Are you looking to get a loan but cannot seem to find a lender willing to take on your project? As a small business or an individual seeking a loan you may be surprised to learn that there are thousands of non-profit organizations around the world that help in various ways, including grants and loans to those that qualify.
Getting a Grant
The first type of money disbursement is called a grant. When a non-profit organization develops a grant procedure it is to 
enable helping people in certain situations. Although these grants are designed for specific instances of need, there are so many non-profit organizations that there is probably a grant for your situation. A grant is money or a voucher to help you pay for a product or service without having to repay the money. You get money for free. You simply need to apply and meet the organization’s qualifying criteria.
There are many different types of grant for different purposes. There are many grants for low income families that help pay for everything from housing, food, public transportation to holidays for the disabled, home improvement, catching up on utility arrears and even music grants for children to learn a musical instrument. Grants are also given out by the government to aid families for similar situations, especially for food and shelter for low income families. However, governments also provide some of the largest grants for post-secondary education to allow underprivileged children the chance to attend college or university.
Microloans
Instead of heading to a bank or business lender for microloans you may be able to reach out to a number of non-profit organizations or government departments to access low interest and easy payment loans. These organizations make their loans accessible to low income families and individuals and for certain situations. These loans include for home renovations for people with disabilities, retrofitting your home with energy efficient appliances, windows and insulation, small business startup capital and even startup cash for furniture for a new home.
These sources of funding are much more forgiving with lower rates than a typical financial institution or payday loan businesses would be. There are also a number of online microloan companies that connect small business entrepreneurs directly with lenders globally. These loans are targeted to developing country entrepreneurs seeking to improve their lifestyle with farm implements, better grocery store offerings and many others.
You can also find small crowdfunding online websites for business or personal loans that allow microloans for projects that you design. From art, home renovations to other specific targeted projects. The story of these programs helping out individuals all over the globe give credence to the internet as a great tool for helping empower lending change throughout the globe.
When you are looking for funds for almost any type of grant or loan, your first choice should always be a non-profit organization first. Their goal is to help those in need with the least amount of burden as possible. Governments and online crowdfunding sites should be your next choice.
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