Single mothers with dreams have been able to make them a reality with grants. Some have been able to seek higher education to prepare themselves for better job opportunities. Others have started their own business or grown one they already had.
Many mothers have just simply been able to care for their children by giving them a roof over their heads, nutritious foods, and quality health care. Grants have helped many women do what they knew they could do, but didn’t have the money to do it.
- 1 What is a Grant?
- 2 How to Get a Grant?
- 3 Types of Grants
- 4 Government Grants for Single mothers: Free money from the government
- 5 College Grants for Single Mothers
- 6 Financial Aid for Single Mothers
- 7 Housing Grants for Single Mothers
- 7.1 FEMA Grants (Federal Emergency Management Agency)
- 7.2 HUD Grants (Housing and Urban Development)
- 7.3 Section 8 Housing Program
- 7.4 LIHEAP (Low Income Home Energy Assistance Program)
- 7.5 ADDI (American Dream Down Payment Initiative)
- 7.6 HOME Investment Partnership Program
- 7.7 Housing Counseling Assistance Program
- 8 Business Grants for Single Mothers
- 9 Small Business Grants for Single Mothers
- 10 Minority Business for Single Mothers
- 11 Personal Grants for Single Mothers
- 12 Daycare Grants for Single Mothers
What is a Grant?
A grant is money or another form of assistance given to you by an organization, corporation, foundation, educational institution or trust. You don’t ever have to pay it back. This is much different than a loan because there’s no interest attached to it or repayment. It’s essentially money or assistance awarded to you to use for what the grant guidelines specify. The added bonus is grants are tax exempt.
How to Get a Grant?
Grants are not easy to get. They are the most difficult because there aren’t as many available as there are scholarships and loans. To receive a grant, you must search, apply, and repeat.
One of the best places to find grants is online. Using major search engines such as Google, Bing, and Yahoo will bring up many grant opportunities. By following the links listed, you can usually find grants you can apply to online or by sending the required information by mail.
Besides using major search engines, you can also use websites that specialize in helping people find grants for their specific needs. For example, Grant Forward is a site that asks users to create a profile. The profile is used to help them find available grants. Users can also use the site’s search engine to find grants based on keywords.
It can be useful to contact associations, foundations, and corporations in the industry you are seeking to use the grant in. Many times, these entities will offer grants for those that want to do something different in the industry or simply work in it by pursuing a higher education.
To apply to grants, simply make sure you are eligible first. If you do not meet every single eligibility requirement, do not apply because you won’t be considered. Those giving out grants want to award money to specific people and rarely bend the rules.
If you meet all of the eligibility requirements, you can move on to completing the application and sending all of the information they request. Once you send the grant package in for review, all that’s left to do is wait, and apply to many more.
Types of Grants
Government Grants for Single mothers: Free money from the government
Government grants are given to people and organizations for a variety of reasons. Since U.S. tax dollars is what goes into many of the grants awarded, the government makes sure they are strict with whom and what they give the money to.
The Small Business Administration, which is part of the federal government, awards grants to non-profit and educational organization. They do not award them to small businesses. State and local government programs have the funds to help small businesses in their community.
Some of the grants offered to the community at the state and local level are given in the form of aid. For example, some governments provide financial assistance to child care centers, tourism centers, and entities responsible for energy efficiency technology.
Communities can sometimes receive a block grant from the U.S. government. The Community Development Block Grant (CDBG) program was implemented in 1974 to help communities with their developmental needs. It is now one of the longest running programs part of the U.S. Department of Housing and Urban Development (HUD).
All applicants must be classified as having a low to moderate income for the area they reside. Low to moderate income is usually based on the Section 8 low income limit, which is determined by HUD. Those that receive the grant must use at least 70 percent of it on supporting activities that help others with a low and moderate income.
There’s no set amount awarded. HUD determines how much each grant will be based on a community’s needs. Needs are determined by the poverty level, population, overcrowded housing, the age of housing, population growth, and how this all compares to other metropolitan areas across the country.
NIH Grants (National Institute of Health)
The NIH awards grants to financially support initiatives to enhance health and increase people’s lives. Many of the grants are given to those wanting to do research, but they are also given for trainings, fellowships, conferences and construction.
The NIH considers only highly scientific projects relevant to public health and fall within the priorities of the NIH Institute and Center (IC). Eligibility requirements depend on the grant program you are applying to, but most of them accept proposals from scientists, pre-doctoral students, and investigators. Many of the programs do not require applicants to be U.S. citizens, so if you are not, make sure the one you want to apply to accepts international candidates.
Funds differ for every program and they are different ever year. Each year, the NIH obtains a budget from Congress. This budget comes from collaborating with scientists to figure out how much promising research can be done in the upcoming year. This information is then used to come up with a figure to cover the cost. This request is then submitted to The United States Department of Health and Human Services for approval.
WIA Grant (Workforce Investment Act)
The Workforce Investment Act (WIA) was implemented by the federal government. The mission of this act is to support workforce development activities on the state and local level. The activities put forth by WIA help people prepare for jobs and find them by offering classes, training, and job search tools.
All individuals using the services provided by WIA must be at least 18 years old. The services are for laid off workers who won’t be returning to the same industry as they did before, displaced homemakers, and those who were self-employed.
The grant is given to job centers across the United States. The amount each job center receives depends on the needs of each community. The more joblessness there is, the more funding they receive to help job seekers.
From the funding, there are three types of services offered to users of the job center.
1. Core Services: This provides people with labor market information, skill level assessments and help with job searching.
2. Intensive Services: People who have completed one core service are able to move on to intensive services. These people are unable to obtain or maintain employment despite the help they received from the core services. Intensive services provide assistance with personal self-sufficiency to increase the likelihood users will be able to sustain employment.
3. Training Services: If people are not able to maintain employment after receiving core and intensive services, they move on to training services. This program finances training program for individuals, so they have a higher chance of getting a job and keeping it. Every person receives an Individual Training Account to use for the training program selected.
Note: Each state varies in the services they offer.
TANF (Temporary Assistance for Needy Families)
TANF helps families in financial need achieve self-sufficiency. Each state receives a government block grant to provide services and money to families who meet the eligibility requirements. Some of the services families can receive from TANF are job training, counseling, education, and emergency funding.
Each state varies with their eligibility requirements. All states maintain the requirement that applicants must have dependent children or are in their last three months of pregnancy. All applicants must also be residents of the state where they are applying, and be a U.S. citizen or eligible noncitizen.
Grant amounts also vary among states. The amount people receive from TANF depends on the money the state receives. This explains the discrepancy many see when looking at the benefits some receive in one state compared to another. For example, in 2011, the average TANF monthly assistance was $694, but in D.C. it was only $428. Individual differences are also a factor since benefits are determined based on financial need.
WIC (Women, Infants, and Children)
WIC is known as the Special Supplemental Nutrition Program for Women, Infants, and Children. This federal program awards grants to states to help women who are pregnant or have children buy health foods, seek affordable health care, and attend classes about nutrition and breast feeding.
The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) provides federal grants to States for supplemental foods, health care referrals, and nutrition education for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children up to age five who are found to be at nutritional risk.
Only women and their children are eligible for WIC. They must either have a child 5 years or younger or be pregnant with a risk for nutritional deficiencies. Their income must also fall at or below 185 percent of the poverty line.
Specifically, women can receive assistance during pregnancy and 6 weeks after giving birth. Women can also apply for assistance for their children up to six months after birth. Breastfeeding mothers can receive assistance up the child’s first birthday.
Infants can receive assistance until their first birthday. Children can receive it until their fifth birthday.
All applicants must reside in the state they are applying for financial assistance. There is no minimum time to be living in a state before being able to apply though.
As part of the screening process, all applicants must see a health professional (nurse, physician, or nutritionist) to determine nutritional risk.
There is no set grant amount awarded. Each state receives a different grant amount each year depending on the community’s needs. Each person receives benefits depending on their financial need and nutritional risk of themselves and their children.
SNAP (Supplemental Nutrition Assistance Program)
SNAP helps low-income individuals and their families through state agencies pay for nutritious food to maintain health. The Food and Nutrition Service program connects with nutrition educators, community organizations, and state agencies to help people understand the benefits of SNAP and apply for them.
Countable resources cannot exceed $2,000. An example of a countable resource is a bank account. The maximum countable resource for individuals 60 years or older is $3,250. Supplemental Security Income (SSI), Temporary Assistance for Needy Families, and retirement or pension plans are not included in counted resources.
For those receiving TANF, SSI or other assistance, income tests must be given. These households must meet the gross and net tests. An elderly person or someone on disability only has to meet the net income test.
Your gross income is your monthly income before taxes. It must be 200% of the federal poverty level for families with children or a pregnant woman. This also goes for people 60 years or older. Gross income must be 130% of the federal poverty level for those between the ages 18 to 60, are not disabled, and do not have any children living with them under the age of 19. It also applies to households with sanctioned members.
Net income is the money you receive after taxes and all other deductions. The following shows the net monthly income allowed for SNAP.
(Oct. 1, 2013 through Sept. 30, 2014)
|Household Size||Gross monthly income(130 percent of poverty)||Net monthly income(100 percent of poverty)|
|Each additional member||+436||+335|
Benefits are called allotments. The allotment for each household is determined by multiplying net monthly income by .3 and then subtracting maximum allotment amount for the size of the household.
Maximum allotment amounts are as follows:
(November 1, 2013 through September 2014)
|People in Household||Max Monthly Allotment|
|Each additional person||$ 142|
Individuals and families receive free or low cost health insurance with Medicaid. Children may be able to receive coverage from the Children’s Health Insurance Program (CHIP).
Low-income individuals and families may be eligible for Medicaid or CHIP. Eligibility requirements vary from one state to another, but they all use the Federal Poverty Level (FPL) to calculate eligibility. As of January 1, 2014, the Affordable Care Act created a minimum eligibility level of 133% of the FPL.
Every state determines the Medicaid and CHIP benefits for its recipients. All states have mandatory benefits they must provide, according to the United States Federal Government.
These mandatory benefits are:
• Inpatient hospital services
• Outpatient hospital services
• Nursing Facility
• Home Health
• Rural health clinic
• Federal health clinic
• Laboratory and X-ray
• Family planning
• Nurse midwife
• Certified Pediatric and Family Nurse
• Birth center
• Medical care transportation
• Tobacco cessation counseling for pregnant women
EITC (Earned Income Tax Credit)
Those with a low income may be able to keep more of their money they earned. With the EITC, the government may lower tax responsibility in the form of a tax credit.
Anyone interested in the EITC must have a social security and earned an income in the last year.
Income must be less than:
• $37,870 with one qualifying child
• $43,038 with two qualifying children
• 46,227 with three or more qualifying children
A qualifying child must have a social security number. He or she must be a son, daughter, sibling, step-sibling, niece, nephew, grandchild, adopted, step, or foster. The child must be younger than you by the last day of the year and be under 19 years old or 24 years old if a full time college student. He or she must live with you for half the year, and cannot be claimed on anyone else’s tax return.
In addition to the income requirements, you must not have more than $3,300 in income from investments, file your taxes “married, filing jointly,” be claimed as a qualifying child, or claim foreign income.
The amount depends on how much you earned and how much you owe in taxes.
College Grants for Single Mothers
This grant helps people wanting to seek a higher education to become a teacher. There are strict stipulations that come along with the grant that must be met or the awarded amount turns into a loan. The TEACH Grant Agreement to Serve states you need to teach in a high need field at an elementary, secondary school, or educational service agency for low-income families. You must work in one of these settings for at least four years within eight years of completing the teaching program.
Promising to and signing the TEACH Grant Agreement to Serve aren’t the only eligibility requirements. Interested applicants must meet the criteria for the federal student aid programs and complete the Free Application for Federal Student Aid. They must also be enrolled in a school and program recognized by the TEACH Grant Program and maintain a GPA of 3.25 or higher. The final requirement is to seek TEACH Grant counseling, which explains the terms and conditions of your obligation following graduation.
Students of the TEACH Grant Program can receive up to $4,000 a year to cover education costs.
MacArthur Genius Grant
The MacArthur Genius Grant is also known as the MacArthur Fellowship. It’s a five-year grant for individuals with exceptional creativity. The grant enables highly innovative people to pursue their passions to come up with outstanding advancements. There are no conditions on the grant. When people are awarded this grant, they can do whatever they please with it. However, it’s expected it will be used to further the creativity of the grantee to do great things in life.
Individuals cannot apply for this grant, they must be nominated. Exceptional creativity must be proven with achievements and a portfolio. The foundation favors those who are limited in pursuing their extraordinary passions because of money. All nominees must be U.S. citizens, not hold elective office or be in a high government position.
MacArthur Fellowship awards a stipend of $625,000. This is paid in quarterly installments for five years.
NSF Grants (National Science Foundation)
Individuals interested in research and education in the science and engineering field may want to search the National Science Foundation database of grants. This foundation awards many grants every year to help people advance the science and engineering industries. In fact, the foundation provides 20 percent of the federal funding that goes into research.
Program areas include:
• Biological Sciences
• Computer & Information Science & Engineering
• Education and Human Resources
• Environmental Research & Education Geosciences
• International & Integrative Activities
• Mathematical & Physical Sciences
• Social, Behavioral & Economic Sciences
Eligibility requirements differ depending on the grant opportunity. It’s essential to review the eligibility requirements listed for the particular program you’re interested in.
Grant amounts vary greatly depending on the project. It also depends on your proposal and the availability of funding.
SMART Grant , ACG (Academic Competitiveness Grant)
The Academic Competitiveness Grant (ACG) and the National Science and Mathematics Access to Retain Talent, which is the National SMART Grant, are used to help students grow in the areas of math and science. The purpose of the grant is to persuade students to take more challenging courses in high school, so they can be more successful in college. It’s also hoped these grants will lead students to major in some of the most difficult disciplines such as technology, engineering, mathematics, science, and foreign language.
For these grants, students must hold a GPA of at least 3.0. The National SMART Grant requires students to be also receiving the Pell Grant. All applicants must be U.S. citizens and be enrolled in a school where they can earn a four-year degree.
All grant awardees receive $4,000 a year to pay for tuition and other school related fees. This money does not affect other state and federal grants received.
Both of these grants are competitive, but students with eagerness in the disciplines mentioned above should apply if they meet eligibility.
AAUW (American Association of University Women)
The AAUW has many grants and fellowships available to women: American Fellowships, Career Development Grants, Community Action Grants, International Fellowships, International Project Grants, Selected Professions Fellowships.
The American Fellowships helps scholarly women complete their dissertations by giving them the financial support to do the research they need to do for it. These fellowships also provide support to conduct research for studies worthy of publications. Students and professionals in a tenure-track, who are part-time faculty, or are established researchers may apply. The only people who are not able to apply for those that are tenured professors.
Career Development Grants help women who want to either advance their career or pursue reentry into the workforce. The grants need to be used to pay for educational costs when seeking higher education. Women must have a bachelor’s degree, be U.S. citizens, and earned their degree before June 30, 2009.
Community Action Grants help women by giving money to organizations and individuals across the country. The goal is to make sure all women and girls understand that they deserve just as much as anyone else. They want to empower young women to help them succeed in life. There are two types of grants: one-year grants and two-year grants. The one year grants go to community based projects. The two year grants help programs in communities provide activities to young women to help them develop confidence and gain knowledge to become a leader and advocate for other. For both of these types of grants, women need to be U.S. citizens and organizations must be running a program that is nonpartisan, in the United States, and influences the women greatly.
The International Project Grants can be awarded to women who complete the AAUW International Fellowship. They must complete the fellowship between 2003 and 2012. Grants can be as much as $7,000. They should be used to help women with their education that will lead them to improve society and empower women across the country.
Each grant’s eligibility is different; however, all of them are for women who are U.S. citizens or permanent residents. Other factors include being active in the community, proof of academic achievement, and great project design.
Grant amount depends on the one awarded and the financial needs of the project.
Financial Aid for Single Mothers
FSEOG Grant (Federal Supplemental Educational Opportunity Grant)
The FSEOG can help individuals pay for their higher education. The financial aid office at a college or university will use the grant to credit awardees accounts. Only certain schools receive the FSEOG, so students must check with their financial aid office to find out if it’s available.
Individuals must be enrolled in a college or university participating in the program. They must also complete the Free Application for Federal Student Aid (FAFSA). Students who receive the Federal Pell Grant will need to use that first and then the awarded amount from the FSEOG.
Grant amount varies depending on financial need. Most individuals receive anywhere between $100 and $4,000. The funding the school receives also determines how much awardees receive.
FAFSA grants are those that are awarded after individuals complete the Free Application for Federal Student Aid (FAFSA). The Federal Pell Grant and the Federal Supplemental Educational Opportunity Grant (FSEOG) are the two that eligible applicants usually receive. With the Federal Pell Grant, students receive money. The FSEOG is governed by the attending college or university and they use the money to credit students’ accounts when they are awarded a certain amount. The money or award can be used to pay for tuition, books, and other college-related fees.
Individuals must show they are in financial need. They also must be enrolled in a college or university full-time or part-time.
The Federal Pell Grant awards students based on their financial need. The government also considers the cost of the school and whether the applicants are enrolled full or part time. In the academic year 2011 to 2012, the average award amount for the Federal Pell Grant was $5,500.
The Federal Pell Grants comes from the government. The money is given to students to pay for tuition and other college-related costs. Once a student is awarded the Pell Grant, he will receive it each year until graduation.
Pell Grant Application Process
To apply for the Pell Grant, all you have to do is complete the FAFSA. This application is one the government uses to determine if you are in financial need enough to receive assistance with the cost of tuition.
Pell Grant Eligibility (requirements, qualifications)
Federal Pell Grants are for undergraduate students seeking a bachelor’s degree. Some people are able to receive this award if they are seeking a post baccalaureate teacher certification program. All awardees must prove they are in financial need.
The maximum amount a student received for the academic year 2013-2014 was $5,645. For 2014, it will be $5,730.
The amount a student receives depends on:
• Financial need
• Tuition cost
• Full or part time status
• Full academic year or only part of it
Housing Grants for Single Mothers
FEMA Grants (Federal Emergency Management Agency)
FEMA helps state and local governments prepare for disasters. The money allotted to each government agency is used to prevent a catastrophe, respond to one and recover from it. The grant can be used for acts of terrorism as well.
There are many grants awarded:
• Preparedness Grants
• Assistance to Firefighters Grants
• Hazard Mitigation Assistance Grants
• Hazard Mitigation Grant Program
• Pre-Disaster Mitigation
• Flood Mitigation Assistance
• Disaster Grants
• United States Fire Administration Grants
Only government entities can apply for FEMA grants. Those who are victims of a disaster can seek assistance from state and local governments, but they are not considered grants. For example, if you need flood recovery assistance, you can seek financial help from your local FEMA agency because they should have received a Flood Mitigation Assistance grant.
Grant amounts vary per state and local government agency. Each community has its own level of risk for disasters and potential consequence, and this is used to determine how much they receive from FEMA grants.
HUD Grants (Housing and Urban Development)
HUD provides money to organizations and groups across the country. This money is used to build housing and support those who are unable to afford housing.
There are many funds available to organizations and groups. These funds are listed in a database called SuperNOFA. Only organizations and groups specializing in helping people in a community seek safe, healthy housing are able to apply for them.
Grant amount depends on the grant and the organization or group that needs it. HUD will review the financial needs of the community the organization/group serves to determine how much they should receive.
Section 8 Housing Program
The government has money to help families, seniors, and people who are disabled afford a safe place to live. The money can be used to live in a single-family home, townhouse or an apartment. Those who receive Section 8 are able to choose where they live, but the housing must be part of the problems. Those in need of housing assistance need to make an appointment with their local public housing agency (PHA).
Each PHA determines what families, seniors, or people who are disabled receive for housing. The PHA uses income and family size to determine the exact amount. Most agencies require applicants’ incomes to not exceed 50% of the median income of the community. This program is only for US citizens and those with valid immigration status.
Grant amounts depend on income and family size. It also depends on the cost of housing. At times, there can be an agreement achieved between the Section 8 agency and landlord of the apartment or townhouse to make it possible for someone to live in it.
The HUD website has a lot more information about how to find the PHA for your area and what you need to do to apply for this financial assistance for housing.
LIHEAP (Low Income Home Energy Assistance Program)
This program helps families who have a difficult time paying for their heating, cooling and electricity bills.
The money given can be used for:
• Home energy
• Crises with energy
• Home repairs to decrease energy costs
Individuals who receive LIHEAP have a low income that is 150 percent of the poverty line. The only exception is when the median income of the state is 60 percent higher. However, the eligibility criteria cannot be less than 110 percent of the poverty line.
The grant amount depends on the financial need of the individual requesting assistance and the amount of the bills or repairs.
Note: This program is available through local social services agencies, but you can find out more about it at this Health and Human Services government website.
ADDI (American Dream Down Payment Initiative)
Down payments and closing costs are the two biggest challenges for people who want to buy a house. ADDI helps first time home buyers purchase a home by paying for the down payment and/or closing costs.
One first time home buyers can be eligible for the assistance ADDI provides. The money awarded must be used to purchase a house, condominium, manufactured home, or cooperative unit. Those who can receive the ADDI must have an income that doesn’t exceed 80% of the median income of the area.
The amount each home buyer receives depends on their income and the amount of the down payment and closing costs.
HOME Investment Partnership Program
This program provides grants to state agencies and communities to fund activities that will increase the housing opportunities for low income families. This money can help build new homes and buy older ones, so they can be used to provide quality housing. This is the largest Federal block grant available for low-income families needing housing assistance.
All states are eligible to receive funding from this program.
Each state can receive at least $500,000. The total amount depends on how many families need housing and how man housing opportunities there are for them.
Housing Counseling Assistance Program
This program offers counseling to people who want to rent or own a house. This helps people learn how to budget, so they are able to make their payments each month. All services are offered through a housing counseling agency that is HUD approved.
Anyone who is renting or owning a home can take advantage of this program.
Housing counseling agencies must be approved by HUD to provide this program. Agencies must apply for approval from HUD. No money is given for the program.
Business Grants for Single Mothers
CDFI (Community Development Financial Institution)
The CDFI program helps people with a low income. It provides financial products and services. Two awards are granted to financial institutions: Financial Assistance and Technical Assistance.
For a community development financial institution to apply for an award, a community development financial institution must receive CDFI Fund certification.
Award amount depends on the number of people in the community who need the assistance of a financial institution. The amount is determined on a case by case basis.
Make Mine a Million $ Business
This is a competition that helps business owners make a million dollars. The goal is to encourage small business owners increase their revenue to help the economy.
Anyone running a business can join this competition.
No money is given. This is simply a way to help business owners get motivated to do what they need to do to grow their business to a million dollar one.
This grant is for women who are running their own businesses. The purpose is to help women launch or expand their businesses.
The only eligibility requirement is that the applicant must be a woman with a business or intention on starting a business.
Women can receive $500 to help with marketing, supplies, and other expenses that come along with growing or starting a business.
Small Business Grants for Single Mothers
(SBA) Small Business Administration
The Small Business Administration is brought to you by the United States Government. It helps people who are small business owners or those hoping to start one. It provides numerous resources and financial assistance programs.
There are no eligibility requirements. You simply need to either run a business or want to run one.
There are many grants available. They all differ in how much they award business owners.
SBIR Grants (Small Business Innovation Research)
Small Business Innovation Research program was implemented by Congress. This program awards approximately $2 billion to small businesses each year.
Eligibility requirement include owning a small business with less than 500 employees. The business must be for profit, be in the United States, and owned by a United States citizen.
The grant amount depends on what the business would like to do with it. The purpose is to use the money to conduct research to grow the business. This can be research on the products or services offered to consumers.
STTR (Small Business Technology Transfer Program)
STTR is a program that helps small business owners by funding research and development projects. The goal of the program is to expand public/private sectors. It also wants to have a part in science and technology innovation.
Those interested in participating in the program must own a business in the United States, it must be a for-profit business, and it has to have less than 500 employees. The researcher does not have to be employed by the small business though.
Grant amount depends on the cost of the research project.
Huggies Mominspired Grant Program
This program encourages mothers to share their innovative products with Huggies. Mothers wanting to turn an idea into a reality can benefit from this program.
Any mother in the United States can enter to win a grant through this program.
Mothers can win up to $15,000 in grant money.
Minority Business for Single Mothers
MBDA (Minority Business Development Agency)
This agency funds organizations that help small business owners who are considered part of the minorities. These organizations help minority business owners by providing counseling and financial assistance.
Organizations that wish to help business owners who are minorities can apply for assistance from the Minority Business Development Agency.
Grant amount depends on how many minority business owners there are in a community where the organization is located.
SBA 8(a) Business Development Program
This assistance program is for disadvantaged small businesses. It provides financial assistance, so they are able to get back challenges that would otherwise close their businesses.
The business owner must own at least 51 percent of the business and be an American citizen. The business must be a small business and be disadvantaged. It must show that it does have a chance of success.
Grant depends on how much the business will need to get back on track. This amount varies depending on the type of business and how far deep it is in debt.
NASE Growth Grants (National Association for the Self-Employed)
Small business owners can seek money to grow or start their business by turning to the National Association for the self-employed. The money can be used for computers, hiring employees, marketing and farm equipment.
All applicants must be a NASE member, prove they have financial need, and be able to explain what they would do with the money. A resume and a business plan must be passed in with the application.
Grant amount depends on what the business needs; however, it doesn’t exceed $5,000.
USDA Grant (Rural Business Opportunity Grant)
This grant helps maintain economic development in rural communities.
Only public entities, nonprofit corporations, higher education institutes, Indian tribes, and rural cooperatives can apply for this grant.
The maximum amount that can be received from this grant is $100,000. The funding amount is approximately $2.6 million, which means there are many to be awarded each year. However, it’s still competitive.
Personal Grants for Single Mothers
Walmart awards grants to organizations around the world. Many of these organizations are to help the hungry, women in business, and sustainability. There are four main programs Walmart runs for grants.
National Giving Program: This helps nonprofit organizations open up more chapters locally. The grants are usually $250,000 or more.
State Giving Program: Nonprofits can receive money to open chapters at the regional or state level. These grants are about $25,000 to $250,000.
Northwest Arkansas Giving Program: This program only awards organization operating in Northwest Arkansas. The grant awards $10,000 or more.
Each grant program has its own eligibility requirements, so it’s important to check with the website for more information.
Grant amounts are given in the program descriptions above.
Coca Cola Grants
Coca Cola provides grants to improve the health, education, environment, and research.
The grants are for individuals, religious organizations, and organizations that are political, legislation, and fraternal in nature.
Grant amounts depend on the proposal submitted during the application process.
These grants fund programs that want to use AED & CPR equipment and provide training. These are lifesaving devices that can be used in public places.
Any business, agency, or institution can be considered for this grant program. The application process is easy. All you have to do is complete the form only and either fax or mail it to them.
The grant covers the cost of the equipment.
CHIP (Children Health Insurance Program)
The Children’s Health Insurance Program is a government one. It provides low cost or free health insurance to children in the United States.
Families who have an income 100% of the poverty line may be eligible for health coverage for their children.
This is not a grant, but a government program that provides children with low-cost or free health care.
NSLP (National School Lunch Program)
This program enables students to purchase lunch at school for a lower price or free.
Families in financial need may be able to apply for assistance with paying for school lunch for their children. The income limits change each year and can be found at section 9 of the National School Lunch Act.
This is not a grant. If a child is awarded low cost or free lunch, he will be able to just purchase lunch at school for the price awarded.
Soroptimist Club Grants
These grants are for women and girls. They help them with projects to improve the community. Some of these projects have helped domestic violence victims, reductive health for impoverished women, and job skills for those with disabilities.
All women in the United States are eligible to apply for a grant. The organization determines who receives the award by considering the project goals.
Grant amount depends on the project and how much it will cost for it to be a success.
Insure Kids Now
This program helps children and teens receive low-cost health insurance. Parents can also receive assistance. The financing comes from Medicaid and Children’s Health Insurance Program (CHIP).
Families must be in financial need and prove that they are unable to afford health insurance. Health risks must also be present.
There is no grant amount awarded. This is a program that provides low cost or free healthcare to children and their parents.
Sunshine Lady Foundation
The Sunshine Lady Foundation has a Women’s Independence Scholarship Program. This program helps women who have suffered intimate partner abuse by giving them money to seek a higher education. This can help them get a better job, so they don’t have to rely on someone who abuses them for financial help.
All applicants must be women and be a victim of intimate partner abuse. They must also be away from the partner for at least one year, be a U.S. citizen, prove financial need, be enrolled at a college/university or show an intense desire to start.
Grant amounts depend on each woman’s situation and how much it will cost for them to receive the education they desire.
Daycare Grants for Single Mothers
CCAP (Child Care Assistance Program)
This child care assistance programs provides affordable child care to families with a low income.
Family must have a low-income and be working. Some families may be receiving Temporary Assistance for Needy Families, so they must be following the Responsibility and Service Plan (RSP). Parents who are under the age of 18 must be seeking a high school degree. Those who are not in high school or do not receive TANF must be pursuing education for better employment opportunities.
Grant amount depends on how much the child care centers that are a part of this program charge. The charges differ from one area to the next.
Website: To receive more information about the Child Care Assistance Program, visit the government website for CCAP.
CCDF (Child Care Development Fund)
The Child Care Development Fund helps individuals with a low income who need affordable child care. It also helps communities by funding development of child care centers and afterschool programs.
All those who are interested must prove financial need. Child care centers must have a proposal showing how they would like to improve their facilities with the grant amount awarded.
Grant amounts differ for individuals and child care centers. The location determines grant amount as well.
Head Start works with organizations across the county to help children from birth to five years old get the best start in life. This is usually for families with a low income.
Children before the age of five whose families are not able to place them in preschool may be eligible to take advantage of Head Start.
This is not a grant. This is an educational program, but comes at no cost.
Dependent Care Assistant Programs
This program allows you to have child care payment taken out of your paycheck before taxes. This saves you money because you pay taxes on less of your income.
To be able to take advantage of this program, wages must be exempt from FICA.
A parent can deduct up to $5,000 for child care if filing single on a tax return.
Learn more about the Dependent Care Assistance Program at this website.
Child Care Credit
This is a tax credit. When filing taxes, parents can take the amount of money they spent on child care and use it as a deduction on their taxes. This can decrease their tax responsibility.
The child must be under the age of 13. People who are physically or mentally disabled can also receive care, in which the cost can be deducted from taxable income.
This is not a grant. This is a tax credit, which means it depends on how much you’ve paid for childcare and how much your income is.
Website: Go to the IRS website for more information about the child care tax credit.