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Government Grants and Loans

What is a Grant from the Government?

A grant is one of the ways the government funds ideas and projects to provide public services and stimulate the economy. Grants support critical recovery initiatives, innovative research, and many other programs listed in the Catalog of Federal Domestic Assistance  (CFDA). Learn more about grants and types of grants .

Examples of Grants

Examples include funding appropriated for states and organizations, such as:

Who May Receive a Grant?

The federal government typically awards grants to state and local governments, universities, researchers, law enforcement, organizations, and institutions planning major projects that will benefit specific parts of the population or the community as a whole.

Contrary to what you might see online or in the media, the federal government does not offer grants or “free money” to individuals to start a business, or cover personal expenses. However, the government offers federal benefit programs designed to help individuals and families in need become self-sufficient or lower their expenses.

Search and Apply for Government Grants

Use the federal government’s free, official website, Grants.gov  rather than commercial sites that may charge a fee for grant information or application forms. Grants.gov centralizes information from more than 1,000 government grant programs to help states and organizations find and apply for grants.

“Free” Grants and Grant Scams

If you received information stating you qualify for a “free grant,” it is probably a scam. Get information from the Federal Trade Commission (FTC) to help you learn to recognize and avoid grant scams. If you have been a victim of a grant scam, you can file a complaint with the FTC.

Contact your state consumer protection office if you have purchased a book or paid a fee to get grant information and are not satisfied.

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