelmcc.com
● Phone:(617)375-3006
Real Estate Investment Trust (GRP.U)
● Website:www.granitereit.com
● Phone:(416)366-8300
iStar Inc. (STAR)
(now merged with Safehold Inc.)
● Website:www safeholdinc com
● Phone:(212)930-9400
SAFEHOLD Inc (SAFE)
● Website:www.safeholdinc.com
● Phone:(212)930-9400
ACRES Commercial Realty Corp. (ACR)
● Website:www.acresreit.com
● Phone:(516)535-0015
Capstead
Granite
● Website:www.onereit.ca
● Phone:(416)598-8200
RAIT Financial Trust (RAS)
● Website:www.rait.com
● Phone:(215)207-2100
Urban Edge Properties (UE)
● Website:www.uedge.com
● Phone:(212)956-2556
Hersha Hospitality Trust (HT)
● Website:www.hersha.com
● Phone:(717)236-4400
Independence Realty Trust, Inc. (IRT)
● Website:www.irtliving.com
● Phone:(267)270-4800
Spirit Realty Capital, Inc. (SRC)
● Website:www.spiritrealty.com
● Phone:(972)476-1900
Piedmont Office Realty Trust, Inc (PDM)
● Website:www.piedmontreit.com
● Phone:(770)418-8800
American Finance Trust, Inc. (AFIN)
● Website:www.americanfinancetrust.com
● Phone:(866)902-0063
STORE Capital Corporation (STOR)
● Website:www.storecapital.com
● Phone:(480)256-1100
EPR Properties (EPR)
● Website:www.eprkc.com
472-1700 ● Website:www.globalnetlease.com
Phone:(866)902-0063
Funding Co. TCI Business Capital American Receivable Global Net Lease, Inc. (GNL)
Here is a list of 40+ factoring companies that provide financing solutions, such as invoice factoring and accounts receivable financing. Where available, I've included their websites and contact information.
Funding Corporation 1-10
○ Website:www.bluevine.com
Phone:(888)216-9619
Financial Group Triumph Business Capital
○ Website:www.triumphbcp.com
Phone:(866)638-8700
○ Website:www.tcicapital.com ○ Phone:(800)707-4845
○ Website:www.americanreceivable.com ○ Phone:(800)297-6652
Riviera Finance
○ Website:www.rivierafinance.com ○ Phone:(800)872-7484
○ Website:www.factorfunding.com ○ Phone:(866)245-0020
○ Website:www.paragonfinancial.net
Phone:(866)972-0929
○ Website:www.universalfunding.com ○ Phone:(800)405-6035
○ Website:www.crestmark.com ○ Phone:(888)999-8050
○ Website:www.altline.sobanco.com
Phone:(205)605-4858
○ Website:www.fundbox.com
Phone:(855)572-7707
○ Website:www.portercap.com
Phone:(800)737-7344
Advance Business Capital (TriumphPay)
○ Website:www.advancebcap.com
Phone:(877)275-4524
○ Website:www.factoringexpress.com
○ Phone:(888)825-1570
○ Website:www.factorfinders.com
○ Phone:(855)322-8671
○ Website:www.rtsfinancial.com
○ Phone:(877)927-8293
1st Commercial Credit
○ Website:www.1stcommercialcredit.com
○ Phone:(800)876-6071
○ Website:www.ecapital.com
○ Phone:(800)705-1500
Diversified Funding Services, Inc.
○ Website:www.diversifiedfunding.com
○ Phone:(800)805-8380
TBS Factoring Service
eCapital Fundbox Porter Capital RTS Financial FSW Funding Factoring Express Factor Finders, LLC Blue Ridge Financial
○ Website:www.tbsfactoring.com ○ Phone:(800)207-7661
○ Website:www.blueridgefactoring.com ○ Phone:(888)899-8050
○ Website:www.fswfunding.com
○ Website:www.interstatecapital.com
○ Phone:(800)422-5995
○ Website:www.prnfunding.com
○ Phone:(866)776-5407
○ Website:www.factorbrokers.com
○ Phone:(844)214-7224
○ Website:www.gatewaycfs.com
○ Phone:(855)424-2955
○ Website:www.mpstarfinancial.com
Phone:(800)833-3765
○ Website:www.triumphpay.com
○ Phone:(866)638-8700
○ Website:www.republicbc.com
○ Phone:(866)722-4987
○ Website:www.occfactor.com
○ Phone:(800)536-5959
○ Website:www.charcap.com
○ Phone:(877)960-1818
○ Website:www.primerevenue.com ○ Phone:(404)665-3750
○ Website:www.gatewaytradefunding.com
○ Phone:(847)550-1100
○ Website:www.bayviewfunding.com
○ Phone:(888)229-9993
○ Website:www.lsq.com
Phone:(407)548-5000
○ Website:www.capitalplus.com
Phone:(865)670-2345
AltLINE by The Southern Bank
○ Website:altline.sobanco.com
Phone:(205)313-8100
SouthStar Capital
○ Website:www southstarcapital com
Phone:(800)763-6460
○ Website:www.rfifactoring.com
Phone:(800)774-0022
○ Website:www.accutraccapital.com
Phone:(855)822-2888
Interstate Capital Corp.
○ Website:www interstatecapital com
○ Phone:(800)422-5995
Gateway Commercial Finance
○ Website:www.gatewaycfs.com
○ Phone:(855)424-2955
TradewindFinance
Transfac Capital Accutrac Capital
○ Website:www.tradewindfinance.com
○ Phone:(212)256-9300
Liquid Capital Corp.
○ Website:www.liquidcapitalcorp.com
○ Phone:(888)548-3799
EQUIPTMENT FINANCING COMPANIES
Receivables Financing International (RFI) 1-10
○ Website:www.transfaccapital.com ○ Phone:(800)458-6056 CIT Group
○ Website:www.cit.com
Phone:(866)777-0117
○ Website:www.balboacapital.com ○ Phone:(888)225-2621
○ Website:www.nationalfunding.com
○ Phone:(888)733-2383
○ Website:www.truist.com
○ Phone:(844)487-8478
○ Website:www.beaconfunding.com
○ Phone:(847)423-0733
Wells Fargo Equipment Finance
○ Website:www.wellsfargo.com/com/financing/equipment-financing
○ Phone:(888)705-4772
○ Website:www.leafnow.com
○ Phone:(800)819-5556
○ Website:www.firstcapitalbusinessfinance.com
○ Phone:(888)510-4430
○ Website:www.taycor.com
○ Phone:(800)322-9738
○ Website:www ascentiumcapital com
○ Phone:(866)722-8500
○ Website:www.usbfund.com
○ Phone:(877)875-3225
○ Website:www.ondeck.com
○ Phone:(888)269-4246
○ Website:www.marlincapitalsolutions.com
○ Phone:(888)479-9111
○ Website:www.pnc.com
○ Phone:(877)762-5633
○ Website:www hitachicapitalamerica com
Phone:(800)774-5070
Financial Pacific Leasing
○ Website:www.finpac.com
Phone:(800)447-7107
AP Equipment Financing
○ Website:www.apfinancing.com
○ Phone:(800)604-4817
Equify Financial
○ Website:www.equifyfinancial.com
○ Phone:(817)490-6800
Crest Capital
○ Website:www.crestcapital.com
○ Phone:(800)245-1213
National Business Capital & Services
○ Website:www.nationalbusinesscapital.com
○ Phone:(877)482-3008
21-30
Providence Capital Funding
○ Website:www.providencecapitalfunding.com
○ Phone:(800)341-1288
Balboa Thrift and Loan Association
○ Website:www.balboathrift.com
○ Phone:(800)858-3457
Priority Leasing
○ Website:www.priorityleasing.net
○ Phone:(877)938-7710
Equitable Bank Equipment Financing
○ Website:www equitablebank com
○ Phone:(866)870-7970
DLL Finance
○ Website:www.dllgroup.com
○ Phone:(800)736-0220
First American Equipment Finance
○ Website:www.faef.com
○ Phone:(800)801-3830
Bank of the West Equipment Finance
○ Website:www.bankofthewest.com
○ Phone:(800)488-2265
TIAA Commercial Finance
○ Website:www.tiaabank.com
○ Phone:(800)846-6678
Insight Financial Services
31-40
○
Website:www.insightfinancialservices.com ○ Phone:(877)729-7762
Bankers Leasing Company
○ Website:www.bankersleasing.com
○ Phone:(515)777-7588
SLS Financial Services
○ Website:www.slsfinancial.com ○ Phone:(816)753-7400
Summit Funding Group
○ Website:www.summit-funding.com
○ Phone:(800)497-0930
Liberty Capital Group
○ Website:www.libertycapitalgroup.com ○ Phone:(888)865-3768 Meridian Equipment Finance
○ Website:www.meridianleasing.com ○ Phone:(847)940-1200
CapX Partners
○ Website:www.capxpartners.com
○ Phone:(312)878-1334
Northland Capital Financial Services
○ Website:www.northlandcapital.com
○ Phone:(800)471-2122
BancLease Acceptance Corporation
○ Website:www.banclease.com
○ Phone:(405)720-6200
Commercial Fleet Financing, Inc.
○ Website:www.cffnationwide.com
○ Phone:(469)281-2962
Amur Equipment Finance
○ Website:www.amuref.com
○ Phone:(800)994-0016
First Financial Equipment Leasing
○ Website:www.ffb1.com
○ Phone:(800)562-6896
41-50
North Mill Equipment Finance
○ Website:www.northmillef.com
Phone:(800)223-6630
Phone:(800)990-4828
Phone:(877)975-7464
Phone:(860)432-5858 ○ Website:www.westernfin.com
Phone:(800)451-7087
○ Website:www.fbfcwi.com
Phone:(262)560-2000 Website:www.sterlingbancorp.com Phone:(212)757-3300
