workitems:
  - title: "Apply — South Bend Opportunity Fund"
    type: Task
    state: Researching
    priority: high
    labels: [Loan, City Program]
    description: |
      Loans $1-30K + free business coaching. Apply at isbdc.ecenterdirect.com/signup.
      Eligibility: South Bend business, revenues under $300K (we qualify — pre-revenue).

  - title: "Apply — Bankable Black-Owned Business Fund"
    type: Task
    state: Researching
    priority: high
    labels: [Loan, Federal]
    description: |
      Up to $50K at low interest. bankable.org/loans.
      Indiana Black-owned, unable to secure traditional bank loan.

  - title: "Apply — Flagstar BIPOC Grant"
    type: Task
    state: Backlog
    priority: medium
    labels: [Grant]
    description: |
      $5K working capital grant. BIPOC-owned in Flagstar market area.
      Check current application window.

  - title: "Apply — SBA Loan ($65-80K)"
    type: Task
    state: Backlog
    priority: high
    labels: [Loan, Federal]
    description: |
      Traditional SBA loan. Target $65-80K. Need: LLC (done), EIN (done),
      business plan, personal financials. Apply after Opportunity Fund coaching.

  - title: "Apply — USDA Business Builder"
    type: Task
    state: Backlog
    priority: medium
    labels: [Grant, Federal]
    description: |
      Up to $100K grant for food businesses. ams.usda.gov.
      Cyclical application windows — check dates.

  - title: "Research — REAP Solar Grant eligibility"
    type: Task
    state: Backlog
    priority: low
    labels: [Grant, Federal, Tax Credit]
    description: |
      USDA REAP covers up to 50% of solar/battery costs. Need to confirm
      trailer location is in a rural-eligible area (USDA eligibility map).
      Stack with 30% federal ITC for up to 80% covered.