Business Startup, Small Business & Entrepreneurship Assistance and Grants for Single Mothers in South Dakota

Last updated: September 2025

Quick Help Box

• If you need free one‑on‑one business help this week: Contact the South Dakota SBA District Office at (605) 330‑4243 and ask to be connected to the South Dakota SBDC or the SD CEO Women’s Business Center serving your county. SBA South Dakota District Office page. (sba.gov)
• If you need startup cash or a small loan fast: Look at SD’s state microloan and gap‑financing programs and local CDFIs. SD MicroLOAN finances $1,000–$100,000. SD Works offers 3% fixed‑rate gap loans with 10% equity and a 1% origination fee. Call GOED at (605) 773‑4633. [MicroLOAN SD overview], [SD Works program details]. (sdgoed.com)
• If you want a real grant opportunity in SD: Apply to the Governor’s Giant Vision business competition — top prize $20,000\ast \ast ;qualifierswhodon’tplacereceivea\ast \ast$500 stipend. 2026 application deadline is Tuesday, January 20, 2026, 12:00 PM CT/11:00 AM MT. Giant Vision FAQ and schedule. (southdakotagiantvision.com)
• If you need women‑focused advising: SD CEO Women’s Business Center West in Spearfish (605) 642‑6948 and SD CEO East in Sioux Falls (605) 631‑9106 provide free confidential advising and training. [SD CEO West], [SD CEO East]. (bhsu.edu)
• If childcare costs block you from working on your business: South Dakota Child Care Assistance serves families up to 209% FPL (e.g., family of 3 up to $4,642/month). Call (800) 227‑3020. DSS Child Care Assistance eligibility page. (dss.sd.gov)
• If you are in crisis: Dial 211 for help with rent, utilities, food, childcare, or legal aid; dial 988 for mental health crises; call the SD Domestic Violence Hotline 1‑800‑430‑SAFE (7233). [Helpline Center 211], [SD DOH mental health page], [SD Network Against Family Violence]. (dakotaathome.sd.gov, doh.sd.gov, sdnafvsa.com)

Emergency First — Preserve Cash and Safety

• Call 211: Trained specialists answer 24/7 and can connect you to immediate local help for utilities, rent, food, childcare, transportation, and legal support. You can also text your ZIP to 898211. Helpline Center 211. (dakotaathome.sd.gov)
• Call 988: Free confidential mental‑health crisis support statewide. SD Department of Health — Mental Health Resources. (doh.sd.gov)
• Domestic violence safety: SD Domestic Violence Hotline 1‑800‑430‑SAFE (7233) and National Hotline 1‑800‑799‑SAFE (7233) can help with safe shelter and protective planning. [SD Network Against Family Violence], [National Hotline overview]. (sdnafvsa.com, en.wikipedia.org)

Quick Reference Cheat Sheet

Start Here — Fastest Paths to Capital in South Dakota

SD Works — State Gap Financing You Can Pair With a Bank

• Why this matters first: It is one of South Dakota’s most flexible tools to close a funding gap for equipment, build‑out, permanent working capital, or interim construction — at a 3% fixed rate.
• What it offers: 3% fixed interest, 10% equity minimum, 1% origination fee, amortized to asset life (up to 20 years) with a 5‑year balloon, and requires at least a 1:1 match from a participating lender. Startups and expansions are eligible. (sdgoed.com)
• How to apply: Talk with your local bank first, then bring the bank’s match to GOED. Call (605) 773‑4633 or email goedinfo@state.sd.us. SD Works program page. (sdgoed.com)
• Timelines: Approval timing depends on deal complexity and Board schedules; have a complete package with bank commitment and projections to speed it up. GOED press releases show monthly approvals statewide. (sdgoed.com)
• Plan B if this doesn’t work: Ask your banker and SBDC to look at the state REDI Fund (base rate currently 3%), or split your project across smaller tranches with a CDFI such as GROW South Dakota. (sdgoed.com, growsd.org)

SD MicroLOAN — Small State Loans for Working Capital and Equipment

• What it offers: Financing between $1,000and$100,000 for working capital, equipment, and other fixed‑asset costs. Available to SD residents and companies. Call GOED at (605) 773‑4633. (sdgoed.com)
• Best for: Home‑based businesses, service businesses, small storefronts, or daylighting a side hustle.
• Plan B if this doesn’t work: Try a local CDFI microloan (see below) or an SBA Microloan via approved intermediaries. (sba.gov)

Local CDFIs Serving Single Moms and Rural Founders

• GROW South Dakota: Loans typically $500–$400,000 across the state; will partner with banks; call (605) 698‑7654. GROW SD Business Lending. (growsd.org)
• Four Bands Community Fund (Cheyenne River): Microloans under $50,000\ast \ast atabout\ast \ast 8‑10$400,000 at 6‑8%; Native and local residents eligible; training may be required. Four Bands loans. (fourbands.org)
• Lakota Funds (Pine Ridge region): Small loans up to $25,000\ast \ast ;businessloans\ast \ast$25,001–$2,000,000; fixed rates “as low as 6%,” with terms based on use; must be tribal member or within service area. Lakota Funds lending. (lakotafunds.org)
• Plan B if this doesn’t work: Ask your lender to blend a smaller CDFI loan with the state’s SD Works gap loan, or get free help from the SBDC to improve your projections and re‑apply. (dakotaathome.sd.gov)

Grants and “Free Money” That Are Actually Real in SD

• Governor’s Giant Vision: Competitive startup grants with prizes to $20,000\ast \ast forthebusinessdivision;qualifierswhodon’tplacereceive\ast \ast$500. 2026 deadline is Tuesday, Jan 20, 2026, 12:00 PM CT/11:00 AM MT; finals in Pierre. Official site and FAQ. (southdakotagiantvision.com)
• SD FAST Launch (mini‑grants for early steps): Up to $1,500\ast \ast forcustomerdiscoveryandupto\ast \ast$10,000 for business‑plan implementation after training; supports Giant Vision and SBIR/STTR prep. Contact SD Biotech (605) 274‑3714. FAST Launch overview. (sdbio.org, sdepscor.org)
• Local Rapid City incentives: Elevate Rapid City periodically offers microloans and targeted micro‑grants (e.g., AI MicroGrant), plus facade loans — check current status. Elevate Rapid City — Grants & Loans. (elevaterapidcity.com)
• Reality check: Most true grants in SD are competitive or tied to research or pitch events. Budget your time accordingly and don’t pay “grant writers” promising guaranteed awards.
• Plan B if this doesn’t work: Pair a small CDFI loan with the state SD MicroLOAN, and get free pitch coaching from the WBC/SBDC to increase odds next cycle. (growsd.org, bhsu.edu)

Women‑Focused, No‑Cost Support You Can Start Using Today

• SD CEO Women’s Business Center: Free one‑on‑one advising, workshops, and local networks.
  • SD CEO West: (605) 642‑6948 — Black Hills/West River. SD CEO West page. (bhsu.edu)
  • SD CEO East: (605) 631‑9106 — Sioux Falls/East River. SD CEO East page. (bhsu.edu)
• SBA South Dakota District Office: Your front door to lenders, certifications, and federal opportunities. (605) 330‑4243; 200 N Phillips Ave., Suite L101, Sioux Falls. District Office page. (sba.gov)
• SBDC: Free advising across Sioux Falls, Rapid City, Aberdeen, Watertown, Pierre, Yankton. Start via SDBusinessHelp.com. Sample local listing shows Aberdeen office (605) 698‑7654. (dakotaathome.sd.gov)
• SCORE South Dakota: Free mentoring by experienced founders; request a mentor online or call 1‑800‑634‑0245. SCORE South Dakota page. (score.org)
• APEX Accelerator (government contracting, formerly PTAC): Free help to bid on city, state, and federal contracts. East River office (605) 367‑5252; county locator and training via SDBusinessHelp. SD APEX overview. (sdbusinesshelp.com)
• Plan B if this doesn’t work: If a center’s schedule is full, call the SBA District Office and ask to be matched with another partner the same week. (sba.gov)

Funding Snapshot — South Dakota Programs at a Glance

Step‑by‑Step — Register, License, and Stay Compliant in South Dakota

Form your entity and file required reports

• LLC Articles (online): $150\ast \ast ;\ast \ast AnnualReport\ast \ast \ast \ast$55 online; paper filings add $15 processing. SOS Business Filings Division (605) 773‑4845. SOS filing fees. (sdsos.gov)
• DBA/Fictitious Name: $10, renew every 5 years; file online or at a county Register of Deeds. SOS DBA instructions. (sosenterprise.sd.gov)
• Most important next: Open a business bank account and get your free EIN from IRS. (EIN is free at IRS.gov; beware of “filing services” that charge.)
• Plan B if this doesn’t work: If online forms trip you up, call SOS at (605) 773‑4845 during business hours for help, or ask the SBDC to walk you through the portal. (sdsos.gov)

Get your sales tax license and understand SD’s tax basics

• Sales tax license: Apply online with the Department of Revenue; questions by phone 1‑800‑829‑9188. DOR Sales & Use Tax page. (dor.sd.gov)
• Sales tax rate: State base is 4.2% since July 1, 2023, with city rates added on top. The cut from 4.5% to 4.2% sunsets June 30, 2027 unless extended. DOR 2023 update. (dor.sd.gov)
• No state personal income tax: South Dakota is one of the states with no individual income tax. DOR — Individuals Taxes page. (dor.sd.gov)
• DOR help: Aberdeen (605) 626‑2218, Rapid City (605) 394‑2332, Sioux Falls (605) 367‑5800, Yankton (605) 668‑2939, Pierre (605) 773‑3311. DOR contact list. (dor.sd.gov)
• Plan B if this doesn’t work: Use DOR’s live chat from any page or join a free online sales tax seminar. DOR Online Services. (dor.sd.gov)

Food business, cottage, and mobile food rules

• Mobile food service: Submit plans at least 30 days before building/renovation; meet water, hand‑wash, hood, and temperature standards; operate from a commissary unless waived. Call DOH Office of Health Protection (605) 773‑4945. DOH Mobile Food Service. (doh.sd.gov)
• Food service licensure: Follow the five‑step process — licensing packet, plan review, inspection, and certified manager course. Food Service Licensure overview. (doh.sd.gov)
• Plan B if this doesn’t work: Book a 30‑minute call with SBDC or WBC to choose a lower‑cost start (delivery‑only, shared kitchen, or a cottage‑eligible product) and build toward a full license. (dakotaathome.sd.gov, bhsu.edu)

Home childcare or center — licenses and background checks

• Child care licensing: Day care centers are licensed; DSS has checklists, floor‑plan review, and background screening requirements (DCI/FBI/registries). Contact DSS Licensing. DSS Licensing hub. (dss.sd.gov)
• Background screening: DSS pays required check fees; live‑scan fingerprints recommended; call (800) 227‑3020. Provider background screening. (dss.sd.gov)
• Plan B if this doesn’t work: Consider becoming a registered family provider first (lower capacity, quicker setup) while you prepare a center application. Ask DSS which path fits your space and timeline. (dss.sd.gov)

Federal SBA Funding — What Numbers to Expect

• SBA Microloans: Up to $50,000, typical interest 8–13%, max term 7 years. Apply via approved intermediaries (e.g., CDFIs). SBA Microloan overview and list of microlenders. (sba.gov)
• SBA 7(a) caps (FY 2025): Variable‑rate maximums tie to prime; for example, loans >$350,000\ast \ast capatprime+\ast \ast 3$250,001+ assuming prime 7.5% in June 2025. Check lender’s current sheet. (nerdwallet.com)
• SBA 504: Fixed‑asset financing with fixed rates generally around Treasury + spread; your bank provides a first lien and a CDC funds the 504 second. (nerdwallet.com)
• Plan B if this doesn’t work: Ask the SBA District Office to match you with a micro‑lender or CDFI and request credit‑building technical assistance. (605) 330‑4243. (sba.gov)

Certifications That Help Women Win Contracts

• WOSB/EDWOSB certification: Free SBA certification through MySBA; EDWOSB financial thresholds include personal net worth under $850,000\ast \ast ,three‑yearAGI\ast \ast$400,000 or less, and personal assets $6.5 million or less (retirement excluded). Help line 866‑443‑4110. SBA WOSB program. (sba.gov)
• SD DOT DBE certification: For transportation‑related contracting; coordinator Kyle Watkins (605) 773‑4906; online directory and supportive services available. SDDOT DBE. (dot.sd.gov)
• APEX Accelerator: Free help with SAM.gov, solicitations, and bid strategies. County look‑up tool on SDBusinessHelp. (sdbusinesshelp.com)
• Plan B if this doesn’t work: Meet with WBC and APEX together for a joint roadmap — get WOSB now, DBE later if relevant to your NAICS. (bhsu.edu, sdbusinesshelp.com)

Taxes and Cash Flow — What to Budget

• Sales tax: State 4.2% plus local — collect on most goods and many services; register with DOR. Sunset of the state cut scheduled June 30, 2027. (dor.sd.gov)
• Self‑employment tax: 15.3% on net earnings (12.4% Social Security + 2.9% Medicare), plus potential 0.9% additional Medicare tax over certain incomes; file Schedule SE. IRS Topic 554. (irs.gov)
• Quarterly estimates: Typical due dates are April 15, June 15/16, Sept 15, Jan 15 (following year). See IRS 1040‑ES. (Use IRS guidance for exact dates each year.) (kiplinger.com)
• Plan B if this doesn’t work: Book SBDC/SCORE for a 60‑minute cash‑flow session; set aside a fixed percent of every sale for taxes in a separate bank sub‑account. (score.org)

Childcare, Health, and Household Support While You Build

• Child Care Assistance: Income limit up to 209% FPL (e.g., family of 3 up to $4,642/month as of Mar 1, 2025). Call (800) 227‑3020 or email CCS@state.sd.us. You’ll have a co‑pay based on a sliding fee. DSS CCA. (dss.sd.gov)
• Medicaid expansion: Adults 19–64 up to 138% FPL became eligible starting Jul 1, 2023; coverage includes preventive, dental, and vision. See DSS medical programs and CMS expansion notice. (dss.sd.gov, cms.gov)
• SNAP: Gross income limits for most households (contiguous U.S.) Oct 1, 2024 to Sept 30, 2025 — e.g., family of 3 gross $2,798/month; apply online or at your local DSS office. (FY 2026 limits rise Oct 1, 2025.) [USDA SNAP eligibility table], [DSS SNAP page]. (fns.usda.gov, dss.sd.gov)
• TANF cash assistance: Monthly standards vary; e.g., 3‑person household up to $701 (independent living). Work participation generally 30 hours/week (or 20 with a child under six). DSS TANF FAQ with payment standards. (dss.sd.gov)
• Plan B if this doesn’t work: Call 211 to locate local rent/utility help or childcare scholarships offered by nonprofits in your county. (dakotaathome.sd.gov)

Region‑by‑Region — Where to Walk In or Call

• Sioux Falls and SE SD:
  • SBA South Dakota District Office (605) 330‑4243 — downtown Sioux Falls. (sba.gov)
  • SD CEO East WBC (605) 631‑9106, 196 E 6th St., Suite 200. (bhsu.edu)
  • Startup Sioux Falls — navigation, community, and programs. Startup Sioux Falls. (startupsiouxfalls.com)
  • DOR Sioux Falls (605) 367‑5800 — sales tax help. (dor.sd.gov)
• Rapid City and Black Hills:
  • SD CEO West WBC (605) 642‑6948 (Spearfish) — West River advising. (bhsu.edu)
  • Elevate Rapid City — grants/microloans and training. Elevate Grants & Loans. (elevaterapidcity.com)
  • DOR Rapid City (605) 394‑2332. (dor.sd.gov)
• Aberdeen, Watertown, NE SD:
  • GROW South Dakota (605) 698‑7654 — micro & small business lending, plus SBDC connection. (growsd.org)
  • SBDC Aberdeen — see (605) 698‑7654 and sdbusinesshelp.com listing. (dakotaathome.sd.gov)
• Pierre/Central SD:
  • GOED (605) 773‑4633 — SD Works, MicroLOAN, REDI. (sdgoed.com)
  • DOR Pierre (605) 773‑3311. (dor.sd.gov)
• Reservations and Tribal Communities:
  • Four Bands Community Fund (Cheyenne River) — micro to small business loans and training. (fourbands.org)
  • Lakota Funds (Pine Ridge region) — small to large business loans and coaching. (lakotafunds.org)

Sector‑Specific Starters for Single Moms

• Home childcare: Start with DSS licensing; ask about Registered Family Day Care if center costs are too high. DSS can help with background checks and pays screening fees. (800) 227‑3020. (dss.sd.gov)
• Food truck: Submit plans 30+ days ahead, ensure water/holding tanks and hood meet code, and use a commissary unless waived. DOH Office of Health Protection (605) 773‑4945. (doh.sd.gov)
• Retail or online sales: Get your DOR sales tax license first and display it at your booth/website checkout; state base 4.2% plus local. (dor.sd.gov)
• Contracting & trades: Explore DBE if you’ll work on transportation projects and connect with APEX for bid prep. DBE program (605) 773‑4906. (dot.sd.gov)
• Tech or research: Use FAST Launch mini‑grants and consider 504/7(a) only after you validate the market. (sdbio.org)

Common Mistakes to Avoid

• Mixing personal and business money: Open a separate business account before taking a single payment.
• Skipping sales tax registration: SD aggressively enforces; register early and file on time. (dor.sd.gov)
• Waiting on childcare: Apply for Child Care Assistance as soon as you start prospecting or training; don’t wait for revenue to “prove need.” (dss.sd.gov)
• Ignoring match or equity requirements: SD Works needs a bank match and 10% equity. Build this into your plan. (sdgoed.com)
• Believing “grant‑gurus”: Real SD grants publish criteria, amounts, and deadlines — they do not ask for money to “unlock funds.” Verify with official sources like GOED or the Chamber.
• Underestimating certifications: WOSB/DBE can open doors — start the paperwork now so you’re ready when an RFP drops. (sba.gov, dot.sd.gov)

Application Checklist — Bring These to Lenders and Programs

• Business plan and 12–24‑month projections (SBDC template accepted)
• Personal ID and, if applicable, tribal ID
• EIN confirmation and SOS formation/DBA filing
• 3–6 months bank statements and any existing debt details
• Quotes for equipment or build‑out; lease or LOI
• Equity proof (bank statement) to meet 10% where required
• Childcare plan if you’re primary caregiver (helps with timeline discussions)
• Licensure steps (food, childcare, other) already started

Reality Checks — Timelines and What to Expect

• State financing: SD Works and MicroLOAN are reviewed continuously; deals with bank partners and complete packages move faster. Monitor monthly GOED board approvals to gauge cadence. (sdgoed.com)
• SBA microloans: Timeline depends on the intermediary and your prep; rates are typically 8–13% with up to 7 years to repay. (sba.gov)
• Giant Vision: The cycle is seasonal. Mark the January deadline and work with WBC/SBDC by fall for coaching. (southdakotagiantvision.com)

Diverse Communities — Targeted Help and Tips

• LGBTQ+ single mothers: Ask WBC for inclusive mentors and APEX for supplier diversity contacts; both partners will accommodate confidentiality requests. Phone: SD CEO West (605) 642‑6948, East (605) 631‑9106. (bhsu.edu)
• Single mothers with disabilities or disabled children: Elevate Rapid City offers a Workplace Accessibility Grant for local employers; APEX can advise on federal contract accessibility requirements. Note: use 211 to find respite options when attending trainings. Elevate Accessibility Grant. (elevaterapidcity.com)
• Veteran single mothers: Ask the WBC about SBA’s Boots to Business and mentorship. Phone: SD CEO West (605) 642‑6948; SD CEO East (605) 631‑9106. (bhsu.edu)
• Immigrant and refugee single moms: SBDC and SCORE provide free interpreters upon request; use 211 to locate ESL or translation support. Phone: 211. (dakotaathome.sd.gov)
• Tribal‑specific resources: Four Bands Community Fund (Cheyenne River) and Lakota Funds (Pine Ridge area) provide lending, coaching, and youth entrepreneurship — including smaller startup loans and trainings aligned to local realities. Links above. (fourbands.org, lakotafunds.org)
• Rural single moms with limited broadband: Libraries, WBC/SBDC hubs, and Startup Sioux Falls offer Wi‑Fi and meeting rooms; ask your lender about e‑signature options. Startup Sioux Falls. (startupsiouxfalls.com)
• Single fathers: All services here are available regardless of gender; WBC and SBDC serve all entrepreneurs. (bhsu.edu, dakotaathome.sd.gov)
• Language access: DOR offers live chat and phone help; if English is not your first language, ask to schedule a virtual office visit with translation support. Phone: 1‑800‑829‑9188. (dor.sd.gov)

Tables You Can Use Today

Startup Costs and Licenses — South Dakota

State Capital Programs — Quick Compare

Women’s Advising and Mentorship — No‑Cost

Household Supports While You Launch

SD Giant Vision — Key Dates and Prizes

Source: official Giant Vision pages and FAQs. (southdakotagiantvision.com)

Ten South Dakota‑Specific FAQs

• Which SD loan program should I try first if I only have $3,000 saved?
  Answer: If you have a bank willing to partner, SD Works can close your gap at 3% with 10% equity and a bank match. If not, start with GROW South Dakota or a tribal CDFI microloan and build from there. (sdgoed.com, growsd.org)
• Are there any true small business grants not tied to research?
  Answer: The Governor’s Giant Vision is the biggest recurring statewide grant opportunity for startups, with a top award of $20,000 and stipends for qualifiers. (southdakotagiantvision.com)
• What’s the quickest way to get a sales tax license?
  Answer: Apply online at DOR; approvals are often fast. Phone help is 1‑800‑829‑9188 if you get stuck. (dor.sd.gov)
• How much does it cost to form an LLC in SD?
  Answer: $150\ast \ast online;AnnualReport\ast \ast$55 online each year; paper adds $15. (sdsos.gov)
• Can I sell food from home or at events without a full restaurant license?
  Answer: Many food businesses require a food service license; mobile units have strict requirements and plan review 30+ days before construction. Check DOH for your exact product. (doh.sd.gov)
• What help exists for government contracting?
  Answer: The SD APEX Accelerator provides free one‑on‑one help with SAM.gov, bids, and capability statements, and SD DOT runs a DBE program with certification and supportive services. (sdbusinesshelp.com, dot.sd.gov)
• Do I need a general “state business license”?
  Answer: SD has no general state business license; but you likely need a sales tax license and, depending on your industry, professional or health permits. DOR and DOH links above cover most. (dor.sd.gov, doh.sd.gov)
• Can I get help preparing for Giant Vision?
  Answer: Yes. SD CEO WBC and SBDC regularly coach applicants, and SD FAST Launch offers $1,500\ast \ast customerdiscoveryand\ast \ast$10,000 plan‑implementation funds for qualifying participants. (sdbio.org)
• What is the current SD state sales tax rate?
  Answer: 4.2% statewide base since July 1, 2023; scheduled to revert after June 30, 2027 unless extended. Municipal add‑ons still apply. (dor.sd.gov)
• I can’t afford childcare while I build — what can I do now**?
  Answer: Apply for Child Care Assistance up to 209% FPL (family of 3 $4,642/month) with a sliding co‑pay; also check 211 for local scholarships. (dss.sd.gov, dakotaathome.sd.gov)

What to Do if a Section’s Plan A Doesn’t Work

• Financing: Pair a smaller CDFI microloan with SD Works or MicroLOAN; improve projections with SBDC; apply again in 30–60 days. (growsd.org, sdgoed.com)
• Grants/Competitions: Use FAST Launch mini‑grants to collect customer interviews and build a prototype by the next cycle. (sdbio.org)
• Licensing delays: Schedule a call with DOH or DSS; ask for a pre‑inspection and a written list of fixes so you only do the work once. (doh.sd.gov, dss.sd.gov)
• Childcare gap: Apply for CCA immediately and ask your provider to accept DSS payment; if waitlisted, call 211 to find short‑term help. (dss.sd.gov, dakotaathome.sd.gov)

About This Guide

Compiled by the ASingleMother.org Editorial Team
This guide uses official sources from South Dakota Department of Human Services, USDA, HUD, and established nonprofits.
This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed.
Last verified: September 2025, next review: April 2026.
Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

Our editorial commitments include primary sources, cross‑verification, and update cycles within 48 hours for confirmed changes. We link directly to application portals, hotlines, and official forms wherever possible. (sba.gov, dor.sd.gov, sdgoed.com)

Disclaimer

Important: Program rules, amounts, deadlines, and contact details can change. Always verify information with the relevant agency before applying or spending money. Nothing here is legal, tax, or financial advice for your specific situation.

Security note: To keep your devices and personal data safe, avoid clicking unsolicited links, use official .gov and well‑known nonprofit sites for applications, and never pay “fees” to unlock government grants. If you suspect fraud, report it via 211 or to the appropriate state or federal agency. (dakotaathome.sd.gov)

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Sources and Key References (selected)

• SBA South Dakota District Office — address, phone, hours. (sba.gov)
• SD CEO Women’s Business Center — East and West contacts. (bhsu.edu)
• SBDC — statewide free advising and 211 listings. (dakotaathome.sd.gov)
• GOED — SD Works, MicroLOAN, REDI — terms, rates, contacts. (sdgoed.com)
• GROW South Dakota — loan ranges and contact. (growsd.org)
• Four Bands Community Fund — loan types and rates. (fourbands.org)
• Lakota Funds — loan sizes and rates. (lakotafunds.org)
• Giant Vision — prizes, deadlines. (southdakotagiantvision.com)
• FAST Launch — mini‑grant amounts. (sdbio.org)
• DOR — sales tax license, 4.2% rate, contact numbers. (dor.sd.gov)
• DOH — mobile food and licensure steps. (doh.sd.gov)
• DSS — Child Care Assistance 209% FPL; TANF standards. (dss.sd.gov)
• USDA FNS — SNAP income limits FY 2025 and FY 2026 preview. (fns.usda.gov, fns-prod.azureedge.us)
• IRS — self‑employment tax 15.3%. (irs.gov)
• SDDOT DBE — coordinator and program info. (dot.sd.gov)
• SOS — LLC and DBA fees; annual report. (sdsos.gov, sosenterprise.sd.gov)

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🏛️More South Dakota Resources for Single Mothers

Explore all assistance programs in 34 categories available in South Dakota

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