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United States · Michigan

Small business grants in Michigan

The short answer is that Michigan has very little open grant money for small businesses right now, and most of what the state offers is lending rather than grants. Below is what actually exists, what each one pays, who it rules out, and the date a person last checked it against the official source.

Last reviewed 27 October 20263 programmes

Michigan grant programmes at a glance

Michigan small business grant programmes: 2 taking applications now, 1 closed.

ProgrammeAdministered byAmountStatusDeadlineSource
Amber Grant for WomenWomensNetUp to $75,000RollingRollingOfficial
MEDC Capital AccessMichigan Economic Development Corporation, with participating banks and lendersVariesRollingRollingOfficial
Match on MainMichigan Economic Development Corporation, delivered through local governments and downtown organisationsUp to $25,000ClosedNot statedOfficial

Every programme in detail

Read the exclusions before the eligibility. It is faster to find out you are ruled out than to find out you qualify.

Amber Grant for Women

Rolling

WomensNet · Private

Amount
Up to $75,000
Deadline
Rolling
Decision
Winners announced by the 21st of the following month

Three $15,000 grants every month, plus three $75,000 year-end grants.

Monthly. Applications close on the last day of every month, and winners are announced by the 21st of the following month.

Who qualifies

  • Woman-owned business
  • One application enters you for both the monthly grant and the year-end grant

Who does not qualify

  • Businesses that are not majority women-owned

How to apply

  1. Apply online before the month-end deadline
  2. Describe the business and what the money would do

Not Georgia-specific; open across the US and listed here because Georgia applicants qualify. The widely republished figures of $10,000 monthly and $25,000 annual are out of date. As of 27 October 2026 it is $15,000 and $75,000.

MEDC Capital Access

Rolling

Michigan Economic Development Corporation, with participating banks and lenders · State

Amount
Varies
Deadline
Rolling

Set by the lender, not by MEDC. Covers the Loan Participation Program, Collateral Support Program and Capital Access Program.

Rolling, through a participating lender rather than MEDC.

Who qualifies

  • Michigan small businesses seeking bank finance
  • You must be working with a participating lender, as MEDC supports the loan rather than issuing it

Who does not qualify

  • Anyone looking for a grant. This is lending and it is repaid, whatever grant directories classify it as
  • Businesses that cannot get a lender to take the application forward

How to apply

  1. Approach a participating bank or lending institution
  2. The lender applies the MEDC support to your loan

Listed because Michigan's state-level small business support is overwhelmingly this, not grants, and that is the single most useful thing to know before spending a week looking. Recorded as a loan so it cannot be mistaken for free money.

Match on Main

Closed

Michigan Economic Development Corporation, delivered through local governments and downtown organisations · State

Amount
Up to $25,000
Deadline
Not stated

Closed. The 2026 window ran 1 March to 24 April 2026, with a 20 April deadline. No 2027 window has been announced.

What you put in

A cash match from the business, commonly 10% of the award

Who qualifies

  • Sells products or services face to face from a physical location in an eligible district
  • Headquartered in Michigan, for-profit or non-profit
  • In a community designated Essentials or Certified Redevelopment Ready, or a Select or Master level Michigan Main Street community
  • Has, or intends to have, control of the site being applied for
  • Has not previously received Match on Main support

Who does not qualify

  • You cannot apply yourself. Small businesses do not apply to MEDC directly: a local government or downtown organisation applies on your behalf, so if yours will not sponsor you there is no route in
  • Businesses outside a Redevelopment Ready or Michigan Main Street community
  • Businesses that have had a Match on Main award before
  • Online-only businesses, because the programme requires face-to-face trading from a physical site

How to apply

  1. Check whether your community is a Redevelopment Ready or Michigan Main Street community
  2. Approach your local government or downtown development authority, because they are the applicant
  3. They submit through the MEDC portal during the window
  4. The grant is reimbursed to the business on project completion

Michigan's main small business grant, and it is shut as of 27 October 2026. The structural catch matters more than the money: the business never applies, the community does, so a town that does not take part leaves its businesses with no way in at all.

Verified 2026-10-27 · sourceClosed to new applications

Grants elsewhere

FAQ

Common questions about Michigan grants

Very few. Match on Main, the state's main small business grant, closed its 2026 window on 24 April 2026 and no 2027 window has been announced. Most of what the Michigan Economic Development Corporation offers small businesses is lending, through Capital Access, the Loan Participation Program and the Collateral Support Program, not grants.
You do not, and this catches people out. Small businesses do not apply to MEDC directly. A local government, downtown development authority or community development organisation applies on your behalf, and only in communities designated Redevelopment Ready or Michigan Main Street. If your community does not take part, there is no route in regardless of how good your business is.
No. It is lending support, delivered through participating banks rather than by MEDC directly, and it is repaid. It appears on grant lists regularly, which is misleading. It can still be the most realistic route to money in Michigan, but go in knowing it is a loan.
MTRAC is real grant money, but it is not for ordinary small businesses. Michigan universities, non-profit research centres and hospital systems apply through one of the five innovation hubs to commercialise technology. If you are not working with one of those institutions it is not open to you.
For Match on Main, the sponsoring organisation has to make the case for your project, which in practice means costed quotes and a clear financial picture from you. For any Capital Access lending, the bank will expect a plan and a forecast, because it is underwriting a loan.
Every programme carries the date a person last confirmed it against the official source, shown on its entry. The bar at the top shows the most recent check across the whole list.

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