The absence of direct SBA grants is not very difficult to deal by the entrepreneurs. They are provided with loans at very low rates of interest which help in setting up small businesses. There are many indirect grant programs too which can help those organizations which are responsible for giving technical or financial assistance to small businesses. These SBA grants usually are meant for non-profit organizations, state and local governments and intermediary lending institutions. The SBA supports those organizations which in turn give grants to the small business operators. But the businessman has to chalk out a definite plan of action before approaching the SBA for help.

SBA grants are available on easy terms for some women entrepreneurs and members of the ethnic minority groups too. Besides providing a social change, it also brings about uniformity in the economic development of the country. Some individuals are accommodated in the mainstream of the American society. But these grants are usually given for promoting for-profit businesses. The SBA goes out of its way to help women become financially independent. They even provide technical expertise to women. Since most of the entrepreneurs starting small businesses are very sincere, the SBA usually is very happy with its efforts.