Browse Ambrook’s collection of grants, loans, discounts, cost shares, easements, and insurance for small producers.

What documents must an applicant submit to HFLS?
The documents below are required for a Coronavirus Financial Impact Loan. Once you have completed or collected all the documents below and have all necessary signatures, contact Loan@HFLS.org to schedule a loan interview with an HFLS Loan Officer, which can be conducted via phone video (Zoom) call. Please submit the following documents to HFLS through the online application.
From the borrower:
- Loan Application, completed and signed by the applicant (and their spouse, if they are married) using the online application link at the bottom of this page.
- Copies of government-issued photo IDs that include signatures and serve as proof of address for the applicant and their spouse (e.g. driver’s license). If the driver’s license does not include the applicant’s current address, HFLS will require proof of residency (e.g. a utility bill or account statement).
- Voided check, checking account statement, or bank statement that includes the applicant’s name and the bank name, the checking account number, and the routing number.

Failure to submit these documents will delay the processing of your application. 

What is the Loan Interview?
Once you have collected all the documents above, please email Loan@HFLS.org to schedule your 10-15 minute loan interview with an HFLS Loan Officer, which will be conducted by phone or video call (Zoom). Loan interviews may be scheduled Mondays through Thursdays between 9 am and 5 pm.
Please submit the documents listed above to HFLS prior to the loan interview to avoid delays in processing your application. During the interview, an HFLS Loan Officer will review your application and guarantor form, explain the loan terms and remainder of the loan process, and answer any questions you have.

How long does it take HFLS to review and decide on my loan application?
HFLS reviews and decides on loan applications weekly. If we have questions about your application or guarantor, you may receive a call or email from a Loan Officer asking for further information before HFLS will make its decision.
You will receive an email within approximately one week of your loan interview informing you of the loan decision. HFLS, in its discretion, may decline to make a loan, make a loan in an amount less than that requested, or require different or additional guarantors.

If my loan is approved, what happens next?
If your loan is approved, you will receive an email that contains instructions to complete and sign the final loan paperwork through DocuSign. The final loan paperwork includes:
- A Promissory Note, to be signed by the borrower, guarantor, and all spouses
- An ACH authorization form, so monthly loan payments can be withdrawn automatically from your checking account
Once HFLS receives the signed documents above, we will disburse your loan funds directly into your checking account within one week. (Please note that it may take a few days after the disbursement for the loan funds to appear in your checking account.)


The Coronavirus Financial Impact Loan Program provides interest-free loans of up to $7,500 to residents of New York City’s five boroughs, Westchester, or Long Island who are facing financial challenges caused by the Coronavirus outbreak. These loans are intended to address:

- Lost wages due to being unable to go to work

- Child care costs due to school closures

- Small business losses

- Related medical costs



The Coronavirus Financial Impact Loan Program provides interest-free loans of up to $7,500 to residents of New York City’s five boroughs, Westchester, or Long Island who are facing financial challenges caused by the Coronavirus outbreak. These loans are intended to address:
- Lost wages due to being unable to go to work
- Child care costs due to school closures
- Small business losses
- Related medical costs

Loan applicants must have annual pre-tax household income at or below the income limits for their household size.
- 1 person: $91,540 household income
- 2 person: $104,650 household income
- 3 person: $117,760 household income
- 4 person: $130,755 household income
- 5 person: $141,220 household income
- 6 person: $157,435 household income
- 7 person: $162,150 household income
- 8 person: $172,615 household income

A payment that must be returned to the provider following specified terms of repayment and interest rate.

Loan

Disaster Relief

Emergency

Coronavirus Financial Impact Loans have a grace period of three months before repayment begins. After the grace period, loans of $5,000 or less are repayble in monthly installments over up to 20 months; loans of more than $5,000 are repayable over up to 25 months. (For example, a loan of $4,000 = repayments of $200/month over 20 months; a loan of $7,500 = repayments of $300/month over 25 months.)
Repayments will be made on either the 5th or the 20th of each month; you will select your preference before HFLS disburses your loan. All loan repayments are made by electronic debit of a checking account.


This form is used to apply for the Small and Very Small Producers Cattle program: QAD 1020C Form Application for SVS Cattle Program (doc)
Applications should be submitted via email to QAD.Auditservice@usda.gov. If email is not possible hard copy application can be submitted to:
USDA, AMS, LP, Quality Assessment Division
Audit Services Branch
1400 Independence Ave. S.W.
Stop 0258 – Rm3932S
Washington, DC 20250

This form is used to apply for the Small and Very Small Producers Sheep program: QAD 1020S Form Application for SVS Sheep Program (doc)
Applications should be submitted via email to QAD.Auditservice@usda.gov. If email is not possible hard copy application can be submitted to:
USDA, AMS, LP, Quality Assessment Division
Audit Services Branch
1400 Independence Ave. S.W.
Stop 0258 – Rm3932S
Washington, DC 20250

AMS reviews a producer’s application and detailed farm/ranch plan. If the information is sufficient, AMS approves the producer and the cattle and/or sheep as meeting the requirements of the USDA Grass Fed Program for Small and Very Small (SVS) Producers.  Producers certified under this program receive a certificate that allows them to market cattle and sheep as USDA Certified grass-fed.

USDA, Agricultural Marketing Service, Grants Division

The USDA Grass Fed Program for Small and Very Small (SVS) Producers was designed to create opportunities for small-scale livestock producers who would like to have their ruminant animals certified as grass fed.



This program, is designed for producers who market 49 cattle or less each year or lambs produced from 99 ewes or less.

This program requires that ruminant animals be fed only grass and forage, with the exception of milk consumed prior to weaning.  Animals certified under this program cannot be fed grain or grain by-products and must have continuous access to pasture during the growing season.

The “49 cattle or less” or “lambs produced from 99 or less ewes” rule is based upon the smallest groups identified in the Census of Agriculture.

A reduction or waiving of fees for meeting a certain criteria.

Discount

Cattle

Lambs

Ewes

Feeder Cattle

Slaughter Cattle

Beef Cattle

Dairy Cattle

Livestock

Sheep

- Official Listing for Grass Fed Beef SVS Program
- Official Listing for Grass Fed Sheep SVS Program
- QAD 1020: Grass Fed Program SVS Producers
- QAD 1020C: Application for SVS Cattle Program
- QAD 1020S: Application for SVS Sheep Program
- National Grass Fed Beef Report (Monthly)

Certified Organic

Marketing

Conservation

Research

Compliance

Regenerative

Cost of the Service: The set fee for the review is $150.00.

Duration of the approval: Two year period.

Fill out the 2022/2023 Small-Scale Farm Grant form and the relevant supplemental form from this list:
- AgroForestry Supplemental
- Aquaculture Supplemental
- Food Insecure Area Production Supplemental
- Organic Supplemental
- Value-Added Supplemental

Return via email to:
Allison Noel
allison.noel@kysu.edu
or via regular mail to:
M. Allison Noel
Kentucky State University
400 East Main Street
CEB-218
Frankfort, KY 40601



Allison Noel

Kevin Gurtowski

Joni Nelson

The Kentucky State University (KYSU) Center for the Sustainability of Farms and Families (CSFF) works to develop resources to provide assistance to small-scale farms. In partnership with the Kentucky Agricultural Development Fund (KADF) and the Kentucky Agricultural Development Board (KADB), KYSU is able to provide these grants.

This program helps farmers who want to improve their farming operations, improve the marketability of their products with value-added enterprise, and who want to further their farming and agricultural knowledge through educational trainings.


**This program has 6 application periods per year:**

**February 1, April 1, June 1, August 1, October 1, December 1**


Applications do not "roll over" to the next period, you must submit an application into each period if you wish to be reconsidered.



The Kentucky State University (KYSU) Center for the Sustainability of Farms and Families (CSFF) works to develop resources to provide assistance to small-scale farms. In partnership with the Kentucky Agricultural Development Fund (KADF) and the Kentucky Agricultural Development Board (KADB), KYSU is able to provide these grants.
This program helps farmers who want to improve their farming operations, improve the marketability of their products with value-added enterprise, and who want to further their farming and agricultural knowledge through educational trainings.

This program has 6 application periods per year: 
February 1, April 1, June 1, August 1, October 1, December 1

Applications do not "roll over" to the next period, you must submit an application into each period if you wish to be reconsidered.

The Small-Scale Farm Grant is available for operations in the following priority areas:

Aquaculture & Aquaponics
- Fish farming including assistance such as aerators, some pond preparations, harvesting equipment and more.
- Vegetable and/or fish production using recirculating systems (coupled/decoupled).

Certified Organic Agriculture
- Production-related implements, equipment, and supplies including broadfork, walk-behind implements, hand tools, irrigation lines, etc.

Value-Added Products
- Refinement or change of raw agricultural products to a new product of increased market value such as grains to bread or milk to cheese, soap, and lotions.
- Products may include jams, jellies, granola, candles, lotions, as well as cold storage for produce.

Food Insecure Area Production
- Produces or sells in one or more of the 77 eligible counties (see application).
- Does not qualify for other SSFG categories.
- Addresses one or more of the following: hydroponics, poultry/eggs, meats, small ruminants (excluding cattle and dairy cattle), or another unique project that will be evaluated on an individual basis.

Counties Eligible for Food Insecurity Program are here: Food Insecure Counties.

Agroforestry
- Products may include sap syrup, mushrooms, honey, medicinal herbs, black cohosh, goldenseal, fruits, nuts, berries and silvopasture ruminant production (excluding cattle or dairy cattle production).
- Acquiring equipment and non-disposable supplies and materials related to the production, harvesting/collection, processing, storage and packaging of non-timber forest products.

Farmer Education Assistance
- Workshops, conferences, and online trainings.
- Lodging, mileage, and registration fees allowed.
- Reference materials.

A lump sum of money for a specific purpose that does not need to be paid back.

Grant

- 2022/2023 Application
- Enhancing Agricultural Opportunities for Small-Scale Farms Brochure


Stewardship

Events

Distribution

Diversification

HVAC

Lighting

Repairs

Trade Relief

Labor

Certification

Water Management

Facilities

The U.S. Department of Agriculture defines a small scale farm as one that sells less than $250,000 of agricultural products each year. Farmers who are motivated to improve their business and who can demonstrate the ability to document their successes will be considered.

Grant Funds cannot be used for the following:
- Motorized vehicles such as trucks, tractors, walk-behinds.
- Labor costs paid to the applicant or their relatives.
- Consumables or expendables such as jars, seeds, feed, trees, or plant materials.
- Partial funding of equipment greater than $10,000. Up to $10,000 on a single piece of equipment requires verified matching funds up to $5,000.


Review the Draft Application to prepare for submission. When you are ready, complete your application at this portal.

You will be required to upload these documents during the application process:
- Project Template (download during application)
- W-9 (Downloadable below)
- A DUNS Number (Look yours up or get one for free here)

The AIIP will provide critical funding for Maine farms and agricultural food processors pursuing infrastructure upgrades that will mitigate the adverse effects of COVID-19, increase capacity, enhance supply chain resilience, address market disruptions, and drive growth within the Maine agricultural and food economy while providing more locally-available foods to Mainers.

This funding will help farms and processors who source from Maine’s agricultural producers acquire the equipment and assets necessary to grow capacity in a manner that meets the markedly increased demand for Maine grown and produced products as well as the new operational requirements resulting from pandemic conditions.

The two primary goals of the AIIP are as follows:

1. To provide an injection of critical funding for Maine farms and agricultural food processing businesses that have faced and continue to face market disruptions, supply chain issues, and workforce challenges due to the COVID-19 pandemic and related public health response. Specifically, this funding will support projects that allow farms and businesses to increase production and processing capacity by investing in infrastructure and equipment; and

2. To make investments in Maine agricultural processors that aid transitions to address new market dynamics and enable long-term sustainability in the sector.




The AIIP will provide critical funding for Maine farms and agricultural food processors pursuing infrastructure upgrades that will mitigate the adverse effects of COVID-19, increase capacity, enhance supply chain resilience, address market disruptions, and drive growth within the Maine agricultural and food economy while providing more locally-available foods to Mainers.
This funding will help farms and processors who source from Maine’s agricultural producers acquire the equipment and assets necessary to grow capacity in a manner that meets the markedly increased demand for Maine grown and produced products as well as the new operational requirements resulting from pandemic conditions.
The two primary goals of the AIIP are as follows:
1. To provide an injection of critical funding for Maine farms and agricultural food processing businesses that have faced and continue to face market disruptions, supply chain issues, and workforce challenges due to the COVID-19 pandemic and related public health response. Specifically, this funding will support projects that allow farms and businesses to increase production and processing capacity by investing in infrastructure and equipment; and
2. To make investments in Maine agricultural processors that aid transitions to address new market dynamics and enable long-term sustainability in the sector.


To be eligible for this funding opportunity, applicants must:
- Be a farm or agricultural business or organization with fewer than 200 employees;
- Be located in Maine;
- Be current and in good standing with all Maine State payroll taxes, sales taxes, and state income taxes (as applicable);
- Not be in bankruptcy; and
- Not have permanently ceased all operations.

Eligible Activities and Expenses:
- Capital improvements to expand capacity (including expansion and modifications to existing buildings and/or construction of new buildings at existing or newly acquired sites) for the purpose of processing, aggregating, storing, and value-adding Maine agricultural products.
- Upgrades to utilities (including water, electric, heat, refrigeration, freezing, and waste facilities).
- Livestock intake and storage equipment.
- Growing, processing, manufacturing, and storage equipment and construction.
- Packaging and handling equipment (including sealing, bagging, boxing, labeling, conveying, and product moving equipment).
- Additional warehouse equipment (including storage and drying/curing racks).
- Purchase of waste treatment/management equipment (including tanks, blowers, separators, dryers, digesters, and equipment that uses waste to produce energy, fuel, or industrial products).
- Facility reconfiguration (including labor and materials for changes necessary to meet social distancing guidelines).
- Technology that allows increased capacity (to meet unanticipated demand) or business resilience (including software and hardware related to business functions, logistics, inventory management, plant production controls, temperature monitoring controls)
- Consulting, and Technical Assistance (TA), including market research and feasibility studies, engineering and construction planning, land use planning, facility design and configuration planning, and other services that directly support future implementation of infrastructure-related capacity-building projects.
- Leasehold improvements to rented buildings or facilities.


- AIIP Overview & Application
- AIIP Guidelines & Eligibility
- AIIP FAQs
- Draft Application

Trees

Wildfire

Weather

Fencing

Coronavirus

Hurricane

Tornado

Flood

Drought

Priority will be given to applications that satisfy any combination of the following:
- Process products intended for human consumption;
- Source from multiple Maine farms;
- Source more than 50% of product inputs from Maine;
- Provide inputs for multiple down-stream food producers;
- Support other Maine agricultural businesses by sharing processing infrastructure.


Write a Pre-qualification letter according to these guidelines and email to  questions@farmersmarketsnm.org

Or mail to:
New Mexico Farmers' Marketing Association
1219 Luisa St. #1
Santa Fe, NM 87505

New Mexico Farmers' Marketing Association

The New Mexico Farmers' Marketing Association (NMFMA) is a nonprofit organization with a mission to support farmers and producers who grow and sell food at farmers' markets and other local and direct marketing venues in New Mexico.


With donations received, the NMFMA maintains an account at the Sandia Area Federal Credit Union (SAFCU) with funds to be used as collateral for small loans to New Mexico farmers. This enables the loans to be offered at a low interest rate and as the loans are repaid, the funds can be reused to secure new loans. It is reuse and recycling at its best!



The New Mexico Farmers' Marketing Association (NMFMA) is a nonprofit organization with a mission to support farmers and producers who grow and sell food at farmers' markets and other local and direct marketing venues in New Mexico.

With donations received, the NMFMA maintains an account at the Sandia Area Federal Credit Union (SAFCU) with funds to be used as collateral for small loans to New Mexico farmers. This enables the loans to be offered at a low interest rate and as the loans are repaid, the funds can be reused to secure new loans. It is reuse and recycling at its best!

To qualify for a loan, applicants must comply with each of the following requirements:
- Only members of the NMFMA are eligible to apply. Join the NMFMA here.
- Submit an NMFMA Pre-qualification Letter (download guidelines here). Applicants may also call the NMFMA at (505) 983-4010, to request an application form by mail or fax.
- Must be a SFACU member by establishing an account at SFACU with a $50.00 balance, and upon pre-qualification approval, fill out a basic one-page NMFMA Loan Application.
- Must be a food producer or food vendor (for at least one year) at an NMFMA member market. If you are a New Mexico food producer, food vendor, or are affiliated with local food who does not sell at an NMFMA member market, please contact us and we may be able to help.
- We may request an exit interview at the end of the payment period.

Farmers Market

Food Systems

Local Food

Loan Details
- Loan amounts available: $500 to $2,500
- Terms: 40 months, fixed interest rate of 6% (check with NMFMA for most current rate) There is no penalty for early repayment.


It recommended that you call and make an appointment with your nearest Farm Loan Officer or Farm Loan Manager. Agency officials are required to:
- Help loan applicants complete FSA forms and gather information necessary for a complete application;
- Explain the application procedure, process, and the requirements for a complete application;
- Assist loan applicants in completing FSA forms and identifying sources of information needed for a complete application, if assistance is requested;
- Inform loan applicants of other technical assistance providers who may be of assistance at minimal or no charge. Some examples include, and are not limited to, the Cooperative Extension Service, non-profit organizations and institutions, the Intertribal Agriculture Council, and other similar organizations; and
- Advise applicants of alternatives that will help overcome any possible barriers to being determined eligible for an FSA loan.

Suggestions for First Meeting with FSA
- Have a general idea of what it is you want to do and be able to identify your goals. What type of operation do you have or want to have? What do you need to operate that farm or ranch? How will you market your product(s)? How much do you need? What are your projections?
- Good recordkeeping is very important. If you do not have your records organized, it is a good idea to try and put all your income and expenses into an understandable format. It does not have to be fancy. Also, what is happening inside the household is just as important as your business needs. Expenses such as food, clothing, mortgage or rent, insurance, taxes, medical costs, credit card payments, education expenses, and other consumer debt are part of the farm plan calculations. Know your costs. Bring your records with you.
- Remember to bring any financial records, which can include tax returns, for the most recent production cycle to assist in projecting the cash flow for your loan proposal. If you need to rely on off-farm income to repay the loan, bring in your last few pay stubs.
- Bring copies of any written leases to the office with you if you are leasing land or equipment.
- It is a prudent idea to check your credit report before applying for a loan. This allows you to spot any errors or research events that may have negatively impacted your credit. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies—Equifax, Experian, and TransUnion—to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's credit reporting companies. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA with respect to credit reporting companies.
- Many answers can be found in the booklet, "Your Guide to FSA Farm Loans.

The focus of Microloans is on the financing needs of small, beginning farmer, niche and non-traditional farm operations, such as truck farms, farms participating in direct marketing and sales such as farmers’ markets, CSA’s (Community Supported Agriculture), restaurants and grocery stores, or those using hydroponic, aquaponic, organic and vertical growing methods.


**Direct Farm Ownership Microloans:**

- Make a down payment on a farm

- Build, Repair, or Improve farm buildings, service buildings, farm dwelling

- Soil and Water Conservation Projects

- May be used as a Downpayment Farm Ownership Loan

- May be used in Joint Financing


**Direct Farm Operating Microloans:**

- Essential tools

- Fencing and trellising

- Hoop houses

- Bees and bee equipment

- Milking and pasteurization equipment

- Maple sugar shack and processing equipment

- Livestock, seed, fertilizer, utilities, land rents, family living expenses, and other materials essential to the operation

- Irrigation

- GAP (Good Agricultural Practices), GHP (Good Handling Practices), and Organic certification costs

- Marketing and distribution costs, including those associated with selling through Farmers' Markets and Community Supported Agriculture operations

- Pay for qualifying OSHA compliance standards (Federal or State)



The focus of Microloans is on the financing needs of small, beginning farmer, niche and non-traditional farm operations, such as truck farms, farms participating in direct marketing and sales such as farmers’ markets, CSA’s (Community Supported Agriculture), restaurants and grocery stores, or those using hydroponic, aquaponic, organic and vertical growing methods.

Direct Farm Ownership Microloans:
- Make a down payment on a farm
- Build, Repair, or Improve farm buildings, service buildings, farm dwelling
- Soil and Water Conservation Projects
- May be used as a Downpayment Farm Ownership Loan
- May be used in Joint Financing

Direct Farm Operating Microloans:
- Essential tools
- Fencing and trellising
- Hoop houses
- Bees and bee equipment
- Milking and pasteurization equipment
- Maple sugar shack and processing equipment
- Livestock, seed, fertilizer, utilities, land rents, family living expenses, and other materials essential to the operation
- Irrigation
- GAP (Good Agricultural Practices), GHP (Good Handling Practices), and Organic certification costs
- Marketing and distribution costs, including those associated with selling through Farmers' Markets and Community Supported Agriculture operations
- Pay for qualifying OSHA compliance standards (Federal or State)

As with the regular Operating loan program, traditional and non-traditional family farms and ranches may be eligible for Microloan financing.

General eligibility requirements include:
- Must not have Federal or State conviction(s) for planting, cultivating, growing, producing, harvesting, storing, trafficking, or possession of controlled substances
- Have the legal capacity to incur the loan obligation
- Be able to show an acceptable credit history
- Is a citizen, non-citizen national or legal resident alien of the United States, including Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and certain former Pacific Trust Territories
- Have no previous debt forgiveness by the Agency, including a guarantee loan loss payment
- Be unable to obtain sufficient credit elsewhere, with or without an FSA loan guarantee
- Not be delinquent on any Federal debt, other than IRS tax debt, at the time of loan closing
- Not be ineligible due to disqualification resulting from Federal Crop Insurance violation

- Application Instructions
- Fact Sheet: Microloans
- Direct Loan Making Handbook 3-FLP
- Farm Answers Library
- National Agrability Project
- National Organic Program
- Natural Resources and Conservation Service Resources for Small Farms
- USDA Information for Veterans
- Farmers.gov

Greenhouse

Buildings

Construction

Storage

Landscape

High Tunnel

Air Quality

Wildlife and Pollinator Habitat

Soil Health

Reduced Tillage

Weeds

Nutrition & Food Safety

Cover Crops

Certified Grassfed

Carbon Capture

Inputs

Nutrient Management

Legal & Finance

Equipment

Microloan versus FSA's "regular" loan:

Direct Farm Ownership Microloans:
- No appraisal needed
- Verification of non-farm income unnecessary unless required for repayment
- Successful repayment of an FSA Youth loan may be used towards the required 3 years of management experience

Direct Farm Operating Microloans:
- The Microloan program allows for situations where production yield history or reporting is impractical, not relevant to the proposal submitted, or is not available.
- Modified farm managerial experience requirements accommodate smaller farm operations, beginning farmers, and those with no farm management experience. Small business experience plus any farm experience, along with a self-guided apprenticeship, is a way to meet the farm management requirement.
- Rural Youth loan recipients with a successful repayment history, or youth who have participated in an agriculture-related organization, can meet the modified managerial ability requirements with those experiences.

For the Direct Ownership Microloan, the maximum term is 25 years.

For the Direct Operating Microloan, the repayment period will vary depending upon the purpose of the loan. General operating and family living expenses are due within 12 months or when the agricultural commodities sell. For larger purchases such as equipment or livestock, the term will not exceed 7 years.

To fill out a pre-application and match with a participating CDFI lender, go to nyloanfund.com.


New York Forward Loan Fund (NYFLF) is a new economic recovery loan program aimed at supporting New York State small businesses, nonprofits and small landlords as they reopen after the COVID-19 outbreak and NYS on PAUSE.

NYFLF targets the state’s small businesses with 50 or fewer full-time equivalent (FTE) employees (90% of all businesses), nonprofits and small residential landlords that have seen a loss of rental income.

NYFLF is providing working capital loans so that small businesses, nonprofits and small residential landlords have access to credit as they reopen. These loans are available to small businesses and nonprofits that did **not **receive a U.S. Small Business Administration Paycheck Protection Program of greater than $500,000 or an Economic Injury Disaster Loan (EIDL) for COVID-19 of greater than $150,000, and small landlords. The loans are not forgivable in part or whole. The loans will need to be paid back over a 5-year term with interest. 

The working capital loans are timed to support businesses and organizations as they proceed to reopen and have upfront expenses to comply with guidelines (e.g., inventory, marketing, refitting for new social distancing guidelines) under the New York Forward Plan.   

The geographic proportionality goals for the New York Forward Loan Fund for small businesses are:

- Capital Region 4%

- Central NY Region 4%

- Finger Lakes Region 4%

- Hudson Valley Region 12%

- Long Island Region 18%

- Mohawk Valley Region 4%

- NYC Region 30%

- North Country Region 4%

- Southern Tier Region 4%

- Western NY Region 8%

Access to loans for small residential landlords will be targeted to owners with residential buildings of 50 units or less and will prioritize loans for residential landlords whose properties are in low and moderate income census tracts or who serve low to moderate income tenants.

The New York Forward Loan Fund is supported by Apple Bank, BNB Bank, BlackRock Charitable Fund, Citi Foundation, Citizens Bank, Deutsche Bank, Evans Bank, Ford Foundation, HSBC Bank, M&T Bank, Morgan Stanley, Mizuho Bank, Ralph C. Wilson, Jr. Foundation and Wells Fargo.

Pre-applications for the New York Forward Loan Fund are now open. This is not a first-come, first-served loan program. Applications will be reviewed on a rolling basis. For small businesses and nonprofits, you are encouraged to prepare your pre-application in advance by taking advantage of the application preparation resources available [here](https://esd.ny.gov/nyforwardloans-info#organizations-available-to-assist). 

Five Community Development Financial Institutions (CDFIs) processing pre-applications are: Ascendus (formerly Accion East), Community Preservation Corporation, National Development Council, Pursuit and TruFund Financial Services. Please **do not** apply to the participating CDFI lender directly. 




New York Forward Loan Fund (NYFLF) is a new economic recovery loan program aimed at supporting New York State small businesses, nonprofits and small landlords as they reopen after the COVID-19 outbreak and NYS on PAUSE.
NYFLF targets the state’s small businesses with 50 or fewer full-time equivalent (FTE) employees (90% of all businesses), nonprofits and small residential landlords that have seen a loss of rental income.
NYFLF is providing working capital loans so that small businesses, nonprofits and small residential landlords have access to credit as they reopen. These loans are available to small businesses and nonprofits that did not receive a U.S. Small Business Administration Paycheck Protection Program of greater than $500,000 or an Economic Injury Disaster Loan (EIDL) for COVID-19 of greater than $150,000, and small landlords. The loans are not forgivable in part or whole. The loans will need to be paid back over a 5-year term with interest. 
The working capital loans are timed to support businesses and organizations as they proceed to reopen and have upfront expenses to comply with guidelines (e.g., inventory, marketing, refitting for new social distancing guidelines) under the New York Forward Plan.   
The geographic proportionality goals for the New York Forward Loan Fund for small businesses are:
- Capital Region 4%
- Central NY Region 4%
- Finger Lakes Region 4%
- Hudson Valley Region 12%
- Long Island Region 18%
- Mohawk Valley Region 4%
- NYC Region 30%
- North Country Region 4%
- Southern Tier Region 4%
- Western NY Region 8%
Access to loans for small residential landlords will be targeted to owners with residential buildings of 50 units or less and will prioritize loans for residential landlords whose properties are in low and moderate income census tracts or who serve low to moderate income tenants.
The New York Forward Loan Fund is supported by Apple Bank, BNB Bank, BlackRock Charitable Fund, Citi Foundation, Citizens Bank, Deutsche Bank, Evans Bank, Ford Foundation, HSBC Bank, M&T Bank, Morgan Stanley, Mizuho Bank, Ralph C. Wilson, Jr. Foundation and Wells Fargo.
Pre-applications for the New York Forward Loan Fund are now open. This is not a first-come, first-served loan program. Applications will be reviewed on a rolling basis. For small businesses and nonprofits, you are encouraged to prepare your pre-application in advance by taking advantage of the application preparation resources available here. 
Five Community Development Financial Institutions (CDFIs) processing pre-applications are: Ascendus (formerly Accion East), Community Preservation Corporation, National Development Council, Pursuit and TruFund Financial Services. Please do not apply to the participating CDFI lender directly. 


To be eligible for a New York Forward Loan Fund working capital loan, a small business must meet the requirements detailed below. Please note that the pre-application should be completed and submitted by the owner of the business with the largest ownership interest, and that all owners with more than 20% ownership will be required to attest to the information therein. 
- Employ 50 or fewer full-time equivalent (FTE) employees for both small businesses;
- Have gross revenues of less than $5 million per year;
- Must not have received a U.S. Small Business Administration Paycheck Protection Program of greater than $500,000 or an Economic Injury Disaster Loan (EIDL) for COVID-19 of greater than $150,000;
- Have suffered a direct economic hardship as a result of COVID-19 related social distancing policies and stay-at-home order that have materially impacted their operations;
- Been in business for at least 1 year as of the date of loan application; and
- Located in the State of New York.


- New York Forward Loan Fund Frequently Asked Questions
- New York Forward Loan Fund Presentation
- New York Forward Loan Fund Information Flyer – Bengali
- New York Forward Loan Fund Information Flyer – Spanish
- ​New York Forward Loan Fund Information Flyer – Haitian Creole​
- New York Forward Loan Fund Information Flyer – Korean
- New York Forward Loan Fund Information Flyer – Russian
- New York Forward Loan Fund Information Flyer – Traditional Chinese


The loan terms are as follows:
- Loan Amount:
    a. Small Businesses: Small businesses can apply for a loan in the amount of the lesser of (a) $100,000 or (b) up to 100% of average monthly revenues in any 3-month period from 2019 or first quarter of 2020.
    b. Nonprofits: Nonprofits can apply for a loan in the amount of the lesser of (a) $100,000 or (b) up to 100% of average monthly expenses in any 3-month from 2019 or first quarter of 2020.
    c. Small Residential Landlords: Small Residential Landlords can apply for a loan in the amount the lesser of (a) $100,000 or (b) projected reduction in 6-months’ net operating income based on actual reductions in net operating income for the month of April or May 2020.
- Interest Rate:
    a. Small businesses and residential landlords: The fixed annual interest rate on the loan will be 3%.
    b. Nonprofits: The fixed annual interest rate on the loan will be 2%.
- Repayment: 
    a. For months 1 – 12: Interest only payments, paid monthly. 
    b. For months 13 - 60: Interest and principal payments, paid monthly.
- Term: 5 years (60 months).
- Proceeds:
    a. Proceeds are required to be used for working capital, inventory, marketing, refitting for new social distancing guidelines, operating and emergency maintenance, property taxes, utilities, rent, supplies, etc.
    b. Refinancing of an existing loan is not permitted. 
    c. The loan applicant will be required to detail anticipated use of funds when they apply.
- Borrower Fees: No application fees. Late fee will be assessed for missed payments.
- Recourse: No specific collateral is required to be eligible (e.g., you do not need to have access to any specific real estate or equipment). Please note that this program requires a blanket first or second lien on business assets will be filed by the community lender and any owners with more than 20% ownership must sign a personal guarantee.
- Prepayment: Borrower may prepay the loan without penalty.


1. Identify your Project 
    a. Identify one or more opportunities which will enhance your operation’s efficiency or reduce pollution. 
    b. Develop a plan for a project to implement those opportunities. 
    c. Obtain quotes for the cost of the proposed project and determine the cost savings and potential environmental benefits which will result from the project’s implementation. A consultant, equipment vendor or small business assistance provider, such as the Environmental Management Assistance Program, can help determine the cost and savings by verifying your current energy or resource consumption. 
2. Apply – Follow this 2-step application process: 
    a.  Complete the Small Business Advantage Grant Calculator. Follow the instructions on the first tab of the spreadsheet. If you have questions, please contact the Small Business Ombudsman Office at (717) 772-5160. 
    b. Complete the Small Business Advantage Grant Application online at www.esa.dced.state.pa.us. Refer to the Step-by-Step Application Instructions, starting on Page 15 of the guidance document. 

For an application to be considered complete, it must contain the following items or it will be deemed deficient: 
- Completed application entered on the ESA website; 
- Application Attachments (up-load into the grant application on the ESA website): 
    - Small Business Advantage Grant Calculator; 
    - Contractor/Vendor quote; 
    - Brochures, equipment specifications and other product literature; 
    - Electric and/or natural gas bills, water bills, etc. if applicable; and 
    - The Land Owner Consent form, if applicable

PA DEP Program Staff

The Small Business Advantage Grant provides 50% matching grants, up to a maximum of $5,000 to enable Pennsylvania small businesses to purchase energy efficient or pollution prevention equipment, or adopt waste reduction processes.




Pennsylvania-based businesses with 100 or fewer full-time employees are eligible. Eligible applications are considered on a first-come, first-served basis, and must save the small business a minimum of $500 and at least 25% annually in energy consumption or pollution prevention related expenses (Natural Resource Protection projects are exempt).


A payment that requires some percentage of matching contributions by the recipient.

Cost Share

- 2021 Small Business Advantage Grant Guidance
- 2021 Grant Calculator
- On-Line Application (opens DCED's Single Application for Assistance)
- Landowner Consent Form
- Change of Scope Form
- One-Year Follow-Up Form


Waste & Manure Management

Solar Power

Wind Energy

Hydro Power

Biofuel

Program is open until funds are exhausted.

The grantee will be reimbursed up to 50% of the total eligible project costs. If the project is financed through a lease arrangement which does not end in the grantee owning the equipment outright or for a token purchase amount, the grantee will only be reimbursed for 50% of the amount paid through June 30, 2021. 

Payment will be made to the grantee generally within 45 days of receipt of a fully completed and approved PCRR. DEP may decline to pay the final invoice if it is received more than 30 days after project completion date. The grant may be closed and all funds liquidated.

Applications are accepted on an ongoing basis. Please contact your local state office for additional information and to apply for the Rural Microentrepreneur Assistance Program.

This program provides loans and grants to Microenterprise Development Organizations (MDOs) to:

- Help microenterprises startup and growth through a Rural Microloan Revolving Fund.

- Provide training and technical assistance to microloan borrowers and micro entrepreneurs.



This program provides loans and grants to Microenterprise Development Organizations (MDOs) to:
- Help microenterprises startup and growth through a Rural Microloan Revolving Fund.
- Provide training and technical assistance to microloan borrowers and micro entrepreneurs.

Who may apply for this program?

The following are eligible to be a Microenterprise Development Organization:
- Nonprofits.
- Federally-recognized tribes.
- Institutions of higher education.

The following are eligible to apply for a loan from the MDO as an ultimate recipient:
- Businesses located in an eligible area with 10 or fewer full-time employees.

What is an eligible area?
- Rural areas outside a city or town with a population of fewer than 50,000 residents. Urbanized areas near a city of 50,000 or more may not be eligible.
- The borrower’s headquarters may be based within a larger city so long as the project service area is located in an eligible rural area.
- The lender may be located anywhere.

Check eligible addresses for Business Programs.

Are there other requirements?

Microenterprise Development Organizations must demonstrate experience in managing a Revolving Loan Fund, or:
- Certify that it or its employees have received education and training from a qualified microenterprise development training entity so that the applicant has the capacity to manage such a revolving loan fund.
- Demonstrate that it is actively and successfully participating as an intermediary lender in good standing under the U.S. Small Business Administration (SBA) Microloan Program or other similar loan programs as determined by the Administrator.

Español

Native Americans

People Of Color

Women

What kind of funding is available? 
- Grants are available to provide technical assistance to rural micro-entrepreneurs or microenterprises, up to $205,000 annually. Funding at the requested level is not guaranteed, and at least 15 percent matching funds are required.
- Loans of $50,000 to $500,000 may be used for establishing a Rural Microloan Revolving Fund managed by the Microenterprise Development Organization. Total aggregate debt is capped at $2.5 million.

What are the loan terms?
- Maximum term is 20 years.
- Two-year payment deferral.
- Must establish a loan loss reserve fund.

What terms are required on loans to ultimate recipients?
- Up to $50,000.
- Fixed interest rate.
- Limited to 75 percent of project cost.

How may the funds be used?

Microlenders may make microloans for qualified business activities and expenses including, but not limited to:
- Working capital.
- Debt refinancing.
- Purchasing equipment and supplies.
- Improving real estate.

Lender Match is a free online tool that connects small businesses with SBA-approved CDFIs and small lenders. Do not use if looking for Disaster loans. See this link: https://www.sba.gov/funding-programs/loans/lender-match.

The SBA works with lenders to provide loans to small businesses. The agency doesn’t lend money directly to small business owners. Instead, it sets guidelines for loans made by its partnering lenders, community development organizations, and micro-lending institutions. The SBA reduces risk for lenders and makes it easier for them to access capital. That makes it easier for small businesses to get loans.



Please contact your local NRCS service center to apply.

The purpose of the Small Ruminant Farmer Initiative (SRFI) is to improve technical service and program participation in all USDA programs through improved outreach efforts to small ruminant farmers. Ruminants are characterized by their "four" stomachs and "cud-chewing" behavior. The cud is a food bolus that has been regurgitated. There are about 150 different domestic and wild ruminant species including sheep, goats, and red deer. Ruminant animals are further classified by foraging behavior: grazers, browsers, or intermediate grazers. Grazers, such as goats and sheep, consume mostly lower quality grasses while browsers such as deer stay in the woods and eat highly nutritious twigs and shrubs.


We must allow small ruminant farmers to select eligible NRCS practices that are best suited for their particular operations while at the same time low enough in cost to be effective and practical for small ruminant farmer operations to implement and maintain.


In developing and implementing this outreach initiative in Mississippi, NRCS technical practices and programs will help break through potential barriers to participation in USDA programs by small ruminant farmers.



The purpose of the Small Ruminant Farmer Initiative (SRFI) is to improve technical service and program participation in all USDA programs through improved outreach efforts to small ruminant farmers. Ruminants are characterized by their "four" stomachs and "cud-chewing" behavior. The cud is a food bolus that has been regurgitated. There are about 150 different domestic and wild ruminant species including sheep, goats, and red deer. Ruminant animals are further classified by foraging behavior: grazers, browsers, or intermediate grazers. Grazers, such as goats and sheep, consume mostly lower quality grasses while browsers such as deer stay in the woods and eat highly nutritious twigs and shrubs.

We must allow small ruminant farmers to select eligible NRCS practices that are best suited for their particular operations while at the same time low enough in cost to be effective and practical for small ruminant farmer operations to implement and maintain.

In developing and implementing this outreach initiative in Mississippi, NRCS technical practices and programs will help break through potential barriers to participation in USDA programs by small ruminant farmers.

The target audience is defined as any small farm that meets the USDA definition that states a farm with less than $250,000 a year in sales. All Small Ruminant Farmer Initiative funds will be used to help farms with less than $250,000 a year in sales.

Eligible land is pastureland /cut-over or abandoned areas as well as converted cropland. Incidental wooded/cut over areas are eligible when existing vegetation will support grazing/browsing animals.

To be eligible small ruminants must already to present. Small ruminant species targeted for this program are sheep, goats, and red deer. Other species may be eligible based upon circumstances approved by the area office.

All applicants must be willing to follow a prescribed grazing plan, when acceptable.

All participants must be registered in the Service Center Information Management System (SCIMS) or grant permission to be registered in SCIMS.

Existing field office technical standards are available to accomplish conservation planning for this small ruminant farmer initiative. 

As needed, NRCS will develop and apply innovative and cost effective technical standards according to policy and place in the field office technical guide.

General practice planning guidelines: To be eligible for fencing, livestock must already be present.

Goats

Deer

Pigs

Bucks

Slaughter Goats

Nannies

Rams

Ducks

Geese

Caribou

Equine

Guinea Pigs

Mink

Ostrich

Pheasants

Quail

Rabbits

Water Buffalo

Alpacas

Beefalo

Emus

Llamas

Mohair

Reindeer

Bison

Buffalo

Turkey

Barrows

Boars

Sows

Hogs

Feeder Pigs

Ducklings

Goslings

Horses

Poults

Toms

Specialty Livestock

Ineligible Practices
1. Ineligible practices are those - In which the purpose is to enhance production without providing an identifiable conservation benefit or addressing a natural resource concern.
    a. Examples include - Water Well (642) used to bring new land under irrigation into a grazing system is an ineligible practice.
    b. Exception: Water Well (642) installed for irrigation livestock water is eligible- If current water sources are inadequate used to increase efficiency of and for the existing irrigation system. If the producer is participating in an approved watershed-wide project that will effectively conserve water.
2. Fence (382) or Access Control (472) is ineligible if the primary purpose is to - Separate ownership or exclude livestock from transportation networks or residential, commercial, or industrial areas. Exclude deer, hogs, or other wild animals from cropland.  
    a. Exception: Boundary fence (property line fence) or perimeter fence is eligible:
        i. On expired or expiring conservation Reserve Program (CRP) land to establish a grazing operation; however, the practice may not be installed until the CRP contract has expired.
        ii. On land to protect, restore, develop or enhance habitat for wildlife or to exclude livestock from an environmentally sensitive area, such as a riparian are or wetland.
        iii. On land where the fence is an integral part of a conservation management system, such as a planned grazing system that facilitates improved management of grazing land.
    b. Cross-fencing for existing fields is still an eligible practice for small ruminant farmers.
3. Brush Management (314) - Under the Small Ruminant Farmer Initiative, biological and mechanical (clipping/bush hogging) are the only two eligible scenarios. (Heavy equipment (dozer) removal of woody vegetation is not eligible in this initiative.)

It is very important that NRCS does not allow vendor payments and the cash flow of small ruminant farmers to become a barrier to applying practices to the land. NRCS may assist participants in completing and using the CC-36 Form, Assignment of Payment, to work with farmers in paying for conservation work and services provided under the small ruminant farmers program contracts. This tool has been used in the past and is still being used by the Farm Service Agency.

View the application questions and complete your application online at this portal.

The Agricultural Enterprise Fund (AEF) is an incentive program that supports Governor Lee’s priority of job creation and economic development by facilitating agricultural development in Tennessee. It is administered by the Department of Agriculture in conjunction with the Department of Economic and Community Development.

The AEF awards grants to starting or expanding agricultural, food, and forestry businesses; nonprofits, local governments, and other entities in Tennessee, or those whose project will be located in Tennessee. The program focuses on value-added and processing projects that benefit other producers or forest landowners. **Farming projects such as livestock, row crop, or horticulture production expansions will not be competitive, but may be supported through the [Tennessee Agricultural Enhancement Program (TAEP)](https://ambrook.com/funding/tennessee-agricultural-enhancement-program).**

Successful grant recipients must demonstrate a strong potential for impact on local farm income, access to markets, increased capacity or agricultural innovation. Priority will be given to businesses located in at-risk counties, distressed counties, and counties adjoining at-risk or distressed counties, and the AEF selection process is competitive.



The Agricultural Enterprise Fund (AEF) is an incentive program that supports Governor Lee’s priority of job creation and economic development by facilitating agricultural development in Tennessee. It is administered by the Department of Agriculture in conjunction with the Department of Economic and Community Development.
The AEF awards grants to starting or expanding agricultural, food, and forestry businesses; nonprofits, local governments, and other entities in Tennessee, or those whose project will be located in Tennessee. The program focuses on value-added and processing projects that benefit other producers or forest landowners. Farming projects such as livestock, row crop, or horticulture production expansions will not be competitive, but may be supported through the Tennessee Agricultural Enhancement Program (TAEP).
Successful grant recipients must demonstrate a strong potential for impact on local farm income, access to markets, increased capacity or agricultural innovation. Priority will be given to businesses located in at-risk counties, distressed counties, and counties adjoining at-risk or distressed counties, and the AEF selection process is competitive.

Applicant Requirements
- Applicants must be a Tennessee entity (i.e. agriculture, food, or forestry business, farmer, local government, or nonprofit in Tennessee) or have a project based in Tennessee.
- Applicants must demonstrate that their project will increase farm income for local farmers, enhance access to agricultural markets, increase capacity of their business, or contribute to the agriculture industry through innovation.
- Applicants must be making an investment into the project. AEF funds may not be more than 25% of the project’s total budget.
- Applicants must submit project updates to measure impact of the grant on the applicant as well as the local economy, and agree to work with the Department of Agriculture to track success of the project.
- Applicants may not submit proposals that will result in relocation of a facility from one place in Tennessee to another.
- Applicants must purchase at least 25% of any agricultural inputs from Tennessee producers. This requirement may be relaxed when compliance would be impracticable – i.e. in times of drought, disease, etc.
Project Requirements
Projects funded by the Agricultural Enterprise Fund must match the description of at least one of the following four categories. Many projects will potentially match the description of more than one category and applicants should indicate so on their application.
- Increase in Farm Income - This category includes projects that will increase farm income by offering farmers higher commodity prices than other markets, processing value-added products for farmers, or allowing a single farmer to add value to their own farm products.
- Increased Access to Markets - This category includes projects that will create or expand a market for Tennessee farmers or forest landowners, including reducing miles that farmers must transport their products to market or creating a new market entirely. 
- Increased Capacity - This category includes projects that will expand the capacity of an existing agricultural, food, or forestry business, including their production or processing capacity or the number of employees.
- Agricultural Innovation - This category is appropriate for entrepreneurs who wish to market a new technological innovation with the potential to impact Tennessee agriculture or the forestry industry by creating efficiencies in production, reducing costs, etc.

- Application Scoring
- Metrics
- Frequently Asked Questions

To apply, potential applicants must first fill out the Loan Inquiry Form﻿﻿.

The application deadline is always the first of the month or the next business day if the first is a weekend or holiday.

Dorothy Suput

Jeff Cole

The Carrot Project’s loan programs are available for businesses in Massachusetts, Rhode Island, and Connecticut.

 

Capital or operating loans of $5,000-$50,000 are available to farm, forestry and fishery businesses, and to processing, distribution and storage enterprises that use any type of local agricultural product.

 

Loans are available for businesses that may not be able to obtain financing elsewhere, including startups and farms in the first few years of operation. Those who already have a business plan are ideally suited to apply. We offer guidance on when and how to apply for financing, as well as assistance with loan applications, and connection to lenders that lend up to $250,000.



The Carrot Project’s loan programs are available for businesses in Massachusetts, Rhode Island, and Connecticut.
 
Capital or operating loans of $5,000-$50,000 are available to farm, forestry and fishery businesses, and to processing, distribution and storage enterprises that use any type of local agricultural product.
 
Loans are available for businesses that may not be able to obtain financing elsewhere, including startups and farms in the first few years of operation. Those who already have a business plan are ideally suited to apply. We offer guidance on when and how to apply for financing, as well as assistance with loan applications, and connection to lenders that lend up to $250,000.

Eligible Borrowers

Farms: 
- Annual gross annual revenues of $499,999 or less.
- Applicants must be engaged in cultivation of farm, forest or aquatic products or adding value to such products.
- Farm property must be owned or leased by the applicant(s); leases should be in effect for at least the repayment period of the loan.

Food Enterprises: 
- Must be involved in processing, storage or distribution of agricultural products. Businesses whose primary purpose is to process, add value to, store, or act as distributors for local agricultural products are eligible. For example: agricultural co-ops, co-packers, food hubs, produce delivery companies, cheese makers, butcher shops and farm stands are eligible when distributing or adding value to local products.
- The sources of the ingredients or materials from which the product is produced are primarily within Massachusetts and/or nearby states, although the points of sale need not be within this region.
- The business must have less than 50 employees.
- Agricultural industry support services such as veterinarians, feed & fertilizer stores, general retail outlets, or any business whose product is not primarily local & agricultural are not eligible.

- Borrower’s Financial Glossary (Download .pdf)
- Yearly Financial Statements Template (Download .xlsx) 
- Monthly Financial Statements Template (Download .xlsx) 
- Sample Business Plan and Financial Statements (Download .pdf)

Loan Terms for MA
- Loans from $5,000 to $50,000 available
- The interest rate is approximately 6-7% (subject to change)
- Flexible loan terms from 1-7 years. There is no penalty for early payment.
- Funds may be used for operating or capital expenses. If a loan is used for fixed assets, inventory or receivables, the purchased items will be used as collateral to secure the loan.

Loan Terms for RI and CT
- Loans of up to $250,000 are available.
- The interest rate is approximately 6-7% (subject to change)
- Flexible loan terms from 1-7 years. There is no penalty for early payment.
- Funds may be used for operating or capital expenses. If a loan is used for fixed assets, inventory or receivables, the purchased items will be used as collateral to secure the loan.

To apply for a grant, you will need to do so through a partner. 
You can find a partner by language or by county. Select a partner and follow the prompts to log into their portal and submit the required documents.
- You may select any Partner that serves your area. Each county and all languages will have at least one Partner from which businesses can choose to apply. Some counties and languages will have more options than others. 
- You can select the one that you think best fits your needs, as they can also provide other financing assistance for you, like working capital loans, equipment loans, as well as technical assistance to help you and your business.
- See the Application Guide for step-by-step screenshots of the process.

Necessary documents:
1. Application Certification: Signed certification used to certify your business
2. Business Financial Information:
    a. Most recent tax return filed (2019) – provided in an electronic form for online upload, such as PDF/JPEG or other approved upload format.
    b. Copy of official filing with the California Secretary of State, if applicable, or local municipality for the business such as one of the following: Articles of Incorporation, Certificate of Organization, Fictitious Name of Registration or Government-Issued Business License.
3. Government Issued Photo ID: Such as a Driver’s License or Passport
4. Acceptable evidence of minimum gross annual revenue of no less than $1,000 per year. 

One complete application will qualify you to be considered for all applicable rounds, please only apply once.
Applying through multiple organizations will delay your application from being processed.
Owners of multiple businesses, franchises, locations, etc. will be considered for only one grant and are required to apply for the business with the highest revenue.

How will grant recipients be determined?
First, applications will be reviewed to determine whether the applicant meets the eligibility requirements. Eligible businesses will then be scored based on COVID-19 impact factors incorporated into the Program’s priority criteria so that distribution can take into account priority key factors, including the following:
1. Geographic distribution based on COVID-19 health and safety restrictions following California’s Blueprint for a Safer Economy and county status and the new Regional Stay At Home Order;
2. Industry sectors most impacted by the pandemic; and
3. Underserved small business groups served by the State supported network of small business centers (i.e., businesses majority owned and run on a daily basis by women, minorities/persons of color, veterans and businesses located in low-to-moderate income and rural communities). 


The State of California is offering relief grants to help small businesses and nonprofits, including farms, impacted by COVID-19. Grants range from $5,000 to $25,000 per business and can be used to cover a wide range of expenses incurred as a result of the pandemic. Grants do not need to be repaid.


$475 million of funding administered by the California Office of the Small Business Advocate will be distributed by Lendistry as the Intermediary, with certain third-parties designated by Lendistry to provide additional support (“Partners”).	


Update as of 9/9/2021: reopened for round 9 of funding. New applicants may apply and previous applicants waitlisted or not selected will be automatically re-entered for consideration. 



The State of California is offering relief grants to help small businesses and nonprofits, including farms, impacted by COVID-19. Grants range from $5,000 to $25,000 per business and can be used to cover a wide range of expenses incurred as a result of the pandemic. Grants do not need to be repaid.

$475 million of funding administered by the California Office of the Small Business Advocate will be distributed by Lendistry as the Intermediary, with certain third-parties designated by Lendistry to provide additional support (“Partners”).	

Update as of 9/9/2021: reopened for round 9 of funding. New applicants may apply and previous applicants waitlisted or not selected will be automatically re-entered for consideration. 

A small business or small nonprofit must satisfy the following criteria to be eligible to receive a grant award:
1. Must meet the definition of an “eligible small business”. An “eligible small business” means (i) a “small business” (sole proprietor, independent contractor, 1099 work, and or registered “for-profit” business entity (e.g., C-corporation, S-corporation, limited liability company, partnership) that has yearly gross revenue of $2.5 million or less (but at least $1,000 in yearly gross revenue) based on most recently filed tax return) or (ii) a “small nonprofit” (registered 501(c)(3), 501(c)(19), or 501(c)(6) nonprofit entity having yearly gross revenue of $2.5 million or less (but at least $1,000 in yearly gross revenue) based on most recently filed Form 990)
2. Active businesses or nonprofits operating since at least June 1, 2019
3. Businesses must currently be operating or have a clear plan to re-open once the State of California permits re-opening of the business
4. Business must be impacted by COVID-19 and the health and safety restrictions such as business interruptions or business closures incurred as a result of the COVID-19 pandemic
5. Business must be able to provide organizing documents including 2018 or 2019 tax returns or Form 990s, copy of official filing with the California Secretary of State, if applicable, or local municipality for the business such as one of the following: Articles of Incorporation, Certificate of Organization, Fictitious Name of Registration or Government-Issued Business License
6. Business must be able to provide acceptable form of government-issued photo ID
7. Applicants with multiple business entities, franchises, locations, etc. are not eligible for multiple grants and are only allowed to apply once using their eligible small business with the highest revenue

Ineligible Businesses
1. Businesses without a physical location in California 
2. Nonprofit businesses not registered as either a 501(c)(3), 501(c)(19), or 501(c)(6) 
3. Government entities (other than Native American tribes) or elected official offices
4. Businesses primarily engaged in political or lobbying activities (regardless of whether such entities qualify as a 501(c)(3), 501(c)(19), or 501(c)(6)) 
5. Passive businesses, investment companies and investors who file a Schedule E on their personal tax returns 
6. Churches and other religious institutions (regardless of whether such entities qualify as a 501(c)(3), 501(c)(19), or 501(c)(6)) 
7. Financial businesses primarily engaged in the business of lending, such as banks, finance companies and factoring companies
8. Businesses engaged in any activity that is illegal under federal, state or local law
9. Businesses of a prurient sexual nature, including businesses which present live performances of a prurient sexual nature and businesses which derive directly or indirectly more than de minimis gross revenue through the sale of products or services, or the presentation of any depictions or displays, of a prurient sexual nature
10. Businesses engaged in any socially undesirable activity or activity that may be considered predatory in nature such as rent-to-own businesses and check cashing businesses
11. Businesses that restrict patronage for any reason other than capacity
12. Speculative businesses
13. Businesses of which any owner of greater than 10% of the equity interest in it (i) has within the prior three-years been convicted of or had a civil judgment rendered against such owner, or has had commenced any form of parole or probation (including probation before judgment), for commission of fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a public (federal, state or local) transaction or contract under a public transaction; violation of federal or state anti-trust or procurement statutes or commission of embezzlement, theft, forgery, bribery, falsification or destruction of records, making false statements, or receiving stolen property, or (ii) is presently indicted for or otherwise criminally or civilly charged by a government entity, (federal, state or local) with commission of any of the offenses enumerated in subparagraph (i) above 
14. “Affiliated” companies (as such term is defined in 13 C.F.R. § 121.103)
15. Multiple business entities, franchises, locations, etc. are not eligible for multiple grants and are only allowed to apply once using their eligible small business with the highest revenue

- Application Guide
- Application Certification for For-Profit Businesses
- Application Certification for Non-Profits
- Frequently Asked Questions
- Webinars
- Application Tips

The amount of grant funding ranges from $5,000 to $25,000. Businesses are eligible based on their annual revenue as documented in their most recent tax return:
- $1,000 to $100,000 Annual Revenue: $5,000 Grant Amount Available Per Business
- Greater than $100,000 up to $1,000,000	Annual Revenue: $15,000 Grant Amount Available Per Business
- Greater than $1,000,000 up to $2,500,000 Annual Revenue: $25,000 Grant Amount Available Per Business

Fill out the application which includes:
- Project description
- Budget Estimate

And submit via email to agr.marketing@ky.gov

The Kentucky Department of Agriculture (KDA) was recently awarded a Farm and Ranch Staff Assistance Network (FRSAN) grant from the USDA. Part of the grant is to award projects that support community-based farmer appreciation programs that will promote the many contributions of farmers, their families and to appreciate the various challenges farmers face working in agriculture.

$75,000 is available for small grants, up to $5,000 each, to be awarded to create and conduct local projects to show appreciation for farmers and their families. 



The Kentucky Department of Agriculture (KDA) was recently awarded a Farm and Ranch Staff Assistance Network (FRSAN) grant from the USDA. Part of the grant is to award projects that support community-based farmer appreciation programs that will promote the many contributions of farmers, their families and to appreciate the various challenges farmers face working in agriculture.
$75,000 is available for small grants, up to $5,000 each, to be awarded to create and conduct local projects to show appreciation for farmers and their families. 

The proposed projects will be reviewed by a committee with direct knowledge of the proposed program content through personal operations, education and/or on-the-job field experience, and select the recipients. 

List of Agricultural Funding for Small Producers