Free Government Grants and Loans Table of Contents Click on a topic below to be taken directly to that section CHAPTER 1 Overview How To Write Your Proposal Grant Request Finding A Funding Resource Proposal Checklist Why Proposal=s Fail Letter of Appeal A Wide Assortment Of Research Grants Special Emphasis Outreach Program Grants for Agricultural Research Free Foundation Grants For Personal Needs Education Grant Assistance Venture Capital Sources CHAPTER 2 Free Federal Money For Businesses Small Business Assistance Grant Sources Small Business Development Centers Low Interest Loans To Start A Business In A Small Town Unconventional Loan Programs State Women Business Assistance Programs Foundation grants For Business Related Purposes Employee Grants... Home Repair... Elderly and More Free Money for Housing and Real Estate Ventures Additional Sources for Money to Fix Up Your Home Foundation Grants For Foreign Individuals Other Small Business Administration Offices Most Frequently Asked Questions Sample Letter DISCLAIMER: This publication is designed to provide valuable information. It is sold with the understanding that the publisher or author is not engaged in rendering legal, accounting, or other professional service. If legal advise or other assistance is required, the service of a competent professional should be sought. The author and publishers disclaim any personal loss or liability caused by utilization of any information presented in this book. Claims of liability, if any, shall be limited to the amount paid for the book less the amount paid for postage and handling. No part of the material protected by this copyright notice may be reproduced or utilized in any form or by any means, electronic or mechanical including photocopying, recording, or by an informational storage and retrieval system without written permission from the copyright owner. Any violators will be prosecuted to the full extent of the law. Printed in the U.S.A. Copyright 2004-2005. All rights reserved. Phone numbers can change periodically with out notice please refer to that states local 555-1212 directory. CHAPTER 1 OVERVIEW We read nearly every day about government spending, but many of us do not realize that we might be eligible to receive some of the money the government gives away every year. There are thousands of grant programs for established businesses and newcomers. Whether it=s to develop a unique invention, continue or change your career path through education, work at your artistic vocation or simply obtaining help with living expenses, there are numerous sources out there for you to tap into. But how to identify them? This is the bigger stumbling block to those that even think they might qualify for government funds in some way. But the key to obtaining grant money is not a giant secret. Generally, if you are an organized, detail-oriented person who can follow instructions, chances are you could qualify for a grant. There is even a bimonthly magazine you can subscribe to called Humanities, which is published by the National Endowment for the Humanities, 1100 Pennsylvania Avenue, NW, Room 410, Washington, D.C. 20506, phone number (202) 606-8443. This publication features listings of recent grants by discipline, a calendar detailing application, grant deadlines and guide sections for those who are thinking of applying for a National Endowment of the Humanities grant -- and there are many! This magazine can give you tips to help you qualify! Grant money can provide you with the independence you need to start your own business, expand or launch you on a new career destination. These dollars can help you acquire schooling you=ve either lacked or need to change course. All it takes is organizational skill, the ability to write a proper grant proposal and knowing who to write to for applications. This booklet will be your guide and can improve your chances of securing grant money. Let's start with the Government, there are federal level programs and state level programs. Federal Programs have billions of dollars available for new businesses start-up, expansion, medical, personal, inventions, research, and pretty much anything you can think of. The Federal Government resources are eminence not only for grants and loans, but for information. Example: If your business is growing corn, you need specific things to make your business grow. For example, you may want to know about new technology on seeding and fertilization. The Department of Agriculture has experts on how to grow corn effectively. If you want to expand your customer base, the Government does research on other parts of the country that consumes more corn than others, where in the world corn is in demand, and where the shortages are. If you need legal help with exporting your product overseas, you need to know the countries tariff's laws. And import restrictions. The government has the answers to these questions. They are the ones that write the laws and know the laws of the other countries. Virtually any type of information you need to get started with your project is available through the Federal Government Private Foundation's on the other hand are organizations created by large Corporations, they assist communities with funding for a wide variety of purposes. Their funding is limited to the guidelines outlined by the Founder and the Grant Administrator. How to start: Start by choosing one or several organizations from this guide and start making your contacts. If you are not able to find a certain organization, go to your Public Library and take a look at the Catalog of Federal Domestic Assistance, this is basically a master index of all Government programs that is updated every six months. Secondly, Start making contacts by either calling or writing to them and asking for all the necessary information for the agencies funding criteria. At first, please refrain from asking too many questions in your initial request. Keep your request only to asking for applications and guidelines. Remember, if your contact tells you they cannot help you with your project, just ask if you can be referred to an agency that can help. They may or may not know. Not every person knows what the government has to offer. In order to establish the right contact it may take several phone calls or letters. Remember don't burn any bridges on your pursuit, it may seem like your getting the run around, but the only way you can get anywhere with the Government is to be friendly and offer a positive attitude to everyone you talk to. Otherwise you may be dead in the water. After you have an established contact, ask them to send information regarding their guidelines and applications for funding. Read them thoroughly to enforce any advantages you can use to further pursue your project. When you find out that your project fits in their funding criteria, this is when you start on your proposal or letter of appeal, submit letter to as many agencies you can find. Being accepted by several agencies is not a bad thing. Please use this directory as a guideline. There will always be people and hurtles in your way. Please be patient, but persistent. Congratulations, you have just taken the first step to obtaining the money to finance your dreams Top HOW TO WRITE YOUR PROPOSAL Writing a grant proposal can be as simple as following the directions in your application packet. Add a little flare and your grant application can stand out, making your chances of selection better. Every agency bestowing grants has different rules for application which is why reading the packet you receive thoroughly is so important. The government is a stickler for details, so if you can=t follow directions or make just one small mistake, your application will be disqualified. There are reference sources in your library to consult about grant proposal writing in addition to the advice given here. It=s best to read as much as you can in preparation for your grant writing duties. If you are requesting a grant for a specific idea or project, contact the agency after you receive the packet to see if they have recently awarded any grants for this type of work. If they have, it may be that no further grant money is available for that project. You will then have to come up with another idea to obtain your dollars. Whatever your idea, try to enlist written support from individuals in your community who may know you and like your idea. Letters written by your local government, community and business leaders improves your chances of receiving the award. Federal grant money may actually require these letters of endorsement. Your application packet will inform you of the specific requirements. Even if not required, support letters are encouraged. It gives further credence to your idea and may make the difference if the grant award comes down to a couple of applications and the agency is forced to choose. If you have a partner or two who have a different expertise than you, add their names and qualifications to the overall proposal. Having assistance on the project often encourages agencies who make grants available as the project=s chances of completion are heightened. Relating your idea(s) to the agency individual agents who will be considering your grant request is a sound move. Many of these employees have been there a substantial length of time and will be well-versed in the ins and outs of obtaining grants. They often appreciate that you asked their advice up front and can do wonders for you in terms of saving time and effort. You could make it convenient, if it=s a local agency you can make a personal visit to that agency to meet the individuals who will be considering your proposal. There may be pertinent reference information in the agency which can help you with your proposal. By all means, stay in contact with these people, especially if they work in the agency to whom you will be submitting your bid(s). Even if you don=t get a positive response on the first grant proposal, keep in touch! They can often tip you off to what future projects have a chance of being funded. If it=s in your area of expertise, you have an inside track to the next funds availability. You will likely not be the only one writing for grant money, so you have to do a better job of it than your competitor. By making sure that there is: - a need for your idea or project; - sufficient research done on your part to satisfy the grantors; - no question that you are the best candidate to receive the grant; - time for you to spend reviewing the application process and preparing your grant proposal; Then you will be ready to write your first proposal draft Top GRANT REQUEST There are two documents you need when requesting a grant, The Grant Proposal and The Letter Of Appeal. Some Foundations would rather work with an organization than with an individual. If this is the case, you would greatly increase your chances of getting a grant, if you create a non-profit organization. First file a certificate for a non-profit organization with the Secretary of State. Next, file an application with the IRS and Treasury Department. For detailed information on steps to creating a non-profit, we recommend this publication: HOW TO FORM A NONPROFIT CORPORATION - BERKELEY, CA. NOLO PRESS. Here are the essential parts of a grant proposal: 1. Summary. This generally outlines the proposed idea or project and is naturally slotted for the opening paragraph. Keep it both brief and interesting. It will be the first impression the grantor(s) will have of you and your abilities, so work hard on this part of the document. Poorly written, this opener could end your chances immediately. Conversely, well-written beginnings are encouraging to the reader(s) and improve on your chances. Be sure only your key points are in this portion. Don=t oversell it with too much detail. Make this part easy to read, but informative. 2. About You (and your Business). The next section summarizes your qualifications and those of any others that will be working with you. You may want to include up to date biographies of all involved. Let the grantor(s) know about your recent work and success, especially if you=ve been successful with any other grant program. 3. Problem Statement. This is where you summarize the need for this project or idea. You will need to note your idea=s purpose, who will benefit, how they will benefit, what social-economic area will be affected, hard data supporting the nature of the problem, what is currently being done (or not done) about the problem, what will happen if your idea is not funded and implemented and how you intend to solve the problem. This may be the longest part of your proposal. Get any supporting documents you need from local community and government organizations. Be sure you can defend all your thoughts contained in this section. It=s the what, why and how of the grant proposal. 4. Objectives. These are the actual means by which you will solve the problem you outlined in step #3. Outline them in detail, provide cost analyses of each to support your funding request and lay them out in logical, sequential order. The agency will periodically review the progress of your project or idea once the grant is given and it will likely be these actual objective points that will be used to measure your work. 5. Detailed Objectives. While step #4 provided a summary of your objectives, all of the activities relating to accomplishing these objectives will be laid out in detail here. This could include dates, resources needed, staff needed, progress checkpoints, relevant diagrams, charts or drawings and all relevant detail. Highlight any innovative work that will be used to help accomplish your objectives. Provide any reference material necessary to back up your details. 6. Evaluation. Here, you will need to identify the results that will come from the project. You briefly stated these in your opening, but more specifics will be needed here. The only way to evaluate the project may be from seeing if it meets the results expected. You are solving a problem, after all, so your results should be your solutions and their resulting benefits. Some agencies have standard evaluation techniques, so be sure you reference those here if that is the case. 7. Future Funding. What will happen to the idea or project once finished? If it is self-completing, say so. If further maintenance will have to be done to keep the problem at bay, record how this is to be funded. You might be able to arrange for local support once the initial funding is depleted and the problem solved if it is something that requires ongoing work. 8. Budget. While it would be nice to see the grant money fund the full cost of your idea or project, current federal budget cuts may not make that feasible. If you are securing other funding or have a plan for money to pick up the additional expenses of the project, let the agency know that. Write out a detailed budget listing (and justifying) the assorted expenses. You may receive all of the funding you need from the one grant, but you really shouldn=t count on it. It=s often easier to secure government funding if you have also tapped into other sources to help cover the costs, even if it=s a small investment on your (and, if applicable, your partners=) part. While these are the key elements of a proposal you will write, get as much help as you need depending on the size of the project. Obtain as much input from area experts as you need before writing the proposal. They might have excellent suggestions and could play a role in helping you to complete the various activities associated with accomplishing your stated objectives. They might even be helpful in writing certain aspects of the proposal, especially the details of the work and tasks necessary to meet your objectives. Do a first draft. Then -- get feedback! Give it to people who have helped you, or whom you trust to be properly judgmental about it. The best writing is done during the rewriting phase, so it=s important to have people take a critical look at your first draft. You=re too close to be thoroughly objective. That=s O.K.! Just know that you should get others to help you analyze your initial work in preparation for a second draft. Go through the same process with your second draft. This should be shorter and less feedback should come in if you elicited enough comments the first time around. Make any changes necessary and get it to final draft form. Then have it proofread and bound into a booklet for submission purposes. You=re ready to submit! Remember that the grant should be written after you=ve obtained the agency=s application and grant guideline forms. There are many places to contact for potential grant information, and your decision should be closely allied with your skills and interests. The following list should help get you started isolating the agencies you fell are best possibilities for you. FINDING A FUNDING RESOURCE Top Review your catalog program the Grant Agency sends you. Special emphasis should be placed on the Objective and Uses and Use Restrictions sections of the Catalog. The description can tell you which programs might provide funding for an idea.. Do not overlook the related programs as potential resources. Both the applicant and the grantor agency should have the same interests, intentions, and needs if a proposal is to be considered an acceptable candidate for funding. When a potential grantor agency is identified, call the contact telephone number identified in Information Contacts and ask for a Agrant application kit@. Get to know some of the grantor agency personnel. Ask for suggestions, criticisms, and advice about the proposed projects. In some cases, the more the agency personnel know about the proposal, the better the chance of support and of an eventual favorable decision. Sometimes it is useful to send the proposal summary to a specific agency official in a separate cover letter, and ask for review and comment at the earliest possible convenience. Always check with the Federal agency to determine it=s preference if this approach is under consideration. If the review is unfavorable and differences cannot be resolved, ask the examining agency or the official to suggest another department or agency which may be interested in the proposal. A personal visit to the agency=s regional office or headquarters is also important. A visit not only establishes face-to-face contact, but also may bring out some essential details about the proposal or help secure literature and references from the agency=s library. Government agencies are required to report funding information as funds are approved, increased or decreased among projects within a given State depending on the type of required reporting. Also, consider reviewing the Federal and State budgets for the current and budget fiscal years to determine proposed dollars amounts for particular budget functions. Study the eligibility requirements for each Federal or State Government program under consideration. The applicant may learn that he or she is required to provide services otherwise unintended such as a service to particular client groups, or involvement of specific institutions. It may necessitate the modifications of the original concept in order for the project to be eligible for funding. Questions about eligibility should be discussed with the appropriate program officer. Deadlines for submitting applications are often not negotiable. They are usually associated with strict timetables for agency review. Some programs have more than one application deadline during the fiscal year. Applicants should plan proposal development around the established deadlines. PROPOSAL CHECKLIST Top 1. Confirm that the foundation/government source is interested in receiving your proposal. 2. Have the people you plan to serve been involved in planning the project. The proposal should reflect their involvement. 3. Does your proposal include information on other individuals or organizations working with your project? 4. Have I followed my funding sources guidelines to the tee? 5. Have I outlined and highlighted innovative features of my project to set it apart from others? 6. Has my draft been reviewed by a impartial party for clarity and understanding? 7. Have I accurately outlined my budget? Are all budget items complete and my math correct? 8. Has my proposal been proof read and free of typos? 9. Have copies of my proposal been distributed to other project participants? WHY PROPOSAL=S FAIL 1. The funding source did not request a proposal. 2. The project you proposed is not convincing or well documented. 3. Your proposal is poorly written, confusing or difficult to follow. 4. Your objectives are not within the interest of the funder. 5. Your proposal=s documentation is not convincing to funder=s interest. 6. Your goals and objectives appear to be unrealistic or overly ambitious. 7. Your budget is incomplete. 8. Your budget is to high for that particular funding agency. 9. Your proposal does not follow their guidelines. 10. There=s know indication that your project can be sustained beyond the funding period. Top LETTER OF APPEAL Top A letter of appeal is a summary of a proposal. Generally, if a small amount of money under $2,500.00 is requested a letter of appeal will usually be sufficient. For larger sums of money send both the proposal and letter of appeal. Your letter of appeal should be brief and to the point, long and unorganized letters could get passed by. Your letter of appeal should be composed in such a way as to grab the attention of the grantor. This will be your first impression, you should make it count. The letter of appeal, outlines your program/project in a clear unambiguous and a concise way. The following should be included. A. The Proposal B. A Statement of the Need C. Evidence of the Need D. How The Need Will Be Met E. Your Total Cost F. Amount Requested G. Complete List Of Other Supporters and Proposed Supporters H. Duration Of Program Or Project I. Staff Capabilities J. Future Funding K. Description Of The Individual, Corporation Or Organization 1. How The Organization Began, 2. How Long Has It Existed, 3. Significant Accomplishments 4. Support Received From Other Organizations. THE WIDE ASSORTMENT OF RESEARCH GRANTS Top Research opportunities exist in virtually every field imaginable. The proposal writing for this may not have to be as in-depth as a field project, but significant information is necessary and it=s a good idea to follow your proposal format without regard to the type of grant being sought. The more complete -- the better! Special Emphasis Outreach Program Grants for Agricultural Research Top Grants Office of Advocacy and Enterprise US Dept. of Agriculture 14th and Independence Ave., SW Washington, D.C. 20250 Research Grants Administrator, Cooperative State Resr. Service, US Dept. of Agriculture 14th and Independence Ave., SW Washington, D.C. 20250 Cooperative Forestry Research Administrator, Cooperative State Research Service 14th and Independence Ave., SW Washington, D.C. 20250 Animal Health and Disease Research U.S. Dept. of Agriculture Washington, D.C. 20250 Grants for Agricultural Research Competitive Research Grants Chief Scientist, Competitive Res. Grants Rm. 323, 14th and Independence Ave. Washington, D.C. 20250 Higher Education Strengthening Grants U.S. Dept. of Agriculture Washington, D.C. 20250 Sustainable Agriculture Research and Education Administrator, Cooperative State Research Service U.S. Department of Agriculture Washington, D.C. 20250 Technical Agricultural Assistance Office of International Cooperation and Development Technical Assistance Division U.S. Dept. of Agriculture Washington, D.C. 20250 Interjurisdictional Fisheries Act of 1986 Director, Office of Fisheries Conservation & Management National Marine Fisheries Service 1335 East-West Highway Silver Spring, MD. 20920 Sea Grant Support Director, National Sea Grant College Program National Oceanic and Atmospheric Admin. 1335 East-West Highway Silver Spring, MD. 20920 Marine Sanctuary Program Chief, Sanctuaries & Reserves Div. Office of Ocean and Coastal Resource Management National Ocean Service, NOAA 1825 Conn. Ave., NW Room 714 Washington, D.C. Undersea Research Director, Office of Undersea Research National Oceanic and Atmospheric Administration 1335 East-West Highway Silver Spring, MD. 20910 Climate & Atmospheric Research Director, Office of Global Programs National Oceanic & Atmospheric Admin. 1335 East-West Highway Silver Spring, MD. 20910 Measurement & Engineering Research and Standards National Institute of Standards and Technology Gaithersburg, MD. 20899 Regional Centers for the Transfer of Manufacturing Technology Director, NIST MTC Program Room B112 Chemistry Bldg., NIST Gaithersburg, MD. 20899 Minority Business Development Centers Assistant Director, Office of Operations Room 5063, Minority Business Dev. Agcy. U.S. Department of Commerce 14th & Constitution Ave., NW Washington, D.C. 20230 (202)482-3261 Maternal & Child Health Federal Consolidated Programs (SPRANS) Maternal & Child Health Bureau HRSA, Public Health Service Room 9-11, 5600 Fishers Lane Rockville MD.20852 Adolescent Family Life Research Grants Office of Adolescent Pregnancy Programs Office of Population Affairs Office of the Ass=t Secretary of Health Hubert Humphrey Building Rockville, n 200 Independence Avenue, SW 736E Washington, D.C. 20201 Food and Drug Administration Research Grants & Assistance Agreements Section Division of Contracts and Grants Food and Drug Administration HFA-520, Room 3-20 Parklawn Bldg., 5600 Fishers Lane Rockville, MD. 20852 Biological Response to Environmental Health Hazards Director, Div. of Extramural Research and Training, Nat=l Institute of Environmental Health Science, Public Health Service Dept. of Health & Human Services P.O. Box 12233 Research Triangle Park, NC 27709 Applied Toxicological Research & Testing Director, Division of Extramural Research & Training National Institute of Environmental Health Sciences Public Health Service Dept. of Health & Human Services P.O. Box 12233 Research Triangle Park, NC 27709 Biometry and Risk Estimation -- Health Risks from Environmental Exposures Director, Division of Extramural Research & Training National Institute of Environmental Health Sciences Public Health Service Department of Health & Human Services P.O. Box 12233 Research Triangle Park, NC. 27709 AIDS Activity Grants Management Branch Procurement & Grants Office Centers for Disease Control Dept. of Health & Human Services 255 E. Paces Ferry Road, NE Atlanta, GA 30305 Oral Disease & Disorders Research Extramural Program National Institute of Dental Research National Institutes of Health Bethesda, MD. 20892 AIDS Education and Training Ctrs. Director, Division of Medicine Bureau of Health Professions Health Resources and Services Admin. Room 4C05 5600 Fishers Lane Rockville, MD. 20857 Injury Prevention & Control Research Projects Division of Injury Epidemiology & Control Center for Environmental Health & Injury Control Center for Disease Control Public Health Service, Atlanta, GA. 30333 Conference Grant (Substance Abuse) Office for Substance Abuse Prevention Alcohol, Drug Abuse & Mental Health Administration, Rockwell II Bldg. 5600 Fishers Lane Rockville, MD. 20857 Health Services Research & Development Grants Agency for Health Care Policy and Research PHS, DHHS, Suite 601, Exec. Office Center 2101 E. Jefferson Street Rockville, MD. 20852 Mental Health Research Grants Director, Division of Basic Brain & Behavioral Sciences National Inst. of Mental Health 5600 Fishers Lane Rockville, MD. 20857 Occupational Safety & Health Research Grants Procurement & Grants Office, CDC DHHS, 255 E. Paces Ferry Rd., NE MS-E14 Atlanta, GA. 30333 General Clinical Research Centers General Clinical Research Ctrs. Program Nat=l Center for Research Resources National Institutes of Health Bethesda, MD. 20892 Biomedical Research Technology Biomedical Research Technology Program National Center for Research Resources National Institutes of Health Bethesda, MD. 20892 Head Start Admin. for Children, Youth & Families Head Start U.S. Dept. of Health & Human Services P.O. Box 1182 Washington, D.C. 20013 Social Services Research & Development Director, Div. of Research & Evaluation Office of Policy & Evaluation Administration of Children & Families Room 334-C, L=Enfant Promenade, SW Washington, D.C. 20201 Social Security - Research & Demonstration Chief, Grants Management Staff Office of Acquisition and Grants, ODCM Soc. Sec. Admin., 1-E-4 1710 Gwynn Oak Avenue Baltimore, MD. 21207 Population Research Chief, Office of Grants & Contracts National Institute of Child Health & Human Development National Institutes of Health Bethesda, MD. 20892 Aging Research Director National Institute of Aging, NIH Bethesda, MD. 20892 Research for Mothers & Children Chief, Office of Grants and Contracts Nat=l Inst. of Child Health & Human Devel. National Institutes of Health Bethesda, MD. 20892 Promotion of the Humanities - Regrants Centers for Advanced Study Division of Research Programs Centers for Advanced Study, Room 318 National Endowment for the Humanities Washington, D.C. 20506 Employment & Training Research and Development Projects Chief, Division of Research & Demonstration, Employment & Training Administration U.S. Dept. of Labor Washington, D.C. 20210 Engineering Grants Program Analyst, Directorate for Engineering National Science Foundation Rm. 1126e, 1800 G St. NW Washington, D.C. 20550 Mathematical & Physical Sciences Ass=t Director, Mathematical & Physical Sciences National Science Foundation 1800 G ST NW Washington, D.C. 20550 Safe Drinking Water Research & Demonstration Director, Office of Research Grants RD-675, EPA Washington, D.C. 20460 Energy-Related Inventions Director, Office of Technology Evaluation and Assessment National Institute of Standards and Technology Gaithersburg, MD. 20899 Toxic Substances Research Director, Research Grants Staff RD-675, EPA Washington, D.C. 20460 Fossil Energy Research & Develop. Director, Dept. of Energy Fossil Energy Program, FE-122 Germantown, MD. 20545 Environmental Restoration Office of Environmental Restoration Office of Restoration & Waste Management Dept. of Energy Washington, D.C. 20545 Minority Educational Institution Research Travel Fund Office of Minority Economic Impact MI-2.2, DOE, Forrestal Bldg. Room 5B-110 Washington, D.C. 20585 Free Foundation Grants For Personal Needs Top Minnesota State Soldiers Assistance Fund Minnesota Department of Veterans Affairs Veterans Service Building 20 W. 12th Street, (612)296-2562 St. Paul, MN 55155-2079 P/D: To provide emergency financial assistance to disabled veterans and their families in Minnesota. To be eligible for assistance, the veteran must be disabled and prevented from working, the disability must be temporary in nature and the veteran must be able to resume his or her normal occupation once returned to health. The funds are to be used to provide food and shelter, as well as to cover utility payments. Contact foundation for further details. Applications may be submitted at any time. Armory S. Carhart Memorial Fund c/o The Fauquier Bank P.O. Box 561 Warrenton, VA 22186 Application Address: c/o Margaret A. Wilson, Trustee P.O. Box 630 (540)349-0223 Warrenton, VA 22186-0630 P/D: Financial assistance to persons who have incurred injury, illness or disability following activities in a fox hunt, hunter trail, horse show, hound trail, field trail steeplechase, point to point, hunt race, pony rally, or any similar activity. Navarro County Health Services Found P.O. Box 1022 Corsicana, TX 75151 Application Address: c/o Carol Myers Navarro Regional Hospital West Hwy 22 (903)872-4861 Corsicana, TX 75110 or c/o Jo Ann Means 121 N. Main Street, (903)872-8181 Corsicana, TX 75110 P/D: Funds are distributed directly to Navarro Regional Hospital on behalf of recipients. The financial resources of all recipients are below the Dept. of Health and Human Services Poverty Income Guidelines. Assistance to indigent Navarro County, TX residents of at least one year for medical expenses incurred at Navarro Regional Hospital. Applicant=s must be referred by a physician, a health care agency, or the hospital. Referrals accepted throughout the year. Completion of formal application required. South Carolina Homestead Tax Exemption Program South Carolina Comptroller General Attn: Local Government Division P.O. Box 11228 (803)734-2137 Columbia, SC 29211 P/D: To establish a homestead exemption for South Carolina residents who are elderly, disabled, or blind. Legal residents of South Carolina who own a house or mobile home are eligible for this exemption if they are aged 65 or older, totally and permanently disabled or legally blind. Spouses of deceased persons who were eligible also qualify to receive the exemption if they were at least 50 years of age when their spouse died. The exemption continues as long as the homeowners live in their primary residence in South Carolina. Volkswagen Mobility Access Program Volkswagen United States, Inc. 3800 Hamlin Road, (800)822-8987 Auburn Hills, MI 48326 P/D: To provide financial assistance for the purchase of a Volkswagen minivan for the orthopedically disabled. This offer is open to the disabled or anyone else purchasing a Volkswagen minivan to transport or drive a full-time wheelchair user. The Weinglass Foundation, Inc. Two Hopkins Plaza, No. 802 Baltimore, MD 21201 Application Address: Deborah Layman, Admin. Exec. 3300 Fashion Way, (410)538-1000ext.2240 Joppa, MD 21085 P/D; Grants to individuals, primarily for medical treatment and related expenses. Application accepted throughout the year. Initial approach by letter. Children=s Wish Foundation Grants Children=s Wish Foundation International 7840 Roswell Road, Suite 301 P.O. Box 28785 Atlanta, GA 30358 (404)393-WISH or (800)323-WISH P/D: To fulfill the wishes of terminally ill children. This program is aimed at children in the United States or Europe, up to the age of 18, who are facing life threatening illnesses. The amount varies, depending upon the cost of filling the child=s dream. Applications may be submitted at any time. Laurendeau Foundation for Cancer Care 2700 Iron Street, (360)671-7854 Bellingham, WA 98225 P/D: Grants to individuals residing in Bellingham, WA for outpatient cancer care. Completion of formal application required. Contact: Joanne Gardner, Manager Questar Corporate Giving Program 180 E. First South Street P.O. Box 11150 (801)534-5435 Salt Lake City, UT 84147 P/D: Funding interest include the aged, medical and health services, education, the disadvantaged, and arts and culture. Initial approach by letter. Mid-Iowa Health Foundation 550 39th Street, Ste., 104 Des Moines, IA 50312 (515)277-6411 P/D: Grant to fund health related service projects including drug abuse, mental health, and nutrition. Initial approach by letter. Contact: Kathryn Bradley West Virginia Homestead Exemption Department of Tax and Revenue Attn: Taxpayer Services Division P.O. Box 2389 (304)558-3333 Charleston, WV 25328-2389 P/D: To provide a partial exemption of property taxes on residences owned by disabled or elderly persons and retired veterans in West Virginia. Eligible for this exemption are single-family residences owned and occupied by any person who is permanently and totally disabled or at least 65 years old. Applicant=s must have been West Virginia residents for 2 consecutive calendar years prior to the tax year to which the exemption relates. Members of the U.S. military forces who maintain West Virginia as state of residence throughout military service and return to the state to purchase a homestead upon retirement or separation from the military because of permanent and total disability are considered to meet the residency requirement and also qualify for this exemption. Alexandra Eastman Foundation c/o New Hampshire Charitable Fund One South Street, P.O. Box 1335 Concord, NH 03302 (603)225-6641 P/D: Seeks to improve the quality and availability of health care and to promote the health and well-being of residents of the greater Derry, New Hampshire area. Initial approach by letter. Contact: Deborah Cowan, Program Director National Association For The Craniofacially Handicapped Grants-In Aid National Association for the Craniofacially Handicapped P.O. Box 11082 (615)266-1632 Chattanooga, TN 37401 P/D: To provide travel expenses for persons with severe facial deformities who travel to comprehensive medical centers for reconstructive facial surgery. Persons with craniofacial deformities resulting from birth defects, injury, or disease are eligible to apply for these grants in aid if they need to travel to comprehensive medical centers to undergo reconstructive facial surgery. Funds are available for transportation, food, lodging, parking, and tolls related to securing or undergoing treatment. No medical costs are covered. Grants also provide for 1 accompanying person for each trip. Application may be submitted at any time. Vermont Emergency Assistance For Disabled and Needy Veterans State Veterans Affairs 120 State Street, (802)828-3379 Montpelier, VT 05620-4401 P/D: To provide emergency financial assistance to disabled needy Vermont veterans or their dependents. Eligible to apply for this assistance are veterans and their dependents, if the veteran is both disabled and poor, served for at least 90 days (unless discharged earlier because of disability or the convenience of the government), has been a resident of Vermont for at least 1 year prior to application, and was discharged under conditions other than dishonorable. Applications may be submitted at any time. Pennsylvania Blind Veterans Pension Bureau of Veterans Affairs Fort Indiantown Gap, (717)865-8911 Annville, PA 17003-5002 P/D: To provide financial assistance to blind residents of Pennsylvania who lost their sight while serving in the U.S. armed forces. Persons who have 3/60 or 10/200 or less normal vision are eligible if they are honorably discharged veterans who were residents of PA when they joined the U.S. armed forces and whose blindness resulted from a service connected injury or disease. Applications may be submitted at any time. Alabama Ad Valorem Tax Exemption for the Blind Alabama Department of Revenue Attn: Ad Valorem Tax Division Gordon Persons Building, Room 4126 Montgomery, AL 36132-7210 (334)242-1525 P/D: To exempt residents who are legally blind from a portion of ad valorem property taxes in Alabama from ad valorem property taxes imposed by counties. Residents of Alabama are eligible to apply if they are over the age of 65 and have a net annual income of $12,000 or less for income tax purposes for the preceding year or are retired due to permanent and total disability regardless of age, or are blind, or retirement status. Must meet eligibility requirements. R. H. Wilkin Charitable Trust Program R.H. Wilkin Charitable Trust Attn: Peggy Pittman P.O. Box 76561 (405)235-7700 Oklahoma City, OK 73147 P/D: To provide financial support for needy, crippled children residing in Oklahoma County, OK. Funds are made available to maintain, improve or retard the deterioration of the physical, mental, or emotional health and well-being of the recipients. Expenditure may include physical and psychiatric examinations, physical therapy, occupation therapy, wheelchairs, crutches, braces, prosthetic devices, blood and vital organs, food, clothing and shelter. The amount provided to each recipient varies, depending upon individual needs and the funds available to the trust. Application may be submitted at any time. Federal Income Tax Deduction for Child and Dependent Care Expenses Internal Revenue Service, Service Headqrts. 1111 Constitution Avenue, N.W. Washington, DC 20224 (800)TAX-FORM P/D: To provide a federal income tax credit of a portion of the expenses of caring for a child. Eligible for this credit are U.S. citizens or residents who have earned income and who live with a qualifying dependent who was either a) under the age of 13. b) a spouse who was physically or mentally unable to care for himself or herself. c) another dependent who was physically or mentally unable to care for himself /herself and for whom the taxpayer can claim an exemption. Qualifying expenses. Schooling, care outside the home, transportation and household services. North Carolina Income Tax Relief for Disabled Veterans Division of Veterans Affairs Albermarle Building, Suite 1065 325 N. Salisbury Street, (919)733-3851 Raleigh, NC 27603-5941 P/D: To provide income tax relief to disabled N.C veterans. Any assessment of income tax due prior to the time a person was inducted into the armed forces will be cancelled if the serviceperson is receiving service-connected disability compensation. Disability payments to veterans by reason of service in the armed forces need not be reported for income tax purposes. Grants by the U.S. Department of Veterans Affairs for motor vehicles for veterans who lost their sight or the use of their limbs are exempt from state income taxation. Grants by the VA to seriously disabled veterans for homes designed for wheelchair living are also exempt from North Carolina income taxation. The exemptions continue as long as the eligible veteran is a resident of NC. North Dakota Tax Refund For Senior Citizen or Disabled Renters Office of State Tax Commissioner State Capitol Building 600 E. Boulevard Ave., (701)328-3127 Bismarck, ND 58505-0599 P/D: To provide disabled North Dakota residents who live in rented quarters with a tax refund. Persons who are permanently and totally disabled, are residents of North Dakota, and are renters are eligible to apply for this refund, provided their annual income does not exceed $13,500 from all sources. Residents over 65 years of age are also eligible, whether they are disabled or not. Applications must be submitted to the county auditor at any time. Sidney S. and Grace G. Hirsheimer Grts. Sidney S. and Grace G. Hirsheimer Foud. c/o National City Bank Attn: Trust Department P.O. Box 868 (812)464-9800 Evansville, IN 47705 P/D: To provide financial assistance to the needy blind in Indiana. Eligible to apply are blind residents of Vanderburgh County, IN who require financial assistance to purchase food, clothing, health care, etc. The amount awarded varies, depending upon the needs of the recipient. Applications may be submitted at any time. Polish Army Veterans Association of America Assistance Polish Army Veterans Association of America 17 Irving Place (212)473-0580 New York, NY 10003 P/D: To provide assistance to Polish veterans who served in the Allied forces during World War II and are in need because of disability of other causes. Eligible for this assistance are Poles who served in the Allied forces during World War II but are living in the United States and are in financial need because of disability or other causes. They must be members of the Polish Army Veterans Association of America. German Protestant Orphan Asylum Association 5342 St. Charles Ave., (504)895-2361 New Orleans, LA 70115 P/D: Areas of support include medical services, and youth programs. Initial approach by letter. Contact: Everett T. Aultman, Exec. Dir. New Jersey Lifeline Program Department of Human Services Attn: Division of Medical Assistance and Health Services CN 714 (800)792-9745 Trenton, NJ 08625-0714 P/D: This program is open to residents of New Jersey who are either disabled or over 65 years of age and who utilize public utilities. Eligible applicant=s include those who pay utility bills to one or more electricity or natural gas companies as well as those whose utility bills are included in their rent. The program applies only to permanent New Jersey residents, not to those who maintain temporary or seasonal residence in the state. Contact foundation for further guidelines. Applications may be submitted at any time. Operation Liftoff of Main Grants Operation Liftoff of Main P.O. Box 29 (207)848-7144 Carmel, ME 04419 P/D: This program is open to the residents of Maine between the ages of 3 and 18 who are seriously or chronically ill. To fill the wishes of children in Maine who have life-threatening illnesses. The amount involved, varies, depending upon the cost of filling the recipients dream. Applications may be submitted any time. Idaho Property Tax Reduction For Disabled Veterans Idaho Division of Veterans Services Attn: Office of Veterans Advocacy 550 West Fort, Box 044 Boise, ID 83724-0044 (208) 334-1245 or (800)827-1000 P/D: Eligible for this reduction are a) veteran=s with a compensable disability who own property in Idaho that they utilize as their primary residence b) veteran=s (whether disabled or not) who served during the Indian Wars, The Spanish-American War, or World War 1. Eligible veterans are entitled to this exemption as long as they reside in Idaho. Otto Sussman Trust P.O. Box 1374 Trainsmeadow Station Flushing, NY 11370-9998 P/D: Financial assistance for medical bills and care-giving expenses to individuals with serious or terminal illnesses. Limited to residents of New York, New Jersey, Oklahoma, and Pennsylvania. Write letter requesting application form and guidelines, explain circumstances of need, formal application required. Contact: Edward S. Miller, Trustee Dexter G. Johnson Educational and Benevolent Trust P.O. Box 26663 Oklahoma City, OK 73125 P/D: Medical expenses to physically disabled children and young men and women in OK. Assistance includes corrective surgery and hospitalization and the necessities of life while in convalescence. Past grants have been for ear and eye surgery and prosthesis, and skin surgery. Applications accepted throughout the year. Completion of formal application required including financial information, family history, physical condition, age, education goals, and other data necessary to show need. Contact: Betty Crews Paul Motry Memorial Fund P.O. Box 357 Sandusky, OH 44870-0357 P/D: Grants for medical expenses to physically disabled children who are residents of Erie and Eastern Ottawa Counties, OH. Completion of formal application required, including a letter from the doctor proving need. Charlotte M. Robbins Trust c/o State Street Bank & Trust Company P.O. Box 351 (617)654-3360 Boston, MA 02101 Application Address: c/o State Street Bank, 225 Franklin Street Boston, MA 02110 P/D: Financial assistance to aged coupled and aged women for medical bills. Limited to aged residents of the towns of Groten, Ayer, Harvard, Shirley, and Littleton, Massachusetts. Write letter stating income, expenses, assets, and reason money is needed. Contact: Cheryl D. Curtin, Vice President Walter S. and Evan C. Jones Foundation 527 Commercial St., Rm. 515 Emporia, KS 66801 (316)342-1714 P/D: Assistance with medical expenses to individuals under the age of 21 who have been continuous residents of Lyon, Coffey, or Osage counties, KS for at least one year. The types of medical assistance given in the past include, dental care, medical procedures, mental health care, hospital stays, eye-care and eyeglasses, preventative care, and hearing aids. Initial approach by letter. Completion of formal application required. Interviews required. Renal Assistance, Inc. 3700 Washington St., Ste. 102 Hollywood, FL 33021 P/D: Grants to residents of Florida who require haematolysis therapy or have received a renal transplant for the purpose of medical assistance, travel assistance, and emergency assistance. The foundation contributes to preselected individuals. Nurses House, Inc. 350 Hudson Street (212)645-9685 New York, NY 10014 P/D: Short term assistance to ill and indigent registered nurses in the U.S. who are in need of financial assistance to help meet basic living expenses. Costs of medical care and education are not funded. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required, except in some one-time emergency situations. Interview granted upon request. Charles E. Saak Trust c/o Wells Fargo Bank 5262 N. Blackstone Ave., (209)442-6232 Fresno, CA 93710 P/D: Dental and emergency medical assistance to children under 21 years of age from low income families residing in the Porterville/Poplar area of Tulare County, CA. Completion of formal application required, including purpose and estimate statement, parent=s financial statement, and copy of most recent income tax return. Contact: Christina M. Riley, Scholarship and Grant Director. Teddi Project Grants Camp Good Days Attn: Teddi Project (716)624-5555 1332 Pittsford-Mendon Road Mendon, NY 14506 P/D: To grant the wishes of seriously ill children in Florida and New York. This program is open to children (up to age 19) who have life threatening or terminal illnesses. Priority is given to children from central Florida and the upstate New York area, particularly Buffalo, Rochester, Syracuse, Albany and Binghamton. Application may be submitted at any time. Lotta M. Crabtree Theatrical Fund Grants Lotta M. Crabtree Trusts 11 Beacon Street, Ste. 1110 Boston, MA 02108 (617)724-5920 P/D: To provide financial assistance to disabled and other actors. Members of the theatrical profession are eligible to apply if they are disabled due to illness or some other misfortune. Requests for assistance must be made in writing. Rest Haven Preventorium For Children P.O. Box 23389 San Diego, CA 92193-0389 P/D: Grants to financially needy children only in San Diego County and Imperial County, CA for medical, dental, optical, therapy, hearing, childcare, and nutritional expenses. Write for guidelines People In Business Care, Inc. P.O. Box 39601 Minneapolis, MN 55439 P/D: Grants for medical assistance and emergency aid primarily to residents of MN and CA. Write for guidelines. Thursday=s Child Grants Thursday=s Child P.O. Box 9279 (608)988-4234 Madison, WI 53713-0279 P/D: To grant the wishes of seriously ill children in Wisconsin. This program is open to children (up to 19) who have life threatening or terminal illnesses. Priority is given to children from southwest and south central Wisconsin. Applications may be submitted at any time. James R. Nicholl Memorial Foundation c/o Bank One Ohio Trust Co., N.A. 235 West Schrock Road Westerville, OH 43081 Application Address: c/o Bank One Ohio Trust Co. N.A. Trust Dept 1949 Broadway Lorain, OH 44209 P/D: Medical and surgical expense assistance to needy children (2 to 21 of age) who have been residents of Lorain County, OH for at least two years. Applications accepted throughout the year. Completion of formal application required, including a letter indicating the medical need. Contact: David E. Nocjar, VP and Sr. Trust Office, Ban One Ohio Trust Co. Ontario Children=s Home P.O. Box 82 Canadaigua, NY 14424 Application Address: c/o Mrs. Richard Ogden 210 West Gibson Street Canadaigua, NY 14424 P/D: Grants for children=s medical and dental expenses for residents of Ontario County, NY. Applications accepted throughout the year. Completion of formal application required. Pardee Cancer Treatment Fund of Bay County 213 Center Avenue Bay City, MI 48708 Application Address: c/o Patricia White Manager 400 South Trumbull P.O. Box 541 (517)894-5332 Bay City, MI 48708 P/D: Payment of medical bills to cancer patients who are residents of Bay County, MI. Application by letter, including list of expenses incurred and other financial information. Interviews required. Butterworth Foundation, Inc. 75 Butterworth Road Royalston, RFD No. 2 (508)249-7612 Orange, MA 01364 P/D: Grants to fulfill the wishes of residents of Worcester and Franklin counties, MA who are diagnosed with AIDS. As funds are available, applications will also be considered from residents of Hampshire County, MA (Amherst-Northampton area) Cheshire County, NH (Keene area), and Windham County, VT (Brattleboro area). Application by letter outlining wish, including documentation from a health care provider or other qualified individual, indicating the applicant has not been an active drug abuser for the past six months or longer. Contact: Allen Young, President High Technology Fund Independence for the Blind 1278 Paul Russell Road (904)942-3658 Tallahassee, FL 32301 P/D: To provide an opportunity for the multi-handicapped blind in Florida to have access to assistive devices. The rental period can last as long as 5 years. Applications may be submitted at any time. Cornelia M. Moore Memorial Free Dental Foundation c/o Wells Fargo Bank, N.A. 525 Market Street, 17th Floor P.O. Box 63954 San Francisco, CA. 94163 P/D: Dental expense assistance to residents of Santa Barbara, CA who are under the age of 18. Funds are paid directly to dentists. Write for guidelines. Josiah Sleeper and Lottie Sleeper Hill Fd. c/o PNC Bank, N.A. 1632 Chestnut Street Philadelphia, PA 19103 Application Address: c/o Taylor Hospital Ridley Park, PA 19078 P/D: Grants to women and children, primarily in PA to cover rehabilitative and convalescent expenses. Application accepted throughout the year. Completion of formal application required. Alice L. Carlisle Trust for Children of Town of Goshen, Bank of Boston, Conn. Trust Tax Dept., P.O. Box 2210 Waterbury, CT 06702 P/D: Medical expenses for children living in Goshen, CT. Application by letter. Foundation of the Alumnae Association of Mount Sinai Hospital School of Nursing, Inc. One Gustave L. Levy Place New York, NY 10029 (212)289-5566 P/D: Grants to financially needy or ill nurses, and scholarships to financially needy nursing students. Write or call for further guidelines. A Helping Hand Feminist Health Fund P.O. Box 323 Yellow Springs, OH 45387 P/D: To help Ohio women with medical and related expenses during critical illnesses. Women who are residents of southwestern Ohio, at least 18 years of age, and are suffering from cancer, heart disease, severe allergies, depression, or other critical illnesses are eligible to receive support. Write for further guidelines. Requests for support may be submitted at any time. Physician=s Aid Association 10937 Hillhaven Ave., (818)951-0748 Tujunga, CA 91042-1417 P/D: Medical and financial assistance to physicians in Los Angeles County, CA who are disabled or retired and to their immediate families. Initial approach by letter or telephone. Completion of formal application required. Contact: Bonnie Ferris, Exec. Dir. Urann Foundation P.O. Box 1788 (508)588-7744 Brockton, MA 02403 P/D: Medical assistance grants for Massachusetts families engaged in cranberry farming and processing. Grants intended to assist in payment of hospital and medical bills. Limited to families located in MA. Initial contact by phone or letter. Contact: Howard Whelan, Admin. Brass Ring Society Grants 551 E. Semoran Blvd., #E5 Fern Park, FL 32730 (800)666-WISH P/D: To enrich the lives and fulfill the dreams of children whose lives are being threatened by illness or disease. This program is aimed at children between the ages of 3 and 18 who are chronically or terminally ill. There are no restrictions on residency, illness, or dream wishes. Application may be submitted at any time. William J. Munson Fund c/o Bank of Boston, Connecticut P.O. Box 2210, Trust Tax Dept. Waterbury, CT 06702 Application Address: c/o Alfred Morency, Chair. 71 Scott Road Watertown, CT 06795 P/D: Medical expense assistance to residents of Watertown, CT. Completion of formal application required, including financial information. State of Arizona, Aging and Adult Admin 1789 W. Jefferson, 2 SW, 950 A Phoenix, AZ 85007 P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc. Wishing Well Foundation Grant Wishing Well Foundation P.O. Box 717 St. Louis, MO 63188 P/D: To grant the wishes and dreams of chronically and terminally ill children in the St. Louis area. Children in the St. Louis area who are facing life-threatening illnesses are eligible for this program. Applications may be submitted any time. Chrysler Motors Physically Challenged Assistance Program Chrysler Corporation Attn: Automobility Program P.O. Box 3124 Bloomfield Hills, MI 48302-3124 P/D: To provide a reimbursement for the cost of installing adaptive driving aids on new purchases of new Chrysler Motors cars, trucks, or vans that required adaptive driving aids or conversion equipment for disabled users. Contact Corporation for further guidelines. James T. Hambay Foundation P.O. Box 6361 (717)652-7911 Harrisburg, PA 17112 P/D: Medical expense assistance to blind, physically disabled, and indigent children under the age of 18, who reside in Harrisburg, PA and vicinity. Application accepted throughout the year. Initial approach by letter stating medical expenses and current income. The Steeplechase Fund 400 Fair Hill Drive Elkton, MD 21921 P/D: Financial assistance and medical expenses only to former steeplechase jockeys and their widows and families. Application by letter including information about when applicant was disabled and medical bills. Contact: Charles Colgan Theresa C. Herron Memorial Scholarship National Federation of the Blind of New Hampshire, c/o Louis Gosselin Division of Vocational Rehabilitation 361 Lincoln Street, (603)669-8733 Manchester, NH 03103 P/D: Grants to provide funding for high school expenses incurred by visually impaired students in New Hampshire. This program is aimed at high school students in New Hampshire who are either legally blind or visually impaired (20/60 in the better eye or worse). Selection is based on academic record, letters of recommendation, previous awards, personal activities, and personal goals. This is a one time award. Dexter G. Johnson Educational and Benevolent Trust P.O. Box 26663 Oklahoma City, OK 73125 P/D: Medical expenses to physically disabled children and young men and women of OK. Assistance includes corrective surgery and hospitalization and the necessities of life while in convalescence. Past grants have been for ear and eye surgery and prosthesis, and skin surgery. Applications accepted throughout the year. Completion of formal application required including financial information, family history, physical condition, age, education goals, and other data necessary to show need. Contact: Betty Crews Automobiles or Other Conveyances For Disabled Veterans Department of Veterans Affair 810 Vermont Avenue, N.W. Washington, DC 20420 (202)418-4343 Or (800)927-1000 P/D: Grant funding for certain disabled veterans and current service personnel who require specially adapted automobiles. Write for guidelines. Applications must be submitted. A. C. Needles Trust Fund Hospital Care c/o First Union National Bank CHG- 1161 Charlotte, NC 28288 P/D: Grants for hospital care aid to preselected needy individuals in the Roanoke, VA area. Contact fund for current application deadline and procedures. Smock Foundation Grants Frank L. and Laura L. Smock Found. c/o Norwest Bank Fort Wayne Attn: Investment and Trust P.O. Box 960 Fort Wayne, IN 46801-6632 (219) 461-6444 fax: (219)461-6678 P/D: To provide financial assistance to disabled elderly, and ill individuals of the Presbyterian faith who reside in Indiana. Applications may be submitted at any time. Lena P. Frederick Trust Fund c/o Key Trust Company 35 State Street Albany, NY 12207 Application Address: c/o Christina Cook Key Trust Co. of Maine 288 Water Street Augusta, ME 04430 P/D: Grants to needy persons of Belfast, MD for medical and general assistance. Applications by letter accepted throughout the year. New Jersey Partial Exemption From Realty Transfer Fee for Senior Citizens or Disabled Persons New Jersey Division of Taxation Attn: Taxpayer Information Services 50 Barrack Street, CN 269 Trenton, NJ 08646-0269 (609)292-6400 Or (800) 323-4400 P/D: Grants to provide exemption from realty transfer fees paid by senior citizens, disabled persons, and blind people in New Jersey. Eligilbe for these exemptions are persons aged 62 and older, permanently and totally disabled individuals, and blind people who are legal residents of New Jersey. Write or call for guidelines. Idaho Income Tax Deduction For The Blind And Their Widow (ers) (FT) Idaho State Tax Commission Attn: Public Information Office 800 Park Blvd., Plaza IV P.O. Box 36 Boise, ID 83722 (208)334-7750 or (800)972-7660 (within ID, OR, UT, and WA) P/D: Grants to exempt a portion of the income of blind or elderly residents from state income tax in Idaho. Eligible for this deduction are blind residents of Idaho and residents over the age of 65. Children=s Dream Factory Grants Children=s Dream Factory of Maine 2273 Congress Street Portland, ME 04102 (207)774-1330 or (800)639-1492 P/D: To fulfill the dreams of children in Maine who are chronically or terminally ill. This program is aimed at children whose lives are threatened by illness or disease. They must be residents of Maine aged 3 to 16. Applications may be submitted at any time. Burks Charitable Trust f/b/o Fresno Lodge No. 247, F. & A. M. c/o Fresno Lodge No. 247, F.& A. M. 3444 E. Shields Avenue Fresno, CA 93726 P/D: Financial assistance including medical expenses, to needy families who are residents of CA. Applications by letter outlining financial need and reason for request. Committee interviews and investigation of all applicants required. No grants are made without a personal interview at the Trust=s Fresno CA office. Applicants must have resided in CA for at least 12 months prior to application. Charles Montague Charitable Trust c/o Fleet Bank, N.A. 915 Main Street, MSN 252 Hartford, CT 06103 Application Address: c/o Fleet Bank, N.A. P.O. Box 4276 Boston, MA 02211 P/D: Assistance to financially needy residents of Wakefield, MA to help cover hospital bills, including psychotherapy. Contact foundation for current application guidelines. Dream Factory Grant Dream Factory, Inc. P.O. Box 3942 (800)456-7556 Louisville, KY 40201-3942 P/D: To grant the wishes of children who are critically and chronically ill. This program is aimed at children between the ages of 3 and 13 who are facing a life-threatening illness. One time gift. Southern Oregon Lions Sight and Hearing Center, Inc. 228 N. Holly (541)779-3653 Medford, OR 97501 P/D: Grants to residents of southern OR particularly Jackson County, for vision and hearing medical care, including exams, surgery, eyeglasses, hearing aids, and travel expenses. Applications accepted throughout the year. Applications by letter outlining sight and hearing impairments. Contact: Exec. Secy. Louis S. Oppenheim Trust c/o First of America Trust Co. 301 S. W. Adams (309)655-5418 Peoria, IL 61652 P/D: Medical and living expenses to financially needy, blind residents of Peoria County, IL. Applications by letter or telephone outlining financial need. Contact: David Welch, VP. First of American Trust. Frank and Laura L. Smock Foundation c/o Norwest Bank Indiana, N.A. P.O. Box 960 (219)461-6451 Fort Wayne, IN 46801-6632 P/D: Medical and nursing care assistance to ailing, needy, crippled, blind, or elderly residents of IN who are members of Presbyterian churches and who have less than $3,000 in assets. Initial approach by letter. Completion of formal application required. Mary Mansfield Fund For The Aged c/o Fifth Third Bank of Central Kentucky Dept. 00858 Cincinnati, OH 45263 Application Address: c/o Fifth Third Bank of Central Kentucky 269 W. Main Street, Lexington, KY 40507 P/D: Grants for medical expenses to indigent residents of Bourbon County, KY. Applications accepted throughout the year. Completion of formal application required. Palestine Temple Charities Trust One Rhodes Place Cranston, RI 02906 P/D: Medical expenses assistance primarily to financially needy individuals living in RI. Grants help cover the costs of health care providers, doctor=s bills, hospital stays, drugs, and medical supplies. Applications by letter including medical information. Contact: A. Sheffield Reynolds, Treas. Alice M. G. Soper Fund Hawaii Community Foundation 900 Fort Street Mall, Suite 1300 Honolulu, HI 96813 (808) 537-6333 or (808)521-6286 P/D: To provide financial assistance to older residents of Hawaii who are suffering from a disability or illness. Residents of Hawaii who are over 50 years of age and are experiencing financial difficulties because of a disability or illness are eligible to apply. This program is administered by the Hawaii Community Foundation and the Hawaiian Trust (111 South King Street, Honolulu, HI 96813, (808)5384540). Fanny S. Gilfillan Memorial, Inc. P.O. Box 68 Morgan, MN 56266 Application Address: c/o Redwood County Human Services P.O. Box 27 Redwood, MN 56283 P/D: Medical expense assistance only to financially needy residents of Redwood County, MN who are otherwise unable to pay yet who are ineligible for government sponsored medical assistance. Contact: Arliss Becker Missouri Senior Citizen, Disabled Veteran, and Disabled Person Property Tax Credit Claim Missouri Department of Revenue 1617 Southridge Drive P.O. Box 2800 (314)751-7191 Jefferson City, MO 65105-2800 (800)877-6881 or TDD (800)735-2966 (within MO) P/D: Grants to provide a tax credit to low-income disabled veterans, senior citizens, and other disabled persons in Missouri. Eligible veterans, disabled people, and senior citizens may claim this credit when they file their state income tax return, in April of each year. The Christian Charitable Trust 14450 T.C. Jester, Suite 170 Houston, TX 77014 P/D: Relief assistance for medical treatment to indigent individuals primarily residing in TX. Previous assistance has aided people with cancer, leukemia, and arthritis. Write for further information. Southwest Michigan Rehab Foundation 723 Allison Drive, (616)781-2215 Marshall, MI 49068 P/D: Medical equipment expenses for patient rehabilitation to financially needy residents of southwestern MI. Recipients income must not exceed two and one-half times the poverty rate. Initial approach by letter requesting application form. Completion of formal application required. Contact: Carl F. Green, President Myra Deane Memorial Trust c/o Harrington & Merryweather 202 High Street P.O. Box 253, (410)228-3610 Cambridge, MD 21613 P/D: Financial assistance for nursing home costs to needy residents of Dorchester County, MD. Contact Trust for current application procedures. Edmondson-Telford Foundation P.O. Box 3430 (770)532-3228 Gainesville, GA 30503 P/D: Grants to financially needy residents of the Hall County, GA area, for medical expenses and general welfare assistance. A small amount is also given for educational expenses. Application by letter or telephone outlining financial need. Contact: William M. House, Trustee New Hampshire Property Tax Credit For Disabled Veterans New Hampshire Department of Revenue Administration 61 S. Spring Street P.O. Box 457 (603)271-2687 Concord, NH 03302-0457 TDD: (603)225-4033 P/D: Grants to provide property tax credits in New Hampshire to disabled veterans or their surviving spouses. Eligible for this tax credit are New Hampshire residents who are U.S. citizens, veterans, and totally and permanently disabled from a service connected injury. Applications for a permanent tax credit may be made at any time. C. E. Gibbs Memorial Fund Trust c/o The Honesdale National Bank 733 Main Street, (717)253-3355 Honesdale, PA 18431 P/D: Medical expense assistance to residents of Wayne County, PA. Applications accepted throughout the year. Application by letter outlining financial and medical needs. Contact: Mary McElroy, Trust Mgr. The Honesdale National Bank Alabama Ad Valorem Homestead Exemp. Alabama Dept. of Revenue Attn: Ad Valorem Tax Division Gordon Persons Building, Room 4126 Montgomery, AL 36132-7210 (334)242-1525 P/D: Grants for disabled, blind and elderly residents of Alabama from ad valorem property taxes imposed by counties. Resident must meet the eligibility requirements. Federal Income Tax Credit For The Elderly or The Disabled Internal Revenue Service, Serv. Hdqrts. 1111 Constitution Avenue, N.W. Washington, DC 20224 (800)TAX-FORM P/D: To provide a federal income tax credit for certain elderly and disabled citizens. Write for guidelines. Loris and Pauline Keen Charitable Trust P.O. Box 404 (405)363-0800 Blackwell, OK 74631 P/D: Medical expenses for financially needy children with eye problems living in OK. Some assistance for children in OK in need of dental care. Assistance includes exams, screenings, and lenses. Applications accepted throughout the year. Completion of formal application required, including financial information. Josiah H. Danforth Memorial Fund Eight Fremont Street, (518)725-0653 Gloversville, NY 12078 P/D: Grants are awarded for the payment of medical expenses in times of illness need and misfortune for the residents of Fulton County, NY. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required. Foundation For The Carolinas P.O. Box 34769 (704)376-9541 Charlotte, NC 28234-4769 P/D: Medical expense assistance to financially needy children who are residents of NC and SC. The Foundation administers the following funds for children: a) Children=s Medical Fund Provides asst. for the medical needs of children, age 17 and under that are beyond the means of the family income. b) E. F. Hutton Fund provides assistance to children under age 18 of NC who are disabled and in need of braces, corrective shoes, wheelchairs, and other orthopedic appliances. Contact foundation for current application deadline. Initial approach by letter. Completion of formal application required. North Dakota Property Tax Credit For Senior Citizens or Disabled Persons Office of State Tax Commissioner State Capitol Building 600 E. Boulevard Avenue Bismarck, ND 58505-0599 (701)328-3127 Fax: (701)328-3700 TDD: (701)328-2778 P/D: Grants to provide property tax exemptions for disabled or senior citizen residents of North Dakota. To qualify for this program, applicants must be residents of North Dakota and either totally and permanently disabled (regardless of age) or at least 65 years of age. For husbands and wives who are living together, only one can apply for the credit. Applicant=s must reside in the property for which the credit is claimed. Write or call for further guidelines. Faye O. Schenck Trust c/o Bank One Trust 111 Monument Circle, Suite 1501 Indianapolis, IN 46277-0115 Application Address: c/o Lyle Fogle, VP. And Trust Officer Bank One Trust Group, (317)423-0889 Lafayette, IN 47901 P/D: Medical, surgical and hospital expense assistance to indigent residents of Montgomery County, IN. Individuals must be recommended by Montgomery County doctors, medical laboratories, hospitals, or school nurses. Recommendations by letter accepted throughout the year. Letters should accompany proof of individual=s inability to pay. Pharmaceutical Assistance To The Aged and Disabled Program Dept. of Human Services Attn: Division of Medical Assistance and Health Services, CN 715 Trenton, NJ 08625-0715 (800)792-9745 Or TTY:(609)588-7180 P/D: To provide financial support to the disabled and others in New Jersey who use prescription drugs. This program is open to residents of New Jersey who are either disabled or over 65 years of age and who purchase prescription drugs, insulin and insulin needles, and certain diabetic testing materials. Applications may be submitted at any time. Portland Female Charitable Society 20 Noyes Street Portland, ME 04103 P/D: Aid limited to financially needy residents of the City of Portland, ME for dental care, prescriptions, hearing aids, glasses, or other needs having to do with health, food, or shelter, with emphasis on the needs of children, the elderly, and the ill. Requests usually presented by social workers, public health nurses, counselors, etc. Interviews required. Contact: Jean Leighton, Treas. Idaho Grocery Credit Idaho State Tax Commission Attn: Public Information Office 800 Park Blvd., Plaza IV P.O. Box 36 Boise, ID 83722 (208)334-7500 (800) 972-7660 (within ID, OR, UT, & WA P/D: Grants to provide a credit against withheld taxes to disabled veterans, the blind, and the elderly from state income taxation in Idaho. Call for guidelines. Avery-Fuller Children=s Center 251 Kearney Street, No. 301 San Francisco, CA. 94108 (415) 986-1687 P/D: Funds are to pay for medical services, physical and occupational therapy, psychotherapy, special school or remedial education, prosthetics, appliances, prescriptions, and related services for disabled children. The application must be submitted by the professional who has the primary case responsibility ( a social worker, teacher, physician, or therapist). Both the professional and the child must reside within the geographic specifications. Specific forms are required. Contact: Nancy J. Lobaugh, Exec. Dir. State of Alaska, Alaska Commission on Aging P.O. Box C Juneau, AK 99811 P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc. Cloud County Children=s Trust c/o Citizens National Bank 115 West Sixth Street P.O. Box 409 (913)243-3211 Concordia, KS 66901 P/D: Grants to Cloud County, KS children age 12 and under with special needs, and their families. Needs and expenses must not be covered by insurance or other programs and charities. Write or call for program descriptions. Division of Public Health Health and Social Services Dept. P.O. Box 637 (302)739-4701 Dover, DE 19903 P/D: Health care for pregnancy and for children with special health-care needs. Stearns-Blodgett Trust c/o Wells Fargo Bank, N.A. P.O. Box 30100 (702)334-5849 Reno, NV 89520-0100 P/D: Financial assistance to indigent residents of NV and northern CA who are in need of opthalmological care. Completion of formal application required. Application must be certified by a sponsor licensed MD, state-certified hospital, member of the Knight Templar of the Free and Accepted Masons, or a cooperating organization approved by the trust committee. Write or call for further guidelines. Contact: Leo Humphrey=s, Member Admin. Comm. Bridgeport Ladies Charitable Trust c/o Chase Manhattan Bank of Connecticut 999 Broad Street Bridgeport, CT 06604 P/D: Grants to financially needy residents of the greater Bridgeport, CT area for health care and home assistance. Recipients are referred by Family Services Woodfield in Bridgeport, CT and other community agencies in CT. Hoechst Marion Roussel Indigent Patient Program c/o Samples Dept. K2-M1216 P.O. Box 9950 (800)221-4025 Kansas City, MO 64134-0950 P/D: Prescription drugs to individuals who fall below the federal poverty level and who are in need of continual drug therapy. Applicants must be ineligible for third party medication payments. Initial approach by telephone. Completion of formal application required, including physician=s certification of patient=s medical and financial needs. Contact: Mr. Pat Mc Nerney, Dir of U.S. Commercial Services. All Indian Pueblo Council Speech and Hearing Program All Indian Pueblo Council, Inc. Attn: Speech, Language, and Hearing Pro 3939 San Pedro NE, Suite D P.O. Box 3256 Albuquerque, NM 87190 (505)884-3820 fax: (505)883-7682 P/D: Grants to provide hearing aids and other assistive devices to Pueblo Indian children and adults. All hearing aids and their related services are provided at no cost to children. Adults are charged on a sliding fee scale with the total cost not exceeding the manufacturer=s actual cost of the aid. Write or call for further guidelines. George S. Weeks Trust c/o Bank One, Lexington, N.A. 201 E. Main Street Lexington, KY 40507 P/D: Financial assistance to needy legally blind individuals of Fayette and Bourbon Counties, KY for equipment, supplies and training. Application by letter outlining financial need and verifying residency and blindness. Contact: C. K. Conrey Maternal and Child Health State Dept. of Health 301 Centennial Mall South P.O. Box 95007 (402)471-2907 Lincoln, NE 68509 P/D: Health care for pregnancy and for children with special health care needs. Clarke (Louis G. & Elizabeth L.) Endowment Fund U.S. National Bank of Oregon P.O. Box 3168 (503)228-9405 Portland, OR 97208 Application Address: Scottish Rite Temple 709 SW 15th Avenue Portland, OR 97205 P/D: Grants to needy masons or their immediate family who require hospitalization in the Portland, Oregon metropolitan area. (Multnomah, Clackamas and Washington counties). Limited to Masons and their immediate families. Write for guidelines. Contact: G. L. Selmyhr, Exec. Sec=y Swiss Benevolent Society of Chicago 6440 N. Bosworth Chicago, IL 60626 P/D: Grants to elderly and other individuals of Swiss descent or nationally in cases of need or emergency. Limited to Chicago area residents of Swiss descent or nationality. Formal application required, write for program information and current program deadlines. Contact: Admiral Alan Weber, President Roy M. Speer Foundation 1803 U.S. Highway 19 Holiday, FL 34691-5366 P/D: Grants to individuals in financial difficulty as a result of medical problems. Limited to residents of Florida. Initial approach by letter. Inez Sprague Trust c/o Rhode Island Hospital Trust Bank One Hospital Trust Plaza Providence, RI 02903 (401)278-8700 P/D: Financial assistance and medical expenses for needy individuals. Limited to residents of Rhode Island. Initial approach by letter. Contact: Trustee The Ford (S. N. Ford & Ada) Fund c/o Key Trust Co. of Ohio, N.A. P.O. Box 849 (419)525-7668 Toledo, OH 44901 P/D: Grants for hospitalization and care of the aged and incurably ill. Limited to residents of Richland County, Ohio. Write for guidelines, and annual report. Contact: Tracey Williamson, Trust Officer, Key Trust Co. of Ohio, N.A. Grace Bryan Taylor Trust Estate c/o Hawaiian Trust Co. Ltd. P.O. Box 3170 Honolulu, HI 96802-3170 Application Address: c/o Hawaii Community Foundation 900 Fort Street Mall, Suite 1300 Honolulu, HI 96813 (808)566-5570 P/D: Grants to financially needy residents of Hawaii who suffer from angina pectoris. Write for guidelines. Hynd Blind Fund of the James Hynd Tr c/o Bank One, N.A. P.O. Box 4418 Boulder, CO 80306 P/D: Eyeglasses to financially needy individuals given with the cooperation of more than 40 local businesses. Charles D. Gilfillan Paxton Memorial c/o Thomas W. Murray, Vice President W-555 First National Bank Building St. Paul, MN 55101 (612)291-6236 Application Address: 511 Morten Drive Redwood Falls, MN 56283 P/D: Medical assistance to financially distressed Minnesota residents. Priority given to those in areas and towns with populations of less than 3,000. Limited to residents of MN. Formal application required. Contact: Marie La Plante, Sec=y. Butler Manufacturing Company Found. Penn Valley Park P.O. Box 419917, BMA Tower Kansas City, MO 64141-0197 (816) 968-3208 P/D: Hardship grants to aid individuals in emergency financial distress due to serious illness, fire or natural disaster. Limited to Butler Manufacturing Company employees, retiree=s and their dependents. Write for application guidelines and program information. Contact: Barbara Lee Fay, Foundation Adm Perkins (B.F. & Rose H.) Foundation P.O. Box 1064 (307)674-8871 Sheridan, WY 82801 P/D: Funding for medical assistance ages (2 to 10). Limited to individuals who have been residents of Sheridan County, WY for the last two consecutive years. Formal application required, obtain application forms from foundation. Contact: Margaret Sweem, Mgmt. The Kings Foundation P.O. Box 27333 Austin, TX 78755 P/D: Grants to individuals in financial need. Intended primarily for residents of Texas. Initial approach by letter. Society For The Relief of Families of Deceased & Disabled Indigent Members of The Medical Profession Of The State Of South Carolina c/o Ray Investor, M.D. 19 Guerard Road Charleston, SC 29407-2510 P/D: Grants to families of deceased or disabled SC physicians. The Benevolent Committee evaluates potential recipients throughout the year. Arkansas Income Tax Exemptions Dept. of Finance and Administration Attn: Revenue Division, Income Tax Sec. P.O. Box 3628 (501) 682-7250 Little Rock, AR 72203-3628 P/D: Grants to exempt a portion of the income of retired persons, including military personnel, veterans, and dependents of veterans, from state income taxes in Arkansas. Eligible are residents of Arkansas receiving military service pay, retired pay, survivor benefits, or disability income from any public or private employment related retirement system, plan, or program, including the armed forces. The exemption continues as long as the recipient resides in Arkansas. Lenna M. Keith Charitable Trust c/o Michigan National Bank P.O. Box 1707, Trust Tax Dept. Grand Rapids, MI 49501-1707 P/D: Medical and welfare assistance to financially needy individuals residing at Burcham Hills Retirement Center, Lansing, MI. Contact Trust for guidelines Thomas C. Burke Foundation 182 Riley Avenue No. B Macon, GA 31204-2345 (912)477-1934 P/D: Medical assistance in one of three forms: a) one-time payments for doctor bills, medical equipment and pharmacy bills, b) weekly grants of up to $60.00 to assist with medical expenses c) grants for transportation to medical facilities. Limited to residents of Bibb County, GA. Initial contact by phone. Contact: Carolyn P. Griggers Harrison and Conrad Memorial Trust c/o Nations Bank Trust Co., N.A. Two North Charles St., 3rd Floor Baltimore, MD 21201 Application Address: c/o Loudoun Memorial Hospital Office of the Administrator 70 W. Cornwall St., (703)777-3300 Leesburg, VA 22075 P/D: Grants only to children of Leesburg and Loudoun County, VA who are suffering from polio, muscular dystrophy or any other crippling disease, and whose families cannot afford treatment. Application by letter outlining financial need. Interviews required. George T. Welch Testamentary Trust c/o Baker-Boyer National Bank P.O. Box 1796 (509)525-2000 Walla Walla, WA 99362 P/D: Medical assistance for financially distressed individuals. Limited to residents of Walla Walla County, WA. Formal Application required. Contact: Holly T. Howard, Trust Officer State of Utah, Division of Aging and Adult Services 120 N. 200 West (801)538-3910 Salt Lake City, UT 84103 P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc. Make-A-Wish Foundation Of The Mid-South Grants Make-A-Wish Foundation of the Mid South 5118 Park Avenue, Suite 504 Memphis, TN 38117 (901)680-9474 Fax: (901)680-0912 P/D: To fill the dreams of children facing life threatening illnesses. This program is aimed at children who are 17 years of age or younger and are chronically or seriously ill. They must reside in western Tennessee, the 17 northern counties of Mississippi, or Arkansas. Applications may be submitted at any time. VFW Charitable Trust 422 E. Brandon Drive. Bismarck, ND 58501 P/D: Medical assistance to veterans from ND. Applications accepted throughout the year. Contact: Richard Grenz, Secy. William B. Lake Foundation Fidelity Bank, N.A. Broad & Walnut Streets, 3 MBO Philadelphia, PA 19109 Application Address: c/o Sophia O=Lessker, Social Worker Foxcraft Sq. Apts. #185 Jenkintown, PA 19406 P/D: Aid to individuals suffering from respiratory tract, or pulmonary disease. Limited to residents of the Philadelphia, PA area. Initial approach by letter. Include details of physical condition and supporting documents. Completion of formal application required. Interviews required. Alabama Ad Volorem Homestead Exemp. Alabama Dept. of Revenue Attn: Ad Valorem Tax Division Gordon Persons Building, Room 4126 Montgomery, AL 36132-7210 (334)242-1525 P/D: Grants for disabled, blind and elderly residents of Alabama from ad valorem property taxes imposed by counties. Resident must meet the eligibility requirements. High Hopes Foundation Grants High Hopes Foundation of New Hampshire P.O. Box 172 North Salem, NH 03073 (603) 8987-5333 or (800) 639-6804 P/D: To grant the wishes of seriously ill children in New Hampshire. Chronically ill children and children with life threatening diseases who are between the ages of 3 and 18 are eligible for assistance if they live in New Hampshire. Applications may be submitted at any time. Black Students Crisis Fund Black Student Fund Suite Ag 15-19 3636 16th Street, N.W. 4th Floor Washington, DC 20010 (202)387-1414 P/D: Grants available to Black American families residing in Maryland, Virginia and the District of Columbia who have emergency short-term needs for food, shelter, or medical care are eligible to apply. Funds are awarded to alleviate short-term crises only. G.M.L. Foundation, Inc. P.O. Box 916 Port Angeles, WA 98362 P/D; Grants for individuals who need medical help. Write for guidelines. Contact: Reba Cornett, Exec. Secy. R. L. Davis Charitable Trust Fund, Inc. P.O. Box 112 Farmville, NC 27828 Application Address: c/o Cedric Davis 112 W. Wilson Street, (919)753-4520 Farmville, NC 27828 P/D: Medical assistance to financially needy individuals who live within a five mile radius of Farmville, NC or live on land owned by heirs of R. L. Davis. Applications accepted throughout the year. Initial approach by telephone. Interview required. Applications must be made in person. Information requested included the nature of the health problem, extent of financial resources, marital and dependent status, and place of residence. Rose Ladies Aid Society c/o Sackrider & Co., Inc. 1925 Wabash Avenue P.O. Box 330 (812)232-9492 Terre Haute, IN 47808 P/D: Grants for low income families in Virgo County, IN for medical, dental, and emergency living expenses. Recipients are referred by welfare organizations. Dorothy Ames Trust c/o Key Trust Co. of Maine Key Trust Company 35 State Street Albany, NY 12207 Application Address: c/o Christina Cook Key Trust Co. of Maine P.O. Box 1054 Augusta, ME 04332-1054 P/D: Grants to hearing impaired children only. Assistance is given for hearing aids, auditory trainers, and other expenses related to hearing impairment. Applications accepted throughout the year. Initial approach by letter stating need. The Geoffrey Foundation, Inc. P.O. Box 1112 Kennebunkport, ME 04046 Application Address: c/o Chester E. Homer, 111, President 89 Ocean Avenue Kennebunkport, ME 04046 P/D: Grants to severely to profoundly hearing impaired individuals using auditory verbal as their primary mode of communication. Recipients must be residents of the U.S. and attending school Initial approach by letter. Idaho Circuit Breaker Property Tax Red Idaho State Tax Commission Attn: Public Information Office 800 Park Blvd., Plaza IV P.O. Box 36, Boise, ID. 83722 (208)334-7750 or (800)972-7660 within ID, OR, UT, and WA. P/D: Grant to reduce a portion of the property tax of disabled and other veterans and other disabled or elderly residents of Idaho. Must be residents of Idaho who are disabled (including the blind and veterans with at least a 10 percent service connected disability). Write for guidelines. Jefferson (John Percival and Mary C.) Endowment Fund 114 E. De La Guerra (805)963-8822 Santa Barbara, CA 93102 P/D: Emergency relief assistance for medical, dental and living expenses. Limited to residents of Santa Barbara County, California. Initial contact by letter. Formal application required. Contact: Susan Morales Alaska Property Tax Equivalency Division of Veterans Affairs P.O. Box 5800 (907)428-6016 Ft. Richardson, AK 99505-5800 fax: (907)428-6019 P/D: Grants to provide disabled veterans in Alaska an equivalency payment if they rent their primary residence. Eligible for this exemption are disabled veterans in Alaska whose disability was incurred or aggravated in the line of duty and whose disability has been rated as 50 percent or more by the military service of the U.S. Department of Veterans Affairs. Qualified veterans are those who rent their primary residence. Call or write for further guidelines. Jones (Walter S. and Evan C.) Found. 572 Commercial Street, Room 515 Emporia, KS 66801 (316)342-1714 Application Address: c/o Bank IV Emporia Emporia, KS 66801 P/D: Financial assistance for medical expenses. Grants based on demonstrated financial need. Applicants must have been continuous residents of Lyon, Coffey or Osage counties, Kansas, for at least one year. Applicants must be under 21years of age. Initial approach by letter. Formal application required. Contact: Sharon R. Brown, General Mgr. Governor=s Office of Elderly Affairs P.O. Box 50063 Old San Juan Station (787)721-6121 San Juan, PR 00902 P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged such as housing, health, transportation, etc. Delaware Health and Social Services, Division of Services for Aging and Adults with Physical Disabilities 1901 N. Dupont Hwy. Admin. Bldg. Annex New Castle, DE 19720 (302)577-4791 P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc. George S. Ladd Memorial Fund c/o Wells Fargo Bank, Trust Tax Dept. P.O. Box 63954 (800)435-2435 San Francisco, CA 94163 P/D: Financial assistance grants, including funding for medical treatment. Limited to elderly and retired employees of Pacific Bell, Nevada Bell and Pacific Northwest Bell. Write for guidelines. Mississippi Tax Deduction for The Blind State Tax Commission 102 Woolfolk Building P.O. Box 960, (601)359-1141 Jackson, MS 39205 P/D: To deduct a portion of the income of the blind from state income tax liability in Mississippi. Eligible for this exemption are residents of Mississippi who have been declared legally blind. The deduction must be requested on the resident=s state income tax return, which is due in April. Marion Isabelle Coe Fund c/o Bank of Boston, Connecticut P.O. Box 2210 Waterbury, CT 06710 P/D: Relief assistance to adults for living and medical expenses. Grants provide continuing assistance to needy individuals, enabling them to remain in their own homes. Award paid in monthly installments and are renewed annually. Limited to residents of Goshen, Litchfield, Morris and Warren, CT. Contact: Mrs. Speers. New Mexico Tax Exemption For The Blind and Elderly Taxation and Revenue Department P.O. Box 630 Santa Fe, NM 87504-0630 P/D: Grants to exempt a portion of the income of New Mexico residents who are blind or over the age of 65 from state income tax liability. The exemption continues as long as the qualifying resident remains in the state. Mallory-Taylor Foundation, Inc. 115 W. Main Street La Grange, KY 40031 P/D: Health care assistance to residents of Oldham County, KY who do not have any other form of medical coverage. Applications accepted throughout the year. Completion of formal application required. Contact: Barry D. Moore, Char The Elizabeth Church Clarke Testamentary Trust/Fund Foundation c/o U.S. National Bank of Oregon P.O. Box 3168 Trust Division Portland, OR 97208-3168 Application Address: c/o Mr. G. L. Seimyhr, Exec. Secy. Scottish Rite Temple 709 SW 15th Ave., (503)228-9405 Portland, OR 97205 P/D: Grants for medical assistance. Payments may be made directly to the individuals or to the physicians and hospitals providing services. Limited to residents of Oregon. Initial approach by letter, detailing needs and costs. State of Nebraska, Depart. Of Aging P.O. Box 95044 301 Centennial Mall South Lincoln, NE 68509-5044 (402) 471-2306 P/D: Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent data on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged, such as housing, health, transportation, etc. Kate Kinloch Middleton Fund P.O. Box Drawer 2527 Mobile, AL 36601 P/D: Grants to help defray the costs of unexpected serious illness. Limited to residents of Mobile County, AL. Contact: Joan Sapp Reade Industrial Fund c/o Harris Trust and Savings Bank P.O. Box 755 (312)461-7550 111 W. Monroe Street Chicago, IL 60690 P/D: Grants to individuals who through accidental injury, illness of themselves or family members, or inability to work, are unable to care for themselves, their spouses and their children. Limited to individuals who are currently or who have previously been employed in industry in Illinois. Initial approach by letter. Formal application required. Contact: Tony Abiera Gore Family Memorial Foundation 501 E. Las Olas Fort Lauderdale, FL 33301 P/D: One-time and short-term assistance grants for medical expenses, equipment for the handicapped and housing and transportation costs. Limited to residents of Broward County, Florida and surrounding areas. Write for application guidelines. Robert B. Cranston/Theophilus T. Pitman Fund 55 Memorial Blvd., (401)847-0217 Newport, RI 02840 P/D: Grants to the aged, temporarily indigent and indigent people of Newport County, Rhode Island. Funds for medical assistance, food, utilities, clothing and housing. Limited to residents of Newport County, RI. Reference from a local welfare agency required. Contact: The Reverend D. C. Hambly, Jr. Admin. Christian Business Cares Foundation P.O. Box 36091 (212)621-0096 Cleveland, OH 44136 P/D: One-time grants for life-threatening medical emergencies. Limited to residents of northeast Ohio. Awards determined on basis of the effect of grant on applicant=s overall condition. Write for guidelines, brochure and newsletter. Formal application required. Montana Real Property Tax Relief Veterans Affairs Division P.O. Box 5715 (406)444-6926 Helena, MT 59604 P/D: Grants to exempt from taxation the real property of disabled or deceased veterans in Montana. Eligible veterans or spouses are entitled to total real property tax relief for one residence. Write for further details. A. V. Hunter Trust, Inc. 55 Madison Street, Suite 225 Denver, CO 80202 (303)399-5450 P/D: Grants for residents of Colorado who have financial needs and bills not covered by Medicare or Medicaid. Formal application required. Contact: Sharon Holt, Secretary The Hawaii Community Foundation 900 Fort St. Mall, Suite 1300 Honolulu, HI 96813 (808) 556-5570 Program 1- Winifred D. Robertson Fund Description, One-time assistance to adult residents of Oahu, Hawaii. Program 2 - Alice M.G. Soper Fund Descr: One-time grants to adults, age 50 or older in financial need due to illness or disability. Program 3 - Irving L. Singer Fd Descr: One-time assistance to children of Hawaiian ancestry whose families are unable to pay for medical expenses, or for special education, social services, or mental health services. Program 4 - The Kitaro Watanabe Fund, Desc: Individual assistance to children in need. Restrictions (for all programs) Limited to residents of Hawaii. Call for application guidelines. Formal Application required. Contact: Suzanne Toguchi, Program Officer Hanna R. Kristianson Trust P. O. Box 1011 Albert Lea, MN 56007 Application Address: Clarks Grove, MN 56016 (507)256-4415 P/D: Financial aid to needy individuals over 50 years of age for medical bills. Limited to residents of Freeborn County, MN who are voer 50 years old. Call or write for guidelines. Contact: Richard S. Haug, Trst. Arkansas Disabled Veterans Property Tax Exemption Dept. of Finance and Administration Attn: Property Tax Refund Unit P.O. Box 1272 (501)682-7265 Little Rock , AR 72203-1272 P/D: Grants to exempt from taxation the property owned by disabled veterans, surviving spouses and minor dependent children in Arkansas. Applications accepted any time. Maternal and Infant Health 44 Medical Drive (801)584-8284 Salt Lake City, UT 84114 P/D: Health care for Pregnancy and for children with special healthcare needs. Herschend Family Foundation 2512 S. Campbell (417)883-9970 Springfield, MO 65807 P/D: Assistance for individuals in need of medical assistance. Intended primarily for residents of Missouri. Call or write explaining need. Contact: Gary Burgess, Manager The Gorgen (Peter and Anna) Fund Charitable Trust 141 S. Main Street, (307)684-2211 Buffalo, WY 82834-1824 Application Address: William J. Kirven 104 Fort Street (307)684-2248 Buffalo, WY 82834 P/D: Financial assistance for medical, dental and optical services. Limited to children in Johnson County, WY. Write for guidelines. Contact: Robert R. Holt, Trustee Johns Foundation (Formerly) Chippenham & Johnston-Willis Hospital Foundation) 1401 Johnston Willis Drive Richmond, VA 23235 (804)330-2049 P/D: Grants for cancer education, care and treatment primarily to residents of the Richmond, VA area. Applications accepted throughout the year. Application by letter outlining financial need and purpose. Contact: Dr. E. Forrest Jesee, Jr. Dallas Cotton Exchange Trust Dallas Cotton Exchange c/o Texas Commerce Bank P.O. Box 2320 Dallas, TX 75221-2320 P/D: Financial aid to persons engaged or formerly engaged in the cotton merchandising business in Dallas, TX, their employees and former employees, and the immediate families of the above, when they are unable to work or if able to work, unable to earn a sufficient amount to meet their needs because of medical problems. Formal application required. Contact: Joe Ferguson Graham Memorial Fund 308 W. Main Street, (803)479-6804 Bennettsville, SC 29512 P/D: Grants for medical assistance and general welfare. Limited to residents of Bennettsville, South Carolina. Formal application required. Contact: Chairman Make A Wish Foundation Grants Make A Wish Foundation of America 100 W. Clarendon Ave., Suite 2200 Phoenix, AZ 85013-3518 fax: (602)279-0855 or (800)722-WISH P/D: To grant the wishes of children with terminal or life threatening illnesses. Program open to children in the U.S. up to the age of 18 who are either terminally ill or have life threatening medical conditions creating the probability that they will not survive beyond their 18th year. Applications may be submitted at any time. Hudson-Webber Foundation 333 W. Fort Street, Suite 1310 Detroit, MI 48226 (313)963-7777 P/D: Counseling services and last resort financial assistance. Grants provided primarily in cases involving problems with physical or emotional health, and in financial, emergencies. Limited to employees and qualified retired employees of the J. L. Hudson Company. Formal application required for review by the foundation=s trustee=s, interviews required. Contact: Gilbert Hudson, President Anna Emory Warfield Memorial Fund c/o 1210 Mercantile Bank & Trust Bldg. 2 Hopkins Plaza (410)547-0612 Baltimore, MD 21201 P/D: Relief for medical assistance to elderly women in the Baltimore, Maryland area. Write to request application guidelines, formal application required. Contact: Thelma K. O=Neal, Secretary Baker (Clark And Ruby) Foundation c/o Bank South, Personal Trust Department P.O. Box 4387 - 678 Atlanta, GA 30302-4387 (770)989-6106 P/D: Grants primarily to retired Methodist ministers for pensions and medical assistance for residents of Georgia. Initial approach by letter or phone. Interviews required. Contact: Richard L. Watton, Trust Officer West Virginia Office of Aging Commission on Aging 1900 Kanawha Blvd. E. Holly Grove, Bl.10 Charleston, WV 25305-0160 (304)558-3317 P/D; Grants and assistance for projects and programs related to the aged. The grant-seeker should contact the agency for the most recent date on the status of listed or planned programs, as well as be aware of the state=s priorities for the aged. Iowa Disabled Veteran Property Tax Crt. Veterans Affairs Division Camp Dodge 7700 Northwest Beaver Drive Johnston, IA 50131-1902 (515)242-5331 fax:(515)242-5578 P/D: Grants to provide property tax credits to disabled veterans or their surviving spouses who are residents of Iowa. Must have an income under $10,000. Surviving spouses are eligible for this benefit, as well, as long as they do not remarry. Write or call for guidelines. Orion L. and Emma B. Hurlbut Memorial Fund c/o First Tennessee Bank, N.A. 701 Market Street Chattanooga, TN 37401 Application Address: c/o Jo Ann Clifford Chattanooga Tumor Clinic. 975 E. Third Street, (423)266-3029 Chattanooga, TN 37403 P/D: Financial assistance for medical expenses to indigent cancer patients at Erlanger Hospital, outside of Hamilton County, TN. Payments are made directly to the physicians and health facilities providing medical treatment to the individual recipients. Burlington Cancer Relief Association 304 Maple Street Burlington, VT 05401-4573 Referral Address: c/o Edward Aiken, R.N. Snipe Island Road Jerico, VT 05465 P/D: Financial assistance to low-income cancer patients in the greater Burlington, VT area. Assistance includes payments for drugs, medical supplies, dental needs, nutrition, transportation, and other needs as determined by the associations visiting agent, a registered nurse. Individuals must be referred through the appropriate channels in order to be considered. Vincent Gaffney Foundation c/o American State Bank & Trust Co P.O. Box 1446 (701)774-4121 Williston, ND 58802-1446 P/D: Grants for the health and welfare of needy children under the age of 18. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required. Contact: Noel Hanson, VP & Trust Officer Aberdeen Area Indian Health Service Federal Building 115- 4th Avenue, SE (605)226-7581 Aberdeen, SD 57401 P/D: Funding to American Indian projects designed to provide a full range of curative, preventive and rehabilitative health services. Assistance to federally recognized tribal organizations. Designed to increase the capability of American Indians to manage their own health programs. Contact local Health Service office for standard application forms. Contact: Kay Carpentier, Grants Management Contact (301)443-5204 or B. Bowman, Program Contact: (301) 443-6840 Local Contact person; Terrance Sloan, MD Addison H. Gibson Foundation One PPG Place, Suite 2230 Pittsburgh, PA 15222 (412)261-1611 P/D; Funds to cover hospital and medical costs for individuals with “correctable physical difficulties”. Limited to residents of Western Pennsylvania, with emphasis on Allegheny County. Applicant=s must be referred by a medical professional. Formal application required. Medical professional must provide name, age, sex, and address of person for whom funding is sought, describe the nature of recommended medical assistance and provide the name of the patient=s primary physician. Grants are made directly to the medical professional Institution providing services. Write for further information. Formal application required, interview required. Contact: Rebecca Wallace, Director Oklahoma City Area Indian Health Ser 215 Dean A. McGee Street, NW Oklahoma City, OK 73102-3477 (405) 237-4796 P/D: Funding for American Indian projects designed to provide a full range of curative, preventive and rehabilitative health services. Assistance to Federally recognized tribes and tribal organizations. Designed to increase the capability of American Indians to manage their own health programs. Contact local Health Service office for standard application forms. Contact: Kay Carpentier, Grants management contact. (301)443-5204 or B. Bowman, program contact (301)443-6840 Local Contact: Dr. Robert Harry, Dir. Phillips Foundation P.O. Box 471 (601)327-8401 Columbus, MS 39703 Application Address: c/o Atwell Andrews 116 Fifth Street North Columbus, MS 39701 (601)327-8401 P/D: General welfare grants to indigent sick residents of Lowndes County, MS for medical, surgical and hospital attention and services other than doctors bills or surgical fees. Completion of formal application required, including financial information. Beneficiary Travel Dept. of Veterans Affairs 810 Vermont Avenue N.W. Washington, DC 20420 (202)418-4343 Or (800)827-1000 P/D: Grants to reimburse disabled and other veterans for the cost of travel to receive medical care at a VA facility. Eligible veterans write to or call for guidelines. The Lucy Daniels Foundation, Inc. 9001 Weston Pkwy., (919)677-9888 Cary, NC 27513 Application Address: c/o Heather Craiges, MSW, Clinical Coord 9001 Weston Pkwy. Cary, NC 27513 P/D: Grants for psychoanalytic treatment to creative individuals in the Raleigh-Durham and Chapel Hill, NC area. Contact foundation for current application deadline. Initial approach by letter or telephone. Completion of formal application required, including an autobiographical statement. Interviews and psychological testing required. Mosette Levin Trust c/o First Citizens Bank, N.A. Trust Department P.O. Box 1125, Michigan City, IN 46360 Application Address: c/o Justina Mejean, First Citizens Bank 515 Franklin Street, (219)874-9301 Michigan City, IN 46360 P/D: Medical aid grants to individuals over the age of 16 who are suffering from any childhood illness. Funds may be used for treatment, medication, and transportation to and from treatment facility. Limited to residents of La Porte County, IN. Formal application required. The Clark Foundation 30 Wall Street, (212)269-1833 New York, NY 10005 P/D; Financial aid for medical and hospital care to needy individuals in upstate New York and New York City. Application accepted throughout the year. Initial approach by letter. Contact: Joseph H. Cruickshank, Secy Ford Mobility Motoring Program Ford Motor Company Attn; Mobility Program P.O. Box 3185 TDD (800)TDD-0312 Ruston, LA 71271 (318)257-4562 or (800)952-2248 P/D: To provide a cash reimbursement for the cost of installing adaptive driving aids on the purchase of new vehicle=s from Ford or Lincoln-Mercury. This program also provides 24 hour roadside assistance and a complimentary Ford cellular telephone. The de Kay Foundation c/o Chase Manhattan Bank 270 Park Avenue, (212)270-6000 New York, NY 10017 P/D: Grants to elderly individuals in financial need, particularly to those who sick or disabled or who lack proper care. Limited to residents of New York, New Jersey, and Connecticut. Initial approach by letter. Formal application required. Camden Home for Senior Citizens 66 Washington Street, (207)236-2087 Camden, ME 04843 Application Address: Belfast Road (207)236-2014 Camden, ME 04843 P/D: Grants for medical care and drugs. Limited to residents of Camden, Rockport, Lincolnville and Hope, Maine. Write or call for guidelines. Contact: Charles Lowe, Pres William Babcock Memorial Endowment 305 San Anselmo Ave., Ste. 219 San Anselmo, CA 94960 (415)453-0901 P/D: Grants to persons burdened with exceptional medical expenses which exceed insurance coverage and fall outside the purview of other community agencies. Limited to persons who have been residents of Marin County, CA, for two or more years. Call for application guidelines, application required. Contact: Executive Director Science Science Service Westinghouse Science Scholarships and Awards 1719 N. Street, N.W. (202)785-2255 Washington, DC 20036 P/D: Study of science, engineering, math, and related fields; must be high school senior and plan to complete college entrance qualifications before October 1 of the following year, 1,000 word essay, U.S. citizen or legal resident, requests for applications must be made by high school official. Contact: Karen Royden, Director of Youth Program. Real Estate American Institute of Real Estate Appraisers Trust American Institute of Real Estate Educational Trust Scholarship 875 N. Michigan Ave., Ste. 2400 Chicago, IL 60611-1980 (312) 335-4100 P/D: Full-time undergraduate or graduate student majoring in real estate appraisal, land economics, real estate, or allied fields. Contact: Charlotte Timms Music Mercyhurst College Creative Arts Scholarship Glenwood Hills 501 E. 38th Street, (814)824-2564 Erie, PA 16546 P/D: Talented young musicians, dancers and artists ready to begin their college education, for full-time study at Mercyhurst College only. Contact: Michael Fuhrman Law Enforcement Assoc. of Former Agents of the U.S. Secret Service, Inc. J. Clifford Dietrich & Julie Y. Cross Scholarships, P.O. Box 11681 Alexandria, VA 22312 P/D: Sophomores working toward degrees in law enforcement or police administration U.S. citizens. Contact: P. Hamilton Brown Executive Secretary Top Education Grant Assistance This section list's sources of educational support for secondary, undergraduate, graduate, postgraduate study, and advanced research. "' 1. Scholarship's- awarded directly to a student to help with tuition costs. 2. Fellowship's- awarded to graduate student's in college's, universities, or other institutions. 3. Internship's- support undergraduate, graduate, or postgraduate students. 4. Residencies- for study, research, advanced training in a medical specialty, and teaching at a college, university, or research institute. 5. Research grants- support individuals engaged in independent scholarly project's, medical or scientific investigations. Adams Scholarship Fund c/o First Agricultural Nat'1 Bank 99 West Street Pittsfield, MA 01201 A-T Medical Research Fond 16255 Ventura Blvd., #803 Encino, CA 91436 Barrows (Augustus & Kathleen) Memorial Trust Fund 271 South Union Street Burlington, VT 05401 Allen (Rita) Foundation, Inc. 550 Park Avenue New York, NY 10021 Aurora Foundation 111 W. Downer Place,#312 Aurora, IL 60507-5136 Blackwelder Foundation, Inc, P.O. Box 1431 Lenoir, NC 28645 Andalusia Health Service, Inc. c/o William H. Mc Whorter P.O. Box 1418 Andalusia, AL 36420 Baker (Jessie H.) Education Fund c/o Marine Midland Bank P.O. Box 4203 Buffalo, NY 14240 Brightwell (A.T.) School, Inc. 254 Oakland Avenue Athens, GA 30606 Allied Education Fund B 467 Sylvan Avenue Englewood Cliffs, NJ 07632 Bush Foundation East 900 1st Nat'l Bank Bldg. St. Paul, MN 55101 Alpert (Ida & Benjamin) Fund. 31275 Northwestern Hwy, #233 Farmington Hills, MI 48018 Bamberget (Ruth Eleanor and John Ernest)Memorial Fund. 1201 Walker Center Salt Lake City, UT 84111 Bank of American-Giannia Fund. Box 37000, Dept. 3246 San Francisco, CA 94137 Anderson (WilliamP.) Foundation 3552 Bayard Road Cincinnati, OH 45208 Baker Foundation, Inc. P.O. Box 328 Nashua, NH 03061 Charles Foundation c/o Steven Charles 1700 N. Alpine, Suite 3 II Rockford, IL 61107 Cogan (George T.) Trust P.O. Box 418 Portsmouth, NH 03801 Ann Arbor Area Foundation 125 W. Washington, Ste. 400 Ann Arbor, MI 48104 More Listings Journalism Dow Jones Newspaper Fund P.O. Box 300 (609) 452-2820 Princeton, NJ 08543-0300 P/D: Open to college juniors, seniors, graduate students studying journalism. Contact: Intern coordinator Scholastic Inc. Scholastic Writing Awards Scholarships 555 Broadway (212)343-6100 New York, NY 10012 P/D: High school seniors demonstrating outstanding creative writing ability combined with high academic standing, U.S. citizens or legal residents. Hotel/Restaurant The Statler Foundation Statler Towers, Ste., 508 Buffalo, NY 14202 (716)852-1104 P/D: Students of hotel or food service management. Contact: Peter J. Crotty, Chairman Engineering National Action Council for Minorities in Engineering, Inc. Incentive Grants Program 3 West 35th Street, (212)279-2626 New York, NY 10001 P/D: Engineering studies, American Indian, American black, Mexican-American. Or Puerto Rican enrollment in participating college or university, demonstrate need or receive merit award, U.S. citizen Rican entering freshman or transfer students, Full-time. Society of Women Engineers MASWE Memorial, Lillian M. Gilbreth Ivy Parker Memorial, RCA Corporation Grumman Corporation, Digital Equipment Scholarships 120 Wall Street, New York, NY 10005 (212) 509-9577 or (800)666-1793 P/D: Women upper-division students who are majoring in engineering at accredited U.S. Colleges and Universities. Art National Foundation for Advancement in the Arts Arts & Recognition & Talent Search 800 Brickell Ave., (305)377-1148 Miami, FL 33131 P/D: High school seniors to study any of the creative & performing arts, demonstrate talent, U.S. citizens. Business FYI Memorial Scholarship Awards Financial Women International 200 North Glebe, Ste., 814 Arlington, VA 22203 (703) 807-2007 P/D: Awards to women working in the fields of business, banking, or finance who wish to further their education. Must be a member of FYI. James S. Kemper Foundation N-4 1 Kemper Drive, (708)320-2847 Long Grove, IL 60049-0001 P/D: College freshman who are business majors, must reside on campus, list of 16 participating 4-year schools across the country available from the above address. Broadcasting KATU-Dargan Minority Scholarship P.O. Box 2 (503)231-4222 Portland, OR 97220 P/D: Minority students enrolled in first three years of communication curriculum with emphasis on broadcasting, at colleges in Oregon and Washington, minimum 3.0 GPA. Contact: Rich Dargan Women Business and Professional Women=s Fd BPW Loans for Women in Engineering 2012 Massachusetts Ave., N.W. Washington, DC 20036 (202) 293-1200 P/D: Women accepted for undergraduate or graduate study in a program accredited by the Accreditation Board for Engineering and Technology, for last 2 years of study, U.S. Citizens, financial need. Jewish Foundation for Education of Women Scholarship 330 W. 58th Street, (212)265-2565 New York, NY 10019 P/D: Full-time students who live within a 50 mile radius of New York City (including New Jersey and Long Island). Handicapped American Council of the Blind Scholar. American Council of the Blind Suite 720, 1155 15th Street, NW Washington, DC 20005 (202)467-5081 P/D: Legally blind U.S. citizens or resident aliens accepted into postsecondary programs, several award categories, students with 3.3 GPA. Contact: Jessica Beach, Asst. Schol., Cor. Handicapped Ruth A. Cantrall Trust c/o Bank IV Kansas 10000 College Blvd., (913) 752-4745 Overland Park, KS 66210 P/D: For needy, hearing-impaired students at attend Kansas State School for the Deaf. Contact: Louisa Grill Stanley E. Jackson Scholarship for the Handicapped Foundation for Exceptional Children 1920 Association Drive Reston, VA 22091 P/D: Disabled incoming freshmen enrolling full-time in undergraduate or vocational training programs, two awards specified for members of ethnic minority groups. Contact: Kenneth Collins Special Grant Categories Ethnic Students American Institute of Certified Public Accountants Minority Scholarship Program 1211 Avenue 4 of the Americas New York, NY 10036 (212)596-6200 P/D: Black Americans, American Indians, Asians, and Hispanic undergraduates to major in accounting. Graduate students may study taxation, finance, or business administration. Commission for Racial Justice Special Higher Education Program United Church of Christ Commission for Racial Justice 700 Prospect Ave., (216)736-2169 Cleveland, OH 44115 P/D: Non-Caucasian students in financial need, priority to members of United Church of Christ. Contact: Carmen Williams, Coordinator, Special Higher Education Program Jose Marti Scholarship Challenge Florida Department of Education Office of Student Financial Assistance Florida Education Center, Room 1344 Tallahassee, FL 32399-0400 (904) 487-3260 P/D: U.S. citizens residing in and attending school in FL. Must be Hispanic or of Spanish culture, e.g., Mexico, South America, Central America, or the Caribbean, financial need, minimum 3.0 GPA, FL. residence. Bristol Children=s Home 26 Acacia Road, (401)254-7070 Bristol, RI 02809 P/D: Scholarships for higher education to residents of Bristol, RI only. Completion of formal application required. Contact: Gail L. Nunnery, Trust Officer, John Warner Bank. Marie D. Berry Funds H and H-1 c/o Key Trust Co. of Ohio, N.A. 127 Public Sq. Trust Tax, 01-127-1603 Cleveland, OH 44114-1306 Application Address: c/o Hon. John T. Patterson Court of Common Pleas., Hancock Cty. Findlay, OH 45840 P/D: Applicants are selected on the basis of character, financial need, and academic ability. Scholarships to financially needy male residents of Findlay, OH for study at colleges, universities, trade and business schools, graduate schools, postgraduate schools, and professional schools. Contact fund for application. Completion of formal application required. Educational Fund of the Honolulu Branch of the American Association of University Women 1802 Keeaumoku St., (808)537-4702 Honolulu, HI 96822 P/D: Graduate and undergraduate scholarships to female residents of HI. Awards also provided to Asian and Pacific women professionals for specific two-to six-month projects or graduate study in HI, Completion of formal application required. Initial approach by letter. Contact: Adele D.S. Mitchell, Chair. Boettcher Foundation 600 17th , Suite 2210 South Denver, CO 80202 (303) 534-1937 P/D: Scholarships bases solely on merit to CO high school students for attendance at CO colleges and universities. Separate programs to provide scholarships to minorities living in CO to attend specific CO institutions, and to provide recognition awards to CO teachers. Contact foundation for current application guidelines. Adams Educational Fund Inc. c/o First National Bank Bldg. 400 W. Benson Ave., Wilmar, MN 56201 Application Address: c/o Donald D. Elmquist, Pres. 411 W. Litchfield Ave., (320)235-5267 and Brett N. Aamot, Secy-Treas. P.O. Box 570 (320)235-3311 Wilmar, MN P/D: Student grants to residents of the Wilmar, MN area. Applications accepted throughout the year. Completion of formal application required. Bour Memorial Scholarship Fund c/o Boatman=s First National Bank of Kansas City, (816)979-7481 14 West 10th St., P.O. Box 419119 Kansas City, MO 64141 P/D: Scholarships to needy high school graduates residing in Lafayette County, MO to attend any accredited MO college. Completion of formal application required. Application forms available early each year from Boatman=s First National Bank of Kansas City or Lafayette County, MO schools. Davis-Roberts Scholarship Fund, Inc. 116 Lummis Court (307)632-2948 Cheyenne, WY 82007 P/D: Members or former members of the order of De Molay or Job=s Daughters, Bethel, in Wyoming, for full-time study. Contact: Charles H. Moore, Secy Treas. Camp Foundation P.O. Box 813 (757)562-3439 Franklin, VA 23851 P/D: Scholarships to graduating high school seniors who are residents of the city of Franklin and the counties of Southampton and Isle of Wight, VA. Recipients are selected on the basis of character, leadership, community service, academic achievement, and value to the community after graduation. Recipients are chosen with regard for financial need. Both types of scholarships are renewable for up to three additional years. Contact: Bobby B. Worrell, Exec. Dir. Bristol Bay Native Corp. Educ. Fond. 800 Cordova St., (907) 278-3602 Anchorage, AK 99501 P/D: Scholarships to shareholders of Bristol Bay Native Corp. Completion of formal application required. Contact: Marie Nash, Dir. and Pres. Bradford-Nye Trust P.O. Box 359 Tyler, TX 75710 Application Address: c/o Dorothy Land First Baptist Church (903)597-4436 300 W. Ferguson St., P.O. Box 277 Tyler, TX 75710 P/D: Scholarships are awarded on the basis of scholastic merit and potential, citizenship, financial need, and proven Christian leadership. To the residents of Smith County, TX for study at an educational institution sponsored and supported by the Baptist General Convention of TX. Or the Southern Baptist Convention with in the State of Texas. Completion of formal application required. Charleston Scientific & Cultural Educational Fund P.O. Box 190011 Charleston, SC 29419-9011 Application Address: c/o Wade H. Logan, 111, Secretary P.O. Box 848 (803)723-2000 Charleston, SC 29402 P/D: Grants to SC natives for scientific, cultural, or educational pursuits in Charleston, SC. Completion of formal application required. B & L Educational Foundation 2111 Northridge Dr., N.E. Grand Rapids, MI 49505 (616) 364-8499 P/D: Scholarships restricted to individuals who are residents of or attending school in either MI or AZ. Completion of formal application required, including transcripts and letter of recommendation. Badger Mining Scholarship Trust c/o Markesan State Bank 84 North B Ridge Street Markesan, WI 53946 Application Address: c/o Guidance Director of appropriate high school in Taylor, Berlin, or Markesan, WI P/D: Scholarships to high school graduates from Taylor, Berlin, or Markesan, WI for degrees in mining engineering, engineering curriculum or environmental science. Children of officers of Badger Mining Corporation are ineligible. Recipients must be full-time students and maintain at least a 2.0 GPA. Contact foundation for current application deadline. Completion of formal application required. Application forms available from the high schools. Clark and Ruby Baker Foundation c/o Bank South, N.A. Personal Trust Dep P.O. Box 4387, MC-678 Atlanta, GA 30302-4387 (770)989-6106 P/D: Scholarships to financially needy GA residents. Preference is given to those who study at small colleges operated by or affiliated with, the Methodist Church. Application accepted throughout the year. Applications by letter, including educational plans, resumes, expenses and the anticipated amount required, interview required. Bright Star Foundation, Inc. c/o Shale D. Stiller 36 South Charles Street Baltimore, MD 21201 Application Address: c/o Kenneth L. Greif 3707 Greenway Baltimore, MD 21218 P/D: Scholarships to residents of Baltimore, MD. Application accepted throughout the year. Sophie Anderson Educational Trust c/o Seafirst National Bank P.O. Box 34345 Seattle, WA 98124 P/D: Scholarships to WA residents attending small colleges in WA such as Whitman College, Whitworth College, Puget Sound Christian College, and Seattle Pacific College. Scholarships are awarded in the following order of preference, history majors, liberal arts majors, premedical majors, nursing majors, and teaching majors. Contact trust or listed colleges for application deadline and procedures. Dr. Dante Castrodale Scholarship Fond c/o First Community Bank - Bluefield 211 Federal Street, P.O. Box 950 Bluefield, WV 24701 Application Address: c/o Dr. Dante Castrodale, Vecellio and Grogan, Drawer V Beckley, WV 25801 c/o Mr. J. Kenneth Roberts, Coord. For Guidance and Testing, Mc Dowell County Schools 30 Central Avenue Welch, WV 24801 P/D: Scholarships to residents of McDowell County, WV. Completion of formal application required, including class rank, GPA, and personal statement. Chattanooga Christian Foundation 736 Market Street, (615) 266-5257 Chattanooga, TN 37402 P/D: Evangelical Christian students studying for the ministry, primarily in Chattanooga area. 45 grants totaling $107,083. Contact: Dave Worland University of Vermont Scholarships 330 Waterman, South Prospect Street Burlington, VT 05401 (802)656-3156 P/D: University of Vermont students with academic merit, financial need. Number of awards average $7,900. South Dakota Dept. of Education & Cultural Affairs Tuition Equalization Grants (TEG Prog.) 700 Governor=s Drive (605)773-3134 Pierre, SD 57501-2291 P/D: Residents of South Dakota to attend approved South Dakota private colleges and universities, financial need, students may apply for both TEG and State Student Incentive grants buy may accept only one. Contact: Roxie Thielen T. Wistar Brown Trust (Formerly T. Wistar Brown Teacher=s Fd. c/o PNC Bank, N.A. 1632 Chestnut Street Philadelphia, PA 19103 Application Address: c/o Ruth A. Seeley, Secretary 141 West Harvey Street Philadelphia, PA 19144 P/D; Grants to members of Philadelphia Yearly Meting who are 21 years of age or older and who required financial assistance to prepare themselves to teach at the elementary or secondary school level, or to take advanced courses to enrich their teaching talents. Completion of formal application required. A. H. Bean Foundation c/o First Alabama Bank, Trust Dept. 2222 Ninth Street Tuscaloosa, AL 35401 P/D: Scholarships to Christian individuals who are active members of a church, enrolled in a post-secondary educational institution, recommended for aid by the church minister and reside in Alabama. Transcript and recommendation by church minister required. New Hampshire Post-secondary Education Commission 2 Industrial Park Drive (603)271-2550 Concord, NH 03301 P/D: Six state scholarship and grant programs. Call or write for guidelines. D.A. Biglane Foundation P.O. Box 966 Natchez, MS 39121 Application Address: 75 Melrose - Montebello Pkwy. Natchez, MS 39120 P/D: Scholarships only to residents of the Natchez, MS area. Applications accepted throughout the year. Miriam E. Alsobrooks Educational Fund c/o Wachovia Bank of South Carolina, N.A. P.O. Box 3099 Winston-Salem, NC 27450-0001 Contact: Trust Dept. Application Address: c/o Barbara Robertson, Dir. of Guidance Marlboro County High School Bennettsville, SC 29510 P/D: Scholarships to graduates of Marlboro County high schools, SC. Completion of formal application required. The Blue River Foundation, Inc. P.O. Box 938 (317)392-7955 Shelbyville, IN 46176 P/D: Scholarships to residents of Shelby County, IN. Completion of formal application required. Contact: Tom Hession, President Audio Engineering Society Educational Foundation, Inc. 60 E. 42nd Street, Room 2520 New York, NY 10165 (212)661-8528 P/D: Graduate scholarships to talented students in the U.S. and abroad who are preparing to enter the audio engineering profession and related fields. Completion of formal application required, including two faculty letters of recommendation. Contact: Emil Torick, President Maine Department of Higher Education State House Station 119 (207)289-2183 Augusta, ME 04333 P/D: Scholarships, Grant, and Loan programs include: Maine Student Incentive Program offered to a resident attending a college in Maine or any other of the 5 New England states, post graduate scholarships in the medical field. Camden County Hero Scholarship 200 Club, Inc. 191 White Horse Pike (609)546-0607 Berlin, NJ 08009 P/D: Scholarships to spouses and children of Camden County, NJ. Firefighter and law enforcement officers who lost their lives or became disabled in the line of duty. Scholarships are for attendance at colleges, junior colleges, or postsecondary vocational schools. Some work-related continuing education Grants for firefighter and officers are also available. Applications by letter accepted throughout the year. Contact: Muriel Mansmann, Secy. John Lynn Driscoll, Jr. Scholarship Tr. c/o First Security Bank of Idaho, N.A. P.O. Box 2618 Boise, ID 83701-2618 Application Address: c/o Mrs. Chris Woodward Boise State University 1910 University Dr., (208)385-1664 Boise, ID 83725 P/D: Scholarships to residents of Ada, County, ID attending postsecondary schools in Ada County. Completion of formal application required. Chinese American Citizens Alliance Fd 1055 Wilshire Blvd., Suite 1210 Los Angeles, CA 90017-2494 (213) 250-5515 P/D: Scholarships to student of Chinese ancestry who are entering their junior year at colleges and universities in the southern CA. area. Completion of formal application required. Contact: Billy W. Lew, V.P. The Chazen Foundation P.O. Box 801 Nyack, NY 10960 P/D; Scholarships to residents of Rockland County, NY. Applications by letter accepted throughout the year. Ethel N. Bowen Foundation c/o First National Bank of Bluefield 500 Federal St., (304)325-8181 Bluefield, WV 24701 P/D: Scholarships for students from the coal mining areas of southern WV and southwestern VA. Initial approach by letter, including resume, transcript and biographical outline. Interview required. Contact: R. W. Wilkinson, Secy-Treas. Wisconsin Higher Education Aids Brd Grant Program P.O. Box 7885 (608)267-2206 Madison, WI 53707 P/D: Grants for resident of WI enrolled at least half-time in University of Wisconsin or WI state, vocational-technical and/or adult education programs. Financial need, satisfactory academic standing Contact: High school counselor Arthur R. Atwood Scholarship Fund c/o Key Trust Co. 35 State Street Albany, NY 12207 Application Address: Secy. Scholarship Committee c/o Principal of Champlain Central Schl Champlain, NY 12919 P/D: Scholarships to financially needy male students who have resided in Champlain, NY or Clinton County, NY for at least seven years. Preference is given to students accepted to Yale University. Initial approach by letter, Completion of formal application required, including photograph. George G. and Jennifer J. Breidenthal Foundation c/o UMB Bank Kansas 601 Minnesota Ave., (913)371-0035 Kansas City, KS 66101 P/D: Scholarships to financially needy high school graduates from Kansas City, KS who are otherwise unable to pursue higher education. Contact foundation for current application guidelines. Butte Creek Foundation 1350 E. Lassen Ave. No.2 Chico, CA 95926 (916)895-1512 P/D: Scholarships to residents of CA. Applications by letter accepted throughout the year. Contact: John Burghardt, Edwin H. Eddy Family Foundation c/o Northwest Bank Duluth, Trust Dept. Duluth, MN 55802 (218)712-2773 P/D: Grants for North MI residents studying communication disorders, nonresidents attending University of Minnesota at Duluth. Contact foundation for further guidelines. P.B. Post No. 12 American Legion Memorial Scholarship Funds, Inc. c/o First Union National Bank of Florida, Trust Dept. 40 Cocoanut Row Palm Beach, FL. 33480-4072 Application Address: c/o Palm Beach Post No. 12 (561)655-1343 625 Okeechobee Blvd. West Palm Beach, FL P/D: Scholarships to financially needy residents of Palm Beach County, FL who are U.S. citizens. Recipients may study at any accredited U.S. college or university. Contact fund for current application deadline. Completion of formal application required. Franklin Lindsay Student Aid Fund Texas Commerce Bank of Austin P.O. Box 550 (512)479-2444 Austin, TX 78789-0001 P/D: Grants for students attending TX colleges or universities. Must maintain at least 2.0 GPA. Contact: Rebecca Gassenmayer, Adm. Off. Michigan Department of Management and Budget Tuition Waiver Program P.O. Box 30026 (517)373-0654 611 West Ottawa St., 3rd Fl. Lansing, MI 48909 P/D: Grants for residents of MI who are 1/4 or more American Indian (certified by their tribal nation) to attend any MI college, university, or community college. Judge C. C. Chavelle Foundation P.O. Box 20362 Seattle, WA 98102 Application Address: 123 Third Ave., South Seattle, WA 98104 P/D: Scholarships to individuals born in the state of WA. Contact foundation for further guidelines. Contact: Thomas P. Keefe, Trus. Carmela Gagliardi Foundation c/o National 1-A Foundation 1860 19th Street, NW Washington, DC 20009-5599 P/D: Scholarships primarily to students of Italian descent who have been accepted to a recognized medical school. Initial approach by letter. Completion of formal application required. Calcot-Seitz Foundation P.O. Box 259 (805)327-5961 Bakersfield, CA 93302 P/D: Scholarships to students from cotton producing areas, in CA and AZ to pursue four year degrees in agriculture. Applicants must be full-time students and have at least a 3.0 GPA in high school and college. Recipients are chosen on the basis of scholastic aptitude, leadership potential, and financial need. Contact Foundation for further guidelines. Contact: Scholarship Committee Kansas Board of Regents Kansas Tuition Grant 700 S.W. Harrison, Ste., 1410 Topeka, KS 66603 (913)296-3517 P/D: Grants for residents of Kansas enrolled at private schools, full time study, financial need. Contact foundation for further guidelines. Contact: Christie Crenshaw, Financial Aid Director Eugene Atwood Fund 68 Federal Street New London, CT 06320-0270 Application Address: P.O. Box 270 (860)443-4357 New London, CT 06320 P/D: Scholarships and student loans to New London County, CT residents enrolled at the undergraduate level only. Initial approach by letter or telephone. Completion of formal application req=d. Contact: James McGuire, Esq. Trustee J. F. Maddox Foundation P.O. Box 2588 (505)393-6338 Hobbs, NM 88241-5410 P/D: Grants for Residents of New Mexico and West Texas in financial need. Call or write for further guidelines. Thomas R. Dargan Minority Scholarsh. c/o Katu P.O. Box 2 (503)231-4222 Portland, OR 97207 P/D: Grants for minority students enrolled in first, second, or third year of communication curriculum at colleges in Oregon and Washington, minimum 3.0 GPA. Contact foundation for further guidelines. Contact: Rich Dargan Sally Abernethy Charitable Edc. Fund c/o Nations Bank, N.S. 175 E. Nash Blvd., Suite 201 Melbourne, FL 32901-1998 (407) 722-5850 or (407)646-6360 P/D: Educational grants to individuals who are residents of Polk County, FL pursuing higher education. Completion of formal application required. Initial approach by letter, including confirmation that applicant lives in Polk County, Florida. Marshall H. and Nellie Alworth Memorial Fund 306 W. Superior Street, Suite 506 Duluth, MN 55802 P/D: Scholarships in basic science and medicine to high school graduates who are residents of 15 northeastern MN counties. Write foundation for further guidelines. Contact: Richard H. Carlson, Exec. Dir. Virginia State Council of Higher Edc. College Scholarship Assistance Program 101 North 14th St., James Monroe Bldg. Richmond, VA 23219 (804)371-0553 P/D: Grants for resident of VA, for at least half-time undergraduate study at an eligible Virginia college or university, financial need. Contact: Zita Barree Amarillo Area Foundation, Inc. 700 First National Place 1 801 S. Fillmore, (806)376-4521 Amarillo, TX 79101 P/D: Scholarships to graduates of high schools in the 26 counties of the Texas panhandle. Contact foundation for further guidelines. Contact: Jim Allison, Pres. And Exec. Dir James F. Byrnes Foundation P.O. Box 9596 Columbia, SC 29290 (803) 254-9325 fax: (803)254-9354 P/D: Grants for undergraduate scholarships to young residents of SC who are high school seniors, college freshmen and sophomores, and whose parent or parents are deceased. Contact foundation for further guidelines. Contact; Jean P. Elton, Exec. Secretary Corwill and Margie Jackson Foundation c/o Comerica Bank-Detroit Detroit, MI 48275-1022 Application Address: 6954 Jackson Road, (616)843-9181 Ludington, MI 49431 P/D: First year university students from Ludington and Mason County, MI high schools. Contact: Mrs. Morgan D. Hall Cornerstone Foundation 1919 Broadway (414)432-2045 Green Bay, WI 54304-1919 P/D: Grants to graduating high school students in Brown County, WI. In financial need. Contact: Scholarships, Inc. A. T. Brightwell School, Inc. 254 Oakland Avenue, (706)543-6450 Athens, GA 30606 P/D: Scholarships to unmarried or divorced (proof of divorce necessary) students under 25 years of age who have lived within the strictly defined Maxey=s, GA area for at least one year prior to effective day of scholarship. Parents of student must live and remain in Maxeys are for the duration of the scholarship. Initial approach by letter requesting application and including SASE Interviews required. Contact: Harold Darden, Exec. Secretary Washington State Higher Education Coordinating Board Washington State Need Grant Program 917 Lakeridge Way S. W. P.O. Box 43430 Olympia, WA 98504-3430 P/D: Grants for residents of WA for at least 1 year prior to enrollment, to attend WA state colleges and universities, financial need, U.S. citizen or legal resident. Student must not be pursuing theology degree. Easter Seal Society of Iowa, Inc. James L. and Lovon Mallory Annual Disability Scholarship P.O. Box 4002 (515)289-1933 Des Moines, IA 50333 P/D: Grants for residents of Iowa who are graduating high school who have a permanent disability. Contact foundation for further guidelines. Contact: Deb Wissink Herschel C. Price Educational Found. P.O. Box 412 (304)529-3852 Huntington, WV 25708-0412 P/D: Grants for residents of Ohio County, WV, ages 17-25, who are residents of Wheeling, WV high schools, financial need. Contact: Ed Johnson, Sen. Tr. Off. Augusta and Kathleen Barrows Memorial and Trust Fund 271 S. Union Street, (802)863-4531 Burlington, VT 05401 P/D: Grants for women residents of VT under age 25 in financial need. Contact foundation for further guidelines. Contact: Maureen T. McNeil Sarah E. Young Trust c/o Rochester Savings Bank & Trust Co. 2 Wall Street Manchester, NH 03105 Application Address: New Hampshire Charitable Fund Box 1335 Concord, NH 03302 P/D: Grants for College Sophomores, juniors, and seniors, residents of Stratford County, NH, financial need. Call or write for further guidelines. Contact: Brenda Harrington The Foundation for the National Capital Region (Formerly The Community Foundation of Greater Washington, Inc.) 1002 Wisconsin Ave., N. W. Washington, DC 20007 (202)338-8993 P/D: Scholarships to residents of the metropolitan Washington, DC area. Contact foundation for current application guidelines. Contact: Terri Lee Freeman, President Fax: (202) 337-6754 Blackwelder Foundation, Inc. P.O. Box 1431 (704)757-9469 Lenoir, NC 28645 P/D; Grants for residents of NC, with preference given to Caldwell County, NC. Write or call for further guidelines. Contact: Lloyd M. Rash, President Dodd Foundation P. O. Box 8247 St. Joseph, MO 64508-8247 P/D: Scholarships primarily to residents of the St. Joseph, MO area. Completion of formal application required. Contact: Robert D. Chesney, Mgr. James E. Hughes Scholarship Fund INB National Bank One Indiana Square, Suite 733 Indianapolis, IN 46266 (800)952-1098 P/D: Grants for residents of Marian County, IN attending Butler University, University of Indianapolis, or Marian College in Indianapolis, IN. Or must be a graduate of an Indiana high school, preferably Marian County, planning to attend one of the three listed institutions. Contact foundation for further guidelines. John Alexander Memorial Scholarship c/o TRUSCO Bank P.O. Box 380 Schenectady, NY 12305 Application Address: c/o C. Koury, Attorney 525 State Street, (518)374-1200 Schenectady, NY 12305 P/D: Scholarships to residents of Schenectady County, NY attending a law school in NY. Application by letter including home and legal address and outlining financial need and professional objective. Allied Educational Foundation 467 Sylvan Avenue Englewood Cliffs, NJ 07632 P/D: Scholarships to members of Union Local 815 and the Allied Trades Council in NY and NJ to attend school full time. Initial approach by letter in the form of an autobiography. Include 3" x 4" photograph of self, transcripts, a family financial statement, and letters of recommendation from facility advisors, professors, or teachers. Contact: Karen Badre, Exec. Secretary Lois and Max Beren Foundation 305 Petroleum Bldg. Wichita, KS 67202 Application Address: c/o Carla Beren Garritty, Trustee 3360 South Columbine Circle Englewood, CO 80110 P/D: Scholarships to individuals for higher education. Completion of formal application required. American Student Assistance Help Loans & Plus Loans 330 Stewart Street, (617)426-9434 Boston, MA 02116 P/D: Grants for permanent MA residents enrolled in and in good standing, or accepted for enrollment, in appr=d. Instit . Boye Scholarship Trust c/o Wells Fargo Bank, N.A. P.O. Box 63954 San Francisco, CA 94163 P/D; Scholarships to residents of Sacramento County, CA with preference given to those pursuing agricultural studies. Recipients are guaranteed funding for four years, subject to maintenance of acceptable grades. Further funding may be approved for work above the undergraduate level. Candidates are identified by teachers and interviews are held to approve funding. Bauer Foundation c/o Shipman & Goodwin Porter Street Lakeville, CT 06039 Application Address: c/o Joan Wilkinson Box 1784 (860)435-9282 Lakeville, CT 06039 P/D; Scholarships to residents of Regional School District No. 1 in Lakeville, CT. Completion of formal application required. New Mexico Veterans Service Comm. Scholarship Program P.O. Box 2324 (505)827-6300 Santa Fe, NM 87503 P/D: Son or daughter (16 to 26) whose parent was killed in action or died as a result of military service in the U.S. armed forces during a time of armed conflict. Write or call for further guidelines. Contact: Allen Martinez Kentucky Center for Veterans Affairs Benefits for Veterans & their Dependents Department of Human Resources 600 Martin Luther King Jr. Blvd. Rm.136J Louisville, KY 40202 (502)588-4447 P/D: Residents of KY, U.S. armed forces or National Guard veterans, or children (17-23) or non married spouses of veterans killed, permanently disabled, or listed as POW=s or MIA=s in recognized hostile actions. Oregon Department of Veteran=s Affairs Educational Scholarship Aid for Oregon Veterans. 700 Summer Street, N.E., Suite 150 Salem, OR 97310 (503) 373-2085 P/D: Residents of OR prior to and during military service, for study in accredited OR institution, must have qualifying military service record, U.S. citizen. The Auroa Foundation 111 W. Downer Place, Suite 312 Aurora, IL 60506-5136 (630)896-7800 P/D: Scholarships to full time students who reside in the Auroa, IL area, including Kendall and Southern Kane counties. Scholarships are available to graduating high school seniors, undergraduates and graduate students. Initial approach by telephone. Completion of formal application required. Interviews required. Contact: Sharon Stredde, Exec. Dir. The Children=s Foundation of Lake Wales, Florida, Inc. c/o David Wilson 926 Dunkirk Place Lake Wales, FL 33853 Application Address: c/o David Rockness, Chair Orgn. Comm. 16 North Third Street, (941)676-0711 Lake Wales, FL 33853 P/D: Grants for undergraduate scholarships to high school students of the Lake Wales, FL district. Initial approach by letter. Mary E. Hodges Fund 222 Taupton Avenue, (401)435-4650 E. Providence, RI 02914 P/D: Grants for Residents of RI for minimum 5 years or Masonic affiliation, based on financial need and academic achievement. Contact: Grant Secretary Avon Products, Inc. Avon Scholarship Program 175 Progress Place (513)551-2752 Cincinnati, OH 45246 P/D: Grants to residents of OH, graduating high school seniors from Princeton, Ramapo, Morton Grove, and Pasadena school districts who are in the top 10% of their class, U.S. citizen or legal residents and whose parents are employees of Avon . Contact: Gary Horton Weller Foundation, Inc. East Highway 20 P.O. Box 636 (402)925-2803 Atkinson, NE 68713 P/D: Grants for residents of NE attending one of the Technical Community Colleges in NE or other vocational educational institutions in fields such as nursing. Primary consideration given to residents of Boyd, Brown, Garfield, Holt, Keya Paha, and Rock Counties. The E. Perry and Grace Beatty Memorial Foundation c/o National City Bank, Northeast P.O. Box 450 Youngstown, OH 44501 P/D: Scholarships to residents of OH for higher education. Contact foundation for current application guidelines. Charles M. Blair Memorial Trust c/o First Trust Company of Montana P.O. Box 30678 (406)657-8127 Billings, MT 59115 P/D: Grants for graduates of Meagher and Wheatland counties, Harlow Town High School and White Sulphur Springs High School, Montana. Contact: Helen Hancock Fukunaga Scholarship Foundation 900 Fort Street Mall, Suite 500 Honolulu, HI 96813 (808)521-6511 P/D: Grants for HI business students, Hawaii residence, commitment to Hawaii and it=s people. Contact foundation for further guidelines. Contact: Scholarship Selection Comm. The Colorado Masons Benevolent Fund Association 7955 E. Arapahoe Court, Suite 1200 Englewood, CO 80112 (303)290-8544 P/D: Grants for CO high school graduates attending CO colleges and universities. Applications available in Colorado public high schools. Contact: Arthur Carlson, Exec. Secretary Minnesota Higher Education Coordinating Board Student Loan Program 550 Cedar Street, Suite 400 Capitol Square Bldg., (612)296-3974 St. Paul, MN 55101 P/D: Grants for residents of MN, or non residents attending MN institutions, financial need, U.S. citizenship or legal residency. Contact foundation for further guidelines. Arkansas Governor=s Scholars Prog. Arkansas Department of Higher Educ. 14 E. Capital (501)324-9300 Little Rock, AR 72201 P/D: AR high school graduates attending approved AR institutions, minimum 27 composite ACT score, minimum 3.6 GPA one scholarship per county, plus 25 at-large scholarships. Emanuel Sternberger Educational Fund P.O. Box 1735 (910)275-6316 Greensboro, NC 27401 P/D: Grants for residents of NC who are juniors, seniors, or graduate students in financial need. Contact: Ms. Brenda Henley, Exec. North Dakota Indian Scholarship Prog. State Capitol Building, First Floor 600 E. Boulevard, (701)328-2166 Bismarck, ND 58505 P/D: Grants for residents of ND, at least 1/4 Indian blood and an enrolled member of a tribe now, ND resident, high school diploma or GED certificate, financial need. State Student Assistance Comm. Of IN Hoosier Scholarships 150 W. Market St., (317) 232-2350 Indianapolis, IN 46204 P/D: Grants for seniors of IN high schools for study at an eligible IN institution, must be in top 20% of class. Contact foundation for further guidelines. Children=s Aid Association of Amsterdam P.O. Box 327 Amsterdam, NY 12010-0327 Application Address: c/o Beverly Schmidt 14 Columbia Street (518) 842-1845 Amsterdam, NY 12010 P/D: Scholarships to financially needy, single residents of Montgomery County, NY to attend accredited colleges. Completion of formal application required, including a financial statement. Contact foundation for further guidelines. Louisiana Office of Student Financial Assistance P.O. Box 91202 (504)922-1011 Baton Rouge, LA 70821-9202 P/D: Grants for graduates of LA high schools with GPA of 3.0 or above to attend an LA state supported institution. The Edward Thatcher Astle Memorial Foundation 1130 Route 22 East, P.O. Box 6000 Bridgewater, NJ 08807-0010 P/D: Scholarships to high school seniors from central NJ who are U.S. citizens, have at least a AB@ average and require financial assistance to attend college or trade school. Completion of formal application required. Contact foundation for further guidelines. Contact: David Olekna, Trustee Sumner O. Hancock Scholarship Fund Casco, ME 04015 (207)627-4354 P/D: Grants for residents of the Casco, ME area who are in financial need. Contact foundation for further guidelines. Contact: Elizabeth Hancock, President. Haugse-Cossey Foundation c/o Reynolds, Stanton, and Winkle P.O. Box 2833 Boise, ID 83702 Application Address: P.O. Box 828 (208)343-7514 Boise, ID 83701 P/D: Scholarships to high school graduates from Boise, ID and surrounding area. Contact foundation for application guidelines. Stefan Bergman Trust c/o Wells Fargo Bank P.O. Box 63954 San Francisco, CA 94163 P/D: Scholarships for the study of mathematics. Write foundation for guidelines. John B. Lynch Scholarship Foundation P.O. Box 4248 (302)654-3444 Wilmington, DE 19807-0248 P/D; Grants for DE residents under 30 years old attending college in Delaware or in a 20 mile radius of Delaware. Must have 2.75 GPA at the end of the first semester. Contact: Eleanor L. Clew, Sec. Nevada Student Incentive Grant Prog. 2601 Enterprise Road (702)784-4666 Reno, NV 29512 P/D: Grants for residents of NV attending NV institutions, applications through financial aid office at institution of choice. Write or call foundation for further guidelines. Fred W. Wells Trust Fund Fleet Bank One Monarch Place, (413)787-8524 Springfield, MA 01144 P/D: Grants for residents of Greenfield, Deerfield, Shelburne, Ashfield, Montague, Buckland, Charlemont, Heath, Leyden, Gill, Northfield, Conway, Bernardston, Hawley, Rowe, and Monroe, MA. Contact: Edna Walters. Henry L. and Nellie Blakaslee Trust for Scholarships c/o Probate Court 158 Main Street, (860)283-4874 Thomaston, CT 06787 P/D: Scholarship grants to residents of Thomaston, CT. Contact foundation for current application deadline. Applicants must submit general and financial information. Viles Foundation, Inc. c/o Sunwest Bank P.O. Box 15500, (505)765-2211 Albuquerque, NM 87125 P/D; Grants for residents of San Miguel and Mora counties, NM, financial need. Call or write for further guidelines. The Ogden College Fund and Research Scholarships. P.O. Box 3350 (502)781-9428 Bowling Green, KY 42101-3350 P/D: Grants for graduates of KY high schools with GPA of 3.0 or better to study at Ogden College of Science/ Technology and Health at Western Kentucky University. Contact: c/o Cooper R. Smith, Jr. 520 Hillwood Drive., Bowling Green, KY 42101 Warren H. Bishop Memorial Scholarship Fund (also known as Priscilla Hill Warren Bishop Scholarship Fund) c/o U.S. National Bank of Oregon P.O. Box 3168 Trust Div. Portland, OR 97208-3168 Application Address: c/o Scholarship Fund Comm. 70 Jackson County Medical Society Rogue Valley Medical Arts Bldg. 691 Murphy Road, Suite 216 Medford, OR 97501 P/D: Scholarships to residents of Jackson, Josephine, and Klamath counties, OR who are members of the sophomore, junior, or senior class at an accredited medical school. Contact foundation for further guidelines. Black Haw College Foundation 6600 34th Street, (309)796-1311 Moline, IL 61265 P/D: Scholarships to residents of Community College District No. 503, IL. Application by letter accepted throughout the year. Contact: Carmen Juarez The Buffett Foundation 222 Kiewit Plaza Omaha, NE 68131 Application Address: c/o Devon Buffett P.O. Box 4508 (402)451-6011 Decatur, IL 62525 P/D: Scholarships to financially needy residents of NE. Scholarships are for tuition and fees at NE state colleges and universities, and $500 per semester at other institutions. Completion of formal application required. Contact: Allen Greenberg Norris Bursary Scholarship Fund 431 Alhambra Circle (305)266-3333 Miami, FL 33134-4901 P/D: Scholarships to residents of FL for undergraduate study at an accredited college or trade school. Applications accepted throughout the year. Completion of formal application required. Contact: Matthew Slepin, Trustee Rhode Island Higher Education Assistance Authority Program Grant and Scholarship Program 560 Jefferson Blvd. (401)736-1100 Warwick, RI 02886 P/D: Grants for residents of RI enrolled at least 2 time at an eligible postsecondary institution, U.S. citizen or legal resident, financial need. Contact foundation for further guidelines. Raeburn E. Barnes Estate Trust P.O. Box 499 Sidney, OH 45365 Application Address: c/o Roger McGee 444 Apollo Drive Sidney, OH 45365 P/D; Educational grants to citizens of Shelby County, OH. Initial approach by letter requesting application. Completion of formal application required. Treacy Company P.O. Box 1700 (406)442-3632 Helena, MT 56924 P/D: Grants for residents of or students attending institutions in Idaho, Montana, North Dakota and South Dakota. Contact: James O=Connell Harriet Bouslog Labor Scholarship Fd. c/o Funding Trust Fund 1149 Bethel Street, Rm. 207 Honolulu, HI 96813 (808)536-8072 Application Address: 63 Merchant Street Honolulu, HI 96813 P/D: Scholarships to residents of Hawaii. Preference is given to applicant=s whose parents are members of labor organizations. Applications should include a brief resume of academic qualifications. Clinton J. Carr Foundation Inc. P.O. Box 11022 Telluride, CO 81435-4000 P/D: Scholarships to high school graduates who reside in MO. Write for further guidelines. Lyon Foundation Inc. 65th & Scott Hamilton Drive Little Rock, AR 72204 P/D: Grants for residents of AR pursuing private higher education. Contact foundation for further guidelines. Contact: Ralph Cotham, Secretary-Treas, Lyon Foundation P.O. Box 4408 Little Rock, AR 72214 Chiefs Children=s Fund c/o Kansas City Chiefs One Arrowhead Drive Kansas City, MO 64129 P/D: Scholarships to financially needy students from the Kansas City, MO area. Applications accepted throughout the year. Contact foundation for current application guidelines. Contact: Dale M. Young, Treasurer Dodd and Dorothy L. Bryan Foun. P.O. Box 6287 (307)672-3535 Sheridan, WY 82801 P/D: Grants for resident of Sheridan, Campbell, and Johnson Counties, WY, and of Powder River, Rosebud, and Big Horn Counties, MT. Contact: Rose Marie Madia, Office Mgr. Mark and Catherine Winkler Foun. 4900 Seminary Road, (703)998-0400 Alexandria, VA 22311 P/D: Grants for residents of VA who are single parents. Contact: Lynn Ball, Executive Director Callejo Botello Foundation Charitable Trust 4314 N. Central Expwy. (214)741-6710 Dallas, TX 75206 P/D: Scholarships primarily to students planning to attend educational institutions in Texas. Completion of formal application required. Contact: William F. Callejo, Trustee The Dave Cameron Educational Foun. P.O. Box 181 (803)684-4968 York, SC 29745 P/D: Grants for York, SC undergraduate students who maintain a minimum 2.0 GPA, based on financial need and academic achievement. Contact: John Adkins. Alliance Franchise of Tucson P.O. Box 18851 Tucson, AZ 85731 Application Address: 3801 Calle Cortez Tucson, AZ 85716 P/D: Grants for scholarships, book awards, and medals to university and high school students in the Tucson, AZ area who are enrolled in french classes. Initial approach by letter. Completion of formal application required. Contact your french teacher for application. Contact: Antoinette Wagner, President Battle Creek Community Foundation (formerly Greater Battle Creek Foun) One Riverwalk Ctr. 34 West Jackson Street, (616)962-2181 Battle Creek, MI 49017-3505 Fax: (616)962-2182 P/D: Scholarships to residents of the greater Battle Creek, MI area. Initial approach through high school counselors. Completion of formal application required. Contact: Brenda L. Hunt, V.P. Maryland State Scholarship Admin. Maryland Distingquished Scholar Award Jeffrey Building 16 Francis Street, (410)974-5370 Annapolis, MD 21401 P/D: Grants for graduates of, or seniors at a MD high school and legal resident of MD, who are in financial need. Contact foundation for further guidelines. Brisley Scholarship Loan Fund (Formerly Ella Frances Brisley & Norma Brisley Phillips Scholarship Loan Fund) c/o Boatman=s First National Bank of Kansas City, 14 West 10 th Street P.O. Box 419119 (816)979-7481 Kansas City, MO 64141-6119 P/D: Scholarships to financially needy medical and nursing students attending accredited schools. Write for further guidelines. Utah Board of Regents Student Incentive Grants, Educationally Disadvantaged Fund 355 W. North Temple #3 Triad, Suite 550, (801)538-5247 Salt Lake City, UT 84180 P/D: Grants to residents of UT to attend eligible Utah institutions, substantial financial need, U.S. citizens and legal residents. Anna Beal Trust c/o Mercantile Bank of Eastern Iowa P.O. Box 88 (319)235-3235 Waterloo, IA 50704-0088 P/D: Scholarships to financially needy residents of Iowa studying in agriculture and biology-related fields, who attend colleges and universities previously select by the trustee. Contact trust for current application. Initial contact by letter or telephone. Contact: Vicki Angove, Asst. VP. & Trust Officer Goldstein Scottish Rite Trust P.O. Box 021194 Juneau, AK 99802 P/D: Grants for needy graduates of local Juneau, Alaska, high schools. In financial need. Contact: James H. Taylor, Manager, 4365 N. Douglas Road (907)586-2849 Juneau, AK 99801 The Community Foundation of Greater Chattanooga, Inc. 1701 American National Bank Building Chattanooga, TN 37402 (615)265-0586 P/D: Grants for residents of Chattanooga area who will be working in nursing or social work. Academic achievement and financial need are required. Contact: Peter T. Cooper, Exec. Director Vermont State Labor Council AFL-CIO James Cross Scholarship 149 State Street, Box 858 Montpelier, VT 05602 (802)223-5229 P/D: Grants for graduating high school seniors, dependent or member of a union affiliated with the Vermont AFL-CIO planning to attend an accredited educational institution. Contact: Tom Belville The Hatterscheidt Foundation, Inc. c/o First Bank - Aberdeen 320 South First Street (605)226-4126 Aberdeen, SD 57401 P/D: Grants for residents of SD and Jamestown, ND, area high school seniors with financial need and 3.0 minimum GPA. Contact: Kaye De Young Addison H. Gibson Foundation 6PPG Place, Suite 860 Pittsburgh, PA 15222 (412)261-1611 P/D: Grant for residents of western PA, only after 1 year of self-maintenance study. Contact foundation for further guidelines. Contact: Rebecca Wallace Sapiente, Dir. Charles P. Chapman Trust c/o First NH Bank P.O. Box 2770 (603)634-6785. Concord, NH 03302-2770 P/D: Scholarships to residents of Manchester NH, entering college as first-year students only. Completion of formal application required, including financial aid forms and high school transcript. Contact: Verne Pare, VP. The Health Education Fund Dept. 550, P.O. Box 40200 Jacksonville, FL 32202-0200 (800) 457-6417 P/D: Grants for High School Graduates from schools in the southeastern U.S. to study for the ministry, missionary activities, or social work. Contact: Donna Nichols New Careers Scholarships for Adult Students University of Pittsburgh Bruce Hall, Second Floor Pittsburgh, PA 15260 (412)624-7488 P/D: Grants for adult students with financial need. Contact: Dr. Betsy Porter, Director of Financial Aid. Cordelia Lunceford Beatty Trust c/o Security Bank Bldg. 2nd Floor P.O. Box 514 (405)363-3684 Blackwell, OK 74631 Application Address: 105 North Main Blackwell, OK 74631 P/D: Grants to Postsecondary scholarships and preschool tuition to financially needy residents of Blackwell, OK who are under the age of 19. Contact foundation for further guidelines. Contact: James R. Rogers, Trustee Pickett and Hatcher Education Fund 1800 Buena Vista Road Columbus, GA 31908 (706)327-6586 P/D: Grants for residents of TN, and attending college. No funds available for technical or vocational students or for students planning to enter fields of medicine, law or the ministry. Contact: Robert E. Bennett, President Vermont Student Assistance Corp. Incentive Grants Champlain Mill, P.O. Box 2000 Winooski, VT 05404 (802)655-9602 P/D: Grants for residents of VT for minimum 1 year, high school graduate or equivalent to attend approved post-secondary VT institution, financial need, U.S. citizen or legal resident. Treacy Company P.O. Box 1700 (406)442-3632 Helena, MT 56924 P/D: Grants for residents of or students attending institutions in Idaho, Montana, North Dakota and South Dakota. Contact: James O=Connell The Barker Foundation, Inc. P.O. Box 328 Nashua, NH 03061-0328 P/D: Undergraduate scholarships primarily to residents of NH. Grants for scholarships are based on financial need, academic performance, and recommendations. Application by letter. Contact: Allan M. Barker, President Field Cooperative Association, Inc. P.O. Box 5054 (601)939-9295 Jackson, MS 39296 P/D: Grants for residents of MS in financial need. Contact foundation for further guidelines. Contact: Ann Stephenson James M. Hoffman Scholarship Trust c/o South Trust Bank of Alabama, N.S. P.O. Box 1000 (205)238-1000 Anniston, AL 36202 P/D: Grants for graduates of high school in Calhoun County, AL. Referral by high required. Contact: Bill Priddy Laura Fields Trust P.O. Box 2394 (405)355-3733 Lawton, OK 73502 P/D: Grants for residents of Comanche County, OK in college and graduate school. Contact foundation for further guidelines. Contact: Jay Dee Fountain, Exec. Sec=y District of Columbia State Student Incentive Grant District of Columbia Office of Post-secondary Education, Research & Assist. 2100 Martin Luther King Ave., SE Ste. 401 Washington, DC 20020 (202)727-3688 P/D: Grants for DC residents in financial need. Contact foundation for further guidelines. Contact: Shelia Kornegay, Acting Program Manager Brewer Foundation, Inc. 3819 Woodlaw Road, (919)443-1333 Rocky Mount, NC 27804 P/D: Scholarships for higher education to residents of North Carolina. Contact foundation for current application deadline and procedures. Contact: Joseph B. Brewer, Jr., President North Dakota State Grant Program Capitol Building, Tenth Floor 600 E. Boulevard (701)328-2960 Bismarck, ND 58505 P/D: Grants for ND residents planning to attend college in ND, rank in top 20% of graduating class and score in top 5% of ACT assessment, renewable. Contact: Peggy Wipf Lois and Mary J. Abstine College Scholarship Fund c/o National City Bank, Indiana P.O. Box 5031 (317)267-7315 Indianapolis, IN 46255 P/D: Scholarships to residents of Shelby County, IN. Completion of formal application required. Contact: Linda A. Richard, Trust Officer Margaret A. and Lawrence J. Bennett Scholarship Fund c/o Chase Manhattan Bank 270 Park Ave., 21st Fl. New York, NY 10017 Application Address: c/o Capt. Vincent Doherty 677 83rd Street, (718)383-9232 P/D: Scholarships to children of New York City police officers, either active, retired, or killed in the line of duty. Applications accepted through the year. Contact fund for current application guidelines. The William T. and Ethel Lewis Burton Foundation One Lakeshore Drive, Suite 1700 Lakes Charles, LA 70629 (318)433-0142 P/D: Scholarships for southwest LA high school seniors and the McNeese State University, Louisiana football team. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required. Contact: William B. Lawton, Chair. John H. Biggs, Jr. Memorial Scholarship Fund 811 B Dombarton Drive (908)920-1385 Lakewood, NJ 08701 P/D: Scholarships to students from Gloucester High School, MA who have been accepted at an accredited institution of higher education. Contact school for current application. Contact: John H. Biggs, Chair The Maine Community Foundation, Inc 210 Main Street, P.O. Box 148 Ellsworth, ME 04605 (207)667-9735 P/D: Grants for Residents of Maine in financial need. Contact foundation for further guidelines. Contact: Ms. D=Angelo, Assoc. Director H. Fletcher Brown Trust (Formerly Florence H. Brown Trust) c/o PNC Bank, Delaware 222 Delaware Ave., 16th Fl. Trust Dept. Wilmington, DE 19899 (302)429-2827 P/D: Scholarships to financially needy DE residents, who were born in DE and are studying chemistry, engineering, law, medicine, or dentistry. Completion of formal application required, including transcript, SAT scores. Write foundation for guidelines. A. P. & Louise Rouch Boys Foundation c/o Twin Falls Bank & Trust Company Trust Department P.O. Box 7 Twin Falls, ID 83303-0007 P/D: Grants for students attending college in the Magic Valley area ID, financial need. Contact: Janice Stover, Asst. Trust Off. Children=s Educational Opportunity Foundation of Southern California (also known as CEO Foundation of Southern California) P.O. Box 459 (310)407-1535 Cerritos, CA 90702-0459 P/D: Scholarships to financially needy children from Los Angeles and Orange counties, CA to attend private, nonprofit schools in Los Angeles and Orange counties, CA. Children must qualify for the federal lunch program and must be entering grades K-8. Contact foundation for further guidelines. Laura E. Porter Trust Drawer H (316)672-5533 Pratt, KS 67124 P/D: Grants for male graduates of Pratt County Community College, KS to further their education at a university approved by the trustees. Contact foundation for further guidelines. Contact: J. W. Van Blaricum, Bill Hampton, Jr., Mike Lewis, Trustees Harvey Foundation, Inc. First Federal Building, Suite 507 1519 Ponce de Leon Avenue Santurce, PR 00909 P/D: Scholarships to residents of Puerto Rico. Contact foundation for further guidelines. Contact: Arthur J. Harvey, Jr., President Nevada Dept. of Education 400 West King Street, (702)885-3104 Carson City, NV 89710 P/D: Grants for Nevada administers financial aid programs through Nevada colleges. Write for guidelines. The Ethan Allan Brown Scholarship Fd 18 Tremont Street, Ste. 1040 Boston, MA 02108 P/D: Grants for undergraduate scholarships primarily to residents of MA Write for guidelines. Contact: Frank Santangelo, Trustee The Balso Foundation c/o The Ball & Socket Manufacturing Co. 493 West Main Street Cheshire, CT 06410 Application Address: c/o Guidance Dept. Cheshire High School South Main Street, (203)272-5361 Cheshire, CT 06410 P/D: Scholarships to high school seniors and college undergraduates in Cheshire, CT and surrounding towns. Scholarships are only available for undergraduate study and are renewable. Completion of formal application required. Albuquerque Community Foundation P.O. Box 36960 (505)883-6240 Albuquerque, NM 87176-6960 P/D: Scholarships and financial aid awards to residents of the state of NM. Recipients may be graduating high school seniors or continuing education adults. Contact foundation for current application. Initial approach by letter or telephone. Completion of formal application required. Each program requires a separate application. Fred (B.A.) Batterton Fund c/o Kentucky Bank P.O. Box 157 Paris, KY 40362 P/D: Scholarships to residents of Bourbon County, KY for medical education. Applications by letter accepted. Contact foundation for further guidelines. Alexander Family Education Foundation Welfare Trust 8401 N. E. Halsey, Suite 106 Portland, OR 97220 Application Address: c/o Nicolas Alexander, Trustee 802 N. E. 199th (503)666-9491 Portland, OR 97233 P/D: Scholarships to residents of Oregon. Completion of formal application required. Contact foundation for further guidelines. Art and Clara Butts Scholarship Found. P.O. Box 577 (308)346-4509 Burwell, NE 68823 P/D: Scholarships to residents of Garfield County, NE and the surrounding areas. Completion of formal application, including academic transcripts, college application letter, and two letters of recommendation. Contact: Elinor Johns Jacob Stump, Jr. & Clara Stump Memorial Scholarship Fund Broadway & Charleston at 14th Street P.O. Box 685 (217)234-6434 Mattoon, IL 61938 P/D: Grants for high school graduates from Coles, Cumberland, Douglas, and Moultrie Counties who will attend state supported Illinois colleges. Contact foundation for further guidelines. Contact: Trust Officer Brevard Heart Foundation, Inc. 228 Eighth Avenue (407)725-2292 Indialantic, FL 32903 P/D: Scholarships for residents of Brevard County, FL for nursing and medical education. Contact foundation for current application deadline. Initial approach in person or by letter. Completion of formal application required. Interviews for first-time applicants required. Contact: Dr. Jack Bechtel, President Paul O. and Mary Boghossian Found. c/o The Rhode Island Hospital Trust National Bank One Hospital Trust Plaza Providence, RI 02903 (401)278-8752 P/D: Scholarships to Rhode Island residents. Completion of formal application required. Contact: Deidre W. S. Martin, V.P. Peter J. Blosser Student Loan Fund (also known as Peter J. Blosser Scholarship Trust) P.O. Box 6160 (614)773-0043 Chilicothe, OH 45601 P/D: Grants to residents of Ross County, OH. Completion of formal application required, including copy of most recent tax return and copy of commutative GPA or transcript. Interviews required. Contact; Marie Rosebrook, Admin. Secy. Helen S. Davis Scholarship Trust No.3 c/o Norwest Bank Investment Mgmt. & Trust Company P.O. Box 597 (406)447-2065 Helena, MT 59624-0597 P/D: Scholarships to residents of Montana attending accredited medical schools. Completion of formal application required, including undergraduate transcript, three reference letters, federal income tax forms, and letter of acceptance. Contact: Fay Logan, Trust Officer. John A. Burns Foundation P.O. Box 1149 Wahiawa, HI 96786 P/D: Scholarships to public high school seniors from Hawaii only. For the study of education. Application by letter including any supporting materials. Contact: Robert C. Oshiro, President The Charter Fund 370 17th Street, Ste., 5300 Denver, CO 80202 (303)572-1727 P/D: Scholarships to CO high school seniors. Contact foundation for current application deadline. Initial approach by letter or telephone requesting application. Completion of formal application required. Contact: Cindy Kennedy John Brandt Memorial Foundation c/o Northwestern National Bank 831 66th Avenue, N.E. Trust Dept. Minneapolis, MN 55432-4502 Application Address: c/o Gint Behrens P.O. Box 116 (612)481-2665 P/D: Scholarships to graduate students of dairy and animal science at upper Midwest institutions. Contact foundation for guidelines. Arkansas Community Foundation, Inc. 700 S. Rock (501)372-1116 Little Rock, AR 72202 P/D: Scholarships for students who are AR residents. Call or write foundation for more information. Contact: Martha Ann Jones, President The Burkhalter Educational Fund c/o First Baptist Church Seventh & South Caroline Louisiana, MO 63353 P/D: Scholarships to students living in the area of First Baptist Church, Louisiana, MO. Completion of formal application required. Include parent=s tax return with form. Interviews required. Paul Stock Foundation 1135 14th Street P.O. Box 2020 (307)587-5275 Cody, WY 82414 P/D: Education Grants for Cody, WY residents in financial need. Contact foundation for further guidelines. Herbert E. and Marion K. Bragg Found. c/o Crestar Bank, N.A. Tax Services P.O. Box 27385, HDQ5905 Richmond, VA 23261-7385 Application Address: c/o Perry Gorham, Trust Officer Crestar Bank 510 South Jefferson Street Roanoke, VA 14011 P/D: Scholarships to students at colleges and universities in Maine and Virginia. Contact foundation for further guidelines. Tom C. Barnsley Foundation c/o Nations Bank of Texas, N.A. P.O. Box 270 (915)685-2281 Midland, TX 79702 P/D: Scholarships to graduates of Crane High School, Texas studying agriculture related fields. Application accepted throughout the year. S. Carolina Department of Veterans Aff. Governor=s Office, Dept of Veterans Affair 225 Edgar Building (803)765-5104 Columbia, SC 29201 P/D: Grants for children of war veterans who were legal residents of SC at the time of their entry into the U.S. armed forces and who were killed in action or died of disease, disability, or other causes resulting from service. For undergraduate study at state supported SC institutions. Contact: Jimmie L. Gresham, Field Off. Sp Charlotte Hall School Board of Trustees P.O. Box 283 Charlotte Hall, MD 20622 P/D: Scholarships to residents of MD for higher education. Contact foundation for further guidelines. Contact: William Runyon, President BF Foundation 23 East Fine Avenue - fax:(602)774-2810 Flagstaff, AZ 86001-3217 P/D: Grants for undergraduate scholarships primarily to AZ residents who are U.S. citizens and enrolled full-time at Northern Arizona University. Continuing education students at Arizona State University who are AZ residents and U.S. citizens may also apply. Completion of formal application required. Contact: Katherin Lee Chase, President AEI Scholarship Fund c/o Society Bank 100 South Main Ann Arbor, MI 48104 P/D: Scholarship to financially needy female students accepted to or attending, accredited medical schools in the U.S. Applicant=s must maintain at least a AC+@ average. Completion of formal application required, including transcript, reference letter and verified financial information. Interviews granted upon request. Contact: B. Todd Jones, Fuller E. Callaway Foundation 209 Broome Street P.O. Box 790 (706)884-7348 Le Grange, GA 30241 P/D: Scholarships to individuals who have been residents of Troup County, GA for at least two years. Initial approach by letter. Completion of formal application required. Interviews required at the discretion of the Scholarship Committee. Contact: J. T. Gresham, General Mgr. Violet R. and Nada V. Bohnett Memorial Foundation 15600 Redmond Way, Suite 200 Redmond, WA 98052 P/D: Scholarships to individuals primarily in western Washington, California, Arizona, Colorado, and Hawaii for the study of Christian ministry. Students from western WA have priority. Contact foundation for further guidelines. Contact: Mr. Jamie Bohnett, Admin. Ruth Eleanor and John Ernest Bamberger Memorial Foundation 1201 Walker Center (801)364-2045 Salt Lake City, UT 84111 P/D: Undergraduate scholarships to Utah residence, with preference given to nursing students. Occasional loans awarded for medical education. Contact: William H. Olwell, Secy-Treas. Carter Family Foundation c/o United National Bank 129 Main Street, Trust Dept. Beckley, WV 25801 (304)256-7300 P/D: Grants to residents of WV who plan to become teachers in WV. Priority is shown to Raleigh County residents. Application by letter including resume. Contact: John Barry, Trust Div. Mgr. Rex Bishop and Christine Bishop Perpetual Scholarship Fund for Iowa Valley Community School District P.O. Box 267 888 Court Ave., (319)642-5521 Marengo, IA 52301 P/D: Scholarships to students residing in Iowa Valley Community School District for higher education, including college, trade, and technical education with the state of Iowa. Completion of formal application required. Contact: Charles R. Dillin, Trustee Arctic Education Foundation 301 Arctic Slope Avenue Anchorage, AK 99518 Application Address: c/o Flossie Anderson P.O. Box 129 (907)852-8633 Barrow, AK 99723 P/D; Scholarships to worthy and financially needy Native Alaskan students residing in the Arctic and descendants of persons residing in the Arctic for post secondary education. Applications accepted throughout the year. Initial approach by letter requesting application. Completion of formal application req=d. Jim Blevins Foundation P.O. Box 150056 (615)298-5000 Nashville, TN 37215 P/D: Scholarships primarily to residents of TN. Application by letter. Write for guidelines. Contact: Jim V. Blevins, Trustee of Chester Academy c/o First Vermont Bank & Trust Co. P.O. Box 595, Banknorth Group Tax Dt. Williston, VT 05495-0595 P/D: Scholarships to high school graduates residing in Chester, VT. Contact foundation for current application guidelines. Engen Seminary Student Scholarship Assistance Trust c/o First Bank of South Dakota, N.A. Trust Dept. P.O. Box 90 Rapid City, SD 57709 Application Address: c/o Evangelical Lutheran Church in America Presho, SD 57568 P/D: Scholarships to students who are members of the Evan. Lutheran Church and attend an accredited ELCA seminary in preparation for the parish ministry. Abernathy Black Community Development & Educational Fund 325 Washington Trust Bldg. Washington, PA 15301 Application Address: P.O. Box 177 Washington, PA 15301 P/D: Scholarships to African-American students from Washington, PA to attend colleges and technical schools. Contact foundation for current application. J. Wilfred Anctil Foundation c/o Fleet NH Investment Services P.O. Box 2770 Concord, NH 03302-2770 Application Address: c/o Wayne Nelson P.O. Box 96 Nashua, NH 03061-0096 P/D: Scholarships for higher education to needy residents of the greater Nashua, NH area. Initial approach by letter, including high school or college transcript of grades and a statement of need. Andalusia Health Services, Inc. P.O. Box 667 Andalusia, AL 36420 P/D: Scholarships to residents of Covington County, AL who are pursuing a degree in a health related field, such as nursing, medicine, and medical or laboratory technology. Completion of formal application required. : Carolyn Davis Fern Brown Memorial Fund c/o Liberty Bank & Trust Co. of Tulsa, NA P.O. Box 1 (918)586-5594 Tulsa, OK 74193 P/D: Scholarships to residents of OK. Applications by letter accepted throughout the year. Contact foundation for further guidelines. Contact: Mike Bartel, V.P. Phil Hardin Foundation P.O. Box 187 Meridian, MS 39302-0187 P/D: Grants to residents of MS in financial need. Contact foundation for further guidelines. Ernest G. Arps Memorial Education c/o Branch Banking & Trust Co. 223 West Nash Street Wilson, NC 27893 Application Address: c/o Samuel Styons, Trustee P.O. Box 1271 Plymouth, NC 27962 P/D: Scholarships to residents of Washington County, NC to attend a four year college in NC. Completion of formal application required, including photographs. Gabriel J. Brown Trust 112 Ave., E. West Bismarck, ND 58501-3662 (701)223-5916 or (701)223-5119 P/D: Grants to financially needy residents of ND. Initial approach by letter or telephone. Completion of formal application required, including current grade level, GPA, and financial information. Contact foundation for further guidelines. William M. and Louise O. Allen Scholarship Fund c/o National City Bank, Indiana P.O. Box 5031 (317)267-7280 Indianapolis, IN 46255 P/D: Scholarships to high school graduates in Montgomery County, IN who plan to attend IN colleges and universities. Completion of formal application required, including a letter outlining financial need and future plans. Contact: David Houck, Trust Officer Otto Sussman Trust P.O. Box 1374 Trainsmeadow Station Flushing, NY 11370-0998 P/D: Grants for residents of NY, NJ, OK, PA, demonstrate financial need due to death or illness in family. Write for further guidelines. Contact: Edward S. Miller, Trustee Carl & Grace Baker Memorial Scholarship Loan Fund Trust c/o Bank of Stockton, Trust Dept. P.O. Box 1110 Stockton, CA 95201 P/D: Educational grants to students in the public school system within the territorial jurisdiction of Stockton, CA Scottish Rite Bodies. Completion of formal application required, including three references and transcript. Contact: R. W. Friedberger Board of Trustees Academic Awards Louisiana Tech University P.O. Box 7925, Tech Station Rouston, LA 71272 (800)528-3241 P/D: Grants for students in good academic standing financial need. Contact foundation for further guidelines. Contact: Jan Albritt, Financial Officer. Career Advancement Awards New Jersey Institute of Technology University Heights Newark, NJ 07102 (201)596-3100 P/D: Grants for NJ freshmen who are women and/or minority students in financial need. Contact foundation for further guidelines. Contact: Joanne Range The William L. and Victorine Q. Adams Foundation, Inc. 306 Mondawmin Mall 2401 Liberty Heights Avenue Baltimore, MD 21215 Application Address: c/o Adams Future Business Leader Scholarship Fund Assoc. Black Charities 1114 Cathedral St., 2nd Floor Baltimore, MD 21201 (410) 659-0000 P/D: Undergraduate scholarships to financially needy African-American residents of the City of Baltimore, MD who are U.S. citizens, for the study of business. Completion of formal application required, including GPA transcript, financial statement, recommendation from high school official Contact foundation for further guidelines. Contact: Blanche D. Rodgers. State of Idaho Scholarship P.O. Box 83720 (208)334-2270 Boise, ID 83720-0037 P/D: Grants to graduates of Idaho high schools to attend Idaho institutions. Write for guidelines. Contact: Caryl Smith Top Venture Capital Sources Birmingham Venture Club Chamber of Commerce P.O. Box 10127 Birmingham, AL 35202 205-323-5461 205-250-7669 fax Contact: Patricia Fox Mobile Venture Club c/o Mobile Area Chamber of 5 Commerce 451 Government Street Mobile, AL 36652 205-443-6951 fax:205-431-8608 Contact: Walter Underwood Sherman Shores Alabama Development Office 401 Adams Ave., #600 Montgomery, AL 36130 205-242-0400 fax: 205-242-0486 Small Business Administration 2121 Eighth Ave., N. Suite 200 Birmingham, AL 35202-2398 205-731-1344 fax: 205-731-1404 Small Business Administration 222 West 8"- Avenue P.O. Box 67 Anchorage, AK 99513-7559 907-271-4022 fax: 907-271-4545 Alaska Pacific Venture Club 405 W. 27* Avenue Anchorage, AK 99503 907-563-3993 fax: 907-279-9319 Bureau of Indian Affairs P.O. Box 25520 Juneau, AK 99802-5520 (907) 586-7600 Small Business Assistance 2828 N. Central Ave., #800 Phoenix, AZ 85004-1025 602-280-1480 Florida Venture Group 2838 Kansas Street Oviedo, FL 32765 407-365-5374 407-365-5374 fax Contact: Maryjim King Hawaii Venture Capital Assoc. University of Hawaii, OTTED 2800 Woodlawn Drive., Ste. 280 Honolulu, HI 96822 808-526-1277 fax:808-524-2775 Arizona Ventures 2419 N. Black Canyon Hwy.. Ste.4 Phoenix, AZ 85009 602-254-8560 fax: 602-254-9650 Contact: Merritt Chamberlain Venture Resources, Inc. 100 S. Main Street, Ste. 416 Little Rock, AR 72201 501-375-2004 fax: 501-375-8317 Orange Coast Venture Group c/o American Accounting 23011 Moulton Prkwy., Ste. F2 Laguna Hills, CA 92653 714-855-0652 fax:714-859-1707 Contact: Renee Wagoner Orange County Venture Group P.O. Box 2011 Laguna Hills, CA 92654 714-855-0652 fax:714-380-1128 Contact: Gregory Beck Community Entrepreneurs Organization P.O. Box 2781 San Rafael, CA. 94912 415-435-4461 Contact: Dr. Robert Crandall San Diego Venture Group 750 'B' Street, Ste. 2400 San Diego, CA. 92101 619-595-0284 fax: 619-231-8055 Small Business Administration 211 Main Street San Francisco, CA. 94501-1988 415-744-6820 fax:415-744-6812 Local Offices: Fresno: 209-487-5189 Los Angeles: 213-894-2956 Sacramento: 916-551-1426 San Diego: 619-557-7252 San Francisco: 415-744-6820 Santa Ana: 714-836-2494 Ventura: 805-642-1866 Treasure Valley Venture Capital Forum Idaho Small Business Development Center Boise State University College of Business 1910 University Drive Boise, ID 83725 208-385-1640 Iowa City Development ICAD Group P.O. Box 2567 Iowa City, IA 52244 319-354-3939 fax:319-338-9958 Rockies Venture Club, Inc. 4950 E. Evans, Ste. 115 Denver, CO 80222 303-831-4174 Contact: Maita Lester Small Business Administration U.S. Customs House 99918th Street, #701 Denver, CO 80202 303-294-7186 fax:303-294-7153 Colorado Community College and Occupational Education System 1391 N. Speer Blvd., Suite 600 Denver, CO 80204 303-620-4000 Connecticut Venture Capital Fund 200 Fisher Drive Avon, CT 06001 203-677-0183 203-676-0405 Contact: Sam Me Kay Baltimore-Washington Venture Group Michael Dingman Center for Entrepreneurship College Park, MD 20742-7215 301-405-2144 fax:301-314-9152 Contact: Mark Feuerberg Economic Development and Commercial Revitalization Bureau of Community Assistance 2740 Centerview Drive Rhyne Building, Tallahassee, FL, 32399-2100 904-488-3581 Gold Coast Venture Capital Club 5820 N. Federal, Ste. A-2 Boca Raton, FL 33478 407-997-6594 fax:407-997-6347 fax Contact: Mike Donnelly Gold Coast Venture Capital Club 11401-A W. Palmetto Park Rd., Ste. 202 Boca Raton, FL 33428 407-488-4505 fax:407-487-4483 Madison Dearborn Partners 70 W. Madison, Ste. 1330 Chicago, II 60602 312-732-5400 fax:312-732-4098 Small Business Administration 500 West Madison, Suite 1250 Chicago, IL 60661-2511 312-353-4528 fax: 312-886-5108 Richmond Venture Capital Club 9101 Midlothian, Ste. 900 Richmond, VA 23235 804-560-7000 Contact: Sally Cook Northwest Venture Group P.O. Box 21693 Seattle, WA 98111 206-746-1973 Enterprise Venture Capital Company P.O. Box 460 Summerville, WV 26651 304-872-3000 fax :304-872-3040 Contact: William Bright Wisconsin Venture Network 823 N. Second Street, Ste. 605 Milwaukee, Wl 53203 414-278-7070 Puerto Rico Venture Capital Club P.O. Box 2284 HatoRey,PR00919 1-800-787-9040 Contact: Danol Morales Johannesburg Venture Capital Club 162 Anderson Street P.O. Box 261425 EXCOM 2023 RSA Johannesburg, South Africa, 2001 Contact: Graham Rosenthal Cape Town Venture Capital Assoc. c/o Arthur Anderson and Company 12*" Floor, Shell House Capetown, South Africa, 8001 Contact: Colin Hultzer Westchester Venture Capital Network c/o Chamber of Commerce 222 Mamaroneck Avenue White Plains, NY 10605 914-948-2110 fax:914-948-0122 Rochester Venture Capital Group 100 Corporate Woods, Ste. 300 Rochester, NY 14623 Enterprise Venture Capital Corporation of Pennsylvania 111 Market Street Johnstown, PA 15901 814-535-7597 fax:: 814-535-8677 The CPA Firm Coopers and Lybrand 1251 Avenue of the Americas New York, NY 10020 212-536-2000 fax 212-536-1858 Small Business Administration 60 Park Place, 4th Floor Newark, NJ 07102 201 -645-2434 fax: 201 -645-6265 Venture Economics, Inc. 22 Pittsburgh Street Boston, MA 02210 617-345-2504 Contact: Kelly Mc Gow Small Business Administration Regional Office 26 Federal Plaza, Room 3100 New York, NY 10278 212-264-2454 fax 212-264-4963 Securities Date Publishing 40 W. 57th Street 11th Floor New York, NY 10019 212-333-9274 Contact: David Fabel Small Business Administration 911 Walnut Street, 13* Floor Kansas City, MO 64016 816-426-3608 fax: 816-426-5559 Office of Community Planning and Development Division Department of Housing and Urban Dev.. 10 Causeway Street, 3'" Floor Boston, MA 02222 617-565-5345 Michigan Department of Commerce 525 W. Ottawa Lansing, MI 48909 517-373-9017 Small Business Administration 515 MacNamara Bldg. 477 Michigan Avenue Detroit, MI 48226 . 313-226-6075 fax : 313-326-4769 Missouri Department of Economic Dev. P.O. Box 118 Jefferson City, MO 65102 314-751-0717 Long Island Venture Group CW Post Campus, Long Island Univ. College of Management Deans Office, Worth Hall Room 309, North Blvd. Brookville,NY 11548 516-299-3017 fax:516-299-2786 Contact: Carol Caracappa New York Venture Group 605 Madison Avenue, Ste. 300 New York, NY 10022-1901 212-832-7300 fax:212-832-7338 Contact: Burt Alimansky Local Government Assistance Division Department of Commerce 1424 9th Avenue Helena, MT 59620 406-444-3757 Edmonton Chamber of Commerce 600 10123 99th Street Edmonton, Alberta Canada T5J 3G9 403-464-3560 Contact: Ace Cetinski Venture Capital/Entrepreneurship Club of Montreal, Inc. 1670 Sherbrooke Street East Montreal (Quebec) Canada, H2L IM5 514-526-9490 Contact: Claude Belanger Montana Private Capital Network 7783 Valley View Road Poulson, MT 59860 406-883-5470 406-883-5470 fax Contact: Jon Marchi, President Grand Island Industrial Foundation 309 W 2"" Street P.O. Box 1486 Grand Island, ME 68802-1486 308-382-9210 fax:308-382-1154 Contact: Andrew G. Baird, II CED Venture Assoc. of New Jersey, Inc. 177 Madison Avenue., CN 1982 Morristown, NJ 07960 201-267-4200 fax:201-984-9634 Contact: Amy or Jay Trien CHAPTER 2 FREE FEDERAL MONEY FOR BUSINESSES Top The Federal Government is the World=s Largest Source of free grant money, to help start or expand a business. You may think, Why haven=t I heard about these free cash giveaways before? The government does not really advertise the availability of grant programs to the public. Those who happen to hear about the programs, find it difficult to locate the right office, cannot get all the necessary information, and find that there are so many programs, that not even the government employees know the procedure=s to follow. For some, it becomes a losing battle and they give up in total frustration. Generally, people do not believe that government cash giveaway programs are for the average person, they also tend to believe budget cut headlines, and thus fewer people attempt to get their share of available free grant money. Many programs saw applications for grant money drop by 30 percent when, in fact, the amount of money available remained the same or even increased. Federal Information Centers Program (FIC) is a focal point for information about the Federal Government. The FIC assists people who have questions about Federal services, programs, and regulations, but do not know where to turn for an answer. FIC information specialists either answer an inquirer=s questions directly or perform the necessary research to locate and refer the inquirer to the expert best able to help. There is a new toll-free telephone number, now available for all states; 1-800-688-9889. Or write to the Federal Information Center, P.O. Box 600 Cumberland, MD 20501. TDD users may reach the FIC by dialing a toll-free number, 1-800-326-2996. SMALL BUSINESS ASSISTANCE SOURCES Top There are many SBA programs you can apply for. For more complete information, write to the Small Business Administration, 1441 "L" St. NW Room 602 Washington, DC. 20416. Or Call (716) 282- 4612 or (202) 482-3261. They can provide you with information on obtaining Grant Money For: $ $ $ $ $ $ $ $ $ $ $ Women's Enterprises Technical Assistants to Small Businesses Investors in Rental Apartment Buildings Who are in Financial Trouble For Doing Business in Low Economic Areas Small Business Research Investors, Builders or Developers of Rental Housing for the Elderly Training to Help Small Business Managers Operate Their Businesses Indian-Owned Businesses Minority-Owned Businesses, with awards from $ 10,000 to $5 million. Low-to-Moderate Income Housing (these are low % loans) from $1,000 to $70,000 and many more If any phone numbers are incorrect, please call (area code) 555-1212 and request new listing SMALL BUSINESS DEVELOPMENT CENTERS Small Business Development Centers (SBDCs) could be the best deal the government has to offer to entrepreneurs and inventors, and a lot of people don't even know about them! Where else in the world can you have access to a $150 an hour consultant for free? There are over 700 of these offices all over the country and they offer free (or very low cost) consulting services on most aspects of business including: - how to get financing - how to write a business plan and more. There are Small Business Development Center centers in all States. Starting with: Top Alabama Funding Source: Office of State Director Alabama Small Business Development Consortium University of Alabama at Birmingham 1717 11th Ave. S., Suite 419 Birmingham, AL 35294-7645 205-934-7260 Fax: 205-934-7645 Auburn University Small Business Development Center 108 College of Business Auburn, AL 36849-5243 334-844-4220 Fax: 334-844-4268 University of Alabama at Birmingham Small Business Development Center 160111th Ave. S. Birmingham, AL 35294-2180 205-934.6760 Fax- 205-934-0538 Alabama Small Business Procurement System University of Alabama at Birmingham Small Business Development Center 1717 11th Ave. S., Suite 419 Birmingham, AL 35294-4410 205-934-7260 Fax: 205-934-7645 University of North Alabama Small Business Development Center P.O. Box 5248 Keller Hall, School of Business Florence, AL 35632-0001 205-760-4629 Fax: 205-760-4813 North East Alabama Regional Small Business Development Center Alabama A&M University and University of Alabama in Huntsville 225 Church St., NW Huntsville, AL 35804-0168 205-535-2061 Fax: 205-535-2050 Jacksonville State University Small Business Development Center 114 Merrill Hall Jacksonville, AL 36265 205-782-5271 Fax: 205-782-5179 Livingston University Small Business Development Center 212 Wallace Hall Livingston, AL 35470 205-652-9661, ext. 439 Fax: 205-652-9318 Matanuska-Susitna Borough Small Business Development Center 1801 Parks Highway, #C-18 Wasilla, AK 99654 907-373-7232 Fax : 907-373-2560 Kenai Peninsula Small Business Development Center 110 S. Willow St., Suite 106 Kenai, AK 99611-7744 907-283-3335 Fax : 907-283-3716 Cochise College Small Business Development Center 901 N. Colombo, Room 411 Sierra Vista, AZ 85635 602-459-9778 Fax: 602-459-9737 1-800-966-7943, ext. 778 Eastern Arizona College Small Business Development Center 622 College Ave. Thatcher, AZ 85552-0769 602-428-8590 fax: 602-428-8462 Arizona Funding Source: Arizona Small Business Development Center 9215 N. Black Canyon Highway Phoenix, AZ 85021 602-943-9818 Fax: 602-943-3716 Coconino County Community College Small Business Development Center 3000 N. 4th St., Suite 25 Flagstaff, AZ 86004 520-526-5072 Fax: 520-526-8693 1-800-350-7122 Northland Pioneer College Small Business Development Center P.O. Box 610 Holbrook, AZ 86025 520-537-2976 Fax: 520-524-2227 Mojave Community College Small Business Development Center 1971 Jagerson Ave. Kingman, AZ 86401 520-757-0894 Fax : 520-787-0836 Rio Salado Community College Small Business Development Center 301 West Roosevelt, Suite B Phoenix, AZ 85003 602-238-9603 Fax: 602-340-1627 Gateway Community College Small Business Development Center 108 N. 40th St. Phoenix, AZ 85034 602-392-5223 Fax: 602-392-5329 Yavapal College Small Business Development Center 117 E. Gurley St., Suite 206 Prescott, AZ 86301 602-778-3088 Fax: 602-778-3109 Pima Community College Small Business Development Center 4M3 E. Broadway, Suite 101 Ticsoil, AZ 85709-1260 602-748-4906 Fax: 602-748-4585 Arizona Western College Small Business Development Center 281 W. 24th St. 1152 Century Plaza Yuma, AZ 85364 520-341-1650 Fax : 520-726-2636 Arkansas Funding Sources Arkansas Small Business Development Center University of Arkansas at Little Rock Little Rock Technology Center Building 100 S. Main, Suite 401 Little Rock. AR 72201 501-324-9043 Fax: 501-324-9049 Henderson State University Small Business Development Center P.O. Box 7624 Arkadelphia, AR. 71923 501-230-5224 Fax: 501-230-5236 University of Arkansas at Fayetteville Snall Business Development Center College of Business - BA 117 Fayetteville. AR 72701 501-575-5148 Fax: 501-575-4013 Arkansas State University Small Business Development Center P.O. Box 1403 Jonesboro, AR 72467 501-932-3957 Fax::501-932-0135 Genesis Technology Incubator Small Business Development Center University of Arkansas Engineering Research Center Fayetteville, AR 72701-1201 501-575-7446 Fax: 501-575-7446 W. Arkansas Regional Office-SBDC 1109S. 16111 St. P.O. Box 2067 Fort Smith, AR 72901 501-78.5-1376 Fax: 501-785-1964 NW Arkansas Regional Office-SBDC 818 Highway 62-65-412 N. P.O. Box 190 Harrison, AR 72601 501-741-8009 Fax: 501-741-1905 W. Central Arkansas Regional Office-SBDC 835 Central Ave., Box 402-D Hot Springs, AR 71901 501-624-5448 Fax: 501-624-6632 NE Arkansas Regional Office-SBDC 100 S. Main. Suite 401 Little Rock, AR 72201 501-324-9043 Fax: 501-324-9079 SW Arkansas Regional Office-SBDC 600 Bessie, P.O. Box 767 Magnolia, AR 71753 501-234-4030 Fax: 501-234-0135 SE Arkansas Regional Office-SBDC Enterprise Center III 400 Main, Suite 117 Pine Bluff, AR 71601 501-536-0654 Fax: 501-536-7713 Arkansas State University-SBDC Drawer 1650 State University, AR 72467 501-972-3517 Fax: 501-972-3868 Stuttgart Regional Office-SBDC 301 S. Grand, Suite 101 P.O. Box 289 Stuttgart, AR 72160 501-671-8707. Fax : 501-673-8707 California Funding Sources: California Small Business Development Center California Department of Commerce Office of Small Business 801 K St., Suite 1700 Sacramento, CA 95814 916-322-3502 Fax: 916-322-5084 Central Coast Small Business Assistance Center 6500 Sequel Dr. Aptos, CA 95003 408-479-6136 Fax: 408-479-6166 Sierra College Sinai] Business Development Center 560 Wall St., Suite J Auburn, CA 95603 916-885-5488 Fax: 916-823-4142 Weill Institute Small Business Development Center 1330 22nd St., Suite B Bakersfield, CA 93301 805-322-5881 Fax: 805-322-5663 Butte College Tri-County Small Business Development Center 260 Cohasset Ave., Suite A Chico, CA 95926 916-895-9017 Fax: 916-895-9099 Southwestern College Small Business Development Center and International Trade Center 900 Otay Lakes Rd., Bldg. 1600 Chula Vista, CA 91910 619-482-6393 Fax: 619-482-6402 Satellite Operation Small Business Development Center Hilltop Professional Ctr. Suite 205, Box 4550 Clearlake, CA 95422-4550 707-996-3440 Fax: 707-995-3605 North Coast Small Business Development Center 207 Price Mall Crescent Cily, CA 95531 707-464-2168 Fax: 707-445-9652 North Coast Satellite Center 529 E. St. Eureka. CA 95501 707-465-6008 Fax: 707-445-9652 Central California Small Business 1999 Tuolumine St., Suite 650 Fresno, CA 93721 209-275-1223 Fax: 209-275-1499 Gavilan College Small Business Development Center 7436 Monterey St Gilroy, CA 95020 408-847-0373 Fax: 408-847-0393 Accelerate Technology Small Business Development Center Graduate School of Management Room 230, University of California Irvine, CA 92717-3125 714-509-2990 Fax: 714-509-2997 Greater San Diego Chamber of Commerce Small Business Development Center 4275 Executive Square, Suite 920 La Jolla, CA 92037 619-453-9388 Fax: 611-450-1997 Export Small Business Development Center of Southern California 110 E. 9th. Suite 669 Los Angeles, CA 90079 213-892-1111 Fax: 213-892-8232 Satellite Operation Small Business Development Center 1632 N. St. Merced, CA 95340 209-385-7312 Fax: 209-383-4959 Valley Sierra Small Business Development Center 1012 11th St., Suite 300 Modesto, CA 95354 209-521-6177 Fax: 209-521-9373 Napa Valley College Small Business Development Center 1556 First St., Suite 103 Napa. CA 94559 707-253-3210 Fax: 707-253-3068 East Bay Small Business Development Center 519 17th St., Suite 210 Oakland, CA 94612 510-893-4114 Fax: 510-893-5532 Satellite Operation Small Business Development Center 300 Esplanade Dr., Suite 1010 Oxnard, CA 93030 805-981-4633 Fax: 805-988-1862 Eastern Los Angeles County Small Business Development Center 363 Main St., Suite 101 Pomona, CA 91766 909-629-2247 Fax: 909-629-8310 Inland Empire Small Business Development Center 2002 Iowa Ave., Suite 1 10 Riverside, CA 92507 909-781-2345 Fax: 909-781-2345 Greater Sacramento Small Business Development Center 1410 Ethan Way Sacramento, CA 95815 916-563-3210 Fax: 916-563-3264 Northern Los Angeles Small Business Development Center 14540 Victory Blvd., Suite #206 Van Nuys, CA91411 818-373-7092 Fax: 818-373-7740 Fort Lewis College Small Business Development Center Miller Student Center, Room 108 Durango, CO 81301 970-247-9634 Fax: 970-247-7620 Satellite Operation Central California Small Business Development Center 430 W. Caldwell, Suite D Visalia, CA 93277 209-625-3051/3052 Fax: 209-625-3053 Morgan Community College Small Business Development Center 300 Main St. Fort Morgan, CO 80701 970-867-3351 Fax: 970-867-3352 Colorado Silicon Valley - San Mateo County Small Business Development Center III N. Market St., #150 San Jose, CA 95113 408-298-7694 Fax: 408-971-0680 San Mateo County Satellite Center Bayshore Corporate Center 1730 S. Amphlett Blvd., Suite 208 San Mateo, CA 94402 415-358-0271 Fax: 415-358-9450 Rancho Santiago Small Business Development Center 901 East Santa Ana Blvd., Suite 101 Santa Ana, CA 92701 714-647-1172 Fax: 714-835-9008 Redwood Empire Small Business Development Center 520 Mendocino Ave., Suite 210 Santa Rosa, CA 95401 707-524-1770 Fax: 707-524-1772 San Joaquin Delta College Small Business Development Center 814 N. Hunter Stockton, CA 95202 209-474-5089 Fax: 209-474-5605 Solano County Small Business Development Center 320 Campus Lane Suisun, CA 94585 707-864-3382 Fax: 707-864-3386 Southwest Los Angeles County Small Business Development Center 21221 Western Ave., Suite 110 Torrance, CA 90501 310-782-6466 Fax: 310-782-8607 Centers: Colorado Small Business Development Ctr. Office of Economic Development 1625 Broadway, Suite 1710 Denver, CO 80202 303-892-3809 Fax: 303-892-3848 Adams State College Small Business Development Center Alamosa, CO 81102 719-589-7372 Fax: 719-589-7522 Canon City (Satellite) 402 Valley Rd. Canon City, CO 81212 719-275-5335 Fax: 719-275-4400 Pikes Peak Community College/ Colorado Springs Chamber of Commerce Small Business Development Center P.O. Drawer B Colorado Springs, CO 80901-3002 303-471-4836 Fax: 303-635-1571 Colorado Northwestern Community College Small Business Development Center 50 College Dr. Craig, CO 81625 970-824-7078 Fax: 970-824-3527 Delta Montrose Vocational School Small Business Development Center 1765 U.S. Highway 50 Delta, CO 81416 970-874-8772 Fax: 970-874-8796 Community College of Denver/ Denver Chamber of Commerce Small Business Development Center 1445 Market St. Denver, CO 80202 303-620-8076 Fax: 303-534-3200 Mesa State College Small Business Development Center 304 W. Main St. Grand Junction, CO 81505-1606 970-243-5242 Fax: 970-241-0771 Aims Community College/Greeley and Weld Chamber of Commerce Small Business Development Center 902 7th Ave. Greeley, CO 80631 970-352-3661 Fax: 970-352-3572 Red Rocks Community College Small Business Development Center 777 S. Wadsworth Blvd. Lakewood CO 80226 303-987-0710 Fax: 303-987-1331 Lamar Community College Small Business Development Center 2400 S. Main Lamar, CO 81052 719-336-8141 Fax: 719-336-2448 Arapaho Community College/ South Metro Chamber of Commerce Small Business Development Center 7901 S. Park Plaza, Suite 110 Littleton, CO 80120 303-795-5855 Fax: 303-795-7520 Pueblo Community College Small Business Development Center 900 West Orman Ave. Plitblo, CO 81004 719-549-3224 fax: 719-546-2413 SMton (Satellite) P.O. Box 28 SUittoi, CO 80836 719-348-5596 Fax: 719-348-5887 TminM State Junior College Small Business Development Center 136 W. Main St. Trilidad, CO 81082 719-846-5645 Fax: 719-846-4550 Front Range Community College Small Business Development Center 3M5 West 112th Ave. Westminster, CO 80030 303-460-1032 Connecticut Funding Source: Connecticut Small Business Development Center University of Connecticut School of Business Administration 2 Bourn Place, U-94 Storrs, CT 06269 806-486-4135, Fax: 806-486-1576 Business Regional B.C. Small Business Development Center 10 Middle Stä 14th Floor Bridgeport, CT 06604-4229 203-330-4813 FK: 203-366-0105 Qnmebaiig Valley Community College Small Business Development Center 742 Upper Maple St. Danielson, CT 06239-1440 203-774-1133 Fax: 203-774-7768 University of Connecticut/MBA Small Business Development Center 1800 Asylum Ave. West Hartford, CT 06117 860-241-4986 Fax: 860-241-4907 University of Connecticut Small Business Development Center Administration Building, Room 300 1084 Shennecossett Rd. Groton, CT 06340-6097 860-449-1188 Fax: 860-445-3415 Middlesex County Chamber of Commerce Small Business Development Center 393 Main St. Middictown, CT 06457 860-344-2158 Fax: 860-346-1043 Greater New Haven Chamber of Commerce Small Business Development Center 195 Church St. New Haven, CT 06510-2009 203-782-4390 ext. 190 Fax: 203-787-6730 Southwestern Area Commerce and Industry Association (SACIA) Small Business Development Center One Landmark Square Stamford, CT 06901 203-359-3220 ext. 302 Fax: 203-967-8294 Greater Waterbury Chamber of Commerce Small Business Development Center 101 Main St. Waterbury, CT 06706-1042 203-757-8937 Fax: 203-756-9077 Marshall Heights Community Development Org. 3917 Minnesota Ave. ME Washington, DC 20019 202-396-1200 Eastern Connecticut State University Small Business Development Center 83 Windham St. Willmantic, CT 06226-2295 960-456-5349 Fax: 960-456-5670 Ward Five Community Development Corp.SBDC 901 Newton St. ME, Suite 103 Washington, DC 20017 202-396-4106 Fax: 202-396-4106 Delaware Florida Funding Source: Delaware Small Business Development Center University of Delaware Pumell Hall, Suite 005 Newark, DE 19716 302-831-1555 Fax: 302-831-1423 Funding Source: Sussex County Department of Economic Development PO Box 610 Georgetown, DE 19947 302-856-1555 Fax: 302-856-5779 Delaware State University 1200 N. Dupont Highway Dover, DE 19801 302-678-1555 Fax: 302-739-2333 Small Business Resource & Information Center 1318 N. Market St. Wilmington, DE 19801 302-571-1555 District of Columbia Funding Source: District of Columbia Small Business Development Center Howard University 6th and Fairnont St., NW, Room 128 Washington, DC 20059 202-806-1550 Fax: 202-806-1777 Small Business Clinic 720 20th St., NW Washington, DC 20052 202-994-7463 Fax: 202-994-4946 Office of Latino Affairs 2000 14th St. NW, 2nd Floor Washington, DC 20009 202-396-1200 George Washington University 3101 MLK Jr. Ave. SE, 3rd Floor Washington, DC 20010 202-561-4975 ext. 3006 Florida Small Business Development Center Network University of West Florida Downtown Center 19 W. Garden St., Suite 300 Pensacola, FL 32501 904-444-2060 Fax: 904-444-2070 Seminole Community College Small Business Development Center Seminole Chamber of Commerce P.O. Box 150784 AltaMonte Springs FL 32715-0784 407-834-4404 Florida Atlantic University Small Business Development Center Building T-9 P.O. Box 3091 Boca Raton, FL 33431 407-362-5620 Fax: 407-362-5623 Brevard Community College Small Business Development Center 1519 Clearlake Rd. Cocoa, FL 32922 407-951-1060, ext. 2045 Small Business Development Center 46 SW 1st Ave. Dania, FL 33304 305-987-0100 Small Business Development Center Florida Atlantic University Commercial Campus 1515 West Commercial Blvd., Room II Fort Lauderdale, FL 33309 954-771-6520 Fax: 954-776-6645 Indian River Community College Small Business Development Center 3209 Virginia Ave., Room 114 Fort Pierce, FL 34981-5599 407-462-4796 Fax: 407-462-4796 University of South Florida Small Business Development Center Sabal Hall, Rooms 219 and 220 8099 College Parkway SW Fort Myers, FL 33919 941.489-9200 Fax: 941-489-9051 University of West Florida Fort Walton Beach Center Small Business Development Center 1170 Martin Luther King, Jr. Blvd. Fort Walton Beach, FL 32547 904-863-6543 Fax: 904-863-6564 Small Business Development Center 505 NW 2nd Ave., Suite D P.O. Box 2518 Gainesville, FL 32601 352-377-5621 Fax: 352-372-4132 University of North Florida Small Business Development Center College of Business 4567 St. John's Bluff Rd., S. Jacksonville, FL 32216 904-646-2476 Fax: 904-646-2594 Gulf Coast Community College Small Business Development Center 2500 Minnesota Ave. Lynn Haven, FL 32444 904-271-1108 Fax: 904-271-1109 Florida International University Small Business Development Center Trailer MOI, Tamiami Campus Miami, FL 33199 305-348-2272 Small Business Development Center 600 N. Broadway, Suite 300 Bartow, FL 33830 941-534-4370 Fax: 941-533-1247 Daytona Beach Community CollegeùSBDC 1200 W. International Speedway Blvd. Daytona Beach, FL 32114 904-947-3141 Fax: 904-254-4465 Minority Business Development Center 5950 W. Oakland Park Blvd., Suite 307 Fort Lauderdale, FL 33313 954-485-5333 Fax: 954-485-2514 Florida Gulf Coast University The Midway Ctr. 17595 Tamiami Tr., Suite 200 Fort Myers, FL 33908 941-590-1053 Miami Dade Community College-SBDC 6300 NW 7th Ave. Miami, FL 33150 305-237-1906 Fax: 305-237-1908 Seminole Community College-SBDC 100 Weldon Blvd., Bidg. R Sanford, FL 32707 407-328-4755 ext. 3341 Fax: 407-330.4489 Small Business Development Center 110 East Silver Springs Blvd. P.O. Box 1210 Ocala, FL 32670 352-629-8051 University of Central Florida Small Business Development Center P.O. Box 161530 Orlando, FL 32816-1530 407-823-5554 Fax: 407-823-3073 University of West Florida Small Business Development Center Building 8, 11000 University Parkway Pensacola, FL 32514 904-474-2908 Fax: 904-474-2126 Florida A & M University Small Business Development Center 1157 Tennessee St. Tallahassee, FL 32308 904-599-3407 Fax: 904-561-2395 University of South Florida Small Business Development Center College of Business Administration 4202 Minnesota Ave., BSN 3403 Tampa, FL 32444 813-974-4274 Small Business Development Center Prospect Place, Suite 123 3111 S. Dixie Highway West Palm Beach, FL 33405 407-837-5311 Georaia Funding Source: Georgia Small Business Development Center University of Georgia Chicopee Complex 1180 East Broad St. Athens, GA 30602 706-542-6762 Fax: 706-542-6776 Small Business Development Center Southwest Georgia District Business and Technology Center 230 S. Jackson St., 3rd Floor, Suite 333 Albany, GA 31701-2885 912-430-4303 Fax: 912-430-3933 Small Business Development Center University of Georgia Chinnnftfi Cninniex 1180 East Broad St. Athens, GA 30602-5412 706-542-7436 Fax: 706-542-6823 Morris Brown College Small Business Development Center 643 Martin Luther King Jr. Dr., NW Atlanta, GA 30314 404-220-0205 Fax: 404-688-5985 Georgia State University Small Business Development Center Box 874, University Plaza Atlanta, CA 30303-3083 706-651-3550 Fax: 706-651-1035 Small Business Development Center 1061 Katherine St. Augusta. GA 30904-6105 706-737-1790 Fax: 706-731-7937 Small Business Development Center 1107 Fountain Lake Dr. Brunswick, GA 31525-3039 912-264-7343 Fax: 912-262-3095 Small Business Development Center 928 45th St. North Bldg., Room 523 Columbus, CA 31904-6572 706-649-7433 Fax: 706-649-1928 DeKalb Chamber of Commerce Small Business Development Center 750 Commerce Dr. Decatur, GA 30030-2622 404-378-8000 Fax: 404-378-3397 Small Business Development Center 500 Jesse Jewel Parkway, Suite 304 Gainesville, GA 30501 706-531-5681 Fax: 706-531-5684 Small Business Development Center P.O. Box 13212 401 Cherry St., Suite 701 Macon, GA 31208-3212 912-751-6592 Fax: 912-751-6607 Kennesaw State College Small Business Development Center 1000 Chastian Rd. Kennesaw, GA 30144-5591 770-423-6450 Fax: 770-423-6564 Clayton State College Small Business Development Center P.O. Box 285 Morrow, GA 30260 404-961-3440 Fax: 404-961-3428 Floyd College Small Business Development Center P.O. Box 1664 Rome, OA 30162-1864 404-295-6326 FK: 404-295-6732 Small Business Development Center 450 Mall Blvd., Suite H Savannah, GA 31406-4824 912-356-2755 Fax: 912-353-3033 Small Business Development Center 3255 S. Main St. Statesboro, GA 30460 912-681-5194 Fax: 912-681-0648 Small Business Development Center Valdosta Area Office Baytree West Professional Offices Suite 9, Baytree Rd. Valdosta, GA 31602-2782 912-245-3738 Fax; 912-245-3741 Middle Georgia Technical Institute Small Business Development Center 151 Osigian Blvd. Wamer Robins, OA 31088 912-953-9356 Hawaii Funding Sources: Hawaii Small Business Development Center University of Hawaii at Hilo 200 W. Kawili St. Hilo, HI 96720-4091 808-933-3515 Fax: 808-933-3683 Small Business Development Center Kauai Kanai Community College 3-1901 Kaumualii Highway Lihue, HI 96766-9591 808-246-1748 Fax: 808-245-5102 Small Business Development Center Maui Maui Research and Technology Center 590 Lipoa Parkway Kihei, HI 96753 808-875-2402 Small Business Development Center Oahu Business Action Center 130 N. Merchant St., Suite 1030 Honolulu, HI 96813 808-522-8131 Fax:808-522-8135 Idaho Funding Sources: Idaho Small Business Development Boise State University College of Business 1910 University Dr. Boise, ID 83725 208-385-1640 Fax: 208-385-3877 Idaho State University Small Business Development Center 2300 N. Yellowstone Idaho Falls, ID 83401 208-523-1087 Fax: 208-523-1049 Lewis-dark State College Small Business Development Center 500 8th Ave. Lewiston, ID 83501 208-799-2465 Fax: 208-799-2831 Boise Satellite Office Small Business Development Center Boise State University 305 E. Park St., Suite 405 McCall, ID 83638 208-634-2883 Idaho State University Small Business Development Center 1651 Alvin Ricken Dr. Pocatello, ID 83201 208-232-4921 Fax: 208-233-0268 North Idaho College Small Business Development Center 525 W. Clearwater Loop Post Falls, ID 83854 208-769-3296 Fax: 208-769-3223 College of Southern Idaho Small Business Development Center Region IV 315 Falls Ave. Twin Falls, ID 83303 208-733-9554, ext. 2477 Fax: 208-733-9316 Illinois Funding Sources: Illinois Small Business Development Center Network Dept. of Commerce and Community Affairs 620 East Adams St., 3rd Floor Springfield, IL 62701 217-524-5856 Fax: 217-785-6328 Southern Illinois University/Carbondale Small Business Development Center Carbondale, IL 62901-6702 618-536-2424 Fax: 618-453-5040 Waubonsee Community College/ Aurora Campus Small Business Development Center 5 East Galena Blvd. Aurora, IL 60506 708-892-3334, ext. 139 Fax: 708-892-3374 Kaskaskia College (Satellite) Small Business Development Center 2710 College Rd. Centralia, IL 62801 618-532-2049 Fax: 618-532-4983 Back of the Yards Neighborhood Council (Sub-Center) Small Business Development Center 1751 West 47th St. Chicago, IL 60609 312-523-4419 Fax: 312-254-3525 Greater North Pulaski Economic Development Corp. Small Business Development Center 4054 West North Ave. Chicago, IL 60639 312-384-2262 Fax: 312-384-3850 Women's Business Development Center Small Business Development Center 8 S. Michigan, Suite 400 Chicago, IL 60603 312-853-3477 Fax: 312-853-0145 Olive-Harvey College Small Business Development Center 10001 S. Woodlawn Dr. Chicago, IL 60628 312-468-8700 Fax: 312-468-8086 Industrial Council of NW Chicago Small Business Development Center 2023 West Carroll Chicago, IL 60612 312-421-3941 Fax: 312-421-1871 Latin American Chamber of Commerce Small Business Development Center 539 N. Kedzie, Suite II Chicago, IL 60647 312-252-5211 Fax: 312-252-7065 Eighteenth Street Development Corp. Small Business Development Center 1839 S. Carpenter Chicago, IL 60608 312-733-2287 Fax: 312-733-7315 Loop Small Business Development Center DCCA, State of Illinois Ctr 100 West Randolph, Suite 3-400 Chicago, IL 60601 312-814-6111 Fax: 312-814-2807 McHenry County College Small Business Development Center 8900 U.S. Highway 14 Crystal Lake, IL 60012-2761 815-455-6098 Fax:815-455-9319 Rend Lake College Small Business Development Center Route #l Ina, IL 62846 618-437-5321, ext. 335 Fax: 618-437-5677 Rock Valley College Small Business Development Center 1220 Rock St. Rockford, IL 61102 815-968-4087 Fax: 815-968-4157 Danville Area Community College Small Business Development Center 28 West North St. Danville, IL 61832 217-442-7232 Fax: 217-442-6228 Joliet Junior College Small Business Development Center Renaissance Center Room 319, 214 N. Ottawa St. Joliet, IL 60431 815-727-6544, ext. 1313 Fax: 815-722-1895 Lincoln Land Community College Small Business Development Center 200 West Washington Springfield, IL 62701 217-789-1017 Fax: 217-789-0958 Small Business Development Center 985 W. Pershing Rd., Suite F 305 East Locust Decatur, IL 62526 217-875-8284 Fax: 217-875-8289 Sauk Valley College Small Business Development Center 173 Illinois Route #2 Dixon, IL 61021-9110 815-288-5511 Fax: 815-288-5958 Southern Illinois University/Edwardsville Small Business Development Center Campus Box 1107 Edwardsville, IL 62026 618-692-2929 Fax: 618-692-2647 Elgin Community College Small Business Development Center 1700 Spartan Dr. Elgin, IL 60123 847-888-7675 Fax: 847-888-799S Kankakee Community College Small Business Development Center 101 S. Schuyler Ave. Kankakee, IL 60901 815-933-0376 Fax: 815-933-0380 Western Illinois University Small Business Development Center 114 Seal Hall Macomb, IL 61455 309-298-2211 Fax: 309-298-2520 Black Hawk College Small Business Development Center 30142nd Ave East Moline, IL 61244 309-75S-2200 ext. 211 Fax: 309-755-9847 Maple City Business and Technology (Satellite) Small Business Development Center 620 S. Main St. Monmouth, IL 61462 309-734-4664 Fax: 309-734-8579 Evanston Business and Technology Center Small Business Development Center 1840 Oak Ave. Evanston, IL 60201 847-866-1817 Fax: 847-866-1808 Illinois Valley Community College Small Business Development Center Building II, Route I Oglesby, IL 61348 815-223-1740 Fax: 815-224-3033 College of DuPage Small Business Development Center 22nd and Lambert Rd. Glen Ellyn, IL 60137 708-942-2600 Fax: 708-942-3789 Illinois Eastern Community College Small Business Development Center 401 East Main St. Olney, IL 62450 618-395-3011 Fax: 618-395-1922 College of Lake County Small Business Development Center 19351 West Washington St. Grayslake, IL 60030 708-223-3633 Fax: 708-223-9371 Moraine Valley College Small Business Development Center 10900 S. 88th Ave. Palos Hills, IL 60465 708-974-5468 Fax: 708-974-0078 Southeastern Illinois College (Satellite) 303 S. Commercial Harrisburg, IL 62946-2125 618-252-5001 Fax: 618-252-0210 Bradley University Small Business Development Center 141 N. Jobst Hall, 1st Floor Peoria, IL 61625 309-677-2992 Fax: 309-677-3386 East St. Louis DCCA, State Office Building 10 Collinsville East St. Louis, IL 62201 618-583-2272 Fax: 618-588-2274 Sliawnee College (Satellite) Small Business Development Center Shawnee College Rd. 618-634-9618 Fax: 618-634-9028 Governor's State University Small Business Development C University Park, IL 60466 708-534-4929 Indiana Funding Source: Indiana Small Business Development Economic Development Council One N. Capitol, Suite 420 Indianapolis, IN 46204 317-264-687] Fax: 317-264-3102 Greater Bloomington Chamber of Comma Small Business Development Center 116 W. 6th St. Bloomington, IN 47404 812-339-8937 Fax: 812-336-0651 Columbus Enterprise Development Center,Inc. Small Business Development Center 4920 N. Warren Dr. Columbus, IN 47203 812-372-6480 Fax: 812-372-0228 Evansville chamber of Commerce Small Business Development Center 100 NW Second St., Suite 200 Evansville, IN 47708 812-425-7232 Northeast Indiana Business Assistance Corporation Small Business Development Center 1830 Wayne Terrace Fort Wayne, IN 46803 219-426-0040 Fax: 219-424-0024 Hoosier Valley Economic Opportunity Corporation Small Business Development Center 1613 E. 8th St. Jeffersonville, IN 47130 812-288-6451 Fax: 812-284-8314 Indiana University Small Business Development Center 342 Senate Ave. Indianapolis, IN 46204 317-261-3030 Fax: 317-261-3053 Kokomo-Howard County Chamber of Commerce Small Business Development Center 106 N. Washington Kokomo, IN 46901 317-457-5301 Fax: 317-452-4564 Greater Lafayette Progress, Inc. Small Business Development Centers 122 N. Third Lafayette, IN 47901 317-742-2394 Fax: 317-742-6276 Bates Office of Economic Development 132 S. Main Batesville, IN 47006 812-933-6110 Bedford Chamber of Commerce -SBDC 1116 W. 16th St. Bedford, IN 47421 812-275-4493 Clay County Chamber of Commerce-SBDC Twelve N. Walnut St. Braxil, IN 47834 812-448-8457 Clinton Chamber of Commerce-SBDC 292 N. Ninth St. Clinton, IN 47842 812-832-3844 Chamber of Commerce-SBDC 112 N. Main St. Columbia City, IN 46725 219-248-8131 Connersville SBDC 504 Central Connersville, IN 47331 317-825-8328 Madison Area Chamber of Commerce Small Business Development Center 301 East Main St. Madison, IN 47250 812-265-3127 Fax: 812-265-2923 Harrison County Development Center The Hairison Center 405 N. Capitol, Suite 308 Coiydon,IN47112 812-738-8811 Muncie-Delaware County Chamber Small Business Development Center 401 S. High St. Muncie, IN 47308 317-284-8144 Fax: 317-741-5489 Montgomery County Chamber of Commerce-SBDC 211 S. Washington St. Crawfordsville, IN 47933 317-654-5507 Northwest Indiana Forum, Inc. Small Business Development Center 6100 Southport Rd. Portage, IN 46368 219-762-1696 Fax: 219-942-5806 Chamber of Commerce-SBDC 125 E. Monroe St. Decatur, IN 46733 319-724-2604 Richmond Area Chamber of Commerce Small Business Development Center 33 S. 7th St. Richmond, IN 47374 317-962-2887 Fax: 317-966-0882 South Bend Chamber of Commerce Small Business Development Center 300 N. Michigan St. South Bend, IN 46601 219-282-4350 Fax: 219-282-4344 Indiana State University Small Business Development Ctr. School of Business Terre Haute, IN 47809 812-237-7676 Fax: 812-237-7675 City of Delphi Community Development SBDC 20 S. Union Delphi, IN 46923 317-564-6692 Elkhart Chamber of Commerce-SBDC 421 S. Second St. Elkhart, IN 46515 219-522-5453 Elwood Chamber of Commerce-SBDC 108 S. Anderson St. Elwood, IN 46063 317-552-0180 Clinton County Chamber of Commerce SBDC 207 S. Main St. Frankfort, IN 46041 317-654-5507 Northlake Small Business Development Center Firth Avenue Mall 487 Broadway, Suite 201 Gary, IN 46402 219-882-2000 Greencastle Partnership Ctr.-SBDC Two S. Jackson St. Greencastle, IN 46135 317-653-4517 Greensburg Area Chamber of Commerce SBDC 125 W. Main St. Greensburg, IN 47240 812-663-2832 Hammond Development Corp.-SBDC 649 Conkey St. Hammond, IN 46324 219;853-6399 Blackford County Economic Development SBDC P.O. Box 43 Hartford, IN 47348 317-348-4944 Indiana Region 15 Planning Commission SBDC 511 Fourth St. Huntingburg, IN 47542 812-683-5699 812-683-4647 Kendallville Chamber of Commerce Small Business Development Center 228 S. Main St. Kendallville, IN 46755 219-347-1554 LaPorte Small Business Development Center 414 Lincoln way LaPorte, IN 46350 219-326-7232 Dearborn County Chamber of Commerce Small Business Development Center 213 Hads Parkway Lawrenceburg, IN 47025 812-537-0814 Fax: 812-537-0845 Union County Chamber of Commerce Small Business Development Center 102 N. Main St., #6 Liberty, IN 47353-1039 317-458-5976 First Citizens Band SBDC 515 N. Franklin Square Michigan City, IN 46360 319-874-9245 137 Lynn Ave. Ames, IA 50010 515-292-6351 Fax: 515-292-0020 Mitchell Chamber of Commerce Small Business Development Center First National Bank Main St. Mitchell, IN 47446 812-849-4441 White County Chamber of Commerce-SBDC P.O. Box 1031 Monticello, IN 47960 219-583-6557 Mt. Vernon Chamber of Commerce-SBDC 405 E. Fourth St. Mt. Vernon, IN 47602 812-838-3639 East Central Indiana Regional SBDC 401 S. High St. Muncie, IN 47308 317-284-8144 Fax: 317-741-5489 Brown County Chamber of Commerce SBDC P.O. Box 164 Nashville, IN 47448 812-988-6647 Floyd County Private Industry Council Workforce Development Center Small Business Development Center 3303 Plaza Dr., Suite 2 New Albany, IN 47150 812-945-2643 Jennings County Chamber of Commerce SBDC P.O. Box 340 North Vernon, IN 47265 812-346-2339 Private Industry Council Workforce, Orange County 326 B. N. Gospel Paoli, IN 47464 812-723-4206 Peru Area Chamber of Commerce Small Business Development Center Two N. Broadway, Suite 202 Peru, IN 46970 317-472-1923 Jay County Development Corp.-SBDC 121 W. Main St., Suite A Portland, IN 47371 219-726-9311 Park County Economic Development-SBDC P.O. Box 296 Rockville, IN 47872 317-569-0226 Rushville Chamber of Commeree-SBDC P.O. Box 156 Rushville, IN 47173 317-932-2222 Seymour Chamber of Commerce-SBDC P.O. Box 43 Seymour, IN 47274 812-522-3681 Sullivan Chamber of Commerce-SBDC Ten S. Court St. Sullivan, IN 47882 812-268-4836 Tell City Chamber of Commerce-SBDC Regional Federal Bldg. 645 Main St. Tell City, IN 47586 812-547-2385 Fax: 812-547-8378 Tipton County Economic Development Corp. SBDC 136 East Jefferson Tipton, IN 46072 317-675-7300 Porter County SBDC 911 Wall St. Valparaiso, IN 46383 219-477-5256 Vevay/Switzerland County Foundation SBDC P.O. Box 193 Vevay, IN 47043 812-427-2533 Vincennes University-SBDC P.O. Box 887 Vincennes, IN 47591 812-885-5749 Wabash Area Chamber of Commerce-SBDC 67 S. Wabash Wabash, IN 46922 219-563-1168 Washington, Davies County SBDC One Train Depot St. Washington. IN 47501 812-254-5262 Fax: 812-254-2550 Purdue University SBDC Business & Industrial Development Center 1220 Potter Dr. West Layfayette, IN 47906 317-494-5858 Randolph County Economic Dev. Foundation-SBDC III S. Main St. Winchester, IN 47394 317-584-3266 Iowa Funding Source: Iowa Small Business Development Iowa State University College of Business Administration Chamblynn Building ISU Small Business Development Center ISU Audubon Branch Circle West Incubator P.O. Box 204 Audubon, IA 50025 712-563-2623 Fax: 712-563-2301 University of Northern Iowa Small Business Development Center Suite 5, Business Building Cedar Falls, IA 50614-0120 319-273-2696 Fax: 319-273-6830 Iowa Western Community College Small Business Development Center 2700 College Rd., Box 4C Council Bluffs, IA 51502 712-325-3260 Fax: 712-325-3408 Southwestern Community College Small Business Development Center 1501 West Townline Creston, IA 50801 515-782-4161 Fax: 515-782-4164 Eastern Iowa Community College District Small Business Development Center 304 West Second St. Davenport, IA 52801 319-322-4499 Fax: 319-322-8241 Drake University Small Business Development Center Drake Business Center 2401 University Des Moines, IA 50311-4505 515-271-2655 Fax: 515-271-4540 Dubuque Area Chamber of Commerce Northeast Iowa Small Business Development 770 Town Clock Plaza Dubuque, IA 52001 319-588-3350 Fax: 319-557-1591 University of Iowa Oakdale Campus Small Business Development Center 108 Pappajohn Business Adm. Bldg. Suite S-160 Iowa City, IA 52242-1000 319-335-3742 Fax: 319-335-2445 Kirkwood Community College Small Business Development Center 2901 Tenth Ave. Marion, IA 52302 319-377-8256 Fax: 319-377-5667 Kansas State University Small Business Development Center 2323 Anderson Ave., Suite 100 Manhattan, KS 66502-2947 913-532-5529 Fax: 913-532-5827 North Iowa Area Community College Small Business Development Center 500 College Dr. Mason City, IA 50401 515-421-4342 Fax: 515-423-0931 Cloud County Community College Small Business Development Center 2221 Campus Dr. P.O. Box 1002 Concordia, KS 66901 913-243-1435 Fax: 913-243-1459 Indian Hills Community College Small Business Development Center 525 Grandview Ave. Ottumwa, IA 52501 515-683-5127 Fax: 515-683-5263 Dodge City Community College Small Business Development Center 2501 N. 14th Ave. Dodge City, KS 67801 316-227-9247, ext. 247 Fax: 316-227-9200 Western Iowa Tech Community College Small Business Development Center 4647 Stone Ave., Bldg. B, Box 265 Sioux City, IA 51102-0265 712-274-6418 Fax: 712-274-6429 Emporia State University Small Business Development Center 207 Cremer Hall Emporia, KS 66801 316-342-7162 Fax: 316-341-5418 Iowa Lakes Community College Small Business Development Center Gateway Center Highway 71 N. Spencer, IA 51301 712-262-4213 Fax: 712-262-4047 Fort Scott Community College Small Business Development Center 2108 S Horton Fort Scott, KS 66701 316-223-2700 Fax: 316-223-6530 Southeastern Community College Small Business Development Center Drawer F West Burlington, IA 52655 319-752-2731, ext. 103 Kansas Funding Source: Kansas Small Business Development Cte Wichita State University 1845 Fail-mount Wichita, KS 67260-0148 316-689.3193 Butler County Community College Small Business Development Center 600 Walnut Augusta, KS 67010 316-775-1124 Neosho County Community College Small Business Development Center 1000 S Alien Chanute, KS 66720 316-431-2820, ext 219 Fax: 316-431-0082 Garden City Community College Small Business Development Center 801 Campus Dr. Garden City, KS 67846 316-276-9632 Fax: 316-276-9630 Fort Hays State University Small Business Development Center 1301 Pine St. Hays, KS 67601 913-628-5340 Fax: 913-628-1471 Hutchinson Community College Small Business Development Center 815 N. Walnut, #225 Hutchinson, KS 67501 316-665-4950 Fax: 316-665-8354 Ottawa University Small Business Development Center College Ave., Box 70 Ottawa, KS 66067 913-242-5200, ext. 5457 Fax: 913-242-7429 Johnson County Community College Small Business Development Center CEC Building, Room 223 Overland Park, KS 66210-1299 913-469-3878 Fax: 913-469-4415 Labette Community College Small Business Development Center 200 S. 14th Parsons, KS 67357 316-421-6700 Fax: 316-421-0921 Pittsburg State University Small Business Development Center Shirk Hall Pittsburg, KS 66762 316-235-4920 Fax: 316-232-6440 Pratt Community College Small Business Development Center Highway 61 Pratt, KS 67124 316-672-5641 Fax: 316-672-5288 KSU-Salina College of Technology Small Business Development Center 2409 Scanlan Ave. Salina, KS 67401 913-826-2622, Fax: 913-826-2936 Washburn University Small Business Development Center 101 Henderson Learning Center Topeka, KS 66621 913-231-1010, ext. 1305 Fax: 913-231-1063 Kentucky Independence Community College Small Business Development Center College Ave. and Brookside, Box 708 Independence, KS 67301 316-331-4100 Fax: 316-331-5344 Coffeyville Community College Small Business Development Center 11th and Willow Sts. Coffeyville, KS 67337-5064 316-252-7007 Fax: 316-252-7098 Allen County Community College T.B.D. Small Business Development Center 1801 N. Cottonwood Iola, KS 66749 316-365-5116 Fax: 316-365-3284 Colby Community College Small Business Development Center 1255 S. Range Colby, KS 67701 913-462-3984, ext. 239 Fax: 913-462-8315 Seward County Community College Small Business Development Center 1801 N. Kansas Liberal, KS 67905 316-624-1951, ext. 150 Fax: 316-624-0637 Funding Resource: Kentucky Small Business Development Ctr. University of Kentucky Center for Business Development College of Business and Economics 225 Business and Economics Building Lexington, KY 40506-0034 606-257-7668 Fax: 606-258-1907 McNeese State University Small Business Development Center College of Business Administration Lake Charles, LA 70609 318-475-5529 Fax: 318-475-5012 Ashland Small Business Development Center Boyd-Greenup County Chamber of Commerce Building P.O. Box 830 20715th St. Ashland, KY 41105-0830 606-329-8011 Fax: 606-325-4607 Western Kentucky University Bowling Green Small Business Development Center 245 Grise Hall Bowling Green, KY 42101 502-745-2901 Fax: 502-745-2902 Southeast Community College Small Business Development Center Room 113, Chrisman Hall Cumberland, KY 40823 606-589-4514 Fax: 606-589-4941 Elizabethtown Small Business Development Center 238 West Dixie Ave. Elizabethtown, KY 42701 502-765-6737 Fax: 502-769-5095 Northern Kentucky University North Kentucky Small Business Development Center BEP Center, Room 468 Highland Heights, KY 41099-0506 606-572-6524 Fax: 606-572-5566 Hopkinsville Small Business Development Center 300 Hammond Dr. Hopkinsville, KY 42240 502-886-8666 Fax: 502-886-3211 University of Kentucky Small Business Development Center College of Business and Economics c/o Downtown Public Library 140 Main St. Lexington, KY 40507 606-257-7666 Fax: 606-257-1751 Bellarmine College Small Business Development Center School of Business 2001 Newburg Rd. Louisville, KY 40205-0671 502-452-8282 Fax: 502-452-8288 University of Louisville Small Business Development Center Center for Entrepreneurship and Technology Room 122, Burhans Hall Louisville, KY 40292 502-588-7854 Fax: 502-588-8573 Morehead State University Small Business Development Center 207 Downing Hall Morehead, KY 40351 606-783-2895 Pax: 606-783-5023 Murray State University West Kentucky Small Business Development Center College of Business and Public Affairs Murray, KY 42071 502-762-2856 Fax: 502-762-3049 Owensboro Small Business Development Center 3860 U.S. Highway 60 West Owensboro, KY 42301 502-926-8085 Fax: 502-684-0714 Pikeville Small Business Development Center 222 Hatcher Court Pikeville, KY 41501 606-432-5848 Fax: 606-432-8924 Eastern Kentucky University Small Business Development Center 107 West Mt. Vernon St. Somerset, KY 42501 606-678-5520 Louisiana Funding Resource: Louisiana Small Business Development Center Northeast Louisiana University Adm. 2-57 Monroe, LA 71209 318-342-5506 Fax: 318-342-5510 Small Business Development Center 934 3rd St., Suite 510 Alexandria,, LA 71301 318-484-2123 Fax: 318-484-2126 Capital Small Business Development Center 1933 Wooddale Blvd. Suite E Baton Rouge, LA 70806 504-922-0998 Fax: 504-922-0999 Southeastern Louisiana University Small Business Development Center Box 522, SLU Station Hammond, LA 70402 504-549-3831 Northeast Louisiana University College of Business Administration Monroe, LA 71209 318-342-1215 Fax: 318-342-1209 Northwestern State University Small Business Development Center College of Business Administration Natchitoches, LA 71497 318-357-5611 Fax: 318-357-6810 University of New Orleans Small Business Development Center LA International Trade 2 Canal St., Suite 2926 New Orleans, LA 70130 504-568-8222 Fax: 504-568-8228 Loyola University Small Business Development Center Box 134 New Orleans, LA 70118 504-865-3496 Fax: 504-865-3347 Southern University Small Business Development Center College of Business Administration New Orleans, LA 70126 504-286-5308 Fax: 504-286-5131 University of New Orleans Small Business Development Center Lakefront Campus College of Business Administration New Orleans, LA 70148 504-539-9292 Fax: 504-539-9205 Louisiana Tech University Small Business Development Center Box 10318, Tech Station Ruston, LA 71271-0046 318-257-3537 Fax: 318-257-4253 Louisiana State University at Shreveport Small Business Development Center College of Business Administration I University Place Shreveport, LA 71115 318-797-5144 Fax: 318-797-5208 Nicholls State University P.O. Box 2015 Thibodaux, LA 70310 504-448-4242 Fax- 504-448-4922 Maryland University of Southwestern Louisiana Arcadiana Small Business Development Ctr. Box 43732 Lafayette, LA 70504 318-262-5344 Fax: 318-262-5296 Carroll County Economic Development Small Business Development Center 125 N. Court St., Room 103 Westminster, MD 21157 410-857-8166 Fax: 410-848-0003 Maine Maine Small Business Development Center University of Southern Maine 96 Falmouth St., P.O. Box 9300 Portland, ME 04101 207-780-4420 Fax: 207-780-4810 Harford County Economic Development Office Small Business Development Center 220 S. Main St. Bel Air, MD 21014 410-893-3837 Fax: 410-879-8043 Androscoggin Valley Council of Governments (AVCOG) Small Business Development Center 125 Manley Rd. Aubum, ME 04210 207-783-9186 Fax: 207-780-4810 Manufacturing and Technology Small Business Development Center Dingman Center for Entrepreneurship College of Business and Management University of Maryland College Park, MD 20742-1815 301-405-2144 Fax: 301-314-9152 Eastern Maine Development Corporation Small Business Development Center P.O. Box 2579 Bangor, ME 04402-2579 207-942-6389 Fax: 207-942-3548 Howard County Economic Development Office Small Business Development Center 6751 Gateway Dr., Suite 500 Columbia, MD 21043 410-313-6552 Fax: 410-313-6556 Northern Maine Regional Planning Commission Small Business Development Center P.O. Box 779 2 Main St. Caribou, ME 04736 207-498-8736 Fax: 207-493-3108 Western Region Small Business Development Center 3 Commerce Dr. Cumberland, MD 21502 301-724-6716 Fax: 301-777-7504 Southern Maine 'Regional Planning Commission Small Business Development Center Box Q 255 Main St. Sanford, ME 04073 207-324-0316 Fax: 207-324-2958 Coastal Enterprises, Inc. Small Business Development Center Water St., Box 268 Wiscasset, ME 04578 207-882-4340 Fax: 207-882-4456 Maryland Funding Source: Small Business Development Center 1420 N. Charles St., Room 142 Baltimore, MD 21202 410-837-4141 Fax: 410-837-4151 Anne Arundel Office of Economic Development Small Business Development Center 2660 Riva Rd., Suite 200 Annapolis, MD 21401 410-224-4205 Fax: 410-222-7415 Business Resource Center Small Business Development Center 217 E. Redwood St., 10th Floor Baltimore, MD 21202 410-333-6552 Fax: 410-333-4460 Cecil Community College Eastern Region SBDC 135 E. Main St. Elkton, MD 21921 410-392-0597 Fax: 410-392-6225 Arundel Center N Small Business Development Center 101 Grain Highway NW, Room HOB Glen Bumie, MD 21601 410-766-1910 Fax: 410-766-1911 Suburban Washington Small Business Development Center 1400 McCormick Dr., Suite 282 Landover, MD 20785 301-883-6491 Fax: 301-883-6479 Eastern Shore Small Business Development Center Subcenter Salisbury State University Power Professional Bldg. Suite 400 Salisbury, MD 21801 410-546-4325 Fax: 410-548-5389 Baltimore County Chamber of Commerce Small Business Development Center 102 W. Pennsylvania Ave., Suite 402 Towson, MD 21204 410-832-5866 Fax: 410-821-9901 Massachusetts Funding Source: Massachusetts Small Business Development Center University of Massachusetts 205 School of Management Amherst, MA 01003 413-545-6301 Fax: 413-545-1273 University of Massachusetts at Amherst Minority Business Assistance Center 250 Stuart St., 5th Floor Boston, MA 02125-3393 617-287-7725 Fax: 617-287-7725 Boston College Metropolitan Regional Small Business Development Center 96 College Rd. - Rahner House Chestnut Hill, MA 02167 617-552-4091 Fax: 617-552-2730 Boston College Capital Formation Service/East Small Business Development Center 96 College Rd. - Rahner House Chestnut Hill, MA 02167 617-552-4091 Fax: 617-552-2730 University of Massachusetts at Dartmouth Southeastern Massachusetts Regional Small Business Development Center 200 Pocasset St. P.O. Box 2785 Fall River, MA 02722 508-673-9783 Fax: 508-674-1929 Salem State College North Shore Regional Small Business Development Center 197 Essex St. Salem, MA 01970 508-741-6343 Fax: 508-741-6345 University of Massachusetts Western Massachusetts Regional Small Business Development Center 101 State St., Suite #424 Springfield, MA 01103 413-737-6712 Fax: 413-737-2312 Dark University Central Massachusetts Regional Small Business Development Center 950 Main St., Dana Commons Worcester, MA 01610 508-793-7615 Fur sns-701-sson Macomb County Business Assistance Network 115 S. Groesbeck Hwy. Mt. Clemens, MI 48043 810.469-5118 Fax: 810-469-6787 Michigan Funding Resource: Michigan Small Business Development Center 2727 Second Ave. Detroit, MI 48201 313-964-1798 Fax: 313-964-3648 Ottawa County Economic Development Office, Inc. Small Business Development Center 6676 Lake Michigan Dr. P.O. Box 539 Allendale, MI 49401-0539 616-892-4120 Fax: 616-895-6670 Merra Specialty Business Development Center Small Business Development Center 2200 Commonwealth, Suite 230 Ann Arbor, MI 48106-1485 313-769-4110 Fax: 313-769-4064 Huron County Economic Development Corporation (Satellite) Small Business Development Center Huron County Building, Room 303 Bad Axe, MI 48413 517-269-6431 Fax: 517-269-7221 Wayne State University Small Business Development Center School of Business Administration 2727 Second Ave. Detroit, MI 48201 313-577-4850 Fax: 313-577-8933 1st Step, Inc. Small Business Development Center 241514th Ave., S. Escanaba, MI 49829 906-786-9234 Fax: 906-786-4442 Genesee Economic Area Revitalization, Inc. (Satellite) Small Business Development Center 711 N. Saginaw St., Suite 123 Flint, MI 48503 810-239-5847 Fax: 810-239-5575 Grand Rapids Community College Small Business Development Center Applied Technology Center 151 Fountain ME Grand Rapids, MI 49503 616-771-0571 Fax: 616-458-3768 Kellogg Community College Small Business Development Center 34 W. Jackson, Suite A Battle Creek, MI 49017 616-962-4076 Oceana Economic Development Corporation (Satellite) Small Business Development Center P.O. Box 168, 100 State St. Hart, MI 49420-0168 616-873-7141 Fax: 616-873-5914 Lake Michigan College Small Business Development Center Corporate and Community Services 2755 E. Napier Benton Harbor, MI 49022 616-927-8179 Fax: 616-927-8103 Michigan Technological University Small Business Development Center Bureau of Industrial Development 1400 Townsend Dr. Houghton, MI 49931 906-487-2470 Fax: 906-487-2858 Ferns State University Small Business Development Center 330 Oak St., W115 Big Rapids, MI 49307 616-592-3553 Fax: 616-592-3539 Kalamazoo College Small Business Development Center Stryker Center for Management Studies 1327 Academy St. Kalamazoo, MI 49006-3200 616-337-7350 Fax: 616-337-7415 Tuscola County Economic Development Corporation Small Business Development Center 194 N. State, Suite 200 Caro, MI 48723 517-673-2849 Fax: 517-673-2517 Lansing Community College Small Business Development Center P.O. Box 40010, 333 N. Washington Sq. Lansing, MI 48901-7210 517-483-1921 Fax: 517-483-1675 NILAC-Marygrove College Small Business Development Center 8425 West McNichols Detroit, MI 48221 313-945-2159 Fax: 313-864-6670 Lapeer Development Corporation (Satellite) 449 McConnick Dr. Lapeer, MI 48446 313-667-0080 Fax: 313-667-3541 Central Michigan University Small Business Development Center 256 Applied Business Studies Complex Mt. Pleasant, MI 48859 517-774-3270 Fax: 517-774-7992 Muskegon Economic Growth Alliance Small Business Development Center 230 Terrace Plaza P.O. Box 1087 Muskegon, MI 49443-1087 616-722-3751 Fax: 616-728-7251 Sanilac County Economic Growth (Satellite) 175 East Aitken Rd. Peck, MI 48466 313-648-4311 Fax: 313-648-4617 St. Claire County Community College Small Business Development Center 800 Military St., Suite 320 Port Huron, MI 48060 810-982-9511 Fax: 810-982-9531 Saginaw Future) Inc. Small Business Development Center 301 East Genesee, Third Floor Saginaw, MI 48607 517-754-8222 Fax: 517-754-1715 Saginaw Valley State University (Satellite Business and Industrial Development 7400 Bay Rd. University Center, MI 481 517-790-4388 Fax: 517-790-4983 West Shore Community College (Satellite) Business and Industrial Development 3000 N. Stiles Rd., P.O. Box 277 Scottville, MI 49454-0277 616-845-6211 Fax: 616-845-0207 Montcalm Community College (Satellite) 2800 College Dr. SW Sidney, MI 48885 517-328-2111 Fax: 517-328-2950 Sterling Heights Area Chamber of Commerce (Satellite) 12900 Hall Rd., Suite 110 Sterling Heights, MI 48313 810-731-5400 Fax: 810-731-3521 Small Business Development Center Hennepin Technical College 1820 N. Xenium Lane Plymouth, MN 55441 612-550-7218 Fax: 612-550-7272 Northwestern Michigan College Center for Business and Industry 1701 East Front St. Traverse City, MI 49686 616-922-1720 Fax: 616-922-1722 Travers Bay Economic Development Corporation Traverse City Small Business Development Center 202 E. Grandview Parkway Traverse City, MI 49684 616-947-5075 Fax: 616-946-2565 Greater Northwest Regional CDC 2200 Dendrinos Dr., P.O. Box 506 Traverse City, MI 49685-0506 616-929-5000 Walsh/O.C.C. Business Enteiprise Development Center 1301 W. Long Lanke, Suite 150 Troy, MI 48098 810-952-5800 Fax: 810-952-1875 Minnesota Funding Source: Minnesota Small Business Development Center Department of Trade and Economic Development 500 Metro Square 1217th Place E. St. Paul, MN 55101-2146 612-297-5770 Fax: 612-296-1290 Customized Training Center Small Business Development Center Bemidji Technical College 905 Grant Ave., SE Bemidji, MN 56601 218-755-4286 Fax: 218-755-4289 Nonnandale Community College Small Business Development Center 9700 France Ave. S. Bloomington, MN 55431 612-832-6560 Fax: 612-832-6352 Brainerd Technical College Small Business Development Center 300 Quince St. Brainerd, MN 56401 218-828-5302 Fax: 218-828-5321 University of Minnesota at Duluth Small Business Development Center 10 University Dr., 150 SBE Duluth, MN 55812 218-726-8758 Fax: 218-726-6338 Itasca Development Corporation Grand Rapids Small Business Development Center 19 ME Third St. Grand Rapids, MN 55744 218-327-2241 Fax: 218-327-2242 Hibbing Community College Small Business Development Center 1515 East 25th St. Hibbing, MN 55746 218-262-6703 Fax: 218-262-6717 Small Business Development Center Rainy River Community College 1501 Hwy 71 International Falls, MN 56649 218-285-2255 Fax: 218-285-2239 Mankato State University Small Business Development Center P.O. Box 3367 410 Jackson St. Mankato, MN 56001 507-387-5643 Fax: 507-387-7105 Sonthwest State University Small Business Development Center ST *105 Marshall, MN 56258 507-537-7386 Fax: 507-537-6094 Pottery Bus. & Tech. Ctr. Small Business Development Center 2000 Pottery Place Dr., Suite 339 Red Wing, MN 55066 612-388-4079 Fax: 612-385-2251 Rochester Community College Small Business Development Center 851 30th Ave, , SE Rochester, MN 55904 507-285-7536 Fax: 507-280-5502 Dakota County Technical Institute Small Business Development Center 1300145th St. East Rosemount, MN 55068 612-423-8262 Fax: 612-322-5156 Small Business Development Center SE Minnesota Development Corp. Ill W. Jessie St. Rushford, MN 55971 507-864-7557 Fax: 507-864-2091 St. Cloud State University Small Business Development Center Business Resource Center 41912nd St. S St. Cloud, MN 56301-3761 612-255-4842 Fax: 612-255-4957 Minnesota Project Innovation Small Business Development Center Suite 100, III Third Ave. S. Minneapolis, MN 55401 612-338-3280 Fax: 612-338-3483 Minnesota Technology Inc. Small Business Development Center Olcott Plaza 820 N. 9th St. Virginia, MN 55792 218-741-4251 Fax: 218-741-4249 Small Business Development Center University of St. Thomas 1000 LaSalle Ave., Suite MPLIOO Minneapolis, MN 55403 612-962-4500 Fax: 612-962-4410 Wadena Technical College Small Business Development Center 222 Second St., SE Wadena, MN 56482 218-631-1502 Fax: 218-631-2396 Moorhead State University Small Business Development Center 1104 7th Ave.S MSU Box 303 Moorhead, MN 56563 218-226-2289 Fax: 218-236-2280 North/East Metro Technical College Small Business Development Center 3300 Century Ave. N, Suite 200D White Bear Lake, MN 55110-1894 612-779-5764 Fax: 612-779-5802 Mississippi Small Business Development Center Owatonna Incubator, Inc. P.O. Box 505 560 Dunnell Dr., Suite #203 Owatonna, MN 55060 507-451-0517 Fax: 507-455-2788 Funding Resource: Mississippi Small Business Development Center University of Mississippi Old Chemistry Building, Suite 216 University, MS 38677 601-232-5001 Fax: 601-232-5650 Pine Technical College Small Business Development Center 1100 4th St. Pine City, MN 55063 612-629-7340 Fax: 612-629-7603 Northeast Mississippi Community College Small Business Development Cunningham Blvd. Holliday Hall, 2nd Floor Booneville, MS 38829 601-728-7751 Fax: 601-728-1165 Delta State University Small Business Development Center P.O. Box 3235 DSU Cleveland, MS 38733 601-846-4236 Fax: 601-846-4235 East Central Community College Small Business Development Center P.O. Box 129 Decatur, MS 39327 601-635-2111 Fax: 601-635-2150 Jones Jr College Small Business Development Center 900 Court St. Ellisville, MS 39437 601-477-4165 Fax: 601-477-4152 Mississippi Gulf Coast Community College Small Business Development Jackson County Campus P.O. Box 100 Gautier, MS 39553 601-497-9595 Fax: 601-497-9604 Delta Community College Small Business Development Center P.O. Box 5607 Greenville, MS 38704-5607 601-378-8183 Fax: 601-378-5349 MS Contract Procurement Center Small Business Development Center 301512th St. P.O. Box 610 Gulfport, MS 39502-0610 601-864-2961 Fax: 601-864-2969 Pearl River Community College Small Business Development Center 5448 U.S. Highway 49 S. Hattiesburg, MS 39401 601-544-0030 Fax: 601-544-0032 Mississippi Valley State University Small Business Development Center MS Valley State University ltta Bena, MS 38941 601-254-3601 Fax: 601-254-6704 Jackson State University Small Business Development Center Suite Al, Jackson Enterprise Center 931 Highway 80 West Jackson, MS 39204 601-968-2795 Fax: 601-968-2796 Jackson County Extension Center University of Southern Mississippi Small Business Development Center 136 Beach Park Place Long Beach, MS 39560 601-865-4578 Fax: 601-865-4581 Alcom State University SBDC P.O. Box 90 Lorman, MS 39095-9402 601-877-6684 Fax: 601-877-6266 Meridian Community College Small Business Development Center 910 Highway 19 N. Meridian, MS 39307 601-482-7445 Fax: 601-482-5803 Mississippi State University Small Business Development Center P.O. Drawer 5288 Mississippi State, MS 39762 601-325-8684 Fax: 601-325-4016 Copiah-Lincoln Community College Small Business Development Center 823 Hwy. 61 N. Natehez, MS 39120 601-445-5254 Fax: 601-445-5254 Hinds Community College Small Business Development Center International Trade Center P.O. Box 1170 Raymond, MS 39154 601-857-3537 Fax: 601-857-3535 Holmes Community College Small Business Development Center 412 West Ridgeland Ave. Ridgeland, MS 39159 601-853-0827 Fax: 601-853-0844 Northwest MS Comm. College Small Business Development Center Desoto Center 8700 Northwest Dr. Southaven, MS 38671 601-342-7648 Fax: 601-342-7648 Southwest MS Comm. College Small Business Development Center College Dr. Summit, MS 39666 601-276-3890 Fax: 601-276-3867 Itawamba Community College Small Business Development Ctr 653 Eason Blvd. Tupelo, MS 38801 601-680-8515 Fax: 601-842-6885 Missouri Funding Source: Missouri Small Business Development University of Missouri Suite 300, University Place Columbia, MO 65211 573-882-0344 Fax: 573-884-4297 Camden County Extension Center Small Business Development Center 113 Kansas P.O. Box 1405 Camdenton, MO 65020 573-346-2644 Fax: 573-346-2694 Southwest Missouri State University Small Business Development Center 222 N. Pacific Cape Girardeau, MO 63701 573-290-5965 Fax: 573-290-5005 Small Business Development Center Chillicothe City Hall 715 Washington St. Chillicothe, MO 64601 816-646-6920 Fax: 816-646-6811 St. Louis County Extension Center Small Business Development Center 121 S Meramac, Suite 501 Clayton, MO 63105 314-889-2911 Fax: 314-854-6147 Boone County Extension Center Small Business Development Center 1012 N. Hwy UU Columbia, MO 65203 573-445-9792 Fax: 573-445-9807 University of Missouri at Columbia Small Business Development Center 1800 University Place Columbia, MO 65211 573-882-3597 Fax: 573-884-4297 Hannibal Satellite Center Small Business Development Center Hannibal, MO 63401 816-385-6550 Fax: 816-385-6568 Jefferson County Extension Center Small Business Development Center Courthouse, #203 725 Maple St., P.O. Box 497 Hillsboro, MO 63050 573-789-5391 Fax: 573-789-5059 Center for Technology Transfer and Economic Development University of Missouri at Rolla Room 104, Nagogami Terrace Rolla, MO 65401-0249 314-341-4559 Fax: 314-341-6495 Small Business Development Center 1507 S. Noland Rd. Independence, MO 64055-1307 816-252-5051 Fax: 816-252-5575 Cape Girardeau County Extension Center Small Business Development P.O. Box 408 815 Highway 25S Jackson, MO 63755 573-243-3581 ext. 283 Fax: 573-243-1606 Cole County Extension Center Small Business Development Center 2436 Tanner Bridge Rd. Jefferson City, MO 65101 573-634-2824 Fax: 573-634-5463 Missouri Southern State College Small Business Development Center 107 Mathews Hall, 3950 Newman Rd. Joplin, MO 64801-1595 417-625-9313 Fax: 417-926-4588 Rockhurst College Small Business Development Center 1100 Rockhurst Rd. Kansas City, MO 64110-2599 816-926-4572 Fax: 816-926-4646 Three Rivers Community College Small Business Development Center Business Incubator Bidg. 3019 Fair St. Poplar Bluff, MO 63901 314-686-3499 Fax: 314-686-5467 Washington County 102 N. Missouri Potosi, MO 63664 573-438-2671 MO Enterprise Bus. Assistance Center 800 W 14th St., Suite III Rolla, MO 65401 573-364-8570 Fax: 573-341-6495 St. Louis County Extension Center 207 Marillac, UMSL 8001 Natural Bridge Rd. St. Louis, MO 63121 31'ò-553-5944 MO PAC-Eastern Region 975 Hornet Dr., Bldg. 279 Wing B St. Louis, MO 63042 314-731-3533 Northeast Missouri State University Small Business Development Center 207 East Patterson Kirksville, MO 63501-4419 816-785-4307 Fax: 816-785-4181 Montana Thomas Hill Enterprise Center Small Business Development Center P.O. Box 246 Macon, MO 63552 816-385-6550 Fax: 816-385-6568 Northwest Missouri State University Small Business Development Center 127 S. Buchanan Maryville, MO 64468 816-562-1701 Fax: 816-562-1900 Audrain County Extension Center Small Business Development Center 101 N. Jefferson 4th Floor Courthouse Mexico, MO 65265 573-581-3231 Fax: 573-581-3232 Randolph County Extension Center Small Business Development Center 417 E. Urbandale Moberly, MO 65270 816-263-3534 Fax: 816-263-1874 Small Business Development Center Mineral Area College P.O. Box 1000 Park Hills, MO 63601-1000 314-431-4593 Fax: 314-431-2144 Three Rivers Community College Small Business Development Center Business Incubator Building 3019 Fair St. Poplar Bluff, MO 63901 314-686-3499 Fax: 314-686-5467 Washington County Extension Center Small Business Development Center 102 N. Missouri Potosi, MO 63664 314-438-2671 Fax: 314-438-2079 MO Enterprise Business Assistance Center Small Business Development Center 800 W. 14th St., Suite III Rolla, MO 65401 314-364-8570 Fax: 314-364-6323 Phelps County Extension Center Small Business Development Center Courthouse 200 N. Main P.O. Box 725 Rolla, MO 65401 314-364-3147 Fax: 314-364-0436 Pettis County Extension Center Small Business Development Center 1012 A Thompson Blvd. Sedalia, MO 65301 816-827-0591 Fax: 816-826-8599 Southwest Missouri State University Small Business Development Center Center for Business Research 901 S. National Springfield, MO 65804-5685 417-836-5685 Fax: 417-836-6337 St. Louis County Extension Center 207 Marillac, UMSL 8001 Natural. Bridge Rd St. Louis, MO 63121 314-533-5944 Fax: 314-977-7241 St. Louis University Small Business Development Center 3750 Lindell Blvd. St. Louis, MO 63108 314-534-7232 Fax: 314-534-7023 St. Charles County Extension Center Small Business Development Center 260 Brown Rd. St. Peters, MO 63376 314-970-3000 Fax: 314-970-3000 Franklin County Extension Center Small Business Development Center 414 E. Main P.O. Box 71 Union, MO 63084 573-583-5141 Fax: 573-583-5145 Central Missouri State Center for Technology Grinstead #75 Warrensburg, MO 64093-5037 816-543-4402 Fax: 816-747-1653 Howell County Extension Center Small Business Development Center 217 S. Aid Ave. West Plains, MO 65775 417-256-2391 Fax- 417-256-8569 Funding Sources: Funding Sources: Montana Small Business Development Center Department of Commerce 1424 Ninth Ave. Helena, MT 59620 406-444-4780 Fax: 406-444-1872 Billings Area Business Incubator Small Business Development Center 115 N. Broadway, 2nd Floor Billings, MT 59101 406-256-6875 Fax: 406-256-6877 Bozeman Human Resources Development Council Small Business Development Center 321 E. Main, Suite 413 Bozeman, MT 59715 406-587-3113 Fax: 406-587-9565 Butte REDI Small Business Development Center 305 W. Mercury St., Suite 211 Butte, MT 59701 406-782-7333 Fax- 406-782-9675 Haver Small Business Development Center Bear Paw Development Corporation P.O. Box 1549 Haver, MT 59501 406-265-9226 Fax: 406-265-3777 Flathead Valley Community College Small Business Development Center 777 Grandview Dr. Kalispell, MT 59901 406-756-8333 Fax: 406-786-3815 Missoula Incubator Small Business Development Center 127 N. Higgins, 3rd Floor Missoula, MT 59802 406-278-9234 Fax: 406-721-4584 Sidney Small Business Development Center 123 W. Main Sidney, MT 59270 406-482-5024 Fax: 406-482-5306 Great Falls SBDC High Plains Dev. Authority 710 First Ave. N Great Falls, MT 59403 406-454-1934 Fax: 406-454-2995 Nebraska Keene State College Funding Sources: Nebraska Small Business Development Center Omaha Business and Tech. Ctr. 2505 N. 24th St., Suite 101 Omaha, NE 68110 402-595-3511 Nevada Small Business Development University of Nevada at Reno College of Business Administration Room 411, Business Bldg. Reno, NV 89577-0100 702-784-1717 Fax: 702-784-4337 Chadron State College Small Business Development Center Administration Building Chadron, NE 69337 308-432-6282 Fax: 308-432-6430 Great Basin College Small Business Development Center 1500 College Pkwy. Elko, NV 89801 702-753-2245 Fax: 702-753-2242 University of Nebraska at Keamey Small Business Development Center Welch Hall 19th and College Dr. Keamey, NE 68849-3035 308-865-8344 Fax: 308-865-8153 University of Nevada at Las Vegas Small Business Development Center College of Business and Economics Box 456011 Las Vegas, NV 89154-0611 702-895-0852 Fax: 702-895-4095 University of Nebraska at Lincoln Small Business Development Center Comhusker Bank Bidg. 11th and Comhusker Hwy., Suite 302 Lincoln, NE 68521 402-472-3358 Fax: 402-482-0328 Carson City Chamber of Commerce-SBDC 1900 S. Carson St., MOO Carson City, NV 89701 702-882-1565 Fax: 702-882-4179 Mid-Plains Community College Small Business Development Center 416 N. Jeffers, Room 26 North Platte, NE 69101 308-534-5115 Fax: 308-534-5117 University of Nebraska at Omaha Small Business Development Center Peter Keiwit Conference Center 1313 Farnam, Suite 132 Omaha, ME 68182-0248 402-595-2381 Fax: 402-595-2385 Peru State College Small Business Development Center TJ. Majors Building, Room 248 Peru, ME 68421 402-872-2274 Fax: 402-872-2422 Small Business Development Center Nebraska Public Power Building 1721 Broadway, Room 408 Scottsbluff, NE 69361 308-635-7513 Fax: 308-635-6596 Wayne State College Small Business Development Center Garner Hall, III Main St. Wayne, NE 68787 402-375-7575 Fax: 402-375-7574 Nevada Incline Village Crystal Bay Chamber of Commerce SBDC 969 Tahoe Blvd. Incline Village, NV 89451 702-831-4440 Fax: 702-832-1605 X Foreign Trade Zone Office SBDC III GrierDr. Las Vegas, NV 89119 702-896-4496 Fax: 702-896-8351 Small Business Development Center 19 W. Fourth St. North Las Vegas, NV 89030 702-399-6300 Fax: 702-399-6301 Tri-County Development Authority Small Business Development Center P.O. Box 820 50 W. Fourth St. Winnemucca, NV 89446 702-623-5777 Fax: 702-623-5999 New Hampshire Funding Sources: New Hampshire Small Business Development Center University of New Hampshire 108 McConnell Hall Durham, NH 03824-3593 603-862-2200 Fax: 603-862-4876 Small Business Development Center Blake House Keene, NH 03431 603-358-2602 Fax: 603-358-2612 Small Business Development Center 120 Main St. Littleton, NH 03561 603-444-1053 Fax: 603-444-5463 Small Business Development Center 1000 Elm St., 14th Floor Manchester, NH 03101 603-634-2796 Fax: 603-634-2449 Plymouth State College Small Business Development Center Hyde Hall Plymouth, NH 03264 603-535-2523 Fax: 603-535-2611 Center for Economic Development Small Business Development Center I Indian Head Plaza Nashua, NH 03060 603-886-1233 Fax: 603-598-1164 First National Bank of Portsmouth Small Business Development Center One 3rd St., Suite 2 Dover, NH 03820 603-749-4264 Micro Enterprise Assistance Program Small Business Development Center Portsmouth City Hall, Room 325 P.O. Box 628 Portsmouth, NH 03802-0628 603-431-2006 Fax: 603-427-1526 New Jersey Funding Sources: New Jersey Small Business Development Center Rutgers Graduate School of Management University Heights 180 University Ave. Newark, NJ 07102 201.648-5950 Fax: 201.648.1110 Small Business Development Center Greater Atlantic City Chamber of Commerce 1301 Atlantic Ave. Atlantic City, NJ 08401 609-345-5600 Fax: 609-345-4524 University of New Mexico at Los Alamos Rutgers - The State University Of New Jersey at Camden Small Business Development Center Business and Science Building Second Floor Camden, NJ 08102 609-756-6221 Fax: 609-225-6231 Albuquerque Technical Vocational Institute Small Business Development Center 525 Buena Vista SE Albuquerque, NM 87106 505-224-4246 Fax: 505-224-4251 Brookdale Community College Small Business Development Center Newman Springs Rd. Lincroft, NJ 07738 908-842-1900 Fax: 908-842-0203 New Mexico State University at Carlsbad Small Business Development Center P.O. Box 1090 Carlsbad, NM 88220 505-887-6562 Fax: 505-885-0818 Rutgers - The State University of New Jersey at Camden Small Business Development Center University Heights 180 University Ave. 3rd Floor, Ackerson Hall Newark, NJ 07102 201-648-5950 Fax: 201-648-1110 Bergen Community College Small Business Development Center 400 Paramus Rd Paramus, NJ 07552 201-447-7841 Fax: 201-447-7495 Mercer County Community College Small Business Development Center P.O. Box B Trenton, NJ 08690 609-586-4800, ext. 469 Fax: 609-890-6338 Kean College of New Jersey Small Business Development Center East Campus, Room 242 Union, NJ 07083 908-527-2946 Fax: 908-527-2960 Warren County Community College Small Business Development Center Route 57 West, Box 55A Washington, NJ 07882-9605 908-689-9620 Fax: 908-689-7488 New Mexico Funding sources: New Mexico Small Business Development Santa Fe Community College P.O. Box 4187 Santa Fe, MM 87502-4187 505-438-1362 Fax: 505-438-1237 New Mexico State University at Alamogordo Small Business Development Center 1000 Madison Alamogordo, NM 87310 505-434-5272 Clovis Community College Small Business Development Center 417 Schepps Blvd Clovis, NM 88101 505-769-4136 Fax: 505-769-4190 Northern New Mexico Community College Small Business Development Center 1002 N. Onate St Espanola, NM 87532 505-747-2236 Fax: 505-747-2180 San Juan College Small Business Development Center 4601 College Blvd. Farmington, NM 87402 505-599-0528 University of New Mexico at Galiup Small Business Development Center P.O. Box 1395 Gallnp, NM 87305 505-722-2220 Fax: 505-863-6006 New Mexico State University at Grants Small Business Development Center 709 E. Roosevelt Ave Grants, NM 87020 505-287-8221 Fax: 505-287-2125 New Mexico Junior College Small Business Development Center 5317 Lovington Highway Hobbs, NM 88240 505-392-4510 Fax: 505-392-2526 Dona Ana Branch Community College Small Business Development Center Box 30001, Department 3DA Las Cruces, NM 88003-0001 505-527-7601 Fax: 505-527-7515 Luna Vocational Technical Institute Small Business Development Center Luna Camp P.O. Drawer K Las Vegas, NM 88701 505-454-2595 Fax: 505-454-2518 Small Business Development Center P.O. Box 715 9018th St., #18 Los Alamos, NM 87544 505-662-0001 Fax: 505-662-0099 University of New Mexico at Valencia Small Business Development Center 280 La Bntrada Los Lunas, NM 87031 505-866-5348 Fax: 505-865-3095 Eastern New Mexico University at Roswell Small Business Development Center P.O. Box 6000, 57 University Ave. Roswell, NM 88201-6000 505-624-7133 Fax: 505-624-7132 Santa Fe Community College Small Business Development Center S. Richards Ave. P.O. Box 4187 Santa Fe, NM 87502-4187 505-438-1343 Fax: 505-438-1237 Western New Mexico University Southwest Small Business Development Center P.O. Box 2672 Silver City, NM 88062 505-538-6320 Fax: 505-538-6341 Tucumcari Area Vocational School Small Business Development Center P.O. Box 1143 Tucumcari, NM 88401 505-461-4413 Fax: 505-461-1901 New York Funding Sources: New York Small Business Development Center State University of New York State University Plaza, S-523 Albany, NY 12246 518-443-5398 Fax: 518-465-4992 1-800-732-7232 Small Business Development Center 74 N. Main St Brockport, NY 14420 716-637-6660 Fax: 716-637-2102 SUNY Geneseo Small Business Development Center I College Circle Geneseo, NY 14454-1485 716-245-5429 Fax: 716-245-5430 Bronx Community College Small Business Development Center McCracken Hall, Room 14 West 181st St. and University Ave Bronx, NY 10453 718-563-3570 Fax: 718-563-3572 Geneva Outreach Center Small Business Development Center at Geneva 122 N. Genesee St Geneva, NY 14456 315-781-1253 Kingsborough Community College 2001 Oriental Blvd Bidg. Tr Room 4204 Brooklyn, NY 11235 718-368-4619 Fax: 718-368-4629 EOC Hempstead Outreach Center Small Business Development Center 269 Fulton Ave Hempstead, NY 11550 516-564-8672/1895 Fax: 516-481-4938 Downtown Outreach Center Small Business Development Center 395 Flatbush Ave. Brooklyn, NY 11201 718-260-9783 Fax: 718-260-9797 York College Small Business Development Center Science Building, Room 107 The City University of New York Jamaica, NY 11451 718-262-2880 Fax: 718-262-2881 State University College at Buffalo Small Business Development Center 1300 Elrnwood Ave., BA 117 Buffalo, NY 14222 716-878-4030 Fax: 716-878-4067 Cobleskill Outreach Center Small Business Development Center SUNY Cobleskill Wamer Hall, Room 218 Cobleskill, NY 12043 518-234-5528 Fax: 518-234-5272 Corning Community College Small Business Development Center 24 Denison Parkway West Corning, NY 14830 607-962-9461 Fax: 607-936-6642 Mercy College Outreach Ctr. Small Business Development Center 555 Broadway Dobbs Ferry, NY 10522-1189 914-674-7845 Fax: 914-693-4996 State University of New York at Albany (SUNY) Small Business Develonment Center Draper Hall, Room 107 135 Western Ave Albany, NY 12222 518-442-5577 Fax; 518-442-5582 State Univ. College of Technology at Fanningdale Small Business Development Center Campus Commons Faimingdale, MY 11735 516-420-2765 Fax: 516-293-5343 SUNY at Binghamton Small Business Development Center P.O. Box 6000 Binghamton, NY 13902-6000 607-777-4024 Fax: 607-777-4029 SUNY at Oswego Marist College Small Business Development Center Fishkill Extension Center 2600 Route 9, Unit 90 Fishkill, MY 12524-2001 914-897-2607 Fax: 914-897-4653 Jamestown Community College Small Business Development Center P.O. Box 20 Jamestown, NY 14702-0020 716-665-5754 1-800-522-7232 Fax: 716-665-6733 Kingston Small Business Development Center I Development Court Kingston, NY 12401 914-339-0025 Fax: 914-339-1631 Harlem Outreach Center Small Business Development Center 163 W. 125th St, Room 1307 New York, NY 10027 212-346-1900 Fax: 212-534-4576 East Harlem Outreach Center Small Business Development Center 145 E 116th St, 3rd Floor New York, NY 10029 212-534-2729/4526 Fax: 212-410-1359 Midtown Outreach Center Small Business Development Center Baruch College 360 Park Ave. S., Room 1101 New York NY 10010 212-802-6620 Fax: 212-802-6613 Pace University Small Business Development Center I Pace Plaza, Room W483 New York, MY 10038 212-346-1900 Fax: 212-346-1613 Small Business Development Center Operation Oswego County 44 W. Bridge St Oswego, NY 13126 315-343-1545 Fax: 31S-343-1546 Clinton Community College Small Business Development Center Lake Shore Rd, Suite 9 S. 136 Clinton Point Dr Plattsburgh, NY 12901 518-562-4260 Fax: 518-563-9759 Riverhead Outreach Center Small Business Development Center Suffolk County Community College Riverhead, NY 11901 516.369-1409/1507 Fax: 516-369-3255 Small Business Development Center-SUNY Brockport Temple Bldg 14 Franklin St, Suite 200 Rochester, NY 14604 716-232-7310 Fax: 716-637-2182 Niagara County Community College at Sanborn Small Business Development Center 3111 Saunders Settlement Rd. Sanborn, NY 14132 716-693-1910 Fax: 716-731-3595 Southampton Outreach Center Small Business Development Center Long Island University at Southampton Abney Peak, Montauk Highway Southampton, NY 11968 516-287-0059/0071 Fax: 516-287-8287 The College of Staten Island Small Business Development Center 2800 Victory Blvd. Staten Island, NY 10314-9806 718-982-2560 Fax: 718-982-2323 SUNY at Stony Brook Small Business Development Center Harriman Hall, Room 109 Stony Brook, NY 11794-3775 516-632-9070 Fax: 516-632-7176 Rockland Community College at Suffern Small Business Development Center Suffern, MY 10901-3620 914-356-0370 Fax: 914-356-0381 Onondaga Community College Small Business Development Center Excell Bldg, Room 108 4969 Onondaga Rd. Syracuse, NY 13215 315-492-3029 Fax: 315-492-3704 Winston-Salem University Manufacturing Technology Center Small Business Development Center New York Manufacturing Partnership 385 Jordan Rd Troy, NY 12180-7602 518-286-1014 Fax: 518-286-1006 SUNY College of Technology at Utica/ Rome Small Business Development Center P.O. Box 3050 Utica, NY 13504-3050 315-792-7546 Fax: 315-792-7554 Jefferson Community College Small Business Development Center Watertown, NY 13601 315-782-9262 Fax: 31S-782-0901 The Small Business Resource Center Small Business Development Center 222 Bloomingdale Rd, 3rd Floor White Plains, NY 10605-1500 914-644-4116 Fax: 914-644-2184 North Carolina Funding Sources: North Carolina Small Business Develop] Center University of North Carolina 333 Fayette St. Mall, Suite 1150 Raleigh, NC 27601 919-715-7272 Fax: 919-715-7777 Asheville Office Small Business Development Center 34 Wall St, Suite 707 Public Services Bldg Asheville, NC 28805 704-251-6025 Appalachian State University Small Business Development Center Northwestern Region Walker College of Business Boone, NC 28608 704-262-2492 Fax: 704-262-2027 Small Business Development Center Central Carolina Region 608 Airport Rd., Suite B Chapel Hill, NC 27514 919-962-0389 Fax: 919-962-3291 Small Business Development Center Southern Piedmont Region The Ben Craig Center 8701 Mallard Creek Rd. Charlotte, NC 28262 704-548-1090 Fax: 704-548-9050 Small Business Development Center Center for Improving Mountain Living Western Carolina University, Bird Bldg. Cullowhee, NC 28723 704-227-7494 Fax: 704-227-7422 Elizabeth City State University Small Business Development Center Northeastern Region P.O. Box 874 Elizabeth City, NC 27909 919-335-3247 Fax: 919-335-3648 Fayetteville State University Small Business Development Center Cape Fear Region Continuing Education Center P.O. Box 1334 Fayetteville, NC 28302 910-486-1727 Fax: 910-486-1949 NC A&T University/CH Moore Agricultural Research Center Small Business Development Center Box D-22, 1602 E. Market St. Greensboro, NC 27411 910-334-7005 Fax: 910-334-7073 East Carolina University Small Business Development Center Eastern Region 300 E. 1st St., Willis Bldg. Greenville, NC 27858-4353 919-328-6157 Fax: 919-328-6992 Catawba Valley Region Small Business Development Center 514 Hwy 321, Suite A Hickory, NC 28601 704-345-1110 Fax: 704-326-9117 Pembroke State University Office of Economic Development and SBTDC Pembroke, NC 28372 910-521-6603 Fax: 910-521-6550 MCI Small Business Resource Center 800 1/2 S. Salisbury St Raleigh, NC 27601 919-715-0520 Fax: 919-715-0518 NC Wesleyan College Small Business Development Center 3400 N. Wesleyan Blvd Rocky Mount, NC 27804 919-985-5130 University of North Carolina at Wilmington Small Business Development Center Southeastern Region 601 S. College Rd. Wilmington, NC 28403 919-395-3744 Fax: 910-350-3990 Small Business Development Center Northern Piedmont Region P.O. Box 13025 Winston-Salem, NC 27110 910-750-2030 Fax: 910-750-2031 Small Business Development Center Minot Regional Center 1020 20th Ave. SW P.O. Box 940 Minot, ND 58702 701-852-8861 Fax: 701-838-2488 North Dakota Funding Sources: North Dakota Small Business Development Center University of North Dakota 118 Gamble Hall, Box 7308 Grand Forks, ND 58202-7308 701-777.3700 Fax: 701-777-3225 Small Business Development Center Bismarck Regional Center 400 East Broadway, Suite 416 Bismarck, ND 58501 701-223-8583 Fax: 701-252-3843 Devils Lake Outreach Center Small Business Development Center 417 5th St Devils Lake, ND 58301 800-445-7232 Small Business Development Center Dickinson Regional Center 314 3rd Ave. West, Drawer L Dickinson, ND 58602 701-227-2096 Fax: 701-225-5116 Small Business Development Center Fargo Regional Center 417 Main Ave. Fargo, ND 58103 701-237-0986 Fax: 701-237-9734 Graftal Outreach Center Red River Regional Planning Council Small Business Development Center P.O. Box 633 Graftal, ND 58237 800-445-7232 Small Business Development Center Grand Forks Regional Center The Hemp Center 1407 24th Ave. S, Suite 201 Grand Forks, ND 58201 701-772-8502 Fax: 701-775-2772 Jamestown Outreach Center Small Business Development Center 210 10th St. SE, Box 1530 Jamestown, ND 58402 701-252-9243 Fax: 701-251-2488 Mid-Ohio Small Business Development Williston Outreach Center Tri-County Economic Development Assn Small Business Development Center Box 2047 Williston, ND 58801 800-445-7232 Ohio Funding Sources: Ohio Small Business Development Center Department of Development 77 S. High St., 28th Floor Columbus, OH 43226-0101 614-466-2480 Fax: 614-466-0829 Small Business Development Center Akron Regional Development Board One Cascade Plaza, 8th Floor Akron, OH 44308 216-379-3170 Fax: 216-379-3164 Ohio University Small Business Development Center Innovation Center 20 E. Circle Dr Athens, OH 45701 614-593-1797 Fax: 614-593-1795 Athens Small Business Center, Inc 900 East State St. Athens OH 45701 614-592-1188 Fax: 614-593-8283 Wood County Small Business Development Center WSOS Community Action Commission, Inc P.O. Box 539 121 E. Wooster St Bowling Green, OH 43402 419-352-7469 Fax: 419-353-3291 Wright State University Lake Campus Small Business Development Center 7600 State Route 703 Celina, OH 45882 419-586-0355 Fax: 419-586-0358 Cincinnati Small Business Development Center IAMS Research Park, MC189 UII Edison Ave. Cincinnati, OH 45216-2265 513-948-2082 Fax: 513-948-2007 Clermont County Chamber of Commerce Small Business Development Center 4440 Glen Este-Witharnsville Rd. Cincinnati, OH 45245 513-753-7141 Fax: 513-753-7146 Northern Ohio Mfg. Small Business Development Center Prospect Pk. Bldg. 4600 Prospect Ave. Cleveland, OH 44103-4314 216-432-5364 Fax: 216-361-2900 Greater Cleveland Growth Association Small Business Development Center 200 Tower City Center 50 Public Square Cleveland, OH 44113-2291 216-621-3300 Fax: 216-621-4617 Columbus Small Business Development Ctr. Columbus Area Chamber of Commerce 37 N. High St. Columbus, OH 43215 614-225-6082 Fax: 614-469-8250 Dayton Satellite Center for Small Business Assistance College of Business, 310 Rike Hall Dayton, OH 45433 513-873-3503 Fax: 523-873-3545 Northwest Small Business Development Ctr. 1935 E. Second St, Suite D Defiance, OH 43512 419-784-3777 Fax: 419-782-4649 EMTEC/Small Business Development Center Southern Area Mfg. Small Business Development Center 3171 Research Park Kettering, OH 45420 513-259-1361 Fax: 513-259-1303 Lima Technical College Small Business Development Center 545 West Market St., Suite 305 Lima, OH 45801-4717 419-229-5320 Fax: 419-229-5424 Lorain County Chamber of Commerce Small Business Development Center 6100 S. Broadway Lorain, OH 44053 216-233-6500 Fax: 216-246-4050 246 E. 4th St P.O. Box 44901 Mansfield, OH 44901 800-366-7232 Fax: 419-522-6811 Marietta College Small Business Development Center 213 4th St Marietta, OH 45750 614-376-4901 Fax: 614-376-4832 Marion Small Business Development Marion Area Chamber of Commerce 206 S. Prospect St. Marion, OH 43302 614-387-0188 Fax: 614-387-7722 Kent State Univ7Salem Campus Small Business Development Center 2491 State Route 45 S. Salem, OH 44460 330-332-0361 Fax: 330-332-9256 Youngstown/Wanren SBDC Region Chamber of Commerce 180 E. Market St. Warren, OH 44482 330-393-2565 Fax: 330-392-6040 Tuscarawas Chamber of Commerce Small Business Development Center 330 University Dr, ME New Philadelphia, OH 44663-9447 216-339-3391 ext. 279 Fax: 216-339-2637 Miami University Small Business Development Center Dept. of Decision Sciences 336 Upham Hall Oxford, OH 44046 513-529-4841 Fax: 513-529-1469 Upper Valley Joint Vocational School Small Business Development Center 8811 Career Dr. North County Rd. 25A Piqua, OH 45356 513-778-8419 Fax: 513-778-9237 Portsmouth Area Chamber of Commerce Small Business Development Center 1208 Waller St. P.O. Box 1757 Portsmouth, OH 45662 614-353-8395 Fax- 614-353-2695 Northwestern State University North Central Small Business Development Fremond Office Terra Technical College 1220 Cedar St. Freemont, OH 43420 419-332-1002 Fax: 419-334-2300 Springfield Small Business Development Center, Inc. 300 E. Aubum Ave Springfield, OH 45505 513-322-7821 Fax: 513-322-7824 Enterprise Center Small Business Development Center 129 E. Main St Hillsboro, OH 45132 513-393-9599 Fax: 513-393-8159 Department of Development of the CIC of Belmont County Small Business Development Center St. Clairsville Office 100 East Main St. St. Clairsville, OH 43950 614-695-9678 Fax: 614-695.1536 Ashtabula County Economic Development Council, Inc. Small Business Development Center 36 West Walnut St. Jefferson, OH 44047 216-576-9134 Fax: 216-576-5003 Kent Regional Business Alliance Small Business Development Center Kent State Univ. Partnership College of Business Admin., Room 302 Kent, OH 44242 216-672-2772 ext. 254 Fax: 216-672-2448 Lakeland Community College Lake County Economic Development Center Small Business Development Center 750 Clocktower Dr. Mentor, OH 44080 216-951-1290 Fax: 216-951-7336 Women's Network 1540 W. Market St., Suite 100 Akron, OH 44313 330-864-5636 Fax: 330-884-6526 Women's Entrepreneurial Growth Organization Small Business Development Center The University of Akron Buckingham Bidg., Room 55 Akron, OH 44309 330-972-5179 330-972-5513 Women's Business Development Center 2400 Cleveland Ave. NW Canton, OH 44709 216-453-3867 Fax: 216-773-2992 Lawrence County Chamber of Commerce Small Business Development Center U.S. Route 52 and Solida Rd. P.O. Box 488 Southpoint, OH 45680 614-894-3838 Fax: 614-894-3836 Greater Steubenville Chamber of Commerce Small Business Development Center 630 Market St. P.O. Box 278 Steubenville, OH 43952 614-282-6226 Fay- 614-282-6285 Northwest Ohio Women's Business Entrepreneurial Network Small Business Development Center Toledo Regional Growth Partnership 300 Madison Ave Toledo, OH 43604 419-252-2700 Fax: 419-252-2724 Youngstown State University Cushwa Center for Industrial Development Small Business Development Center 241 Federal Plaza W. Youngstown, OH 44503 330-746-3350 Fax: 330-746-3324 Zaiesville Area Chamber of Commerce Small Business Development Center 217 N. Fifth St. Zanesville, OH 43701 614-452-4868 Fax: 614-454-2963 Oklahoma Funding Sources: Oklahoma Small Business Development Center Network Southeastern Oklahoma State University 517 University Durant, OK 74701 405-924-0277 1-800-522-6154 Fax: 405-920-7471 East Central State University Small Business Development Center 1036 East 10th Ada, OK 74820 405-436-3190 Fax: 405-436-3190 Small Business Development Center 709 Oklahoma Blvd Alva, OK 73717 405-327-8608 Fax: 405-327-0560 Southeastern State University Small Business Development Center 517 University Durant, OK 74701 405-924-0277 Fax: 405-920-7471 Phillips University Enid Satellite Center 100 S. University Ave. Enid, OK 73701 405-242-7989 Fax: 405-237-1607 Langston University Minority Assistance Center Hwy. 33 East Langston, OK 73050 405-466-3256 Fax: 405-466-2909 Lawton Satellite Center Small Business Development Center American National Bank Building 601 SW "D", Suite 209 Lawton, OK 73501 405-248-4946 Fax: 405-355-3560 Miami Satellite 2151 St. ME Miami, OK 74354 918-540-0575 Fax: 918-540.0575 Rose State College Procurement Specialty Center 6420 SE 15th St. Midwest City, OK 73110 405-733-7348 Fax: 405-733-7495 Univ. of Central Oklahoma Small Business Development Center P.O. Box 1439, 115 ParkAve. Oklahoma City, OK 73101-1439 405-232-1968 Fax: 405-232-1967 Carl Albert Junior College Poteau Satellite Center Small Business Development Center 1507 S. McKenna Poteau, OK 74953 918-647-4019 Fax: 918-647-1218 Northeastern State University Small Business Development Center Tahlequah, OK 74464 918-458-0802 Fax: 918-458-2105 Columbia Gorge Community College Tulsa Satellite Center State Office Building 440 S. Houston, Suite 507 Tulsa, OK 74127 918-581-2502 Fax: 918-581-2745 Oregon Institute of Technology Small Business Development Center 3201 Campus Dr., South 314 Klamath Falls, OR 97601 541-885-1760 Fax: 541-885-1855 Southwestern State University Small Business Development Center 100 Campus Dr. Weatherford, OK 73096 405-774-1040 Fax: 405-774-7091 Small Business Development Center 229 N. Bartlett Medford, OR 97501 503-772-3478 Fax: 503-776-2224 Oregon Funding Sources: Oregon Small Business Development 44 W. Broadway, Suite 501 Eugene, OR 97401-3021 503-726-2250 Fax: 503-345-6006 Linn-Benton Community College Small Business Development Center 6500 SW Pacific Blvd. Albany, OR 97321 541-917-4923 Fax: 541-917-4445 Southern Oregon State College Small Business Development Center Regional Service Institute Ashland, OR 97520 541-482-5838 Fax: 541-482-5838 Central Oregon Community College Small Business Development Center 2600 NW College Way Bend, OR 97701 541-383-7290 Fax: 541-383-7503 Southwestern Oregon Community College Small Business Development Center 340 Central Coos Bay, OR 97420 541-269-0123 Fax: 541-269-0323 Lane Community College,. Small Business Development Center 1059 Willamette St. Eugene, OR 97401 503-726-2255 Fax: 503-686-0096 Rogue Community College Small Business Development Center 214 SW 4th St Grants Pass, OR 97526 541-471-3515 Fax: 541-471-3589 Mount Hood Community College Small Business Development Center 323 ME Roberts St. Gresham, OR 97030 503-667-7658 Fax: 503-666-1140 Clackamas Community College Small Business Development Center 7616 SE Harmony Rd. Milwaukie, OR 97222 503-656-4447 Fax: 503-652-0389 Treasure Valley Community College Small Business Development Center 88 SW Third Ave. Ontario, OR 97914 541-889-2617 Fax: 541-889-8331 Blue Mountain Community College Small Business Development Center 37 SE Dorion Pendleton, OR 97801 541-276-6233 Fax: 541-276-6819 Portland Community College Small Business Development Center 123 NW 2nd Ave., Suite 321 Portland, OR 97209 503-414-2828 Fax: 503-294-0725 Small Business International Trade Program 121 SW Salmon St., Suite 210 Portland, OR 97204 503-274-7482 Fax: 503-228-6350 Umpqua Community College Small Business Development Center 744 SB Rose Rosenburg, OR 97470 541-672-2535 Fax: 541-672-3679 Chemeketa Community College Small Business Development Center 365 Ferry St. SE Salem, OR 97301 503-399-5181 Fax: 503-581-6017 Clatsop Community College Small Business Development Center 1240 S. Holladay Seaside, OR 97138 503-738-3347 Fax: 503-738-7843 Rhode Island Lead Center: Small Business Development Center 212 Washington The Dalles, OR 97058 541-298-3118 Fax: 541-298-3119 Tillamook Bay Community College Service District Small Business Development Center 401 B Main St. Tillamook, OR 97141 503-842-2551 Fax: 503-842-2555 Pennsylvania Lead Center: Pennsylvania Small Business Development Center University of Pennsylvania The Wharton School 409 Vance Hall Philadelphia, PA 19104-6374 215-898-4861 Fax: 215-898-1063 Lehigh University Small Business Development Center Rauch Business Center #37 Bethlehem, PA 18015 610-758-3980 Fax: 610-758-5205 Clarion University of Pennsylvania Small Business Development Center Dana Still Building, Room 102 Clarion, PA 16214 814-226-2060 Fax: 814-226-2636 Gannon University Small Business Development Center Carlisle Building, 3rd Floor Erie, PA 16541 814-871-7714 Fax: 814-871-7383 Kutztovm University Small Business Development Center University Center 2986 N. 2nd St. Harrisburg, PA 17110 717-720-4230 Fax: 717-233-3181 Indiana University of PA Small Business Development Center Robt. Shaw Bldg. Indiana, PA 15705 412-357-7915 Fax: 412-357-4514 St. Vincent College Small Business Development Center Alfred Hall, 4th Floor Latrobe, PA 15650 412-537-4572 Fax: 412-537-0919 Clemson University Bucknell University Small Business Development Center 126 Dana Engineering Building Lewisburg, PA 17837 717-524-1249 Fax: 717-524-1768 St. Francis College Small Business Development Center Business Resource Center Loretto, PA 15940 814-472-3200 Fax: 814-472-3202 Temple University Small Business Development Center Room 6, Speakman Hall 006-00 Philadelphia, PA 19122 215-204-7282 LaSalle University Small Business Development Center 1900 W. and Oiney Ave Philadelphia, PA 19141 215-951-1416 Fax: 215-951-1597 University of Pennsylvania Small Business Development Center The Wharton School 423 Vance Hall Philadelphia, PA 19104-6374 215-898-1219 Fax: 215-898-2135 Duquesne University Small Business Development Center Rockwell Hall-Room 10 Concourse 600 Forbes Ave. Pittsburgh, PA 15282 412-396-6233 Fax: 412-396-5884 University Small Business Development 208 Bellefield Hall 315 S. Bellefield Ave. Pittsburgh, PA 15260 412-648-1544 Fax: 412-648-1636 University of Scranton Small Business Development Center St. Thomas Hall, Room 588 Scranton, PA 18510 717-941-7588 Fax: 717-941-4053 Wilkes College Small Business Development Center Hollenback Hall 192 S. Franklin St. Wilkes-Barre, PA 18766-0001 717-831-4340 Fax: 717~R34.7745 Spartanburg Chamber of Commerce Small Business Development Center P.O. Box 1636 105 N. Pine St Spartanburg, SC 29304 803-594-5080 Fax: 803-594-5055 Rhode Island Small Business Development Center Bryant College 1150 Douglas Pike Smithfield, Rl 02917 401-232-6416 Fax: 401-232-6111 Salve Regina University Small Business Development Center Miley Hall, Room 006 Newport, Rl 02840 401-849-6900 Fax: 401-847-0372 Rhode Island Small Business Development Center Quonset P/D Industrial Park 35 Belver Ave., Room 2127 North Kingstown, Rl 02852-7556 401-294-1227 Fax: 401-294-6897 Rhode Island Small Business Development Center CCRI-Providence Campus One Hilton St Providence, Rl 02905 401-455-6088 Fax: 401-455-6047 Bryant College Small Business Development Center 30 Exchange Terrace, 4th Floor Providence, Rl 02903 401-831-1330 Fax: 401-454-2819 South Carolina Funding Sources: South Carolina Small Business Development Center University of South Carolina College of Business Administration Columbia, SC 29208 803-777-4907 Fax: 803-777-4403 University of South Carolina Alkan Office Small Business Development Center 171 University Pkwy., Suite 100 School of Business Alkan, SC 29801 803-641-3646 Fax: 803-641-3647 University of South Carolina at Beaufort Small Business Development Center 800 Carterat St. Beaufort, SC 29902 803-521-4143 Fax: 803-521-4198 Small Business Development Center 425 Sirnne Hall, College of Commerce Clemson, SC 29634-1392 803-656-3227 Fax: 803-656-4869 University of South Carolina USC Regional Small Business Development Outer College of Business Administration Columbia, SC 29208 803-777-5118 Fax: 803-777-4403 Coastal Carolina Small Business Development Center School of Business Administration P.O. Box 1954 Conway, SC 29526 803-349-2170 Fax: 803-349-2445 Florence Darlington Technical College Small Business Development Center P.O. Box 100548 Florence, SC 29501.0548 803-661-8256 Fax: 803-661-8041 Greenville Chamber of Commerce Small Business Development Center 24 Cleveland St Greenville, SC 29601 803-271-4259 Fax: 803-282-8549 South Dakota Funding Sources: South Dakota Small Business Development Center University of South Dakota 414 East dark Vermillion, SD 57069 605-677-5498 Fax: 605-677-5272 Small Business Development Center 226 Citizens Building Aberdeen, SD 57401 605-626-2252 Fax: 605-626-2667 Small Business Development Center 105 S. Euclid, Suite C Pierre, SD 57501 605-773-5941 Fax: 605-773-5942 Small Business Development Center 444 Mount Rushmore Rd., Room 208 Rapid City, SD 57701 605-394-5311 Fax: 605-394-6140 Small Business Development Center 200 N. Phillips, Suite 302 Sioux Falls, SD 57102 605-367-5757 Fax: 605-367-5755 Tennessee Upper Savannah Council of Governments Small Business Development Center Small Business Development Center Exchange Building 222 Phoenix St., Suite 200 P.O. Box 1366 Greenwood, SC 29648 803-941-8071 Fax: 803-941-8090 Funding sources: Tennessee Small Business Development Center Memphis State University South Campus (Getwell Rd.) Building #1 Memphis, TN 38152 901-678-2500 Fax: 901-678-4072 University of South Carolina at Hilton Head Small Business Development Center Suite 300, Kiawah Bldg. 10 Office Park Rd. Hilton Head, SC 29928 803-785-3995 Fax: 803-777-0333 Chattanooga State Technical Community College Small Business Development Center 4501 Amnicola Highway Chattanooga, TO 37406-1097 615-697-4410 ext. 505 Fax: 615-698-5653 South Carolina State College Small Business Development Center School of Business 300 College Ave Orangeburg, SC 29117 803-536-8445 Fax: 803-536-8066 Southeast Tennessee Development District Small Business Development Center P.O. Box 4757 Chattanooga, TN 37405 423-266-5781 Fax: 423-267-7705 Winthrop University Small Business Development Center 119 Thunnond Building Rock Hill, SC 29733 803-323-2283 Fax: 803-323-4281 Memphis State University Small Business Development Center Alvin Community College Small Business Development Center 3110 Mustang Rd. Alvin, TX 77511-4898 713-338-4686 Fax: 713-388-4903 Austin Peay State University Small Business Development Center College of Business Clarksville, TN 37044-0001 615-648-7764 Fax: 615-648-5985 Cleveland State Community College Small Business Development Center Business and Technology P.O. Box 3570 Cleveland, TN 37320 423-478-6247 Fax: 423-478-6251 Small Business Development Center Memorial Building Room 205, 308 West 7th St. Columbia, TN 38401 615-388-5674 Fax: 615-388-5474 Tennessee Technological University Small Business Development Center College of Business Administration P.O. Box 5023 Cookeville, TN 38505 615-372-6634 Fax: 615-372-6249 Dyersburg Community College Small Business Development Center 1510 Lake Rd. Dyersburg, TN 38024 901-286-3201 Fax: 901-286-3271 Four Lakes Regional Industrial Development Authority Small Business Development Center P.O. Box 63 Hartsville, TN 37074-0063 615-374-9521 Fax: 615-374-4608 Jackson State Community College Small Business Development Center 2046 N. Parkway St. Jackson, TN 38305 901-424-5389 Fax: 901-425-2647 East Tennessee State University Small Business Development Center College of Business P.O. Box 70,698A Johnson City, TN 37614-0698 423-929-5630 Fax: 423-461-7080 International Trade Center 301 E. Church Ave. Knoxville. TN 37915 423-637-4283 Fax: 423-523-2071 Memphis State University Small Business Development Center 320 S.Dudley St. Memphis, TN 38104 901-527-1041 Fax: 901-527-1047 International Trade Center Memphis, TN 38152 901-678-4174 Fax: 901-678-4072 Walters State Community College Small Business Development Center Business/Industrial Services 500 S. Davy Crockett Parkway Morristown, TN 37813 423-585-2675 Fax: 423-585-2679 Middle Tennessee State University Small Business Development Center School of Business 1417 E. Main St. P.O. Box 487 Murfreesboro, TN 37132 615-898-2745 Fax: 615-898-2861 Tennessee State University Small Business Development Center School of Business 33010th Ave. N. Nashville, TN 37203-3401 615-963-7179 Fax: 615-963-7160 Texas North Texas Small Business Development Center Dallas County Community College 1402 Corinth St. Dallas, TX 75215 214-860-5831 Fax: 214-860-5813 Houston Small Business Development Center University of Houston 1100 Louisiana, Suite 500 Houston, TX 77002 713-752-8444 Fax: 713-756-1500 Northwest Texas Small Business Development Center Center for Innovation 2579 S. Loop 289, Suite 114 Lubbock, TX 79423 806-745-3973 Fax: 806-745-6207 South Texas Border Small Business Development Center University of Texas at San Antonio 1222 N. Main, Suite 450 San Antonio. TX 78205 210-558-2450 Fax: 210-558-2464 Abilene Christian University Caruth Small Business Development Center College of Business Administration 648 E, Highway 80 Abilene, TX 79601 915-670-0300 Fax: 915-670-0311 Sam Houston State University Small Business Development Center College of Business Administration West Texas State University Panhandle Small Business Development Center T. Boone Pickens School of Business 1800 S. Washington, Suite 209 Amarillo, TX 79102 806-372-5151 Fax: 806-372-5261 Trinity Valley Small Business Development 500 S. Prairieville Athens, TX 75751 903-675-7403 Fax: 903-675-6316 Austin Small Business Development Center 221 S. IH 35, Suite 103 Austin, TX 78767 512-473-3510 Fax: 512-443-4094 Lee College Small Business Development Center P.O. Box 818 Baytown, TX 77522-0818 713-425-6307 Fax: 713-425-6309 John Gray Institute/Lamar University Small Business Development Center 855 Florida Ave. Beaumont, TX 77705 409-880-2367 Fax: 409-880-2201 Bonham Small Business Development (Satellite) 110 W. First Bonham, TX 75418 903-583-4811 Fax: 903-583-6706 Blinn College Small Business Development Center 902 College Ave. Brenham, TX 77833 409-830-4137 Fax: 409-830-4135 Bryan/College Station Chamber of Commerce Small Business Development Center 4001 E. 29th St. Bryan, TX 77805 409-260-5222 Fax: 409-260-5208 Corpus Christi Chamber of Commerce Small Business Development Center 1201 N. Shoreline Corpus Christi, TX 78539 512-881-1888 Fax: 512-882-4256 Collin County Small Business Development Center 4800 Preston Park Blvd. Piano, TX 75093 214-985-3770 Fax: 214-985-3775 Angelo State University Small Business Development Center 2610 West Ave. N Navairo Small Business Development > 120 N. 12th St. Corsicana, TX 75110 903-874-0658 Fax: 903-874-4187 International Business Center 2050 Stemmons Freeway World Trade Center, Suite #150 P.O. Box 58299 Dallas, TX 75258 214-747-1300 Fax: 214-748-5774 Grayson Small Business Development 6101 Grayson Dr. Denison, TX 75020 903-786-3551 Fax: 903-786*6284 Denton Small Business Development Ctr. (Satellite) P.O. Drawer P Denton, TX 76202 817-380-1849 Fax: 817-382-0040 University of Texas/Pan American Small Business Development Center 1201 West University Dr. Edinburg, TX 78539-2999 210-381-3361 Fax: 210-381-2322 El Paso Community College Small Business Development Center 103 Montana Ave., Room 202 El Paso, TX 79902-3929 915-534-3410 Fax: 915-534-4625 Tarrant Small Business Development Center 1500 Houston St., Room 163 7917 Highway 80 West Fort Worth, TX 76102 817-794-5900 Fax: 817-794-5952 Cooke Small Business Development Center 1525 West California Gainesville, TX 76240 817-668-4220 Fax: 817-668-6049 Galveston College Small Business Development Center 4015 Avenue Q Galveston, TX 77550 409-740.7380 Fax: 409-740-7381 North Harris Community College District Small Business Development Center 250 N. Sam Houston Parkway Houston, TX 77060 713-591-9320 Fax: 713-591-3513 Midwestem State University Small Business Development Center Division of Business 3400 Taft Blvd. Wichita Falls, TX 76308 817-689-4373 Fax: 817-689-4374 P.O. Box 2058 Huntsville, TX 77341-2058 409-294-3737 Fax: 409-294-3738 Campus Box 10910 San Angelo, TX 76909 915-942-2098 Fax: 915-942-2096 Kingsville Chamber of Commerce Small Business Development Center 635 E. King Kingsville, TX 78363 512-595-5088 Fax: 512-592-0866 UTSA International Small Business Development Center 1222 N. Main San Antonio, TX 78212 210-558-2470 Fax: 210-558-2464 Brazosport College Small Business Development Center 500 College Dr. Lake Jackson, TX 77566 409-266-3380 Fax: 409-265-7208 Laredo Development Foundation Small Business Development Center 616 Leal St. Laredo, TX 78041 210-722-0563 Fax: 210-722-6247 Kilgore College Small Business Development Center 100 Triple Creek Dr., Suite 70 Longview, TX 75601 903-757-5857 Fax: 903-753-7920 Texas Tech University Small Business Development Center Center for Innovation 2579 S. Loop 289, Suite 210 Lubbock, TX 79423 806-745-1637 Fax: 806-745-6217 Angelina Community College Small Business Development Center P.O. Box 1768 Lulkin, TX 75902 409-639-1887 Fax: 409-639-1887 Northeast Texarkana Small Business Development Center P.O. Box 1307 Mt. Pleasant, TX 75455 214-572-1911 Fax: 903-572-0598 University of Texas/Permian Basin Small Business Development Center 4901 East University Odessa, TX 79762 915-552-2455 Fax: 915-552-2433 Paris Small Business Development Center 2400 Clarksville St. Paris, TX 75460 214-784-1802 Fax: 903-784-1801 Dixie College Small Business Development Center 225 South 700 East Houston Community College System Small Business Development Center 13600 Murphy Rd. Stafford, TX 77477 713-499-4870 Fax: 713-499-8194 Tarleton State University Small Business Development Center Box T-0650 Stephenville, TX 76402 817-968-9330 Fax: 817-968-9329 College of the Mainland Small Business Development Center 8419 Emmett F. Lowry Expressway Texas City, TX 77591 409-938-7578 Fax: 409-935-5816 Tyler Small Business Development Center 1530 S. SW Loop 323, Suite 100 Tyler, TX 75701 903-510-2975 Fax: 903-510-2978 University of Houston-Victoria Small Business Development Center 700 Main Center, Suite 102 Victoria, TX 77901 512-575-8944 Fax: 512-575-8852 McLennan Small Business Development 4601 N. 19th St., Suite A-15 Waco, TX 76708 817-750-3600 Fax: 817-750-3620 Wharton County Junior College Small Business Development Center Administration Building, Room 102 911 Boling Highway Wharton, TX 77488-0080 409-532-0604 Fax: 409-532-2410 Lamoille Econ. Dev. Center Small Business Development Center P.O. Box 455 Utah Funding Sources: Utah Small Business Development Center University of Utah 102 West 500 South, Suite 315 Salt Lake City, UT 84101 801-581-7905 Fax: 801-581-7814 Southern Utah University Small Business Development Center 351 West Center Cedar City, UT 84720 801-586-5400 Fax: 801-586-5493 Snow College Small Business Development Center 345 West First North Ephraim, UT 84627 801-283-4021 801-283-6890 Fax: 801-283-6913 Utah State University Small Business Development Center East Campus Building Logan, UT 84322-8330 801-797-2277 Fax: 801-797-3317 Weber State University Small Business Development Center College of Business and Economics Ogden, UT 84408-3806 801-626-7232 Fax: 801-626-7423 College of Eastern Utah Small Business Development Center 451 East 400 North Price, UT 84501 801-637-1995 Fax: 801-637-4102 Utah State College Small Business Development Center School of Management 800 W. 1200 S Orem, UT 84058 801-222-8230 Fax: 801-225-1229 Uintah Basin Applied Technology Center Small Business Development Center 1100 East Lagoon P.O. Box 124-5 Roosevelt, UT 84066 801-722-4523 Fax: 801-722-5804 New River Valley Small Business Development Center Donaldson Brown Center, Room 234 Virginia Tech Blacksburg, VA 24061-0539 703-231-5278 Fax: 703-231-8850 St. George, UT 84770 801-673-4811, ext 353 Fax: 801-674-5839 Morrisville, VT 05661-0455 802-888-4923 Fax: 802-888-5640 Vermont Bennington Co. Industrial Corp. Small Business Development Center P.O. Box 357 No. Bennington, VT 05257 802-442-8975 Fax: 802-442-1101 Funding Sources: Vermont Small Business Development Center Vermont Tech. College P.O. Box 422 Randolph, VT 05060-0422 802-728-9101 Fax: 802-728-3026 Northwestern Vermont Small Business Development Center P.O. Box 786 NW VT SBDC Burlington, VT 05402-0786 802-658-9228 Fax: 802-860-1899 Southwestern Vermont Small Business Development Center 256 N. Main St. Rutland, VT 05701 802-773-9147 Fax: 802-773-2772 Southeastern Vermont Small Business Development Center P.O. Box 58 Springfield, VT 05156-0058 802-885-2071 Fax: 802-885-3027 Central Vermont Small Business Development Center Green Mountain SBDC P.O. Box 246 White River Jet., VT 05001-0246 802-295-3710 Fax: 802-295-3779 Brattleboro Dev. Credit Corp. Small Business Development Center P.O. Box 1177 Brattleboro, VT 05301-1177 802-257-7731 Fax: 802-258-3886 Addison Co. Econ. Dev. Corp Small Business Development Center 2 Court St. Middlebury, VT 05753 802-388-7953 Fax: 802-388-8066 Central VT Econ. Dev. Center Small Business Development Center P.O. Box 1439 Montpelier, VT 05601-1439 802-223-4654 Fax: 802-223-4655 Capital Area Small Business Development Center 403 East Grace St. Lake Champlain Islands Chamber of Commerce SBDC P.O. Box 213 No. Bero, VT 05474-0213 802-372-5683 Fax: 802-372-6104 Franklin County Industrial Dev. Ctr. Small Business Development Center P.O. Box 1099 St. Albans, VT 05478-1099 802-524-2194 Fax: 802-527-5258 Northeastern VT Dev. Assn. Small Business Development Center P.O. Box 630 St. Johnsbury, VT 05819 802-748-1014 Fax: 802-748-1223 Virginia Funding sources: Virginia Small Business Development Center 901 E. Byrd St., Suite 1800 Richmond, VA 23219 804-371-8253 Fax: 804-225-3384 VA Highland Community College Small Business Development Center P.O. Box 828 Abingdon, VA 24212 703-676-5615 Fax: 703-628-7576 George Mason University/Arlington Campus Small Business Development Center 3401 N. Fairfax Dr. Arlington, VA 22201 703-993-8128 Fax: 703-993-8130 Mt. Empire Community College Southwest Small Business Development Center Drawer 700, Route 23 Big Stone Gap, VA 24219 703-523-6529 Fax: 703-523-4130 Washington Small Business Development Center Washington State University Central Virginia Small Business Development Center 918 Emmet St. N, Suite 200 Charlottesville, VA 22903 804-295-8198 Fax: 804-295-7066 Northern Virginia Small Business Development Center 4260 Chainbridge Rd, Suite A-l Fairfax, VA 22030 703-993-2131/2130 Fax: 703-993-2126 Longwood College 515 Main St Small Business Development Center Famiville, VA 23901 804-395-2086 Fax: 804-395-2359 Rappahannock Region Small Business Development Center 1301 College Ave., Seacobeck Hall Fredericksburg, VA 22401 703-899-4076 Fax: 703-899-4373 James Madison University Small Business Development Center College of Business Building, Room 523 Hamsonburg, VA 22807 703-568-3227 Fax: 703-568-3299 Lynchburg Regional Small Business Development Center 147 Mill Ridge Rd, Lynchburg, VA 24502 804-582-6170 Fax: 804-582-6106 Small Business Development Center Dr. William E.S. Flory 10311 Sudley Manor Dr. Manassas,VA22110 703-335-2500 Fax: 703-335-1700 Lord Fairfax Community College Small Business Development Center P.O. Box 47 Middletowl, VA 22645 703-869-6649 Fax: 703-869-7881 Hampton Roads, Inc. Small Business Development Center P.O. Box 327 420 Bank St. Norfolk, VA 23501 804-825-2957 Fax: 804-825-3552 Southwest Virginia Community College Small Business Development Center P.O. Box SVCC Richlands, VA 24641 703-964-7345 Fax: 703-964-5788 Richmond, VA 23219 804-648-7838 Fax: 804-648-7849 501 Johnson Tower Pullman, WA 99164-4727 509-335-1576 Fax: 509-335-0949 The Blue Ridge Small Business Development Center 310 First St., SW Mezzanine Roanoke, VA 24011 703-983-0717 Fax: 703-983-0723 Bellevue Community College Small Business Development Center 3000 Landerholm Circle Bellevue, WA 98007-6484 206-643-2888 Fax: 206-649-3113 South Boston Small Business Development Center P.O. Box 1116 515 Broad St. South Boston, VA 24592 804-575-0044 Fax: 804-572-4087 Western Washington University Small Business Development Center College of Business and Economics 308 Park Hall Bellingham, WA 98225-9073 360-650-3899 Fax: 360-650-4844 Loudoun County Small Business Development Center 21515 Ridgetop Circle, Suite 200 Sterling, VA 22170 703-430-7222 Fax: 703-430-9562 Centralia Community College Small Business Development Center 600 West Locust St. Centralia WA 98531 360-736-9391 Fax: 360-753-3404 Warsaw Small Business Development Center P.O. Box 490 106 W. Richmond Rd Warsaw, VA 22572 804-333-0286 Fax: 804-333-0187 Big Bend Community College Small Business Development Center 7662 Chanute St., Bldg. 1500 Moses Lake, WA 98837-3299 509-762-6289 Fax: 509-762-6329 Wytheville Community College Small Business Development Center 1000 E. Main St. Wytheville, VA 24382 703-223-4798 ext. 4798 Fax: 703-223-4850 Eastern Shore Office P.O. Box 395 Belle Haven, VA 23306 804-442-7181 Mountain Empire Community College Small Business Development Center Drawer 700, Route 23 S. Big Stone Gap, VA 24219 703-523-6529 Fax: 703-523-8139 Small Business Development Center 525 Butler Farm Rd., Suite 102 Hampton, VA 23666 8(U-CT7.fiJlld Washington Skagit Valley College Small Business Development Center 2405 College Way Mt. Vernon, WA 98273 360-428-1282 Fax: 360-336-6116 South Puget Sound Community College Small Business Development Center 721 Columbia St. SW Olympia, WA 98501 360-753-5616 Fax: 360-586-5493 South Seattle Community College Small Business Development Center 6770 E. Marginal Way S Seattle, WA 98106 206-764-5375 Fax: 206-764-5838 Washington State University at Seattle Small Business Development Center 180 Nickerson, Suite 207 Seattle, WA 98109 206-464-5450 Fax: 206-464-6357 Funding Sources: Fairmont State College Small Business Development Center Fairmont, WV 26554 304-367-4125 Fax: 304-366-4870 North Seattle Community College Small Business Development Center International Trade Institute 9600 College Way N. Seattle, WA 98103-3599 206-527-3733 Fax: 206-527-3734 Marshall University Small Business Development Center 1050 Fourth Ave. University of Wisconsin 432 N. Lake St., Room 423 Madison, WI 53706 Community College of Spokane Small Business Development Center 665 N. Riverpoint Blvd. Spokane, WA 99202 509-358-2051 Fax: 509-358-2059 Washington State University at Tacoma Small Business Development Center 950 Pacific Ave., Suite 300 Box 1933 Tacoma, WA 98401-1933 206-272-7232 Fax: 206-597-7305 Columbia River Economic Development Council Small Business Development Center 100 East Columbia Way Vancouver, WA 98660-3156 360-693-2555 Fax: 360-694-9927 Yakima Valley Community College Small Business Development Center P.O. Box 1647 Yakima. WA 98907 509-454-3608 Fax: 509-454-4155 Columbia Basin College Tri-Cities SBDC 901 N. Colorado Kennewick, WA 99336 509-735-6222 Fax: 509-735-6609 Edmonds Community College Small Business Development Center 20000 68th Ave. W Lynwood, WA 98036 206-640-1435 Fax: 206-640-1532 Wenatchee Valley College SBDC P.O. Box 741 Okanogan, WA 98840 509-826-5107 Fax: 509-826-1812 Port of Walla Walla SBDC 500 Tausick Way Walla Walla, WA 99362 509-527-4681 Fax: 509-525-3101 Quest SBDC 327 East Penny Rd. Industrial Bldg. #2, Suite D Wenatchee, WA 98801 509-662-8016 Fax: 509-663-0455 West Virginia Funding Sources: West Virginia Small Business Development West Virginia Development Office 950 Kanawha Blvd. Charleston, WV 25301 304-558-2960 Fax: 304-558-0127 University of Wl at Parkside SBDC Huntington, WV 25755-2126 304-696-6789 Fax: 304-696-6277 West Virginia Institute of Technology Small Business Development Center Room 102, Engineering Building Montgomery, WV 25136 304-442-5501 Fax: 304-442-3307 West Virginia University Small Business Development Center P.O. Box 6025 Morgantown, WV 26506 304-293-5839 Fax: 304-293-7061 West Virginia University at Parkersburg Small Business Development Center Route 5, Box 167-A Parkersburg, WV 26101 304-424-8277 Fax: 304-424-8315 Shepherd College Small Business Development Center Shepherdstown, WV 25443 304-876-5261 Fax: 304-876-5117 College of West Virginia SBDC P.O. Box AG Bechkey, WV 25802 304-255-4022 Governor's Office of Community and Industrial Development SBDC 950 Kanawha Blvd. East Charleston, WV 25301 304.558-2960 Fax: 304-558-0127 Elkins Satellite SBDC 10 Eleventh St., Suite One Elkins, WV 26241 304-637-7205 Fax: 304-637.4902 Wisconsin Funding Sources: Wisconsin Small Business Development West Virginia Northern Community Small Business Development Center College Square Wheeling, WV 26003 304-233-5900, ext. 206 Fax: 304-232-9065 608-263-7794 Fax: 608-262-3878 University of Wisconsin at Eau Claire Small Business Development Center P.O. Box 4004 Eau Claire, WI 54702-4004 715-836-5811 Fax: 715-836-5263 University of Wisconsin at Green Bay Small Business Development Center 460 Wood Hall Green Bay, WI 54301 414-465-2089 Fax: 414-465-2660 University of Wisconsin at LaCrosse Small Business Development Center School of Business 120 N. Hall La Crosse, WI 54601 608-785-8782 Fax: 608-785-6919 University of Wisconsin at Madison Small Business Development Center 975 University Ave., Room 3260 Madison, WI 53706 608-263-2221 Fax: 608-263-0818 University of Wisconsin at Milwaukee Small Business Development Center 161 W. Wisconsin Ave., Suite 600 Milwaukee, WI 53203 414-227-3240 University of Wisconsin at Oshkosh Small Business Development Center 157 Clow Faculty Bldg. 800 Algoma Blvd. Oshkosh, WI 54901 414-424-1453 Fax: 414-424-7413 University of Wisconsin at Stevens Point Small Business Development Center Main Building, Lower Level Stevens Point, WI 54481 715-346-2004 Fax: 715-346-4045 University of Wisconsin at Whitewater Small Business Development Center 2000 Carlson Bldg Whitewater, WI 53190 414-472-3217 Fax- 414-472-4863 Low Interest Loans To Start A Business In A Small Town 284 Tallent Hall Kenosha, WI 53141 414-595-2189 Fax: 414-595-2S13 WI Innovation Service Ctr. SBDC Univ. of WI at Whitewater 402 McCutchan Hall Whitewater, WI 53190 414-472-1365 Fax: 414-472-1600 Wyoming Funding sources: University of Wisconsin at Superior Small Business Development Center 29 Sundquist Hall Superior, WI 54880 715-394-8352 Fax: 715-394-8454 Wyoming Small Business Development Center III West 2nd St., Suite 416 Casper, WY 82601 800-348-5207 307-234-6683 Fax: 307-577-7014 Laramie County Community College Small Business Development Center 1400 East College Dr. Cheyenne, WY 82007-3298 307-632-6141 800-348-5208 Fax: 307-632-6061 University of Wyoming Small Business Development Center P.O. Box 3620 University Station Laramie, WY 82071-3622 307-766-3050 800-348-5194 Fax: 307-766-3406 Northwest Community College Small Business Development Center John DeWitt Student Center Powell, WY 82435 307-754-6067 800-348-5203 Fax: 307-754-6069 Wyoming Small Business Development Center P.O. Box 1168 Rock Springs, WY 82902 307-352-6894 800-348-5205 Fax: 307-352-6876 Top The Intermediary Relending Program (IRP) is a rural development program administered by the Rural Business-Cooperative Service (RBS). The purpose is to provide loans for the establishment of new businesses, expansion of existing businesses, creation of new employment opportunities, saving of existing jobs, and funds to recipients for business facilities or community development projects in rural areas. Loans are made to intermediaries who relends funds to recipients for business facilities or community development. You can borrow up to $150,000 with a maximum term of 30 years and an interest rate as low as one percent per year. For information, copies of regulations, and forms, contact any USDA, Rural Development State Office or write to the RBS National Office at USDA, Rural Business-Cooperative Service, 1400 Independence Avenue, SW, Room 5050 South Building, Washington, DC 20250; 202-720-1400. Contact the USDA Rural Development office closest to you. Alabama Contact the USDA Rural Development office closest to you 38 West Trenton Boulevard Fayetteville, AR 72701 501-443-2700 Fax: 501-443-5036 Alaska Alaska Village Initiatives 1577 C Street #304 Anchorage, AK 99501 907-274-5400 Delta Community Development Corporation 335 West Broadway Street Forrest City, AR 72335 870-633-9112 Tanana Chiefs Conference 1221st Avenue Fairbanks, AK 99705 907-452-8251 East Arkansas Planning and Development District P.O. Box 1403 Jonesboro, AR 72403 870-932-3957 Juneau Economic Development Council 612 W. Willoughby Ave., Suite A Juneau, AK 99801-1732 907-463-3662 Arizona Business Development Finance Corporation (BDFC) 186 East Broadway Boulevard Tucson, AZ 85701 520-722-5626 Northern Arizona Council of Governments 119 East Aspen Avenue Flagstaff, AZ 86001-5296 520-774-1895 PEEP Microbusiness 806 East 46th Street Tucson, AZ 85713 520-622-3553 Arkansas Arkansas Capital Relending Corporation 225 South Pulaski Street Little Rock, AR 72201 501-374-9247 Active/Approved IRP Loans Arkansas Development Finance Authority 100 Main Street, Suite 200 Little Rock, AR 72201 501-682-5900 Arkansas Enterprise Group 708 Clinton Street, Suite 111 Arkadelphia, AR 71732 870-246-9739 Mississippi County AR Economic Opportunity Commission 2513 Atlanta Blytheville, AR 72315 870-532-2348 Southwest Arkansas Planning and Development District P.O. Box 767 Magnolia, AR 71753 870-234-4030 White River Planning and Development District P.O. Box 2396 Batesville, AR 72503 870-793-5233 California Arcata Economic Development Corporation Aldergrove Industrial Park 100 Ericson Court, Suite 100 Arcarta, CA 95521 707-822-4616 Fax: 707-822-8982 CDC Small Business Finance Corporation 1224 State Street, Suite C El Centre, CA 92243 760-353-3095 Fax: 760-353-0305 California Capital Small Business Development Corporation 926 J Street, Suite 1500 Sacramento, CA 95814 916-442-1729 Fax: 916-442-7852 Arkansas Land and Farm Development Corporation Rt. 2, Box 291 Brinkley, AR 72012 870-734-1140 Community Resource Group 221 Main Street Suite 301 Salinas, CA 93901 831-424-1099 Fax: 831-424-1094 Santa Cruz 831-459-6095 Fax: 831-459-6097 California Statewide Certified Development Corporation 129 "C" Street Davis, CA 95616 530-756-9310 Fax: 530-756-7519 Crown Economic Development Corporation 1222 W. Lacey Blvd., Suite 101 Hanford, CA 93230 209-582-4326 209-582-7908 Del Norte Economic Development 882 "H" Street P.O. Box 728 Crescent City, CA 95531 707-464-2169 Fax: 707-464-3561 Lake County Business Outreach & Response Team 4615 Work Right Circle, Suite B Lakeport, CA 95453 707-262-1090 Fax: 707-262-1092 Rural Community Assistance Corporation 2125 19th Street, Suite 203 Sacramento, CA 95818 916-447-2854 Fax: 916-447-2878 SAFE-BIDCO 1626 Fourth Street Santa Rosa, CA 95404 707-577-8621 Fax: 707-577-7348 Tri-Agency P.O. Box 473 Crescent City, CA 95531 707-464-7288 Superior California HDD 737 Auditorium Drive, Suite A Redding, CA 96001 530-225-2769 California Coastal Rural Development Corporation Tri-County Economic Development Corporation 2540 Esplanade, Suite 7 Chico, CA 95973 530-893-8732 Fax: 530-893-0820 1010 Ridge Road Gainesville, GA 30501 404-536-3431 300 South Whittle Avenue Oiney, IL 62450 618-395-7302 Valley Small Business Development Corporation 3417 W. Shaw, Suite 100 Fresno, CA 93711 559-271.9030 Fax: 559-271-9078 Middle Flint Area Development Corporation 228 West Lamar Americus, GA 31709 912-931-2909 City of Flora P.O. Box 249 151 North Sycamore Street Flora, IL 62838 618-662-8313 South Georgia Area Resource Development Agency, Inc. 327 West Savannah Avenue Valdosta, GA 31601 912-333-5277 Illinois Development Finance Authority 150 Pleasant Hill Road Box 46 Carbondale, IL 62901 618-453-5566 Fort Valley State University Foundation Rural Business Outreach Institute 10005 State University Drive Fort Valley, GA 31030 912-825-6060 Indiana City of Tell City P.O. Box 515 City Hall Building Tell City, IN 46586 812-547-5511 Yuba-Sutter E.D.C. 422 Century Park Drive, Suite B Yuba City, CA 95991 530-751-8555 Fax: 530-751-8515 Colorado The Colorado Housing & Finance Authority 1981 Blake Street Denver, CO 80202 303-297-2432 800-877-CHFA TDD: 303-297-7305 Mercy Housing, Inc. 601 East 18th Avenue #150 Denver, CO 80203 303-393-3908 Connecticut Contact the USDA Rural Development office closest to you Delaware Contact the USDA Rural Development office closest to you Florida Jackson County Development Council P.O. Box 920 Moriama, FL 32447 850-526-4005 Community Equity Investments, Inc. 302 North Barcelona Street Pensacola, FL 32501 850-595-6234 Georgia Central Savannah River Area Rural Lending Authority, Inc. 2123 Wrightsboro Road Augusta, GA 30914 706-737-1823 Coastal Area District Development Authority 1313 New Castle Street, 2nd Floor Brunswick, GA 31520 912-261-2500 Development Corporation of Middle Georgia 600 Grand Building 651 Mulberry Street Macon, GA 31201 912-751-6160 Georgia Mountains Regional Economic Development Corporation Kansas Hawaii Lokahi Pacific 1935 Main Street, Suite 204 Wailuku, HI 96793 808-242-5761 Fax: 808-244-2057 Molokai Ranch Foundation 55 Merchant Street, Suite 2000 Honolulu, HI 96813 808-531-0158 Fax- 808.511-2279 Idaho Panhandle Area Council Planning & Development Association 11100 Airport Drive 10624 W. Executive Drive Hayden Lake, ID 83835 Boise, ID 83713 208-772-0584 208-322-7033 East Central Idaho Planning and Development Southeast Idaho Council of Governments P.O. Box 330 310 N 2nd East Rexburg, ID 83440 208-356-4524 P.O. Box 6079 Pocatello, ID 83205-6079 208-233-4032 Clearwater Economic Development Association 1626 6th Avenue, North Lewiston, ID 83501 208-746-0015 Illinois South Central Illinois Regional Planning and Development Commission 120 Delmar Avenue, Suite A Salem, IL 62881-2006 618-548-4234 City of Oiney South Central Kansas Economic Iowa Dubuque County 720 Central Avenue Dubuque, IA 52001 319-589-4441 Albia Industrial Development Corporation 6 South Main Albia, IA 52531 515-932-7053 Upper Explore Land Regional Planning Commission 134 West Green Street P.O. Box 219 Posiville, IA 52162 319-864-7551 Butler County Rural Electric Cooperative 428 6th Street Allison, IA 50602 319-267-2858 Cherokee Area Economic Development Association 418 West Cedar Street Cherokee, IA 51012-1340 712-225-5739 Humbolt County Development Association Courthouse Box 100 Dakota City, IA 50529-0100 515-332-5205 Newton Development Corporation 113 First Avenue West Newton, IA 50208 800-792-1737 Wright County P.O. Box 214 Clarion, IA 50525 515-532-6422 Sheldon Community Development P.O. Box 276 Sheldon, IA 51201 712-324-2813 Development District (SCKEDD) 151 North Volutsia Wichita, KS 67214 316-683-4422 Development P.O. Box 12248 Alexandria, LA 71315-2248 318-487-5454 Great Plains Development Inc. (GPDI) 100 Military Plaza Dodge City, KS 67801 316-227-6406 Macon Ridge Economic Development Region P.O. Drawer 746 Ferriday, LA 71334-0746 318-757-3033 Kentucky Appalachian Investment Corporation 431 Chestnut Street, Suite 7 Berea, KY 40403 606-986-2375 Buffalo Trace Area Development District 327 West 2nd Street P.O. Box 460 Maysville, KY 41056 606-564-6894 Barren River Area Development District 177 Graham Avenue P.O. Box 90005 Bowling Green, KY 42102-9005 502-781-2381 Fax: 502-842-0768 Harlan Revitalization Association, Inc. P.O. Box 1709 Harlan, KY 40831 606-573-7698 Kentucky Highlands Investment Corporation 400 South Main Street London, KY 47476 606-864-5175 Pennyrile Area Development District 300 Hammond Drive Hopkinsville, KY 42240 502-886-9484 Fax: 502-886-3211 Purchase Area Development District 1002 Medical Drive P.O. Box 588 Maysfield, KY 4206 502-247-7171 Fax: 502-247-9000 Louisiana Evangeline Economic & Planning District P.O. Box 90070 Lafayette, LA 70509 318-233-3215 Coordinating & Development Corporation P.O. Box 37005 Shreveport, LA 71133-7005 318-632-2022 Dixie Electric Membership Corporation 16262 Wax Road Greenwell Springs, LA 70739 504-261-1221 Kisatchie-Delta Regional Planning & Marquette County Minden/South Webster Chamber of Commerce P.O. Box 819 Minden, LA 71058 318-377-4240 North Delta Regional Planning & Development District 2115 Justice Street Monroe, LA 71201 318-387-2572 Northeast Louisiana Delta Community Development Center P.O. Box 1149 Tallulah, LA 71282 318-574-0995 University Community Development Corporation 7990 Scenic Highway Baton Rouge, LA 70807 504-775-8146 Maine Northern Maine Development Commission P.O. Box 779 Caribou, ME 04736 207-427-8736 800-427-8736 Fax: 207-493-3108 Growth Finance Corporation of Oxford Hills 166 Main Street South Paris, ME 04281 207-743-8830 Fax: 207-743-5917 Caribou Development 60 Sweden Street Caribou, ME 04736-2320 207-493-4233 800-477-1082 Fax: 207-492-1362 Eastern Maine Development Corporation P.O. Box 2579 Bangor, ME 04402-2579 207-942-6389 Fax: 207-942-3548 Kennebec Valley Council of Governments 17 Main Street Fairfield, ME 04937-1119 207-453-4258 Fax: 207-453-4264 Beddeford-Saco Development Corporation 110 Main Street Suite 1202 Saco, ME 04072 207-282.1748 Fax: 207-282-3149 Coastal Enterprises, Inc. P.O. Box 268 Wiscasset, ME 04578-0268 207-882-7552 Fax: 207-882-7308 Town of Lisbon P.O. Box 8 Lisbon, ME 04525 207-353-3007 Massachusetts Franklin County Community Development Corporation 324 Wells Street Creenfield, MA 01301 413-774-7404 Cape & Islands Community Development, Inc. 480 Bamstable Road Hyannis, MA 02601 Michigan Androscoggin Valley Council of Governments 125 Manley Road Aubum, ME 04210 207-783-9186 Fax: 207-783-521 Lewiston-Aubum Economic Growth Council P.O. Box 1188 Lewiston, ME 04243-1188 207-784-0161 Fax: 207-786-4412 Finance Authority of Maine P.O. Box 949 Augusta, ME 04333-0949 207-623-3263 Fax: 207-623-0095 417 A. Avenue Cornerstone Alliance 38 West Wall Street P.O. Box 428 Benton Harbor, MI 49203 616-925-6100 First Rural Relending Co. 130 South Cedar Street Manistique, MI 49854 906-753-2225 Fivecap, Inc. 302 North Main Street Scottville, MI 49454 616-757-3785 Great Lakes Energy Cooperative P.O. Box 70 Boyne City, MI 49712-0070 800-748-0121 616-582-6521 Owinn, MI 498413 906-346-3137 Muskegon Heights City of EDC 3635 South Can- Road Fmitport, MI 49415 616-788-3700 Northern Initiatives Corporation 228 West Washington Marquette. MI 49855 906-228-5571 Northern MI Foundation P.O. Box 1569 Acme, MI 49610 616-938-4409 800-652-4326 Rural MI IRP Co. 121 East Front Street Suite 201 Traverse City, MI 49783 616-941-5858 Minnesota Benton County 531 Dewey Street Foley, MN 56239 320-968-6254 Fax: 320-968-7626 Blooming Prairie EDA City Hall P.O. Box 68 Bloooming Prairie, MN 55911 507-583-7573 Fax: 507-583-4520 Caledonia Economic Development Authority 231 East Main Street P.O. Box 68 Caledonia, MN 55921 507-724-3632 Initiative Foundation 700 SSE First Avenue Little Falls, MN 56345 320-632-9255 Fax: 320-632-9258 Community Development of Morrison City, Inc. 107 SE 2nd Street P.O. Box 356 Little Falls, MN 56345 320-632-5466 City of Crookston 124 North Broadway Crookston, MN 56716 218-281-4503 Fax: 218-281-5609 Austin, MN 55912 507-433-0345 East Central Regional Development Commission 100 Park Street Mora, MN 55051 320-679-4065 Fax: 320-679-4120 City of East Grand Forks P.O. Box 373 East Grand Forks, MN 56721 218-773-8939 City of Fergus Falls 112 West Washington P.O. Box 868 Fergus Falls, MN 56538-0868 218-739-2251 City of Fosston 220 East First Street Fosston, MN 56542 218-435-1377 Fax: 218-435-1961 Housing & Redevelopment Authority In and For the City of Willmar 333 SW 6th Street Willmar, MN 56201 320-235-8637 Lakefield Economic Development Authority City Hall P.O. Box 900 Lakefield, MN 56150 507-662-5457 Fax: 507-662-5990 City of Mcintosh 115 Broadway NW Mcintosh, MN 56553 218-563-3043 Fax: 218-563-3042 Meeker County Development Corporation 325 North Sibley Avenue Litchfield, MN 55355 320-693-5272 Fax: 320-693-5444 Midwest Minnesoda Community Development Corporation P.O. Box 623 Washington Square Mall Detroit Lakes, MM 56501-0623 218-847-3191 Fax: 218-847-3192 Detroit Lakes Development Authority 1025 Roosevelt Avenue Detroit Lakes, MN 56501 218-847-5658 Minnesota's Community Development Corporation P.O. Box 509 Park Rapids, MN 56570 218-732-3677 Fax: 218-732-8985 Development Corporation of Austin (DCA) 1900 8th Avenue, NW Mississippi Northland Foundation Northeast MS Planning & Development 610 Sellwood Building 202 West Superior Street Duluth, MN 55802 218-723-4040 Northwest Minnesota Foundation 4225 Technology Drive NW Bemidji, MN 56601 218-759-5057 Fax: 218-759-2328 City of Perham 125 Second Avenue ME P.O. Box 130 Perham, MN 56573 218-346-9798 Fax: 218-346-9364 Prairieland Economic Development Corporation 2401 Broadway Avenue, Suite 3 Slayton, MN 56172-1142 507-836-6656 Fax 507-836-8866 Red Lake Falls Development Corporation 201 Second Street P.O. Box 280 Red Lakes Falls, MN 56750 218-253-2143 Red Wing Port Authority 433 West Third Street Red Wing, MN 55066 612-388-4781 The Initiative Fund 540 West Hills Circle P.O. Box 570 Owatonna, MN 55060 507-455-3215 Fax: 507-455-2098 Southwest Minnesota Foundation P.O. Box 428 Hutchinson, MN 55355 320-587-4848 Fax: 320-587-3838 Stevens County Economic Improvement Commission 507 Oregon Avenue Morris, MN 56267 320-589-2609 Fax: 320-589-4814 West Central Minnesota Initiative Fund 220 West Washington Ave., Suite 205 Ferrous Falls, MN 56537 218-739-2239 Fax: 218-739-5381 Wheaton Economic Development Authority 104 Ninth Street North P.O. Box 868 Wheaton, MN 56296 320-563-4110 District P.O. Box 600 Booneville, MS 38829 601-728-6248 P.O. Box 599 Ogallala, NE 69153 308-284-6077 Watertown, NY 13601 315-785-2593 South Delta Planning & Development District P.O. Box 1776 Greenville, MS 38702 601-378-3831 Nevada Rural Nevada Development Corporation (RNDC) 740 Park Avenue Ely, NV 89301 REDEC Relending Corporation 145 Village Square Painted Post, MY 14807 604-962-3021 Southwest MS Planning & Development District 110 South Wall Street Natchez, MS 39120 601-446-6044 New Hampshire Belknap County Economic Development Council 64 Court Street Laconia, NH 03246 603-524-3057 Three Rivers Planning & Development District 75 South Main P.O. Drawer B Pontotoc, MS 38863 601-489-2415 Missouri Rural Missouri, Inc. 1014 Northeast Drive Jefferson City, MO 65109 573-635-0136 Green Hills Rural Development, Inc. 900 Main Street Trenton, MO 64683 660-359-5086 N.W. Development Corporation P.O. Box 565 Camron, MO 64429 816-632-2121 North Central Missouri Rural Housing Development Corp. P.O. Box 220 Mylan, MO 63556 660-265-4404 Knox County Community Development Corporation 104 East Jackson Street Edina, MO 63537-1335 816-397-2509 Montana Bear Paw Development Corporation P.O. Box 1549 Harve, MT 59501 406-265-9226 Nebraska Nebraska Economic Development Corporation (NEDCO) Southeast Nebraska Development District (SENDD) 2631 "0" Street Lincoln, ME 68510 402-475-2560 West Central Nebraska Development District (WCNDD) New Jersey South Jersey Economic Development District 18 N. East Avenue Vineland, NJ 08360 856-794-8497 New Mexico New Mexico Community Development Loan Fund 700 4th Street SW Albuquerque, NM 87102 505-243-3196 505-243-8803 New York Adirondack Economic Development Corporation Trudeau Road Saranac Lake, NY 12983 518-891-5523 Fax: 518-891-9820 COMCO Development Corporation 572 S. Salina Street Syracuse, NY 13202 315-470-1888 Lake Champlain-Lake George Regional Development Corporation Amherst Street Lake George, NY 12845 518-668-5773 Herkimer County Industrial Development Agency P.O. Box 390 4301 North Washington St. Room 434 Herkimer, NY 315-867-1373 New York Job Development Authority 605 3rd Avenue 26th Floor Rural Opportunities, Inc. 400 East Avenue Rochester, MY 14607 716-546-7180 Southern Tier Enterprise Development Organization 465 Broad Street Salamanca, NY 14779 716-945-5301 Tioga County Local Development Corporation County Building 56 Main Street Owego, NY 13827 607-687-8255 Washington County Local Development Corporation Washington County Municipal Center 383 Broadway Fort Edward, NY 12828 518-746-2292 North Carolina Dunn Area Committee of 100, Inc. 600 South Magnolia Avenue Dunn, NC 28334 910-892-2884 Self Help Ventures Fund 301 West Main Street Durham, NC 27701 919-956-4400 North Dakota Lake Agassiz Regional Development Corporation 417 Main Avenue Fargo, ND 58018 701-239-5373 Lewis & Clark Regional Development Council 400 E. Broadway Ave., Suite 418 Bismarck, ND 58501 701-255-4591 Roosevelt Custer Regional Council Pulver Hall Dickinson, ND 58601 701-277-1241 Ohio Ashtabula County 503 Corporation 36 West Walnut Street Jefferson, OH 44047 219-576-3759 North Country Alliance Local Development Corporation 317 Washington Street Enterprise Development Corporation 900 East State Street Suite 101 Athens, OH 45701 614-592-1188 Mahoning Valley Economic Development Corporation 4319 Belmont Avenue Youngstown, OH 44505 330-759-3668 Portage Area Development Corporation 231 West Main Street Ravenn, OH 44266 330-297-6400 Oklahoma Central Oklahoma Economic Development District 400 North Bell P.O. Box 3398 Shawnee, OK 74802-3398 405-273-6410 Little Dixie Community Action Agency, Inc. 502 West Duke Street Hugo, OK 74743 580-326-3351 Logan County Economic Development Council P.O. Box 995 Guthrie, OK 73044 405-282-0060 Miami Area Economic Development Service 2 North Main, Suite 601 Miami, OK 74354 918-542-7751 Ozarks Corporation for Innovation Development, Inc. P.O. Box 1335 Durant, OK 74702-1335 580-924-5094 Choctaw Nation Drawer 1210 16th and Locust Durant, OK 74702-1210 580-924-8280 Adair County Indian Credit Association P.O. Box 602 Stilwell, OK 74960 918-696-3803 Cherokee Nation P.O. Box 948 Tahlequah, OK 74465-0948 918-456-0671 ext.: 2532 Oregon Valley Development Initiatives C/O Mid-Willamette Valley Council of Governments 105 High Street, SE Salem, OR 97301 503-588-6177 Oregon Cascades West Council of Governments P.O. Box 686 Albany, OR 97321 541-967-8551 Morrow Development Corporation C/O Port of Morrow P.O. Box 200 Boardman, OR 97818 541-481-7678 Curry Economic Development Corporation P.O. Box 848 Brookings, OR 97415 541-469-2218 Port of Bandon Economic Development Fund P.O. Box 1950 Bandon, OR 97411 541-347-9105 People's Electric Cooperative 1130 West Main Street P.O. Box 429 Ada, OK 74820 580-332-3031 Central Oregon Intergovernmental Council 2363 SW Glacier Place Redmond, OR 97756 541-548-8163 Rural Enterprises, Inc. P.O. Box 1335 Durant, OK 74702 580-924-5094 CCD Business Development Corporation 744 SE Rose Street Roseburg, OR 97470 541-672-6728 South Western Oklahoma Development Authority P.O. Box 569 Fourth & Sooner Drive Building 420 Burns Flat, OK 73624 580-562-4882 Southern Oregon Regional Economic Development, Inc. 332 West Sixth Street Medford, OR 97501-2711 541-773-8946 Cherokee Hills RC&D 1007 South Muskogee Avenue Tahlequah, OK 74464-4733 918-456-2304 Jefferson County Development Council, I R.D. 5, Box 47 Brookville, PA 15825 Greater Eastern Oregon Development Corporation P.O. Box 1041 Pendleton, OR 97801 541-276-6745 Lane Council of Governments 814-849-3047 Rhode Island None 125 East 8th Avenue Eugene, OR 97401 541-682-7450 Northeast Oregon Business Development 101 NE First Street, Suite 100 Enterprise, OR 97828 541-426-3598 Columbia Pacific Economic Development District of Oregon, Inc. P.O. Box 598 St. Helens, OR 97051 503-397-2888 Mid-Columbia Economic Development 400 East Scenic Drive Suite 2420 The Kalles, OR 97058 541-296-6182 ext. 3208 Pennsylvania Northwest Pennsylvania Regional Planning Development Commission Biery Building Suite 406 Franklin, PA 16323 814-437-3024 Fax: 814-432-3002 Northern Tier Regional Planning Commission 507 Main Street Towanda, PA 18848-9987 717-265-9103 Fax: 717-265-7585 SEDA-Council of Governments R.R. I, Box 372 Lewisburg, PA 17837 570-524-4491 Fax: 570-524-9190 Washington County Council on Economic Development 100 West Beau Street, Suite #703 Courthouse Square Washington, PA 15301 724-228-6949 Fax: 724-250-6502 Southern Alleghenies Planning and Development Commission 541 58th Street Altoona, PA 16602-1193 814-949-6500 North Central Pennsylvania Regional Planning and Development Commission P.O. Box 488 Ridgway, PA 15853 814-772-6901 Economic Development Council of North East Pennsylvania 1151 Oak Street Pittston, PA 18640-3795 717-655-5581 South Carolina Carolina Capital Investments Corporation 1201 Main Street Suite 1750 Colmnbia, SC 29201 803-737-0101 Sisseton, SD 57262 605-698-7654 Fax: 605-698-3038 Catawba Regional Development Corporation P.O. Box 450 215 Hampton Street Rock Hill, SC 29731 803-327-9044 Rural Electric Economic Development, Inc. 121 SE 1st Street P.O. Drawer E Madison, SD 57042 605-256-4536 Fax: 605-256-8058 Lake City Development Corporation P.O. Box 1329 202 Kelley Street Lake City, SC 29560 843-394-5421, ext. 276 South Dakota Economic Development Finance Authority Governor's Office of Economic Development 711 East Wells Avenue Pierre, SD 57501-3369 605-773-5032 Fax: 605-773-3256 Lower Savannah Regional Development Corporation P.O. Box 850 2748 Wagener Road Aiken, SC 29802 803-649-7981 Santee-Lynches Regional Development Corporation P.O. Drawer 1837 36 West Liberty Street Slirnter, SC 29151 803-775-7381 Williarnsburg Enterprise Community Commission, Inc. P.O. Box 428 Kingstree, SC 29556 843-354-9070 South Dakota Beadle and Spink Enterprise Community P.O. Box 68 Yale, SD 57386 605-599-2991 Fax: 605-599-2992 First District Development Company 124 First Avenue NW P.O. Box 1207 Watertown, SD 57201 605-886-7224 Fax: 605-882-5049 West River Foundation P.O. Box 218 2885 Dickson Avenue Sturgis, SD 57785 605-347-5837 Fax: 605-347-5223 Tennessee Areawide Development Corporation 5616 Kingston Pike Knoxville, TN 37939-2806 423-588-7972 Caney Fork Electric Cooperative, Inc. 920 Smithville Highway P.O. Box 272 McMinnville, TN 37110 Cumberland Area Investment Corporation 1225 South Willow Avenue Cookeville, TN 38506-4194 931-432-4050 East Tennessee Enterprise Partnership, Incorporated P.O. Box 186 Carson Drive Huntsville, TN 37756 423-663-2910 Grant County Development Corporation 707 South 5th Street Milbank, SD 57252 605-432-6851 Fax: 605-432-6258 First Tennessee Economic Development Corporation 207 North Bone Street Suite 800 Johnson City, TN 37604-5699 423-928-0224 Greater Huron Development Corporation 375 Dakota Avenue South Huron, SD 57350 605-352-0363 Fax: 605-352-9327 Mid-Cumberland Area Development Corporation 501 Union Street, 6th Floor Nashville, TN 37219-1705 615-862-8828 Northeast Council of Governments P.O. Box 1985 Aberdeen, SD 57402-1985 605-626-2595 Cnv. AA< ú1L 1(172 Northeast South Dakota Economic Corporation 414 3rd Avenue East Northwest Tennessee Certified Development Corporation 124 Weldon Drive P.O. Box 963 Martin, TN 38237 901-587-4213 Seouachee Valley Electric Cooperative 512 ferfar Avenue South Pittsburg, TN 37380 423-837-8605 South Central Tennessee Development District 815 South Main Street Columbia, TN 38402-1346 615-381.2040 Southeast Local Development Corporation 25 Cherokee Boulevard Chattanooga, TN 37405 423-266-5781 Southwest Tennessee Development District 27 Conrad Drive, Suite 150 Jackson, TN 38305 901-668-7112 Texas Brownwood Industrial Foundation P.O. Box 880 Brownwood, TX 76804 915-646-9535 Utah Utah Technology Finance Corporation 177 East 100 South Salt Lake City, LIT 841 II 801.741-4200 Deseret Certified Development Company 7050 Union Park Center, Suite 570 Midvale, UT 84047 801-566-1163 Central Utah Office at Evergreen Square 907 South Orem Boulevard Orem, UT 801-221-7772 Vermont Addison County Economic Development Corporation RD4, Box 1309 A Middlebury, VT 05753 802-388-7953 Connecticut River Valley P.O. Box 246 White River Jet., VT 05001-0246 802-295-3710 Franklin County Industrial 2 North Main Street St. Albans, VT 05478-1099 802-524-2194 Lamoille Economic Development Corporation P.O. Box 455 Morrisville, VT 05661 802-888-5640 Northern Community Investment Corporation 20 Main Street P.O. Box 904 St. Johnsbury, VT 05819 802-748-5101 Northeastern Vermont Development Association 44 Main Street P.O. Box 640 St. Johnsbury, VT 05819 802-748-5181 Rutland Economic Development Corporation 256 North Main Street Rutland, VT 05701 802-773-9147 Vermont 503 Corporation 56 East State Street Montpelier, VT 05602 802-828-5474 Vermont Community Enterprise Fund Inc. 7 Court Street P.O. Box 827 Montpelier, VT 05602 802-223-1448 Vermont Small Business Development Corporation 56 East State Street Montpelier, VT 05602 802-828-5466 Virginia Southeast Rural Community Assistance Project Incorporated P.O. Box 2868 Rolling Oak, VA 24001-2868 540-345-1184 347 West Second Suite A Colville, WA 99114 509-684-8411 509-684-4571 Fax: 509-684-4788 Okanogan County Investment Association P.O. Box 741 Okanogan, WA 98840 509-826-5107 Columbia Regional Economic Development Trust P.O. Box 217 Richland, WA 99352 509-943-9187 Lending Network P.O. Box 916 Chenghalis, WA 98532 360-748-0114 Fax: 360-748-1235 Cascadia Revolving Fund 119 First Ave. South Suite 1000 Seattle, WA 98104 206-447-9226 Fax: 206-682-4804 Lake County Development Corporation P.O. Box 150 South Hill, VA 23970 804-447-7101 Private Industry Council of Snohomish County (PIC) 728-134th Street SW Building A, Suite 211 Everett, WA 98204 425-743-9669 425-353-2025 TDD: 425-743-9669 Fax: 425-742-1177 Mount Rogers Planning District Commission 1021 Terrace Drive Marion, VA 24354 540-783-5103 Evergreen Community Development Association 900 Fourth Avenue, Suite 2900 Seattle, WA 98164 800-878-6613 Hampton University Rural Business Assistance Center 11916 Roife Highway Furry, VA 23887 757-294-5176 Shorebank Trading Group P.O. Box 826 llwaco, WA 98624 Virginia Eastern Shore Economic Development and Housing Corporation P.O. Box 814 Nassawadox, VA 23413 Washington TRICO Economic Development Unconventional Loan Programs P.O. Box 247 Parkersburg, WV 26102 304-422-4993 Mountain CAP of West Virginia, Inc. 26 North Kanawha Street Buckhannon, WV 26102 304-472-1500 West Virginia Economic & Development Authority 1018 Kanawha Boulevard East, Suite 501 Charleston, WV 25301-2827 304-558-3650 Wisconsin Northwest Wisconsin Business Development Corporation 1400 S. River Street Spooner WI 54801 715-635-2197 North Central Wisconsin Development Corporation 407 Grant Street Wausau, WI 54403 715-845-4208 Adams-Columbia Electric Cooperative 401 E. Lake Street P.O. Box 70 Friendship, WI 54934-0700 608-339-6945 Impact Acceptance Corporation 651 Garfield Street Almena, WI 54805 705-357-3334 Wyoming Frontier Certified Development Company 232 East 2nd Street, Suite 300 Casper, WY 82601 307-234-5351 . West Virginia The McDowell County Action Network P.O. Box 158 Wilcoe, WV 24895 304-448-2118 Mid-Ohio Valley Regional P&D Council Top The following is a description of loan programs available to low and moderate income individuals, minorities, Native Americans, Hispanics, refugees, unemployed individuals, welfare recipients, youths, and low and moderate income individuals who don't qualify for credit through conventional methods. Most of these programs allow individuals (depending on the situation) to roll closing costs and fees into the amount of the loan. So you actually go to the closing with NO money in your pocket. The aim of these programs is to stimulate economic growth through small businesses or microenterprises. Helping individuals become self-sufficient is the main focus, and also to challenge conventional methods of providing credit. All of the programs hope to demonstrate that persons with limited incomes are responsible, will repay, and can become successful if given access to knowledge and resources. Some programs are designed just for youths, (15-21 years old), to develop their own businesses, avoid drugs and crime, sharpen academic skills and form positive attitudes about themselves and their communities. This is accomplished by utilizing the leadership, communication, management and business skills they may have acquired through affiliation with the illegal drug trade and other street activities. Loan amounts can range from $50 to $2,000 with terms from six months to two years. Alabama * SBA Microloan Program Birmingham Business Resource Center 110 12th Street North 205-250-638 Birmingham, AL 35203 Fax: 205-250-6384 E-mail: bbrc@mlinenet.net Generally this loan is open to any micro business, but it has mainly served minorities and women owned businesses. Attendance of monthly peer group meetings for technical assistance is required. The loan can be up to $7,5C with the interest rate at 10 to 13 percent. The term is determined by each case, but generally from 12 to 24 months. This is for the Jefferson County Arizona * Borrowers' Circle Self-Employment Loan Fund, Inc. 602-340-8834 201 North Central Avenue, Suite CCIO Fax: 602-340-8953 Phoenix, AZ 85703 TDD: 800-842-4681 E-mail: Self-Employment@Juno.com SELF offers assistance for those just starting a small business or that have been operational for less than six months. They use a peer lending system with a group of graduates that review the loans. Initial loans are up to $1,000 with 12 months to repay. Subsequent loans can be up to $5,000 with as many as 24 months to repay. Funding is through the U.S. Small Business Administration's Office of Women's Business Ownership, the City of Phoenix, corporations, foundations and Arizona banks. * Small Business Loan PEEP Microbusiness and Housing Development Corporation 1100 East Hao Way, Suite 209 520.806-9513 Tucson, AZ 85713 Fax: 520-806-9515 This loan targets minority women and low-income small business owners. It is specific to the Rural Central and Southern Arizona areas. The loan is for $500 to $25,000 and the term is 60 months. It can be used for inventory, supplies, equipment and fixed assets. Arkansas * The Good Faith Fund (GFF) Peer Group Loan Program The Good Faith Fund (OFF) 2304 W. 29th Ave. 870-535-6233 Pine Bluff, AR 71603 Fax: 870-535-0741 GFF's peer-lending program is for new and emerging entrepreneurs and operates much like a community based credit union, with OFF providing the loan capital. Members join peer-lending groups, which consider and approve small business loans for their fellow member entrepreneurs. First time borrowers are eligible to borrow up to $1,200. In a "Stair-step" loan process, borrowers may secure loans of up to $7,500. Loan representatives assist interested borrowers in preparing their loan request, including cash flow projections indicating that the proposed loan use will produce increased sales and ensuring that the loan payments will be manageable. This Fund receives funding from private foundations, SBA Microloan Demonstration Program, contributions, and earnings. * Micro Loan Good Faith Fund 2304 West 29th Street Pinebluff, AR 71603 870-535-6233 This loan is available to people in the Delta region that would like to start a business. The amount of the loan is from $500 to $25,000. The interest rate varies depending on the loan, from 9 1/2% to 12%. Repayment must not be over 7 years. California * Micro Enterprise Assistance Program of Orange County Micro Enterprise Assistance Program of Orange County 18011 Skypark Circle, Suite E Irvine, CA 92614 949-252-1380 Eligible applicants are women and ethnic minorities below the poverty level. This program receives funding from banks and private organizations. The aim of this program is to provide access to credit, training, and support so that low income individuals and their families may become self-sufficient. Loans are up to $1,500 with terms up to one year. The interest rate is prime rate plus 4%. * Self-Employment Loan Fund Women's Economic Ventures of Santa Barbara 1136E.MontecitoSt. 805-965-6073 Santa Barbara, CA 93103 Fax: 805-962-9622 This program is helping women create their own employment in a community that is currently losing jobs. Loans are from $1,000 to $25,000, with terms set by the loan officer. This fund receives funding from foundation grants, corporate and individual gifts, fees, and interest payments. * Self-Employment Microenterprise Development (SEMED) Economic and Employment Development Center (EEDC) 241 S. Figueroa St. Los Angeles, CA 90012 213-617-3953 SEMED assists the Southeast Asian Community in Los Angeles and surrounding counties to attain self-sufficiency. Eligible applicants an refugees admitted to the U.S. within the last five years and currently living under the national poverty level. Loans are from $2,000 to $5,000 with loan term at one year. Group Lending loans are from $2,000 to $5,000 with the term at one year and the interest rate at 9.3%. SEMED receives funding from the Office of Refugee Resettlement. * The West Company The West Enterprise Center 367 N. State St., Suite 206 707-468-3553 Ukiah, CA 95482 Fax: 707-462-8945 This program has a comprehensive approach that combines human and economic development. The aim is to stimulate the growth of economic opportunity in Northern California. Particular emphasis is on small business, economic options for low income people, and employment in the community. Eligible applicants are low income women/minorities located in Mendocino County. Loans are from $200 to $5,000 with terms from 6 to 24 months. The interest rate is at 10%. West Company receives funding from foundations, banks, utilities, CAP agency, local, state, and federal government, and donations. * Revolving Loan Fund Tri-County Economic Development Corporation 2540 Esplanade, Suite 7 530-893-8732 Chico, CA 95973 Fax: 530-893-0820 E-mail: tcedcloan@thegrid.net http://tricountyedc.org The goal of this loan is to stimulate economic growth in Chico. The loan can be used for working capital, machinery, equipment, and leasehold improvements. You can apply for $2,500 to $50,000. The amount of time allowed for repayment varies with each loan. The interest rate is Prime pins 2%, or as low as 7%. For every $10,000 borrowed, one job must be created. * City of Long Beach Microenterprise Loan City of Long Beach Business Assistance Division 200 Pine Avenue, Suite 400 562-570-3822 Long Beach, CA 90802 562-570-3800 www.ci.long-beach.ca.us/bdc The goal of die program is to assist in the development of new businesses, to help economic growth, and to create and retain jobs. It is available to low and moderate income small business owners who cannot get conventional funding. The existing or start-up business must be located in the City of Long Beach. Funds can be used for property acquisition, machinery, equipment and moveable fixtures and working capital. The loan amount is from $5,000 to 125,000 at a fixed rate. * Micro-Loan Program Oakland Business Development Corporation 519 17th Street, Suite 100 510-763-4297 Oakland, CA 94612 Fax: 510-763-1273 E-mail: mike@obdc.com www.obdc.com This loan is for small businesses located within the Seven Community Development Districts of Oakland. It can be used for working capital, inventoly purchases, expansions and renovations, and contract finishing. Initially from $ 1,000 to $ 10,000 can be borrowed. After that has been repaid, up to $20,000 can be requested. The maximum term is 5 years and the interest is Prime + 3%. Eligible businesses are those in operation for one year, but 25% of funds are available for start-ups. * Entrepreneurial Resource Center Loan Entrepreneurial Resource Center 2555 dovis Avenue Clovis, CA 93612 559-650-5050 Loans are only available to graduates of the Entrepreneurial Training Program. Funds are available from $1,000 to $5,000. The term is from 12 to 36 months depending on the loan amount. * Micro Loan Fund Start Up: An East Palo Alto Micro-Business Initiative 1935 University Avenue East Palo Alto, CA 94303 650-321-2193 To take advantage of tills loan, entrepreneurs must graduate from the Start-Up Program. Up to $5,000 is available with a term of 5 years. Preferences are given to the residents of Palo Alto. * The Los Angeles Community Development Bank Micro Loan Program Community Financial Resource Center 4060 S. Figueroa Street 323-233-1900 Los Angeles, CA 90037 Fax: 323-235-1686 The goal of this loan is to create jobs and to promote a positive investment environment in the Los Angeles Supplemental Empowerment Zone. It is available to micro businesses, home-based businesses and recent start-ups. Loans are from $1,000 to $25,000 and for those that have been turned down for a conventional loan. The term is 3 to 5 years at 12% fixed interest rate. * Micro Loan Revolving Loan Fund Economic and Employment Development Corporation 2411 Figueroa Street, Suite 240 Los Angeles, CA 90012 213-617-3953 This program is available to refugees in the service area that have not been naturalized by the US. After completing a business training program, the applicant can submit a business plan and loan application. The maximum loan amount is $5,000. However, if a husband and wife apply for the same business, they could apply for $ 10,000. After the original has been paid back, borrowers can apply for 2 to 3 more loans and can double the loan amount. Technical assistance continues with the loan and the business is monitored on a weekly basis. * Micro Loan Fund Interfaidi Service Bureau 2117 Cottage Way Sacramento, CA 95828 916-568-5020 This group is available for refugees that are green card holders and low income Americans. It is for those small businesses in the Sacramento area for start-up and inventory costs. After completing the training program, you may apply for a loan of up to $5,000. The maximum amount of time to repay the loan is 3 years. Funding is from private grants. * Women's Initiative Loan Fund Women's Initiative For Self Employment 450 Mission Street, Suite 402 San Francisco, CA 94105 415-247-9473 Women's Initiative helps low-income women to learn the skills necessary to successfully start and run their businesses. After completing the training course, you can apply for a small loan. The initial loan amount is up to $ 1,000, and after that, up to $ 10,000 can be sought. The staff will work with each owner on a one-to-one basis for post loan assistance. Networking and access to experts are also available. * Small Business Micro'Lending Program Lenders for Community Development 111 West St. John St., Suite 710 408-297-9937 San Jose, CA 95113 Fax: 408-297-4599 This loan program targets women, minority, and low-income business owners, and those businesses that are located in low-income areas. The business must have been in operation for one year and located in Santa Clara or San Mateo County. The loans range from $5,000 to $50,000 and can be used for working capital, equipment, inventory, leasehold improvements, and business acquisition. * Peer Lending Circles West Company 306 East Redwood Ave., Suite 2 Ft. Bragg, CA 95437 707-964-7571 It is their mission to expand economic self-sufficiency and social well-being for those people that have limited access to conventional resources. The Peer Lending Circles have up to 6 members with at least 6 months of self-employment or a complete business plan. The loan amount ranges from $250 to $5,000 and the members all sign the loan note. Technical assistance is part of this program and must be continued for the term of the loan. Colorado * Business Center for Women (BCW) Mi Casa Resource Center for Women 571 Galapago St. 303-573-1302 Denver, CO 80204 Fax: 303-595-0422 This program assists women who are low income and Hispanic in achieving self-sufficiency. It has assisted in startup businesses and helped existing businesses expand. Loan amounts are up to a maximum of $500 for individual lending and from $500 to $5,000 for group lending. Loan terms are up to one year for individual lending; up to two years for group lending. The interest rate is at S% for individual lending; prime rate plus 3% for group lending. * Project Success (PS) Mi Casa Resource Center for Women 571 Galapago St. 303-573-1302 Denver, CO 80204 Fax: 303-595-0422 This program is available to women receiving welfare benefits in Denver County. The aim is to assist women who are low income and Hispanic in achieving self-sufficiency. Loans are at a maximum of $500 for individual lending and from $500 to $5,000 for group lending. Terms are up to one year for individual lending; up to two years for group lending. The interest rate is 8% for individual lending and at prime rate plus 3% for group lending. * Micro Loan Credit for All, Inc. 2268 Birch Street Denver, CO 80207 303-320-19 This loan is geared towards low-income people to help them get out poverty. Credit for All uses a pure lending model method. Five to sev small business owners approve and insure repayment of loans to peers. The first loan amount is for 1500 and must be repaid in 4 months. After th $ 1,000 is available and there are 8 months for repayment. If everything gc well with the first year of loans, up to $8,000 can be applied for in t second year, and so on for the following years. This is available for the within the service are of Credit for All. * Micro Loan Colorado Capital Initiatives 1616 17th Street, Suite 371 Denver, CO 80202 303-628-S46. Basically, they provide loans to those people of good character who have difficulty obtaining conventional funding. With this program, there are 1. counties where each area makes up its own community group. Each group sets its own guidelines and standards that would best serve their region. From $500 to $30,000 is available for a loan with a maximum of 3 years for repayment. The interest rate is I or 2% over Prime, depending on the loan. * Small Business Loan Colorado Enterprise Fund 1888 Sherman Street, Suite 530 Denver, CO 80203 303-860-024: E-mail: microloans@coloradoenterprisefund.org www.coloradoenterprisefund.org This is available in the 10 county service are of Colorado Enterprise. It is for small businesses that need money for things like working capital ani equipment. Up to $25,000 can be applied for with a term of up to 5 years. The interest rate is from 13.5% to 14.25'/o. * Community Enterprise Lending Initiative Denver Small Business Development Center 1445 Market Street 303-620-8076 Denver, CO 80203 Fax: 303-514-3200 It is the mission of this program to provide counseling and loans to finance new or expanding businesses that are located in low-income, multi-ethnic areas. Also, it is for those entrepreneurs that cannot get a conventional loan. An existing business must have been in operation for at least one year. The maximum loans are $2,000 for a start-up and $15,000 for an existing company. The goal is that after this program the borrowers will be able to get conventional funding. * El Valle Microloans San Luis Valley Christian Community Services P.O. Box 984 309 San Juan Avenue 719-589-5192 Alamosa, CO 81101 Fax: 719-589-4330 E-mail: ccs@slvccs.org www.siv.org/ccs SLVCCS wants to encourage economic development for disadvantaged individuals through support for existing and start-up business owners in the San Luis Valley. It is for those entrepreneurs that cannot get traditional bank loans. The loan amount is between $500 and $19,000 for a term of 3 years. They also have technical assistance, computer access, and network exposure. Connecticut * Hartford Economic Development Corporation Loan Programs Hartford Economic Development Corp. 15 Lewis St. 860-527-1301 Hartford. CT 06103 Fax: 860-727-9224 This Corporation receives funding from CDBO funds, membership fees,! dues. Their aim is to create and retain jobs and tax rateable property. I program is available to AFDC recipients, low and moderate income individuals. Loans are from $1,500 to S20,000 with terms from 6 month 7 years. The interest rate is 9%. * Trickle Up Grant Action for Bridgeport Community Development 955 Connecticut Ave, Suite 1215 203-382-544 Bridgeport, CT 06607 Fax; 203-382-544 Over 75% of the recipients of the Trickle Up Grant program either have no credit or bad credit history. Entrepreneurs are given $700 in conditional start up capital in two installments. For the first $500, they must complete Business Plan, agree to spend a minimum of 250 hours per person over a month period, and save or reinvest at least 20% of the profits in the busing At the end of three months, and when all of the requirements have been mi they can receive the final $200. Most of the recipients work out of their homes. Delaware * Capital Works Team Success Loans First State Community Loan Fund and YWCA of New Castle County 100 West 10th Street, Suite 1005 302-652-6774 Wilmington, DE 19801 Fax: 302-656-1272 E-mail: fsclf@diamond.net.ude.edu This program uses the peer group lending process. The group offers support, training, and loan reviews. It is available to those businesses that are located in Delaware. The loan amounts are from $500 to $6,000. The term is 4 months to 3 years at a 12% interest rate. The group will approve the business use of the funds. District of Columbia * Youth Microloan Fund The Entrepreneurial Development Institute P.O. Box 65882 Washington, DC 20035-5882 202-882-8334 This fund was established to empower disadvantaged youth to develop their own businesses, avoid drugs and crime, sharpen academic skills, and form positive attitudes about themselves and their communities. Eligible applicants are minority youths ages 17 to 21 years old. There are three levels of financing: up to $1,000, $2,500, and $5,000. Young people must have a business plan and have successfully repaid each loan before advancing to the next level. Loans carry below market interest and must be repaid within one year. * Micro Loan Fund East of the River Community Development Corporation 4800 Nannie Helen Burroughs Washington, DC 20019 202-397-068S This loan is available to people in the area who want to start a small business or one that has been in existence for 2 or more years. Up to $25,000 can be applied for at 12% interest. The amount of time allowed for repayment varies depending on the loan. Florida * SBA Microenterprise Loan Fund Community Equity Investments, Inc. (CEII) 850-595-6234 302 North Barcelona Street 888-605-2505 Pensacola, FL 32501 Fax: 850-595-6234 E-mail: ceii2234@aol.com http://ceii.pensacola.com CEII provides assistance to businesses in northwest Florida and southern Alabama to help create jobs in those areas. The program has loans available for up to $25,000 for existing or start-up small businesses. The loans must be paid back within 5 years. Normally these are available to those that have had problems qualifying for a conventional loan. to be used for inventory, supplies, furniture, fixtures, machinery, equipment, and working capital. The maximum loan is $25,000 for a maximum term of 6 years. * Micro Loan Florence Villa Community Development Corporation 111 Avenue R ME 941-299-3263 Winter Haven, FL 33881 Fax: 941-299-8134 Available businesses are start-up and existing that are generally owned by low to moderate-income people. The money can be used for mainly equipment. A loan of $5,000 is the maximum at 6.5% interest. The term is up to 3 years. It is only for the Polk county area. * Working Capital Program 3000 Biscayne Blvd., Suite IOIA Miami, FL 33137 www.workingcapital.org 305-438-1407 Fax- 305-418-1411 Working Capital's loans are set up in steps with each amount having a different repayment time. They start off at $500 and go in steps up to $10,000, in some cases they will go as high as $20,000. There is a 16% interest rate for processing loans. Members also can also take advantage of the business programs and network with other business owners. Georqia * Working Capital Program 52 W. Alton St. Atlanta, GA 30303 www.workingcapital.org 404-688-6884 Fax- 404-688-4009 Working Capital's loans are set up in steps with each amount having a different repayment time. They start off at $500 and go in steps up to $10,000, in some cases they will go as high as $20,000. There is a 16% interest rate for processing loans. Members also can also take advantage of the business programs and network with other business owners. * Micro Loan Fund Goodwill Industries of North Georgia 2201 Glenwood Avenue Atlanta, GA 30316 404-486-8400 This fund primarily serves Decatur and metro Atlanta. It is for women business owners that have low to moderate income. It mostly funds existing businesses, but there are some startups also. A loan from $50 to $5,000 can be applied for after completion of the Business Now training program. The term of the loan is 12 months with an interest rate that is currently 10%. Hawaii * Refugee Enterprise Development Project Immigrant Center 720 N. King St. 808-845-3918 Honolulu, HI 96817 Fax: 808-842-1962 This program focuses on Vietnamese and Laotian low income or welfare recipients. The objective of this program is to advance economic selfsufficiency among recently arrived refugees by providing culturally sensitive lending and support programs for the startup or expansion of microenterprise in Hawaii. Loans are from $1,500 to $5,000 with terms from 6 months to two years. The interest rate is at prime rate plus 2%. 3%. or 4%. * RED Manini MicroLoan Fund The Immigrant Center 720 North King Street 808-845-3918 Honolulu, HI 96817 Fax: 808-842-1962 E-mail: redmanini@hotmail.com This loan fund provides small loans, support, and technical assistance in order to help business owners to turn their talents and personal resources into economic self-sufficiency. It is for start-up and growing small businesses and to be used for inventory, supplies, furnature, machinery, equipment, and working capital. The maximum loan is $25,000 for a maximum term of 6 years. Idaho * JTPA Entrepreneurial Training IDA-ORE Planning and Development Association 10624 West Executive Dr. 208-322-7033 Boise, ID 83704 Fax: 208-322-3569 JTPA receives funds from EDA revolving loan fund grant, EDA revolving loan fund interest, and JTPA training funds. Program is available to individual entrepreneurs who do not qualify for commercial credit, and who are located in rural southwest Idaho, Malheur and Hamey counties. The primary motive is business and economic development in rural areas where jobs are few, and entrepreneurial activity may be the only option to support rural families. Loans are up to $10,000 with loan terms up to three years. The interest rate is at prime rate plus 5% or 12%. * Small Business Micro-Loan Program Panhandle Area Council, Inc. 11100 Airport Drive Hayden, ID 83835 208-772-0584 This loan is available in North Idaho to ensure growth and prosperity of the region's small businesses. Generally the loans are for businesses that have been operational for at least one year. Consideration will be given to start-up businesses. The minimum amount for a loan is $1,000 and the maximum is $25,000. The term is three to five years at a fixed interest rate. The loan can be used for the purchase or repair of equipment, purchase of inventory, and working capital. Illinois * Community Enterprising Project Uptown Center Hull House Association 4520 N. Beacon St. 312-561-3500 Chicago, IL 60640 Fax: 312-561-3507 Eligible applicants are low and moderate-income individuals located in Uptown, Edgewater, and Ravenswood areas. This project has assisted several new start up businesses, and others have been able to increase sales for businesses such as food industry and service businesses. Loans are from $1,000-$ 10,000 with terms from 1-2 years. Interest rate is at prime rate plus 6%. Receives funds from foundations, corporations, governments and individuals. * Peoria Area Micro Business Development Program The Economic Development Council for The Peoria Area, Inc. 124 S. West Adams St., Suite 300 309-676-7500 Peoria, IL 61602 Fax: 309-676-7534 The Economic Development Council (EDC) is committed to assisting in the development of small businesses and microbusinesses and helping them overcome obstacles to growth. Eligible applicants are low and moderate-income existing or startup businesses, minorities and females. Loans are from $500 to $25,000 with terms from three to five years. The interest rate is from 5 to 12%. Receives funds from SBA Microloan Demonstration program. City of Peoria, and county of Peoria. * Self-Employment Loan Fund Chicago Association of Neighborhood Development Organizations 123 W. Madison St., Suite 1100 312-372-2636 Chicago, IL 60602-4589 Fax: 312-372-2637 The aim of this Fund is the revitalization of all Chicago neighborhoods, retail and industrial areas. It works with community based organizations to assist low and moderate-income individuals start new business ventures. Loans are from $1,000 to $10,000 with a term of two years. Interest rate is at prime rate plus 6%. Closing costs can be included in the loan amount. * Self-Employment Training Program Project NOW - Community Action Committee 418 19th St., P.O. Box 3970 309-793-6388 Rock Island, IL 61201 Fax: 309-793-6352 Eligible applicants are low-income county residents in the counties of Rock Island, Henry, and Mercer. Assists individuals interested in self-employment by providing training, consulting services, support services and assistance in identifying and accessing startup capital. Loans are from $1,500 to $45,000 with terms from two to four years. The interest rate is 5%. Funding comes from the Illinois Department of Commerce and Consumer Affairs. * WBDC Micro-Loan Program Women's Business Development Center 8 S. Michigan Ave., Suite 400 312-853-3477 Chicago, IL 60603 Fax: 312-853-0145 This program has started a new initiative to strengthen the programs and services for women, and worked as an advocate on access to financing through relationship building with banks and regulators. The aim is to support women in their quest for economic self-sufficiency through entrepreneurship. Loans are up to $5,000 with terms up to one year. The interest rate is at 9%. This program receives funding from loans from various foundations and banks. * Women's Economic Venture Enterprise (WEVE) YWCA 22916th St. 309-788-9793 Rock Island, IL 61201 Fax: 309-788-9825 Women's Economic Venture Bnterprise (WEVE) assists women in achieving economic self-sufficiency through business ownership. Eligible applicants are women of all races and income levels living in Scott County, Iowa, Rock Island County in Illinois, and Metropolitan Quad Counties. Loans are from $200 to $3,000, terms from three months to five years. Interest rate is 2% below prime rate. WEVE receives funding from Banks, SBA, foundations, individuals, program fees and corporations. * Women's Self-Employment Project (WSEP) 20 N. dark St. 312-606-8255 Chicago, IL 60602 Fax:312-606-9215 The Women's Self-Employment Project (WSEP) programs provide economic support and a chance for self-sufficiency to women who reside in some of Chicago's most disinvested communities. The goal of WSEP is to raise the income of low/moderate income women through a strategy of selfemployment. Loans are from $ 100 to $10,000 with terms from four months to two years. The interest rate is at 15%. WSEP receives funding from SBA Microloan Demonstration, foundations, corporations, government contracts, individual donors, and consulting contracts. * Self-Employment Loan Fund Chicago Association of Neighborhood Development Organizations (CANDO) 123 West Madison, Suite 1100 Chicago, IL 60602-4589 312-939-7171 This loan is generally available to low income business owners that are primarily women and minorities. It is for start-up and emerging businesses in Chicago. The loans for emerging businesses are $1,000 to $20,000 at 12.5% and repayable in 3 months to 2 years. A start-up company can apply for $1,000 to $15,000 at 10 to 12.5% interest for a term of 3 months to 2 years. * City of Rockford Microenterprise Investment Match Program City of Rockford Illinois Community Development Department 425 East State Street 815-987-5610 Rockford, IL 61104 Fax:815-967-6933 www.ci.rockford.il.us This program has been designed to strengthen new or young businesses owned by low and moderate-income residents in the City of Rockford. The City will provide up to four times the amount of the business' equity, or $10,000, whichever is less. Equity can include cash, previously purchased equipment, and "sweat-equity". The term is 5 years, with 20% forgiven each of the 5 years. The interest rate is 0%. Fifty-one percent of the jobs must be for low and moderate-income residents of the City. The applicant must graduate from the training program or have a business education. * Special Initiative Funds ACCION Chicago 3245 West 26th Street Chicago, IL 60623 773-376-9004 This loan is geared towards African Americans, women owned businesses, and geographic areas that are depressed. These loans are based on character as long as there is a cash flow in the business. The loan amount is from $500 to $25,000 with a term of 3 months to 24 months. This is for start-up and existing businesses. * Micro Loan Program for Small Businesses West Cook Community Development 1127 South Mannheim Road, Suite 1021 708-450-0100 Westchester, IL 60559 Fax: 708-450-0655 This program is for small businesses in Western Suburban Cook County that have first been turned down by a bank for funding. It targets low lo moderate-income women and minorities. The loan amount is from $2,000 to 150,000 with a term of up to 5 years. For funding, money is pooled from loans received from 20 area banks, and then in turn is loaned out from West Cook Community Development. Indiana * Eastside Community Fund Eastside Community Investments (BCI) 26 N. Arsenal Ave. 317-637-7300 Indianapolis, IN 46220 Fax: 317-637-7581 The aim is to loan money and provide technical assistance to both startup and existing small businesses. Preference is given to New Eastside residents or low income individuals. Loans are from $150 -$25,000; terms from three months to five years. Interest rate is 10 to 12%. This fund receives funding from SBA, Mott Foundation, state loan money, and Partners for Common Good Loan Fund. * Rural Business Assistance Grant City of Madison Micro Loan Program P.O. Box 765 Versailles, IN 47042 812-689-5505 This loan is funded through the U.S. Department of Agriculture (USDA). It is available to start-up or growing businesses. A maximum of $25,000 can be applied to equipment and working capital. The amount of time allowed for pay back is generally 5 to 7 years, depending on the loan, and the loan committee can decide on an extension. * City of Madison Micro Loan Program SE Indiana Regional Planning Commission P.O. Box 765 Versailles, IN 47042 812-689-5505 This loan is for start-up or growing small businesses in the area. The maximum of a $25,000 loan can be used for equipment and working capital. The term varies with the loan amount. Funding is from the U.S. Department of Agriculture (USDA). Iowa * SBA Microloan Demonstration Program Siouxiand Economic Development Corporation 428 Insurance Centre 712-279-6286 Sioux City, IA 5 II 02 Fax: 712-279-6920 Eligible applicants are low and moderate-income individuals located in Woodbuly, Plymouth, Cherokee, Ida and Monona counties. This program receives referrals from local banks and community development organizations and assist in funding non-bankable individuals. Loans are from $1,500 to $25,000 with terms from 1-6 years. Funding comes from SBA grant, SEDC cash match, and other SEDC operating surplus and revenue. * Small Enterprise Development Institute for Social and Economic Development 1901 Broadway, Suite 313 319-338-2331 Iowa City, IA 52240 Fax:319-338-5824 This program is focused on low income, ethnic minorities, and women, Receives funds from foundations, corporations, civic and religious organizations, federal and state grants and contracts, and private contributions. The aim is to facilitate the empowerment of disadvantaged populations through the integration of social and economic development strategies. Loans are from $500 to $23,000 with terms from 6 months to five years. The interest rate is 5% for Institute's loans, and 8.5% to 15% for bank loans. * Micro-Enterprise Loan Fund Kentucky Highlands Investment Corporation P.O. Box 1738 London, KY 40743 606-864-5175 The purpose of this fund is to encourage the development of small businesses in counties of Kentucky Highlands. Expansion and start-up for profit businesses that meet the Small Business Administration's size standards are eligible. A maximum loan of $25,000 can be used for working capital and equipment. Borrowers have up to 6 years to repay with a fixed interest rate based on the loan. * SBA Micro Loan Program Community Ventures Corporation 1458 North Broadway 606-231-0054 Lexington, KY 40505 Fax: 606-231-0261 This loan is open to existing micro businesses in Central Kentucky, a 20 county region. Its use is primarily for working capital and equipment. The maximum amount of the loan is for $20,000. The term is determined by the loan. * SBA Microloan Program Siouxiand Economic Development Corporation (SEDC) P.O. Box 447 Sioux City, IA 50102 712-279-6286 Small businesses in and around the 6 counties of Sioux City can apply for this loan. The maximum amount is for $25,000 that is to be paid back in a maximum of 6 years. The interest rate is 10%. Funding is from the Small Business Association. Kansas * SBA Micro-Loan South Central Kansas Economic Development District 209 East William, Suite 300 Wichita, KS 67202-4012 316-262-7033 www.sckedd.org The goal of this loan is to stimulate the economy within the 14 county service area. A maximum of $25,000 is available for a term of 6 years. No funds may be used for the purchase of real estate. Funds are from the Small Business Association. Kentucky * Bluegrass Microenterprise Program Community Ventures Corporation 1450 N. Broadway Lexington, K.Y 40505 606-231-0054 Upon joining the small business training program, you will have access to classes designed to help with specific areas of self-employment and business ownership. Classroom instruction is offered in business feasibility, management, marketing and financial planning. Upon completion of an approved business plan, you may be considered for inclusion in a small loan group, where loans of $500 to $2,500 are made to people operating or starting a small business. * Community Loan Fund Human/Economic Appalachian Development Corp. P.O. Box 504 606-986-8423 Berea, KY 40403 Fax: 606-986-1299 The Community Loan Fund is available to low income individuals and women located in Central Appalachia. Fund has provided loans to new and existing businesses in low-income communities including pilot program targeting welfare recipients and community day care. The aim is to strengthen low-income communities. Receives funds from permanent capital, investments, grants and donations. Loans are from $100 to $25,000 with terms from one to five years. The interest rate is from 8 to 12%. Louisiana Micro Loan Fund Catholic Social Services 1220 Aycock Street Houma, LA 70360 504-876-0490 The area covered by this loan is the Diocese of Houma-Thibodax. A start-up business can borrow up to $1,500 and then borrow more after that loan has been paid off on time. If the business is existing, it can borrow up to 12,000 for the first loan, and more after that. The term is from I to 2 years. Maine * Androscoggin Valley Council of Governments (AVCOG) 125 Manley Rd. 207-783-9186 Aubum, ME 04210 Fax: 207-783-5211 The primary goal of these programs is to stimulate business investment that results in job creation and retention within the Androscoggin, Franklin, and Oxford Counties. Loans are up to $150,000. Terms are for 3-5 years at prime rate plus 1%. Eligible applicants are startups and existing businesses of all kinds. * Aroostook County Action Program, Inc. Fleet Bank Set-Aside P.O. Box 1116 207-764-3721 Presque Isle, ME 04769 Fax: 207-768-3040 This program is available lo individuals who cannot obtain funding through conventional loan programs. Program is for startup and existing micro businesses, and to establish a link to conventional lending channels for each sustained business. Loans are from $1,000 to 110,000. Terms are up to five years at prime rate plus 2%. * Auburn Community Development Block Grant (CDBG) Microloan Lewiston/Aubum Economic Growth Council P.O. Box 1188 37 Park St. 207-784-0161 Lewiston, ME 04240 Fax: 207-786-4412 The Auburn Community Development Block Grant (CDBC) Microloan program is available to startup and existing businesses, manufacturing, distribution, service, non-retail, and low to moderate incomes. Enterprise Fund Coastal Enterprises Inc. (CEI) P.O. Box 268 Wiscasset, ME 04578 207-882-7552 The aim of this fund is to help people with limited resources create their own jobs. Women-owned and child care businesses are typical examples. Loans are from $500 to $50,000. Rates are fixed market rate. Terms are up to 15 years. Funding is from the Ford Foundation, Mott Foundation, state legislative appropriation. Betterment Fund, U.S. Department of Health and Human Services, national churches, Maine Department of Economic and Community Development. * Entrepreneurs With Disabilities Loan Fund Newmarket Tech P.O. Box 724 207-287-7370 Augusta, ME 04330 Fax: 207-287-3038 The Entrepreneurs With Disabilities Loan Fund is available to startup and existing businesses, businesses that create jobs, manufacturing, and people with mental and physical disabilities. Loans are from $500 to $2,000 and terms vary. New market Tech also provides technical assistance. * Maine Centers for Women, Work and Community 46 University Dr. 207-621-3440 Augusta, ME 04330 Fax: 207-621-3429 This microloan is available to startup and existing businesses. Applicants must submit a written Business Plan to a committee. Loans are from $100 to $1,000. Eligible applicants are: family income below $20,000; displaced homemakers; single parents; and people in transition. * Working Capital Program Western Mountains Alliance P.O. Box 29 207-778-7274 Farmington, ME 04938 Fax: 207-778-7247 This loan is based on a peer-lending process. A potential applicant joins a business loan group of 4-10 business owners and applies directly to the group for loans. The group reviews and approves loans. All members must be current on their loans before any group member is eligible for another loan. Available to startup or businesses that projects to have a sustainable idea or product to sell or create. Loans are from 1500-S5,000. Terms are four months to three years at 12%. Applicants must be a member of a peer lending group. * SBA Microloan Program Eastern Maine Development Corporation One Cumberland Place, Suite 300 207-942-6389 Bangor, ME 04401 800-339-6389 www.emdc.org This loan is available only to counties in the area. Businesses that are starting up, expanding, or that need working capital can apply for up to $25,000. The loan includes post-loan technical support to help the owner in being successful. It must be paid back in up to 5 years. * Microloan Fund Biddeford-Saco Area Economic Development Corporation 110 Main Street, Suite 1202 207-282-1748 Saco, ME 04072 Fax:207-282-3149 E-mail: bsaedc@lamere.net www.bsaedc.org The loan is available to any small business in the area with emphasis on women and minorities. The maximum loan is for $25,000 at a fixed interest rate based on the market rate. One hundred percent financing is available up to $15,000. The terms of the loan vary depending on the use of the funds, but on an average are from 5 to 10 years. The Corporation is certified by the Treasury Department as CDFI. * New Ventures Loan Fund Maine Centers for Women, Work, and Community Stoddart House UMA 46 University Drive 207-621-3440 Augusta, ME 043303-9410 Fax: 207-621 -3429 E-mail: wkrose@maine.edu They established this fund to help women become economically successful. In order to apply for funds, women must graduate from New Ventures of Career/Life Planning Training. The loan is for up to $500. The term is from 3 months to one year. After that, borrowers are eligible to apply for another loan. Either start-ups or existing businesses that are low income and create jobs are eligible in the state of Maine. * NMDC Microloan Program Northern Maine Development Commission 302 Main Street 207-498-8736 P.O. Box 779 800-427-8736 (Maine only) Caribou, ME 04736 Fax: 207-493-3108 The purpose of this loan is to provide capital to women, low-income and minority small business owners that cannot get conventional loans. Money may be used for the purchase of machinery and equipment, furniture and fixtures, inventory, supplies and working capital. For loans of $7,500 and less, the interest rate is 10%. Loans over $7,500 have an interest rate of 9%, Applicants are eligible for technical assistance. Call first to be sure your business falls within the guidelines of the Small Business Administration. * Commercial Lending Program Perquis Community Action Program P.O. Box 1162 Bangor, ME 04402 207-973-3500 The Commercial Lending Program offers gap financing. The applicants must fall within the HUD guidelines for low income. One-third of the total amount needed can be applied for, with the maximum loan of $35,000. The term is an average of 5 to 7 years. It is available in Pennobscott and Piscataquis counties * Androscoggin Valley Micro Loan Program Androscoggin Valley Council of Governments 125 Manley Road Auburn, ME 04210 207-783-9186 They call themselves the "Lender of last resorts". This loan can be used by either start-up or existing businesses for things like working capital, equipment. The loan amount is up to $40,000 with a maximum term of 7 years. Collateral, cash flow and a business plan are required. It is available to those in the 3 county service area. * Aroostook County Action Micro Loan Program Aroostook County Action Program Inc. P.O. Box 1166 Presque Isle, ME 04769 207-768-3033 Business owners in the Aroostook County area that meet HUD's median income guidelines can join this program. The maximum loan is $10,000 at 10% for a term of 10 years. Maryland * Business Owners Startup Services (BOSS) Council for Economic and Business Opportunities 800 N. Charles St., Suite 300 410-576-2326 Baltimore, MD 21201 Fax: 410-576-2498 www.cebo.com/ The aim of Business Owners Startup Services (BOSS) is to develop microenterprises via training and funding and to maintain microenterprises through technical assistance, support and funding. Eligible applicants are AFDC recipients, and residents of Housing Authority of Baltimore County. Loans are from $5,000 to $10,000, terms up to two years and interest rate is 10%. Receives funds from SBA, CDBG funds, SEID Grant, state, city, county PI and Title III contracts, and a grant from HUD. * Women Entrepreneurs of Baltimore, Inc. (WEB) 1118 Light St., Suite 202 410-727-4921 Baltimore, MD 21230 Fax: 410-727-4989 Women Entrepreneurs of Baltimore, Inc. (WEB) is a nonprofit organization, and its clients must have a viable business idea and the entrepreneurial spirit to make their business a success. WEB is committed to the economic empowerment of neighborhood women and the revitalization of Baltimore's neighborhoods. The development of microenterprise in Baltimore helps to revitalize these neighborhoods by stopping the dollar drain. The owners serve as strong role models and in some instances provide employment in their communities. Eligible applicants are economically disadvantaged women in Baltimore City. Loans are up to $500 with terms from three to six months. The interest rate is at 10%. WEB receives funding from foundations and bank contributions. Massachusetts * Hilltown Enterprise Fund Hilltown Community Development Corp. 432 Main Rd. #A 413-296-4536 Chesterfield, MA 01012 Fax: 413-296-4020 This fund receives funding from state and federal grants, loans from individuals. Western Massachusetts Enterprise Fund, and contributions. The aim is to promote rural cooperation and to ensure the best quality of life for all Hilltown residents. This is available to individuals with limited resources who wish to start or expand a business. Loan amounts are from $500 to $10,000 with loan terms at three years. The interest rate is 12%. For Hilltown residents only. * Microenterprise Development Program Brightwood Development Corporation 2345 Main St. 413-734-2144 Springfield, MA 01107 Fax: 413-746-3934 This program's aim is to provide affordable housing and economic development to low and moderate income Hispanics and Puerto Ricans. Program is presently assisting eight new businesses to start in a low-income community. Loans are from $500 to $15,000. Terms are from three to five years. The interest rate is at 10%. Receives funds from the City of Springfield, Springfield Chamber of Commerce, SBA, and HUD. * Microenterprise Training and Loan Program for Refugees Jewish Vocational Service 105 Chauncy St., 6th Floor 617-451-8147 Boston, MA 02111 Fax:617-451-9973 Program receives funds from the Office of Refugee Resettlement and the Jewish Vocational Service. Provides refugees the opportunity to create their own jobs within the communities in which they live. Vulnerable populations, such as the disadvantaged and disabled, are the agency's priority. Loans are from $100 to $5,000 with terms from six months to three years. The interest rate is at prime rate plus 4%. * New Bedford Working Capital Network Community Economic Development Center 166 William St. 508-999-9920 New Bedford, MA 02740 Fax: 508-990-0199 Eligible applicants are low and moderate income, racially and culturally diverse individuals. Small loans provide needed resources to these individuals who would not have funds to invest in their businesses. Loans are from $500 to $10,000 with the interest rate at 12%. Funding comes from credit through Fleet Banks, operating funds from Working Capital Institute for Cooperative Community Development, other banks, and private foundations. *Hampton City Employment and Training Consortium Springfield Business Development Fund (SBDF) 1176 Main St. Springfield, MAO II 03 413-781 -6900 Eligible applicants are low and moderate income, and minorities located in Springfield. SBDF provides secondary loans to small business for startup or expansion within the City of Springfield. It receives funding from the Small Business Administration and the Economic Development Administration. Loans are from $10,000 to $50,000 with terms from 5 to 20 years. The interest rate is at 6%. * Hilltown Enterprise Fund Hilltown Community Development Corporation P.O. Box 17 Chesterfield, MA 01012 413-296-4536 The Hilltown Enterprise Fund is available to the 11-town area around Hilltown for businesses that cannot otherwise get funding. Amounts from $500 to $15,000 are available at 12% interest. The terms of the loan are 6 months to 5 years, depending on the amount loaned. Funds come from local people. * Working Capital Program Working Capital 99 Bishop Alien Drive Cambridge, MA 02139 E-mail: infor@workmgcapital.org 617-576-8620 www.workingcapital.org Fax: 617-576-8623 Borrowers join a business loan group which control the lending process. Working Capital's loans are set up in steps with each amount having a different repayment time. They start off at $500 and go in steps up to $10,000, in some cases they will go as high as $20,000. There is a 16% interest rate for processing loans. Members also can also take advantage of the business programs and network with other business owners. This is for the greater Boston area. * Micro Loan Twin Cities Community Development Corporation 195 Kimball Street Fitchburg, MA 01420 978-342-9561 The goal of this fund is to increase economic development and income, and to create assets and jobs. It is available to business owners that have low to moderate incomes and do not fall within conventional loan guidelines. The business must be in operation for at least one year and located in the Fitchburg area. The loan amount is up to $50,000 with a term of 3 to 10 years. The interest rate is 12%. * Small Business Loan Fund Dorchester Bay Economic Development Corporation 594 Columbia Road, Suite 302 617-825-4200 Dorchester, MA 02125 Fax: 617-825-3522 E-mail: DBSBAP@aol.com This loan is open to residents or small businesses located in Dorchester. It is also available to a client that comes through a Community Development Corporation in another community. They also help with technical assistance, credit repair, financial planning, and more. The maximum loan amount is $25,000. The term is up to 5 years with a compounded interest rate. * Cambodian American League Fund Cambodian American League of Lowell, Inc. 60 Middlesex Street Lowell, MA 01852 978-454-3707 After a 7-week training program, small business owners must submit a business plan with their application for a loan. The loan amount is a maximum of $5,000. The loan must be paid back from one to two years, depending on the loan. * Greater Springfield Entrepreneurial Fund Hampden County Employment and Training Consortium 1176 Main Street Springfield, MA 01103 413-781-6900 ext. 227 This fund is available to the people in Hampden county except for the Chicopee and Chester areas. Small business owners can apply for a maximum of $25,000. It must be repaid in up to 5 years. The interest rate is 8%. * SEED Micro Loan Program South Eastern Economic Development Corporation 88 Broadway Taunton, MA 02780 508-822-1020 The eligible business types for this loan are manufacturing, retail, wholesale, and service. The money can be used for working capital, real estate for the use of the small business, and for machinery and equipment. The loan amount is up to $25,000 with a term up to 5 years. The interest rate is usually the market rate. The business must show potential for creating jobs, especially for low to moderate-income people. The service area of SEED is Bamstable, Bristol, Dukes, Plymouth and Nantucket counties. Michigan * Wise Program Ann Arbor Community Development Corp. 2008 Hogback Rd., Suite 12 313-677-1400 Ann Arbor, MI 48105 Fax: 313-677-1465 The WISE Program is to encourage small business development among women/minorities. This program assists women to become self-sufficient through self-employment. Loans are from $500 to 17,000. Terms are from 6 months to 7 years. Interest rate is prime rate plus 1%. Closing costs can be included in the amount of the loan. Receives funding from the City of Ann Arbor, Mott Foundation, U.S. Department of Health and Human Services, Michigan Women's Foundation, and the Community Foundation of Southeastern Michigan. * Lansing Community Micro-Enterprise Fund 520 West lonia 517-485-4446 Lansing, MI 48933 Fax: 517-485-4761 To become eligible for this loan, the borrower must meet the criteria for low to moderate income and live in the City of Lansing. Or, the location of their business or residence must be within the City of Lansing where 70% or more of households are low to moderate income. They must also show that LCMF is the best loan option. The loan amount is $500 to $10,000. The term is from 12 months to 4 years at a 7% interest rate. A business training program is available, but not required. * Project Invest Northwest Michigan Council of Governments 2194 Dendrinos Drive P.O. Box 506 231-929-5000 Traverse City, MI 49685-0506 Fax: 231 -929-5012 www.cog.mi.us The goal of this program is to help entrepreneurs develop successful small businesses to create income and possible employment for others. To achieve this, a borrower must complete the Enterprise Development Workshops. After that, a loan of between $250 to $1,500 can be sought. Borrowers must meet with a loan advisor monthly. Minnesota * Arrowhead Microenterprise Program Airowhead Community Economic Assistance Corporation 702 Third Ave. S. 218-749-2914 Virginia, MN 55792-2775 Fax: 218-749-2913 The aim of this program is to assist with startup or expansion of local businesses that increase employment opportunities, that retain existing jobs, identify and develop local skills and talents, and that provide economic opportunity for unemployed, low income and minority citizens. Loans are from $500 to $10,000. Terms are from 90 days to 10 years. The interest rate is a minimum 8%, and is adjusted annually. Receives funds from federal, state and county funds, private loans, and revenue from operations. * Business Development Services Women Venture 2324 University Ave., Suite 200 St. Paul, MN 55114 651-646-3808 Fax: 651-641-7223 The aim of this service is to secure a stronger economic future for women through employment, career development, business development, and financial responsibility. Eligible applicants are women, with particular interest in reaching low-income women. Loans are from 150 to $25,000 with terms from three months to five years. The interest rate is at 10%. Women Venture receives funding from SBA Microloan Demonstration Grant, state and federal grants, and foundations. * Emerging Entrepreneur Development Program Northwest Minnesota Initiative Fund 4225 Technology Dr. 218-759-2057 Bemidji, MN 56601 Fax: 218-759-2328 Although this program is available to everyone, it targets women, minorities and low-income individuals. The mission is to improve the quality of life for the people who live and work in NW Minnesota. This program provides opportunities for self-employment and the establishment of new businesses which makes it economically feasible for people to remain in the region. Loans are from $136 to $13,500, terms from one month to five years. The interest rate is 8%. Program receives funding from the SBA and The McKnight Foundation. * Northeast Entrepreneur Fund, Inc. 820 Ninth St., N., Suite 140 218-749-4191 Virginia, MN 55792 Fax: 218-741-4249 This is available to unemployed and underemployed individuals. This Fund helped to revitalize a rural region that has experienced severe economic dislocation in the last 15 years, and helped start or expand over 120 microbusinesses. The purpose is to encourage economic self-sufficiency through the growth of small businesses. Loans are from $100 to $100,000 with terms from 60 days to three years. Funds come from foundations, loans, contracts, fees, and interest. * Revolving Loan Fund (RLF) North Star Community Development Corporation 604 Board of Trade Building 301 West First St. Duluth,MN 55802 218-727-6690 North Star CDC is a community based economic development organization providing assistance to small businesses. Focus is placed on assisting low and moderate income individuals to achieve economic self-sufficiency. Loans are from $400 to $20,000 with the terms from 90 days to 5 years. The interest rate is 8%. Funding comes from the Community Development Block Grant. Only for those residing within the city limits of Duluth. * Self-Employment Training Opportunities (SETO) Women Venture 2324 University Ave., Suite 200 651-646-3808 St. Paul, MN 55114 Fax:651-641-7223 Eligible applicants are women, with particular interest in low-income women. The aim of SETO is to secure an economic future for women through employment, career development, business development, and financial responsibility. Loans are from $50 to $25,000 with terms from three months to five years. The interest rate is at 10%. Women Venture receives funding from SBA Microloan Demonstration Grant, state and federal grants, and foundations. * Child Care Provider Loan Arrowhead Community Economic Assistance Corporation 8880 Main Street P.O. Box 406 218-735-8201 Mountain Iron, MN 55768-0406 Fax: 218-735-8202 E-mail:aceac@rangenet.com ACEAC's goal is to help start-up and expansion of local businesses in order to create economic opportunities for the area residents. The child care loan is offered between $300 and $7,000. Generally, repayment is from 2 to 3 years. The interest rate is 3 to 8% depending on the borrower's adjusted gross income. Priority is given to people who are open during non-traditional hours, people who care for children with disabilities, and those who operate in areas with a lack of child care. Technical support is available throughout the loan. * Micro Enterprise Loan Program Neighborhood Development Center 651 1/2 University Avenue 651-291-2480 St. Paul, MN 55104 Fax:651-291-2597 Small business and start-up loans are available to businesses in the cities of Minneapolis and St. Paul for up to $10,000. First, a 16-week NDC business training program must be completed. Repayment is up to 5 years at 10% interest rate. Business owners that have income below area median for their area are eligible. * Northeast Entrepreneur Fund Northeast Entrepreneur Fund 820 Ninth Street North 218-749-4191 Virginia, MN 55792 Fax: 218-749-5213 This fund is offered to small business owners that do not have reasonable access to other sources of money. The business must be located in, or the owner must be a resident of, the seven-county Arrowhead Region of northeast Minnesota. For a start-up or expansion of a business up to $100,000 may be requested. Repayment period varies from 30 days to 6 years. The interest is at market rate. * Revolving Loan Fund North Star Community Development Corporation 301 West First Street, Suite 604 Duluth, MN 55802 218-727-6690 This loan is for low to moderate-income business owners. Currently, it serves the Duluth area, but it is expected to expand those boundaries soon. Up to $20,000 can be borrowed at 8% interest. The term of the loan is a maximum of 5 years. * Micro Loan Phillips Community Development Corporation 1014 East Franklin, Suite #l 612-871-2435 Minneapolis, MN 55404 Fax: 612-871-8131 This loan is for general small businesses in the 8 neighborhood areas. The business must have been in operation for at least one year. Equity is required for a loan up to $10,000. The rate is 5 years with an interest of Prime plus 3%. * Dayton Hudson Artists Loan Fund Resources and Counseling for the Arts 651-292-4381 308 Prince Street, Suite 270 Fax: 651-292-4315 St. Paul, MN 55101 TTY: 651-292-3218 www.rc4arts.org This program is a community based revolving loan program for artists who cannot find traditional funding. It is available to those in the Minneapolis-St. Paul metro area. A loan of $ 1,000 to $5,000 with a term of 12 to 36 months can be applied for. The interest rate is 1% over Prime. The money can be used for artistic development and the artist's business development. * Micro Loan Program Northwest Minnesota Foundation 4225 Technology Drive, NW Bemidji, NM 56601 www.nwnf.org 218-759-2057 Fax: 218-759-2328 This loan is offered in order to help to develop small businesses and to create self-employment. It is available in the 12 extreme counties of Northwest Minnesota. Up to $20,000 can be applied for with a term of up to 5 years. This is open to either start-up or existing small businesses. Mississippi * SBA Loan Women Venture 2324 University Avenue St. Paul, MN 55114 651-646-3808 This loan is available to help women to gain economic success. It is offered to new or existing small businesses in the 14 county service area. The amount of the loan is from $200 to $25,000 and technical assistance is given with it. The term is 30 days to 6 years with the interest up to 4 percent over prime. Fifty percent collateral is required. * Small Farm Loan Alcom State University Small Farm Development Center 1000 ASU Drive #1080 601-877-6449 Alcom State, MS 39096-7500 Fax: 601-877-3931 The Small Farm Loan is used to give short-term loans to small farmers. The money can be used for agriculture related expenses. The applicant must have a minimum farming experience of one year or have an educational background. Additionally, the farmer must have been turned down by 2 or more creditors. Repayment terms are from I to 5 years. There is a I to 3% service fee for approved loans, but the interest rate is 0%. Preference is given to emerging crop enterprise. * SELF Loan Fund Bconomic Alternatives P.O. Box 5208 Holly Springs, MS 38634 601-252-1575 This microloan targets low to moderate-income people. The business can be either just starting or an existing one. The loan amount is $500 to $2,500, with a 2-month grace period. The term is for not beyond 3 years with a 5% interest rate. This is available to businesses in Marshall and Benton counties. Funding is from USDA and private foundations. Missouri * Microloan Program First Step Fund 1080 Washington, Suite 204 816-474-5111 Kansas City, MO 64105 Fax: 816-472-4207 This loan is only for the graduates of the business training program that are members of the Alumni Group. They must also fall within the federal low to moderate income guidelines. A maximum loan for a first time borrower is $2,500; the next level of loan is up to $5,000. This money can be used for supplies and/or equipment. The average loan is 2 years. The interest rate is the prime rate. The loan is approved by the Borrowers' Group. * SBA Microloan Program Rural Missouri, Inc. 1014 Northeast Drive 800-234-4971 Jefferson City, MO 65109 Fax: 573-635-5636 The SBA Microloan Program is for start-up and expanding businesses to provide funds for working capital, inventory, supplies, furniture, fixtures, machinery and/or equipment. The loan amount is from $500 to $25,000. The term is I to 5 years with an interest rate that is NY Prime plus 3%. Technical assistance is given on a one to one basis. Montana * Action for Eastern Montana - Microbusiness Loan 2030 N. Men-ill Glendive, MT 59330-1309 406-377-3564 Action for Eastern Montana receives funds from the Montana Department of Commerce, banks, utilities. Rural Conservation and Development District, and small business donations. The mission is to help create a flourishing microbusiness climate. Eligible applicants are low income, women and minorities. Loans are from $500 to $20,000, interest rate are prime plus 2%. Closing costs/fees can be included in the loan. * Montana Microbusiness Finance Program Montana Department of Commerce 1424 9th Ave. 406-444-3494 Helena, MT 59620 Fax: 406-444-2808 Eligible applicants are minorities, women and low income individuals. The goal is to provide disadvantaged individuals with self-employment opportunities. Loans and terms vary. Receives funds from State legislative appropriation from in-state investment fund, local capital, and operating budget. * Montana Women's Economic Development Group (WEDGO) Women's Opportunity and Resource Development 127 N. Higgins 406-543-3550 Missoula, MT 59802 Fax: 406-721-4584 Aim is to provide business assistance services including training, consulting and capital access, targeting low and moderate income women. It works with community teams planning and implementing timber diversification strategies, and employ business assistance specialists to assist entrepreneurs. Loans are up to $35,000, terms up to five years. Interest rate is 1-2% above market rate. Receives funds from city, county, and state government, Ms. Foundation, Department of Health and Human Services, and US West Foundation. Only for residents of western Montana. * Opportunities, Inc. - Microbusiness Finance Program Opportunities, Inc. P.O. Box 2289 Great Falls, MT 59403 406-761-0310 Eligible applicants are those unable to receive loans from conventional sources. The purpose is to stimulate better coordination among available federal, state, local and private resources to enable low income families and individuals in rural and urban areas, to attain the skills and motivations they need to secure opportunities necessary to become self-sufficient. Loans and terms vary. * Microbusiness Loan District 7 Human Resources Development Council P.O. Box 2016 Billings, MT 59103 E-mail: dist7hrdc@imt.nel 406-247-4710 www.imt.net/~dist7hrdc Fax: 406-248-2943 This loan program is available to start-up and existing micro businesses in Big Horn, Carbon, Stillwater, Sweetgrass and Yellowstone Counties. The amount that can be applied for is from $500 to $35,000 with the average term being 36 months. The money can be used for equipment, working capital, and property. There is also technical assistance and training available. Nebraska * Rural Enterprise Assistance Project Center for Rural Affairs P.O. Box 406 402-846-5428 Walthill, NE 68067 Fax: 402-846-5420 The aim of this project is to demonstrate and implement programs to meet the long-term needs of existing and potential small businesses to succeed in rural areas of Nebraska. Loans are from $100 to $10,000; terms from 6 months to two years. Interest rate is prime rate plus 1% and 4%. It receives funding from the Ford Foundation, Mott Foundation, SBA Grant, The Aspen Institute, and Share Our Strength. * Rural Business Enterprise Program Central Nebraska Community Services, Inc. 626 N Street P.O. Box 509 308-745-0780 Loup City, ME 68853 Fax: 308-745-0824 E-mail; cncsbd@micrord.com The goal of this loan is to maintain or increase employment in Central Nebraska. Small business loans are available from 1500 to 115,000 to small and emerging businesses. The term is a maximum of 5 years at a fixed interest rate. Free consulting services are also provided. * Northeast Nebraska Microloan Fund Northeast Nebraska Economic Development District 111 South 1st Street 402-379-1150 Norfolk, ME 68701 Fax: 402-378-9207 www,nenedd.org/mbu.htm A For Profit Micro business in Northeast Nebraska can apply for this loan. for each $20,000 borrowed, one job must be created. And of those, at least 51% of the jobs retained must be for low to moderate-income employees. Security is required for the loan of 110,000 to $25,000, which must generally be paid back within 5 years. The interest rate is fixed by NNEDD. * Small Enterprise Economic Development Loan (SEED) Mid-Nebraska Community Services, Inc. 16 West 11th Street P.O. 2288 Keamey, NE 68848 308-865-5675 The borrower is asked to attempt conventional financing first. If that fails, they can apply for a loan up to $5,000. The term is a maximum of 5 years with a fixed interest rate. This is available to a 27 county area in South Central Nebraska. With the funding that comes from the USDA, the loan maximum is $15,000 within a 10 county area. * Lincoln Action Program Loan Lincoln Action Program 2202 South 11th Lincoln, NE 68502 402-471-4515 This loan targets small business owners that are in the low-income bracket. They use a pure lending peer group system. The loans are given in steps; they start small with a shorter term and when that is repaid, the next loan is larger, and so on. The maximum loan is $2,000. This is available to Lancaster County. * Micro Loan Program New Community Development Corporation 3147 Ames Avenue Omaha,NE 68131 402-451-2939 The goal of this program is to tiy and make loans available to a population that has been historically denied access to capital. The loan is available in the amounts of $100 to $10,000 for up to 36 months. Each loan level comes with a different origination fee and fixed interest rate. The eligible area is mainly North Omaha. * Rural Enterprise Assistance Project (REAP) Center for Rural Affairs 101 Tallman P.O. Box 406 402-846-5428 Walthill, ME 68067 Fax: 402-846-5420 REAP is designed to enhance the formation of local businesses and to invest in local people and the future of the community. Local communities form an association of members between 5 and 20 people. They meet for monthly training, support, networking and reviewing of loans. The committee can loan funds between the amounts of $100 and $10,000. This is done by step-up borrowing, with the first time amount up to $2,000. The next loan amount can be doubled up to $10,000. The interest for the first 2 loans is Prime +1%, and after that it is Prime +4%. * Micro Business Training and Development Project Catholic Charities- Juan Diego Center 5211 South 31st Street Omaha, ME 68107 402-731-5413 Applicants must go through the training and development program either here or at their sister agency. Generally, this is for start-up businesses, but an existing one will be considered if it has been operational for 3 years, with 3 years of tax returns. The funds available are from $250 to $1,000, but they will go up to $3,000 with sufficient reason. It may be used for inventory, operating expenses, and equipment. Available in their service area only. * Self Employment Loans Fund of Lincoln Lincoln Partnership for Economic Development P.O. Box 83006 402-436-2350 Lincoln, ME 68501-3006 Fax: 402-436-2360 www.lped.com This program is available to low or moderate income business owners. They must join a Business Loan Group where the group meets monthly for assistance, networking, and loan processing. The loans are given in steps where the first amount is a maximum of $1,000. The next loan can be doubled and so on, for a maximum of $10,000. These loans are not based on credit history, but character. This program is available in Lincoln Partnership for Economic Development's (LPED) service area. Nevada * Nevada Microenterprise Initiative Microloan Funds Nevada Microenterprise Initiative 116 East 7th Street, Suite 3 702-841-1420 Carson City, NV 89701 Fax: 702-841-2221 It is the goal of the Nevada Microenterprise Initiative to strengthen the economic and quality of life of low and moderate-income business owners in the state of Nevada through training, technical assistance, and loans. For those people that cannot get commercial funding, they must attend NMI's workshop before applying for a loan. A start-up business can borrow up to $7,500, for existing or returning borrowers, the maximum loan is $25,000. The term either is up to 36 or 72 months, depending on the loan. After that, they meet with an advisor once a month. New Hampshire * Working Capital-MicroenterprisePeer Lending New Hampshire Community Loan Fund 7 Wall St. 603-224-6669 Concord, NH 03301 Fax: 603-225-7254 This program is available to low and moderate income individuals in the Concord area. It assists underserved individuals in meeting their own basic economic needs by complementing and extending the reach of conventional lenders and public institutions. Loans are from $500 to $5,000 with the interest rate at 12%. This fund receives funding from commercial banks. * Working Capital New Hampshire Community Loan Fund 7 Wall Street 603-224-6669 Concord, NH 03301 Fax: 603-225-7425 This program was created to increase the income and success of small business owners. They use a peer lending system where members apply for loans from their group. All members must be current on their loans for any member to apply for another loan. The available loans are from $500 to $5,000. Call for the service area covered. * Citizens Bank Women Business Owners' Loan Fund Women's Business Center 150 Greenleaf Avenue, Unit 8 Portsmouth, NH 03801 603-430-2892 The Women's Business Center (WBC) is designed to encourage and support women in all phases of enterprise development in order to create economic development. Technical assistance and workshops must be attended in order to become a member. After that, a loan from $10,000 to $100,000 can be requested if the business is also owned by at least 51% of women. The money can be used for start-up, relocation, and working capital to expand and /or purchase equipment and/or inventory. * Working Capital Women's Rural Entrepreneurial Network (WREN) 2013 Main Street P.O. Box 331 603-869-9736 Bethlehem, NH 03574 Fax: 603-869-9738 E-mail: WREN@connriver.net This program has been created to support self-employed members and to give small business loans. The peer group lending system is used so that the business owner becomes a member of the group where the loan is reviewed. The amount starts at $500 and has a $5,000 maximum. After that, there are meetings where the group gets a report as to how the loan is being used. This is for both start-up and existing businesses in the area. New Jersey * Micro Loan Trenton Business Assistance Corporation (TBAC) 36 Broad Street 609-396-8271 Trenton, NJ 08608 Fax: 609-396-8603 E-mail: tbacsba@earthlink.net www.trentonj.com/tbac.html About 70% of the funds offered by TBAC are loaned to women and minority business owners. At least 50% of the loans are made to businesses owned by women. The loan amounts are up to $25,000 with a maximum term of 5 years. The interest rate is 10.5%. The for-profit business must be located in Mercer, Burlington, or Hunterdon counties. New Mexico * Women's Economic Self-Sufficiency Team (WESST Corp.) Women's Economic Self-Sufficiency Team 414 Silver SW 505-848-4760 Albuquerque, MM 87102-3239 Fax: 505-848-2368 The aim of Women's Economic Self-Sufficiency Team (WESST Corp.) is to help women in New Mexico achieve economic self-sufficiency through sustained self-employment. Eligible applicants are low income women and minorities located in the State of New Mexico. Loans are from $500 to $7,000 with terms from 30 days to 5 years. The interest rate is at prime rate plus 2-4%. WESST Corp. receives funding from Seton Enablement Fund, SBA Microloan Demonstration Program, and in-kind contributions. * Micro Loan Program ACCION #20 First Plaza NW, Suite 417 Albuquerque, NM 87102 505-243-8844 The main focus of this loan is to aid those businesses in urban or low-income areas of the Albuquerque area. Traditionally, these owners cannot get funding from banks. The loans are from $100 to $50,000. The repayment depends on the type of loan. The interest rate is from 11% to 14%. Technical assistance is also available. New York * Adirondack Entrepreneurial Center Adirondack Economic Development Corporation P.O. Box 747 518-891-5523 Saranac Lake, MY 12983 Fax: 518-891-9820 The mission is to promote the development of small business. Loans are from $500 to $150,000, with flexible terms and rates. Eligible applicants are low income, women, minorities, and rural entrepreneurs. Receives funds from the Small Business Administration, Farmers Home Administration, Adirondack North County Association, MY State Urban Development Corporation, Rural Economic Development Program, and the Department of Economic Development Entrepreneurial Assistance Program. * Entrepreneurship Training Program Worker Ownership Resource Center, Inc. 400 E. Church St. 607-737-5212 Elmira, MY 14901 Fax: 607-734-6588 This program assists low income and minority entrepreneurs to start businesses in their communities and to build personal and business assets. Eligible applicants are persons with household income below WIC guidelines and minorities. Loans are from $100 to $5,000 with terms from 6 months to two years. Interest rate is 12%. Receives funding from Diocese of Rochester, and Campaign for Human Development. * Micro-Enterprise Loan and Assistance Program Church Avenue Merchants Block Association 885 Flatbush Ave., Suite 202 718-287-0010 Brooklyn, MY 11211 Fax:718-287-2737 The Micro-Enterprise Loan and Assistance Program is devoted to recently arrived refugees. Goal is to enable low income persons attain self-sufficiency through microenterprise development. This program makes loans to persons who have limited or no access to capital for small businesses. Loan amounts are up to $5,000. Terms are 12 or 18 months, with an interest rate at 14%. For residents of New York City. * Minority and Women Business Development Center Urban League of Rochester, New York, Inc. 215 Tremont St., Door #4 Rochester, NY 14608 212-803-2418 The aim is to provide training, counseling, and technical assistance to minorities and women seeking to start their own businesses. Loans are from $2,000 -$50,000; terms from 1-5 years. Interest rate is prime rate plus 1-2.5%. Receives funds from the Urban Development Corp., and NY State Department of Economic Development Entrepreneurial Assistance Program. Only for residents of greater Rochester - Monroe County. * Neighborhood Micro-Loan Program Ridgewood Local Development Corporation 59-09 Myrtle Ave. 718-366-3806 Ridgewood, NY 11385 Fax: 718-381-7080 The Neighborhood Micro-Loan Program serves neighborhood retailers, small manufacturers, professionals and health care providers, service businesses. and young businesses and businesses owned by minorities and women. Program is used to contract startup costs, storefront improvements, and purchase new equipment. Loan amounts and terms vary. Only for residents of the greater Ridgewood area in Queens, NY. * Queens County Overall Economic Development Corporation - NY State Department of Economic Development Entrepreneurial Assistance Program Queens County Overall Economic Development Corp. 120-55 Queens Blvd., Suite 309 718-263-0546 Kew Gardens, NY 11424 Fax:718-263-0594 This program provides a package of services to encourage and train would be entrepreneurs; to support and assist new startup businesses in surviving the first two years of business, and assist existing businesses with their relocation and/or expansion efforts. Eligible applicants are low income and minority residents of Queens. Loans and terms vary. Funding comes from seven banks and equity investors, borough presidents, city and state agencies. * Regional Economic Development Assistance Corporation Mini Loan Program New York City Economic Development Corporation 110 William St. New York, NY 10038 212-618-8900 This program is for small/startup service, retail, contractor, manufacturing businesses. Loans are available for machinery and equipment, leasehold improvements, real estate acquisition and working capital. Loans are from $5,000 to $50,000. Terms are two to five years. Interest rates are prime rate plus 1.5%. * Rural Ventures Fund Rural Opportunities, Inc. 400 East Ave. 716-340-3387 Rochester, NY 14607 Fax: 716-340-3337 Eligible applicants are low and moderate income individuals denied access to bank credit. The aim is to promote self-sufficiency and economic independence through the creation and expansion of small businesses and microenterprises. Loans are from $3,000 to $50,000 with terms from 3 to 60 months. The interest rate is up to 15%. Funding comes from FmHA Industrial Development Grant, SBA Microloan Demonstration Program, CDBG funds, and New York State. For residents of upstate New York, primarily rural and small communities. * WORC Loan Fund Worker Ownership Resource Center One Franklin Square Exchange Street 315-789-5061 Geneva, MY 14456 Fax: 315-789-0261 www.atworc.org Worker Ownership Resource Center (WORC) funds are available to people with low to moderate income. In order to be considered for a loan, a training program through the center must be completed. Five thousand dollars is the maximum amount for first time borrowers. After half of that has been paid off on time, additional funds may be applied for. Only the interest is required during the first 3 months of a new loan. After that, repayment is normally 2 years. That may be extended for loan over $5,000. Interest is the prime lending rate at closing. The business or owner must reside in the 10 county service area. * Manhattan Loan Fund Manhattan Borough Development Corporation 15 Park Row, Suite 510 212-791-3660 New York, MY 10038 Fax: 212-571-0873 The Manhattan Loan Fund is available to moderate-income business owners located in Manhattan. The amounts of the loan are from $5,000 to $25,000. It can be used for leasehold improvements, machinery and equipment and working capital. The terms are 6 months to 5 years at 10.5% interest. * Micro Loan Program Project Enterprise 2303 7th Avenue New York, NY 10030 212-690-2024 This program is for microentrepreneurs in the Brooklyn and Harlem areas that live at or below the poverty level, in order that they can increase their incomes and improve the quality of their lives. A group of peers build up a Group Savings Fund, which is used for loans to members of the group at no interest. Bi-weekly meetings must be attended. The first loan is for a maximum of $750 for 5 months or $ 1,500 for 12 months. After that the loan amount doubles with a maximum of $10,000. A good credit record or collateral is not needed to enroll in this program. * ACCORD Business Development Program ACCORD Corporation 50 West Main Street 716-973-2322 Friendship, MY 14739 Fax: 716-973-3014 E-mail: RVC_Fedz@eznet.net To be able to apply for a loan, a 10-week course or equivalent independent study must be completed. It is available to business owners that fall within HUB'S low to moderate-income levels. It is for start-up or existing businesses that need money for working capital, real property, and equipment. Up to 125,000 can be applied for with the term varying. It is offered in Allegany County. * Micro Loan Program ACCION New York 235 Havemeyer Street Brooklyn, MY 11211 718-599.5170 E-mail: accionnewyork@compuserve.com www.accion.org ACCION does not require that a business be formal in their operation. It is preferred that they have been in business for at least I year. The loan is from $5,000 to $25,000 with a term of 3 months to 24 months. The interest is amortized on a monthly basis. This is available to businesses in New York City that cannot get conventional lending. * Appleseed Trust Microcredit Group of Central New York 222 Herald Place, 2nd Floor 315-424-9485 Syracuse, NY 13202 Fax: 315-424-7056 It is the mission of this program to assist low and moderate-income residents in this community to start, expand, or improve their business through training, support, and loan access. Members must join a Peer Group where they can apply for a first loan of up to $500. The money can be used for equipment, materials, or advertising and promotions. Expansions and additional loans can be sought for up to $5,000. * Trickle Up Program Trickle Up 121 West 27th St., Suite 504 New York, MY 10001 212-362-7958 Over 75% of the recipients of this program either have no credit or bad credit history. Entrepreneurs are given $700 in conditional start-up capital in two installments. For the first $500, they must complete a Business Plan, agree to spend a minimum of 250 hours per person over a 3 month period, and save or reinvest at least 20% of the profits in the business. At the end of three months, and when all of the requirements have been met, they can receive the final $200. Most of the recipients work out of their homes. North Carolina * Child Care Providers Self-Help 800-476-7428 301 W. Main St. 919-956-4400 Durham, NC 27701 Fax- 919-956-4600 www.self-help.org This is a special loan program created by the NC Division of. Child Development to help an individual get started or expand, buy indoor or outdoor equipment, upgrade buildings, and improve a particular program's quality. These loans have a below market, fixed interest rate of 5%, and no minimum/maximum loan size. Eligible applicants are anyone who runs or wants to run a registered and licensed child care program that serves or is willing to serve subsidized children. * Good Work Good Work 115 Market St.#211 919-682-8473 Durham, NC 27702 Fax: 919-687-7033 The aim is to be a resource for those who want to start or expand their small businesses. Eligible applicants are startup and small businesses. Loans arc from $ 100-$ 10,000 with terms from three months to three years. Interest rate is 13%. Receives funds from Self-Help Credit Union, foundations, and churches. * Microbusiness Development WAMY Community Action, Inc. P.O. Box 2688 828-264-2421 Boone, NC 28607 Fax: 828-264-0952 This program allows low-income persons to begin or expand small business efforts in an area where few jobs are available. Eligible applicants are persons below poverty level located in Watauga, Avery, Mitchell and Yancey counties only. Loans are from $500 to $10,000; terms and interest rates vary. * Mountain Microenterprise Fund 29 1/2 Page Ave. 828-253-2834 Asheville, NC 28801 Fax: 828-255-7953 Eligible applicants are women and minorities, and low income persons. The aim is to create small businesses and microenterprises through a program of Financial and technical assistance. Funding is from NC General Assembly, operating budget, Dogwood Fund, NC Rural Economic Development Center, and the Z. Smith Reynolds/Janirve Foundations. Loans are from $200-$25,000; terms vary. * North Carolina Microenterprise Loan Program (NCMLP) NC Rural Economic Development Center, Inc. 4021 Carya Dr. 919-250-4314 Raleigh, NC 27610 Fax: 919-250-4325 The North Carolina Microenterprise Loan Program (NCMLP) is one of the largest microenterprise loan funds in the country. It's funded by public and private sources. It offers financing and support for the startup and expansion of small businesses for residents of the 85 counties defined as rural in NC. Borrowers have included mechanics, seamstresses, crafts people, janitorial service operators, building contractors, and retailers. Loans are from $350 to $25,000. * Northeastern Community Development Corporation 154 Highway 158 East 252-338-5466 Camden, NC 27921 Fax: 252-338-5639 The mission of this fund is to make funding available to craft artisans to startup or expand their businesses. The Fund works with low-income people who need loans to buy equipment/supplies in order to begin making crafts, or who need working capital for expanding their business. Loans are from $50 to $750 with terms from one to three months. The interest rate is prime rate of 2%. This fund receives funding from the Ms. Foundation. * West Greenville CDC Micro Loan Program West Greenville Community Development Corp. 706 West 5th St. P.O. Box 1605 Greenville, NC 27835-1605 252-752-9277 Eligible applicants are women, and other high risk borrowers. The aim is to increase economic index in target counties. Loans and terms vary. Also provide business training and planning, individual business counseling, peer support, and mentoring. This program receives funding from the NC Rural Economic Development Center. * Micro Loan Mountain Microenterprise Fund (MMF) 291/2 Page Avenue Asheville, NC 28801 www.mtnmicro.ore Either a secured or unsecured loan is available to those small business owners that cannot set a conventional loan through a bank. For an unsecured loan. $99-$l,500 can be applied for. The first level for a secured loan is $99 to $2,500. After that has been repaid up to $5,000 can be sought. The last level of the loan is for up to $8,000. The repayment varies from 12 months to 36 months for the larger loans. Most of the funding comes from the Rural Economic Development Center. * Micro Loan Good Work, Inc. P.O. 25250 Durham, NC 27702 919-682-8473 While the target of this loan is low-income minority small business owners, anyone in the service area can apply. In order to be eligible, a technical training class through the company must be completed. The loan amounts are $1,000 to $10,000. The term is from 6 to 12 years. The interest rate is 13%, but is negotiable depending on the loan size. * Microenterprise Loan Program North Carolina Rural Economic Development Center 4021 Caiya Drive Raleigh, NC 27610 919-250-4314 The goal of this program is to help rural people become self-sufficient. It offers loans to people that could not get conventional funding in order to start-up or expand their business. Loans up to $25,000 are available. With this program, five local lending sites have group-based lending programs. The business owner joins into a group where they are involved in training and get certification. Each group controls the loan payments. This is for small businesses in the 85 rural counties of North Carolina. The local lending office should be contacted for information. * East Carolina Microenterprise Loan Program East Carolina Microenterprise Loan Program 315 Turner Street 252-504-2424 Beaufort, NC 28516 Fax: 252-504-2248 It is the goal of the East Carolina Microenterprise Loan Program to loan money to microentrepreneurs in order to create more jobs in rural areas. Participants must attend business sessions and afterwards they form small groups that administer their own loans. After that they meet monthly for further training, networking and loan presentations. From $500 to $8,000 can be applied for in three stages. The terms range from 20 months to 30 months. It is available to either start-up or existing businesses in the service area. Ohio * Microenterprise Program Lima-Alien Council for Community Affairs 405 East Market St. 419-227-2586 Lima, OH 45801 Fax: 419-227-7626 This program is available to low income workers, displaced workers, ADC/JOBS recipients located in Alien county. The aim is to empower low income individuals through self-employment, creating self-sufficiency and alleviating poverty. Loans are up to $1,000, terms from two to five years and interest rate is at prime plus 2%. Receives funds from various financial institutions and CSBG. * CAC Microenterprise Training Program Community Action Committee (CAC) of Pike County 941 Market St. P.O. Box 799 740-289-2371 Piketon, OH 45661 Fax: 740-289-4291 The program is available to low and moderate income persons. The aim is to improve economic conditions through training, small business development and support services leading to self-sufficiency. Loans are $500 to $10,000, terms three months to three years, and interest rate at prime plus 2%. Receives funds from CDC Grant Program, banks, local housing authority, and organization contributions. * City of Cleveland Microloan Program City of Cleveland Department of Economic Development 601 Lakeside Ave., Room 210 216-664-2406 Cleveland, OH 44114 Fax: 216-664-3681 The aim is to provide Financial and management support to existing and new businesses that do not have access to traditional financial sources. Eligible applicants are businesses in the City of Cleveland. Loan amounts and terms vary. Receives funds from City of Cleveland and local financial institutions. * Columbus/Franklin County Microloan Program Columbus Countywide Development Corp. 941 Chatham Lane, Suite 207 614-645-6171 Columbus, OH 43221 Fax: 614-645-8588 This program is available to women and minority-owned businesses, day care facilities and targeted Columbus neighborhoods. The aim is to encourage the creation of small micro businesses and provide financing for small projects not available from conventional lenders. Loans are $1,000 to $25,000, terms 30 days to 6 years, and interest rate is 10.6% to 11.6%. Receives funds from SBA, Ohio Department of Development, Columbus Department of Development, and banks. * Food Ventures Project and Product Development Fund ACEnet 94 N. Columbus Rd. 740-592-3854 Athens, OH 44701 Fax: 740-593-5451 The aim is to transform relationships within communities to allow people with low incomes to successfully enter the economic mainstream by creating opportunities for both business ownership and employment in expanding firms. Eligible applicants are low to moderate-income persons, public assistance recipients, and firms participating in ACEnet business networks in Southeastern Ohio. To promote food manufacturing businesses; funds can be a loan, royalty, or equity. Receives funds from private sources and foundations. * HHWP Community Action Commission Microenterprise Development Program HHWP Community Action Commission 122 Jefferson St., P.O. Box 179 419-423-3755 Findlay, OH 45839 Fax:419-423-4115 This program is available to low income and public assistance recipients. The aim is to create self-employment opportunities that enable low income residents to improve their living conditions and become self-sufficient. Loans are up to $5,000, terms from 3-24 months. Interest rate is prime plus 2%. Receives funds from CSBO and private foundations. * Neighborhood Economic Development Loan Program (NEDL) Office of Economic Development, City of Toledo One Government Center, Suite 1850 419-245-1426 Toledo, OH 43604 Fax: 419-245-1462 The Neighborhood Economic Development Loan Program (NEDL) is available to low and moderate income target communities served by CDC housing programs. The aim is to provide commercial credit for neighborhood-based businesses and provide a competitive advantage to neighborhood commercial and industrial areas. Loan amounts and terms vary. Receives funding from City of Toledo and banks. * Women Entrepreneurs, Inc. P.O. Box 2662, C-OH45201 36 East 4th St., Suite 92 513-684-0700 Cincinnati, OH 45201 Fax: 513-684-0779 New businesses that are started offer services to the community such as adult day care, home-bound disabled worker assistance and extra support to women in traditional industries. Receives funding from Society National Banks, Liberty National Banks, independent member/corporate contributions, and local foundations. Eligible applicants are AFDC recipients, low and moderate income individuals located in Hamilton, Clermont, Warren, Butler, Brown, Adams, Highland, Pike and Ross counties, and Northern Kentucky and Southeastern Indiana. Loans and terms vary. * Micro Loan Fund Neighborhood House, Inc 1000 Atohenson Street 614-252-4544 Columbus, OH 43203 Fax- 614-252-7919 E-mail: lboykin(*,beol.net The purpose of this loan is to build up the empowerment zone. It is available to start-up and existing small businesses in that area, or for those business owners that live in the zone. Applications can be made for up to $7,500 for a 3 year term. The interest rate is 12%. * Appalachian Microloan Program Enterprise Development Corporation 740-797-9646 9080 Hocking Hills Drive 800-822-6096 The Plains, OH 45780 Fax: 740-797-9659 This is for small business located in the 30 counties of Appalachia. It may be used for working capital, equipment and machinery, furniture and fixtures, inventory and supplies, and leasehold improvements. The size of the loan is $100 to $25,000. The term is flexible with a maximum of 6 years. The interest rate is from 11% to 12.75% APR. Funding is from the Small Business Administration. Oregon * SBA Microloan Program Cascades West Financial Services, Inc. 1400 Queen Avenue SE P.O. Box 686 541-924-8480 Albany, OR 97321 Fax: 541-967-4651 E-mail: dsearle@cwcog.cog.or.us The purpose of this microloan program is to help women, low income, minority and other business owners get loans that they could not otherwise get. The ultimate goal is to help them become eligible for conventional banking loans. The money available is up to $25,000 for up to 6 years at a fixed rate of up to 14,75%. Technical support is offered throughout the life of the loan. The business must be located in the 14 county service area of Cascades West. * Microenterprise Loan O.U.R. Federal Credit Union P.O. Box 11922 Eugene, OR 97440 541-485-1190 This loan is for businesses that have been operational at least 12 months and have proof of business activity. They must be members of the credit union and have participated with or in a health or human services agency in Lane County. The loan amount is a maximum of $5,000 at 13.9% interest. The term is up to 36 months. * Child Care Loan Lima/Alien Council on Community Affairs (LACCA) 540 South Central 419-227-2586 Lima, OH 45804 Fax: 419-227-7626 The Child Care Loan is available to those child care providers that target low income people, infants, workers of 2nd or 3rd shifts, and disabled kids. The maximum amount of the loan is $25,000. It must be repaid in up to 5 years and the interest is Prime + 2. The borrowers must be in the 5 county service area of LACCA * Micro Loan Southern Oregon Women's Access to Credit 33 North Central, Suite 209 Medford, OR 97501 541-779-3992 Start-up or expansion businesses in the Jackson County area can apply for a loan of up to $25,000. The term is 5 years with an interest rate of 3 1/2 points over prime. A written business plan must be submitted before applying for the loan. The funds can be used for working capital. * MicroLoan Program Hamilton County Development Company, Inc. 1776 Mentor Avenue Cincinnati, OH 45212 513-631-8292 E-mail: lawalden@hcdc.com This loan is open to small business owners located in one of the 8 counties of Southwest Ohio. The maximum loan for a start-up business is $7,500. For an existing business, one year or more, the amount is $15,000. The term is up to 6 years with an interest rate of 16%. Funding is provided by the Small Business Administration * Child Care Neighborhood Network Loan Fund Rose Community Development Corporation 7211 ME 62nd Avenue Portland, OR 97206 503-788-0826 Through community based microenterprise development. Rose Community Development Corporation helps to increase the character of child care and secure the providers' businesses. These loans are established in order to help child care providers who have difficulty getting conventional loans. The loan amounts are $500 to $5,000 with a term between 24 and 48 months. The money may be used for business improvements, equipment or toys, and related business expenses. * MicroLoan Columbus Countywide Development Corporation 941 Chatham Lane, Suite 300 614-645-6171 Columbus, OH 43221-2416 Fax: 614-645-85883 E-mail: ccdc@earthlink.net This program helps healthy growing businesses by offering financial and technical support. The maximum loan for a start-up business is $15,000. For an existing business, the loan starts at $1,000 and has a maximum of $25,000. The term depends on what the loan is being used for, but on an average is 2 years. The interest ranges from 11.6% to 10.6%. Borrowers are required to attend Technical Assistance Group meetings. This available area is in 13 counties of Central Ohio. * Pike County Microloan CAC of Pike County, Inc. 941 Market Street Piketon, OH 45661 740-289-2371 While they tend to serve business owners that cannot get loans from the banks, this program is also open to other entrepreneurs in Pike County. After completion of the business class, a loan for up to $10,000 can be applied for. The term is a maximum of 3 years with the interest rate of Prime plus 2. Pennsylvania * Ben Franklin Enterprise Growth Fund Ben Franklin Technology Center of Southeastern Pennsylvania 1110 Penn Center 1835 Market St., Suite 1100 215-972-0877 Philadelphia, PA 19103 Fax: 215-972-5588 Fund was established to make capital available to low income, minority, and women business owners, startups, and to help client businesses obtain credit from conventional sources in Bucks, Chester, Delaware, Montgomery, and Philadelphia counties. Loans are from $5,000 to $15,000. Interest rate is fixed at prime rate plus 3%. Closing fees are up to $350 (can be financed in the loan). * Local Enterprise Assistance Program (LEAP) Bloornsburg University College of Business 243 Sutliff Hall 570-389-4591 Bloornsburg, PA 17815 Fax: 570-389-3892 The aim is to create opportunities for startup and self-employed business persons to earn equitable incomes and control productive resources. Dedicated to building the economic capacity of rural communities through small enterprises by providing access to credit, business training and self-management skills. Eligible applicants are the unemployed, rural microentrepreneurs, and AfDC recipients. Loans and terms vary. * Micro-Enterprise Development Lutheran Children and Family Service 45 Garrett Rd. 610-734-3363 Upper Darby, PA 19082 Fax: 610-734-3389 This program is available to refugees in the U.S. less than five years, who are AFDC recipients, low/moderate income located in Philadelphia. Receives funding from the Office of Refugee Resettlement. Loans and terms vary. * Service for Self-Employment Training and Support (ASSETS) Mennonite Economic Development Associates 447 S. Prince St. Lancaster, PA 17603 717-393-6089 This program is available to low income individuals as defined by HUD guidelines. The Associates have assisted new businesses to start or expand in the most disadvantaged areas of Lancaster. The purpose is to increase personal income, create jobs, foster economic linkages, develop human potential and encourage community development through small business. Loans are from $500 to $5,000 with terms from 6 months to three years. The interest rate is prime rate. * Enterprise Growth Fund Ben Franklin Technology Center of Southeastern Pennsylvania 11 Penn Center 1835 Market St., Suite 1100 215-972-6700 Philadelphia, PA 19103 Fax: 215-972-5588 This Fund was created to make capital available to small businesses in Bucks, Chester, Delaware, Montgomery, and Philadelphia counties, so that they may be able to get conventional funding in the future. Eligible businesses are owned by credit-challenged women, minorities, low to moderate income people, and those that are located in economically distresses areas. The maximum loan is $25,000 for existing businesses and $5,000 for start-ups to be used for development and expansion. South Dakota * Revolving Loan Fund Program Northeast South Dakota Economic Corporation 414 Third Ave. East 605-698-7654 Sisseton, SD 57262 Fax: 605-698-3038 This program receives funding from Northwest Area Foundation, CDBG, SBA Microloan Demonstration Program, East River Electric Power Coip., and the First State Bank of Roscoe. The program addresses the economic needs of small rural communities as they relate to business development and job creation. Eligible applicants are low income, disadvantaged persons, minorities, and women. Loans are from $100 to $150,000 with tenns from 6 months to 25 years. For residents of northeastern South Dakota. * Micro Loan ASSETS 447 South Prince Street 717-393-6089 Lancaster, PA 17603 Fax: 717-290-7936 In order to apply for this loan, applicants must complete a 13-week training program. It is available to people with low to moderate income that live in Lancaster. Up to $5,000 can be loaned with a term of up to 3 years. The interest rate is the Prime lending rate. * Micro Loan Community Action Development Corporation of the Lehigh Valley 605 Turner Street Allentown, PA 18102 610-433-5703 This program was designed to help to build up the community and to establish business owners. Before applying for the loan, the Start Your Business Program must be completed. Graduates can apply for a loan up to $5,000. The terms and interest rate of the loan vary case by case. It is available for the areas of Center City, Allenton, and South Side. * Community Capital Works Philadelphia Development Partnership 1334 Walnut Street Philadelphia, PA 19107 215-545-3100 Applicants must go through the customized business training to qualify for this small business loan. After that, they join a peer lending group which governs the loan. The funds are loaned in steps starting with $500. After that amount is repaid the business owner can apply for $1,000. This goes up to a maximum amount of $5,000. The amount of time to repay the loan depends on the amount. The interest rate is a 12% annual rate. Borrowers must be in the service are of PDP. Tennessee * Community Microloan Program Knoxville's Community Development Corporation Economic Ventures, Inc. P.O. Box 3550 423-594-8762 Knoxville, TN 37927-3550 Fax: 423-594-8659 This program helps individuals in getting their businesses established through financial and technical assistance. Borrowersjoin apeer group where they get training, support, and apply for the loans. All members must be current for one to get a loan. The loans are given in 5 stages, the first is $500 and the maximum is $10,000. Terms are from 6 months to 48 month. This is available to low to moderate-income people, women, and minorities in East Tennessee. * Micro Loan Program Firestone Retirees CDC 659 North Manassas Street, Room 106-107 Memphis, TN 38107 P.O. Box 80073 Memphis, TN 38108 901 -454-9524 Firestone Retirees is trying to help people in poverty to become income achievers. While they offer business training courses, it is not a requirement for a loan. The Peer Lending Group method is used with a IO-person group administering the loans. The loan amounts range from $250 to $5,000 with the term varying from 5 months to 25 months, depending on the loan. The interest rate is currently 10% and subject to change. It is available to their service area. Texas * Women's Opportunities Resource Program Women's Opportunities Resource 1930 Chestnut Street, Suite 1600 Philadelphia, PA 19103 215-564-5500 After applicants have attended the free business classes, they can apply for a loan. The maximum amount available is $2,500 for a term of 24 months. It is intended for minority, woman, refugee and immigrant business owners. They say they are a "fund of last resort" in the 5 county area that is served. * Micro Loan ACCION El Paso 7744 North Loop Road, Suite A El Paso, TX 79915 915-779-3727 This loan requires that a business has one year of experience or is a start-up in El Paso. It is for those that have limited access to bank credit. The amount loaned to a small business is $250 to $1,000, the medium business loan is for $1,000 to $3,000, and the large fund is for the maximum of $10,000. The term depends on the type of loan issued. The rate is an 18% simple interest. * Tyier Development Fund Tyier Economic Development Council, Inc. P.O. Box 2004 903-593-2004 Tyier, TX 75710 Fax: 903-597-0699 The goal of the Tyier Economic Development Council is to create a solid economy for small and minority business owners with low to moderate income. This fund is for those that have results within 18 months of operation and located in Smith County. The maximum amount of a loan is $50,000 with bank participation for loans over $25,000. The terms depend on the loan and the interest rate is fixed. * MicroLoan Program Corporation for Economic Development of Harris County, Inc. 2223 West Loop South, Suite 400 713-840-8804 Houston, TX 77027 Fax: 713-840-8806 Their mission is to enhance the economic and community development in Harris County and the Gulf Coast Region. The target is low to moderate income people who are having trouble finding conventional funding. The amounts available for a loan are $500 to $25,000. Virginia * Eagle Staff Fund - Seed Grants First Nations Development Institute The Stores Building 11917 Main St. Fredericksburg, VA 22408 540-371 -5615 This Fund is dedicated to promoting economic understanding among Native people. Seed grants are to identify and develop ideas and concepts about economic development, and provide funds for training, convening meetings, and community organizing. Amounts are from 11,500 to $5,000. The applicant's proposed budget must accurately reflect the project scope. * Northern Virginia Microenterprise Loan - SBA Ethiopian Community Development Council, Inc. 1038 S. Highland St. Arlington, VA 22206 703-685-0510 Applicants must be opening or expanding a small business, unable to find alternative sources of financing. Loans are up to $25,000 with the interest rate at prime rate plus 4%. * MicroLoan Program Corporation for Economic Development of Harris County, Inc. 2223 West Loop South, Suite 400 713-840-8804 Houston, TX 77027 Fax: 713-840-8806 The goal with the Corporation for Economic Development of Harris County, Inc. (CEDHC) is to provide gap financing in order to create permanent jobs that will improve the community economically. This is available for low to moderate business owners in Harris County and the Gulf Coast Region. The loan amount is from $500 to $25,000. Technical seminars and one-on-one counseling are also offered. Utah * Utah Microenterprise Loan Fund Utah Microenterprise Loan Fund 3595 South Main Street Salt Lake City, UT 84115 801 -269-8408 This Fund was developed to help socially and economically disadvantaged people. It is available for small businesses in Salt Lake, Davis, Summit, Toouele and Morgan Counties. Up to $10,000 can be borrowed with a term of 5 years. The interest rate varies. Vermont * Burlington Revolving Loan Fund Community and Economic Development Office Room 32, City Hall 802-865-7144 Burlington, VT 05461 Fax: 802-865-7024 The aim is to create a sustainable local economy that equitably distributes costs and provides meaningful opportunities for participation by residents in essential resource allocation decisions. The fund is aimed at low and moderate-income individuals located in the Champlain Valley. Loans are from $4,000 to $100,000, terms from 3-10 years, and the interest rate is variable. * Refugee Microenterprise Loan - ORR Ethiopian Community Development Council, Inc. 1038 S. Highland St. Arlington, VA 22204 703-685-0510 Applicants must be refugees and political asylees in the U.S. for less than five years, and have proper documents; want to open or expand a business, and are willing to write a business plan. Loans are up to $10,000 at prime rate plus 2%. * Microloan Fund Small Business Development Center, Inc. 147 Mill Ridge Rd. Lynchburg, VA 24502 804-582-6170 This program is available to low to moderate-income individuals who lack access lo bank or other financing. All new business owners must complete the Self-Employment Training Program prior to making application for the loan fund. (Training Program covers the basics of owning your own business). Loan amounts range from $50.00 to $10,000 with terms from 1-3 years for long term loans, and 0-12 months for short-term loans. Interest rate is prime plus 3, which is fixed at time of closing. This program is sponsored by the SBA, Virginia Department of Economic Development, Greater Lynchburg Chamber of Commerce, Virginia's Region 2000, and the City of Lynchburg. For residents of Lynchburg and these counties: Amherst, Appomattox, Bedford, and Campbell. * Business Loan Program South Fairfax Regional Business Partnership, Inc. 6911 Richmond Highway 703-768-1440 Alexandria, VA 22306 Fax: 707-768-0547 Loans are provided for entrepreneurs that can not get conventional loans. They are for start-up or small businesses in the southeast Fairfax County. Direct loans of $3,500 to $25,000 are available with interest rates in the range of Prime + 3% to Prime + 7%. The repayment period is 3 years on an average. The funds can be used for business machinery and equipment, working capital and paying marketing expenses. The owner must be in the low or moderate-income bracket. * Micro-Business Development Program Central Vermont Community Action Council, Inc. 195 US Route 302/Berlin 802-479-1053 Barre, VT 05641 Fax: 802-479-5353 The aim of this program is to eliminate poverty by opening to everyone the opportunity to live in decency and with dignity. It is aimed at low-income persons. Loans and terms vary. Closing costs can be included in the loan amount. Receives funding from the Family Foundation, HeadStart, Vermont Community Development Program, Vermont State, USDA Food Stamps, Veterans grant, and CDBG discretionary grant. * Micro Loan VA Eastern Shore Economic Empowerment and Housing Corp. P.O. Box 814 757-442-4509 Nassawadox, VA 23413 Fax: 757-442-7530 This loan assists low to moderate-income people to start-up or improve an existing business. The funds that may be applied for are from $500 to $50,000. The interest is 6.5% plus costs. This is only for residents of Virginia Eastern Shore. * New Enterprises Loan Fund New Enterprises Fund 930 Cambria Street Christiansburg, VA 24073 540-382-2002 This fund is available in the New River Valley of southwest Virginia. Its goal is to promote the development of micro-enterprises through training, technical assistance, loaning of funds, and follow-up support. After completing the training program, a loan from $1,000 to $25,00 can be applied for. The terms are from I to 4 years at an 8% interest rate. This is for both start-up and existing businesses. * Northern Neck Enterprise Program Northern Neck Planning District Commission 153 Yankee Point Road Lancaster, VA 22503 804-333-1900 www.nnpdcl7.state.va.us This loan is available to micro start-up or expansion businesses in the Northern Neck Area. They must have been turned down by a bank and pass the loan committee review. Up to $25,000 can be applied for and the term is up to 3 years. * MicroLoan Program Virginia Economic Development Corporation P.O. Box 1505 804-979-0114 Charlottesville, VA 22902-1505 Fax: 804-979-1597 E-mail: microloan.tjpd@state.va.us www.avenue.org/Gov/TJPDC This program is accessible to small business owners that live and operate their businesses in the Thomas Jefferson Planning District. There is an emphasis on women and minority ovmers. An Entrepreneur Training Course or equal training and/or experience is a requirement before applying for a loan. The maximum loan is $25,000 with a variable interest rate at Prime plus 1.5% to 5%. Collateral and a credit check are needed. Washington * African American Community Endowment Fund Black Dollar Days Task Force 116-21stAve. Seattle, WA 98122 206-323-0534 This is a new program that hopes to make its first micro-enterprise loan this year (1996). This proposed microenterprise loan fund hopes to foster an entrepreneurial spirit and encourage self-sufficiency through the growth of small business opportunities primarily in the economically depressed areas of Seattle. This micro-enterprise loan is a source of business financing for people who are unable to access capital from other sources. As this is a new program, the amount of loans, interest, etc. are not know as yet. For further information, contact the above number. * Cascadia Revolving Fund Cascadia Revolving Fund 119 1st Ave. S., Suite 100 206-447-9226 Seattle, WA 98104 Fax: 206-682-4804 This is a tax-exempt nonprofit corporation that provides loans and technical assistance to socially/environmentally based enterprises and nonprofit organizations. Loans can be up to $150,000 with variable interest rates and terms. Eligible applicants are low income women, minorities, and refugees. Receives funds from individual investors, religious orders, nonprofit corporations, earnings and individual gifts. * DownHome Washington Microloan Program Snohomish County Private Industry Council 425-743-9669 728 134th Street SW, Bidg. A, Suite 211 425-353-2025 Everett,WA 98204 Fax:425-742-1177 E-mail: snopic@gte.net This program is designed for those borrowers who do not fit into the general banking guidelines. It is offered with technical assistance and available to those who have their business within the 16 county service area of the program. The loan amounts are from $500 to $25,000. Funding is from the SBA. * CASH Loan Program Washington CASH- Community Alliance far Self-Help 410 Boston Street 206-352-1945 Seattle, WA 98109 Fax: 206-352-1899 E-mail: washcash@nwlink.com www.washingtoncash.org This program was established to create self-sufficiency and self-employment for low-income women, people with disabilities, and new immigrants and refugees. It uses a peer support group lending model. Each group regulates its own loans and repayment. The first loan amount is $500. After that has been successfully repaid, up to $5,000 can be applied for. A required 12-week business training course, post loan technical assistance and peer support are part of this program. It is available within CASH'S service area. * Micro Loan Program Tri-Cities Enterprise Association 2000 Logston Boulevard 509-375-3268 Richland, WA 99052 www.owt.com/tea TEA wants to promote the growth and development of new businesses in order to economically benefit the community. The small business loans are available to for-profit start up businesses in Benton or Franklin counties. The money can be used for working capital or acquisition of materials, supplies, furniture, fixtures or equipment. From $500 to $7,500 is available for a loan, but up to $25,000 may be considered. The average term is 18 to 36 months with up to 6 years as the maximum. * SNAP Program Spokane Neighborhood Action Programs 212 South Wall 509-456-7174 Spokane, WA 99201 E-mail: lancaster@snapwa.org *Northwest Business Development Association 9 South Washington, Suite 215 Spokane, WA 99201 509-458-8555 This loan requires that the Technical Assistance Program be attended. Funds are available to start-up or existing businesses where the owners are in the low to medium income bracket in their area. The loan amount is up to $10,000 with repayment in a maximum of 5 years. The interest rate is Prime plus 2%. This is only for the Spokane County area. The training program is offered by SNAP and the loan comes from Northwest Business Development. West Virginia * Monroe Neighborhood Enterprise Center Monroe County Community Services Council P.O. Box 403 304-772-3381 Union, WV 24883 Fax: 304-772-4014 The aim is to improve the income and self-sufficiency of low to moderate-income persons by providing loans, business training, and opportunities for microenterprises. This center receives funding from banks of Monroe, Union, West Virginia by providing lines of credit, operating funds from NeighborhoodReinvestmentCorp., andBenedum Foundation. Loansarefrom $500 to $10,000 with terms from one to five years. Loan review committees will determine loan conditions. * Lighthouse MicroLoan Lightstone CDC H 363 Box 73 304-249-5200 Moyers, WV 26815 Fax: 304-249-5310 wwwjightstone.org Lightstone has developed this loan in order to help create and sustain new business development in rural areas. It is available in 10 counties in the Eastern Panhandle of West Virginia, and 2 counties in Virginia. After working with the Small Business Development Center, a loan with a maximum amount of $10,000 can be applied for. The maximum term is 5 years. This is often used by low and moderate-income entrepreneurs. They are CDFI. Wisconsin * ADVOCAP Business Development Loan Fund ADVOCAP, Inc. 19 W, 1st St. 920-922-7760 Fond (hi Lac, Wl 54935 Fax: 920-922-7214 This Loan Fund is to help low income persons become self-sufficient by developing businesses that will create jobs. Loans are from $100 to 115,000. Terms are from 30 days to 6 years. Interest rate can be from 7 to 10%. Closing costs/fees can be included in the amount of the loan. Receives funding from ADVOCAP business development fund, SBA Microloan Demonstration, C.O.E. fund from agency funds. Only for residents of Fond du Lac, and Winnebago and Green Lake counties. * Business Ownership and Operations Juneau Business High School 6415 West Mount Vernon Milwaukee, Wl 53213 414-476-5480 Program is available to 15-19 year old multi-cultural students, of which a large percentage are low income. It provides high school students with practical, hands-on experience in business ownership and operations. Provides youth with alternative career options and education in the areas of economics, citizenship and ethics. Loans are from $50 to $500 with terms at 9 months. Interest rate is 12%. * Economic Development Project West Cap 525 2nd St. 715-265-4271 Glenwood City, Wl 54013 Fax: 715-265-7031 The aim is to create opportunities that allow people to achieve self-sufficiency for themselves, their families, and their communities. Eligible applicants are low income individuals with special emphasis on women. Loans are up to $15,000. Receives funding from Farmers Home Administration and the Bremer Foundation. * Self-Employment Project CAP Services, Inc. 1725 W. River Dr. 715-345-5200 Stevens Point, Wl 54481 Fax: 715-345-6508 The aim is to mobilize public and private resources to help low income individuals to attain self-sufficiency. Loans are up to $10,000; terms up to five years. Interest rate is at 8%. Receives funds from the U.S. Office of Community Services, corporate contributions. State of Wisconsin, and CDBO funds. For residents of these counties only: Portage, Waupaca, Outagamie, Waushara, Marquette. * Small Business Loan Wisconsin Women's Business Initiative 2745 N. Dr. Martin Luther King Jr. Drive Milwaukee, Wl 53212 www.wwbic.com 414-263-5450 E-mail: info@wwbic.com Although this loan is open to any small start-up business in Wisconsin, women, minority and low-income entrepreneurs are targeted. Those businesses that cannot get conventional loan funding may apply for up to $25,000. The money is to be used for tangible items, but working capital will be allowed. Terms are generally from 3 to 5 years. The interest rate is a flexible one. * Job and Business Development Loan Wisconsin Coulee Region Community Action Program 201 Melby Street Westby, Wl 54667 608-634-3104 This new fund is available to help low to moderate-income people who want to start a new business. To be able to apply for the loan, borrowers must complete the Business Program. It is offered in the 4 county area of LaCross, Monroe, Crawford and Vernon. The loan can be obtained from $100 to 1500. This funding amount is expected to increase. There are 12 months to repay the loan and at this point in time, there is no interest. * Revolving Loan Fund CAP Services 1725 West River Drive Stevens Point, Wl 54481 715-345-5200 This loan is specific to a 5 county area of Wisconsin; Marquette, Waushara, Portage, Waupaca, and Outagamie. It is available for low to moderate-income entrepreneurs or those that create jobs for low to moderate-income people. There is a maximum of $10,000 available at 8% for a maximum term of 5 years. It requires a matching conventional loan. * West CAP Child Care Loan West Central Wisconsin Community Action Agency, Inc. (West CAP) 119 West 6th Avenue Menomonie, Wl 54751 715-235-8525 This small business loan is available to child care providers. If the business is run out of a center, the owner must be low income to be eligible for a maximum loan of $ 15,000. If they are licensed or certified to woric out of the home, they must target low income clients for a loan of up to $5,000. The term is up to 5 or 6 years, depending on the loan. This is available to those businesses in a seven county area. State Women Business Assistance Programs Top The feds aren't the only ones noticing the emerging importance of female entrepreneurship in the U.S. business economy. Many states now have special programs to help new and expanding women-owned businesses get the special assistance they need to succeed. So far, almost half the states offer some kind of assistance to women business owners, from special set-aside programs to help women compete for lucrative government contracts, to nuts-and-bolts, one-on-one counseling, to special low interest loan programs, such as the ones offered by Iowa and Louisiana. It's important to keep in mind that just because your state doesn't currently have any special programs for women entrepreneurs, that doesn't mean that they won't in the near future. In fact, many states, like Florida and Utah, now have special women's business advocates in the state capital to help bring the needs of women business owners to the attention of their legislators. We all know that many newly elected legislators happen to be women, too. This could mean new business programs for women offered in the future, so keep in touch with your state capital to keep informed on the current status of these programs. Alabama Office of Minority Business Enterprise (OMBE) Alabama Development Office 401 Adams Ave. 334-242-2220 Montgomery, AL 36130 800-248-0033 http://www.ado.state.al.us The Office of Minority Business Enterprise (OMBE) helps women and minority entrepreneurs interested in starting or expanding their businesses prepare business plans and applications for SBA loans, fill out applications for state and federal procurement opportunities, and certify women and minority-owned businesses to participate in the state purchasing programs. Alaska Minority Business Development Center 1577 C St. Suite 304 Anchorage, AK 99501 907-274-5400 The Minority Business Development Center provides management and financial consulting services including loan packaging, development, marketing, investment decisions, accounting systems, and other valuable business advice. Bureau of Indian Affairs Alaska Area Office P.O. Box 25520 Juneau, AK 99802-5520 907-586-7103 Indian Business Development Grants: This program provides grants to assist in the development of Native-owned enterprise that will create jobs and other economic benefits for Alaska Native communities. Priority is given to rural business development projects. For profit businesses are eligible if they are at least 51% owned and operated by individual natives. Grants to individual natives range up to $100,000 with a minimum 75% match from private and/or public sector. The applicant must demonstrate that sufficient funding is not available from other sources. Indian Loans for Economic Development: The program provides business management, and technical and financial assistance to individual natives and Native organizations for starting, expanding, or purchasing a business enterprise whose enterprise will create jobs and have other economic benefits. Priority is given to rural business development projects. Financial assistance is in the form of guaranteed or direct loans. 20% equity is required on loans Arizona Arizona Department of Commerce 3800 N. Central, Suite 1400 Phoenix, AZ 85012 602-280-1480 http://www.comineree.state.az.us/fr abc.shtml This office serves as a clearinghouse of information to assist small businesses. One-on-one counseling is available. Arkansas Arkansas Economic Development Commission One Capitol Mall Little Rock, AR 72201 501-682-1060 http://www.aedc.state.ar.us The Minority and Small Business Development Division provides business loanpackaging,contractprocurementassistance,bondinginformation, general business counseling, seminars, workshops, and referrals to other agencies. California Office of Small and Minority Business Department of General Services 180814th St. Suite 100 916-322-5060 Sacramento, CA 95814 http://www.dgs.ca.gov/osmb This office helps women-owned businesses interested in participating in the state's purchasing/contracting system, along with counseling, assistance, and protection for their interests. Business Enterprise Program Department of Transportation 1820 Alhambra Blvd. Sacramento, CA 95816 916-227-9599 http://www.dot.ca.gov/hq/bep This office offers women-owned businesses information on the certification necessary to participate in the state procurement program. Colorado Women's Business Office Office of Business Developrement 1625 Broadway, Suite 1710 303-892-3840 Denver, CO 80202 800-592-5920 (in CO) http://www.state.co.us/gov_dir/wbo The Women's Business Office acts as a resource clearinghouse for women business owners. They refer callers to the appropriate state and local offices that can provide them with the hands-on assistance they need, from business planning and marketing assistance to procurement programs and financing. The program also holds business planning seminars at 16 locations throughout the state. Delaware Minority Enterprise Office 800 French St., 6th Floor Wilmington, DE 19801 302-571-4093 The agency assists minority businesses in the city of Wilmington by providing technical assistance, certificate of minority businesses, and workshops. They sponsor a Minority Business Trade Fair (the largest in the Northeast) once a year. The agency works with the Wilmington Economic Development Corporation to provide financing. Florida Florida Department of Transportation Minority Programs Office 3717 Apalachee Pkwy, Suite G Tallahassee, FL 32311 850-921-7370 The office develops outreach programs to recruit and inform disadvantaged business enterprises about contracting opportunities with the Department of Transportation. It also has a business support component which assesses business needs for training and technical assistance. Specific programs include classroom training, on-the-job training, conferences, seminars, workshops, and proficiency standards attainment. Minority Business Office Department of General Services 2012 Hartman, Room 100 Koger Executive Center Capitol Circle SE Tallahassee, FL 32399-0100 850-487-0915 This office is responsible for certifying minority businesses to do business with the state and for maintaining a directory of these certified businesses. The directory is available to all state agencies. They identify the concerns and unique needs of small and minority-owned businesses in Florida. It serves as a liaison between the business community, state agencies, and the legislature. It also serves as a review board for policies, procedures, and regulations as they relate to key issues of concern. Georgia Small and Minority Business Affairs Georgia Department of Administrative Services 200 Piedmont Ave., SE West Tower #1620 Atlanta, GA 30602 404-656-6315 http://www.doas.state.ga.us The office assists small businesses in conducting business with state government, identification of coordinating offices in state agencies, and prerequisites. The Minority Subcontractors Tax Incentive is available to any company which subcontracts with a minority-owned firm to furnish goods, property, or services to the state of Georgia. The credit is for 10% of the total amount of qualified payments to minority subcontractors during the tax year, but may not exceed $100,000 per year. Minority Business Development Agency 401 W. Peachtree, Suite 1715 Atlanta, GA 30308 404-730-3300 http://www.mbda.gov At any of the regional offices of the Minority Business Development Agency (of the U.S. Department of Commerce), a minority owner can get help with preparing a business loan package, securing sales, or solving a management problem. The centers maintain networks of local business development organizations, assist businesspeople in the commercialization of technologies, and coordinate other federal agency activities which assist minority entrepreneurs. Hawaii Honolulu Minority Business Development Center 1132 Bishop St. 1st Hawaiian Tower #1000 Honolulu, HI 96813 808-531-6232 The center provides management and technical assistance to qualified ethnic minority individuals and firms in the areas of business and financial planning, contract procurement, marketing analyses, general management, bonding, office systems, and procedures. Illinois Small Business Advocate Illinois Department of Commerce and Community Affairs State of Illinois Center 100 W. Randolph St. Suite 3-400 Chicago, IL 60601 312-814-3540 The Small Business Advocate specializes in helping women, minorities, startups, and home-based business owners cut through the bureaucratic red tape and get the answers they need by offering information and expertise in dealing with various state, federal, and local agencies. Small Business Assistance Bureau Illinois Department of Commerce and Community Affairs State of Illinois Center 620 H. Adams 217-782-7500 Springfield, IL 62701 800-252-2923 (in IL) http://www.commerce.state.il.us The Women's Business Advocate offers programs to women entrepreneurs through a business calendar of events, which includes conferences at which business owners have an opportunity to network. The Advocate also maintains an extensive mailing list of women entrepreneurs. Through the Women's Business Development Center of The Neighborhood Institute, women business owners can get assistance in all phases of business development. Under the Minority and Women Business Loan Program, women business owners can get long-term, fixed rate direct financing at below market rates for loans from $5,000 to $50,000. One job must be created or retained for each $5,000 borrowed. Business owners can use the money for leasing or purchasing land and buildings, construction or renovation of fixed assets, purchase and installation of machinery and equipment, and working capital. Under the Minority and Female Business Enterprise Program, Matchmaker Conferences are held to connect women business owners interested in landing government contracts with state and local purchasing agents. Indiana Small Business Development Corporation One North Capitol Suite 1275 Indianapolis, IN 46204 317-264-2820 http://www.isbdcorp.org This office helps women and minority-owned small businesses with all phases of development, from management and technical assistance, to contract bidding, procurement, educational seminars and training, and financial alternatives. As part of their Procurement Program, women and minority-owned businesses receive help in seeking government services contracts. Iowa Targeted Small Business Iowa Department of Inspections and Appeals Lucas Building, 2nd Floor Des Moines, IA 50319-0083 515-281-7250 Under the Targeted Small Business Program, women and minority-owned businesses can get help in getting certified as a targeted small business (any business 51% or more women or minority-owned), and thereby become eligible for set-aside procurement programs sponsored by the state. Kansas Office of Minority and Women Business Existing Industry Development Division Kansas Department of Commerce 700 SW Harrison Topeka, KS 66603-3712 785-296-3805 This office helps women and minority-owned businesses with the bidding procedures for public and private procurement opportunities in Kansas. They also offer management assistance to these businesses and help identify financial resources for them. Kentucky Office of Minority Affairs State Office Building 501 High St., Room 904 Frankfort, KY 40622 502-564-3601 This office certifies women and minority-owned businesses interested in participating in the procurement program for state highway-related contracts. Kentucky Cabinet for Economic Development 67 Wilkinson Blvd. Frankfort, KY 40601 502-564-2064 http://www.state.ky.us/edc/edchome.htm The Small and Minority Business Division is a resource center for small and minority business owners/managers. It identifies construction contracts, procurement opportunities, and offers training programs that address the business needs of these enterprises. It focuses on new job creation and job retention by serving existing small and minority businesses in the roles of ombudsman and expediter for business growth and retention. Maine Maine Department of Transportation Division of Equal Opportunity Employee Relations 16 State Station House Augusta, ME 04333 207-287-3576 http://www.state.me.us/ Under the Disadvantaged/Minority/Women Business Enterprise Program, women-owned businesses can get certification to obtain government contracts. This office helps business owners with the procurement procedures used to obtain government contracts. Massachusetts State Office of Minority and Women Business Assistance Department of Commerce 100 Cambridge St., Room 1305 Boston, MA 02202 617-727-8692 http://www.state.ma.us/somwba This office helps women and minority-owned businesses get certified to participate in the state procurement programs. Michigan Targeted Services Division Michigan Department of Commerce 4th Floor Law Building P.O. Box 30225 Lansing, MI 48909 517-335-1835 This office runs Women Business Owners Services program which works largely as a referral service for women business owners. Business owners can also participate in special entrepreneurial education and procurement programs. Minnesota Department of Administration Materials Management Division 112 Administrative Building St. Paul, MN 55155 612-296-2600 http://www.mmd.admin.state.mn.us This office certifies women-owned businesses to participate in the Small Business Program for procurement opportunities with the state. Once certified, a business earns a 6% preference on government contract bids. Mississippi Department of Economic and Community Development P.O. Box 849 Jackson, MS 39205 601-359-3449 http://www.decd.state.ms.us Under the Minority Business Enterprise Loan Program, women-owned businesses that show that they are economically disadvantaged are eligible to receive low interest loans for up to 50% of a business project's cost. Missouri Council on Women's Economic Development & Training 2023 St. Mary's Blvd. P.O. Box 1684 Jefferson City, MO 65102 573-751-0810 http://www.ecodev.state.mo.us/ded/ The Council helps women small business owners through various programs, seminars, and conferences. The Missouri Council on Women's Economic Development and Training assists women in small business enterprises. The Council conducts programs, studies, seminars, and conferences. It promotes increased economic and employment opportunities through education, training, and greater participation in the labor force. Missouri Department of Economic Development P.O. Box 118 Jefferson City, MO 65102 314-751-3237 The Minority Business Assistance Program is designed to promote and encourage the development of minority-owned businesses in Missouri. The program provides assistance in obtaining technical and financial assistance, education programs, minority advocacy, and networking with other programs and agencies. Montana DBE Program Specialist Civil Rights Bureau Montana Department of Transportation 2701 Prospect Ave. P.O. 201001 Helena, MT 59620-1001 406-444-6337 http://www.mdt.mt.gov The Disadvantaged Business Enterprise and Women Business Enterprise program certifies women-owned businesses interested in bidding on and obtaining federal-aid highway construction contracts. Nebraska Office of Women's Business Ownership Small Business Administration 11145 Mill Valley Rd. Omaha, NE 68154 402-221-4691 The office directs Small Business Administration (SBA) programs to women business owners through special women's groups, seminars, networks, and other activities for women in the private sector. New Hampshire Office of Business and Industrial Development Division of Economic Development 172 Pembroke Rd. P.O. Box 856 Concord, NH 03302-0856 http://ded.state.nh.us/obid This office serves as a clearinghouse and referral center of programs for women and minority-owned businesses. New Mexico Economic Development Department Joseph Montoya Building 603-271-2591 1100 St. Francis Dr., Room 2006 Santa Fe, NM 87503 505-827-0425 http://www.edd.stateJim.us The Procurement Assistant Program educates business owners in all phases of government contracting, and provides comprehensive technical procurement counseling for obtaining defense, federal, state, and local government contracts. It offers training seminars (hands-on workshops), and offers small, minority, and women-owned businesses the opportunity to be entered into the annual New Mexico MSBPAP Business Directory. New York Division of Minority and Women's Business Department of Economic Development I Commerce Plaza Albany, NY 12245 518-474-0375 and 633 Third Ave. New York, MY 10017 212-803-2410 This office gives women and minority-owned businesses consulting and technical assistance in obtaining benefits from state programs, with a focus on business financing. They also help these businesses get the proper certification to participate in the state procurement opportunities. Additionally, this office can help these business owners obtain Federal government contracts. New York Urban Development Corp. Minority and Women Revolving Loan Fund 1515 Broadway New York, NY 10036 212-930-0452 Women and minority-owned industrial, commercial, service oriented, and start-up businesses can receive low interest loans. Retail businesses are evaluated on a case-by-case basis before they qualify. Loans range from $20,000 to 1500,000 and may be used for construction, renovation, leasehold improvements, acquisition of land and buildings, acquisition of an ongoing business, establishment of a nationally recognized franchise outlet, machinery and equipment, and working capital. North Carolina North Carolina Minority Business Development Agency 205 Fayetteville St. Mall Raleigh, NC 27601 919-833-6122 The agency provides information, referral, and support assistance to minority businesses. It offers technical referral assistance, procurement opportunities referral, management workshops and seminars, and coordination with other state and federal agencies. North Dakota Women's Business Program Department for Economic Development and Finance 4182 Broadway, Suite 25 Bismarck, ND 58501 701-258-2251 http://www.growingnd.com/wbd_prog.html These offices provide technical assistance in getting businesses started. Some of the services provided include location of funding and preparation of business plans. They also certify women businesses for federal and state contracting. Ohio Small Business Development Center Ohio Department of Development P.O. Box 1001 800-848-1300 Columbus, OH 43266-0101 614-466-4945 http://www.odod.ohio.gov/ Under the Women's Business Resource Program, women can get help for start-up, expansion and management of their businesses. The program seeks to provide women with equal access to assistance and lending programs, and helps businesswomen locate government procurement opportunities. This office also acts as a statewide center of workshops, conferences, and Women's Business Owners statistics. All of the program's services are free. This office also publishes Ohio Women Business Leaders, a directory of women-owned businesses in Ohio, along with other free publications. Oklahoma Oklahoma Department of Commerce Small Business Division P.O. Box 26980 405-815-6552 Oklahoma City, OK 73126-0980 http://www.odoc.state.ok.us Under the Women Owned Business Assistance Program, businesswomen can get a variety of technical assistance, from business planning and marketing assistance, to financial information and government procurement practices. The Minority Business Development Program provides support and assistance in the establishment, growth, and expansion of viable business enterprises. Counseling in the preparation of business plans and marketing strategies is available. The program also provides assistance for loan packaging, bid preparation, feasibility studies, and certification requirements. Oregon Office of Minority, Women & Emerging Small Businesses 155 Cottage St., ME Salem, OR 97310 503-947-7976 http://www.cbs.state.or.us This office certifies women-owned, disadvantaged, and emerging small businesses, allowing them to participate in the state's targeted purchasing programs. Pennsylvania Women's Business Advocate's Office 354 Forum Building Department of Community and Economic Development Harrisburg, PA 17120 717-787-3339 http://www.state.pa.us The Office offers women business owners one-on-one counseling and helps them get the information they need to solve their problems in developing a business. They also will refer women business owners to the appropriate state offices and agencies that can best help them with every kind of issue, from procurement assistance to developing business and financial strategies. Rhode Island Office of Minority Business Assistance Department of Economic Development One West Exchange St. Providence, Rl 02903 401-222-6253 This office certifies women and minority-owned businesses under federal and state set-aside and goal programs and provides counseling assistance to these companies. Tennessee Office of Minority Business Enterprise Department of Economic & Community Development Rachel Jackson Building, 7th Floor m 6fc Ms. Morth 615-141-IM5 Nashville, TN 37219-5308 800-342-8470 (in TN) http://www.state.tn.us/ecd/smbusinf.htm This office offers information, advocacy, referral, procurement, and other services to minority businesses in the state. They publish a directory of minority businesses, offer conferences and seminars on topics useful to business owners, and serve as a clearinghouse of important information to women and minorities. They also match vendors with potential clients and help women and minorities identify and obtain procurement opportunities. Utah Small Business Administration Salt Lake District Office 125 S. State St. Salt Lake City, UT 84138 801-524-5800 The Women's Business Ownership Program offers a series of business training seminars and workshops for women business owners and for women who want to start their own small firms. This program provides a focus on business planning and development, credit, and procurement as it relates specifically to women and their businesses. Washington Office of Minority and Women's Business Enterprises P.O. Box 41160 Olympia, WA 98504-1160 360-753-9693 http://www.wsdot.wa.gov/omwbe/ This office helps women and minority-owned businesses interested in participating in state contracting opportunities by moving them through the certification process. Once certified, businesses are eligible to receive a 5% preference when bidding competitively on goods and services purchased by the state. Upon request, businesses can be placed on bid lists maintained by individual agencies, education institutions, or contractors by contacting them directly. Wisconsin Department of Commerce P.O. Box 7970 Madison, Wl 53707 800-435-7287 (in Wl) http://badger.state.wi.us 608-266-1018 The Women's Business Services offers assistance in gaining information about die state's loan programs available to women business owners. The office keeps track of the top 50 fastest growing and top 10 women-owned businesses in Wisconsin. They also maintain a database of women-owned businesses in the state Wisconsin Housing and Economic Development Authority One South Rnckney St., #500 P.O. Box 1728 800-334-6873 Madison, Wl 53701-1728 608-266-7884 http://www.wheda.state.wi.us Under the Linked Deposit Loan Program, women or minority-owned businesses with gross annual sales of less than $500,000 can qualify for low rate loans. Loans are available under the prime lending rate for purchase or improvement of buildings, equipment, or land, but not for working capital. Business must be in manufacturing, retail trade, tourism, or agriculture packaging or processing. Wisconsin Women Entrepreneurs 1126 S. 70th St., Suite 106 Milwaukee, Wl 53214 414-358-9290 The office provides monthly programs, training, seminars, mentor committees, and a membership directory. GRANTS TO COMMUNITIES TO HELP SMALL BUSINESSES START OR EXPAND Contact: Luis F. Bueso Economic Development Administration Room H7319 Herbert C. Hoover Bidg. Washington, D.C. 20230 202- 482-2873 ($21,000,000.00 CURRENTLY AVAILABLE) GRANTS TO WORK WITH LOCAL SCHOOLS TO TRAIN YOUR WORKERS Educational Networks Division Room 502, 555 New Jersey Avenue, NW ($4,135,564.00 CURRENTLY AVAILABLE) Washington, D.C. 20208-5644 202-219-2116 GRANTS TO DEVELOP NEW TECHNOLOGIES FOR YOUR BUSINESS Contact: Mr. George Uriano, Director Advanced Technology Program National Institute of Standards and Technology ($400,000,000.00 CURRENTLY AVAILABLE) Gaithersburg, MD 20899 301- 975-5187 GRANTS TO PUBLISH BOOKS FOR A LIMITED AUDIENCE Division of Research Programs Subventions, Room 318 National Endowment for the Humanities ($5,720,000.00 CURRENTLY AVAILABLE) Washington, D.C. 20506 202-606-8207 GRANTS TO BUSINESSES THAT EMPLOY PEOPLE WITH DISABILITIES Contact: Dr. Thomas E. Finch Rehabilitation Services Administration Office of Assistant Secretary for Special Education and Rehabilitation Services U.S. Department of Education Washington, D.C. 20202 ($22,071,000.00 CURRENTLY AVAILABLE) 202-205-9796 GRANTS TO HELP MINORITY BUSINESSES ENTER NEWMARKETS Contact: Ms. Theresa Speake Assistant Director for Program Development Room 5096, Minority Business Development Agency U.S. Department of Commerce ($2,000,000.00 CURRENTLY AVAILABLE) 14th and Constitution Avenue, NW Washington, D.C. 20230 202-482-5770 GRANTS TO PRODUCERS OF HONEY, COTTON, RICE, SOYBEANS, CANOLE, FLAXSEED, MUSTARD SEED, RAPESEED, SAFFLOWER, SUNFLOWER SEED, FEED GRAINS, WHEAT, RYE, PEANUTS, TOBACCO, DIARY PRODUCTS, COTTON, CORN, BARLEY, OATS, SORGHUM AND DIARY FARMERS WHOSE MILK IS CONTAMINATED BECAUSE OF PESTICIDES Contact: Deputy Administrator 202-720-7641 Agricultural Stabilization and Conservation Service 202-720-7583 P.O. Box 2415 202-720-7673 U.S. Department of Agriculture 202-720-4418 Washington, D.C. 20013 (13,000,000,000.00 CURRENTLY AVAILABLE) Department of Economic Development & Tourism 1100 St. Francis Dr. Room 2006 Santa Fe, NM 87503 505-827-0425 P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management. CORPORATE GIVEAWAYS MOBILE OIL CORPORATION Contact: Richard G. Mund 3225 Gallows Road Fairfax, VA. 22037-0001 (703)846-3381 Fax #(703)846-3397 Grant types: Capital, Department, Employee matching gifts, general support, project research and scholarship. Initial contact proposal(local, community based organization's should contact Mobil manager in their area. Include information on, description of organization and it's goals, amount requested, and specific purpose, other sources of funding, budget and audited financial statement, other pertinent information. MOTOROLA INCORPORATED Contact: Pamela Cox 1303 E. "E" Algonquin Road Schaumburg, IL 60196 (847)576-6200 Fax : 847-576-3997 Grant types: Capital, Employee matching gifts, general support, project and scholarship's. Initial contact: Call or write for guidelines, then two page proposal. TOYOTA MOTOR SALES Contact: William Pauli 19001 South Western Avenue Torrance, CA 90509 310-618-4000 Grant types: Capital, Employee matching gifts, general support, fellowships, emergency, matching, and project. MOTOROLA AND TOYOTA AND MOBIL Do not give grants to individuals, but if your organization or institution is seeking cash these are some sources. Minority Business Development Agency NEW YORK REGIONAL OFFICE 26 Federal Plaza, Room 3720 New York, NY 10278 Contact: Heyward Davenport (212) 264-3262 Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont, Delaware, Pennsylvania, W. Virginia, Washington DC, Virginia, Maryland, District of Columbia ATLANTA REGIONAL OFFICE 1401 W Peachtree St. NW, Suite 1715 GA 30308 Contact: Robert Henderson (404)730-3300 Alabama, Florida, Georgia, Kentucky N. Carolina, S. Carolina, Puerto Rico, Virgin Atlanta, Islands, Tennessee CHICAGO REGIONAL OFFICE 55 E Monroe St, Ste 1406 Chicago, IL 60603 Contact: David Vega (312) 353-0182 Illinois, Indiana, Iowa, Kansas, Michigan Minnesota, Missouri, Nebraska, Ohio Wisconsin DALLAS REGIONAL OFFICE 1100 Commerce St, Room 7B-23 Dallas, TX 75242 Contact: John Iglehart (214) 767-8001 Arkansas, Colorado, Louisiana, Montana New Mexico, North Dakota, Oklahoma, South Dakota, Texas, Utah, Wyoming SAN FRANCISCO REGIONAL OFFICE 221 Main St, Room 1280 San Francisco, CA 94105 Contact: Melda Cabrea (415) 744-3001 Alaska, American Samoa, Arizona, California, Guam, Hawaii, Idaho, Nevada Oregon, Washington, Arizona FOUNDATION GRANTS A foundation is a nonprofit organization whose main purpose is to improve society. Each foundation has it's own special field of interest, and if you meet the eligibility requirements within that special interest, you can receive cash grants. There are more than 30,000 active private foundations in the United States. These foundations have been created by individuals, businesses, and large corporations. An individual might want to give back part of their wealth to society, another may give money in remembrance of a loved one. Foundation Grants For Business Related Purposes Top The Wilder Foundation (PR) P.O. Box 99 Key Biscayne, FL 33149 Program Description: Cultural and Educational support funding. Support general purposes, building funds, endowment funds, research, scholarship funds and matching funds. Contact person: Rita or Gary Wilder, President and Vice President. Sales Office of Technology Development Forum Bldg. Room 352 Harrisburg, PA 17120 (717)787-4147 Program Description: Research seed grant for developing or commercializing new technology. Contact person: n/a John W. Anderson Foundation (NP) 402 Wall Street Valparaiso, IN 46383 (219)462-4611 P/D: Building grants for the following fields of interest. Child welfare, health organization, social welfare, physical and mentally disabled, hospital, college and universities, community development, youth organizations. Contact person: William N. Vinovich, Vice Chairman Pew Charitable Trust 2005 Market Street, #1700 Philadelphia, PA 19102 (215) 575-9050 P/D: Funding for the environment, conservation, art, education, culture. Contact person: Rebecca W. Rimel, President William G. Selby and Marie Selby Foundation (NP) 1800 2nd Street, Suite 905 Sarasota, FL 34236 (941)957-0442 P/D: Building and equipment grants for the following fields of interest. All levels of education, elderly, disabled, social welfare, health organization, public television, performing arts, YMCA, renovation grants. Contact person: Robert E. Perkins Exec. Dir. John S. and James L. Knight Foundation (NP) One Biscayne Tower, Suite 3800 2 S. Biscayne Blvd., Miami, FL 33131-1803 (305) 908-2600 P/D: Celebrating its 50th anniversary in 2000, the John S. and James L. Knight Foundation makes national grants in journalism, education and arts and culture. Its fourth program, community initiatives, is concentrated in 26 communities where the Knight brothers published newspapers, but the Foundation is wholly separate from and independent of those newspapers. Grants given in areas of, for the following fields of interest: museums, performing arts, zoos, community development, churches, women minorities, social welfare, recreation, higher education, hospice, disabled, youth organizations, homeless, child welfare, low income housing, food banks, boys club, renovation grants. Sales Office of Minority, Women & Emerging Small Bus. 155 Cottage Street NE, 3rd Floor Salem, OR 97310 (503) 378-5651 P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management. Chatos Foundation Inc., (NP) P.O. Box 915048 Longwood, FL 32791 P/D: Building and equipment grants for the following fields of interest. Social welfare, cultural organization, colleges and universities, hospitals, religious org., child welfare, homeless, recreation, disabled, renovation grants. Contact person: William J. Chatos, President. Dept. of Economic Dev. 7 Jackson Walkway Providence, RI 02903 (401) 277-2601 P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management. Michigan Strategic Fund 525 W. Ottawa 3rd Floor Lansing, MI 48909 (517)373-1820 P/D: Grants $20,000 to $50,000 for prototype development and to support certain small business innovation projects for Michigan residents. State Research Fund (1-517-335-2139 If they are not currently making loans or grants you can also contact the Federal Small Business Administration at 1-800827-5722 to learn about financing programs for which you may qualify. Richard King Mellon Foun. 500 Grant Street, 41st Fl, Ste. 4106 Pittsburgh, PA 15219 (412)393-2800 P/D: Funding for education, health care, medical research, conservation, social services, mainly in Pittsburgh and western Pennsylvania. Contact person: Michael Watson, VP Oregon Resource & Technology Dev. Corp. 1934 NE Broadway Portland, OR 97232 (503)282-4462 P/D: Seed and early-state capital for new products. Department of Economic Dev 301 Centennial Mall South Lincoln, NE 68509 (800)426-6505 P/D: Economic Development Finance Program/Community Development Block Grant Program: provides grants to businesses for job-creating business development in towns under 2,500 population. Maximum loan is 50% of the project cost. At least one new job must be created or retained for every $20,000 and at least 51% of the jobs created or retained must be for low and moderate income persons. (402)471-4167 Retirement Research Foundation 8765 W. Higgins Rd., Ste. 401 Chicago, IL 60631 (773)714-8080 P/D: Funding to improve the quality of life of senior citizens, including nursing home care, unemployment, opportunities, independent living. Limited mostly to the Midwest & Florida area. Contact person: Marilyn Hennessy, Pres. Economic Development & Commercial Revitalization Bureau of Community Assistance 2740 Centerview Drive Tallahassee, FL 32399 (904)488-3581 P/D: Small City Community Development Block Grant Program: grants funds to small cities which lend money to businesses in order to foster economic development. Rhode Island Dept. of Economic Development 7 Jackson Walkway Providence, RI 02903 (401)277-2601 P/D: One stop center which provides assistance and information to Business. Various small business grants, innovative and applied research grants, tax incentives. Troy Foundation c/o Star Bank 910 W. Main Street Troy, OH 45373 (513) 335-8513 P/D: Local funding for community development, recreation, education, youth, cultural programs. Contact person: Melissa A. Kleptz Exec. Dir. Missouri Dept. of Economic Dev Box 118 Jefferson City, MO 65102 (314)751-0717 P/D: Development Block Grants: make funds of up to $500,000 available for commercial rehabilitation of buildings for business, commercial industrial purposes. New jobs must be created, at least 51% for low & moderate income persons. Sun Trust Bank Atlanta Foundation c/o Suntrust Co. Bank, Atlanta P.O. Box 4418, MC 041 Atlanta, GA 30302 (404)588-8250 P/D: Special project funds, building funds, renovation projects, equipment and employee matching gifts for local community development, welfare, social services, education, cultural programs, the arts and youth agencies. Contact person: Victor A. Gregory Secretary Dept. of Community Dev. P.O. Box 48300 Olympia, WA 98504 (206)753-5632 P/D: Community Development Block Grant and Community Development Finance Program: provide loans, loan guarantees, and grants to businesses in select small cities and counties of Washington for economic development. B. W. A. (NP) 321 E. Walnut, Suite 200 Des Moines, IA 50309 (319)277-6108 P/D: Building and equipment grants for the following fields of interest. Child welfare, cultural organizations, renovation grants. Contact person: Harriet Macomber President Allen H. & Selma W. Berkman Charitable Trust 1500 Oliver Bldg. Pittsburgh, PA 15232 (412)355-8640 P/D: Local funding for community and urban development, historic preservation, arts, health and social services. Contact person: Allen H. Berkman President The Ben May Charitable Trust (FT) Am South Bank, N.A. PO Drawer 1628 Mobile, AL 36629 Application address: P.O. Box 123 Mobile, AL 36601 P/D: Grants for higher education, cancer and community development. No application form required. Contact person: Mr. Vivian G. Johnston, Jr., Chairperson, Distribution Committee. Fair Play Foundation (FT) 350 Delaware Trust Building Wilmington, DE 19801 (302)658-6771 P/D: Renovation projects, equipment and land acquisition for historic preservation, museums, environment and wildlife. Contact person: Blaine T. Phillips President Sales Office of Business Dev. 1625 Broadway, Ste. 1710 Denver, CO 80202 (303)892-3840 P/D: Rural Development Financing Program and Economic Development Commission Funds: make grants to businesses which create or retain jobs for low/moderate income persons. Florida First Capital Finance Company Dept. of Commerce Bureau of Business Assistance 107 W. Gains Street Tallahassee, FL 32399 (904) 487-0466 P/D: Small Business Innovation Research Grants Program: provides financing for the early research and development phase of innovation for small technology-based businesses. Rhode Island Foundation 70 Elm Street Providence, RI 02903 (401)274-4564 P/D: Funding for arts, education, environment, social services, child welfare, health in Rhode Island. Contact person: Ronald Thorpe, VP Pro. The Needmor Fund (PR) 2305 Canyon Blvd., Suite 101 Boulder, CO 80302 P/D: Seed money, technical assistance, general purposes, operating budgets for projects designed to empower disadvantaged populations. Emphasis on grassroots, member-controlled organizations with realistic strategies and goals. Funding interest includes the environment agriculture, rural development, housing, community development and minority populations Contact person: Lynn Gisi, Coordinator The Hawaii Community Foundation (FT) 900 Fort Street Mall, Suite 1300 Honolulu, HI 96813 (808) 537-6333 P/D: Funds for families in crises, youth problems, environment concerns, historic preservation, community-based economic development and family services. Grants for operating budgets, seed money, equipment, technical assistance, research, special projects, renovations, student aid, scholarship funds, consulting services and seminars. Contact person: Jane Renfro Smith, Chief Executive Officer Hall Family Foundation (PR) Charitable & Crown Investment-323 P.O. Box 419580 Kansas City, MO 64141-6580 (816) 274-8516 P/D: Funding support for the arts, youth (especially education) economic development, and the elderly. Grants for program-related investments, seed money, emergency funds, building funds, special projects and renovation projects. Contact person: Wendy Burcham, Peggy Collins, Margaret H. Pence or John Laney, Program Officers. Virginia Dept. of Housing and Community Dev. 205 N. 4th Street Richmond, VA 23219 (804)786-4474 P/D: Community Development Block Grants: are made to cities and counties which in turn lend them to eligible businesses to provide jobs. General Research & Technology Activity Assistant Secretary Policy Development & Research Budget, Contracts and Program Control Division, Department of Housing & Urban Development 451 76th Street SW Washington, DC 20410 (202)708-1796 P/D: Project grants for research and demonstration projects preselected by the Department of Housing and Urban Development as high priority projects designed to improve HUD program operations. Utah Technology Finance Corp. 419 Wakara Way Salt Lake City, UT 84108 (801) 364-4346 P/D: Grants to assist the growth of new and emerging technology businesses. The Christian Workers Foundation (PR) 3038 Bankhead Avenue Montgomery, AL 36106 Mailing Address: P.O. Box 457 Wolfeboro, NH 03896 P/D: Program related investments to evangelistic Christian organizations involved in youth work. Applications are by invitation only. No geographic restrictions. Contact person: G.R. Lockhart, Trustee Center for Innovation and Business Development Box 8103, University Station University of North Dakota Grand Forks, ND 58202 (701)777-3132 P/D: Grants to entrepreneurs for research on technical innovations. Metropolitan Life Foundation 1 Madison Avenue New York, NY 10010 (212) 578-6272 P/D: Funding for urban development, health, education, social services, cultural programs, art. Contact person: A. Dennis White, VP. Corporate Contributions Promotion of the Humanities Text/Publication Subventions, Division of Research Programs, Room 318 National Endowment for the Humanities Washington, DC 20506 (202) 606-0207 P/D: Project grants to publishing entities for the dissemination of works of scholarly distinction that, without support, could not be published. Eligible to non-profit and commercial scholarly presses and publishers. New Jersey Economic Development Authority Capital Place One 200 S. Warren Street, CN990 Trenton, NJ 08625 (609)292-1800 P/D: Direct loans, loan guarantees, revolving lines of credit. California Dept. of Commerce 801 K Street, Ste. 1700 Sacramento, CA 95814 (916)324-8211 P/D: Sales Office of Business Dev. Enterprises Zones: provide tax incentives to encourage job producing businesses. Department of Economic and Community Development 193 State Street, #59 August, ME 04333 (800)872-3838 P/D: Development Block Grant Loan Program: makes funds available to cities and counties which then lend the funds to businesses for commercial rehabilitation or existing buildings used for business, commercial, or industrial purposes. Every $15,000 must create one full-time job. David H. Koch Charitable Foundation (PR) 4111 E. 37th Street North Wichita, KS 67220 (316)832-5222 P/D: Grants for seed money, building funds, campaigns, scholarship funds, operating budgets, general purposes and continuing support. Focus on the arts, education, cultural programs and economics. Contact: Ruth E. Williams Minority Business Development Centers Office of Operations Minority Business Dev. Agency U.S. Department of Commerce, Rm.5096, 14th & Constitution Ave.,NW Washington, DC 20230 (202) 377-8015 P/D: Project grants for businesses willing to provide free management and technical assistance to economically and socially disadvantaged individuals who need help in starting and/or operating businesses. Primary objective of the assistance are to increase the gross receipts and decrease the failure rates of the client firms. National Contact: Associate Director, Office of Operations Xerox Foundation P.O. Box 1600 Stamford, CT 06904 (203) 968-3445 P/D: Funding for civic, cultural and social organizations, science & tech., higher education. Contact: Joseph M Calahan, VP The Nathaniel and Elizabeth P. Stevens Foundation (PR) P.O. Box 111 North Andover, MA 01845 (508) 688-7211 P/D: Support for conservation, housing social services, historic preservation, the arts. Grants for general purposes, program-related investments, seed money, emergency funds, building funds, equipment, land acquisition, matching funds, and special projects. Contact: Elizabeth A. Beland, Administrator. Department of Economic Development & Tourism 1100 St. Francis Dr. Room 2006 Santa Fe, NM 87503 (505)827-0425 P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management. Foundation for the Tri-State Community (FT) P.O. Box 2096 Ashland, KY 41105 (606)324-3888 P/D: Funding for charitable, scientific, cultural, and educational concerns. Support for general purposes, special projects, seed money, consulting services and technical assistance. Contact: Theodore N. Burke Jr., Chief Exec. Officer and President Management and Technical Assistance for Minority Business Enterprises Office of Minority Economic Impact Department of Energy Forrestal Building, Rm. 5B-110 Washington, DC 20585 (202) 586-1594 P/D: Grants and services to encourage increased participation of minority and women business enterprises (MBEs) in the Department of Energy=s high technology research and development activities. Omaha Community Foun. Two Central Park Plaza 222 South 15th Street Omaha, NE 68102 (402)342-3458 P/D: Support for cultural programs, education, neighborhood and community development, health, social services, women and youth. Grants for building funds, conferences and seminars, continuing support, emergency funds, matching funds, publications, renovation projects, seed money, technical assistance and other types of support. Contact person: W. Earl Taylor, Exec. Director Promotion of the Humanities Centers for Advanced Study Centers for Advanced Study Division of Research Programs National Endowment for the Humanities, Rm. 318 Washington, DC 20506 (202) 606-8210 P/D: Support to independent research centers, American research centers overseas, and independent libraries and museums for interrelated scholarly research in well-defined subject areas. Funding provided allows these research centers to offer fellowships stipends. Department of Commerce 1424 Ninth Avenue Helena, MT 59620 (406)444-3757 P/D: Development Block Grant Program: make funds of up to $500,000 available for business, commercial, industrial purposes. New jobs must be created, at least 51% for low and moderate income persons. Mc Inery Foundation (NP) c/o Pacific Century Trust 130 Merchant Street Honolulu, HI 96813 (808)538-4944 P/D: Building and equipment grants for the following fields of interest. Hospitals, youth organizations, special education, social welfare, performing arts, abused women. Operating Assistance for Troubled Multifamily Housing Projects Director, Office of Multifamily Housing Management, Dept. of Housing and Urban Devlop. Washington, DC 20410 (202)708-3730 P/D: Flexible subsidy to assist in restoration and maintenance of physical/financial stability of structure; top assist with ongoing management and operating costs of low-to-moderate-income projects approved under the National Housing Act or under the HUD Act of 1965. National Contact: Director, Program Support Branch. Boettcher Foundation (NP) 600 17th Street, Ste. 2210S Denver, CO 80202 (303)534-1937 P/D: Building and equipment grants. Grants issued throughout Colorado for the following fields of interest: Low income housing, disabled, elderly, child welfare, hospitals, community development, all levels of education, youth organizations, health organizations, social welfare, performing arts, museums, zoos, planned parenthood, boy scouts. Contact: Timothy W. Schultz, Pres. The Minneapolis Foundation A200 Foshay Tower 821 Marquette Avenue South Minneapolis, MN 55402 (612)339-7343 William C. And Taheodosia Murphy Nolana Found. 200 N. Jefferson, Ste. 308 El Dorado, AR 71730 P/D: Building and equipment grants for the following field of interest: Hospitals, education, cultural organizations. Contact: William E. Nolan, VP Post & Courier Foundations 134 Columbus Street Charleston, SC 29403 (803)577-7111 P/D: Local funding for community dev., law enforcement, cultural programs, conservation. Contact: J. Douglas Donehur, Admin. Sunnen Foundation (PR) 7910 Manchester Avenue St. Louis, MO 63143 (314)781-2100 P/D: Grants for matching funds, special projects, capital campaigns, endowment funds. Support for family planning, civil rights, child welfare, youth, family services, primarily for protection of reproductive and First Amendment Rights. Contact: Helen S. Sly, President Division of Economic & Community Development Dept. of Commerce Barrett Bldg. 4th fl. North Cheyenne, WY 82002 (307)777-7284 P/D: Economic Development Block Grant Program: gives money to participating cities, towns and counties for economic development projects, which then lend the money to local businesses to create jobs. Biological Models and Materials Research Office of Grants and Contract Management, National Center for Research Resources, National Institutes of Health Public Health Service Bethesda, MD 20892 P/D: Project Grants and SBIR Grants to fund biomedical research in non-mammalian models. Eligible to hospitals, educational institutions, and other organizations. SBIR grants are awarded to small domestic businesses with fewer than 500 employees. Contact: Grants Management Officer Kimberly-Clark Foundation P.O. Box 619100 Dallas, TX 75161 (214)830-1200 P/D: Funding for community development, conservation, museums, the arts, youth, drug abuse, higher education, primarily where the corporation has operations. Contact: Colleen B. Manno, VP Phelps Dodge Foundation- NP 2600 N. Central Avenue Phoenix, AZ 85004 (602)234-8100 P/D: Building and equipment grants for the following fields of interest. Welfare, cultural organizations, performing arts, youth organizations, health organizations social welfare, community development, YMCA. Contact: R. C.I Swan, Pres. Women=s Business Ownership Assistance Small Business Administration Office of Women=s Business Ownrshp 409 3rd Street, SW Washington, DC 10416 (202) 205-6673 P/D: This office makes a small number of grant to nonprofit organizations to run women's business centers. Their website home page at www. sba. gov/womeninbusiness and the Online Women's Business Center website is at www.onlinewbc.gov . Their programs and services, including loan guaranty programs and more. are administered through the SBA district offices across the country. There is at least one in your state; you can call the SBA Answer Desk at 1-800-U ASK SBA. Charles Stewart Mott Foun. Office of Proposal Entry 1200 Mott Foundation Building Flint, MI 48502-1851 (313)238-5651 P/D: Program-related investments, support for community improvement and education, environmental management, vocational education, family services, early childhood education and minorities. Contact: Judy Samelson, VP. Comm. Bureau of Minority Business Development Dept. of Development, P.O. Box 7970 Madison, WI 53707 (608)267-9550 P/D: Grants for woman owned and minority owned businesses, plus special information sources to assist in all aspects of business management. Procurement Assistance to Small Businesses Associate Administrator Procurement Assistance Small Business Administration 409 3rd Street, SW Washington, DC 20416 (202)205-6460 P/G: Assistance to small businesses to help them obtain contracts and subcontracts for federal government supplies and services and to help obtain property sold by the federal government. Eligible to existing and potential small businesses, i.e. those that are independently owned and operated but are not dominant in their fields. Local Contact: Field Office of Small Business Admin. Management and Technical Assistance for Socially and Economically Disadvantaged Businesses Associate Administrator Minority Small Business & Capital Ownership Development Small Business Administration 409 3rd Street, SW # Washington, DC 20416 (202)205-6423 P/D: Project grants to give technical and management assistance to individuals, public and private organizations to help them succeed with existing or potential businesses that are socially or economically disadvantaged and are located in areas of high unemployment. Ramuson Foundation (PR) c/o National Bank of Alaska P.O. Box 10060 Anchorage, AK 99510 (907) 265-2908 P/D: For Alaska nonprofit organizations. Building and equipment grants. Performing arts; museums, community development; social welfare; youth organizations, elderly, disabled, recreation. Contact: Diane Kaplan Business Services Office of Small and Disadvantaged Business Utilization, General Services Administration Washington, DC 20405 (202) 501-1021 P/D: Provides small and disadvantaged business firms with advice and counseling on taking advantage of government contracting opportunities. Procurement and surplus sales contracts are available as are concession and construction contracts. National contacts: Dir. Local Contact: Business Serv. Ctr. General Services Administration Deposit Guaranty Foun. (PR) One Deposit Guaranty Plaza P.O. Box 730 Jackson, MS 39105 P/D: Program-related investments and other types of support for education, community fund, social services, youth and the arts. Contact: William M. Jones Sen. VP Deposit Guaranty Nat=l Bank Engineering Grants Directorate for Engineering National Science Foundation 4201 Wilson Boulevard Arlington, VA 22230 (703)306-1302 P/D: Grants for research in engineering and technology, including funds for laboratory improvement and for research opportunities for women, minorities and disabled scientists and engineers. Contact: Paul Herer, Senior Advt., Direct. For Engineering Computer and Information Science and Engineering Computer and Information Science and Engineering, National Science Foundation 4201 Wilson Boulevard Arlington, VA 22230 (703)306-1900 P/D: Grants funding to support research to improve the fundamental understanding of computer and information processing, to improve the training and education of scientists, engineers, and other personnel in the field, to provide access to advanced computer networking capabilities. Available to small businesses as well as academic institutions and government agencies. Commercial Drivers Ed. Division of National Programs Office of the Assistance Secretary for Vocational and Adult Education U.S. Department of Education 400 Maryland Ave, SW Washington, DC 20202-7242 (202) 205-5864 P/D: Project grants to establish and operate adult education programs to improve literacy skills of commercial drivers. Contact: Paul Geib Cooper Foundation (PR) 304 Cooper Plaza 211 North 12th Street Lincoln, NE 68508 (402)476-7571 P/D: Seed money, general purposes, and matching funds for the arts, social services for humanities. Contact: Art Thompson, President The Lupin Foundation (PR) 3715 Prytania Street, Ste. 307 New Orleans, LA 70115 (504) 897-6640 P/D: Support for education, the arts, civic affairs, community development. Grants for equipment research, scholarship funds, special projects, matching funds, continuing support, general purposes, program- related investments, renovation projects and seed money. Contact: Loni Wesolowski Coordinator UNUM Charitable Foundation 2211 Congress Street Portland, ME 04122 (207)770-4378 P/D: Support for AIDS, the aged, handicapped, family services, community development, the arts, and education. Grants for capital campaigns, employee matching gifts, matching funds, seed money, and special projects. Contact: Janice Manning, Secretary Economic Dev. Administration 304 N. 8, #441 Boise, ID 83702 (208)334-1521 P/D: Makes grants to communities for industrial site development. Communities then makes grants for individual businesses which are enable to obtain loans from conventional sources. One job must be created for every $10,000. Federal Transit Capital Improvement Grants Federal Transit Administration U.S. Department of Transportation 400 Seventh Street, SW Washington, DC 20590 P/D: Project grants to help finance the acquisition, construction, reconstruction, and improvement of facilities and equipment for use in mass transportation service in urban areas, and to assist in coordinating such service with other forms or transportation in such areas. Robert Z. Hawkins Foun. One East Liberty St., Ste. 509 Reno, NV 89501 (702) 786-1105 P/D: Special project grants for youth, child welfare, higher education, community development, social services and Protestant giving. Contact: William A. Lindsay Capital Construction Fund Associate Administrator For Maritime Aids, Maritime Admin. U.S. Department of Transportation Washington, DC 20590 (202) 366-0364 P/D: Grants in the form of tax benefits for replacement vessels, additional vessels, or reconstructed vessels, built sand documented under the laws of the United States for operation in the United States= foreign, Great Lakes, or non contiguous domestic trade. For U.S. citizens who own or lease one or more eligible vehicles and demonstrate financial capability to complete program. Contact: Associate Administrator for Maritime Aids. Ellis L. Phillips Foundation 29 Commonwealth Avenue Boston, MA 02116-2349 (617) 424-7607 P/D: Seed money, funding for emerging organizations developing new programs, grants for education on public issues, bio-diversity conservation, women=s issues, music, visual arts and historic preservation. Contact. Janet Walsh, Exec. D EMPLOYEE GRANTS... HOME REPAIR... ELDERLY AND MORE Top Foundation=s in this section make grants directly to the employee=s, former employee=s, and families of employee=s of specific companies or corporation=s. Employee-related assistance may include education support, general welfare grants, in-kind services, personal, living, medical expenses, and other emergency or long-term benefits. American Express Foundation American Express Plaza New York, NY 10004 American Optical Foundation American Optical Corp. 14 Mechanic St., P.O. Box 1 Southbridge, MA 01550 Avon Products Foundation Nine West 57th Street New York, NY 10019 Beech Aircraft Foundation 9709 E. Central Avenue Wichita, KS 67201 Briggs & Stratton Corp. Foundation 12301 W. Wirth Street Wauwatosa, WI 53222 Brunswick Foundation, Inc. One Brunswick Plaza Skokie, IL 60077 Wal-Mart Foundation 608 SW 8th Street Bentonville, AR 72716 Disney Foundation 500 S. Buena Vista Street Burbank, CA 91521 Gerber Companies Foundation c/o Gerber Products Company 445 State Street Fremont, MI 49412 Alcoa Foundation Attn: F. Worth Hobbs, President 1501 Alcoa Bldg. Pittsburgh, PA 15219 Pollock-Krasner Foundation 725 Park Avenue (212)517-5400 New York, NY 10021 P/D: Grants based on need to talented artists to further their careers and their personal being. Emergency aid is also made in cases of personal catastrophe. Adolph and Esther Gottlieb Foundation 380 West Broadway (212)226-0581 New York, NY 10012 P/D: (1) Grants for painters and sculptors who=ve been working at least 20 years in a mature phase of their career; (2) Emergency assistance for painters and sculptors who have been working at least 10 years in a mature phase of their career and are in need due to some unexpected, catastrophic event. The Thanks Be To Grandmother Winifred Foundation P.O. Box 1449 Wainscott, NY 11975 P/D: Grants to women over 54 years to develop and implement programs that empower and enrich the lives of women. Ella Lyman Cabot Trust 109 Rockland Street Holliston, MA 01746 P/D: Grants to individuals for unique projects which have personal significance to them, and which have some promise of making a contribution to others. It seldom supports the writing of a book, production of a film, or completion of an artistic work. American Society of Journalists & Authors Charitable Tr. 1501 Broadway, Ste. 305 (212)997-0947 New York, NY 10036 P/D: Assistance to needy, established professional freelance writers 60 years of age or older, disabled or in an extraordinary professional crisis, and who have no pension from a former employer. Edward Albee Foundation c/o A. Kozak Co., 192 Lexington Ave., Ste. 1100 New York, NY 10016 P/D: Grants of a free room in the foundation=s living colony for one month to writers, visual artists, and scultors. Theodore A. Vierra Foundation c/o Hawaiian Trust Co. P.O. Box 3170 (808)525-4548 Honolulu, HI 96802 P/D: Assistance to needy Hawaiian residents, generally age 50 and older. Phone numbers periodically change without notice, please refer to that states local (area code) and 555-1212 directory Dept. of Housing and Urban Affairs (HUD) Interest Reduction Payments, Office of Multifamily Housing Management, Philadelphia Regional Office. Liberty Square Bldg. 105 South Seventh Street (215)597-2560 Philadelphia, PA 19016 P/D: Direct payments to reduce interest payments for low and moderate - income persons in rental & cooperative housing. Welfare Trust Fund Of The Twenty-Five Year Club of I.D c/o The Bank of New York, Tax Dept. One Wazil Street New York, NY 10286 P/D: Grants for aged, infirmed or other-wise needy individuals connected with the independent distribution of magazines, small-sized books, or newspapers. Tallman Boys Fund Trust c/o First American Trust Co. 1 Dearborn Sq., Kankakee, IL 60901 P/D: Short term aid to neglected or homeless Protestant boys under 12 living in Kankakee County. Puffin Foundation 20 East Oakdene Avenue (201) 836-8923 Teaneck, NJ 07666 P/D: Grants to encourage and help young artists in the areas of the written word and performing arts. Greater Tacoma Community Foundation P.O. Box 1995 (206) 383-5622 Tacoma, WA 98401 P/D: Grants to any unwed mother-to-be who lives in Pierce County, Washington, and is pregnant with her first child.. Attila Szigethy Foundation 400 Old Pond Road (412) 221-7600 Bridgeville, PA 15017 P/D: Grants to widows or direct descendants of persons who actively fought on the side of the Hungarian Freedom Fighters against the Hungarian communist government in 1956. Steve Stove Foundation P.O. Box 307, Olf Ferry Road (615)244-7040 Ashland City, TN 37015 P/D: Aid to needy Tennessee residents, including employees of State Industries company. Musicians Emergency Relief Fund - Local 802 330 W. 42nd Street (212) 245-4802 New York, NY 10036 P/D: Welfare assistance to sick, distressed or indigent musicians who=ve been union members for at least 3 years. J. F. Schoellkiopf Silver Wedding Fund c/o Manufacturers & Traders Trust Co. P.O. Box 22900 Rochester, NY 22900 P/D: Welfare assistance to Buffalo residents who are members or spouses or children of members of the Mutual Aid Society. Frank Rider Trust c/o Maurice Allert P.O. Box 195 (509)523-4693 Rosalia, WA 99170 P/D: Grants mainly for indigent Masons in Whitman, Lincoln, Adams, Franklin, and Grant Counties in Washington State. Ontario Children=s Home P.O. Box 82 Canadaigua, NY 14424 P/D: Grants for child daycare, youth organization memberships, children=s medical expenses, day camp, field trips, and taking part in Special Olympics. Dramatists Guild Fund 330 W. 42nd Street (212)268-1208 New York, NY 10036 P/D: Grants in aid to needy playwrights in New York who have their works produced or published. Lenna M. Keith Charitable Trust c/o Michigan National Bank P.O. Box 1707 (616)451-7628 Grand Rapids, MI 49501 P/D: Financial assistance to needy residents at Burcham Hill Retirement Center, Lansing, MI. Great Commission Foundation 10454 County Road., 128 (419)424-0422 Findlay, OH 45840 P/D: Grants to individuals who agree with and who strive to uphold the statement of Christian faith set forth by the Foundation. District Lodge No.3 of Norway Charitable Trust 121 Glen Road North Babylon, NY 11703 P/D: Grants to indigent individuals of Norwegian descent, who are members in good standing of Sons of Norway, District Lodge No. 3. The de Kay Foundation c/o Chemical Bank 270 Park Avenue., 27th Floor (212)270-9077 New York, NY 10017 P/D: Financial assistance to needy elderly persons Aof culture or refined heritage@ in New York, New Jersey and Conn. Farmers Home Administration (FMHA) Federal Building 1220 SW Third Ave., Room 1590 (503)326-2731 Portland, OR 97204 P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grant recipients must be at least 62 years old and unable to repay a loan. Dallas Cotton Exchange Trust c/o Texas Commerce Bank P.O. Box 2320 Dallas, TX 75221 P/D: Financial assistance to individuals engaged or formerly engaged in the cotton merchandising business in Dallas, their employees or former employees. If these individuals are unable to earn a sufficient amount to meet the basic cost of living, their immediate family members are also eligible. The James Gordon Bennett Memorial 100 Bertwell Road Lexington, MA 02173 P/D: Pecuniary aid to needy journalists who have been employees for ten or more years on a daily newspaper in New York City. Acceptance is based on need and is to be used for the physical needs of person.. who, by reason of old age, accident or bodily infirmity, or through lack of means, are unable to care for themselves. Nurses House Financial Assistance Nurses House, Inc. 350 Hudson Street (212)989-9393 New York, NY 10014-4504 P/D: Assistance is provided to registered nurses who need temporary financial assistance because of disability, illness, unemployment, or other causes. Requests for assistance can be made by the nurse, a colleague, a friend, or other source. The amount of assistant offered depends on need of the recipient. These are short term grants to tide the nurse over a temporary crisis or need. Applications may be submitted at any time. Allgemeiner Deutscher Frauen-Hilfsverein (also known as German Ladies General Benevolent Society) P.O. Box 27101 (415)391-9947 San Francisco, CA 94127 P/D: Provides temporary assistance to needy women and children of German descent residing in the San Francisco Bay Area, CA. Application form required. Contact: Inge G. Byrnes, Secy-Treasurer. Veterans Housing-Guaranteed and Insured VA Home Loans Alaska Housing Finance Corp. P.O. Box 101020 (907)561-1900 Anchorage, AK 99510 P/D: Interest subsidies, tax breaks, to buy, construct, repair homes, mobile homes, condominium units. Ella B. Thompson Trust c/o Nations Bank of Texas, N.A. P.O. Box 2518, TX4-213-31-09 Houston, TX 77252-2518 P/D: Financial assistance to retired school teachers of the Galveston Public School System TX. Contact foundations for guidelines. Westport-Weston Foundation Trust c/o The Westport Bank & Trust Co. P.O. Box 5177 Westport, CT 06881 P/D: Grants for assistance with medical and basic living expenses and Christmas presents to financially needy residents of Westport and Weston, CT only. Applications accepted throughout the year. Initial approach by letter. Completion of formal application required. Farmers Home Administration Alabama Development Office 401 Adams Ave., #600 Montgomery, AL 36130 P/D: The federal government and state governments have funds available to renters, homeowners, real estate investors as well as developers in urban and rural areas. These funds can take the forms of grants and direct payments. Society of Kastorians AOmonoia@ Inc. 246 Eighth Avenue (212)242-1930 New York, NY 10011 P/D: Relief assistance to financially needy individuals in NJ and NY. Contact the society for current application guidelines. Contact: Vasili Zissis, Dir. Smock Foundation Grants Frank L. and Laura L Smock Foundation c/o Norwest Bank Fort Wayne Attn: Investments and Trust 111 E. Wayne Street, P.O. Box 960 (219)461-6444 Fort Wayne, IN 46801-6632 P/D: To provide financial assistance to elderly individuals of the Presbyterian faith who reside in Indiana and are in financial need. Dept. of Housing and Urban Affairs (HUD) Interest Reduction Payments Office of Multifamily Housing Management Albany HUD Office 52 Corporate Circle (518)464-4200 Albany, NY 12203 P/D: Direct payments to reduce interest payments for low and moderate - income persons in rental and cooperative housing. Farmers Home Administration (FMHA) 3727 Government Street (318)473-7920 Alexandria, LA 71302 P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grants recipients must be at least 62 years old and unable to repay a loan. Sophia Byers Mc Comas Foundation c/o U.S. National Bank of Oregon P.O. Box 3168, Trust Div. (503)275-6564 Portland, OR 97208 P/D: Financial assistance by recommendation only to needy residents of Oregon. Applicants are recommended to the trustees by various church groups and service agencies. Approximately 40 individuals receive monthly grants from the foundation. Specially Adapted Homes for Disabled Veterans Department of Veterans Affairs 810 Vermont Avenue, N.W. (202)418-4343 / (800)827-1000 Washington, DC 20420 P/D: To provide financial assistance to certain disabled veterans for a home specially adapted to their needs. Veterans must be entitled to compensation for permanent and total service-connected disability due to 1) the loss or loss of use of both lower extremities, such as preclude locomotion without the aid of braces, crutches, canes, or a wheelchair, or 2) blindness in both eyes, having only light perception, plus loss or loss of use of 1 lower extremity, 3) a loss or loss of use of 1 lower extremity together with residuals of organic disease or injury or the loss or loss of use of 1 upper extremity, such as to preclude locomotion without resort to braces, canes, crutches, or a wheelchair. The VA may approve a grant of not more than 50 percent of the cost of building, buying, or remodeling homes for eligible veterans, or paying indebtedness of such homes already acquired. Applications are accepted at any time. Merchants Fund (Formerly Merchants-Oliver Fund) c/o 9 Hemmenway & Reinhardt, Inc. Four Park Avenue Swarthmore, PA 19081-1723 Application Address: c/o C. Joyce Kwaufmann, Secy.-Treas., P.O. Box 111 Point Pleasant, PA 18950 P/D: Relief assistance to indigent merchants, their widows, and their families in the Philadelphia, PA area. Applications accepted throughout the year. Initial approach by letter requesting application. Completion of formal application req. The Anshutz Family Foundation 555 17th Street., Suite 2400 (303)293-2338 Denver, CO 80202 P/D: The Foundation=s mission is to support efforts to assist the elderly, the young, and the economically disadvantaged. The Foundation expresses special interest in endeavors that promote community development which emphasizes self-sufficency. Further, the Foundation encourages strengthening the family and their values to become responsible citizens of society. The Foundations goal in philanthropy is to help people help themselves while preserving their self respect. Giving primarily in CO, with emphasis on Denver. Dept. of Housing and Urban Affairs (HUD) Interest Reduction Payments Office of Multifamily Housing Management Bangor HUD Office 23 Main Street (207)945-0467 Bangor, ME 04401 P/D: Direct payments to reduce interest payments for low-and moderate-income persons in rental and cooperative housing. Up To $10,000 For Refugees ORR/Division of Community Resettlement 370 L'Enfant Promenade, SW Sixth Floor Washington, DC 20447 202-401.924 Refugees can receive technical assistance, training, or loans of up to $10,000 through a program called the Micro-Enterprise Development Project. The program allows states and public or private, nonprofit organizations an institutions to apply to receive grants to develop and administer mien enterprise programs consisting of small-scale financing ($10,000) available through microloans to refugees. It also includes funding for technic; assistance and support to these refugee entrepreneurs. For information on organizations which were awarded grants, contact the office listed above Get Money From Your State Community Connections Information Center Office of Community Planning and Development P.O. Box 7189 Oaithersburg,MD 20898-7189 1-800-998-9999 This is the second largest component of the Community Development Block Grant (CDBO) program and aids communities that do not qualify for assistance under the CDBG entitlement program. The grants assist communities in carrying out a wide range of community development activities directed toward neighborhood revitalization, economic development, and the provision of improved community facilities and services. Funds can also be used to provide assistance to public and private organizations, agencies, and other entities (including nonprofits and for profits to facilitate economic development in supporting micro-enterprise). Funds can be used to establish credit (direct loans and loan guarantees, revolving loan funds, and more) for the stabilization and expansion of micro-enterprises; provide technical assistance, advice, and business support services to owners of micro-enterprises; and provide general support to owners of micro-enterprises and organizations developing micro-enterprises. If you are an interested citizen, you should contact your local officials for more information. If your local government or state officials cannot answer your questions, you may wish to contact the HUD Field Office that services your area (look for the office closest to you from the list later in this chapter). Be aware that the state administers the program and determines which local projects receive funding. You can also contact: Community Connections, Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD. 20898-7189; 1-800-998-9999 Public Housing Entrepreneurs U.S. Department of Housing and Urban Development Deputy Director of Resident Initiatives 451 Seventh Street, SW, Room 4112 Washington, DC 20410 202-619-8201 Call yourself a handyman and get money to fix up your neighborhood. Money is set aside to give to public housing residents to modernize existing public housing projects. The money can also be used to provide residents with on-the-job training in construction and contractor related trades. It's called the Comprehensive Grant Program, and is available to Public Housing Agencies of 250 housing units or more, which includes 897 public housing agencies nationwide. Contact your local Public Housing Authority for more information or you may contact the office listed above. South Carolina Specially Adapted Housing Tax Exemption South Carolina Division of Veterans Affairs 1205 Pendleton Street, Room 226 Columbia, SC 29201 (803)734-0200 fax (803)734-0197 P/D: To provide for the exemption of taxes on specially adapted housing in South Carolina that was acquired from the U.S. Department of Veterans Affairs. Veterans having service-connected disabilities resulting in the loss or loss of use of lower extremities (requiring braces, crutches, or wheelchairs for locomotion) as well as blinded veterans who have loss of use of a lower extremity qualify for specially adapted housing from the U.S. Dept. of Veterans Affairs. Disabled veterans who are residents of South Carolina and who have acquired such housing with financial assistance from the VA are eligible for this exemption. If the eligible veteran is deceased, the spouse, dependent children, or dependent parents are eligible for the exemption. Applications may be submitted at any time. John Anson Kittredge Educational Fund c/o Key Trust Co. of Main P.O. Box 1054 Augusta, ME 04332 P/D: Grants to artists and scholars for travel to conferences, research, and other projects. Michigan State Housing Development Authority P.O. Box 30044 (800)327-9158 Lansing, MI 48909 P/D: Grants for single-family homes and condominiums Rent subsidies for low income households in Grand Rapids and Buena Vista. Farmers Home Administration 355 East Hancock Avenue (706)546-2152 Athens, GA 30610 P/D: Grants to assist very low and low-income rural homeowners to repair or rehabilitate their housing. Roncari Family Foundation, Inc. c/o Pepe & Hazard Goodwin Sq., Hartford, CT 06103-4302 Application Address: c/o Raymond A. Roncari P.O. Box 326 Windsor Locks, CT 06096 P/D: General support grants primarily to residents of CT, with preference shown to members of the clergy. Applications by letter accepted throughout the year. Albert B. Cutter Memorial Fund c/o Box 712 (909)781-1464 Riverside, CA 92506 P/D: Limited emergency grants only to persons who have been permanent residents of Riverside, CA for a minimum of one year and have been referred by local agencies. Application accepted from local agencies throughout the year. Completion of formal application required. Interview or presentation recommended. Individuals are referred by local agencies. Contact: Trust Dept. Frank Rider Trust P.O. Box 195 (509)523-4659 Rosalia, WA 99170-0195 P/D: Assistance to indigent Masons in Whitman, Lincoln Adams, Franklin, and Grant counties. Applications accepted throughout the year. Completion of formal application required. Farmers Home Administration (FMHA) P.O. Box 147010 (904)338-3400 Gainesville, FL 32614 P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grant recipients must be at least 62 years old an unable to repay a loan. The CB Trust 8201 Preston Road, Suite 600 (214)890-8000 Dallas, TX 75225 P/D: Grants to players and coaches, and their spouses, who are now or were at one time on the active roster of a member team of the National Football League. Applications accepted throughout the year. Applications by letter outlining financial need. The Bill Baldwin Fund, Inc., P.O. Box 388 (518)252-8420 Troy, NY 12181-0388 P/D: Financial Assistance to individuals who are or were employed in the publishing or periodical distribution industry. Kids Inc. Grants Kids, Inc. 9300-D Old Keene Mill Road (703)455-KIDS Burke, VA 22015 P/D: To fill the wishes of chronically or terminally ill children (frequently those suffering from cancer) who are 18 years of age or younger are eligible to apply. There are no geographical restriction in the United States. The amount involved varies, depending upon the cost of filling the child=s dream. Applications may be submitted at any time. Italian-American Community Services Agency (Formerly Italian Welfare Agency, Inc.) 678 Green Street San Francisco, CA 94133-3896 P/D: Assistance to indigent individuals, including senior citizens. Contact foundation for current application. guidelines. Western Association of Ladies for the Relief & Employment of the Poor c/o First Fidelity Bank Broad and Walnut Street Philadelphia, PA 19109 Application Address: c/o Marlane G. Bohon, Exec. Secy. 404 Beaumont Circle, (601) 692-7962 West Chester, PA 19380 P/D: Relief to the poor and aged of Philadelphia County, PA. Candidates must be referred by a social service agency and not be covered by government programs or other funding sources. Application accepted throughout the year. Application must be submitted in writing through a social worker from an approved social service organization. High Hopes Foundation Grants High Hopes Foundation of New Hampshire, Inc., P.O. Box 172 (603)898-5333 (800)639-6804 North Salem, NH 03073 P/D: To grant the wishes of chronically ill children and children with life threatening diseases who are between the ages of 3 and 18 are eligible for assistance if they live in New Hampshire. Applications may be submitted at any time. Dept. of Housing and Urban Affairs (HUD) Interest Reduction Payments Office of Multifamily Housing Management Manchester HUD Office 275 Chestnut Street (603)666-7681 Manchester, NH 03101 P/D: Direct payments to reduce interest payments for low-and moderate - income persons in rental & cooperative housing. Oklahoma Emergency Aid Grants Oklahoma Department of Veterans Affairs Veterans Memorial Building 2311 North Central P.O. Box 53067 (405)521-3684 Oklahoma City, OK 73152 P/D: To provide emergency aid to Oklahoma veterans and their families who, because of disaster are in financial need. Wartime veterans with at least 90 days of wartime service and an honorable discharge who are current residents of Oklahoma and who have resides in Oklahoma for 1 year immediately preceding the date of application are eligible for these grants. The cash may be used for rent or mortgage payments, food, and/or utilities by veterans who have suffered a loss from a disaster. Applications must be submitted to the local post or chapter of a veterans services organization for initial approval or disapproval. They may be submitted at any time during the year. Federal Money for Housing and Real Estate Ventures Top The following is a description of the federal funds available to renters, homeowners, developers, and real estate investors for housing assistance in urban and rural areas. This information is derived from the Catalog of Federal Domestic Assistance which is published by the U.S. Government Printing Office in Washington, D.C. The number next to the title description is the official reference for this federal program. Contact the office listed below the caption for further details. The following is a description of some of the terms used for the types of assistance available: Loans: money lent by a federal agency for a specific period of time and with a reasonable expectation of repayment. Loans may or may not require a payment of interest. Loan Guarantees: programs in which federal agencies agree to pay back part or all of a loan to a private lender if the borrower defaults. Grants: money given by federal agencies for a fixed period of time and which does not have to be repaid. Direct Payments: funds provided by federal agencies to individuals, private firms, and institutions. The use of direct payments may be "specified" to perform a particular service or for "unrestricted" use. Insurance: coverage under specific programs to assure reimbursement for losses sustained. Insurance may be provided by federal agencies or through insurance companies and may or may not require the payment of premiums. * Money for Conserving the Water and Soil During an Emergency (10.054 Emergency Conservation Program (ECP)) Agricultural Stabilization and Conservation Service U.S. Department of Agriculture P.O. Box 2415 Washington, DC 20013 202-720-6221 Objectives: To enable farmers to perform emergency conservation measures to control wind erosion on farmlands, or to rehabilitate farmlands damaged by wind erosion, floods, hurricanes, or other natural disasters and to carry out emergency water conservation or water enhancing measures during periods of severe drought. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Direct payments) $19,489,000. * Money to Insure Your Soil and Land Remains Intact (10.063 Agricultural Conservation Program (ACP)) Agricultural Stabilization and Conservation Service U.S. Department of Agriculture P.O. Box 2415 Washington, DC 20013 202-720-6221 Objectives: Control of erosion and sedimentation, encourage voluntary compliance with Federal and State requirements to solve point and nonpoint source pollution, improve water quality, encourage energy conservation measures, and assure a continued supply of necessary food and fiber for a strong and healthy people and economy. The program will be directed toward the solution of critical soil, water, energy, woodland, and pollution abatement problems on farms and ranches. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Direct payment) $146,618,000. * Money to Insure That Your Water is Clean (10.068 Rural Clean Water Program (RCWP)) Agricultural Stabilization and Conservation Service U.S. Department of Agriculture P.O. Box 2415 Washington, DC 20013 202-720-6221 Objectives: To achieve improved water quality in the most cost-effective manner possible in keeping with the provisions of adequate supplies of food, fiber, and a quality environment, and to develop and test programs, policies, and procedures for control of agricultural nonpoint source pollution. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Direct payments) $43,000. * Money to Improve Your Water and Soil (10.069 Conservation Reserve Program (CRP)) Agricultural Stabilization and Conservation Service U.S. Department of Agriculture P.O. Box 2415 Washington, DC 20013 202-720-6221 Objectives: To protect the Nation's long-term capability to produce food and fiber; to reduce soil erosion; to reduce sedimentation; to improve water quality; to create a better habitat for fish and wildlife; to curb production of some surplus commodities; and to provide some needed income support for farmers. Types of assistance: direct payments for specified use. Estimate of annual funds available: $1,808,578,000. Money Available to Change Your County Property Into a Wetlands (10.070 Colorado River Basin Salinity Control Program (CRBSCP)) Agricultural Stabilization and Conservation Service U.S. Department of Agriculture P.O. Box 2415 Washington, DC 20013 202-720-6221 Objectives: To provide financial and technical assistance to: (1) Identify salt source areas; (2) develop project plans to cany out conservation practices to reduce salt loads; (3) install conservation practices to reduce salinity levels; (4) cany out research, education, and demonstration activities; (5) carry out monitoring and evaluation activities; and (6) to decrease salt concentration and salt loading which causes increased salinity levels within the Colorado River and to enhance the supply and quality of water available for use in the United States and the Republic of Mexico. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Direct payments) $8,394,000. * Loans to Help Your Country Property Recover From an Emergency (10.404 Emergency Loans) Administrator, Consolidated Farm Service Agency U.S. Department of Agriculture Washington, DC 202-720-1632 Objectives: To assist established (owner or tenant) family fanners, ranchers and aquaculture operators with loans to cover losses resulting from major and/or natural disasters, which can be used for annual farm operating expenses, and for other essential needs necessary to return disaster victims' farming operations to financially sound bases in order that they will be able to return to private sources of credit as soon as possible. Types of assistance: direct loans. Estimate of annual funds available: $100,000,000. * Money to Build Houses for Your Employees (10.405 Farm Labor Housing Loans and Grants (Labor Housing)) Mulrifamily Housing Processing Division Consolidated Farm Service Agency U.S. Department of Agriculture Washington, DC 20250 202-720-1604 Objectives: To provide decent, safe, and sanitary low rent housing and related facilities for domestic farm laborers. Types of assistance: project grants; guaranteed/insured loans. Estimate of annual funds available: (Loans) $16,012,000. (Grants) $11,297,000. * Money to Buy, Fix Up or Build Houses in Small Towns (10.410 Very Low to Moderate Income Housing Loans (Section 502 Rural Housing Loans)) Administrator Consolidated Farm Service Agency U.S. Department of Agriculture Washington, DC 20250 202-720-7967 Objectives: To assist lower income rural families through direct loans to buy, build, rehabilitate, or improve decent, safe, and sanitary dwellings and related facilities for use by the applicant as a permanent residence. Subsidized funds are available only on direct loans for low and very low income applicants. Nonsubsidized Funds (loan making) are available for very low and low income applicants who are otherwise eligible for assistance, but based on the amount of the loan requested, the interest credit assistance formula results in no interest credit. Nonsubsidized funds (loan servicing) are available to very low, low and moderate income applicants/borrowers who do not qualify for interest credit assistance for: (1) Subsequent loans for repair and rehabilitation; and (2) subsequent loan part only (repair or rehabilitation or the payment of equity) in connection with transfers by assumption or credit sales. Loan guarantees are also available to assist moderate income rural families in home acquisition. Types of assistance: direct loans; guaranteed/insured loans. Estimate of annual funds available: (Direct Loans) $1,400,000,000 (for subsidized low or moderate income loans for servicing and repairs). (Guaranteed loans) $1,000,000,000. * Money for Nonprofits to Build Rental Houses in Small Towns (10.415 Rural Rental Housing Loans) Director Multifamily Housing Processing Division Consolidated Farm Service Agency U.S. Department of Agriculture Washington, DC 20250 202-382-1604 Objectives: To provide economically designed and constructed rental and cooperative housing and related facilities suited for independent living for rural residents. Types of assistance: direct loans. Estimate of annual funds available: (Direct Loans) $220,000,000. * Money to Improve Your Water for a House in the Country (10.416 Soil and Water Loans (SW Loans)) Administrator Consolidated Farm Service Agency U.S. Department of Agriculture Washington, DC 20250 202-720-1632 Objectives: To facilitate improvement, protection, and proper use of farmland by providing adequate financing and supervisory assistance for soil conservation, water resource development, conservation and use, forestation, drainage of farmland, the establishment and improvement of permanent pasture, the development of pollution abatement and control facilities on farms, development of energy conserving measures and other related conservation measures. Types of assistance: direct loans; guaranteed/insured loans. Estimate of annual funds available: (Direct Loans) $2,894,700. (Guarantee Loans) $832,290. * Loans and Grants to Fix Up Your House in the Country ($5,000 Grants) (10.417 Very Low Income Housing Repair Loans and Grants (Section 504 Rural Housing Loans and Grants) Director Single-Family Housing Processing Division Consolidated Farm Service Agency U.S. Department of Agriculture Washington, DC 20250 202-720-1474 Objectives: To give very low income rural homeowners an opportunity to make essential repairs to their homes to make them safe and to remove health hazards to the family or the community. Types of assistance: direct loans; project grants. Estimate of annual funds available: (Loans) $25,000,000. (Grants) $25,000,000. * Money to Conserve Soil and Water in Small Towns (10.900 Great Plains Conservation) Deputy Chief for Programs Soil Conservation Service U.S. Department of Agriculture P.O. Box 2890 Washington, DC 20013 202-720-1868 Objectives: To conserve and develop the Great Plains soil and water resources by providing technical and financial assistance to farmers, ranchers, and others in planning and implementing conservation practices. Types of assistance: direct payments for specified use; advisory services and counseling. Estimate of annual funds available: (Grants) $2,045,000. (Salaries and expenses) $8,892,000. * Money to Fix Up an Abandoned Coal Mine (10.910 Rural Abandoned Mine Program (RAMP)) Deputy Chief for Programs Soil Conservation Service U.S. Department of Agriculture P.O. Box 2890 Washington, DC 20013 202-720-2847 Objectives: To protect people and the environment from the adverse effects of past coal mining practices, and to promote the development of soil and water resources of unreclaimed mined lands. Types of assistance: direct payments for specified use; advisory services and counseling. Estimate of annual funds available: (Grants) $8,524,403. (Salaries and expenses) $4,854,550. * Loans to Fix Up Houses That Are More Than One Year Old (14.108 Rehabilitation Mortgage Insurance (203(k))) Director Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2720 Objectives: To help families repair or improve, purchase and improve, or refinance and improve existing residential structures more than one year old. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans insured) $201,259,000. * Loans to Buy Trailers (14.110 Manufactured Home Loan Insurance-Financing Purchase of Manufactured Homes as Principal Residences of Borrowers (Title 1)) Director Title I Insurance Division U.S. Department of Housing and Urban DevelopmentSOO-733-4663 Washington, DC 20410 202-708-2880 Objectives: To make possible reasonable financing of manufactured home purchases. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: Loans reported under program No. 14.142. * Loans to Co-op Investors (14.112 Mortgage Insurance for Construction or Substantial Rehabilitation of Condominium Projects (234(d) Condominiums)) Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 Objectives: To enable sponsors to develop condominium projects in which individual units will be sold to home buyers. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages ò insured) $0. * Loans to Homeowners Anywhere With 1 to 4 Family Units (14.117 Mortgage Insurance-Homes (203(b))) Director Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To help people undertake home ownership. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured-including funding for 14.119, 14.121, 14.163 and 14.175) $52 610,678 000. * Loans to Buy Single Family Homes for Disaster Victims (14.119 Mortgage Insurance-Homes for Disaster Victims (203(h))) Director Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To help victims of a major disaster undertake homeownership on a sound basis. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) reported under Program No. 14.117. * Money for Low to Moderate Income Families Hurt by a Disaster or Urban Renewal (14.120 Mortgage Insurance-Homes for Low and Moderate Income Families (221(d)(2))) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To make homeownership more readily available to families displaced by a natural disaster, urban renewal, or other government actions and to increase homeownership opportunities for low income and moderate income families. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $127,193,000. * Money for Homes in Outlying Areas (14.121 Mortgage Insurance-Homes in Outlying Areas (203(i))) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To help people purchase homes in outlying areas. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) reported under program No. 14.117. * Money for Homes in Urban Renewal Areas (14.122 Mortgage Insurance-Homes in Urban Renewal Areas (220 Homes)) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To help families purchase or rehabilitate homes in urban renewal areas. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $47,000. * Money for Homes in Older Areas of Town (14.123 Mortgage Insurance-Housing in Older, Declining Areas (223(e))) For Single Family: Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 For Multifamily: Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 Objectives: To assist in the purchase or rehabilitation of housing in older, declining urban areas. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured - single family and multifamily) $16,794,000. * Money to Buy a Co-op Apartment (14.126 Mortgage Insurance-Cooperative Projects (213 Cooperatives)) Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 Objectives: To make it possible for nonprofit cooperative ownership housing corporations or trusts to develop or sponsor the development of housing projects to be operated as cooperatives and to allow investors to provide good quality multifamily housing to be sold to such nonprofit corporations or trusts upon completion of construction or rehabilitation. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured-including funding for 14.132) $0. * Money to Buy a Trailer-Home Park (14.127 Mortgage Insurance-Manufactured Home Parks (207(m) Manufactured Home Parks)) Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 Objectives: To make possible the financing of construction or rehabilitation of manufactured home parks. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) Reported under program No. 14.134. * Money to Buy a Hospital (14.128 Mortgage Insurance-Hospitals (242 Hospitals)) Hospital Mortgage Insurance Staff U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-0599 and Division of Facilities Loans U.S. Department of Health and Human Services Rockville, MD 20857 301-443-5317 Objectives: To facilitate the affordable financing of hospitals for the care and treatment of persons who are acutely ill or who otherwise require medical care and related services of the kind customarily famished only or most effectively by hospitals. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $350,000,000. * Money to Buy a Condominium (14.133 Mortgage Insurance-Purchase of Units in Condominiums (234(c))) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To enable families to purchase units in condominium projects. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $4,844,885,000. * Money to Invest in Apartment Buildings for Middle Class Families (14.135 Mortgage Insurance-Rental and Cooperative Housing for Moderate Income Families and Elderly, Market Interest Rate (221 (d)(3) and (4) Multifamily - Market Rate Housing)) Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 Objectives: To provide good quality rental or cooperative housing for moderate income families and the elderly and handicapped. Single Room Occupancy (SRO)mayalsobeinsuredunderthissection(see 14.184). Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured excluding coinsurance) $444,913,000. * Money to Buy a Nursing Home (14.129 Mortgage Insurance-Nursing Homes, Intermediate Care Facilities and Board and Care Homes (232 Nursing Homes)) Policies and Procedures Division Office of Insured Mullifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20412 202-708-2556 Objectives: To make possible financing for construction or rehabilitation of nursing homes, intermediate care facilities and board and care homes, to allow purchase or refinancing with or without repairs of projects currently insured by HUD, but not requiring substantial rehabilitation, and to provide loan insurance to install fire safety equipment. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $1,019,908,000. * Money to Buy Your House if It is in a Long Term Ground Lease (14.130 Mortgage Insurance-Purchase by Homeowners of Fee Simple Title From Lessors (240)) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To help homeowners obtain fee-simple title to the property which they hold under long-term leases and on which their homes are located. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $0. * Money to Invest in Rental Housing for the Elderly (14.138 Mortgage Insurance-Rental Housing for the Elderly (231)) Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 Objectives: To provide good quality rental housing for the elderly. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $0. * Money to Invest in Rental Housing in Urban Renewal Areas (14.139 Mortgage Insurance-Rental Housing in Urban Renewal Areas (220 Multifamily)) For production information: Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 For management information: Director, Office of Multifamily Housing Management U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-3730 Objectives: To provide good quality rental housing in urban renewal areas, code enforcement areas, and other areas designated for overall revitalization. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) 0. * Money to Buy Your Co-op (14,132 Mortgage Insurance-Purchase of Sales-Type Cooperative Housing Units (213 Sales)) Director Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To make available, good quality, new housing for purchase by individual members of a housing cooperative. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) Reported under program 14.126. * Money to Fix Up Your Home (14.142 Property Improvement Loan Insurance for Improving All Existing Structures and Building of New Nonresidential Structures (Title 1)) Director, Title I Insurance Division U.S. Department of Housing and Urban Development800-733-4663 Washington, DC 20410 202-708-7400 Objectives: To facilitate the financing of improvements to homes and other existing structures and the building of new nonresidential structures. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans insured including funding for programs 4.110 and 14.162) $1,289,200,000. * Money to Fix Up Multifamily Projects (14.151 Supplemental Loan Insurance-Multifamily Rental Housing (241(a))) Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20411 202-708-2556 Objectives: To finance repairs, additions and improvements to multifamily projects, group practice facilities, hospitals, or nursing homes already insured by HUD or held by HUD. Major movable equipment for insured nursing homes, group practice facilities or hospitals may be covered by a mortgage under this program. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans) $43,630,000. * Money to Finance Coop Buildings (14.163 Mortgage Insurance-Single Family Cooperative Housing (203(n))) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To provide insured financing for the purchase of the Corporate Certificate and Occupancy Certificate for a unit in a cooperative housing project. Ownership of the corporate certificate carries the right to occupy the unit located within the cooperative project. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: Reported under program No. 14.117. * Money to Investors to Purchase or Refinance Multifamily Housing (14.155 Mortgage Insurance for the Purchase or Refinancing of Existing Multifamily Housing Projects (Section 223(f) Insured Under Section 207)) Office of Insured Multifamily Housing Development Policies and Procedures Division U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 Objectives: To provide mortgage insurance to lenders for the purchase or refinancing of existing multifamily housing projects, whether conventionally financed or subject to federally insured mortgages at the time of application for mortgage insurance. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages Insured) (Excludes coinsurance) $894,910,000. * Money to Build Housing for the Elderly That Also Provides Support Services (14.157 Supportive Housing for the Elderly (202)) Housing for the Elderly and Handicapped People Division Office of Elderly and Assisted Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2730 Objectives: To expand the supply of housing with supportive services for the elderly. Types of assistance: project grants. Estimate of annual funds available: (Reservations for Capital Grants, Rental Assistance and Service Coordinators) $166,300,000. * Money to Buy a House With Graduated Mortgage Payments (14.159 Section 245 Graduated Payment Mortgage Program) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To facilitate early home ownership for households that expect their incomes to rise. Program allows homeowners to make smaller monthly payments initially and to increase their size gradually over time. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages Insured - includes 14.172) $414,624,000. * Money to Buy a Trailer and Trailer Lot (14.162 Mortgagelnsurance-CombmationandManufacturedHomeLot Loans (Title 1)) Director, Title I Insurance Division U.S. Department of Housing and Urban Development Room B-133 Washington, DC 20410 202-755-7400 Objectives: To make possible reasonable financing for the purchase of a manufactured home and a lot on which to place the home. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Guaranteed/Insured Loans) Reported under program No, 14.110. * Money to Developers in Financial Trouble (14.164 Operating Assistance for Troubled Multifaroily Housing Projects (Flexible Subsidy Fund) (Troubled Projects)) Director Office of Multifamily Housing Management U.S. Department of Housing and Urban Development Washington, DC 20420 202-708-3730 Objectives: To provide loans to restore or maintain the physical and financial soundness, to assist in the management and to maintain the low to moderate income character of certain projects assisted or approved for assistance under the National Housing Act or under the Housing and Urban Development Act of 1965. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Reservations) $125,000,000 * Money to Buy Houses in Areas Hurt by Defense Cuts (14.165 Mortgage Insurance-Homes-Military Impacted Areas(238(c))) Director Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To help families undertake home ownership in military impacted areas. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages Insured) $16,259,000. * Money for Active Duty Military to Buy Houses (14,166 Mortgage Insurance-Homes for Members of the Aimed Services (Section 222)) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To help members of the armed services on active duty to purchase a home. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages Insured) $1,776,000. * Loans to Developers in Trouble During Their First Two Years of Operation (14.167 Mortgage Insurance-Two Year Operating Loss Loans, Section 223(d) (Two Year Operating Loss Loans)) For program information: Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-755-2556 For management information: Director Office of Multifamily Housing Management U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-3730 Objectives: To insure a separate loan covering operating losses incurred during the first two years following the date of completion of a multifamily project with a HUD-insured first mortgage. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans) $19,100,000. * Money to Buy a Home Using Increased Equity Payments (14.172 Mortgage Insurance-Growing Equity Mortgages (OEMs)) Director, Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To provide a rapid principal reduction and shorter mortgage term by increasing payments over a IO-year period, thereby expanding housing opportunities to the home buying public. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) Reported under program 14.159. * Money to Buy a Home Using an Adjustable Rate Mortgage (14.175 Adjustable Rate Mortgages (ARMS)) Director Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To provide mortgage insurance for an adjustable rate mortgage which offers lenders more assurance of long term profitability than a fixed rate mortgage, while offering consumer protection features. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: Reported under 14.117. * Money for Nonprofits to Build Houses for Lower-Income Families (14.179 Nehemiah Housing Opportunity Grant Program (Nehemiah Housing)) Morris E. Carter, Director Single Family Development Division U.S. Department of Housing and Urban Development 4517th St., SW Washington, DC 20410 202-708-2700 Objectives: To provide an opportunity for those families who otherwise would not be financially able to realize their dream of owning a home, to increase the employment opportunities of the residents in neighborhoods where the housing is proposed and to create sound and attractive neighborhoods. Types of assistance: project grants. Estimate of annual funds available: (Grants) $16,552,000. * Money to Invest in Houses for Those With Disabilities (14.181 Supportive Housing for Persons with Disabilities (811)) Housing for Elderly and Handicapped People Division Office of Elderly and Assisted Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2730 Objectives: To provide for supportive housing and related facilities for persons with disabilities. Types of assistance: project grants. Estimate of annual funds available: (Reservations for Capital Grants and Rental Assistance) $387,000,000. * Rental Supplements for Investors Who Provide Houses to Low Income Families (14.182 Lower Income Housing Assistance Program-Section 8 New Construction/Substantial Rehabilitation (Section 8 Housing Assistance Payments Program for Very Low Income Families-New Construction/ Substantial Rehabilitation)) For management information: Director Office of Multifamily Housing Management U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-3730 Objectives: To aid very low income families in obtaining decent, safe and sanitary rental housing. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Outlays for N/SR units under payment) $4,077,884,000. * Money to Help Elderly Homeowners Convert Their Equity into a Monthly Income (14.183 Home Equity Conversion Mortgages (255)) Director Insured Family Development Division Office of Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 Objectives: To enable elderly homeowners to convert equity in their homes to monthly streams of income or lines of credit. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured): $34,763,000. * Money for Low Income Housing Tenants to Buy Their Building (14.186 Mortgage Insurance-Equity Loans (241(f) Equity Loans)) For program information: Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 For management information: Director Office of Preservation and Property Disposition U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-3555 Objectives: To insure a separate equity loan to owners of eligible low income multifamily properties who wish to extend the low income affordability restrictions or to insure an acquisition loan for select purchasers who will maintain such restrictions. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Loans) $53,630,000. * Grants to Nonprofits Who Lend Money to Low Income Families to Buy Houses (14.240 HOPE for Homeownership of Single Family Homes (Hope 3)) Cliff Taffet Office of Affordable Housing Programs U.S. Department of Housing and Urban Development Room 7168,4517th St., SW Washington, DC 20410 202-708-3226 Objectives: To provide homeownership opportunities to lower income families and individuals by providing grantees with Federal assistance to finance an eligible homebuyer's direct purchase and rehabilitation of eligible single family properties or to fund the grantee's acquisition and rehabilitation of single family properties for sale and occupancy by families at affordable prices. Types of assistance: project grants. Estimate of annual funds available: (Grants) $50,000,000. * Money for Homes That Use New Building Ideas (14.507 Mortgage Insurance-Experimental Homes (ExTech 233-Homes)) Assistant Secretary for Policy Development and Research Division of Innovative Technology U.S. Department of Housing and Urban Development 451 7th St., SW Washington, DC 20410 202-708-4370 Objectives: To help finance the development of homes that incorporate new or untried construction concepts designed to reduce housing costs, raise living standards, and improve neighborhood design by providing mortgage insurance. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: Mortgages are insured and experimental features are guaranteed to the homeowner. No direct funding or subsidies are provided for the project. * Money for Doctor's Offices and Hospitals That Use New Building Ideas (14.508Mortgagelnsurance-Experimental Projects Other Than Housing (ExTech 233-Projects Other Than Housing) Assistant Secretary for Policy Development and Research Division of Innovative Technology U.S. Department of Housing and Urban Development 4517th St., SW Washington, DC 20410 202-708-4370 Objectives: To provide mortgage insurance to help finance the development of group medical facilities that incorporate new or untried construction concepts intended to reduce construction costs, raise living standards and improve neighborhood design. Typesof assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured - reported under program No. 14.509). * Money for Apartment Buildings That Use New Ideas (14.509 Mortgage Insurance-Experimental Rental Housing (ExTech 233 - Experimental Rental Housing)) Assistant Secretary for Policy Development and Research Division of Innovative Technology U.S. Department of Housing and Urban Development 4517th St., SW Washington, DC 20410 202-708-4370 Objectives: To provide mortgage insurance to help finance the development of multifamily housing that incorporates new or untried construction concepts designed to reduce housing costs; raise living standards; and improve neighborhood design. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: Mortgages are insured and experimental features are guaranteed. No funds or subsidies are available. * Rent Supplements to Building Owners With Tenants That Have Low Incomes (14.856 Lower Income Housing Assistance Program-Section 8 Moderate Rehabilitation (Section 8 Housing Assistance Payments Program for Very Low Income Families-Moderate Rehabilitation)) For program information: Office of Assisted Housing Rental Assistance Division U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-7424 Objectives: To aid very low income families and homeless individuals in obtaining decent, safe and sanitary rental housing. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Contract replacements to certificates) $54,000,000. * More Rent Supplements for Building Owners With Tenants That Have Low Incomes (14.857 Section 8 Rental Certificate Program (Section 8 Rental Certificates)) Office of Assisted Housing Rental Assistance Division U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-0477 Objectives: To aid low income families in obtaining decent, safe, and sanitary rental housing. Types of assistance: direct payments for specified use. Estimate of annual funds available: Reported under Program 14.156. * Grants to Organizations Who Help Low Income Families Buy Houses (14.858 HOPE for Public and Indian Housing Homeownership (HOPE for Public and Indian Housing (HOPE 1))) Gary Van Buskirk Homeownership Division for Public and Indian Housing U.S. Department of Housing and Urban Development202-708-4233 Washington, DC 20410 TDD: 202-708-9300 Objectives: To provide homeownership programs for eligible public and Indian housing residents and other low income families through the sale of eligible public and Indian housing. Types of assistance: project grants. Estimate of annual funds available: (Grants) $266,800,000. * Money to Have Your State Buy Your Old Farm and Turn It into a Park (15.916 Outdoor Recreation-Acquisition, Development and Planning (Land and Water Conservation Fund Grants)) Chief Recreation Grants Division National Park Service U.S. Department of the Interior P.O. Box 37127 Washington, DC 20013-7127 202-343-3700 Contact: Sam L. Hall Objectives: To provide financial assistance to the States and their political subdivisions for the preparation of Statewide Comprehensive Outdoor Recreation Plans (SCORPs) and acquisition and development of outdoor recreation areas and facilities for the general public, to meet current and future needs. Types of assistance: project grants. Estimate of annual funds available: (Grants) $24,750,000. * Grants to Build Houses on Indian Reservations (15.141 Indian Housing Assistance) Chief Division of Housing Assistance Office of Tribal Services Room 4640, Main Interior Building Bureau of Indian Affairs 1849 C St., NW Washington, DC 20240 202-208-5427 Objectives: To use the Indian Housing Improvement Program (HIP) and Bureau of Indian Affairs resources to substantially eliminate substandard Indian housing. This effort is combined with the Indian Health Service (Department of Health and Human Services). Types of assistance: project grants (contracts); dissemination of technical information. Estimate of annual funds available: (Total HIP program costs including grant funding, self governance compact funding, salaries, and expenses) $19,083,000. * Money for Veterans Who Want to Buy a House (64.114 Veterans Housing-Guaranteed and Insured Loans (VA Home Loans)) U.S. Department of Veterans Affairs Washington, DC 20420 Objectives: To assist veterans, certain service personnel, and certain unremarried surviving spouses of veterans, in obtaining credit for the purchase, construction or improvement of homes on more liberal terms than are generally available to non-veterans. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Closed Loans Guaranteed) $30,256,320,000. * Loans for Disabled Veterans to Buy a House (64.118 Veterans Housing-Direct Loans for Disabled Veterans) U.S. Department of Veterans Affairs Washington, DC 20420 Objectives: To provide certain severely disabled veterans with direct housing credit in connection with grants for specially adaptive housing with special features or movable facilities made necessary by the nature of their disabilities. Types of assistance: direct loans. Estimate of annual funds available: (Loans) $33,000. * Money for Veterans to Buy Mobile Homes (64.119 Veterans Housing-Manufactured Home Loans) U.S. Department of Veterans Affairs Washington, DC 20420 Objectives: To assist veterans, servicepersons, and certain unremarried surviving spouses of veterans in obtaining credit for the purchase of a manufactured home on more liberal terms than are available to non-veterans. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Guaranteed Loans) $2,557,000. * Loans for Native American Veterans to Buy or Build a Home (64.126 Native American Veteran Direct Loan Program (VA Native American Home Loan Program)) U.S. Department of Veterans Affairs Washington, DC 20420 Objectives: To provide direct loans to certain Native American veterans for the purchase or construction of homes on trust lands. Types of assistance: direct loans. Estimate of annual funds available: (Loans): $11,202,000. * Grants for Storm Windows or to Weatherize Your Home (81.042 Weatherization Assistance for Low Income Persons) Jeanne Van Viandren, Director Weatherization Assistance Programs Division Mail Stop CE-532 Conservation and Renewable Energy U.S. Department of Energy Forrestal Building Washington, DC 20585 202-586-2204 Objectives: To insulate the dwellings of low income persons, particularly the elderly and handicapped low income, in order to conserve needed energy and to aid those persons least able to afford higher utility costs. Types of assistance: formula grants. Estimate of annual funds available: $230,000,000. * Government Subsidized Flood Insurance to Homeowners (83.100 Flood Insurance) James M. Rose Federal Insurance Administration Federal Emergency Management Agency Washington, DC 20472 202-646-2780 Objectives: To enable persons to purchase insurance against losses from physical damage to or loss of buildings and or contents therein caused by floods, mudflow, or flood-related erosion in the United States and to promote wise flood plain management practices in the Nation's flood-prone and mudflow-prone areas. Types of assistance: insurance. Estimate of annual funds available: $808,220,000. * Money For Nonprofits to Provide Rural Housing Site Loans (10.411 Rural Housing Site Loans (Section 523 and 524 Site Loans)) Director Single-Family Housing Processing Division Farmers Home Administration U.S. Department of Agriculture Washington, DC 20250 202-720-1474 Objectives: To assist public or private nonprofit organizations interested in providing sites for housing, to acquire and develop land in rural areas to be subdivided as adequate building sites and sold on a cost development basis to families eligible for low and very low income loans, cooperatives, and broadly based nonprofit rural rental housing applicants. Types of assistance: direct loans. Estimate of annual funds available: (Loans) $616,000. * Money to Fix Up Your Home in the Country (10.433 Rural Housing Preservation Grants) Multiple Family Housing Processing Division Farmers Home Administration U.S. Department of Agriculture Washington, DC 20250 202-720-1606 Objectives: To assist very low and low income rural residents individual homeowners, rental property owners (single/multi-unit) or by providing the consumer cooperative housing projects (co-ops) the necessary assistance to repair or rehabilitate their dwellings. These objectives will be accomplished through the establishment of repair/rehabilitation, projects run by eligible applicants. This program is intended to make use of and leverage any other available housing programs which provide resources to very low and low income rural residents to bring their dwellings up to development standard Types of assistance: project grants. Estimate of annual funds availablie rnranlil 121000 000 * Money for Homes for Low Income Indian Families (14.850 Public and Indian Housing) Assistant Secretary for Public and Indian Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-0950 Objectives: To provide and operate cost-effective, decent, safe and affordable dwellings for lower income families through an authorized local Public Housing Agency (PHA) or Indian Housing Authority (IHA). Types of assistance: direct payments for specified use. Estimate of annual funds available: (Includes obligationsfor 14.851, 14.852, 14.853 and 14.854) $0. Indian Development: $263,000,000. * Loans for Families With Bad Credit Histories (14.140 Mortgage Insurance-Special Credit Risks) For production information: Director Single Family Development Division Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2700 For management information: Director Single Family Servicing Division Secretary-Held and Counseling Services Branch Office of Insured Single Family Housing U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-1672 Objectives: To make homeownership possible for low and moderate income families who cannot meet normal HUD requirements. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: (Mortgages insured) $13,000. * Money to Provide Affordable Rental Housing for Low-Income Families (14.239 HOME Investment Partnerships Program) Gordon McKay, Director Office of Affordable Housing Programs Community Planning and Development U.S. Department of Housing and Urban Development 4517th St., SW Washington, DC 20410 202-708-2685 Objectives: (1) To expand the supply of decent and affordable housing ,particularly rental housing, for low and very low income Americans; (2) To strengthen the abilities of State and local governments to design and implement strategies for achieving adequate supplies of decent, affordable housing; (3) To provide both financial and technical assistance to participating jurisdictions, including the development of model programs for developing affordable low income housing and; (4) To extend and strengthen partnerships among all levels of government and the private sector, including for-profit and nonprofit organizations, in the production and operation of affordable housing. Types of assistance: formula grants. Estimate of annual funds available: (Grants) $1,400,000,000. * Rental Voucher Program for Low Income Indian Families (14.855 Section 8 Rental Voucher Program) Office of Assisted Housing Rental Assistance Division U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-0477 Objectives: To aid very low income families in obtaining decent, safe, and sanitary rental housing. Types of assistance: direct payments for specified use. Estimate of annual funds available' Renorteri under Program 14 177 * Money to Invest in Rental Housing for Lower Income Families (14.856 Lower Income Housing Assistance Program-Section 8 Moderate Rehabilitation) For program information: Office of Assisted Housing Rental Assistance Division U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-7424 Objectives: To aid very low income families in obtaining decent, safe and sanitary rental housing. Types of assistance: direct payments for specified use. Estimate of annual funds available: (Contract replacements to certificates) $54,000,000. * Loans to Investors, Builders, Developers of Affordable Housing (14.189 Qualified Participating Entities QPE Risk Sharing Pilot Program) Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20410 202-708-2556 Objectives: Under this program HUD will provide reinsurance on multifamily housing projects whose loans are originated, under-written, serviced, and disposed of by qualified participating entities (QPEs) and/or its approved lenders, up to 15,00 units through fiscal year 1994. The program is a pilot designed to assess the feasibility of risk-sharing partnerships between HUD and QPEs, including Government Sponsored Enterprises, State and local housing finance agencies, financial institutions and the Federal Housing Finance Board, in providing affordable housing for the nation. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: $640, 000, 000. * Money for Developers, Investors, and Builders of Low Income Housing (14.188 HFA Rick Sharing Pilot Program) Policies and Procedures Division Office of Insured Multifamily Housing Development U.S. Department of Housing and Urban Development Washington, DC 20412 202-708-2556 Objectives: Under this program, HUD will provide full mortgage insurance on multifamily housing projects whose loans are under-written, processed, serviced, and disposed of by HFAs, up to 30,000 units through fiscal year 1995. The program is a pilot designed to assess the feasibility of risk-sharing partnerships between HUD and qualified State and local Housing Finance Agencies (HFA) in providing affordable housing for the nation. Types of assistance: guaranteed/insured loans. Estimate of annual funds available: $539,000,000. Pottstown Mercury Foundation 24 North Hanover Street Pottstown, PA 19464 P/D: Grants to Children of needy and indigent families in Pottstown, PA for overnight camps, toys and food. Write for guidelines. Black Student Crisis Fund Black Student Fund Suite AG 15-19 3636 16th Street, N.W., 4th Floor Washington, DC 20010 (202)387-1414 P/D: To assist black children in the Washington area facing a short-term financial or social crisis that affects their ability to function adequately in school. Black American families residing in Maryland, Virginia, and the District of Columbia who have emergency short-term needs for food, shelter, or medical care are eligible to apply. Funds are awarded to alleviate short-term crisis only. Beulah Cliff Rest 199 Main Street No. 215 (914)949-4530 White Plains, NY 10601-3296 P/D: Vacation grants to needy women, young girls, and female invalids in NY. Recommendation must come from a member of the clergy, member of the foundation=s board, or other responsible person known to the foundation. Interviews required. Contact: Hastings Ross, Secretary Department of Housing and Urban Affairs (HUD) Interest Reduction Payments Office of Multifamily Housing Management Burlington HUD Office P.O. Box 879 (802)951-6290 Burlington, VT 05402 P/D: Direct payments to reduce interest payments for low- and moderate- income persons in rental & cooperative housing. Maine Veterans Financial Assistance Grants Division of Veterans Service State House Station #117 (207)626-4464 Augusta, ME 04333 P/D: To provide temporary financial assistance to veterans or the dependents (spouses or children) of disabled veterans in Maine. Eligible veterans must have served honorably during 1 or more of the following federally recognized periods of conflict: World War 1, World War II, Korean Conflict, or Vietnam War. They must have been disabled due to illness or injury. Application for financial assistance under this program may be made by the eligible veteran or the veteran=s dependents. Selection is based on residency (in Maine) and need. Idaho Veterans Emergency Grant Program Idaho Division of Veterans Services Attn: Office of Veterans Advocacy 550 West 6 Fort, Box 044 (208)334-1245 (800)827-1000 Boise, ID 83724-0044 P/D: To provide emergency assistance to Idaho disabled veterans, wartime veterans, and their families. The limit of $1,000 applies for the lifetime of each veteran or his/her family. Yellow Brick Road Foundation P.O. Box 13691 (510)568-1985 Berkeley, CA 94701 P/D: Financial assistance to children who are court dependents in Alameda County, CA. Applications accepted throughout the year. Completion of formal application required. Application forms supplied to welfare workers of court dependent children. Dept. of Housing and Urban Affairs Interest Reduction Payments Office of Multifamily Housing Mangmt. Boston Regional Office 10 Causeway Street, Ste. 375 Boston, MA 02222 (617)565-5234 P/D: Direct payments to reduce interest payments for low- and moderate - income persons in rental & cooperative housing. New Horizons Foundation c/o Gifford & Dearing 700 S. Flower St., Ste.,6E 1222 Los Angeles, CA 90017-4160 (213)626-4481 P/D: Financial assistance to needy Christian Scientists who are over 65 years of age and are residence of Los Angeles, County, CA. Applications accepted throughout the year. Initial approach by letter or telephone. Interviews required. Contact: G. Grant Gifford, President G. I. V. Benevolent Fund, Inc. P.O. Box 9 (540)223-6300 Bastian, VA 24314 Application Address: P.O. Box 733 (800)521-7468 Wytheville, VA 24382 P/D: Relief assistance to families in southwest VA for food, clothing and shelter. Application by letter. Contact: Maryann Blessing A. F. Mac Pherson Trust (also known as Anonymous Fund) c/o Firstar Bank Madison, N.A. P.O. Box 7900 Madison, WI 53707-7900 Application Address: c/o Atty. Roger Gierhart, Bell, Metzner, Giehart & Moore, S. C. 44 East Mifflin Street P.O. Box 1807 Madison, WI 53701 P/D: Assistance to financially needy Protestants in the U.S. and Canada, with preference shown to residents of Madison, WI. Initial approach by letter. Round Rock Area Serving Ctr. Inc. P.O. Box 1420 (512)244-2431 Round Rock, TX 78680-1420 P/D: Grants to financially needy residents of Round Rock, TX for assistance in paying basic utility bills. Completion of formal application required. Contact: Mary Poole, Director Jamey Harless Foundation, Inc. Drawer D (304)664-3227 Gilbert, WV 25621 P/D: Grants for residents of Gilbert with financial emergencies. Write for guidelines, Formal application required. Contact: Sharon Murphy, Secretary The Ostberg Foundation, Inc. 278 Fountain Road Englewood, NJ 07631 P/D: Financial aid to elderly and ill individuals, regardless of country of residence. Completion of formal application required. The Foundation c/o Chapman Bird & Grey 1990 Bundy Dr., Suite 200 Los Angeles, CA 90025 P/D: Grants for home repairs to low income homeowners in Monmouth County, NJ. Maximum grant is $10,000.00 Applications by letter Milton and Hattie Kutz Foundation 100 West 10th Street, Ste. 301 Wilmington, DE 19801 (302)427-2100 P/D: Grants for residents of Delaware to help pay for child welfare, high education, and living expenses. Write for guidelines. Contact: Bernard L. Siegel, President Farmers Home Administration 451 West Street (413)253-4300 Amherst, MA 01002 P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grant receipients must be at least 62 years old and unable to repay loan. George W. Davenport Charitable Trust c/o Fleet Investment Mgmt. One Monarch Pl. MA SP M21 TRU Springfield, MA 01144 P/D: Provides assistance to needy, elderly women or couples residing in Bernardston, Leyden, or Greenfield, MA. Appl.accept. Contact: Thea Katsounakis Greater Bridgeport Retired Teachers Building Fund c/o Fleet Bank, N.A. 915 Main Street, MSN 252 Hartford, CT 06103 Application Address: c/o Wanda Dick, 17 Channing Road Trumbull, CT 06611 P/D: Grants to retired teachers of the Greater Bridgeport, CT area. Initial approach by letter outlining reason for financial need and including a doctors statement. Contact: Wanda Dick Kentucky Housing Corp. 1231 Louisville Road (502)564-7630 Frankfort, KY 40601 P/D: Grants to rural elderly to install indoor plumbing, and energy repairs. Write for guidelines Blanch Fischer Foundation 1001 SW Fifth Ave., Suite 1550 Portland, OR 97204 (503)323-9111 P/D: Grants for physically disabled residents of Oregon who can demonstrate financial need. Formal application required. Write for guidelines. Contact: William K. Shepherd, President Reade Industrial Fund c/o Harris Trust & Saving Bank P.O. Box 755 (312)461-7482 111 West Monroe Street Chicago, IL 60690 P/D: Grants for individuals who have been or are employed in industries in Illinois and who by reasons beyond their control, such as job loss, illness, injury, etc. cannot care for themselves or their families. Write for guidelines; formal application required. Contact: Ronald F. Tuite, JR. The GRT Foundation, Inc. 1704 Thomasville Road, No. 194 Tallahassee, FL 32303 P/D: Assistance to physically disabled individuals, primarily those who are residents of FL. Application not accepted. Write for guidelines. Joseph & Caroline Gruss Gemilath Chesed Fund 1650 56 Street (718)871-2500 Brooklyn, NY 11204 P/D: Loans to needy individuals. Contact fund for current application deadline and procedures. Grace A. Gossens Testamentary Trust One Sea Gate, 24th Fl. P.O. Box 10032 Toledo, OH 43604 Application Address: c/o Alice J. Servais, Trustee, 416 West Wayne Street (419)893-8603 Maumee, OH 43537 P/D: Relief assistance to elderly women living in rest homes, in the Maumee, OH area. Applications by letter outlining financial need. Contact: Ralph S. Boggs Teresa F. Hughes Trust c/o Hawaiian Trust Co. Ltd. P.O. Box 3170 Honolulu, HI 96802 Application Address: c/o Hawaii Community Foundation 900 Fort Street, Mall, Ste. 1300 Honolulu, HI 96813 (808)566-5570 P/D: Giving to financially needy HI residents who are orphans, half-orphans (neglected or abused). Children born out of wedlock, or indigent or infirmed adults over the age 50. Completion of formal application required. Contact: Karen K. White, Hawaiian Trust. Fort Collins Area Community Found. 215 West Oak Street, Suite 102 Fort Collins, CO 80521 (303)224-3462 P/D: Grants for residents of Larimer and Weld counties who can demonstrate financial need. Write letter and proposal, six copies of proposal required. Contact: Diane M. Hogerty, Exec. Dir. William A. Roberts Trust F/B/O Orphan, Children of Chase City c/o Central Fidelity Bank, Trust Departmt. 828 Main Street Lynchburg, VA 24504 P/D: Grants for orphan children of Chase City who can demonstrate financial need. Write letter describing needs of applicant. Sunnyside Foundation, Inc. 8222 Douglas Ave., No. 501 Dallas, TX 75225-5936 (214)692-5686 P/D: Grants and camperships to under privileged Christian Science children under the age of 20, who regularly attend Christian Science Sunday schools and reside in Texas to provide for their physical moral and spiritual needs. Completion of formal application required, including Sunday school info. & parents financial info. Contact: Joan Mc Clendon, Exec. Dir. Oshkosh Foundation 404 North Main Street P.O. Box 1726 (414) 426-3993 Oshkosh, WI 54902 P/D: Grants for residents of Oshkosh who have financial needs. Contact: Sandra A. Noe, Trust Officer Washington Women in Need 1595 N. W. Gilman Blvd. No. 5 Issaquah, WA 98027 (206)391-4585 P/D: Grants to financially needy women who reside in WA, for health care and emergency services. Completion of formal application required Contact: Coleen Crowley, Exec. Dir. Hill Stump Disaster Charitable Trust c/o First Community Bank P.O. Box 950, Bluefield, WV 24701 Application Address: c/o First Community Bank, Trust Dept. P.O. Box 280 (304) 472-1112 P/D: Emergency aid to residents of Upshur County, WV who have suffered loss due to a natural disaster such as fire, flood, or storm. Applications accepted throughout the year. Completion of formal application required. A.L. Johnson Charitable Trust c/o First Fidelity Bank, N.A. PA Broad & Walnut Streets Philadelphia, PA 19109 P/D: Financial assistance to the deserving poor of Bristol Borough, Bristol, PA. In the past, the Trust has provided the following types of assistance: clothes, rent, food and utilities. Application by letter including a complete detailed history of problems. Contact: Fay Potter, V.P. First Fidelity BK. Walter G. Ross Foundation c/o ASB Capital Management Inc. 1101 Pennsylvania Ave. NW, 3rd floor Washington, DC 20004 P/D: Grants to support family services and child welfare and development for the disadvantaged in the Washington, DC area. Application form not required, send letter and one proposal. Contact: Scott Amling Farmers Home Administration 210 Walnut St. Rm. 873 (515)284-4663 Des Moines, IA 50309 P/D: Grants to assist very low & low income rural homeowners to repair or re-habilitate their housing. Farmers ome Administration (FMHA) P.O. Box 2778 (501)324-6281 Little Rock, AR 72203 P/D: Grants to help very low income homeowners in rural areas repair or improve their dwellings. Grant Recipients must be at least 62 years old and unable to repay loan. Thomas Taylor Poor Fund c/o Midlantic Bank N.A. Metro Park Plaza Edison, NJ 08818 Application Address: c/o Walter W. Henkel, V.P. Continental Bank, Main & Swede Streets Norristown, PA 19404 P/D: Assistance to the most worthy and deserving of the borough of Pottstown, PA. All requests for assistance must come through a social agency or church. Write for guidelines. Portland Seamen=s Friend Society 14 Lewis Street Westbrook, ME 04092 P/D: Financial assistance in the form of a small monthly stipend to indigent seamen who reside in the state of Maine. Application by letter outlining financial need and including references. Interviews required. Contact: Lewis G. Emery, Treas. Haugse Cossey Foundation P.O. Box 2833 Boise, ID 83700 Application Address: P.O. Box 828 (208) 343-7514 Boise, ID 83701 P/D: Grants for needy individuals. Call or write for guidelines and program information. Limited to Boise, ID. Area. Contact: William A. Hon, Trustee Battered Women=s Assistance P.O. Box 1119 (408) 426-2111 Santa Cruz, CA 95061 P/D: Financial assistance and volunteer guidance to battered women and children in Santa Cruz County, CA. Completion of formal application required. Contact: Marsha B. Shanle, Secy. Treas. Newburyport Howard Benenolent Soc. P.O. Box Nine (508) 465-9147 Newburyport, MA 01950 P/D: Financial assistance to low-income families in Newburyport, MA. Call for guidelines. Larrabee Fund Association c/o Fleet National Bank 65 La Salle Road (860)728-2664 West Hartford, CT 06107 P/D: Relief assistance to indigent women in the Hartford, CT area only. Apply at any church in the Hartford, CT area. Contact: Kathy Mc Lanahan, Trust Officer Farmers Home Administration Federal Bldg. 517 Gold Ave., SW Rm.3414 (505)766-2462 Albuquerque, NM 87102 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. P. H. P., Inc. P.O. Box 319 Hopkinsville, KY 42240 P/D: Medical expenses and household utility payments to financially needy individuals. Contact foundation for current application guidelines. Contact: William P. Munday, President Scottish Rite Oregon Consistory Almoner Fund, Inc. 709 S. W. 15th Ave., (503) 228-9405 Portland, OR 97205 P/D: Relief Assistance to distressed Masons and their widows and orphans living in the state of OR. Applications by letter indicating reason for request. Contact: Walter L. Peters, Exec. Dir. Gore Family Memorial Foundation c/o Sun Trust Bank, Central Florida, N.A. 501 E. Las Olas Blvd. Fort Lauderdale, FL 33301 P/D: Relief assistance to financially needy and physically disabled residents of Broward County, FL. Grants are awarded to assist individuals with medical expenses, equipment for the physically disabled, and housing and transportation costs. Initial approach by letter. Townsend Aid for the Aged 8 Eadie Street Newport, RI 02840 P/D: Grants for older residents of Newport who can demonstrate financial need. An advisory committee initiates the application process. Write for details. Contact: Helen S. Tennant, President Virginia Gay Fund c/o National City Bank, Columbus 155 East Broad Street Columbus, OH 43251 Application Address: 750 Brooksedge Blvd., Suite 104 Westerville, OH 43081 P/D: Relief assistance to retired, elderly female schoolteachers in OH. Completion of formal application required including financial statement and three references. Write for guidelines. Farmers Home Administration P.O. Box 850 (406)585-2580 Bozeman, MT 59771 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. The Hawaii Community Foundation 900 Fort Street Mall, Suite 1300 Honolulu, HI 96813 (808)537-6333 P/D: Assistance for residents of Hawaii who can demonstrate financial need. (Winnifred D. Robertson Fund - one time assistance to adult residents of Oahu, Alice M. G. Soper Fund - one time assistance to adults 50 or older with illness or disability) Call first, formal application required. Contact: Jane Renfro Smith, C.E.O. & Prs. Colorado Masons Benevolent Fund Assc. 7955 Arapahoe Court, Suite 1200 Englewood, CO (303)837-0367 P/D: Grants for Colorado Masonic lodge members and their families who are in financial distress. Write or call local members= lodge. Contact: Local Lodge in Colorado Farmers Home Administration P.O. Box 830 (307)261-5271 Casper, WY 82602 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. Trolinger Trust c/o Crestar Bank, N.A. P.O. Box 27385, Trust-HDQ 5905 Richmond, VA 23261-7385 Application Address: P.O. Box 3064, First St. Station Radford, VA 24141 P/D: Financial assistance to residents of Montgomery Cty., and Radford, VA and other southwestern VA counties and cities. Initial Approach by letter. Contact: John I. Barton, Chair. Wisconsin Easter Star Foundation, Inc. 5829 West Wisconsin Avenue Wauwatosa, WI 53213 Application Address: c/o M. J. Kimber, W336 Golden Park Cir. Oconomowoc, WI 53066 P/D: Relief assistance to members of Eastern Star chapters in WI. Completion of formal application required. Charles Meyer Trust c/o U.S. National Bank P.O. Box 179 Galveston, TX 77553 Application Address: c/o Rabbi, Temple B=nal Isreal 3008 Avenue O Galveston, TX 77550 P/D: Grants to underprivileged Jewish residents of Galveston, TX. Application by letter outlining financial need and indicating Jewish faith and residence. The Eaton Fund, Inc. c/o Mercantile-Safe Deposit & Trust Co. Two Hopkins Plaza (410)237-5552 Baltimore, MD 21201 P/D: Grants for female residents of Baltimore who are 60 or older and can demonstrate financial need. Write for guidelines. Contact: Donna Davis Harriet Mc Daniel Marshall Trust in Memory of Sanders Mc Daniel c/o Trust Co. Bank P.O. Box 4418 (404) 588-8246 Atlanta, GA 30302 P/D: Grants for organizations of Metropolitan Atlanta for assisting the disadvantaged. Formal application required. Send letter and one proposal. Contact: William R. Bowdion, Secretary Carrie Welch Trust P.O. Box 244 Walla Walla, WA 99362 P/D: Grants for residents of Washington State, particularly the elderly in Walla Walla County, who can demonstrate financial need. Write for guidelines. Contact: George Conkey Nehemiah Housing Oppt. Grant Prog. Single Family Housing Development Div. Salt Lake City HUD Office 257 Tower Bldg., 257 E. 200 South Salt Lake City, UT 84111 (801)524-5379 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. Tom C. Smith Charitable Trust P.O. Box 1216 (304)523-3424 Huntington, WV 25714-1216 P/D: Emergency aid and assistance to financially needy residents of Chesapeake, OH and Huntington, WV. Initial approach by letter or telephone. Contact: Don Carrohan, Principal Mgr. Farmers Home Administration 634 South Bailey, Ste. 103 Palmer, AK 99645 (907)745-2176 P/D: Grants to help very low income homeowners in rural areas repair or improve their housing. Grants recipients must be at least 62 years old and unable to repay a loan. William A. Morse Fund c/o The Stratevest Group, N.A. P.O. Box 812, 215 Main Street Brattleboro, VT 05302 Application Address: c/o Dora Powers, RR2 Box 239-D West Brattleboro, VT 05301 or Frederick Jenness, Box 14 Newfane, VT 05351 P/D: Grants are given to help pay for medical treatment and prescriptions, dental expenses, childcare, summer camp, and educational expenses. Write for guidelines. French Benevolent Society of PA c/o First Fidelity Bank, N.A. PA Broad and Walnut Streets Philadelphia, PA 19109 Application Address: 1301 Medical Arts Bldg., 1601 Walnut St. Philadelphia, PA 19102 (215)563-3276 P/D: Aid to persons of French extraction reduced to want by misfortune, age or illnesses. Preference is given in the following order: persons of French birth, of French born parents, of French extraction. Limited to residents of the Philadelphia, PA metropolitan area. Completion of formal application required. Herman and Hazel Owen Foundation P.O. Box 1366 (601) 328-2316 Columbus, MS 39703 P/D: Welfare assistance to indigent residents of Lowndes County, MS and to individuals residing within 50 miles of Columbus, MS. Contact: Marjorie Bowden Nehemiah Housing Oppt. Grant Prog. Single Family Housing Devel. Division Washington, DC HUD Office 820 First St., NE (202) 275-9200 Washington, DC 20002 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. John T. Hollingsworth c/o Hemlock Friends Church P.O. Box 117 Hemlock, IN 46937 P/D: Financial assistance to needy individuals residing in Hemlock and Kokomo, IN. Write for guidelines. Brockway Foundation for the Needy of the Village and Township of Homer, NY c/o Key Bank 25 S. Main St., Homer, NY 13077-1314 Application Address: c/o Jean Alexander 112 S. Main St., Homer, NY 13077 P/D: Financial assistance only to needy residents of the Homer, NY area. Applications by letter. Contact: M. Lee Swartwout Several Sources Foundation, Inc. 300 Airmount Avenue Ramsey, NJ 07446-1289 P/D: Shelter, food, and clothing the New York City metropolitan area for mothers, and their babies, and for poor inner-city children who are at risk or afflicted with AIDS. Also provides guidance and assistance to young women in obtaining the various items of public assistance that are available. Write for guidelines. Anita Card Montgomery Foundation 20 Mechanic Street Camden, ME 04843-1707 P/D: Grants for residents of Camden, Rockport, Linconville, and Hope with financial needs. Write for guidelines, formal application required. Contact: Julia L. Libby, President Margaret W. Reed Foundation P.O. Box A (208) 664-2161 Coeur d=Alene, ID 83814 P/D: Grants for charitable giving primarily in the northwestern United States, with emphasis on Idaho and Washington. Write letter. Contact: Scott W. Reed, Trustee All Culture Friendship Center Refugee and Immigration Services 5250 Santa Monica Blvd. (213)667-0489 Los Angeles, CA 90029 P/D: Grants for immigrants and refugees who are residents of California, to help pay general living expenses, and social services. Write or call for guidelines. Security Benefit Life Insurance Co. Charitable Trust 700 SW Harrison Street (913)295-3000 Topeka, KS 66636 P/D: Grants and employee matching funds for women, youth, disadvantaged, and homeless who are residents of Topeka. Write letter. Contact: Howard R. Fricke Nehemiah Housing Oppt. Grant Program. New San Juan Office Bldg. 159 Carlos Chardon Ave., San Juan, PR 00918 (809) 498-5201 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. Farmers Home Administration 1390 S. Curry St. (702) 887-1222 Carson City, NV 89703 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. Massachusetts Charitable Fire Society c/o M. Forbes & Co. 79 Milk Street Boston, MA 02109 P/D: Giving limited to the Boston, MA area for individuals who have suffered the tragedy of fire loss and require assistance in replacing necessities. Application should include a description of the event giving rise to the need and the specific items for which relief is requested. Contact: Julian Crocker Horace C. Hurlbutt Memorial Fund c/o Westport Bank & Trust Co. P.O. Box 5177 Westport, CT 06881 P/D: Grants to financially needy individuals of Westport, CT. Previous grants have been given for attendance at an after-school program, medical expenses, and rent assistance. Nehemiah Housing Opportunity Grant Program Single Family Housing Dev. Div Albuquerque HUD Office 625 Truman Street NE (505)262-6463 Albuquerque, NM 87110 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. The Sidney W. Eline, Sr. Memorial Foundation, Inc. 4629 Beaver Road (502)896-0524 Louisville, KY 40207 P/D: Financial assistance primarily to residents of Louisville, KY. Assistance is given for food, rent and other living expenses. Application by letter. Contact: Sidney W. Eline, Jr. President Friendly Hills Foundation, Inc. 17602 S W Richmond Way Beaverton, OR 97006 Application Address: c/o Dr. Richard N. Ozemghar, V.P. 7501 Palm Avenue Sp. 177 Yucca Valley, CA 92284 P/D: Assistance to financially needy Christian Scientists living in the Southern CA area. Application by letter. Contact: Harold Faunt, Treas. Nehemiah Housing Oppt. Grant Prog. Single Family Housing Development Division Omaha HUD Office. 10909 Mill Valley Road Omaha, NE 68154 (402)492-3101 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. Swiss Benevolent Society of Chicago 6440 North Bosworth Avenue Chicago, IL 60625 P/D: Relief assistance to financially needy or elderly Chicago area residents of Swiss descent or nationality. Phone for guidelines Alfred I. Du Pont Foundation P.O. Box 1380 (904)396-6600 Jacksonville, FL 32201 P/D: Grants awarded to the needy elderly whose other sources of income are inadequate. The majority of those receiving grants are experiencing extreme hardship and require health, economic or education assistance. Initial approach by letter. Completion of formal application required. Contact: Rosemary C. Willis Robert B. Cranston - Theophilus T. Pitman Fund 55 Memorial Blvd. (401)847-0217 Newport, RI 02840 P/D: Grants for older residents of Newport County who have financial needs, and other living expenses. Formal application required. Contact: V. AZ. Harvey, Trustee Hugh A. Fraser Fund c/o Huntington Trust Co. N.A. P.O. Box 1558, HC 1012 Columbus, OH 43216 Application Address: c/o Richard L. Stephenson New Philadelphia Lions Club New Philadelphia, OH 44663 P/D: Grants to financially needy children who are residents of Tuscarawas County, OH. Grants are given for speech therapy, medicine, hospital costs, shoes, summer camp, and other expenses. Nehemiah Housing Opportunity Grant Program Single Family Housing Development Division Helena HUD Office, Federal Office Bldg. 301 S. Park, Rm 340, Drawer 10095 Helena, MT 59626 (406) 449-5205 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. The George E. Isaacs Foundation P.O. Box 879 (808) 889-6102 Kapaau, HI 96755 P/D: Grants for elderly individuals in Hawaii to help with payments for general costs, boarding home or day care costs, rent, transportation, drug bills, etc. Call or write for guidelines and program information. Formal application required. Contact: George E. Isaacs, President Sheftal and Miriam Foundation P.O. Box 5850 (303)295-2323 Denver, CO 80217 P/D: Financial assistance to indigent persons living in CO, NY, NJ, MD and Israel. Contact foundation for current application guidelines. Contact: Sheldon K. Beren, President Lorraine Mulberger Foundation, Inc. c/o Burch & Cracciolo 702 East Osborn (602) 274-7611 Phoenix, AZ 85014 P/D: Residents of AZ who can demonstrate financial need. Contact: Andrew Abraham. Precious Moments Foundation P.O. Box 802 Carthage, MO 64836 P/D: Grants to financially needy U.S. citizens for general welfare support. Some grants are made to foreign individuals, especially residents of the Phillipines. Completion of formal application required. B.F. and Rose H. Perkins Foundation P.O. Box 1064 (307) 674-8871 Sheridan, WY 82801 P/D: Financial assistance to individuals who are from 2 to 20 years of age and have been residents of Sheridan County, WY for the last two consecutive years. Completion of formal application required. Application forms available from the above address. Contact: Donna B. Rawlings, Mgr. St. Paul=s Church Home c/o Hunton & Williams, Riverfront Plaza, East Tower, (804) 788-8408 951 East Byrd Street Richmond, VA 23219-4074 Application Address; c/o Elizabeth Moreau, VP 1314 Loch Lomont Lane Richmond, VA 23221 (804)358-6153 P/D: Grants to minors (under age 18) in the Richmond, VA metropolitan area for care, maintenance and education. Grants for care, maintenance and medical and hospital expenses to any destitute sick person in Richmond, VA without regard to age. Initial approach by letter outlining financial need. Completion of formal application required, including financial statement and three references. Contact; Mark S. Dray, Esq. Secy. The Arch L. Ferguson Foundation, Inc. 601 East Abram Street P.O. Box 1839 Arlington, TX 76010 P/D: Grants to financially needy Protestants primarily in Arlington, TX. Aid is also given to ministers and retired ministers. Write for guidelines. Society for the Relief of Families of Deceased and Disabled Members of the Medical Profession of the State of S.C. 19 Guerard Road Charleston, SC 28407 P/D: Grants for families of deceased or disabled doctors in SC. Families do not have to be residents of SC. Committee selects applicants. Contact: Ray Investor, MD Gilmore Foundation c/o Old Kent Bank 300 Old Kent Bank Bldg. Grand Rapids, MI 49503 P/D: Financial assistance to extremely low-income residents of the Kalamazoo, MI area who are unable to care for themselves due to physical limitations or advanced age. Complete of formal application required. Theodore and Catherine Schulte Found. c/o Bank One Wisconsin Trust Co., N.A. P.O. Box 1308 Milwaukee, WI 53201 Application Address: Dan Oderkirk P.O. Box 221 (414) 633-8201 Racine, WI 53408 P/D: Housing allowances for retired Catholic priests from Racine, WI. Initial approach by letter. Fleisher-Jacobson International Children=s Education Foundation, Inc. P.O. Box 5658 Baltimore, MD 21210 P/D: Programs operated by the Foundation to provide financially needy school children with tuition, books, and related expenses, academic tutoring, transportation to school and tutoring, clothing and living expenses. Write for application. Contact: Katherine Jacobson Pine Mountain Benevolent Foundation 630 Hopewell Church Road Pine Mountain, GA 31822 P/D: Grants for residents of Georgia who can demonstrate financial need. Write for guidelines. Contact: Cason J. Callaway, Jr. Whatcom Foundation, Inc. Bellingham National Bank Bldg. Rm 423 (360)733-9511 Bellingham, WA 98225 P/D: Grants to financially needy individuals who have lived in Whatcom County, WA for two years, for rent, food, utilities, medical care, and clothing. Completion of formal application required, Interview required. Call for guidelines. Contact: Linda Lee Copley Fund P.O. Box 696 Morrisville, VT 05661 P/D: Grants for older residents of Lamoille County, for housing expenses. Write for guidelines. Contact: Richard Sargent, Trust. Farmers Home Administration (FMHA) Federal Building (801)524-4063 125 S. State Street, Room 5438 Salt Lake City, UT 84138 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. Human Aid Society of Iowa 317 Sixth Street, Suite 400 Des Moines, IA 50309 P/D: Grants for individuals with financial needs or who need food, clothing and other material goods. Write for guidelines, include information on applicant=s need and situation. Contact: Joseph S. Brick, President The Roy Chambers Foundation 1358 National Road (304)242-8410 Wheeling, WV 26003 P/D: Grants to needy children of Ohio County WV for general welfare, including eye care, clothing, school supplies and sports camp. Completion of formal application required. Contact: Linda M. Borda, Trustee The Quarter Century Fund c/o International Paper Co. 6400 Poplar Ave., Tax Dept. Memphis, TN 38197-0001 P/D: Grants are given upon recommendation from clergy, relatives, or others who have knowledge of the individuals plight. Contact: John J. Dillon, Secy. Nehemiah Housing Opportunity Grant Program Sioux Falls HUD Office 2400 W. 49th Street, Ste. 1-201 Sioux Falls, SD 57105 (605)330-4223 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. Charles and Betty Degenstein Found. c/o First National Trust Bank 400 Market Street Sunbury, PA 17801 P/D: Emergency assistance to residents of Snyder, Union and Northumberland Counties, PA. Completion of formal application required. Mary R. Martin Trust 1 Union Street, P.O. Box 545 Wolfeboro, NH 03894-0273 (603)569-3484 P/D: Aid to financially, needy residents of Wolfeboro, NH. Completion of formal application required. Contact: Philip J. Ganem, Trustee D.W. Mc Millan Foundation 329 Belleville Avenue (334)867-4881 Brewton, AL 36426 P/D: Grants for organizations and residents of Escambia County, to help pay for general living expenses. Write for Guideline. Contact: Ed Leigh McMillan II Managing Trustee Farmers Home Administration Federal Building (517)337-6635 100 West Capitol, Ste. 200 East Lansing, MI 48823 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. Buckly Charity Fund of Federal Lodge No. 1 1212 Wisconsin Avenue, NW Washington, DC 20007 Application Address: 7015 Leesville Road Springfield, VA 22151 P/D: Grants for widows, and orphans of deceased former members of Federal Masonic Lodge No. 1. Write letter to Trustees showing financial needs upon death of husband. Contact: Willard E. Griffing VFW Charitable Trust 422 East Brandon Drive Bismarck, ND 58501 P/D: Medical assistance to veterans from ND. Application by letter outlining financial need. Contact; Richard Grenz, Secretary Cora Lembre Trust c/o First National Bank Trust Dept. P.O. Box 2147 Valparaiso, IN 46384 P/D: Financial assistance to elderly women who are residents of Porter County, IN. Application by letter stating need and financial situation. The Bagby Foundation for the Musical Arts, Inc. 501 Fifth Ave., Suite 1401 New York, NY 10017 P/D: Grants for pensions and emergency aid to aged needy individuals who have aided the world of music. Applications in writing, explaining why assistance is required. Contact: Eleanor C. Mark, Exec. Dir. Pruden Foundation c/o United Counties Trust Company 30 Maple Street (201) 522-5410 Summit, NJ 07901-9512 P/D: Grants to alleviate suffering and promote the welfare of blind persons in Elizabeth, NJ. Application by letter giving particulars and physicians certificate regarding blindness. Contact: Janet Poland, V.P. & Trust Offc. Bangor Fuel Society P.O. Box 39 Brooksville, ME 04317 Application Address: c/o Dorothy M. Jones 146 West Broadway Banfor, ME 04401 (207)945-0749 P/D: Deliveries of fuel to low income residents of Bangor, ME. Applications accepted by telephone. Contact: Franklin W. Eaton, Secy-Treas. A.P. and Louise Rouch Boys Foundation c/o First Security Bank of Idaho, N.A. P.O. Box 7 (208) 736-1207 Twin Falls, ID 83303-0007 P/D: Relief assistance to financially needy children in the Twin Falls, ID area. Assistance is given for clothing, medical care, and summer camp fees. Phone for guidelines. Rivendell Stewards= Trust P.O. Box 3037 Santa Barbara, CA 93130 P/D: Grants to financially needy individuals who work with the Christian Church. Completion of formal application required, including financial statement. Holland Lodge Foundation, Inc. 71 W. 23rd Street (212)675-0323 New York, NY 10010 P/D: Relief grants for the elderly and the young primarily in New York, NY. Appl. by letter outlining financial need and reason for assistance. Sidwell Charitable Trust 119 East Ninth Street, P.O. Box 754 Winfield, KS 67156 (316)221-4600 P/D: Grants to financially needy individuals over the age of 60 who reside in Winfield, KS. Completion of formal application required, including personal statement. Contact: Kay Roberts Light, Dir Farmers Home Administration G.P.O. Box 6106G (809)766-5095 Hato Rey, PR 00918 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. Borkee-Hagley Foundation, Inc. P.O. Box 4580 (302)652-8616 P/D: Grants for elderly and for individuals who are residents of Delaware, to help pay for housing expenses. Write letter, formal application required. Contact: Henry H. Silliman, Jr. President Nehemiah Housing Oppt. Grant Prog. Single Family Housing Development Div. Reno HUD Office P.O. Box 30050 (702) 784-5356 Reno, NV 89502 Application Address: Las Vegas HUD Office 1500 East Tropicana Avenue, Suite 205 Las Vegas, NV 89119 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. Broadcasters Foundation, Inc. 296 Old Church Road Greenwich, CT 06830 P/D: Financial assistance to needy members of the broadcast industry. Grants are paid directly to the individual for his or her general welfare. The foundation does not pay any bill directly. Completion of formal application required. New Mexico State Housing Authority 1100 St. Francis Dr. (505) 827-0258 Santa Fe, NM 87503 P/D: Rehabilitation grants for low income elderly, handicapped, and disabled home owners. Write for guidelines. Fred (B.A.) Batterton Fund c/o Kentucky Bank P.O. Box 157 (606) 987-3640 Paris, KY 40362 P/D: Grants to residents of Bourbon Cty., KY for medical expenses. Applications. accepted.. Louis G. and Elizabeth L. Clarke Endowment Fund c/o Scottish Rite Temple 709 S.W. 15th Avenue (503)228-9405 Portland, OR 97205 P/D: Medical expenses, assistance to financially needy Masons and their wives, widows, and daughters requiring hospitalization in any hospital in the Portland, OR metropolitan area. (Multnomah, Clackamas, and Washington counties) Recipients must be residents of OR. Contact foundation for current application guidelines. Farmers Home Administration Federal Building (402) 437-5551 100 Centennial Mall, Rm.308 Lincoln, NE 68508 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. Reginald Coeli Foundation, Inc. 739 North Lake St. Mundelein, IL 60060 P/D: Financial assistance to disadvantaged individuals residing in the Chicago, IL area. In the past grants have been given for medical assistance, hardship assistance, and special counseling. Application by letter outlining financial need. Contact: Rev. John R. Hoffman, President C.S.I. Foundation, Inc. 515 E. Lasolas Blvd., Ste. 1600 Fort Lauderdale, FL 33301-2268 P/D: Medical expenses, insurance premiums and provision of legal services to indigent victims of AIDS in FL whose carriers wrongly refuse to pay claims. Initial approach by mail. Contact: William M. Reiter, M.D. Pres. Providence Female Charitable Society 87 Don Avenue (401) 434-8555 Rumford, RI 02916 P/D: Assistance to financially needy women who are residents of RI. Types of assistance include the purchase of clothing, furniture, dentures, and hearing aids, and the costs of home repairs and nursing home aids. Initial approach by telephone or letter outlining financial need. Contact: Mrs. Charles E. Gross, Tres Columbus Female Benevolent Society 1234 E. Broad Street Columbus, OH 43205 Application Address: c/o Mrs. J. Richard Briggs, Treas. 228 South Drexel Avenue Columbus, OH 43209 P/D: Direct aid on a regular, special, or temporary basis to pensioned widows who are residents of Franklin County, OH. All recipients are referred by local people who are familiar with their circumstances. God=s Love Inc. 533 North Main Streeet (506)442-7000 Helena, MT 59601 P/D: Welfare assistance primarily to indigent individuals and families residing in Helena, MT for lodging, food, hygiene, clothing, and other expenses. Applications accepted throughout the year. Application by letter or telephone outlining financial need. Contact: Ann E. Miller, Director Hawaii Community Foundation 900 Fort St. Mall, Suite 1300 Honolulu, HI 96813 (808)556-5570 P/D: Assistance to individuals in need living in Hawaii. Initial approach by telephone; completion of formal application required. The Foundation administers the following six funds for residents of Hawaii in need: 1. May Templeton Hopper Fund: Provides assistance to HI=s aged men and women in order to help them maintain independence and dignity. 2. Abraham & Annie Lau Children=s Fund: Provides support to needy children in Hawaii. 3. James & Winifred D. Robertson Fund Provides assistance for the comfort and relief of needy individuals on Oahu. 4. Irving L. Sing Fund: Provides assistance to needy and poor people of Hawaiian descent. 5. Alice M. G. Soper Fund: Provides assistance to defray all reasonable expenses of the aged who are sick, infirmed, or helpless and without adequate means. 6. Kitaro Watanable Fund: Provides assistance to needy children in Hawaii, particularly those who are sick or in life threatening situations. Contact: Jane Renfro Smith, President Fax No: (808) 521-6286 Effie H. and Edward H. Curtis Trust Fd c/o Norwest Bank Fort Collins, N.A. 1740 Broadway, No. 8681 Denver, CO 80274 (970)490-6240 Application Address: c/o Jean-DeGrave, Norwest Bank Fort Collins, N.A. 401 South College Fort Collins, CO 80522 P/D: Grants to permanent residents of Larimer County, CO who are under 18 years of age and in need of emergency medical and dental assistance. Completion of formal application required, including itemized bills and estimated of pre-approvals from the attending physician, and a copy of applicant=s latest tax return. Hanna R. Kristianson Trust P.O. Box 1011 Albert Lea, MN 56007 Application Address: Clarks Grove, MN 56016 (507)256-4415 P/D: Grants for residents of Freeborn County over 50 who can demonstrate financial need. Write for guidelines. Contact: Richard S. Haug, Trustee Lyon Foundation, Inc. P.O. Box 5308 (501)376-2116 Little Rock , AR 72119 P/D: Grants for residents of Arkansas who can demonstrate financial need. Letter and proposal, include background information. Contact: Paul E. Moore Ian Calkins Board c/o Boatmen=s First National Bank of Kansas City, 14 West 10th Street P.O. Box 419119 Kansas City, MO 64141-6119 P/D: Welfare assistance to financially needy elderly residents of Kansas City, MO. Write for guidelines. Contact: David P. Ross Sr. V.P. Nehemiah Housing Oppt. Grant Program. Single Family Housing Dev. Division Casper HUD Office P.O. Box 120 (307) 261-5252 Casper, WY 82602 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. Della Lucille Hazelton Charitable Trust c/o First Interstate Bank of Arizona, N.A. P.O. Box 53436, Phoenix, AZ 85072-3436 P/D: Financial assistance to Native Americans who are residents of AZ & MT. Agnes C. Robinson Trust c/o Crestar Bank, N.A., Trust Tax Svcs., P.O. Box 27385 (202) 879-6339 Richmond, VA 23261-7385 Application Address: c/o Lori Anne Caumeil, Crestar Bank, NA 1445 New York Ave., N.W. Washington, DC 20005 (202)879-6339 P/D: Financial assistance to the needy in the metropolitan Washington, DC area, including MD and VA, Application by letter outlining financial need. The Forbes Kirkside Foundation, Inc. Five Adams Street, (508) 366-0511 Westboro, MA 01581 P/D: Personal aid grants to residents and former residents of Westboro, MA. Applications by proposal. Contact: Scott Sargent, Treas. Graham Memorial Fund P.O. Box 533 (803) 479-6824 Bennettsville, SC 19512 Application Address: 308 West Main Street Bennettsville, SC 19512 P/D: Grants for needy residents of Bennettsville. Formal application required. Contact: Chairperson The Barstow Foundation c/o Chemical Bank 333 East Main Street, (517) 631-9200 Midland, MI 48640 P/D: Grants for organizations in Michigan, primarily for the disadvantaged of the community. Application form not required, send two copies of proposal. Contact: Bruce M. Groom, Senior VP Chemical Bank Edward Rutledge Charity 404 North Bridge Street Chippewa Falls, WI 54729 Application Address: c/o Gerald J. Naiberg, President P.O. Box 758 (715) 723-6618 P/D: Charitable gifts to worthy needy residents of Chippewa County, WI. Completion of formal application required, Interviews required. Anna Emory Warfield Memorial Fund c/o 1210 Mercantile Bank & Trust Bldg. Two Hopkins Plaza, (410) 547-0612 P/D: Relief assistance to aged and dependent women in the Baltimore, MD area. Initial approach by letter. Appl. & interview required. Cont: Thelma O=Neal. Savannah Widows= Society P.O. Box 30156 (912) 232-6312 Savannah, GA 31410-0156 P/D: Grants primarily to single women, 55 or older, residing in Chatham County, GA. Also aid to seriously disabled or handicapped persons residing in Chatham County, GA, whose income from other sources is insufficient to provide their care in a reasonably comfortable manner. Contact foundation for current application deadline; completion of formal application required. Contact: Barbara Wall, President W. L. Pegram Evangelistic Association 14709 East 17th Avenue Spokane, WA 99037 P/D: Grants to retired ministers and small grants to individuals for emergency assistance to cover living expenses. Application accepted. Utah Housing Finance Agency 177 E. 100 South (801) 521-6950 Salt Lake City, UT 84111 P/D: Money to first-time home buyers in targeted areas with required down payment. A. J. Magnus Home c/o Taylor, Rees & Co., P.C. 500 Cedar Street Muscatine, IA 52761 P/D: Room and Board in a group home for men over the age of 65 in the city and county of Muscatine, IA. Completion of formal application required, including a physician=s assessment of applicant=s physical and mental condition. Write for guidelines. Alaska Property Tax Equivalency Division of Veterans Affairs P.O. Box 5800 (907) 428-6016 Ft. Richardson, AK 99505-5800 Fax: (907) 428-6019 P/D: To provide disabled veterans in Alaska an equivalency payment if they rent their primary residence. Eligible for this exemption are disabled veterans in Alaska whose disability was incurred or aggravated in the line of duty and whose disability has been rated as 50 percent or more by the military service of the U.S. Department of Veterans Affairs. Qualified veterans are those who rent their primary residence. Mary F. Battle Memorial Education Fd. c/o Huntington National Bank, WV P.O. Box 2490 (304) 623-7260 Clarksburg, WV 26302-2490 P/D: Financial assistance to underprivileged children of Taylor County, WV. Types of assistance given include clothing, tutoring, school supplies are field trip fees. Application by referral only. Completion of formal referral required. The Lazarus Foundation, Inc. 501 Fifth Street Bristol, TN 37620 P/D: Grants by referral only to financially needy individuals, primarily in TN, NC, and VA. Provides grants to individuals to help cover the costs of general needs, such as rent and car repairs. Contact: John M. Gregory, President Warner Home for Little Wanderers Four Forest Hill Drive St. Albans, VT 05478 P/D: Financial assistance to needy residents, age 21 and under, from Franklin County, VT to help defray costs of summer camp, musical instrument rental, purchase and lessons, art lessons, equipment, and other extracurricular activities. Contact Foundation for current application deadline and procedures. Contact: Donna Roby, Treas. Farmers Home Administration Huron Federal Building 200 Fourth St. SW, Rm. 308 Huron, SD 57350 (605) 353-1430 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. Mary L. C. Biddle Foundation c/o PCN Bank, NA 1632 Chestnut Street Philadelphia, PA 19103 P/D: Financial assistance to women in the Philadelphia, PA area. Grants are usually paid in monthly installments. Applications by letter accepted. Mary R. Martin Trust 1 Union Street, P.O. Box 545 Wolfeboro, NH 03894-0273 (603) 569-3484 P/D: Aid to financially, needy residents of Wolfeboro, NH. Completion of formal application required. Contact: Philip J. Ganem, Trustee The William H. and Kate F. Stockham Foundation, Inc. c/o Stockham Valves and Fittings, Inc. 4000 North Tenth Avenue P.O. Box 10326 Birmingham, AL 35202 P/D: Grants for present and former employees who reside in Alabama or in a southeastern state, to help pay for general living expenses. Write for guidelines. Contact: Richard I. Stockham, Jr. Cordelia Lunceford Beatty Trust c/o Security Bank Bldg., 2nd floor 101 North Main, P.O. Box 514 Blackwell, OK 74631 (405) 363-3684 P/D: Types of assistance include needy residents, medical and dental expenses, school related travel expenses, and sport camperships. Limited to residents of Blackwell, OK who are under the age of 19. Contact Foundation for current application guidelines. Contact: James R. Rodgers, Trustee Nehemiah Housing Oppt. Grant Programs. Sinlge Family Housing Dev. Division Jackson HUD Office 100 West Bay Street (601) 965-5308 Jacksonville, MS 39269 P/D: Grants to provide an opportunity for those families who would otherwise not be financially able to own a home. Farmers Home Administration P.O. Box 400 (302) 697-4300 Camden, DE 19934 P/D: Grants to assist very low and low income rural home owners to repair or rehabilitate their housing. Maxwell M. Corpening, Jr. Memorial P.O. Box 2400 Marion, NC 28752 P/D: Grants for rent, utilities, medicine, and other necessities to financially needy residents of McDowell County, NC. Completion of formal application required. Contact: Terri J. Straughn Emmons County Sports Alumni, Inc. c/o Terry Gimbel 420 North Broadway Linton, ND 58552 P/D: Emergency assistance to needy individuals residing in Emmons County, ND. Write for guidelines. William Higgins Trust for Avaline Fund c/o Bank One Trust Group 111 Monument Circle, Suite 1701 Indianapolis, IN 46277-0117 (317) 646-5400 Application Address: c/o Robert A. Duff, National City Bank P.O. Box 849 Anderson, IN 46015 P/D: Financial assistance to aged, indigent residents of IN. Application by letter outlining, financial need accepted throughout the year. Contact: Robert A. Duff Emma J. Adams Memorial Fund, Inc. 605 Third Avenue 25th Floor New York, NY 10158 P/D: Welfare assistance primarily through institutions to the elderly and gentlemen and gentlewomen indigent in the greater New York, NY, metropolitan area. Initial approach by letter detailing specific need for which request is made. Completion of formal application required. Interview req. Contact: Edward R. Finch Jr. President Joe W. and Dorothy Dorsett Brown Fd. 1801 Pere Marquette Building New Orleans, LA 70112 (504)522-4233 P/D: For residents in Louisiana in financial need. Contact: D. P. Spencer - Write proposal The Arthur Crames Family Foun., Inc. 19 Briarcliff Road Upper Saddle River, NJ 07458 P/D: Grants to families of firemen and policemen killed or injured in the line of duty, primarily in New York, NY. Contact Foundation for current application guidelines. Contact: Arthur Crames, Dir. Camden Home for Senior Citizens 66 Washington Street, (207)236-2087 Camden, ME 04843 Application Address: Belfast Road Camden, ME 04843 (207) 236-2014 P/D: Grants for residents of Camden, Rockport, Hope, and Linconville, for heating, food, medical bills, drugs, rent, real estate taxes, etc. Write for guidelines. Contact: Adele Hopkins, Sec. Treasurer Morrison Knudson Corporation Foundation, Inc. (formerly Morrison Knudsen Employees Foundation, Inc.) P.O. Box 73 (208)386-8100 Boise, ID 83729 Application Address: One Morrison Knudsen Plaza Boise, ID 83729 P/D: Welfare assistance to financially needy individuals and families, including employees and former employees, in regions where Morrison Knudsen Corporation has operations. Completion of formal application required, including financial statement. Interviews required. Contact: Marlene Puckett, Admin. Grant Info Web Sites www.nonprofit.org www.cfda.gov www.fastweb.com www.finaid.org ADDITIONAL SOURCE FOR MONEY TO FIX UP YOUR HOME? Top Up to $15,000.00 are available for home improvement. This money comes from the government and is given to local groups in your community, who in turn give the money to home owner's. To identify the local groups in your area, contact: Rural Housing and Community Development Services US Dept. of Agriculture Washington, D.C. 20250 (202) 720-1606 The Federal Government and the SBA are involved in making grants, which never have to be repaid. The Federal Government at one time or another, has money for a variety of purposes. The most successful grant program is the small business innovation research program, which have grants ranging from $50,000.00 up to $500,000.00. To contact the SBIRP call (202)653-6458 No single directory/manual is able to list all of the Government Foundation and Private Foundation Grant sources. There are well over 30,000 in the United States alone, that give money for specialized programs. The purpose of this manual is to provide you the grant-seeker one of the widest varieties possible, with the best information available. So you can obtain your grant in the shortest time possible. The key to obtaining your grant is preparation. Steps to follow: a) Identify the correct foundation that fits your purpose. b) Be extremely knowledgeable about your project. c) Request only application guidelines at first, and any other information or materials they may have. d) Call or write to the foundation and obtain the name to whom the proposal or application should be submitted to.(We recommend a written letter only requesting guidelines at first) e) Note the date of your call, the name of the person you spoke to for further reference. Thank you for the purchase of our Program, Good Luck with your personal or financial success. FOUNDATION GRANTS FOR FOREIGN INDIVIDUALS Top Grants which are made to foreign individuals by U.S. foundations include, funds for travel to the United States, general welfare assistance, and for creative and scholarly endeavors. The Commonwealth Fund United Kingdom Australia New Zealand One East 7th Street New York, NY 10021-2692 (The Trustee of Ivan V.) Education Fund, Inc. Russian Immigrants 651 11th Avenue San Francisco, CA 94118 German Marshall Fund of the U.S. Eurgope 11 Dupont Circle NW, Ste. 750 Washington, D.C. 20036 Meftah Scholarship Foundation Immigrant and refugee youths 2777 Me Coy Road Columbus, OH 43220 Harkham Foundation Israel 857 S. San Pedro Street Los Angeles, CA 90014 Shatford (J.D.) Memorial Trust c/o Chemical Bank Hubbards, Nova Scotia, Canada 30 Rockefeller Plaza New York, MY 10112 Hawthorne (Hugh A.) Foundation Ireland 5634 Brair Drive Houston. TX 77056 Taraknath Das Foundation c/o Southern Asia Institute Columbus University India 420 W. 118th Street New York, NY 10027 Other Small Business Administration Offices REGION I Business Service Center (IAB) 10 Causeway St., Room 290 Boston, MA 02222 (617) 565-8100 REGION II Program Support Div. (2AR) Business Services, Room 18-130 26 Federal Plaza New York, NY 10278 (212) 264-1234 Top Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont New Jersey, New York, Puerto Rico, U.S. Virgin Islands REGION III (215) 656-5525 Program Services Div. (3ADS) Wanamaker Bldg., 100 Penn Sq. East, Room 829 Philadelphia, PA 19107 Delaware, West Virginia Maryland, Pennsylvania, Virginia REGION IV Office of Enterprise Dev. (4E) 401 W. Peachtree St., Room 302 Atlanta, GA 30365-2550 (404) 331-5103 Alabama, Florida, Georgia, Kentucky North Carolina, South Carolina, Tennessee, Mississippi REGION V Business Service Center (5ADB) 230 S Dearborn St, Room 3714 Chicago, CL 60604 (312) 353-5383 Illinois, Indiana, Michigan, Minnesota Ohio, Wisconsin REGION VI Office of Enterprise Dev. (6ADB) 1500 E. Bannister Rd., Room 1160 Kansas City, MO 64131 (816) 926-7016 Iowa. Kansas. Missouri, Nebraska REGION VII Office of Enterprise Dev. (7CPP) 819 Taylor St., Room 9AOO Ft. Worth, TX 76102 (817) 978-3284 Arkansas, Louisiana, New Mexico, Oklahoma, Texas REGION VIII (303) 236-7408 Business Service Ctr. (8PB-B), Denver Federal Center Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming Bldg. 41, Room 145, P.O. Box 25006 Denver, CO 80225 REGION IX Office of Enterprise Dev. (9ADB) 450 Golden Gate Avenue Room 6514, 5th Floor San Francisco, CA 94102 REGION X Business Service Center (9ABD-L) 300 N. Los Angeles St., Room 3259 Los Angeles, CA 90012 (415) 522-2700 Arizona, California, Hawaii, Nevada (213) 894-3210 Most Frequently Asked Questions: Top EXAMPLES: Q A What should I say when I contact the foundation/agencies? Does your organization have any grants/loans or resource programs available for corn producers? Q A "If they say yes". What should I ask for? Could you please send me all literature, guidelines, and applications for your programs. Q A "What if they say no" Could you please direct me to an organization or individual who maybe able to assist me in the corn producer's field? Q A What should I do if it appears I'm getting the run around? If you keep getting referred to different departments and have not found exactly what your looking for, this in some cases can be normal. It can sometimes take 5 to 10 phone calls for you to find the right contact. You must remember the government employs thousands of people for these agencies, and not everyone will know what the government has to offer. You must be patient, friendly and persistent. Q A What do I do when I receive my application kit? Read the contents of the guidelines thoroughly. And always look for ways for your project to fit the agencies well being, plus your own personal agenda. Q A What if money is not my only objective. Is their any other services available? The Government has many services they can offer, just to name a few: Help with taxes, legal help, marketing analyzes, trends, new technologies, and education support. The whole key to this is, you must find the right contact for your particular purpose. This will open the door to a wealth of knowledge. Q A What if my proposal keeps getting rejected? Government proposals are open to the public. You can ask for copies of successful proposal's, which have been funded. Q A What if the Organization I am interested in only gives to non-profits. Contact them and ask them for a list of the agencies they fund. What happens is that the money or service is then distributed at the local level Disclaimer: We do not guarantee that you will receive the grant money or, are we liable for any financial loss or personal damage. However, We do guarantee that if after following the procedures set forth you do not receive a free grant, or if you are not satisfied with this product for any reason, you may return it in like new condition for a 100% refund, less S&H. SAMPLE LETTER Top Current date: Contact=s Name Contact=s Title Name of Organization Address City, State, Zip Re: Name of Government Grant, Foundation Grant, Etc. Dear Sir/Madam: It has been brought to my attention that I may qualify for participation in your (Grant/Foundation/etc.) program for a (Business Grant/Personal Grant/Scholarship/etc.). My (Business Interest/Business Product or Service/Personal Needs/Educational Interests/etc.) Are _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ _________________________________________________________________________________________ I would greatly appreciate receiving information regarding your program=s eligibility requirements, and the necessary application form. If you have knowledge of similar programs which may be beneficial, I would appreciate that information as well. Thank you for your time and cooperation. I look forward to receiving your information. Sincerely yours, Your Name Your Business Name (if applicable) Your Home or Business Address City, State, Zip (NOTE: Make a copy of all letters and applications before mailing your originals.)