There is no federal grant money for individual business owners.

Are there any loans for startup businesses?

Yes, but on a limited basis.

How do I get a loan from the SBA?

Apply for a business loan at your bank. If financing is unavailable on reasonable terms from the lender, ask the bank to submit your loan application to the SBA for consideration. In partnership with your local bank, the SBA may offer a government guarantee of a loan to be made by that lender. Most small businesses are eligible and nearly all banks participate with the SBA. SBA programs are especially valuable for new business startups and instances where collateral is weak and/or a longer repayment term is needed. The SBA loan application package can be as simple as a one-page form, and loans can be approved in 1-7 days. Credit-worthy potential small business owners and existing small businesses who require capital to start or expand their small businesses may find that the SBA's financial assistance programs can help them secure the financing that they need. The SBA has no funding for direct loans. For information on SBA loan programs, contact the SBA Office closest to you or call the SBA Answer Desk at 1-800-8-ASK-SBA.