Best Grants for BIPOC

The SAF National Awards Program honors individuals in forestry for their innovative contributions to diversity and inclusion. Notably, the Cultural and Community Engagement Award recognizes SAF members who exemplify leadership in these areas. This award not only includes a $500 honorarium but also offers complimentary registration to the SAF convention and additional funds for travel. It highlights the importance of fostering an inclusive culture within the forestry profession.

The Andrew F. Evans Memorial Scholarship, offered by Montana State University, supports full-time seniors in the School of Film and Photography pursuing the Film Option or Integrated Lens-Based Media program. Applicants must maintain a minimum 3.0 GPA overall and a 3.25 GPA in their major, demonstrating strong commitment to a career in cinematography. This scholarship aligns with MSU's mission to foster innovation and prepare graduates for impactful careers in the arts.

New York State Energy Research and Development Authority

The New York State Energy Research and Development Authority (NYSERDA) offers objective information and analysis, innovative programs, technical expertise, and support to help New Yorkers increase energy efficiency, save money, use renewable energy, and reduce reliance on fossil fuels. A public benefit corporation, NYSERDA has been advancing energy solutions and working to protect the environment since 1975.

On-the-Job Training for Energy Efficiency and Clean Technology

Description

NYSERDA’s On-The-Job Training for Energy Efficiency and Clean Technology program will provide wage subsidies to eligible employers to reduce the financial risk of hiring and training new workers, incentivize and track the retention of the new workers during their first year of employment, and offer compensation for industry certifications earned. This program helps New York State to meet its energy goals and prioritizes the creation of employment opportunities for individuals from disadvantaged communities and priority populations.

NYSERDA is working closely with the New York State Department of Labor (NYSDOL) to deliver the OJT program.

The primary purpose of OJT funding is to train new hires for clean energy work.

Employers must provide services in one or more the following technology areas to be eligible for program funding:

• High efficiency heating, ventilation, and air conditioning (HVAC) / Heat Pumps
• High efficiency water heating
• Insulation / weatherization
• High efficiency lighting and controls
• Building automation and controls
• Smart grid
• Energy storage
• Building operations and maintenance
• Grid-tied solar electric photovoltaics, solar thermal, and related areas
• Offshore and land-based wind and related areas
• Electric vehicle charging stations
• Electric vehicles (manufacturing only)

The Big Bald Dave Adventure Scholarship, provided by the Yellowstone Club Community Foundation, honors Dave Mueller's passion for outdoor adventure. It offers a unique summer trip for Big Sky students in grades 9-11 who demonstrate leadership and a love for the outdoors. Supported by Adventures Cross Country, this scholarship is a wonderful opportunity for students to engage in enriching experiences while giving back to the community. Notably, it is not based on financial need.

The RiverSmart Homes Rain Barrel Installation and Rebate Program, administered by the Department of Energy and Environment (DOEE), aims to reduce stormwater runoff and enhance water conservation in Washington, D.C. This grant invites eligible nonprofit organizations, faith-based entities, and educational institutions to apply for funding to install rain barrels, recycle them, and issue rebates. The program seeks to improve public understanding of stormwater management and its impact on local waterways.

The BIE Professional Development Funding for STEM Educators and Students, offered by the Native Forward Scholars Fund, supports training opportunities in science, technology, engineering, and mathematics (STEM) for TCU faculty, staff, and students. This funding assists with costs related to professional development including continuing education, conferences, and certifications. Eligible applicants include educators at BIE-funded or controlled schools, as well as those at institutions with significant Native American populations, fostering increased representation and support for Native scholars.

The Native Forward Scholars Fund Internship Assistance Program empowers Native students by providing financial support for internships in non-STEM fields. This initiative breaks down financial barriers, enabling students to gain practical experience in areas like public policy, education, and cultural preservation. Through this program, students enhance their skills while contributing positively to their Tribal communities. The funding covers essential costs such as travel and living expenses, ensuring transparency and accountability in financial assistance.

The Nicholson Family Foundation Grant supports organizations that empower underserved youth in arts, education, and social services across Northern California. Established in 1996, the foundation provides small grants that create meaningful impacts, reinforcing community ties. Eligible organizations may reapply every three years, ensuring ongoing support for impactful initiatives. The foundation prioritizes operational support and encourages collaborations with new organizations, fostering a sustainable philanthropic environment.

Notice of Funding Opportunity

Grid Modernization Grant Program

The State of New Mexico, Energy, Minerals and Natural Resources Department (EMNRD) Energy Conservation and Management Division (ECAM) is requesting applications pursuant to 17.9.588 New Mexico Administrative Code (NMAC), Grid Modernization Grant Program, from government entities for grid modernization projects to assist New Mexico in developing a modern electric grid that transitions the state to 100-percent zero-carbon electricity resources.

Grid modernization projects are those that make improvements to electric distribution or transmission infrastructure to accommodate or facilitate the integration of renewable electric generation resources with the electric distribution grid or otherwise enhance electric distribution or transmission grid reliability, grid security, demand response capability, customer service or energy efficiency or conservation.

The Holsworth Wildlife Research Endowment Grant, offered by the Ecological Society of Australia, supports Australian PhD students with research funding up to $22,500 for wildlife studies. The grant focuses on ecological interactions, conservation biology, and wildlife management. Eligible applicants include those conducting fieldwork on native species, with specific funding for communication of research outcomes. This grant encourages early-stage doctoral students to apply and emphasizes adherence to ethical research practices.

The Governor's Workforce Board

The Governor's Workforce Board (GWB) is the primary policy-making body on workforce development matters for the State of Rhode Island and has statutory responsibility and authority to plan, coordinate, fund, and evaluate education, employment, and training programs that increase the skills of the RI workers and address the workforce needs of RI businesses. The Board is housed at the Rhode Island Department of Labor and Training.

Real Skills for Youth

The goal of Real Skills for Youth is to prepare youth for success in college and/or career through meaningful career exposure and exploration of potential career paths and their on-ramps, skill-building with an emphasis on essential and professional skills and supported work-based learning experiences that allow participants to apply learning in a real-world setting. 

Real Skills for Youth programs often provide youth with initial exposure to the world of work, whether through a paid work experience, hands-on exposure to new careers, and practicing essential skills.

In FY26, the GWB allocated $2.8 million to the program to support partnerships consisting of schools, youth-serving organizations, employers, and others to develop and implement high-quality work-based learning and career exploration activities. This program is part of Rhode Island’s larger effort called Prepare RI.

Real Skills for Youth Partners and Programs: Inspiring Minds

What To Expect

• Earn paid, hands-on experience in real school and education settings during the school year and summer
• Build job skills and confidence through work readiness training and classroom support roles
• Learn from mentor educators and receive individualized guidance and coaching
• Explore careers in education and youth development through real-world experience

Career Pathways to Choose From

• Education and Youth Development
• Early Childhood
• Elementary Teacher Assistants
• (Substitute) Teachers 

You will have the opportunity to receive RIELDS training and get CPR & First Aid Certified!

Communities Served: Providence

The Governor's Workforce Board

The Governor's Workforce Board (GWB) is the primary policy-making body on workforce development matters for the State of Rhode Island and has statutory responsibility and authority to plan, coordinate, fund, and evaluate education, employment, and training programs that increase the skills of the RI workers and address the workforce needs of RI businesses. The Board is housed at the Rhode Island Department of Labor and Training.

Real Skills for Youth

The goal of Real Skills for Youth is to prepare youth for success in college and/or career through meaningful career exposure and exploration of potential career paths and their on-ramps, skill-building with an emphasis on essential and professional skills and supported work-based learning experiences that allow participants to apply learning in a real-world setting. 

Real Skills for Youth programs often provide youth with initial exposure to the world of work, whether through a paid work experience, hands-on exposure to new careers, and practicing essential skills.

In FY26, the GWB allocated $2.8 million to the program to support partnerships consisting of schools, youth-serving organizations, employers, and others to develop and implement high-quality work-based learning and career exploration activities. This program is part of Rhode Island’s larger effort called Prepare RI.

Real Skills for Youth Partners and Programs: New England First (Rhode Island Region)

What To Expect

• Learn robotics and coding through hands-on, team-based projects
• Build STEM skills like problem-solving, teamwork, and critical thinking
• Connect with industry professionals and explore future STEM careers
• Compete and collaborate as part of a robotics team in a supportive, high-energy environment

Career Pathways to Choose From

• Robotics
• Engineering
• STEM related fields

Communities Served: Statewide

The Governor's Workforce Board

The Governor's Workforce Board (GWB) is the primary policy-making body on workforce development matters for the State of Rhode Island and has statutory responsibility and authority to plan, coordinate, fund, and evaluate education, employment, and training programs that increase the skills of the RI workers and address the workforce needs of RI businesses. The Board is housed at the Rhode Island Department of Labor and Training.

Real Skills for Youth

The goal of Real Skills for Youth is to prepare youth for success in college and/or career through meaningful career exposure and exploration of potential career paths and their on-ramps, skill-building with an emphasis on essential and professional skills and supported work-based learning experiences that allow participants to apply learning in a real-world setting. 

Real Skills for Youth programs often provide youth with initial exposure to the world of work, whether through a paid work experience, hands-on exposure to new careers, and practicing essential skills.

In FY26, the GWB allocated $2.8 million to the program to support partnerships consisting of schools, youth-serving organizations, employers, and others to develop and implement high-quality work-based learning and career exploration activities. This program is part of Rhode Island’s larger effort called Prepare RI.

Real Skills for Youth Partners and Programs: North Kingstown Chamber of Commerce

What To Expect

Career Exploration: The WindWinRI Program is an 80-hour career exploration experience designed for Rhode Island high school students to engage in hands-on, career-aligned learning in renewable energy and engineering. Through applied, project-based learning, industry-validated competitions, dual enrollment opportunities, and paid work-based learning experiences. Offered at interested high schools, students build technical and professional skills while designing, testing, and presenting energy systems. The program prepares students for both postsecondary and direct to career success and exposes them to high-demand career pathways in the clean energy and blue economy sectors.

Career Pathways to Choose From

• Welding
• Construction
• General Operations
• Finance
• Environmental Sciences
• Supply Chain Management
• Engineering

Communities Served: Warwick, West Warwick, Pawtucket, Exeter-West Greenwich, Coventry, Providence, Central Falls 

The Governor's Workforce Board

The Governor's Workforce Board (GWB) is the primary policy-making body on workforce development matters for the State of Rhode Island and has statutory responsibility and authority to plan, coordinate, fund, and evaluate education, employment, and training programs that increase the skills of the RI workers and address the workforce needs of RI businesses. The Board is housed at the Rhode Island Department of Labor and Training.

Real Skills for Youth

The goal of Real Skills for Youth is to prepare youth for success in college and/or career through meaningful career exposure and exploration of potential career paths and their on-ramps, skill-building with an emphasis on essential and professional skills and supported work-based learning experiences that allow participants to apply learning in a real-world setting. 

Real Skills for Youth programs often provide youth with initial exposure to the world of work, whether through a paid work experience, hands-on exposure to new careers, and practicing essential skills.

In FY26, the GWB allocated $2.8 million to the program to support partnerships consisting of schools, youth-serving organizations, employers, and others to develop and implement high-quality work-based learning and career exploration activities. This program is part of Rhode Island’s larger effort called Prepare RI.

Real Skills for Youth Partners and Programs: Rhode Island College

What To Expect

• Earn paid, career-connected experience in high-demand tech fields like cybersecurity, AI, and IT
• Apply classroom learning to real-world projects through structured internships
• Build professional skills through career coaching, financial literacy, and workplace readiness training
• Connect with employers and mentors while exploring future careers in the digital economy through Rhode Island College

Career Pathways to Choose From

• Cybersecurity
• Artificial Intelligence
• Computer Science 

Communities Served: Statewide

The Governor's Workforce Board

The Governor's Workforce Board (GWB) is the primary policy-making body on workforce development matters for the State of Rhode Island and has statutory responsibility and authority to plan, coordinate, fund, and evaluate education, employment, and training programs that increase the skills of the RI workers and address the workforce needs of RI businesses. The Board is housed at the Rhode Island Department of Labor and Training.

Real Skills for Youth

The goal of Real Skills for Youth is to prepare youth for success in college and/or career through meaningful career exposure and exploration of potential career paths and their on-ramps, skill-building with an emphasis on essential and professional skills and supported work-based learning experiences that allow participants to apply learning in a real-world setting. 

Real Skills for Youth programs often provide youth with initial exposure to the world of work, whether through a paid work experience, hands-on exposure to new careers, and practicing essential skills.

In FY26, the GWB allocated $2.8 million to the program to support partnerships consisting of schools, youth-serving organizations, employers, and others to develop and implement high-quality work-based learning and career exploration activities. This program is part of Rhode Island’s larger effort called Prepare RI.

Real Skills for Youth Partners and Programs: Rhode Island Office of the Post Secondary Commissioner

What To Expect

• Explore healthcare careers you may not know about;
• Hands-on activities that show what healthcare jobs are really like
• Learn from professionals who work in hospitals, clinics, and other healthcare settings
• Discover different career paths and what education or training they require
• Build knowledge and confidence about your future in healthcare
• Get inspired to see how you could be part of Rhode Island’s healthcare workforce

Career Pathways to Choose From

• Healthcare Field: Nursing, Pharmacists, Surgical Tech, Medical Assistant, and more.
• Experiential Learning
• Prepare next generation of the Healthcare Workforce

Youth Participants will be participating in a series of career exploration activities: professional spotlights, career skills development days, disaster simulations, career and education fair, research symposiums, and a final career exhibition.

Communities Served: Providence and North Providence Public Schools, Central Falls School District, East Providence School District

The Governor's Workforce Board

The Governor's Workforce Board (GWB) is the primary policy-making body on workforce development matters for the State of Rhode Island and has statutory responsibility and authority to plan, coordinate, fund, and evaluate education, employment, and training programs that increase the skills of the RI workers and address the workforce needs of RI businesses. The Board is housed at the Rhode Island Department of Labor and Training.

Real Skills for Youth

The goal of Real Skills for Youth is to prepare youth for success in college and/or career through meaningful career exposure and exploration of potential career paths and their on-ramps, skill-building with an emphasis on essential and professional skills and supported work-based learning experiences that allow participants to apply learning in a real-world setting. 

Real Skills for Youth programs often provide youth with initial exposure to the world of work, whether through a paid work experience, hands-on exposure to new careers, and practicing essential skills.

In FY26, the GWB allocated $2.8 million to the program to support partnerships consisting of schools, youth-serving organizations, employers, and others to develop and implement high-quality work-based learning and career exploration activities. This program is part of Rhode Island’s larger effort called Prepare RI.

Real Skills for Youth Partners and Programs: Tri County Community Action Agency

What To Expect

• Paid Internship: Get help choosing a paid work experience with a real employer
• Choose Your Placement: Explore your skills and interests and then get matched them with a work-based learning site that fits with your goals.
• Skill Building: Work on workplace skills like building a resume, interviewing, learning about managing money and more.
• Mentorship: Work alongside experienced staff and learn what a real workday looks like. 

Career Pathways to Choose From

• Health Care 
• Business & Finance 
• Computer Science 
• Sustainable Energy 
• Education 
• Hospitality

Communities Served: Northern / Providence County and Southern / Washington County

About Us

The North Carolina Housing Finance Agency is a self-supporting public agency that provides safe, affordable housing opportunities to enhance the quality of life of North Carolinians. Since its creation by the General Assembly, the Agency has financed nearly 333,400 affordable homes and apartments, totaling $37.4 billion.

The Agency provides financing through the sale of tax-exempt bonds and management of federal tax credit programs, the federal HOME Program, the state and national Housing Trust Funds, and other programs.

NC Urgent Repair Program

The North Carolina Housing Finance Agency (the Agency) proposes to make funds available for the 2026–2027 Urgent Repair Program (URP27). Program funding enables recipient organizations to provide deferred, forgiven loans of up to $15,000 for emergency home repairs and modifications to very low-income owner-occupied homes. Eligible households are those with one or more full-time household members with special needs (e.g., elderly, disabled and/or veteran full-time household members or a child six years of age or under living in the home with lead hazards). Household incomes cannot exceed 50% of area median income.   

The maximum funding amount is $330,000 for projects serving two or more counties in their entirety, and $165,000 for projects serving a single county. The minimum funding allocation is $99,000. 

The Woman's Club of Pewaukee Grant supports community initiatives that enhance the quality of life in Pewaukee. This service organization dedicates itself to fundraising and volunteer efforts, benefiting around twenty local groups. These groups focus on arts, education, health, and civic engagement, helping individuals and families in need. By fostering collaboration and outreach, the Woman's Club plays a vital role in nurturing a thriving community.

Santa Monica Mountains Conservancy Proposition 68 Grant Program

The Santa Monica Mountains Conservancy is pleased to assist non-profit organizations, local public agencies, and tribes by providing grant funding for projects that preserve open space and habitat, increase public access to it, and help create healthy and climate resilient communities.

Funding for Santa Monica Mountains Conservancy grant programs is periodically authorized by the California State Legislature. During the pre-application consultation, Conservancy staff will discuss current opportunities. Applications are accepted on a rolling basis.

The Kansas City Chiefs Charity Game Grant offers a unique opportunity for a 501(c)(3) organization in the greater Kansas City area to partner with the Chiefs for a major fundraising event. The selected organization will receive 90% of the game proceeds, with a commitment to support children and families in crisis. This partnership includes game tickets, promotional support, and the chance to expand fundraising capacity through a well-defined plan, ensuring a significant community impact.

Montana Department of Labor & Industry

The Montana Department of Labor & Industry (DLI) is a state government organization that exists to uphold labor laws, ensure worker safety, and encourage business and employee growth and relations.

DLI accepts and investigates discrimination complaints, provides business support and education, and offers workers educational seminars, community resource centers, and job training.

WIOA Title II – Adult Education & Family Literacy Act Program Services

The Montana Department of Labor & Industry (MTDLI), in compliance with the Workforce Innovation and Opportunity Act (WIOA), is seeking applications from experienced and qualified organizations to execute essential workforce development through the WIOA Title II - Adult Education and Family Literacy Program.

In doing so, the Department is seeking applicants who:

• Implement service delivery strategies that align with the 406 JOBS initiative and America's Talent Strategy, including: use of apprenticeship and pre-apprenticeship training models; training in Industry Recognized Credentials; employer engagement to ensure industry-driven strategies; and outreach to hard-to-reach populations.
• Coordinate with WIOA core partners.
• Deliver strong performance outcomes with respect to employment, wages, credential attainment, and skill gains.

Types of Awards

Adult Education Grant (AEFLA)-WIOA Section 231 funding

Corrections Education Grant-WIOA Section 225 funding

Integrated English Literacy and Civics Education (IELCE) Grant-WIOA Section 243 funding

Integrated English Literacy and Civics Education (IELCE) (WIOA §243(a))

Prepare adults who are English language learners for, and place such adults in, unsubsidized employment in in-demand industries and occupations that lead to economic self-sufficiency and funds are specifically designed to provide IELCE services in combination with Integrated Education and Training (IET), allowable under WIOA Sec. 243.

• Prepare adults who are English language learners for, and place such adults in, unsubsidized employment in in-demand industries and occupations that lead to economic self-sufficiency
• Integrate with the local workforce development system and its functions to carry out the activities of the program
• Workforce preparation activities
• Workforce training for a specific occupation or occupational cluster
• Integrated education and training that: Provides adult education and literacy activities, concurrently and contextually with both workforce preparation activities and workforce training for a specific occupation or occupational cluster.

Tennessee Department of Health

Mission: Protect, promote, and improve the health and well-being of all people in Tennessee.

The Tennessee Department of Health's highly talented and dedicated professionals reflect a standard of performance in its effective and engaging public health efforts and collaborative commitment to providing compassionate service to people in all 95 counties of the state. TDH provides health care and wellness services daily to Tennesseans through a statewide network of 89 rural and six metropolitan county health departments at 117 physical locations.

Rural Healthcare Access Modernization Program (RAMP)

Description

The Rural Healthcare Access Modernization Program (RAMP) is intended to strengthen healthcare access in rural Tennessee by funding targeted capital improvements at rural hospitals and supporting the establishment or expansion of rural primary care practices. The opportunity seeks to increase service capacity, improve operational efficiency and quality of care, modernize healthcare facilities, and address critical provider shortages, particularly in pediatrics and obstetrics.

Funding is allocated to the Tennessee Department of Health (TDH) to support three investment goals through RAMP.

Goal 1: Rural Capital Investment

Goal 2: Rural Health Transformation Program (RHTP) Competitive Grant Extension Subsidiary of Goal 1

Goal 3: Rural Primary Care Seed Grants

Rural Health Transformation Program Competitive Grant Extension

Support for eligible projects aligned with Rural Health Transformation priorities that require additional funding to continue or complete implementation.

This investment goal is intended to build upon and extend successful models emerging from Tennessee's Rural Health Transformation Program (RHTP).

Through this approach, TennCare Shared Savings funding may provide additional support for high-quality projects that align with RHTP priorities and demonstrate the potential to improve healthcare access and outcomes in rural communities. This strategy helps maximize the impact of innovative projects and supports continued progress toward rural healthcare transformation goals..

The Wildlife Conservation Board Grants, previously the Ecosystem Restoration on Agricultural Lands Program, focus on enhancing habitat on privately owned agricultural lands in California. This program aims to collaborate with landowners to implement projects that benefit wildlife habitat while ensuring economic sustainability. Eligible projects include habitat restoration, management activities, and enhancements that provide long-term ecological benefits. Applications are encouraged from projects that promote connectivity and support for justice communities.

Montana Department of Public Health and Human Services

At the Montana Department of Public Health and Human Services (DPHHS), we are dedicated to our mission of serving Montanans in their communities to improve health, safety, well-being, and empower independence. As the largest executive branch agency in the state, our broad reach allows us to provide essential, community-based support where and when it matters most. Our DPHHS team is passionate about improving our clients’ lives and helping them build a more secure and independent future.

Funding Opportunities for Healthcare Professionals

Join us in a funded project and improve patient care, clinical outcomes, and staff knowledge. DPHHS has a wide variety of available grant opportunities for health improvement that fit any clinic or hospital work schedule. Interested in more than one? We can work with health systems to create an outline of activities to align grants and receive additional funding. 

Cardiovascular Funding Opportunities include: Access to Care; Community Health Worker (CHW) Social Need Project; and others.

Access to Care

Increase screening for health-related social needs and build partnerships to address health disparities. With a focus on patients who have diabetes, hypertension, and high cholesterol.

Career and Technical Education

The goal of the South Dakota Department of Education is for all students to graduate college, career, and life ready. The Division of College, Career and Student Success provides support for students' preparations for postsecondary education and the workforce. Services are connected to approved Career & Technical Education (CTE) programs, work-based learning, student organizations and more. In-line with the department's aspiration, DCCSS works to ensure students not only graduate from high school, but that they are prepared to navigate the transitions and life events that come after high school.

Workforce Education Grants

In 2013, the South Dakota Legislature established the Workforce Education Fund through SB 235. Part of that fund was designated to provide grants for Career & Technical Education (CTE) programs in secondary schools.

The Workforce Education Grants provide school districts and private, nonprofit entities who provide specialized training in South Dakota the opportunity to make transformative change in career and technical education programs. High quality CTE programs give students the knowledge, skills and experiences to be well prepared for postsecondary education and the workforce. Partnerships among secondary education, postsecondary education, and business & industry lay the foundation for modern CTE programs.

Grant Purpose & Eligibility

The Workforce Education Grants are designed to demonstrate alignment to postsecondary education and South Dakota workforce needs, developing the state's talent pipeline for workforce development and economic growth. Projects must provide work-readiness training, including technical training. Projects cannot include adult basic education, English learner services, or high school equivalency training programs.

Eligible applicants are private, nonprofit entities that provide specialized career and technical services and education as referenced in SDCL 13-13-89. The entities that are awarded grants will serve as fiscal agents through the completion of their projects. All applications must demonstrate commitment by all grant partners to the grant project and its sustainability following the conclusion of the grant.

Workforce Innovation and Opportunity Act Title I - Dislocated Worker Program Services

The Montana Department of Labor & Industry (MTDLI), in compliance with the Workforce Innovation and Opportunity Act (WIOA), is seeking applications from experienced and qualified organizations to execute essential workforce development through the WIOA Title I - Dislocated Worker Program.

In doing so, the Department is seeking applicants who:

• Implement service deliver strategies that align with the 406 JOBS initiative and America's Talent Strategy, including:
  • use of apprenticeship and pre-apprenticeship training models,
  • training in Industry Recognized Credentials,
  • employer engagement to ensure industry-driven strategies, and
  • outreach to hard to reach populations.
• Coordinate with WIOA core partners.
• Deliver strong performance outcomes with respect to employment, wages, credential attainment, and skill gains.

Economic Development Grants

Montana’s CDBG Economic Development Program is designed to stimulate economic development activity by assisting Montana’s private sector to create or retain jobs for LMI Montanans. Specifically, this includes individuals earning less than 80% of the area median income.

The program can assist businesses by awarding grants to local governments and making fixed-rate financing available to those businesses at low interest rates. In addition, the program can offer payment deferrals, lower first-year payments, and interest-only payments.

Businesses work with local governments to apply to the program, and the local government then loans to an eligible business or grants to a nonprofit. CDBG-ED funds are intended to be used in situations where a funding gap exists and alternative sources of public and private financing are not adequate.

The focus of the program is to support the creation or retention of full-time permanent jobs for Montanans. Loan amounts are based on the number of employees a business will retain or the number of new positions to be created. Loan terms are determined according to the use of funds and the businesses financial position. The business must ensure that at least 51% of the jobs are made available to, or held by, individuals earning less than 80% of the area median income.