Free MONEY
Usually through direct grants that do not have to be paid back.

BUSINESS CONSULTING
Free management advice is offered on almost every business subject by the Department of Economic Development to minimize new business start-up management costs.

BUSINESS SITE SELECTION
State hired specialists are available to assist new entrepreneurs select the best possible location for their new business.

MANAGEMENT TRAINING
Most states will assign specialists to work with a new business with one-on-one management training.

EMPLOYEE TRAINING ASSISTANCE
This program provides Free MONEY to train employees. Free MONEY is also available to send employees to school.

RESEARCH & DEVELOPMENT GRANTS
Free MONEY is available to attract high-tech related companies.

PROGRAM CONSULTANTS
States have highly trained management consultants who will locate Federal Grant Programs to help you through the application process.

FORMS & DOCUMENTS
State professionals will help a new business owner apply for permits, licenses, or any other legal document a business may require.

VENTURE CAPITAL FINANCING
This method can provide Free MONEY in the sense you wouldn't have to pay it back. You would, however, probably have to give up part of the ownership of your business in order to receive financing. Most states have their own venture capital finance firms that invest in high risk businesses.

MINORITIES & WOMEN
Free MONEY grants are available in most states for women or minorities who want to start a business.

LOW INTEREST LOANS
A state may raise money through industrial revenue bonds to buy your fixed-asset equipment. The public, which invest in these bonds, do not pay taxes on the earned interest. When a low interest loan is granted, the state does not guarantee that investors will get their money back if the business fails. If a state issues a general obligation bond, a public investment is then guaranteed. The states will also make direct loans at low interest, or even co-sign a commercial bank loan. If a state co-signs a loan for you, it may subsidize your interest and reduce an already low-interest rate lower yet.

SMALL BUSINESS DEVELOPMENT CENTERS
Every state has Small Business Development Centers who can match you with the right Free MONEY grant program. All development centers offer free counseling to anyone wishing to start or expand a business. Their services are varied but include; Free seminars, workshops, business planning, feasibility studies, marketing research, management analysis, sales technique, financing, exporting, inventory control, accounting, record keeping, and grant application. Whatever your questions about Free MONEY grants or starting a business, refer to your telephone directory under State Offices and contact your Small Business Development Center.

SMALL BUSINESS INVESTMENT COMPANIES
Small business investment companies can provide your business with the capital it needs. Small business investment companies are in the business of making money just like any other business

For a complete listing of the thousands of Small Business Investment Companies, visit your local library and ask for the SBIC Catalog. Study the catalog and note the companies that specialize in your area of interest. Then write them and request more information on what they have to offer.