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Frequently Asked Questions


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Are there really grants to pay off personal debt?

There are very few grants available for personal assistance or to pay off debt. This is due to the fact that "individuals" are typically not eligible to apply for most discretionary grants, no matter how needy. Even though they are few and far between, personal debt grants do exist especially if used to help pay off medical bills or to support an individual working in a particular industry (such as artists or engineers). Take a look at the following grant opportunity. Note, however, the narrow eligibility requirement. You have to really dig to find these unique opportunities:

Name of Funder Change, Inc.
Title of Funding Opportunity One-time Emergency Grants for Artists
Amount of Funding Available $1,000
Deadline May 1 of every year
How the Funding Can be Used Change, Inc. provides one-time emergency grants up to $1000 to artists of any discipline. The funds are designed to help individuals in the arts pay their rent, utility bills, and other personal or professional expenses.
Who is Eligible for the Funding? Professional artists of any and all disciplines whose art impacts the State of Washington.

Outside of grants, there are many other types of funding opportunities available in the form of loans, loan forgiveness programs, stipends, subsidies, entitlements, and tax credits that you should explore. Give us a call at 505-325-4245 to determine what types of grants and funding opportunities best meet your needs.

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I need a grant to pay for a new home or to remodel my home; are there grants for these types of endeavors?

Traditionally, there have been very few grants available for buying or remodeling homes, unless you plan to use the facility to provide shelter or housing solutions for the disabled, elderly, criminal offenders, runaways, victims, and/or impoverished children and families. While there are multitudes of grants for these latter endeavors, we are beginning to see some new funding trends that cover the gamut of housing acquisition and remodels. For example, HUD recently released a grant opportunity that would allow a homeowner to secure up to $15,000 to upgrade his/her home with green energy solutions. This is one of several examples of some brand new opportunities that we can help you find and tap into.

In addition to grants, there are a number of local and state programs (not direct grants) available to support low-income families in purchasing their first homes through individual development accounts, low interest loans, and/or construction support activities. We can help you find and apply for assistance from these types of programs, as well.

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Are there really grants to start a business?

Although most government and foundation grants are usually targeted for nonprofit organizations, education agencies, and public organizations, business grant opportunities do exist and we can help you find and apply for them. It is important to know that a huge portion of business grants fall into the classification of "research and development." If you have innovative products and solutions in the area of health/medicine, commerce, homeland security, green energy and environment, or food and farming technology, then it will be fairly easy to secure funding for your venture. There are also a large handful of grants that businesses can apply for if the business is providing a service that benefits the community, such as jobs (and job training) for disadvantaged and/or disabled workers, child care or after school programs, transportation assistance, elderly care, reintegration services for veterans or unique populations like former offenders and refugees, etc. Many businesses additionally find that they can expand the number of grants they are eligible for by applying in partnership with a nonprofit or by going through the nonprofit incorporation process. These are tough strategies to navigate on your own which is why Resource Associates' consulting is free and a wonderful service to take advantage of. Whether your business falls into one of the above categories or not, send us some information on your venture and ideas so we can advise you regarding if you are on the right path or not. You can do this by using our free Grant Wizard online inquiry service or by simply giving us a call at 505-326-4245.

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Does Resource Associates guarantee that if it writes a grant, the grant proposal will be funded?

No. We are not aware of any legitimate organization that can make and keep such a guarantee. In fact, if a grant writer or firm tells you that grant funding is guaranteed, it is very likely that such an individual or firm is a scammer and only wants your money. The truth about grants is that there is always a risk involved in applying for funding - regardless of a grant writer's previous award success. The only exception to this involves what are called entitlement grants which are allocated funds given to very specific government organizations, like school districts.

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Can I just pay for grant writing services out of the awarded grant?

No. In 99% of all cases, grant funders will not allow grant money to be used to pay for services rendered prior to an award. Therefore, legitimate grant writing firms or grant writers will not place their clients at risk of fraud by charging for grant writing contingent upon a grant being funded. Be very cautious of those who do. It is likely they are not knowledgeable about the law or they are trying to scam you. We have heard of grant writers who tell their clients that a grant or grants have been awarded and then bill the clients for the supposed contingency money owed. Clients find out only weeks later that the grant proposals were never even written or submitted to the funders and of course were never awarded as they had been led to believe.

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