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To help Black-owned businesses identify the best funding sources available, we asked CEOs and business leaders this question for their best insights. From the iFundWomen of Color Program to Reign Ventures, 对于黑人企业主来说，有几种选择可以为他们的企业获得资金. 

The iFundWomen of Color Program

iFundWomen是一个典型的众筹平台，提供“iFundWomen of Color该计划为有色人种女性企业主和企业家提供独家资助. Beyond grants, debt-free crowdfunded capital, fundraising coaching, 和网络的机会都是可用的，以帮助支持WOC在他们的商业冒险.

Ruben Gamez, SignWell

Harlem Capital Partners

Harlem Capital Partners是一家风险投资集团，成立于2019年. 他们拨出了4000万美元的资本基金，帮助少数族裔和女性拥有的企业. 这只以多元化为重点的资本基金旨在建立一个由1000家公司组成的网络，并帮助它们取得成功. Recently, they established the Harlem Capital Partners Venture Fund II, which closed at $134 million. Fund II will be more focused on companies that seek early seed investments. The fund will put more emphasis on consumer technology and enterprise. HCP的目标是超过10%的股权，并将积极参与融资.

Debbie Meeuws, Nature's Arc Organic

See if You Qualify for California’s Reparations

There’s a new stream of pre-seed/Seed capital for Black Americans. Black Americans, descendants of chattel slavery, living in California are now eligible for cash payments under reparations. 那些无法从有偏见的风险资本家或天使投资人那里筹集到种子期前期或种子期资金的美国黑人，不再需要乞求微不足道的零用钱. Venture funding to Black-founded startups in the U.S. 根据Crunchbase的数据，今年第二季度的营收为3.24亿美元，较前几个季度大幅下降.

Brooke Sinclair, Velourit

Community Development Financial Institutions Fund

Community Development Financial Institutions Fund (CDFIs) are an alternative to traditional bank financing. 他们为全国城市和/或农村地区的贫困社区服务. 他们的资金来自拨款、传统银行、联邦政府和/或私人资源. Typically, cdfi的借贷标准比传统银行更灵活，利率也更高. They are a great resource for start-ups and mature businesses.

Pat Marshall, Goldman Sachs 10,000 Small Businesses

The Scale-Up Pitch Challenge

Launched by the National Black MBA Association (NBMBAA) in 2017, the Scale-Up Pitch Challenge is an excellent funding opportunity that black-owned entrepreneurs can explore. Every year, participants are given a specific theme to focus on, 他们可以在哪里展示独特的商业理念，建立可扩展的创业公司. The winning team will be rewarded a grand prize of $50,000, enough to make their visions come into reality. In fact, 由于从挑战中获得的资金和曝光率，之前的获胜者已经在投资者中取得了巨大的成功.

Adam Garcia, The Stock Dork

Crowdfunding from Kiva.org

Kiva 众筹平台的使命是为服务不足的群体和社区提供更好的金融服务吗. Business owners can apply for loans of up to $15,000 at 0% interest, 这个过程包括填写一份在线表格，对你的业务和支付能力进行审查.

Kiva审查各种标准，以确定您有资格借款的金额. These include the nature of your business and its financial background. However, instead of your credit rating, Kiva uses a social verification system to establish your creditworthiness. 那些通过这一阶段的人可以利用Kiva的完整的公共筹款网络. 从那里，感兴趣的贷款人可以直接从平台向贷款基金捐款. The money they choose to invest goes completely to the borrower, which they can then repay over a given schedule.

Milo Cruz, Freelance Writing Jobs

The Coalition to Back Black Businesses

The Coalition to Back Black Businesses 是几个品牌联合起来赋予黑人企业权力的合作关系. The Coalition will supply $14 million in minority grants, resources, 培训将持续到2023年，旨在帮助小企业从与大流行相关的挫折中恢复过来. 该联盟包括ADP、美国运通、AIG基金会、Altice USA、S&P Global Foundation, and Dow. 

每年秋天，企业都会申请5000美元的补助金，其中包括指导和培训福利. In the summer, a few initial grant recipients receive an additional $25,000 enhancement grant for additional funding and support. 符合条件的企业必须是黑人所有的，并且位于经济困难的社区. Even if a business isn't chosen, it's worth applying; each fall, 资助委员会随机挑选400名符合资格的申请人，以获得现金奖励和其他福利.

Georgi Todorov, ThriveMyWay

Mansa Fund

Mansa Fund 是一个为黑人和拉丁裔拥有的小企业提供小额投资的组织. To apply, 业主必须填写一份简短的在线申请，要求他们描述自己目前的需求, and the purpose of their business. The application is then reviewed, and funds are typically disbursed via PayPal within 24 hours if approved.

Dan Gray, Kotn Supply

SBA 7a Small Loans

一项令人震惊的统计数据显示，95%的黑人拥有的企业除了企业主之外没有其他员工, 这也是我们在iBusiness Funding的PPP项目中看到的情况. Our solution to this problem is a SBA 7a small loan. The SBA 7a program provides great flexibility to business owners, especially when the loan is for $350,000 or less. These SBA 7a small loans offer competitive rates, minimal fees, 期限较长，可改善现金流，并可用于各种业务需求.

在我们机构，SBA 7a小额贷款最常见的用途是营运资金请求. 流动资金贷款对于黑人所有的企业来说是完美的，因为它们可以提供雇佣员工所需的流动性, increase advertising and marketing, cover daily business expenses, and much more. 让低成本资金进入黑人企业主手中是至关重要的，这样成本节约就可以直接进入底线，从而使他们能够再投资以实现增长和成功.

Josh Orloff, iBusiness Funding

Backstage Capital

Backstage Capital 是否为那些难以找到投资者的企业家创造了一种投资资源, especially those with limited options like people of color, women, and the LGBTQ+ community. Minority-owned businesses only receive 10% of all venture capital, and this group of like-minded individuals is moving to change that. If you have a highly scalable company and are willing to invest your time, 你可能是180多个服务不足的企业主之一，他们已经从金融和支持资源中受益.

Fernando Lopez, Circuit

Growth Grants from the National Association of the Self Employed

The National Association of the Self Employed (NASE) Growth Grants offers much to black and minority businesses. 这个群体是独特的，因为它提供日常支持和统一的购买力，这通常是小企业无法获得的. It also offers access to experts and benefits. They offer $4,0000 business grants to pay for things like part-time help, farm equipment, computers, and other tech.

Bruce Tasios, Tasios Orthodontics

Reign Ventures

Reign Ventures is an early-stage venture capital company that was founded by a Black woman. 该公司专注于投资阶梯的种子和A轮级别的投资机会. 他们致力于建立一个至少有50%的创始人是有色人种或女性的投资组合，因为他们支持投资由女性和有色人种拥有的企业. It specializes in monetary matters, financial services, and venture capital, among other related fields. It was founded in 2017 and is based in New York for US operations.

Scott O'Brien, PPC Ad Lab