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wherehows [2026/03/05 21:56] – [Grants] jackdwherehows [2026/03/06 22:50] (current) – [WHEREHOWS] jackd
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 ** **
  
 +If you find this information and our mission compelling, [[https://www.mightycause.com/story/wherehows|please consider a tax-deductible donation here]].  **I'm currently donating the time and resources I spend on this**, to the tune of **$7200** so far (at $20/hr).  I do it because I think the vision of a network of these community centers is what's needed to counteract the onslaught of loneliness and disappearing "third spaces".  Research started 12/9/2026 and continued to 3/6/2026 87 days 696 hours @ $40/hr is a
 +
 +====== $27,840 Value ======
 +
 +YOURS FREE ALL RIGHTS RETAINED BY JACK DRISCOLL
 +
 +87 days 696 hours @ $40/hr
 ===== Project Scope ===== ===== Project Scope =====
  
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 [[https://www.forbes.com/sites/jeffsteele/2023/08/31/abandoned-schools-garner-top-grades-in-adaptive-reuse/|Abandoned Schools Garner Top Grades In Adaptive Reuse]] [[https://www.forbes.com/sites/jeffsteele/2023/08/31/abandoned-schools-garner-top-grades-in-adaptive-reuse/|Abandoned Schools Garner Top Grades In Adaptive Reuse]]
 +
 +===== Funding =====
 +
 +You will most likely have to deal with the most risk-averse people whose entire jobs it is to take calculated risks - lenders.  I'm talking banks.  Want to start a business?  I hope you already have a business for 3 years.  Want a loan?  I hope you have good credit, because without it they won't touch you even with collateral.  If someone made me a deal where if they win I get $50k and if they lose I get $50k I'd take it even if they have negative credit myself, but I'm no banker
 +
 +==== Traditional Lenders ====
 +
 +Banks.   Fuck 'em if they can't take a joke.
 +
 +==== Hard Money Lenders ====
 +
 +Like traditional lenders but with less rules and higher interest rates.  These are the guys "flippers" use because they're way faster than traditional loans, but charge more and have shorter terms.  Still, they may come in handy.
 +
 +==== Special Lending Programs ====
 +
 +=== SBA ===
 +
 +The main SBA programs are the 504 (real estate) and the 7(a) (real estate, repairs, equipment, operating expenses, pretty much anything).  People will rarely do a 504 for less than 350k even though they could, they're just lazy.  The 7(a) is common for startups and entrepreneurs.
 +
 +=== USDA B&I ===
 +
 +These are special loans you can get if you're starting a business in a rural area.  Have higher limits than SBA.
 +
 +=== RLFs ===
 +
 +Revolving Loan Funds - you will find these for different areas.  It's a pool of money used to stimulate economic development, sometimes with strings, but usually just per area.
 +
 +=== EDCs ===
 +
 +
  
 ===== Grants ===== ===== Grants =====