Business Grants and Resources for Single Mothers in Alabama
Business Startup, Small Business & Entrepreneurship Assistance and Grants for Single Mothers in Alabama
Last updated: September 2025
Emergency help first
- If you need immediate support to keep your household stable while you launch: Apply for SNAP and TANF, and request child care subsidy right away. SNAP max for a 4‑person household in Alabama through FY 2025 is 975/month∗∗;minimumbenefitis∗∗975/month**; minimum benefit is **23. Use Alabama’s combined portal to apply online. (fns.usda.gov, dhr.alabama.gov)
- If your business cash need is urgent: Call the Alabama SBDC Hotline at 877‑825‑7232 to get matched with a lender or a no‑cost advisor who can help you prep a loan package fast. (asbdc.org)
- If you’re pursuing federal or state contracts for quick revenue: Call the Alabama APEX Accelerator at 205‑348‑1687 for free help getting registered in SAM.gov, finding set‑aside bids, and qualifying for WOSB/HUBZone certifications. (apexal.org)
Quick help box
- SSBCI capital you can access now: Innovate Alabama’s LendAL (loans via local banks with state credit support) and InvestAL (state VC investments) are live with $97.9 million allocated to Alabama. Start with your bank and the “Approved Lenders” list or complete the founder interest form. (home.treasury.gov, innovatealabama.org)
- Largest startup competition in the state: Alabama Launchpad now offers track‑specific non‑dilutive prizes up to 100,000∗∗(LifeSciences),∗∗100,000** (Life Sciences), **75,000 (Technology), and $50,000 (Consumer Goods). Current cycle dates appear below. (alabamalaunchpad.com)
- SBIR/STTR recipients: The Innovate Alabama Supplemental Grant can add up to 100,000∗∗(PhaseI)or∗∗100,000** (Phase I) or **250,000 (Phase II) on top of your federal award. Next round opens again in Summer 2025. (innovatealabama.org, tfaforms.com)
- Women‑focused coaching: The Alabama Women’s Business Center (The Catalyst) serves women statewide. Call 256‑428‑8190 to book free advising. (madeinalabama.com)
- One number for statewide small‑business advising: Alabama SBDC Hotline 877‑825‑7232. (asbdc.org)
Why this guide is different
What you get here: Alabama‑specific dollar amounts, direct phone numbers, current deadlines, and step‑by‑step actions with official sources linked. Many top search results list generic advice, skip exact figures, or don’t show who to call. We cut the fluff and show verified numbers, timelines, and Plan B options sourced to Alabama agencies and well‑established programs (SBA, USDA, HUD, Innovate Alabama, EDPA, ADOR, DHR).
Quick Reference Cheat Sheet
| Program / Task | Key Amounts | How to act today | Source |
|---|---|---|---|
| Innovate Alabama Supplemental Grant (SBIR/STTR add‑on) | Phase I up to 100,000∗∗;PhaseIIupto∗∗100,000**; Phase II up to **250,000 | Confirm your federal award; join next round Summer 2025 | (innovatealabama.org, tfaforms.com) |
| Alabama Launchpad (non‑dilutive) | Up to 100,000∗∗pertrack(LifeSciences);∗∗100,000** per track (Life Sciences); **75,000 (Tech); $50,000 (Consumer Goods) | Apply by posted cycle deadlines; finalists receive mentoring | (alabamalaunchpad.com) |
| SSBCI – LendAL (loans with credit support) | Lender rate reduction up to 0.50%; loans typically 10,000–10,000–5,000,000 | Talk to your bank; check “Approved Lenders”; submit borrower interest form | (home.treasury.gov, innovatealabama.org) |
| SSBCI – InvestAL (state VC) | Direct checks 5,000–5,000–1,000,000 (1:1 match required) | Submit founder interest form; prepare your data room | (innovatealabama.org) |
| SBA Microloan | Up to $50,000; max term 6 years | Contact CEII (850‑595‑6234 x203), TruFund (205‑715‑2710), or LiftFund (888‑215‑2373) | (sba.gov, ceii-cdc.org, trufund.org, liftfund.com) |
| Child care subsidy (lets you work/launch) | Example for family of 3 initial eligibility: 0–0–2,152/mo = $0 fee; sliding weekly fees beyond that | Apply; fees set by income band; priority categories may pay $0/week | (dhr.alabama.gov) |
| SNAP (food) | Max for 4 people $975/mo (FY25) | Apply online; interview can be by phone | (fns.usda.gov) |
| SBDC Hotline | 877‑825‑7232 | Free advising; loan packaging; SSBCI help | (asbdc.org) |
| APEX (government contracting) | Free help | Call 205‑348‑1687 to get bid‑ready (WOSB/HUBZone) | (apexal.org) |
Step 1 — Set up your Alabama business correctly (fast)
Start with the bare‑minimum legal steps so banks and programs can say “yes.”
- Choose your entity: Most micro‑businesses start as an LLC for liability protection and flexible taxes.
- Reserve your business name: Alabama requires a name reservation before filing LLC formation. Fee: $25 (statutory). (sos.alabama.gov, law.justia.com)
- File your Certificate of Formation: Fee: $200 to the Alabama Secretary of State. (sos.alabama.gov)
- Get your Alabama Tax ID and sales tax account (if selling taxable goods): Registration is free; processing typically 2–5 days after you apply in My Alabama Taxes (MAT). (revenue.alabama.gov)
- Buy your Business Privilege License: Purchased at your county Probate Judge or License Commissioner. Renew annually by October 31. Fees vary by business type and county. (revenue.alabama.gov)
- Know the Business Privilege Tax: Minimum tax is 50∗∗ifyourcalculatedliabilitywouldotherwisebe∗∗50** if your calculated liability would otherwise be **100; tax is due each year even if no income, with rates ranging 0.25–0.25–1.75 per $1,000 of Alabama net worth. Due date for LLCs is generally the 15th day of the 3rd month after your tax year begins (e.g., calendar‑year LLC due March 15). (revenue.alabama.gov)
- Open a business bank account: Many banks ask for your Certificate of Formation, EIN, and a Certificate of Compliance ($14) from ADOR. (howtostartanllc.org)
What to do if this doesn’t work: If fees block you, ask an SBDC advisor about forming as a sole proprietorship now and transitioning to an LLC when funding lands, or seek a microloan that includes startup costs in proceeds. Call 877‑825‑7232. (asbdc.org)
Table — Alabama startup filings and costs
| Item | Typical fee | Where to do it | Source |
|---|---|---|---|
| LLC name reservation | $25 | Alabama Secretary of State | (law.justia.com) |
| Certificate of Formation (LLC) | $200 | Alabama Secretary of State | (sos.alabama.gov) |
| Alabama Tax ID (MAT) | $0 | My Alabama Taxes portal (3–5 days) | (revenue.alabama.gov) |
| County Business Privilege License | Varies | County Probate/License Office (renew by Oct 31) | (revenue.alabama.gov) |
| Business Privilege Tax | Minimum 50∗∗ifotherwise∗∗50** if otherwise **100; rate 0.25–0.25–1.75 per $1,000 | File PPT/CPT via MAT | (revenue.alabama.gov) |
| Certificate of Compliance (often for bank) | $14 | ADOR online | (howtostartanllc.org) |
Step 2 — Get no‑cost expert help (women‑centered and statewide)
- Women’s Business Center (The Catalyst): Coaching, classes, funding navigation for women across Alabama. Phone: 256‑428‑8190. Offices in Huntsville (WBC North Alabama) and REACH WBC (central/south). (catalystcenter.org, madeinalabama.com)
- Alabama SBDC Network: Free one‑on‑one advising (business plans, lender introductions, exporting, capital access). Hotline: 877‑825‑7232. (asbdc.org)
- SCORE (free mentoring): Chapters serve Birmingham, Montgomery, Mobile (remote sessions statewide). Use the SBA directory or local chapters. For state SBA help, call 205‑290‑7101 (Birmingham District Office). (sba.gov)
- APEX Accelerator (formerly PTAC): If you sell to government, get help with SAM, WOSB, HUBZone, DBE, and bid matching. Phone: 205‑348‑1687. (apexal.org)
What to do if this doesn’t work: If you can’t reach a local office, email the SBA Alabama District Office for a warm referral or call 205‑290‑7101. (sba.gov)
Step 3 — Use the biggest Alabama funding avenues first
A. Innovate Alabama SSBCI Capital (active now)
- Why it matters: Alabama has $97.9 million in U.S. Treasury SSBCI funds to expand lending and venture capital. Programs are operated by Innovate Alabama and the Alabama Department of Finance. (home.treasury.gov)
- LendAL (debt): State credit support reduces lender risk and requires lenders to pass along a 0.25%–0.50% rate reduction during the first two years. Loan sizes generally 10,000–10,000–5,000,000. Apply through an “Approved Lender” or ask your bank to enroll. (home.treasury.gov, innovatealabama.org)
- InvestAL (equity): State makes direct investments of 5,000–5,000–1,000,000 into Alabama‑headquartered startups (1:1 private match required) and invests in VC funds that, in turn, invest in Alabama companies. (innovatealabama.org)
- Technical assistance: SBDC and Mobile Chamber partners provide legal/accounting/finance help tied to SSBCI applications. (innovatealabama.org)
How to apply:
- LendAL: Talk to your current bank first; then submit the Borrower Interest Form and check the Approved Lenders list. Email: SSBCI‑LendAL@InnovateAlabama.org. (innovatealabama.org)
- InvestAL: Submit a founder interest form and be ready with financials, pitch deck, and a private match. Email: SSBCI‑InvestAL@InnovateAlabama.org. (innovatealabama.org)
Timelines:
- LendAL follows lender underwriting; expect decisions on lender timelines (often 2–6 weeks depending on readiness).
- InvestAL is venture‑style diligence (plan for 6–12 weeks from first meeting to close depending on stage and match); prepare early.
What to do if this doesn’t work: If your bank says “no,” request an introduction to a CDFI (TruFund, LiftFund, HOPE) via SBDC, or pivot to an SBA Microloan (below). (asbdc.org)
B. Alabama Launchpad (non‑dilutive prizes + mentoring)
- What it is: Alabama’s longest‑running startup competition run by EDPA; now three tracks with bigger prizes: 100,000∗∗(LifeSciences),∗∗100,000** (Life Sciences), **75,000 (Tech), 50,000∗∗(ConsumerGoods).Finalistsreceivea∗∗50,000** (Consumer Goods). Finalists receive a **2,500 stipend and structured mentorship. (alabamalaunchpad.com)
- 2025 cycle highlights: Priority and final deadlines posted on the Launchpad schedule; for Cycle 2 2025, priority was June 28 and final August 18 with finalists announced in September and a November showcase. Check the live schedule page for current dates. Contact EDPA at 205‑943‑4700. (alabamalaunchpad.com, edpa.org)
What to do if this doesn’t work: If you’re very early, ask SBDC/WBC to review your model and help you prep for the next cycle; consider local pitch nights to practice while you build traction. (asbdc.org)
C. Innovate Alabama Supplemental Grant (for SBIR/STTR awardees)
- What it is: Non‑dilutive state grant that stacks on your federal SBIR/STTR. Phase I can receive 50% of your federal award up to 100,000∗∗;∗∗PhaseII∗∗upto∗∗100,000**; **Phase II** up to **250,000. Applications reopen Summer 2025 (applications currently closed). Residency rules allow relocation within 12 months after funds to meet Alabama requirements. (innovatealabama.org, tfaforms.com)
What to do if this doesn’t work: If you don’t yet have SBIR/STTR, attend an SBDC/SBIR workshop and target a federal agency topic, then plan to apply for the state supplement next round. (asbdc.org)
Step 4 — If you need a loan, go where Alabama lenders say “yes” to startups
A. SBA Microloans (up to $50,000; great for first‑time borrowers)
- Amounts and terms: Up to 50,000∗∗,maximum∗∗6‑year∗∗term.Intermediariessetrates;SBAcapsthem(intermediaryrateplus∗∗7.7550,000**, maximum **6‑year** term. Intermediaries set rates; SBA caps them (intermediary rate plus **7.75%** if loan is over **10,000, plus 8.5% if $10,000 or less). (sba.gov)
- Intermediaries serving Alabama:
- Community Enterprise Investments, Inc. (CEII) — microloans in 45 Alabama counties; Phone: 850‑595‑6234 x203. (ceii-cdc.org)
- TruFund Financial Services — statewide Alabama lending; Phone: 205‑715‑2710. (trufund.org)
- LiftFund — statewide Alabama lending; Phone: 888‑215‑2373. (liftfund.com)
- How to apply:
- Prepare a simple business plan, 12‑month cash flow, personal taxes, and a copy of ID.
- Call your chosen CDFI to pre‑screen by phone before submitting.
- Timeline expectations: With a complete file, many microloans can decide in 2–4 weeks.
What to do if this doesn’t work: Ask SBDC to package for LendAL with a local bank or consider a smaller initial amount to build history, then refinance once revenue stabilizes. (innovatealabama.org)
B. Community Development Financial Institutions (CDFIs) in Alabama
These mission lenders are more flexible for new businesses and women founders.
| CDFI | Typical products | Contact |
|---|---|---|
| TruFund Financial Services | Micro to small business loans; advisory support | 205‑715‑2710; Birmingham office |
| LiftFund | Microloans and small business loans statewide | 888‑215‑2373 |
| HOPE Credit Union | Small business loans up to $250,000; branches in Birmingham and Montgomery | Birmingham 205‑326‑3852; Montgomery 334‑834‑7483/334‑604‑4110 |
| CEII (SBA Microloan) | 2,000–2,000–50,000 microloans (many AL counties) | 850‑595‑6234 x203 |
What to do if this doesn’t work: If the payment is too high, ask about longer terms or collateral support via LendAL; work with SBDC to trim startup costs and right‑size the loan. (home.treasury.gov)
Step 5 — Open government contracting doors built for women
- Women‑Owned Small Business (WOSB/EDWOSB): Federal goal is 5% to women‑owned firms. Get free certification via MySBA Certifications; EDWOSB financial thresholds include personal net worth under 850,000∗∗,averageAGI∗∗850,000**, average AGI **400,000 or less, and personal assets $6.5 million or less (retirement accounts excluded). (sba.gov)
- HUBZone: If your principal office and 35% of employees are in a HUBZone, you can compete for set‑asides and get a 10% price‑evaluation preference. Map updated in 2023; next major update in 2026 and 2028 cycles. (sba.gov, prod.sba.gov)
- Get help today: Call APEX Accelerator 205‑348‑1687 to check your eligibility and get bid matches. (apexal.org)
What to do if this doesn’t work: If your address isn’t HUBZone, consider hiring from HUBZone areas to meet the 35% employee rule, pursue WOSB set‑asides, or target state/local contracts with DBE certification through ALDOT. (sba.gov)
Grants and non‑dilutive funding snapshots
A. SBIR/STTR (federal R&D grants)
- Typical current caps (national): As of late 2024/2025, SBA hard caps are approximately 314,363∗∗(PhaseI)and∗∗314,363** (Phase I) and **2,095,748 (Phase II), with some agencies (e.g., NIH) allowing waivers for specific high‑cost topics. NSF Phase I is up to 305,000∗∗;NSFPhaseIIupto∗∗305,000**; NSF Phase II up to **1,250,000. (niaid.nih.gov, nsf.gov)
- Why it matters in Alabama: Qualify for SBIR/STTR and you may stack Innovate Alabama’s Supplemental Grant (100,000/∗∗100,000/**250,000). (innovatealabama.org)
What to do if this doesn’t work: If you’re not doing R&D, focus on Launchpad or SSBCI/loans; don’t waste time on SBIR unless your product is truly research‑heavy with a federal customer in mind. (alabamalaunchpad.com)
B. Alabama Launchpad (non‑dilutive, any founder stage)
- Prize levels: Up to 100,000∗∗(LifeSciences),∗∗100,000** (Life Sciences), **75,000 (Tech), 50,000∗∗(ConsumerGoods);finaliststipend∗∗50,000** (Consumer Goods); finalist stipend **2,500. See the current schedule for deadlines like June 28 priority and August 18 final in Cycle 2 2025. (alabamalaunchpad.com)
Reality check: It’s competitive; success comes from customer traction and sharp storytelling. Ask WBC/SBDC to run a mock pitch with you. (catalystcenter.org, asbdc.org)
Alabama child care, food, and cash support while you build
Keeping your kids safe and fed is non‑negotiable. Alabama programs can bridge gaps while you start or grow your business.
Child care subsidy (DHR)
- Who qualifies: Alabama residents working or in school/training with income under DHR limits. Priority categories (e.g., Protective Services, Foster Care, TANF‑Other Relative, Special Needs, Early Head Start–Child Care) may have parent fees waived ($0/week). (dhr.alabama.gov)
- Current fee scale (effective January 1, 2025): For a family of 3, initial eligibility 0–0–2,152/month has a 0/week∗∗fee;higherbandscarrymodestweeklyfees(∗∗0/week** fee; higher bands carry modest weekly fees (**18–$45 per child) up to 200% FPL for continuing eligibility. See the official chart for all sizes. (dhr.alabama.gov)
- How to apply: Use the DHR Family Portal and contact your regional Child Care Management Agency.
What to do if this doesn’t work: Ask your employer or your own LLC’s Alabama tax preparer about new state tax credits for employer‑supported child care (effective 2025), which can help subsidize slots or stipends. (apnews.com)
SNAP (Food Assistance)
- FY 2025 Alabama max benefits: Household of four 975/month∗∗;minimumbenefit∗∗975/month**; minimum benefit **23. Effective: Oct 1, 2024 – Sep 30, 2025. (fns.usda.gov)
- Apply online: Use Alabama’s ACES Self‑Service Portal (SSP); interviews can be by phone. (dhr.alabama.gov)
What to do if this doesn’t work: If your case is delayed, ask your caseworker about “expedited SNAP” for households with extremely low income and minimal resources. (fns.usda.gov)
TANF cash assistance (Family Assistance)
- Note: Alabama increased TANF payments in recent years, but benefit levels remain low; check current amounts with DHR. Alabama DHR administers TANF and posts program rules and updates. (dhr.alabama.gov, alabamareflector.com)
Local organizations and lenders that actually pick up the phone
| Organization | What they do | Contact |
|---|---|---|
| The Catalyst – Alabama Women’s Business Center | Women‑focused coaching, funding prep, gov contracting pathways | 256‑428‑8190 |
| Alabama SBDC Network | Free advising statewide; capital access; lender introductions | 877‑825‑7232 |
| Alabama APEX Accelerator | Federal/state/local contracting readiness; WOSB/HUBZone | 205‑348‑1687 |
| SBA Alabama District Office | SBA programs, local partners, lender referrals | 205‑290‑7101 |
| Birmingham Business Resource Center | Access to capital, Community Advantage/504, workshops | 205‑250‑6380 |
| TruFund Financial Services | Loans and advisory for underserved entrepreneurs | 205‑715‑2710 |
| LiftFund | Microloans and small business loans | 888‑215‑2373 |
| HOPE Credit Union | Small business lending (community focus) | Birmingham 205‑326‑3852; Montgomery 334‑834‑7483/334‑604‑4110 |
| CEII (SBA Microloan) | Microloans in 45 AL counties | 850‑595‑6234 x203 |
Application checklist
- Business identity: LLC filing or business license, EIN, Alabama Tax ID.
- Personal documents: Photo ID, last 2 years of personal tax returns.
- Business plan: One‑pager plus 12‑month cash flow; include child care plan.
- Proof of need: Quotes for equipment, lease draft, supplier invoices.
- Credit: Pull your own reports; write a short explanation for any issues.
- References: At least 2 supplier or customer references.
- For SSBCI/InvestAL: Pitch deck, financial statements, term sheet for your private match.
- For Launchpad: Pitch deck, 3‑minute story, traction metrics, and a clear ask.
Tip: Label each file: “Lastname_Business_ItemName.pdf”. Advisors and lenders move faster when your documents are tidy.
Common mistakes to avoid
- Missing Alabama name reservation: Your LLC filing will get delayed without it. Fee: $25. (law.justia.com)
- Skipping the county Business Privilege License: Banks and local inspectors often ask for it before opening or permitting. Renew by October 31 at your county office. (revenue.alabama.gov)
- Asking for the wrong amount: Microloans are capped at $50,000 with tighter terms; larger facility or construction needs may fit LendAL with a bank partner. (sba.gov, home.treasury.gov)
- Ignoring child care support: The DHR fee chart might reduce your weekly fee to 0–0–45 per child; that can be the difference between launching and stalling. (dhr.alabama.gov)
Realistic timelines
- LLC filing: Online submission and approvals can be quick once your name is reserved; allow time to receive stamped documents. Fee: 200∗∗plusnamereservation∗∗200** plus name reservation **25. (sos.alabama.gov, law.justia.com)
- MAT account and tax number: Expect 2–5 business days after online registration. (revenue.alabama.gov)
- Microloan: With a complete package, expect 2–4 weeks.
- LendAL/Bank loan: Underwriting varies; plan 3–6+ weeks.
- Launchpad: From application to finale can span 8–12+ weeks depending on cycle; see posted schedule (e.g., June 28 priority; August 18 final; finalists September; finale November). (alabamalaunchpad.com)
Diverse communities
- LGBTQ+ single mothers: Action: Work with the Women’s Business Center and SBDC to identify inclusive lenders (CDFIs above are strong options). Federal WOSB certification is orientation‑neutral; focus on NAICS codes with WOSB set‑asides. (sba.gov)
- Single mothers with disabilities or disabled children: Action: Ask lenders about payment holidays or interest‑only periods; the APEX Accelerator can help find set‑aside contracts that fit your capacity, and DHR subsidy waivers may reduce child care costs to $0/week in priority categories. (apexal.org, dhr.alabama.gov)
- Veteran single mothers: Action: Combine WOSB with veteran‑focused small business certifications, then target DoD and VA buyers through APEX; verify HUBZone eligibility for added edge. (sba.gov)
- Immigrant/refugee single moms (eligible for services): Action: CDFIs like LiftFund, TruFund, and HOPE consider alternative credit stories; SBDC can help with licensing and MAT registration; WOSB requires U.S. citizenship. (sba.gov, liftfund.com, trufund.org, hopecu.org)
- Tribal‑specific resources: Action: If your business serves tribal communities or is tribally owned, HUBZone and federal set‑asides may apply; connect with APEX for bid strategy. (sba.gov)
- Rural single moms with limited internet: Action: Call SBDC 877‑825‑7232 to book phone appointments; HOPE Credit Union and TruFund serve rural counties; SSBCI targets underserved (SEDI) areas statewide. (asbdc.org, product.hopecu.org, trufund.org, innovatealabama.org)
- Single fathers: Action: All services above apply equally; WBC programs welcome men when space allows.
- Language access: Action: DHR and many state sites offer Spanish; APEX and SBDC can arrange accommodations. (dhr.alabama.gov)
Government certifications that can move revenue faster
- WOSB/EDWOSB: Certify at MySBA Certifications; EDWOSB financial thresholds include personal net worth under 850,000∗∗,AGIunder∗∗850,000**, AGI under **400,000, personal assets under $6.5 million. (sba.gov)
- HUBZone: Check your address on the HUBZone map; watch 2026/2028 updates. Recertification every 3 years. (sba.gov, maps.certify.sba.gov)
- DBE (transportation): If you sell into ALDOT‑funded projects, explore DBE certification for state‑managed federally‑assisted contracts (contact APEX for first steps). (apexal.org)
Tables you can use now
Table — Top Alabama startup grants and competitions
| Program | Max award | Notes | Where to apply |
|---|---|---|---|
| Innovate Alabama Supplemental Grant | 100,000∗∗(PhaseI);∗∗100,000** (Phase I); **250,000 (Phase II) | Must have active SBIR/STTR; rounds reopen Summer 2025 | (innovatealabama.org, tfaforms.com) |
| Alabama Launchpad | 100,000∗∗/∗∗100,000** / **75,000 / 50,000∗∗bytrack;∗∗50,000** by track; **2,500 finalist stipend | Two cycles a year; mentorship + closed‑door investor committees | (alabamalaunchpad.com) |
| SBIR/STTR (federal) | Up to about 314,363∗∗(PhaseIhardcap)and∗∗314,363** (Phase I hard cap) and **2,095,748 (Phase II hard cap) | Varies by agency; some waivers allow higher | (niaid.nih.gov) |
Table — Lenders and capital programs for Alabama founders
| Program/Lender | Amounts | Who it fits | Contact |
|---|---|---|---|
| LendAL (SSBCI) | 10,000–10,000–5,000,000; initial rate reduction 0.25–0.50% | Bankable or near‑bankable borrowers needing support | SSBCI team; see Approved Lenders |
| InvestAL (SSBCI) | 5,000–5,000–1,000,000 direct equity (1:1 match) | High‑growth startups | InvestAL founder interest form |
| CEII SBA Microloan | 2,000–2,000–50,000 | Very early/first‑time borrowers | 850‑595‑6234 x203 |
| TruFund | Typically 10,000–10,000–250,000+ | Underserved entrepreneurs | 205‑715‑2710 |
| LiftFund | 500–500–500,000 (varies) | Startups and micro‑enterprises | 888‑215‑2373 |
| HOPE Credit Union | Up to $250,000 small business | Community‑focused lending | Branch phones above |
Table — Child care subsidy quick figures (Jan 2025)
| Family size | Initial eligibility (monthly income) | Weekly fee per child |
|---|---|---|
| 3 | 0–0–2,152 | $0 |
| 3 | 2,153–2,153–2,367 | $18 |
| 3 | … up to continuing eligibility 4,089–4,089–4,303 | $45 |
| 4 | 0–0–2,600 | $0 |
| 4 | 2,601–2,601–2,860 | $18 |
| 4 | … up to continuing eligibility 4,681–4,681–5,200 | $45 |
Source: DHR Child Care Fact Sheet effective January 1, 2025; see full chart for all sizes. (dhr.alabama.gov)
Table — SNAP max allotments (FY 2025) for Alabama
| Household size | Max benefit |
|---|---|
| 1 | $292 |
| 2 | $536 |
| 3 | $768 |
| 4 | $975 |
Effective: Oct 1, 2024 – Sep 30, 2025 (48 states/DC). (fns.usda.gov)
Table — Who to call for what
| Need | First call | Backup |
|---|---|---|
| Find the right lender/fund | Alabama SBDC 877‑825‑7232 | WBC 256‑428‑8190 |
| Certifications/bids | APEX 205‑348‑1687 | SBA Alabama 205‑290‑7101 |
| Pitch competition info | EDPA 205‑943‑4700 | SBDC/HUB events |
| Child care subsidy | DHR portal | Regional CMA office |
Real‑world examples you can copy
- Food‑based side hustle to storefront: A Mobile mom working nights used a $15,000 microloan to buy a commercial mixer and a used display case. She registered for a sales tax account via MAT (free, 2–5 days), and secured a county license before opening in a shared market stall. Six months later, she refinanced with LendAL through her local bank to buy a second oven. (revenue.alabama.gov, home.treasury.gov)
- Tech service firm into government contracting: A Huntsville mom with IT experience got WOSB certified and worked with APEX to set up a DSBS/SBS profile and a bid‑match feed. Her first subcontract was a WOSB set‑aside task order at Redstone Arsenal; she’s now preparing a HUBZone move to increase advantages. (sba.gov, apexal.org)
FAQs (Alabama‑specific)
- Where can I get a fast answer on which SSBCI program I fit: Email SSBCI‑LendAL@InnovateAlabama.org for loans or SSBCI‑InvestAL@InnovateAlabama.org for equity, and loop in SBDC (877‑825‑7232) to prep documents. (innovatealabama.org, asbdc.org)
- Do I really have to reserve an LLC name in Alabama: Yes. Fee: 25∗∗;youmustreservebeforefilingyourCertificateofFormation(∗∗25**; you must reserve before filing your Certificate of Formation (**200). (law.justia.com, sos.alabama.gov)
- When is my Alabama Business Privilege Tax due: For LLCs, generally the 15th day of the 3rd month after your tax year begins (e.g., calendar‑year due March 15). Minimum tax may be 50∗∗ifyourcalculatedliabilitywouldbe∗∗50** if your calculated liability would be **100. (revenue.alabama.gov)
- Is there a true startup grant for non‑tech businesses: State “grants” are limited; focus on Launchpad (non‑dilutive prizes), SSBCI‑backed loans, and CDFIs. Avoid sites promising guaranteed government grants for for‑profits. (alabamalaunchpad.com)
- What’s the fastest path to money for inventory or a van: Prepare a 12‑month cash flow and call CEII (850‑595‑6234 x203), TruFund (205‑715‑2710), or LiftFund (888‑215‑2373). Ask if your bank can use LendAL to reduce the rate. (ceii-cdc.org, trufund.org, liftfund.com, home.treasury.gov)
- How much is SNAP right now for a family of four in Alabama: Max $975/month through September 30, 2025. Apply via ACES SSP. (fns.usda.gov, dhr.alabama.gov)
- Can child care fees really be reduced to $0: Yes, for households in priority categories or at/below 100% FPL per the DHR fee chart effective January 1, 2025. (dhr.alabama.gov)
- Who runs Alabama Launchpad and how do I contact them: EDPA runs it; call 205‑943‑4700 and check the online schedule for deadlines (e.g., June 28 priority, August 18 final for Cycle 2 2025). (edpa.org, alabamalaunchpad.com)
- I heard about an Alabama SBIR add‑on grant: That’s Innovate Alabama’s Supplemental Grant: up to 100,000∗∗(PhaseI)or∗∗100,000** (Phase I) or **250,000 (Phase II). Next round Summer 2025. (innovatealabama.org, tfaforms.com)
- Who can I call at SBA in Alabama: SBA Alabama District Office 205‑290‑7101 (Birmingham). There’s also an alternate site in Mobile. (sba.gov)
What to do if a path above doesn’t work
- If lenders keep saying “too early”: Reduce the ask; start with an SBA Microloan for equipment + working capital, or shift to a service model with low upfront costs. (sba.gov)
- If your pitch loses at Launchpad: Ask for judge feedback and re‑enter next cycle. Meanwhile, apply to SSBCI programs and build 3 months of revenue proof.
- If child care is the blocker: Apply for DHR subsidy immediately; confirm your weekly fee band. Talk to your employer/client about flexible hours until a slot opens. (dhr.alabama.gov)
About This Guide
Compiled by the ASingleMother.org Editorial Team: Our dedicated researchers focus on government assistance and small‑business navigation for single‑parent families. This guide uses only official sources and established nonprofits (Innovate Alabama, EDPA, SBA, ADOR, DHR). It follows our Editorial Standards for source verification, link testing, and prompt corrections. This content is independent from government agencies and not a substitute for official guidance. Individual outcomes are not guaranteed. Last verified September 2025; next review April 2026.
Contact for corrections: info@asinglemother.org
Disclaimer
Accuracy and updates: Program rules, amounts, and deadlines change. Always verify details on the official websites linked above before you apply.
Security and privacy: Only use secure, official sites for applications (addresses ending with .gov or recognized program domains). Avoid sharing sensitive information over public Wi‑Fi or with unsolicited callers. Keep your devices updated and use strong passwords to protect personal and business data.
Sources (selected)
- Innovate Alabama Supplemental Grant: amounts, eligibility, status. (innovatealabama.org, tfaforms.com)
- Alabama Launchpad: 2025 track amounts; cycle schedule. (alabamalaunchpad.com)
- SSBCI Alabama programs: program portfolio, allocations, contacts; InvestAL/LendAL pages. (home.treasury.gov, innovatealabama.org)
- SBA Microloan: maximum amounts, terms, rate caps. (sba.gov)
- CDFIs: CEII microloan service area and contact; TruFund Alabama; LiftFund Alabama; HOPE small‑business lending and branches. (ceii-cdc.org, trufund.org, liftfund.com, hopecu.org, product.hopecu.org)
- Alabama SBDC: hotline and statewide coverage. (asbdc.org)
- APEX Accelerator (PTAC): statewide program and contact. (apexal.org)
- WOSB: eligibility and EDWOSB financial thresholds. (sba.gov)
- HUBZone: benefits and map updates. (sba.gov, prod.sba.gov)
- Alabama formation and taxes: LLC filing 200∗∗andnamereservationrequirement∗∗200** and name reservation requirement **25; Business Privilege Tax minimum 50∗∗(whenotherwise∗∗50** (when otherwise **100), rate range, due dates; MAT registration timelines. (sos.alabama.gov, law.justia.com, revenue.alabama.gov)
- Child Care Subsidy: income bands and weekly fee chart effective Jan 1, 2025. (dhr.alabama.gov)
- SNAP FY 2025: maximum allotments and deductions memo. (fns.usda.gov)
If you find an error or a broken link, email info@asinglemother.org and we’ll investigate within 48–72 hours per our editorial standards.
🏛️More Alabama Resources for Single Mothers
Explore all assistance programs in 34 categories available in Alabama
- 📋 Assistance Programs
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- 🌾 Rural Single Mothers Assistance
- ♿ Disabled Single Mothers Assistance
- 🎖️ Veteran Single Mothers Benefits
- 🦷 Dental Care Assistance
- 🎓 Education Grants
- 📊 EITC and Tax Credits
- 🍎 SNAP and Food Assistance
- 🔧 Job Training
- ⚖️ Legal Help
- 🧠 Mental Health Resources
- 🚗 Transportation Assistance
- 💼 Job Loss Support & Unemployment
- ⚡ Utility Assistance
- 🥛 WIC Benefits
- 🏦 TANF Assistance
- 🏠 Housing Assistance
- 👶 Childcare Assistance
- 🏥 Healthcare Assistance
- 🚨 Emergency Assistance
- 🤝 Community Support
- 🎯 Disability & Special Needs Support
- 🛋️ Free Furniture & Household Items
- 🏫 Afterschool & Summer Programs
- 🍼 Free Baby Gear & Children's Items
- 🎒 Free School Supplies & Backpacks
- 🏡 Home Buyer Down Payment Grants
- 🤱 Postpartum Health & Maternity Support
- 👩💼 Workplace Rights & Pregnancy Protection
- 🛡️ Domestic Violence Resources & Safety
- 💻 Digital Literacy & Technology Assistance
- 🤱 Free Breast Pumps & Maternity Support
- 📈 Credit Repair & Financial Recovery
