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Rating: 
Level of Review:
Researched.
Overview:
Books on getting government grants or
loans.
Product:
They are selling a book, the product is
information.
Cost: $29.95
more or less.
Compensation:
The loan or grant you are supposed to be able
to get.
Conclusion:
Government grants and loans are real. The
fantasy that the book sellers perpetrate is not.
They make it sound like money is just laying
around, waiting for someone to sign their name to a
list to get it, as though not enough people are
asking because it is some big secret.
The truth is quite
a bit different.
First of all, you
have to QUALIFY. That means you have to be poor
enough to be deserving but have enough to
demonstrate responsibility or the ability to pay
back a loan. Or you have to fit certain industry or
minority criteria, etc.
Second, the
government awards grants through a non--profit
corporation or other government entity most of the
time. You cannot just apply and get it, you have to
get help from another agency.
Third, there is a
LOT of competition for grants. Corporations
hire professionals and pay big dollars for writing
grant proposals. Even if you write it well, someone
else is likely to beat you out.
Fourth, loans are
not given by the government. They are only insured
by the government. Regular banks and credit unions
actually loan you the money, and government insured
loans can have very stringent qualification
requirements. We were once turned down for a low
income housing loan because our income was too
low.
Fifth, you have to
have a purpose. Either you have an idea that needs
developed as a business, you have a product which
needs research, you have a city that requires
infrastructure updating, etc. You cannot just have
a car with a bad engine that you want repaired or
some other personal use for the money. Generally
grants or loans exist for only a few reasons - to
help you to improve your life (college grants,
mortgage loans, small business grants and loans,
etc), to help you to provide something of value to
the world (research grants, etc), or to provide
extra funds to cities, corporations, or schools for
similar purposes. You have to prove that you are
deserving of it to get it, and you have to provide
a reasonable assurance of a successful
outcome.
And Sixth, many grants and loans require "matching funds", from either other sources, or from you. And you'll have to document that you did with the money what you said you'd do with the money.
The government is
not just handing out money to anyone who asks.
Grant programs are administered through programs
which are highly competitive, and fairly
restrictive. There is no easy money.
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