A step-by-step way to find grants you can actually win, using free sources, starting close to home.
Finding grants is mostly a matching problem: your mission, your location and your size against what a funder pays for. These steps keep you from wasting weeks on grants you cannot win.
Before you search, write one short paragraph: your mission, who you serve, where (city, county, state), your yearly budget, and what you need money for (a program, equipment, staff, a building). Funders sort their giving along exactly these lines.
Local funders are the easiest to reach and the most likely to know you. Look first at:
Your state's grants portal lists programs from state agencies. Federal opportunities are posted on Grants.gov. Read our guide on federal registration before you plan to apply.
Private foundations file public tax returns (Form 990-PF) that list who they gave to and how much. Free tools such as ProPublica's Nonprofit Explorer and the IRS Tax Exempt Organization Search let you read them. Funders that gave to organizations like yours, in your area, are the best leads.
Use our guide on reading a grant listing. If you are not eligible, the deadline is too close, or the award does not match your need, skip it. Passing is part of the process.
Record the funder, deadline, contact, what you asked for and the result. FundLuma's Application tracker is built for this, and the free grant search shows deadlines so nothing slips.
No grant is guaranteed, and nobody can promise you an award. Beware of anyone who charges a fee to "guarantee" funding.
Start with Grants.gov for federal opportunities, your state government's grant portal, your local community foundation, and a free grant search such as FundLuma. Many public libraries also give free access to foundation directories.
Usually not. Federal awards often require registrations, detailed reporting and reimbursement-based payment. Many small organizations begin with local, community foundation and corporate grants, then move up.
Apply only where you clearly fit the eligibility and purpose. A few well-matched applications beat many rushed ones.
General information reviewed October 2026. Not legal, tax or accounting advice.