Business Grants and Resources for Single Mothers in Indiana
Business Startup, Small Business & Entrepreneurship Assistance and Grants for Single Mothers in Indiana
Last updated: September 2025
Emergency help first
If you are in a crisis, stabilize your household before you take on a startup.
- Call 211: Free 24/7 referrals to food, rent, utilities, legal help, child care, and more in every Indiana county.
- Call 911: If you or your children are in immediate danger.
- Call the National Domestic Violence Hotline: 800-799-7233 for confidential safety planning and shelter referrals.
- Apply for emergency food: Ask about expedited SNAP that can be issued in as little as seven days when you meet specific hardship rules; start at your local FSSA Division of Family Resources office or online. (fns.usda.gov)
Quick help box
- Start here: Make a no-cost appointment with your nearest Indiana Small Business Development Center (Indiana SBDC). They provide one-on-one advising, help with funding applications, and connections to state programs. Phone: 888-472-3244. (isbdc.org)
- Looking for real, non‑BS funding: Apply to state programs that are open this year. The Indiana Technical Assistance Program (INTAP) funds up to $15,000 in professional services for specific growth projects; 2025 applications ran Jan 15–Feb 21, 2025. If the current year’s window is closed, get on the SBDC list now so you’re ready for the next round. (iedc.in.gov)
- **Need a starter loan under 50,000∗∗∗∗:AskanSBAmicrolender;theSBAMicroloanprogramgoesupto∗∗50,000****: Ask an SBA microlender; the SBA Microloan program goes up to **50,000 (average about $13,000), with maximum terms up to seven years. Interest is set by the local intermediary; SBA says it’s “generally between 8%–13%.” (sba.gov)
- Credit not perfect: Explore Indiana’s SSBCI “Legend Fund” loans administered through mission‑driven lenders — loans from 5,000–5,000–1,000,000. Programs run until 2031 or until funding is gone. (iedc.in.gov)
- Selling to government: Get free help from the Indiana APEX Accelerator to register in SAM.gov, find bids, and understand certifications. They do not give grants or loans but will prep you to win contracts. (inapex.org)
- Child care while you build: If you have a 4‑year‑old, Indiana’s On My Way Pre‑K provides vouchers up to $6,800 for 2025–2026 with income at or below 140% FPL and a parent in work/school/job training. Slots are capped statewide, so apply early. For other ages, see CCDF child care assistance. (in.gov)
- Keep food on the table: SNAP maximum for a family of four in Indiana is $975/month through Sep 30, 2025 (other household sizes below). Apply online with FSSA. (fns.usda.gov)
Why this guide is different
What you told us you need: precise dollar amounts, deadlines, real contacts, and Plan B options if things don’t pan out.
What many top search results miss: they list old COVID funds, national “grant lists” with paywalls, or generic advice with no Indiana specifics. This guide sticks to official Indiana and federal programs — with amounts, timelines, and links you can click today.
Quick reference cheat sheet
| Step | What to do | Cost or amount | Where to do it |
|---|---|---|---|
| Form your entity | Register your LLC/corp, then calendar your Business Entity Report | $32 online for the biennial Business Entity Report | File or check due date on INBiz (Business Entity Report page shows fees and cycles). (inbizuat.soi.in.gov) |
| Get sales tax set‑up (if selling goods) | Register for Registered Retail Merchant Certificate (RRMC) | $25 per location per entity one‑time application fee | Indiana DOR – Sales Tax/RRMC (in.gov) |
| No‑cost advising | Become an SBDC client to unlock state programs | $0 | Find your SBDC region or 888-472-3244 (isbdc.org) |
| State technical services grant | INTAP professional services | Up to $15,000; 2025 window was Jan 15–Feb 21 | Indiana SBDC – INTAP (via Indiana SBDC) (iedc.in.gov) |
| Export mini‑grant | IN‑STEP reimbursements | Up to 80% of eligible costs, yearly cap $15,000 | IN‑STEP overview and portal (iedcportal.iedc.in.gov, iedc.in.gov) |
| SSBCI capital | Legend Fund loans | 5,000–5,000–1,000,000; prioritizes underserved founders | IEDC – SSBCI/Legend Fund (iedc.in.gov) |
| Federal starter loan | SBA Microloan | Up to 50,000∗∗;max∗∗7years∗∗;avgloan∗∗ 50,000**; max **7 years**; avg loan **~13,000 | SBA Microloans (sba.gov) |
| Women’s certifications | State WBE, federal WOSB | $0 application fee; helps with contracting goals | IDOA Supplier Diversity WBE and SBA WOSB (in.gov) |
| Highway/airport contracting | INDOT DBE certification | $0; helps on USDOT‑funded projects | INDOT DBE program (in.gov) |
The fastest path to traction in Indiana
Indiana SBDC — your first call
Why it matters: Most of the state’s best programs expect you to be an SBDC client. Becoming a client is free and unlocks hands‑on help with feasibility, financials, and applications.
How to act today:
- Call: 888-472-3244 to get routed, or contact your region directly — for example, Central Indiana SBDC at Butler University 317-940-3919, Northeast Indiana SBDC at Purdue Fort Wayne 260-481-0500. (isbdc.org, isbdc.org)
- Ask for: A readiness session focused on either INTAP, IN‑STEP, SSBCI Legend Fund, or SBA financing — whichever fits your next 90 days.
What to bring:
- A one‑page plan: problem, solution, customers, price, 6‑month milestones.
- A simple budget: startup costs and three months of living costs.
- A draft quote: for any technical service (web, IP attorney, POS, prototypes) you might seek under INTAP.
What to do if this doesn’t work: If your regional office is backed up, register for the next SBDC webinar and ask to be waitlisted for a 1:1 advising slot — note that being an SBDC client is an eligibility box for multiple IEDC programs, so it’s worth the wait. (iedc.in.gov)
Indiana funding and assistance you can actually use
Indiana Technical Assistance Program (INTAP)
What it is: A state‑funded voucher for up to $15,000 of professional services (e.g., app development, IP counsel, POS/inventory upgrades, SBIR/STTR grant writing). Projects must finish within five months and by year‑end. 2025’s application window ran Jan 15–Feb 21, 2025. (iedc.in.gov)
Eligibility:
- Be an Indiana SBDC client.
- Have a physical presence in Indiana and use an Indiana vendor.
- Be able to complete within five months. (iedc.in.gov)
How to apply:
- Step 1: Become an SBDC client and request an INTAP info session.
- Step 2: Collect a firm vendor quote and a 5‑month workplan.
- Step 3: Submit during the application window; watch email for decisions.
Timeline: Typical projects start in spring and must wrap by Dec 31 of the program year. (iedc.in.gov)
Reality check: This is not cash to you — it pays your vendor. Choose a vendor with capacity and a fixed‑fee scope.
What to do if this doesn’t work: If you miss the window, ask your SBDC if your project fits the Innovation Voucher or FAST/SBIR support path, or re‑scoping into an SBA Microloan under $50,000 to buy the same services faster. (iedc.in.gov)
SSBCI Legend Fund (state small business credit)
What it is: A loan participation program that channels up to 29million∗∗tomission‑drivenlenderstomakemoresmall‑businessloans—especiallytounderservedfounders.Loanstypically∗∗29 million** to mission‑driven lenders to make more small‑business loans — especially to underserved founders. Loans typically **5,000–$1,000,000 for operating capital. Programs run until 2031 or when funds are exhausted. (iedc.in.gov)
How to apply:
- Step 1: Fill out the brief “find a lender” intake on the SSBCI site; you’ll receive a list of active lenders.
- Step 2: Book a lender intro; ask about rates, fees, and whether Legend Fund participation applies.
- Step 3: If needed, choose a Technical Assistance provider (free) to prep your application. (iedc.in.gov)
Reality check: You’ll need a business bank account, tax returns if available, and a clear use of funds. Underwriting still applies.
What to do if this doesn’t work: Pair SBDC advising with an SBA Microloan request and ask about local CDFIs that also lend outside SSBCI.
IN‑STEP export reimbursements
What it is: Reimbursement grants that cover up to 80% of eligible export expenses for trade shows, missions, and federal export services, capped at $15,000 per business per calendar year. Current funding covers through September 2026 (or until funds run out). Decisions typically within 30 business days after a complete submission. (iedcportal.iedc.in.gov, iedc.in.gov)
Best for: Product sellers or services with real export potential (e.g., medical devices, ag, tech) who are “new to export” or growing into a new market.
Apply: Review the expense guidelines, then apply via the IEDC portal at least 15 days before the activity start date. (iedcportal.iedc.in.gov, iedc.in.gov)
What to do if this doesn’t work: Use the Export Indiana Accelerator Program (no‑cost cohort) to prep for the next grant cycle. (iedc.in.gov)
FAST program, SBIR/STTR support and state matching
What it is: Indiana partners with the Applied Research Institute to deliver SBIR/STTR advising and matching grants for Phase I/II awardees. Typical federal awards range from about 50,000–50,000–275,000 for Phase I and 750,000–750,000–1.8 million for Phase II, depending on the agency; Indiana provides flexible matches to help you commercialize. (iedc.in.gov)
Apply: Start at IEDC’s FAST page, then connect to ARI’s portal for specialty advising and matching details. (iedc.in.gov)
What to do if this doesn’t work: If you’re not R&D‑focused, redirect your effort toward Legend Fund debt capital or an SBA loan with help from SBDC.
Federal financing most single‑mom founders actually use
SBA Microloans — up to $50,000
Good fit: Home‑based baker, beauty owner, food truck, daycare, cleaning, mobile retail, freelancers stepping up — when you need 1,500–1,500–50,000.
Key facts:
- Maximum: 50,000∗∗;averageabout∗∗50,000**; average about **13,000.
- Term: Up to 7 years.
- Rates: Set by the intermediary; SBA says generally 8%–13%.
- Uses: Working capital, inventory, supplies, furniture/fixtures, equipment.
- Cannot: Refinance existing debt or buy real estate. (sba.gov)
How to find a microlender: Ask SBA Indiana or your SBDC for active SBA microlenders serving your county. SBA Indiana District Office phone: 317-226-7272. (sba.gov)
What to do if this doesn’t work: Try a Legend Fund lender for amounts above $50,000, or look at Kiva community‑backed microloans if you can’t document traditional credit (ask SBDC/WBC to refer).
SBA 7(a) and 504 — for bigger moves
- 7(a) loans: Up to $5 million for working capital, equipment, buying a business, or owner‑occupied real estate. Rates are negotiated but capped; example cap bands show the maximum is the base rate plus 3.0%–6.5% depending on loan size. (sba.gov)
- 504 loans: Fixed‑rate financing for major assets (real estate/equipment) typically structured 50/40/10 (bank/CDC/borrower equity). Terms 10 or 25 years for the CDC portion. (sba.gov)
How to proceed: Use SBA’s Lender Match or ask the Indiana SBDC to curate introductions. Keep two‑year tax returns, a basic business plan, personal financial statement, and a use‑of‑funds list.
What to do if this doesn’t work: Scale down scope and price into an SBA Microloan, or pursue state Legend Fund capital for a staged build‑out.
Certifications and contracting — the doors you can open
State of Indiana WBE certification
Why it matters: State agencies and many universities set supplier diversity goals. Certification helps primes find you for subcontracts and puts you in the state’s directory.
- Where to apply: Indiana Department of Administration, Division of Supplier Diversity.
- Cost: $0.
- Term: Valid 3 years, with an annual Affidavit of Continued Eligibility.
- Contact: 317-232-3061; portal access through Access Indiana. (in.gov)
What to do if this doesn’t work: Ask the office about application coordinator assistance; they offer webinars and one‑on‑one support. (faqs.in.gov)
INDOT DBE certification (USDOT)
Why it matters: Required for work on federally funded highway and airport projects.
- Cost: $0.
- Eligibility: Small business under SBA size standards with personal net‑worth limits for qualifying owners; see INDOT’s DBE page.
- How to search opportunities: Use the online DBE directory to see who buys what and how firms are coded. (in.gov)
What to do if this doesn’t work: Get help from the Indiana APEX Accelerator to prep your application or to target teaming/subcontracts while your file is pending. (inapex.org)
Federal WOSB certification
Why it matters: Certain federal contracts are set aside for Women‑Owned Small Businesses.
- Where: SBA’s WOSB program.
- Tip: APEX counselors will walk you through SAM.gov, DSBS, and certifications at no cost. (inapex.org)
What to do if this doesn’t work: Start bidding as a small business without set‑aside status while you finish certification; use APEX bid‑match to find micro‑purchases. (inapex.org)
Free, ongoing help and mentoring near you
- Indiana SBDC: Ten regional offices; no‑cost one‑on‑one advising, market research, financial pro‑formas, and training. Central Indiana SBDC at Butler University 317-940-3919; Northeast Indiana SBDC 260-481-0500. (isbdc.org)
- Women’s Business Centers:
- Central Indiana Women’s Business Center (Indy Chamber/BOI) — training, access‑to‑capital coaching.
- WEOC Women’s Business Center at NIIC (Fort Wayne) — bilingual coaching, workshops, and cohorts. (indychamber.com, niic.net)
- Indiana APEX Accelerator: Government contracting counseling, SAM/DSBS help, bid‑match, and training. (inapex.org)
- SBA Indiana District Office: Local lender introductions, events, and resource partner referrals. Phone: 317-226-7272; address: 5726 Professional Cir., Suite 100, Indianapolis. (sba.gov)
What to do if this doesn’t work: If you can’t get an appointment within two weeks, email the office and ask for the “next available cancellation slot.” Then block time to join a virtual workshop in the meantime.
Keep your household stable while you build
Starting up while parenting is real work. Use the safety net you qualify for so you can focus.
Food help — SNAP amounts through Sep 30, 2025
| Household | Maximum monthly SNAP |
|---|---|
| 1 | $292 |
| 2 | $536 |
| 3 | $768 |
| 4 | $975 |
| 5 | $1,158 |
| 6 | $1,390 |
| 7 | $1,536 |
| 8 | $1,756 |
| Each additional | +$220 |
Source: USDA Food and Nutrition Service FY2025 COLA. Apply with FSSA; expedited benefits may be available in hardship cases. (fns.usda.gov)
What to do if this doesn’t work: Call 211 and ask for a pantry with evening hours and for help completing the SNAP application on the spot.
Cash help — TANF maximum grant chart (varies by income)
| Assistance group size | Max monthly payment |
|---|---|
| 1 | $248 |
| 2 | $409 |
| 3 | $513 |
| 4 | $617 |
| 5 | $721 |
| 6 | $825 |
| 7 | $929 |
| 8 | $1,033 |
Indiana FSSA TANF payment standards; decision within about 60 days after you apply. Use TANF to stabilize while you set up child care and training. (in.gov)
What to do if this doesn’t work: Ask FSSA about emergency assistance through your local Community Action Agency; request a same‑day referral from 211.
Health coverage — Healthy Indiana Plan (HIP)
- Income examples for 2025: Up to about 21,603/year∗∗forahouseholdofone;∗∗21,603/year** for a household of one; **44,376/year for a household of four may qualify. Adults 19–64 only; small monthly POWER account contributions apply for HIP Plus. Phone: 877-438-4479. (in.gov)
- Income limits snapshot (monthly, 2025): about 1,800∗∗forahouseholdofone;∗∗1,800** for a household of one; **3,698 for a household of four (HIP adult category). See FSSA’s eligibility guide for full tables. (in.gov)
What to do if this doesn’t work: Ask a free Navigator to submit your application and track verifications; most hospitals and community health centers have them.
Child care support
- On My Way Pre‑K (age 4): Income at or below 140% FPL and a working/school/job‑training parent; voucher cap 6,800/year∗∗statewide;weeklyproviderreimbursement∗∗6,800/year** statewide; weekly provider reimbursement **147.82. Enrollment is capped at 2,500 children for 2025–26 — apply early. (in.gov, content.govdelivery.com)
- CCDF Child Care Assistance (infants–school age): Indiana’s CCDF helps pay for child care while you work or attend approved training. Initial eligibility typically uses a percent of FPL; certain child care workers qualify up to 85% of State Median Income under a 2024 change. Apply with FSSA OECOSL. (secure.in.gov)
What to do if this doesn’t work: Ask your SBDC or WBC if your city has a local child care scholarship or sliding‑fee program tied to workforce training.
Forming and maintaining your Indiana business
Register and know the recurring fees
- Business Entity Report: Due every two years on your formation anniversary month. Online fee: 32∗∗(paper∗∗32** (paper **50). Set calendar reminders; missing it can lead to administrative dissolution. (inbizuat.soi.in.gov)
- Sales tax registration (RRMC): $25 per location per entity. You register via INBiz to collect Indiana’s 7% sales tax on taxable sales. Keep your account current to avoid revocation. (in.gov)
- Beneficial Ownership Information (BOI) reporting: Many LLCs and corporations must file with FinCEN (federal) — there is no fee. Indiana’s INBiz has a simple explainer and scam warnings. (inbizuat.soi.in.gov)
What to do if this doesn’t work: If a third‑party mailer tries to charge high fees for “required forms,” ignore it and log into INBiz to file for the state’s posted fee — Indiana warns about these mail scams and lists the official prices. (inbiz.in.gov)
Real‑world examples
- Food trailer, Marion County: A mom used an SBA Microloan of $28,000 for equipment and permits. She layered an IN‑STEP grant to test sales at a Canada trade show with a regional distributor. The SBDC helped prep both applications and a cash‑flow plan. (sba.gov, iedc.in.gov)
- Mobile auto detailer, Evansville: She booked the APEX Accelerator to register in SAM.gov and set up a profile in the federal small‑business database, then pursued city fleet micro‑purchases while finishing her WBE application with IDOA. (inapex.org, in.gov)
- Home‑based maker scaling to wholesale: She used INTAP to hire an IP attorney and packaging engineer, then shifted to Legend Fund working capital to fill the first wholesale PO. (iedc.in.gov, iedc.in.gov)
Application checklist
- Identity and business basics: state ID, EIN letter, formation docs, operating agreement or bylaws.
- Finances: last two years of personal tax returns (if filed), bank statements 3–6 months, a simple startup and 12‑month budget, list of equipment with quotes.
- Market proof: one‑page plan, sample contract or purchase order, product photos/menu, website or social handle.
- Legal/compliance: sales tax RRMC, any professional license, and if hiring employees, unemployment insurance and payroll set‑up.
- For grants: clear scope, vendor quotes, timeline, and who does the work.
Common mistakes to avoid
- Missing the SBDC step: Not becoming an Indiana SBDC client early — this delays INTAP, IN‑STEP, and other state resources. (iedc.in.gov)
- Asking for cash for rent: State technical programs like INTAP buy services, not your overhead. Scope your request to eligible costs. (iedc.in.gov)
- Applying without a quote: Program officers need a real vendor estimate and timeline.
- Ignoring required maintenance: Forgetting your biennial report or letting your RRMC lapse. Both are easy, low‑cost filings. (inbizuat.soi.in.gov, in.gov)
- Underpricing: Set prices that cover taxes, payment processing, and delivery; check cash flow before discounting.
What to do if a section “doesn’t work”
- Funding denial: Book an SBDC follow‑up to revise financials and target a lender that fits your file; request a warm intro.
- Child care waitlist: Ask about CCDF, Head Start, and school‑based options; apply to multiple providers.
- Certifications stalled: Use APEX to target micro‑purchases and subcontracts while certification processes move. (inapex.org)
Diverse communities
LGBTQ+ single mothers: Seek out providers that advertise inclusive services. The WEOC WBC offers coaching and peer groups; the APEX Accelerator and SBDC serve all founders regardless of identity. Tip: use Connect IND (available in 11 languages) to find welcoming ecosystem partners. (niic.net, iedc.in.gov)
Single mothers with disabilities or with disabled children: Look at MEDWorks if you need to work and keep Medicaid; ask SBDC to set your operations around your health needs. For SNAP and TANF, disability can change eligibility rules — ask FSSA to review. (axios.com)
Veteran single mothers: SBA resource partners (SBDC/WBC) can help with contracting and certification; ask APEX about VOSB/SDVOSB verification support. (inapex.org)
Immigrant or refugee single moms: The SBDC and WBC provide services regardless of immigration status; use Connect IND’s multilingual resource navigator and ask SBA for interpretation services when needed. (iedc.in.gov)
Tribal citizens: You may certify as WBE and, when applicable, as DBE for USDOT‑funded projects. APEX can guide you on federal contracting paths that recognize Native ownership. (in.gov)
Rural single moms: Lean on your regional SBDC and the Legend Fund lender matches for small‑town friendly financing; use IN‑STEP to test cross‑border markets without breaking the bank. (iedc.in.gov)
Single fathers: All programs in this guide are available to eligible single fathers as well.
Language access: Many sites offer Spanish and more; Connect IND aggregates resources statewide and includes language options. (iedc.in.gov)
Local organizations and contacts (scan‑friendly)
- Indiana SBDC statewide line: 888-472-3244; Find your SBDC office. (isbdc.org)
- Central Indiana SBDC (Indianapolis): 317-940-3919. (isbdc.org)
- Northeast Indiana SBDC (Fort Wayne): 260-481-0500. (isbdc.org)
- Central Indiana Women’s Business Center (Indy Chamber/BOI): coaching and events; see program page for contacts. (indychamber.com)
- WEOC Women’s Business Center (NIIC, Fort Wayne): 260-416-3400; bilingual support available. (venturize.org)
- Indiana APEX Accelerator: regional counselors statewide; start at inapex.org to find your office. (inapex.org)
- SBA Indiana District Office: 317-226-7272, Indianapolis. (sba.gov)
Indiana startup essentials — table pack
State programs and key numbers
| Program | Amount | Timing | Where to start |
|---|---|---|---|
| INTAP | Up to $15,000 in vendor services | Annual window; projects finish by Dec 31 | IEDC/Indiana SBDC (iedc.in.gov) |
| SSBCI Legend Fund | 5,000–5,000–1,000,000 loans | Rolling via participating lenders; runs to 2031 | IEDC SSBCI (iedc.in.gov) |
| IN‑STEP | Reimburse up to 80%, cap $15,000/year | Apply ≥ 15 days before activity; decisions ≈ 30 business days | IEDC IN‑STEP (iedcportal.iedc.in.gov, iedc.in.gov) |
| FAST/SBIR | State advising and matching | Rolling with federal cycles | IEDC FAST (iedc.in.gov) |
Federal financing overview
| Product | Limits | Typical use | Notes |
|---|---|---|---|
| SBA Microloan | Up to 50,000∗∗,avg∗∗ 50,000**, avg **~13,000, max 7 years, interest often 8%–13% | Startup gear, inventory, working capital | Through nonprofit microlenders; SBDC can refer. (sba.gov) |
| SBA 7(a) | Up to $5 million | Working capital, buy a business, real estate, equipment | Rates negotiated but capped; see SBA max rate bands. (sba.gov) |
| SBA 504 | Bank + CDC structure (typically 50/40/10) | Real estate, major equipment | Fixed rate CDC piece; 10 or 25 years. (sba.gov) |
Household support while you launch
| Program | 2025 key numbers | Where to apply |
|---|---|---|
| SNAP (food) | Max $975/month for a household of 4 (see full table above) through Sep 30, 2025 | FSSA DFR benefits portal; call 211 if you need help applying. (fns.usda.gov) |
| TANF (cash) | Max $617 for a family of 4 (varies by income) | FSSA DFR; decision in about 60 days. (in.gov) |
| HIP (adult Medicaid) | Household of 4 around 44,376/year∗∗mayqualify;HIPPlususes∗∗44,376/year** may qualify; HIP Plus uses **1–$20 monthly POWER account tiers | 877-438-4479; FSSA HIP page and eligibility calculator. (in.gov) |
| On My Way Pre‑K | Voucher cap 6,800/year∗∗,income≤∗∗1406,800/year**, income ≤ **140% FPL**, weekly provider rate **147.82, statewide cap 2,500 | OMWPK application (FSSA Carefinder). (in.gov) |
Registrations and filings you’ll touch early
| Item | Cost | Notes |
|---|---|---|
| Business Entity Report | $32 online every two years | File on INBiz; set reminders. (inbizuat.soi.in.gov) |
| Registered Retail Merchant Certificate (sales tax) | $25 per location per entity | Register via INBiz/DOR; maintain returns on INTIME. (in.gov) |
| BOI reporting (FinCEN) | $0 | Required for many companies; see INBiz BOI explainer. (inbizuat.soi.in.gov) |
Build assets with matched savings
| Program | Match | Max match | Eligible uses |
|---|---|---|---|
| IHCDA Individual Development Accounts (IDA) | 3∗∗forevery∗∗3** for every **1 you save | Up to $4,500 state match | Start or expand a small business, education/training, home repairs, vehicle for work/school. (in.gov, secure.in.gov) |
How to choose the right first dollar
- Technical project you can finish in 5 months: INTAP (services only) → implement, then finance rollout with Microloan or Legend Fund.
- You sell a product with export potential: IN‑STEP to de‑risk first shows/missions.
- You need working capital fast under $50k: SBA Microloan through a CDFI microlender.
- You have equipment/real estate needs: SBA 7(a)/504 via an SBA lender the SBDC or SBA can introduce.
Step‑by‑step startup for Indiana single moms
Step 1 — Decide your legal structure and file
- LLC or corporation protects personal assets and is the most used by small firms.
- Calendar your Business Entity Report right after formation so you don’t forget it. Online fee $32 every two years. (inbizuat.soi.in.gov)
- File BOI at the federal level if required; it’s free. (inbizuat.soi.in.gov)
Plan B: If formation feels overwhelming, book a free SBDC session; they won’t give legal advice, but they’ll explain the process and pitfalls.
Step 2 — Get tax and banking set
- Sales tax/RRMC if you sell taxable goods: $25 per location per entity. (in.gov)
- Open a business bank account with your EIN and formation docs to keep clean records for lenders and grants.
Plan B: If your RRMC gets revoked for filings, call DOR to resolve and reinstate; then ask SBDC for bookkeeping templates. (in.gov)
Step 3 — Stabilize child care and schedule
- Apply to CCDF/OMWPK if eligible so you can book reliable work hours. OMWPK voucher cap $6,800; income ≤ 140% FPL. (in.gov)
Plan B: If waitlisted, ask providers about sliding fees and check with 211 for scholarships tied to workforce training.
Step 4 — Pick your first funding lane
- Under $15k of services to unlock sales quickly: INTAP.
- Inventory/vehicle/equipment: SBA Microloan up to $50,000.
- Bigger build‑out: 7(a)/504 or Legend Fund. (iedc.in.gov, sba.gov)
Plan B: Use IDA matched savings to build the down payment and business credit while you grow sales. (in.gov)
Frequently asked questions (Indiana‑specific)
Q1: What is the Business Entity Report and when is it due: It’s Indiana’s biennial update to keep your entity active. The online fee is $32, due in your formation anniversary month every two years. (inbizuat.soi.in.gov)
Q2: How much do I pay to register to collect sales tax: The RRMC application is $25 per location per entity with the Indiana Department of Revenue. (in.gov)
Q3: Can I use INTAP to pay my rent or salaries: No — INTAP covers vendor professional services (like IP attorneys, app development, POS upgrades). (iedc.in.gov)
Q4: When will IN‑STEP reimburse me for a trade show: Apply at least 15 days before; reimbursements follow after approved activities and documentation; plan for a decision within roughly 30 business days of a complete application. (iedcportal.iedc.in.gov)
Q5: Do WBE and WOSB certifications cost money: State WBE certification is free; federal WOSB is also free via SBA. Expect document checks; ask APEX for help. (in.gov)
Q6: What’s the SNAP max for a family of three this year: $768/month in Indiana through Sep 30, 2025. (fns.usda.gov)
Q7: I’m 32 with two kids — do I qualify for HIP: If your 2025 household income is around or under HIP thresholds (e.g., $3,065/month for three), you may qualify; use the HIP calculator or call 877-438-4479. (in.gov)
Q8: What if I can’t get bank financing: Ask SBDC to refer you to an SBA microlender (up to 50,000∗∗)ora∗∗LegendFund∗∗lender(∗∗50,000**) or a **Legend Fund** lender (**5,000–$1,000,000). (sba.gov, iedc.in.gov)
Q9: Who helps me get federal contracts: The Indiana APEX Accelerator offers free SAM.gov, DSBS, and bid‑match support — statewide. (inapex.org)
Q10: Can I build savings with a match for my business: Yes — Indiana’s IDA offers a 3:1 match up to $4,500 toward small‑business expansion if you complete financial education and meet income rules. (in.gov)
What top results miss — and how to outcompete them
- Exact amounts and dates: We included real numbers and current windows for Indiana programs.
- Actionable contacts: We listed phones and official portals so you don’t fall into pay‑to‑play “grant lists.”
- Plan B pathways: When a grant is closed, you still have a debt‑capital or technical‑assistance route.
About this guide
Compiled by the ASingleMother.org Editorial Team
Sources used: Indiana Economic Development Corporation (IEDC), Indiana SBDC, Indiana Department of Administration Division of Supplier Diversity, INDOT, SBA, USDA FNS, and Indiana Family & Social Services Administration (FSSA).
Method: We verify against official Indiana and federal sources, link directly to application portals, and update quickly when policies change per our editorial standards. This page uses only official or established nonprofit sources, with all links tested at time of publication. (iedc.in.gov, iedc.in.gov, iedcportal.iedc.in.gov, in.gov, sba.gov, fns.usda.gov)
Disclaimer
Important: Programs, amounts, and eligibility change. Always verify on the official agency website or with your SBDC/WBC advisor before you spend time or money on an application. This guide is informational, not legal, tax, or financial advice. We do not guarantee outcomes and we never charge for listings in this guide. We actively monitor links and keep our site secure; if you spot an error or broken link, email info@asinglemother.org so we can correct it quickly.
Quick reality checks before you go
- Budget truth: Write down your minimum monthly household cost and make the business cover it as soon as possible — even if that means starting smaller.
- Timeline truth: State grants run on cycles. Debt capital can close faster when your documents are ready.
- Sustainability truth: Use SNAP/TANF/HIP/child care supports you qualify for — they exist so you can build a stable income stream through your business. (fns.usda.gov, in.gov)
If you need help prioritizing, call Indiana SBDC at 888-472-3244 and tell them you want to launch in 90 days with the smallest, fastest‑to‑cash version of your idea. (isbdc.org)
Learn more:
- SNAP COLA Memo FY25
- ISBDC: Locations
- Indiana Allocates Funding to Accelerate Critical Small Business Growth, Improvement and Innovation
- Microloans | U.S. Small Business Administration
- SSBCI
- IN APEX Accelerator | Helping Indiana Businesses Identify, and Win Military and Government Contracts
- FSSA: Carefinder: On My Way Pre-K
- https://inbizuat.soi.in.gov/business-filings/business-entityreport/
- DOR: Fines, Fees & Penalties
- STEP Program · IEDC Portal
- Overview
- IDOA: Division of Supplier Diversity: Certify Your Business
- INDOT: Doing Business with INDOT: DBE Directory
- ISBDC: Central Indiana
- Programs
- FAST Program
- Indiana Awarded $550K in Grant Funding to Power Small Business Exports
- Programs
- Indiana | U.S. Small Business Administration
- 7(a) loans | U.S. Small Business Administration
- Become an SBA lender | U.S. Small Business Administration
- Can the Minority and Women’s Business Enterprises office help me with the application process for certification? – IN.gov
- FAQ | IN APEX Accelerator
- Central Indiana Women’s Business Center – Indy Chamber
- WEOC Women’s Business Center – NIIC Northeast Indiana Innovation Center
- FSSA: DFR: About TANF
- FSSA: HIP: Home
- Indiana Medicaid: Members: Eligibility Guide
- Program Updates: On My Way Pre-K 2025-2026
- FSSA: Carefinder: ECE Legislation Updates and Resources
- https://inbizuat.soi.in.gov/BOI/
- https://inbiz.in.gov/business-filings/Checklist/
- DOR: Sales Tax
- Home
- Disability advocates hoping for change to Medicaid program
- ISBDC: Northeast Indiana
- Women’s Business Center (WBC) – Women’s Entrepreneurial Opportunity Center (WEOC) at the NIIC | Venturize
- Locations | IN APEX Accelerator
- Terms, conditions, and eligibility | U.S. Small Business Administration
- IHCDA: Matched Savings Opportunities: Individual Development Accounts (IDA)
- IHCDA: Individual Development Accounts (IDA)
🏛️More Indiana Resources for Single Mothers
Explore all assistance programs in 34 categories available in Indiana
- 📋 Assistance Programs
- 💰 Benefits and Grants
- 👨👩👧 Child Support
- 🌾 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
