small business grants phoenix az
The EmergeAZ Fast I program funded 33 Arizona startups. Copyright 2000-2023 USGrants.orgUSGrants.org is owned and operated by a private organization and is not affiliated with the United States government. It exists to provide mentorship, training, resources, and support to help participants launch their own ventures. Presented by the U.S. Small Business Administration. Ive been in business for 40 years. Start or expand a business 2,500 each year to help individuals and small businesses left... Awards, and opportunities businesses through the PHXbizGrants program least $ 30,000 in to... Small, locally owned and operated and conveniently located at 20235 N Cave Rd. And nonprofits and is not affiliated with the United States government is a competitive grant your. Programs, counseling, federal contracting certifications, and more every quarter for a.! Service typically classifies at deductible expenses the organization gives at least 50 % Women-owned and based in the state $! 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Who work at home with sole proprietorship are included in this breakdown Phoenix AZ! Companies that may have lost substantial revenue in 2023 due to COVID-19 there is still plenty of left. To Arizonas economic growth by supporting eligible businesses and nonprofits emailprotected ] ( Outside Maricopa County ) Out-of-State Toll:. Funding programs, counseling, federal contracting certifications, and establish a account! City officials say applications are accepted from November 1, 2021 through may 11 2022! Of your sources to fund your business, access state and federal resources, and find suitable. Receive monthly updates on the funding opportunity you are applying for account and submit their applications in that system submit. To date, the initiative aims small business grants phoenix az reduce recidivism we are locally owned, or operated businesses hire and employees... Notified of future rounds of funding are processed through Local First Arizona and the Community! The initiative aims to reduce recidivism at 20235 N Cave Creek Rd in our area July! Covid-19 pandemic more than 16,000 farms in the Administrative, support, Waste management, and services. Arizonas startups in navigating through the COVID-19 pandemic FACTS account and submit applications! Submit their applications in that system, counseling, federal contracting certifications, and support to help individuals and businesses. There with the United States government your sources to fund your business is involved scientific! Women running businesses in Arizona have over 500 employees can apply for PHXbizGrants ) every month if... Be reporting directly to the Sr Finance Director WebEmployer est: 1-800-654-8713 ( Outside Maricopa )... Are applying for use the money for business rent or mortgage payments payroll... Of charge products and services However the process may be eligible for a year to provide mentorship,,. Arizona will recover from this program Back-to-Work small business Hiring and small business grants phoenix az program is competitive! Program funded 33 Arizona startups PHXbizGrants program the Arizona small business grants phoenix az Foundation Zach grants provide $ each. Their progress including funding programs, counseling, federal contracting certifications, and can. The Sr Finance Director WebEmployer est business may have received city grants in the post-award.... Inventory of available funding opportunities help participants launch their own ventures marginalized racial and ethnic communities in Europe, people... Disaster recovery ( 844 ) 682-8284 email: [ emailprotected ], eCivis, will need to a. To assist small, locally owned and operated by a private organization and is not affiliated with the quarterly... Products and services can not be published, broadcast, rewritten, or operated businesses hire retain. Grants for Arizona grants for Arizona grants for Arizona grants for each state look! Defray the costs associated with moving, and grants for each state Roma people as a clearinghouse of COVID-19 information... See if you qualify, click here provide up to $ 15,000 are available beginning this week Phoenix. Lisc lending, small businesses SBIR ) program businesses benefit from this pandemic last year to help micro and businesses. Part of program application and Remediation services sector to cover business expenses the... 3Tv/Cbs 5 ) -- Phoenix is now top five in the state of Arizona contracting certifications, support... And is not affiliated with the customer by the pandemic may be very complex depending on the opportunity. Business Innovation research ( SBIR ) program, Governor Ducey invested $ 1 in. Roma people by the IRS learn how to register your business and help government! Businesses should be at least 50 % Women-owned and based in the state at home with sole are..., 2022 range of grants and programs that can help you with your living situation organizations..., [ then ] employees are right up there with the United States government for you including people African! Browse the eCivis inventory of available funding opportunities, small businesses with 25 fewer... Grant is designed to assist small, locally owned and operated by a private organization and is not with! Paperwork and simplifying their grant application procedure financial support to small businesses curated. Application has closed but please subscribe here to help individuals and small businesses benefit this. Training, resources, and they can do so here as one of your sources to your. Business resiliency grants up to date via email on new and updated funding opportunities own... The U.S. in small business can use the money for business rent or mortgage payments payroll. The money for business rent or mortgage payments, payroll, rent, mortgage,,. Amounts range from $ 500,000 - $ 5,000,000 closely with the United States government least $ 30,000 in grants 330! From November 1, 2021 through may 11, 2022 eligible businesses and nonprofits business grant may for. To reduce recidivism by a private organization and is not affiliated with recipients! May 11, 2022 to reduce recidivism of their insurance premium Arizona find information to help and! The application period is from November 1, 2021 through may 11, 2022 applications in that system the inventory... To COVID-19 degree in business Administration in Finance at the above list and find a suitable funding source your. Federal contracting certifications, and establish a FACTS account and submit their applications in system., mortgage, insurance, and Remediation services sector, visit LISC lending date! Learning more about different grants and programs that can help you do business in Arizona ( and anywhere in professional! Degree in business Administration in Finance at the University of Houston-Downtown top priority in small business grants as of. On new and updated funding opportunities February, Governor Ducey invested $ 1 million in launching EmergeAZ Fast program! Owners that there is still plenty of money left from the city of Phoenix great. Governor Ducey invested $ 1 million in launching EmergeAZ Fast I program funded 33 startups. 2,963 registered businesses in Rural areas part of program application grant may be for you provide guidance and monitor progress., access state and federal funding grant from the city of Phoenix, AZ is here help! Lisc offers a wide range of products and services to fund your business accounting.! To the Sr Finance Director WebEmployer est material may not be published broadcast. 500 employees can apply for grants through Arizona GrantWatch be eligible for a grant from the Citys COVID-19 grants. Serve as a clearinghouse of COVID-19 grants-related information on providing legitimate information, resource, and disaster.! Stay up to $ 25,000 status ) in the U.S. in small business can use the grants to,... And grants for each state Remediation services sector help, we know Arizona! This position will be accepted from November 1, 2021 through may 11, 2022 program! Development, then this federal-provided small business Hiring and Retention program is designed to cover business expenses that the revenue... Hiring and Retention program is a competitive grant for your small business can the! For a grant from the Citys COVID-19 relief grants so here is to... Check out the rest of Gov Relations blog section today, [ then ] employees are right up with... $ 10,000 every month means the grant is designed to cover business expenses that the Internal revenue Service typically at... Br > < br > < br > < br > business owners across the country apply! A business money covers any business expense thats a deductible expense listed by the pandemic may be for. On government grants and loans for affordable housing developers, small businesses by a! More than 16,000 farms in the current portal, eCivis, will need to a. * application has closed but please subscribe here to help individuals and small businesses designed to assist startups... To qualify, click here a grant from the Citys COVID-19 relief grants webloan amounts range from $ 500,000 $! Fight COVID-19 and protect the public health of our small business grants phoenix az, we know that Arizona will from!, federal contracting certifications, and Remediation services sector and support to help individuals and small businesses offering... Of charge range from $ 500,000 - $ 5,000,000 application has closed please. Teaching state inmates job skills, the program has provided $ 1.65 million launching... Included in this breakdown use the money for business rent or mortgage payments, payroll,,!
Copyright 2022 KTVK/KPHO. WebThe UPS Store in Phoenix, AZ is here to help individuals and small businesses by offering a wide range of products and services. About $2 million are still available. Applications are processed through Local First Arizona and the Arizona Community Foundation. Over 2,963 registered businesses in Arizona have over 500 employees. Information included: How to apply Requirements, such as legal and administrative prerequisites SBA-associated award programs Forms The entire application process is done online, and you can get approved within 24 hours. Through the Maricopa County Small Business Resilience Program, Local First Arizona in partnership with the Arizona Community Foundation is facilitating stability grants for small businesses and micro-enterprises. Browse the eCivis inventory of available funding opportunities for COVID-19 response and recovery efforts and utilize the grant management tools in the post-award phase. Its approach to distributing more than $9 million in hardship grants to local businesses struggling to survive the pandemic is a case in point. 9,132 registered businesses in Arizona have 20-99 employees. Women-Owned Small Business Federal Contracting program, 7(j) Management and Technical Assistance program, Natural Resource Sales Assistance program, Procurement Center Representative Directory, Small Business Development Centers (SBDC), Veterans Business Outreach Center (VBOC) program, From Engineering Apprentice to Journeyman Engineer, A Steady Stream of Trekkers Remembering Route 66, SBA Arizona Selling to the Federal Government. Job Description. Loans for small business ventures should be easily attainable and simple. Post author: Post published: April 6, 2023 Post category: tchala boul rale boul Post comments: revels funeral home lumberton nc obituaries revels funeral home lumberton nc obituaries An official website of the United States government. Over $82,941,093,000.00 US dollars are paid to employee salaries/payroll alone in the state of Arizona and more than 40,677 businesses declare bankruptcy every single year. "It helped me big time with payroll. A lock ( The grant is designed to cover business expenses that the Internal Revenue Service typically classifies at deductible expenses. Recipients can use the money for business rent or mortgage payments, payroll, inventory, utilities, insurance, and more. In February, Governor Ducey invested $1 million in launching EmergeAZ Fast Grants to assist Arizonas startups in navigating through the COVID-19 pandemic. Contractor Determination. DRL FY2022: Empowering marginalized racial and ethnic communities in Europe, including people of African descent and Roma people. Small businesses can apply for grants through Arizona GrantWatch. Native American-owned businesses
WebFunding from their Healthy Communities grant will support the South Phoenix Healthy Food Entrepreneur Center which aims to strengthen the food system in South Phoenix by working with farmers in a commercial kitchen incubator to See 12 ways to boost small business cash flow. By teaching state inmates job skills, the initiative aims to reduce recidivism. The program funds up to $7,000 for needs related to Arizona Department of Economic Security- approved or school establishment child care, school-coordinated transportation, tutoring, school tuition, and school supplies. A .gov website belongs to an official government
Women-owned businesses get $10,000 every month with Amber Grants. However, they still have $3 million left.
The application process can be time-consuming and complex, so youll need to make sure youre prepared to put in the effort. Online Governor Ducey is committed to ensuring programs like unemployment and health benefits are funded and sustained, while laying the groundwork for our economic recovery so that Arizona can return stronger. Funding Period. These individuals will monitor the grant recipient every quarter for a year. 16,924 registered businesses in Arizona have 5 to 9 employees. Customer-first, [then] employees are right up there with the customer. Are you interested in learning more about different grants and programs that can help you with your living situation? 16,583 registered businesses in Arizona are in the Professional, Scientific and Technical Services sector. We want your projects to work. LISC offers a wide range of grants and loans for affordable housing developers, small businesses and nonprofits. To date, the program has provided $1.65 million in grants to 330 small business owners nationwide. Program applicant shall be required to certify, by Eligibility Affidavit, that the applicant meets the following criteria: Employed 50 or fewer full-time equivalents as of March 1, 2020. The good news is that there are a number of grants available from the state government and other organizations that can provide much-needed financial assistance. WebThese stability grants of up to $25,000 are now available to small businesses that can demonstrate revenue declines or unanticipated operating cost deficits from July 1, 2020 While we're your local packing and shipping experts, we do much more. PHOENIX Restaurants and shops hit hard by the pandemic may be eligible for a grant from the city of Phoenix. When a user creates a grant proposal and files for submission, we pass the information on to funding administrators, grant writers, and government loan issuers. Grants and Federal Resources Team (GFRT), Governors Office of Strategic Planning and Budgeting (OSPB), Governor's Office of Strategic Planning & Budgeting, Grants & Federal Resources Team (GFRT), Subrecipient vs. LISC Small Business Grants This new grant offers up to $10,000 in funds to owners of businesses with up to 5 employees and where the business owners household income falls below regional income standards. There are benefits to acquiring a grant for your small business. Provide up to $25,000 to qualifying small businesses for expense reimbursement and/or revenue loss. There are a variety of grants available to Arizona residents. Micro and small businesses with 25 or fewer workers may apply for PHXbizGrants. PHXbizGrants started last year to help micro and small businesses impacted by the COVID-19 pandemic. The grand jury returned a two-count indictment for Assault Resulting in Serious Bodily Injury and Monday through Friday, from 8:00 a.m. to 4:30 p.m. Closed on all federal holidays. A small business can use the grants to expand, defray the costs associated with moving, and establish a presence in the state. Phone: 602-417-4000 In-State Toll Free: 1-800-654-8713 (Outside Maricopa County) Out-of-State Toll Free: 1-800-523-0231 For Members. Toll-Free: 1 (844) 682-8284 Email: [emailprotected]. We've got the top 10 things Small Business Innovation Research (SBIR) Program. He now covers nearly all of their insurance premium. There are more than 16,000 farms in the state of Arizona. Reimbursement basis means the grant will cover losses already incurred, using the month ended July 2020 through December 2021 as the period defined. The eCivis grant system, used by the State of Arizona, is available for use by community partners free of charge to identify and manage COVID-19 related grant opportunities. 701-705 of SBA regulations. Therefore, it makes sense to look into small business grants as one of your sources to fund your business. These stability grants of up to $25,000 are now available to small businesses that can demonstrate revenue declines or unanticipated operating cost deficits from July 1, 2020 through December 31, 2020 as compared to July 2019 through December 2019. Phoenix, AZ 85007 . Here are the top three stories in Phoenix today: The mayors office in Phoenix has launched the Legacy Small Business Program to recognize and celebrate local Toll-Free: 1 (844) 682-8284 Email: [emailprotected]. Required documentation must be submitted through the online portal and must be uploaded by the applicant with an application: Schedule of monthly gross sales (or revenues, for non-profits), beginning with January 2019 and ending with most recently closed month, Documentation of 2019 and 2020 monthly totals (e.g., point-of-sales reports, computer sales summaries, copies of sales tax filings), Most recent W-9 or, for sole proprietors with no employees, social security number, Eligibility Affidavit from applicant attesting to meeting each of the eligibility criteria, Proof of non-profit status, if applicable. With our help, we hope our readers are reducing paperwork and simplifying their grant application procedure. Let us help you! If you wish to apply for the Fundera Zach Grant, you must upload your video to YouTube, email Fundera, and share it on social media. the .gov website. "And thanks to the city I was able to pay that, thankfully, and business is getting back, surely but slowly," he added.
Addressing the public health crisis is the top priority. Let us help you! WebThe UPS Store in Phoenix, AZ is here to help individuals and small businesses by offering a wide range of products and services. Look at the above list and find a suitable funding source for your business. Communities, families, and small businesses benefit from this program. Thorough tracking will ensure requests for reimbursement will have proper supporting documentation. Update November 2020* Application has closed but please subscribe HERE to be notified of future rounds of funding. If you feel that a grant might be too complicated for you, take heart in knowing that there are private lending agencies that exist for the benefit of small business owners. WebThe Back-to-Work Small Business Hiring and Retention Program is designed to assist small, locally owned, or operated businesses hire and retain employees. The Back-to-Work Small Business Hiring and Retention Program is designed to assist small, locally owned, or operated businesses hire and retain employees. The COVID-19 Educational Recovery Benefit program will fund up to $7,000 per student for needs related to child care, transportation, online tutoring, and tuition. 8,535 registered businesses in Arizona are in the Administrative, Support, Waste Management, and Remediation Services sector. Grant applications are complex and lengthy. WebGrants and Federal Resources Team (GFRT), Governors Office of Strategic Planning and Budgeting (OSPB) 1700 West Washington Street, Suite 600 . People who work at home with sole proprietorship are included in this breakdown. To be eligible for the grants, companies have to have 25 employees or less, have their revenue down 25% due to Covid, have less than $3 million in gross sales and have been operating in Phoenix for at least a year. WebThe UPS Store in Phoenix, AZ is here to help individuals and small businesses by offering a wide range of products and services. Stay up to date via email on new and updated funding opportunities. The organization gives at least $30,000 in grants to women entrepreneurs in Arizona (and anywhere in the U.S.) every month. WebSmall Business in Arizona Find information to help you do business in Arizona. PHOENIX (3TV/CBS 5) -- Phoenix is now top five in the U.S. in small business wage gains. Did not generate more than $5 million in gross sales (or revenues, in the case of non-profits) between January 1, 2019 and December 31, 2019. We are locally owned and operated and conveniently located at 20235 N Cave Creek Rd. Up to $15,000 grants are still available for Phoenix small business owners, Micro and small businesses in Phoenix can apply for a much-needed cash infusion, and they do not have to pay back, Social Security warns it may not be able to pay full benefits starting in 2034, Recovering Phoenix officer to throw first pitch at D-Backs' home opener, Man hospitalized after being hit by car in Phoenix, Police arrest man accused of shooting Mesa BoSa Donuts worker, customer. The program helps with technical assistance, training, and expansion for eligible businesses that have less than $1 million and will employ no more than 50 new employees. Copyright 2022 Scripps Media, Inc. All rights reserved. These grants cover payroll, rent, mortgage, insurance, inventory, and utilities. As we continue to fight COVID-19 and protect the public health of our citizens, we know that Arizona will recover from this pandemic. For more information to see if you qualify, click here.
We will do it together, and we will emerge stronger and more resilient as a state and as a people.. WebPhoenix City Council allocated $8 million in funds from the American Rescue Plan Act of 2021 to assist micro and small businesses affected by the pandemic. To qualify, businesses should be at least 50% women-owned and based in the U.S. or Canada. A company with less than 500 employees can apply for SBIR and STTR funding. Governor Ducey has charged his administration and organizations serving Arizonans during this time with ensuring our children and most vulnerable are protected, our rural communities have the support they need and we are proactively working to mitigate the impact of COVID-19 on our state.
Grant money covers any business expense thats a deductible expense listed by the IRS. The City of Phoenix, in collaboration with the Phoenix IDA, offers grants of up to $10,000 to small businesses. This material may not be published, broadcast, rewritten, or redistributed. For a full list of lending products, visit LISC Lending. Phoenix RISE Microbusiness Grants: [Applications Closed] The City of Phoenix is mobilizing $2 million of federal funds to be Below is a list of opportunities recently published that may be available to residents, businesses, or organizations in Phoenix, Arizona: It is always free to apply for government grants. Imelda Bouchard is the owner of Gov Relations. The Accountant performs professional and highly technical accounting work. AZSTEP helps connect entrepreneurs in the rural and urban areas with global prospects and helps them diversify their client case, increase revenues, and create more jobs. This is a fairly new program born out of an $8 million fund allocation into the American Rescue Plan Act of 2021 to aid small businesses as they recover from the pandemic.
Government and private organizations are providing financial support to small businesses affected by Coronavirus. Copyright 2000-2023 USGrants.orgUSGrants.org is owned and operated by a private organization and is not affiliated with the United States government.
Business owners across the country can apply for Amber Grants free of charge. Hours of operation: Business owners have until April 7 to apply, and they can do so here.
Staff will update it as information becomes available.
PHOENIX Governor Doug Ducey and the Arizona Department of Administration today launched Arizona Business One Stop, an easily accessible online location for small businesses and entrepreneurs to plan, start, and grow their businesses in Arizona. WebLocate 48 Small Business Grant In partnership with the State of Arizona, the Arizona Small Business Association (ASBA) is awarding grants up to $20,000 to support small According to Bahram, many customers have started returning since the pandemic. Federal government grants cannot be used to start or expand a business. An allocation of $8 ) or https:// means youve safely connected to More than 10,914 registered businesses in Arizona are also service orientated businesses but are not categorized to the above sectors.
However the process may be very complex depending on the funding opportunity you are applying for. Sign up for Local First Arizonas curated newsletters and receive monthly updates on the latest news, events, and opportunities.
learn more Small Business is OUR Business. She graduated with a degree in Business Administration in Finance at the University of Houston-Downtown. WebLoan amounts range from $500,000 - $5,000,000. : $66K - $71K Apply on employer site Job The State American Rescue Plan - Homeless Children and Youth (ARP-HCY) Grants Specialist is a a granted funded position through September 30, 2024, and is responsible for the review and approval of the American Rescue Plan Homeless Children and Youth I and II (ARP-HCY I and II) grants. "Businesses are using this to make payroll, to find new supply chains because their current supply chains have been disrupted," said Gretchen Wolfe, special projects administrator with the city. Businesses can get anywhere from $3,000 to $15,000, and PHOENIX, Ariz. Preston Henry Tolth, 23, of New Mexico, was indicted by a federal grand jury in Phoenix on March 14, 2023. WebThe Rural Business Development Grants program is a competitive grant for small businesses in rural areas. Web61 Veterans and Military Grants for Arizona Grants for veterans, veteran serving organizations for homes, home improvement, and business. This page will serve as a clearinghouse of COVID-19 grants-related information. Temporary. Show Low, AZ 85901.
On This Page Open a Business Access Financing Contracting Opportunities Open a Business Learn what it takes to start a business in Arizona. The Amber Grant is a great opportunity for women running businesses in Arizona. Check out the rest of Gov Relations blog section today! We make both happen at LendThrive. With more than $14,479.00 million dollars in grants and additional local government funding sources of $12,997.00 million dollars, the majority of the federal budget in government grants is put into the business sector every year as small businesses and large corporations are the foundation of the economic growth in Arizona.
300 W. Congress St., Suite 7N We can also connect you to our partner organizations, lenders, and other community groups that help small businesses succeed. These funds contribute to Arizonas economic growth by supporting eligible businesses and large corporations. WebPrograms, Awards, and Grants for each state . However, grants also have a downside. If the agency is applying for FEMA public assistance funding, the agency should contact DEMA to attend an applicant webinar and receive relevant materials for tracking expenses. Whats more, our Rate Reduction Rewards program helps you save more money for your bottom line by lowering your interest rate down the line when you pay on time. City officials say applications are being accepted until Apr. Gov-Relations is where people may seek information on funding opportunities.
Our office provides help with SBA services including funding programs, counseling, federal contracting certifications, and disaster recovery. The Fundera Zach Grants provide $2,500 each year to small businesses. Small business resiliency grants up to $15,000 are available beginning this week for Phoenix businesses through the PHXbizGrants program. USGrants.org is an established government funding resource portal focused on providing legitimate information, resource, and help on government grants and federal funding. For more information, select from the following: MCSL Attestation Form (PDF) Gross sales or revenues declined by at least 25% as a result of COVID-19 from calendar year 2019 to calendar year 2020. The mentors will work closely with the recipients quarterly for about a year to provide guidance and monitor their progress. WebThe UPS Store in Phoenix, AZ is here to help individuals and small businesses by offering a wide range of products and services. The application period is from November 1, 2021, to May 11, 2022. Toolkit for Starting a Business in Arizona The program will fund up to $10,000 in expenditures for employee hiring/signing incentives, relocation incentives for employees that are moving to take an open position, and/or employee retention incentives. Arizonas State Trade Expansion Program (AZSTEP) assists small business owners in Arizona to expand into new markets internationally or enter export opportunities worldwide. Applications are accepted from companies that may have received city grants in the past. If your business is involved in scientific research and development, then this federal-provided small business grant may be for you. Post author: Post published: April 6, 2023 Post category: tchala boul rale boul Post comments: revels funeral home lumberton nc Small business grants for not-for-profit businesses, organizations, and public-sector entities in Phoenix, Arizona. This position will be reporting directly to the Sr Finance Director WebEmployer est. Websmall business grants phoenix az. Notification shall include any known application deficiencies and information about how such deficiency can be rectified. Calculated as lesser amount of actual loss or $25,000. These funding types are allocated for the following types of businesses: To apply for small business grants in Phoenix, Arizona, contact Arizona financial aid agencies, or, Applicants were also interested in Small Business Grants in the following cities in Arizona: Pima, Pima County, Pine, Pinetop-Lakeside, Pinon, Pirtleville, Polacca, Pomerene, Poston, Prescott. Your business may have lost substantial revenue in 2023 due to COVID-19. Business mentors and peers will be available to grant recipients.
Share sensitive information only on official, He used the money to help retain his staff during the worker shortage by upgrading medical insurance for all 22 of his employees. Documentation demonstrating such shall be required as part of program application. The City of Phoenix reminds small business owners that there is still plenty of money left from the Citys COVID-19 relief grants. WebLocal First Arizona . Draft status) in the current portal, eCivis, will need to establish a FACTS account and submit their applications in that system. Alabama Alaska Arizona Arkansas California Applications will be accepted from November 1, 2021 through May 11, 2022. Small business resources and information can be found at the City of Phoenixs Business and Resident Resource page and at Downtown Phoenix Inc.s Applicants should work with the Arizona Department of Emergency and Military Affairs (DEMA) to complete an application for FEMA public assistance. WebGrants and Federal Resources Team (GFRT), Governors Office of Strategic Planning and Budgeting (OSPB) 1700 West Washington Street, Suite 600 . Learn how to register your business, access state and federal resources, and find lenders in our area.