They say there’s no such thing as a free ride. In the world of small-business grants, you’ll pay your dues by searching websites, clicking out-of-date links, or struggling with government databases before finding a grant that suits your business goals.

To make things easier, we’ve started compiling a list of resources to help direct you toward free financing on a federal, state and private level.

Government agencies are some of the biggest distributors of grants. They will likely be highly specific and offer support for a range of enterprises from environmental conservation to child care services. The application process can be intimidating and requires a lot of hard work, but the grants offer a great opportunity for small-business owners looking to grow.

Grants.gov: Though daunting, Grants.gov is a comprehensive database of grants administered by various government agencies. You can search for financing opportunities for products or services your small business offers. To make sure you find the most relevant grants, click the “Browse Eligibilities” tab in the middle of the home page, then select “small business.” Next, select “Grant” under “Funding Instrument Type” on the left-hand side.

BusinessUSA: Slightly more user friendly than Grants.gov, BusinessUSA uses a questionnaire to help you find relevant grants for your business. It’s important to note, however, that the options it provides aren’t always grants — some are loans that have annual percentage rates. Click “Starting a Business?” to complete the questionnaire.

Small Business Innovation Research and Small Business Technology Transfer programs: The SBIR and the STTR are grant programs focused on research and development, particularly for technology innovation and scientific research. The programs help connect small businesses, universities and research centers with federal grants and contracts from 12 government agencies.

Economic Development Agencies: Each state’s agency helps new and established businesses find financing, secure a location and recruit employees. They also can help point you to state or regional grant opportunities.

Small Business Development Centers: You can turn to your local SBDC, which provides support to small businesses and aspiring entrepreneurs. They’re often associated with local universities or the state’s economic development agency, and many can help connect business owners with mentors and networking opportunities, as well as training on basic business skills. Your SBDC can also help you find financing opportunities.

Many corporations or large companies have a philanthropic component, offering their own small-business grants. While some provide grants only to nonprofits servicing specific industries, some do give directly to for-profit companies. With these types of grants, it’s important to be aware of submission deadlines because they often come around only once a year.

To help spread entrepreneurial success across demographics, many organizations focus their funding efforts on specific communities.

We’ve put together lists of:

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NerdWallet has come up with a list of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

Jackie Zimmermann is a staff writer at NerdWallet, a personal finance website. Email: jzimmermann@nerdwallet.com. Twitter: @jackie_zm.

The article Small-Business Grants: Where to Find Free Money originally appeared on NerdWallet.