Downtown Business Assistance Request Form 2026

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The most common starting point is a small business loan from a bank, credit union, or an SBA-backed lender. These lenders often require a solid business plan, collateral, and a cash injection (equity from the owner). This is where many people get stuck, especially if they dont have savings.
The time it takes an applicant to get a full grant approved depends on several factors: Foundation grants: Typically 30 days to 18 months. Federal grants: Usually 6 to 9 months due to stricter processes.
For foundations, you may receive a notification in 30 daysor 18 months! (GrantWatch) For federal grants, the process can take 6-9 months from beginning to end (Long Capture).
The California Dream Fund Grant Program (CDFG or Dream Fund) was created in 2021 by Senate Bill No. 151 (Government Code Section 12100.63) to provide microgrants up to $10,000 to seed entrepreneurship and small business creation in underserved small business groups that are facing capital and opportunity gaps.
Our normal processing time is 8-10 weeks. Expedited processing is 2-6 weeks. Please do not contact us asking about the status of your file.
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Foundations typically fund between 15% and 30% of applicants. This means about 1 in 7 to 1 in 3 grant proposals from both nonprofits and small businesses are successful.
Waiting is one of the hardest parts of applying for grants. Even quick response grant funds can take six weeks to let you know if you were successful. Success rates are low. You need to prepare for disappointments as well as success.

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