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Bring Your Dream Home: How to Start a Business as a Parent With Disabilities

Article written by Ed Carter

According to the Social Security Administration, a disability is anything that prevents you from engaging in substantial gainful activity due to physical or mental impairment. While many parents with disabilities qualify for SSA benefits, these benefits are not always enough to cover living expenses or the expenses of running a family. Entrepreneurship provides opportunities for parents with disabilities to provide for their families while having a fulfilling, flexible career.

Make Your Own Accommodations

When you apply for a job, there are accommodations employers have to make. But as the owner of your own business, you have the ability to decide on the accommodations you require. Starting a home-based business allows you to set up your office to accommodate your disability and stay on top of any medical regimen.

Running your business from home keeps you close to your children. However, while you may have more time to spend with your kids, make sure to keep your business and family life separate. Teach your kids the rules of the business. Establishing a routine should be your first order of business. If your children know that you work through the hours in the early morning, they are more likely to give you peace while you work. If you have clients who come to your home, explain to your kids how to behave when clients are in your office.

Seek Special Financing Options

To start a business, you need financing. The most common funding options for small businesses include:

  • Using a savings account

  • Opening credit card accounts

  • Seeking crowdfunding

  • Applying for loans

  • Finding investors

The Small Business Administration sponsors small business financing options. Instead of a traditional loan from a bank, you may qualify for an SBA loan. The SBA backs the loan to minimize the bank's risk.

Unlike loans, investors and crowdfunding do not require you to pay the money back. Angel investors finance businesses for a share of the equity in the business. On the other hand, crowdfunding involves creating a business proposal to convince people to contribute to your company.

There are grants available for certain types of business owners who have disabilities. For example, the National Arts and Disability C