USA Subsidy Schemes
Federal loan guarantees, tax incentives and grants in the United States — what each one gives, who may apply, and what an Indian founder or investor should check first.
SBA 7(a) & 504 Loans
Bank loans up to $5 million with an 85% or 75% federal guarantee, and 504 loans for land, buildings and machinery with as little as 10% down.
Qualified Opportunity Zones
Defer US capital gains tax by reinvesting the gain in a Qualified Opportunity Fund within 180 days, and pay no federal tax on the new growth after a 10-year hold.
SBIR & STTR Eligibility
Who can receive federal research funding: a for-profit business, more than 50% owned and controlled by US citizens or green card holders, with 500 employees or fewer.
USDA Value-Added Producer Grant
Up to $50,000 for planning and $200,000 for working capital to farmers and producer groups who process and market their own produce, matched one to one.
Research Credit (Section 41)
A federal income tax credit of 20% on qualified research spending above a base amount, and 20% on basic research payments to universities and research bodies.
EXIM Working Capital Guarantee
A bank working capital line for exporters of US-made goods and services, with the Export-Import Bank of the United States guaranteeing 90% of it.
The USA schemes side by side
Each line is taken from the scheme's own page, which names its source. Open a scheme for the full rules, documents and dates.
Important for Indian clients: the SBA loans and the SBIR and STTR research funding count only owners who are US citizens or green card holders — the EXIM working capital guarantee is the exception, and accepts a US-formed company that is foreign-owned. The Opportunity Zone incentive helps only a gain that is taxed in the United States, and the research credit counts only research done there. Check the ownership and the tax position before you incorporate, not after.
Ask us about a USA scheme
Tell us what you are planning in the United States — a new company, a property, a research project or a farm business — and which scheme you are looking at. A Chartered Accountant will call you back.
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