COVID-19 Relief Resources for SMBs - Gusto
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This document provides information on sources of relief for COVID-19. We recommend that you review the individual websites for full details. Last Updated: 4/3/20
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Agency / DepartmentResourceDetailsHow to applyURL
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FEDERALU.S. Small Business Administration (SBA)SBA Disaster AssistanceThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). (3/14)

SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for non-profits is 2.75%.
https://disasterloan.sba.gov/ela/https://www.sba.gov/disaster-assistance/coronavirus-covid-19
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Small Business AdministationAutomatic deferment of previous SBA loansU.S. Small Business Administration Administrator Jovita Carranza announced changes to help borrowers still paying back SBA loans from previous disasters. By making this change, deferments through December 31, 2020, will be automatic. Now, borrowers of home and business disaster loans do not have to contact SBA to request deferment.No specific application process; deferments are automatic.https://www.sba.gov/about-sba/sba-newsroom/press-releases-media-advisories/carranza-implements-automatic-deferment-existing-sba-disaster-loans-through-end-2020
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USDa, HHS, FMAP, LaborFamilies First Coronavirus Response ActWorker Protections — The package requires employers to provide two weeks paid sick leave and up to three months of paid family leave for employees affected by the virus, the cost of which could then be claimed by the employer as a tax credit.No specific application process.https://www.congress.gov/bill/116th-congress/house-bill/6201
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Secretary of Health and Human ServicesHealthcare WaiversThe Secretary of Health and Human Services will be able to immediately waive provisions of applicable laws and regulations to give doctors, all hospitals, and healthcare providers maximum flexibility to respond to the virus and care for patients. (3/13)No specific application process.https://www.whitehouse.gov/briefings-statements/remarks-president-trump-vice-president-pence-members-coronavirus-task-force-press-conference-3/
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Department of EducationFederal Student Loan ReliefCOVID-related guidance: If you’re having trouble making payments, contact your loan servicer as soon as possible. If you have a federal Perkins Loan, contact your school. You can easily avoid the consequences of delinquency or default by staying in touch with your servicer or school.

Your servicer or school can provide information about deferment or forbearance options that allow you to temporarily stop making payments on your loans. You may also be able to change to a different repayment plan that would give you a lower monthly payment.
Contact your loan servicer, or your school if you have a federal Perkins Loan.https://studentaid.gov/announcements-events/coronavirus
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Department of LaborFamilies First Coronavirus Response Act
Worker Protections — The package requires employers to provide two weeks paid sick leave and up to three months of paid family leave for employees affected by the virus, the cost of which could then be claimed by the employer as a tax credit.

Employees of covered employers are eligible for:

- Two weeks (up to 80 hours) of paid sick leave at the employee’s regular rate of pay where the employee is unable to work because the employee is quarantined, and/or experiencing COVID-19 symptoms and seeking a medical diagnosis; or
- Two weeks (up to 80 hours) of paid sick leave at two-thirds the employee’s regular rate of pay because the employee is unable to work because of a bona fide need to care for an individual subject to quarantine, or to care for a child under 18 yrs whose school or child care provider is closed or unavailable for reasons related to COVID-19; and
- Up to an additional 10 weeks of paid expanded family and medical leave at two-thirds the employee’s regular rate of pay where an employee, who has been employed for at least 30 calendar days, is unable to work due to a bona fide need for leave to care for a child whose school or child care provider is closed or unavailable for reasons related to COVID-19.

Covered Employers: The paid sick leave and expanded family and medical leave provisions of the FFCRA apply to certain public employers, and private employers with fewer than 500 employees. Most employees of the federal government are covered by Title II of the Family and Medical Leave Act, which was not amended by this Act, and are therefore not covered by the expanded family and medical leave provisions of the FFCRA. However, federal employees covered by Title II of the Family and Medical Leave Act are covered by the paid sick leave provision.

Small businesses with fewer than 50 employees may qualify for exemption from the requirement to provide leave due to school closings or child care unavailability if the leave requirements would jeopardize the viability of the business as a going concern.
No application needed.https://www.dol.gov/agencies/whd/pandemic/ffcra-employee-paid-leave
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Small Business AdministationPaycheck Protection Loans (CARES Act)New SBA-backed Paycheck Protection loan program will help small businesses pay for expenses with the following provisions:

- Loans taken by small businesses to keep employees on payroll may be forgiven.
- 501(c)(3)s will also be eligible for this program.
- Federal government will forgive 8 weeks of cash flow, rent, and utilities at 100% up to 2.5x average monthly payroll.
- The law provides $350 billion for this loan program. .
- Businesses and 501(c)(3)s with less than 500 employees are eligible for this new loan.
- Sole proprietors, independent contractors, and self-employed individuals may also be eligible.
- Physician practices are eligible regardless of how they are structured.
- Small businesses in the hospitality and food industry that have less than $500 million in gross receipts with more than one location could also be eligible at the store and location level if the store employs less than 500 workers. This means that each store location could be eligible.
- If your franchisor appears in the SBA's National Franchise Directory, assistance will extend down to the franchisee at the store or location level.
More info here: https://www.sba.gov/funding-programs/loans/paycheck-protection-program. Interested applicants must apply with a participating bank; this program is not run through the SBA directly. https://armstrong.house.gov/issues/coronavirus-phase-iii-legislation
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USDA Rural DevelopmentDirect and Guaranteed LoansEffective March 19, borrowers with USDA single-family housing Direct and Guaranteed loans are subject to a moratorium on foreclosure and eviction for a period of 60 days. This action applies to the initiation of foreclosures and evictions and to the completion of foreclosures and evictions in process.
Guaranteed Loan Program:

• Guaranteed Loan borrowers who are in default or facing imminent default due to a documented hardship can have payments reduced or suspended by their lender for a period not to exceed 12 months delinquency.
• Guaranteed Loan servicing questions should be directed to: sfhgld.program@usda.gov.
Direct Loan Program:
• USDA has waived or relaxed certain parts of the application process for Single-Family Housing Direct Loans, including site assessments, and has extended the time period that certificates of eligibility are valid.
• A Direct Loan borrower who is experiencing a reduction of income by more than 10 percent can request a Payment Assistance package to see if he/she is eligible for payment assistance or for more assistance than currently received.
• Moratorium Assistance is available for Direct Loan borrowers experiencing medical bill expenses (not covered by insurance) or job loss because of COVID-19.
• Direct Loan questions should be directed to USDA’s Customer Service Center at 800-414-1226 (7:00 a.m.-5:00 p.m. Eastern Time Monday-Friday) or https://www.rd.usda.gov/contact-us/loan-servicing.
N/Ahttps://rd.usda.gov/sites/default/files/USDA_RD_SA_COVID19_ProgramImmediateActions.pdf
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USDA Rural DevelopmentRural Business-Cooperative ServicesBeginning immediately, through July 31, 2020, USDA Business and Industry Loan Guarantees (B&I) and Rural Energy for America Program (REAP) Guaranteed lenders may assist borrowers experiencing temporary cash flow issues by deferring payments for a period no longer than 120 days. The lender must notify The Agency in writing of any payment deferments.N/Ahttps://rd.usda.gov/sites/default/files/USDA_RD_SA_COVID19_ProgramImmediateActions.pdf
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USDA Rural DevelopmentRural Business-Cooperative Services - Part 2USDA extended the application deadline for the Rural Business Development Grant (RBDG) program to no later than April 15, 2020. Contact the Rural Development office for the deadline in your state.

USDA announced the extension in an Unnumbered Letter posted March 19, 2020.
• USDA extended the application deadline for the Rural Energy for America Program (REAP) to April
15, 2020. For additional information, see page 16925 of the March 25, 2020, Federal Register.
Prior to developing an application, interested applicants are encouraged to discuss the proposed project and application requirements with Robin Ezzo, Business and Cooperative Programs Specialist: (907) 761-7718.https://rd.usda.gov/sites/default/files/USDA_RD_SA_COVID19_ProgramImmediateActions.pdf
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STATE / LOCALAlabama
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - AlabamaGovernor Kay Ivey announced today that small businesses across Alabama negatively impacted by the coronavirus pandemic are eligible for assistance under the U.S. Small Business Administration’s Economic Injury Disaster Loan (EIDL) program.https://disasterloan.sba.gov/ela/https://www.fox10tv.com/news/coronavirus/alabama-governor-ivey-releases-statement-on-small-business-relief-loans/article_b0503bfe-6b86-11ea-a2d8-6727ce6c8c73.html
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Birmingham, AL Mayor's OfficeCOVID-19 Response PlanMarch 17, 2020 – Mayor Randall L. Woodfin’s $15 million COVID-19 Response Plan to fund police, fire, public works and a stimulus program for small businesses affected by the pandemic passed the Birmingham City Council Tuesday night.N/Ahttps://www.birminghamal.gov/2020/03/17/mayor-woodfins-15-million-covid-19-response-plan-approved-by-the-birmingham-city-council/
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Chamber of Commerce of West Alabama and the Community Foundation of West AlabamaSmall Business Relief FundOrganizers of a relief fund for small businesses affected by the COVID-19 outbreak say it has awarded more than $60,000 to 18 businesses this week. To qualify, businesses must have experienced a financial hardship as a result of COVID-19; have employed between two and 50 full-time employees as of Feb. 29; be in good standing with state and local government jurisdictions, and be located in Bibb, Fayette, Greene, Hale, Lamar, Marengo, Pickens, Sumter or Tuscaloosa County. Businesses can apply here: https://tuscaloosachamber.com/small-business-financial-assistance/N/Ahttps://www.al.com/business/2020/03/18-west-alabama-businesses-getting-funds-for-coronavirus-relief.html
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Department of LaborUnemployment Relief for EmployersThe Alabama Department of Labor is waiving charges for employers whose employees must file unemployment compensation claims due to COVID-19. The department is encouraging all employers who can file on their employees’ behalf to do so.N/Ahttps://www.labor.alabama.gov/news_feed/News_Page.aspx?id=203
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Alaska
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - AlaskaGovernor Mike Dunleavy is announcing that Alaskan businesses can now apply for the U.S. Small Business Administration’s (SBA) low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).https://disasterloan.sba.gov/ela/https://gov.alaska.gov/newsroom/2020/03/21/alaska-businesses-now-eligible-for-sba-economic-injury-disaster-loans/
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Alaska Governors OfficeEconomic Relief PlanGov called for $1,300 dollar Permanent Fund dividend payments in April, and for a one billion dollar fund, to stabilize the state’s economy. He also signed an executive order protecting 13,000 Alaskans who receive rental assistance from the Alaska Housing Finance Corporation (AHFC) from evictions for at least 60 days. AHFC also is being directed to suspend foreclosures.

Dunleavy authorized $75 million for emergency health care facilities and personal protective equipment for health care providers. He also authorized $100 million for an expected increase in state worker and public health workload, as well as funds for health safety equipment for all state workers.
N/Ahttps://www.alaskapublic.org/2020/03/20/gov-dunleavys-covid-19-economic-plan-includes-dividend-payments-in-april-plus-1-billion-in-statewide-relief/
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Alaska Industrial Development and Export AuthoritySustaining Alaska’s Future Economy Guaranty Program (AK SAFE).In collaboration with Alaska’s banks and financial institutions, AIDEA will provide a loan guarantee up to $1,000,000 per Borrower. The objective is to enable Alaska’s banks and financial institutions to immediately provide additional capital to Alaska businesses through their existing relationships as they continue to manage terms with those Borrowers.

Alaskan businesses with existing lines of credit through any lending institution in Alaska will be able to apply for a loan increase of up to $1 million dollars. These loans will be backed by the state through AIDEA
N/Ahttps://gov.alaska.gov/newsroom/2020/03/31/governor-announces-progress-on-alaska-covid-19-economic-stabilization-plan/
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Arizona
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - ArizonaThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).https://disasterloan.sba.gov/ela/
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State of ArizonaBusiness Loan and Foreclosure ReliefGovernor Doug Ducey today announced a cooperative agreement with the state’s banks to protect small businesses and families from eviction and foreclosure. Banks also committed to expediting the application and approval of small business loans as part of the $349 billion Paycheck Protection Program passed by Congress and signed into law last week. Under the agreement, banks are suspending evictions and foreclosures for at least 60 days, with the potential to extend that period for the duration of the state’s emergency declaration. Additionally, most banks have adopted a payment deferral program for business loans under guidance from banking regulatory agencies, and many banks are working directly with consumers on payment deferrals for certain consumer loans.No application info available yet.https://azgovernor.gov/governor/news/2020/03/governor-ducey-announces-new-steps-protect-families-and-small-businesses
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State of Arizona90-Day Liquor Licensing Payment ReliefTo provide additional assistance to restaurants and bars facing loss due to COVID-19, Governor Doug Ducey today announced the Arizona Department of Liquor Licenses and Control will defer the payment of all liquor licensing fees by 90 days. Previously, missing a liquor licensing payment period could result in a restaurant’s inability to sell liquor or even the loss of its liquor license. Today’s action fulfills a request by Arizona small business coalitions and provides additional financial relief to establishments and small businesses that could have faced penalties for late fees come April 1.https://azgovernor.gov/governor/news/2020/03/governor-ducey-announces-90-day-fee-relief-restaurants-bars-impacted-covid-19
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Arkansas
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U.S. Small Business Administration (SBA)SBA Disaster AssistanceThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).https://disasterloan.sba.gov/ela/
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Arkansas Economic Development CommissionQuick Action Loan ProgramAllocation of $4,000,000 from the Governor's Quick Action Closing Fund
Eligible companies may apply for a loan or loan guaranty of up to $250,000.

Prioritize small to medium-sized companies that are in the supply chain of essential goods and services (including healthcare, food manufacturing, logistics)
Community Development Block Grant (CDBG)

Up to $12 million in CDBG assistance will be made available for COVID19 relief and recovery. This money will be used to provide grants to eligible local governments with which to provide direct economic assistance in the form of loans to companies impacted by COVID19 and grants to clinics, hospitals and other non-profits who are working hard to provide care in rural Arkansas and to vulnerable populations such as the homeless. AEDC is undertaking necessary regulatory steps required by the federal government to implement this assistance. This page will be updated as more information becomes available.
For questions about ways AEDC can assist your business during this time, contact us by email or phone:

Email: COVID19.businessinfo@arkansasedc.com
Phone: 501-682-1121 or toll-free: 1-800-ARKANSAS
https://www.arkansasedc.com/covid19
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California
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Office of the GovernorFederal LoansGovernor Gavin Newsom unveiled a series of new resources to aid small businesses and help California workers who have lost work due to COVID-19.

Beginning today, California small businesses impacted by the COVID-19 crisis can apply for a loan from the federal government for up to $10 million. Importantly, the program is first-come, first-serve and the Governor encourages all eligible California small businesses to contact their lender to learn more.
https://www.gov.ca.gov/2020/04/02/governor-newsom-announces-new-help-for-small-businesses-workers-displaced-by-covid-19/
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Office of the GovernorState FundingGovernor Gavin Newsom today signed an executive order that allows for the immediate use of funds to support the state’s continuing efforts to protect public health and respond to the COVID-19 crisis.

The executive order facilitates expenditures from the state’s Disaster Response-Emergency Operations Account, a subaccount of the Special Fund for Economic Uncertainties in the General Fund – the state’s traditional budget reserve – as well as from any other legally available fund to help with the COVID-19 response.
https://www.gov.ca.gov/2020/04/01/governor-newsom-issues-executive-order-providing-for-expedited-resources-for-covid-19-response/
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CA Office of Small Business AdvocateSBA Funding & Loan ProgramsIBank will issue loan guarantees up to 95 percent of the loan through its partner Financial Development Corporations to help small business borrowers who were impacted by disasters or public safety power shutoffs and who need term loans or lines of credit for working capital. Small businesses, including small farms, nurseries, agriculture-related enterprises and nonprofits that have suffered an economic loss Resources for Businesses and/or physical damage may apply. This disaster program will help lenders and small businesses by providing loan guarantees of up to $1 million for small business borrowers in declared disaster areas.

IBank is also offering loans from $500 to $10,000 to low-wealth entrepreneurs in the declared disaster and emergency areas through its Jump Start Loan Program.
Application criteria are listed here: https://www.ibank.ca.gov/small-business-finance-center/

Qualifying small business owners can apply for a loan guarantee or get additional information by contacting one of the participating Financial Development Corporations (FDCs): https://www.ibank.ca.gov/publications/fdc/
https://business.ca.gov/coronavirus-2019/
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City of Los AngelesSmall Business Emergency Microloan ProgramThe Small Business Emergency Microloan Program will provide loans of $5,000 to $20,000 for small business enterprises that have been affected by the COVID-19 outbreak. Application criteria are listed here: http://ewddlacity.com/index.php/microloan-program

Qualifying businesses can apply online via a secure login system: https://cloud.bmisw.com/CityOfLA/Account/Login?ReturnUrl=%2FCityOfLA%2FWorkflow%2FEnter%2FMicroloan_Begin
http://ewddlacity.com/index.php/microloan-program
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Los Angeles Mayor's OfficeEconomic Relief PackageMayor Eric Garcetti announced an $11 million economic relief package for small businesses impacted by the novel coronavirus (COVID-19).N/Ahttps://www.lamayor.org/mayor-garcetti-announces-economic-relief-package-small-businesses-impacted-novel-coronavirus
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City of SacramentoEconomic Relief FundThe City of Sacramento has selected 101 local businesses to receive zero-interest loans from its $1 million COVID-19 economic relief fund. Those 101 businesses provide over 700 jobs in the City.https://sacramentocityexpress.com/2020/04/02/101-businesses-selected-to-receive-covid-19-economic-relief-loans-from-city/
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San Francisco Office of Economic and Workforce DevelopmentCOVID-19 Small Business Resiliency FundBecause of the disruptions that COVID-19 has created for our small business community, the COVID-19 Small Business Resiliency Fund was created. It allows impacted small business owners to access up to $10,000 for employee salaries and rent. Eligible small businesses must have between 1 and 5 employees, show a loss of revenue of 25% or more, have less than $2,500,000 in gross receipts, and be engaged in activities that are regulated by the City and County of San Francisco and have a related license/permit.

The application form is here: https://oewd.org/file/17350

https://oewd.org/covid-19-small-business-resiliency-fund
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San Francisco Office of the MayorPaid Sick LeaveLondon N. Breed announced a Workers and Families First Program to provide paid sick leave to private sector workers who have been impacted by the COVID-19 pandemic. This plan will include $10 million in public funding that will provide businesses with funding to provide an additional five days of sick leave pay to workers beyond their existing policies. The Workers and Families First Program will provide City financial assistance to businesses and nonprofits to provide additional paid sick leave time to employees, over and above their existing policies. All San Francisco businesses will be eligible, with up to 20% of funds reserved for small businesses with 50 or fewer employees. The City will contribute up to one week (40 hours) at $15.59 per hour (minimum wage) per employee, or $623 per employee. The employer will pay the difference between the minimum wage and an employee’s full hourly wage.N/Ahttps://sfmayor.org/article/mayor-breed-announces-plan-provide-paid-sick-leave-workers-impacted-coronavirus
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San Francisco Office of Economic and Workforce DevelopmentDefer business taxes and licensing feesDefers business tax payment due to February 2021. No interest payments, fees, or fines will accrue as a result of the deferral. This benefit will be offered to business with up to $10 million in gross receipts, benefiting approximately 8,050 businesses with an average $5,400 tax payment deferral each.

Delays license fees for three months, with a further delay to be contemplated based on need. This will lead to $14 million in deferrals impacting 11,000 payees.
No special application needed.https://sfmayor.org/article/san-francisco-announces-measures-support-small-businesses-response-covid-19
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San Francisco Office of Economic and Workforce DevelopmentSmall Business Emergency Loan FundMayor London N. Breed, Board of Supervisors Budget Chair Sandra Fewer, Supervisor Hillary Ronen, and the Office of Economic and Workforce Development (OEWD) announced their commitment to launch a new Small Business Emergency Loan Fund to support small businesses facing sudden revenue loss from COVID-19. The $10 million fund commits $9 million to a new Emergency Loan Fund, and an additional $1 million to expand the COVID-19 Small Business Resiliency Fund. The Resiliency Fund has received more than 2,000 applications since launching on March 11th.https://sfmayor.org/article/mayor-london-breed-and-board-supervisors-announce-10-million-small-business-relief-fundhttps://sfmayor.org/article/san-francisco-suspend-power-and-water-shutoffs-waive-penalties-and-interest-delinquent
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City of OaklandGrant ProgramThe City of Oakland announced the availability of emergency grants to help vulnerable small businesses weather the impacts of COVID-19. The grants will be administered by Working Solutions, a non-profit Community Development Financial Institution (CDFI).https://www.oaklandca.gov/news/2020/city-of-oakland-announces-availability-of-small-business-emergency-grants-in-partnership-with-working-solutions
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City of OaklandBusiness Tax Relief; Paid Sick LeaveIn response to this crisis, the City’s Finance Department will waive late payment penalties for small businesses resulting from failure to file taxes due March 1, 2020 on time due to COVID-19. To apply for a payment plan or to seek waiver of penalties due to COVID-19, please call the customer service line at (510) 238-3704 or email BTwebsupport@oaklandca.gov

Small businesses can receive direct help from the City’s Business Assistance Center by visiting visit oaklandbusinesscenter.com and completing the online assessment form. Staff in the Business Assistance Center will then work directly with the business to connect them with Oakland’s many business support organizations that offer financial products, technical assistance and other services to help local small businesses sturdy themselves in face of the pandemic. Please visit oaklandbusinesscenter.com for the latest information

The City is reminding all workers and employers of Oakland’s voter-approved sick leave benefits. During the COVID-19 pandemic, it is important that workers have the ability to take paid time off when they are sick. Measure FF, voter-approved in November 2014, requires the accrual of paid sick leave for any individuals employed in Oakland. The minimum rate of accrual is one hour paid sick leave for every 30 hours worked. Employers with less than 10 employees must allow employees to accrue up to 40 hours of paid sick leave at a time and larger employers with 10 or more employees must allow employees to accrue at least 72 hours of paid sick leave. If an employee feels as if their paid sick leave accrual is not accurate, they should reach out to minwageoak@oaklandca.gov

Through the Keep Oakland Housed program, services are available to all Oakland residents who are at risk of losing their housing. In addition to emergency financial assistance to help with rent, utility payments, and other housing-related costs, the program also offers supportive services and legal representation for tenants with an active eviction lawsuit.
See details in linkhttps://www.oaklandca.gov/news/2020/city-of-oakland-outlines-small-business-workforce-support-to-mitigate-impacts-of-covid-19
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Executive Department, State of CaliforniaExecutive OrderGovernor Newsom is relaxing the state WARN Act requirements for businesses affected by COVID-19.No special application needed.https://www.gov.ca.gov/wp-content/uploads/2020/03/3.17.20-EO-motor.pdf
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - CaliforniaThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).Apply for assistance here: https://disasterloan.sba.gov/ela/
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Colorado
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Denver Department of Housing StabilityTemporary Rental and Utility AssistanceThe Temporary Rental and Utility Assistance program (TRUA) offers resources to Denver residents who are facing a housing crisis or hardship to help prevent eviction or displacement. You can get: Up to 80% of your rent paid and help paying utilities. (3/16)The program is for Denver residents who earn $52,000 or less (individual) or $74,250 or less (household of 4). Assistance payments are made directly to the landlord or utility company. To apply, call 311 in-state and select option 6.https://www.denvergov.org/content/denvergov/en/housing-information/resident-resources/stay-in-your-home/rent-utility-help.html
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Denver Mayor's OfficeDenver SMB Relief FundDenver Mayor Michael Hancock said the city created a $4 million relief fund for small businesses and artists, who have essentially lost their livelihood due to the closure of restaurants and other gathering places in response to the novel coronavirus.N/Ahttps://kdvr.com/news/mayor-announces-4-million-relief-fund-for-denver-businesses-hurt-by-coronavirus/
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - ColoradoColorado small businesses impacted by COVID-19 can seek individual small business loans up to $2M as part of the Small Business Administration’s (SBA) Economic Injury Disaster Loan program. Colorado small businesses throughout all 64 counties and on all tribal lands may seek SBA Economic Injury Disaster Loans.https://disasterloan.sba.gov/ela/https://disasterloan.sba.gov/ela/
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State of ColoradoRemoving Restrictions on Insurance Coverage for Restaurant Delivery DriversIn an effort to protect these workers and their vehicles, the DOI’s emergency regulation 20-E-03 removes restrictions on two different types of auto insurance for the duration of Public Health Order 20-22. For restaurants that already have commercial automobile policies for drivers, the regulation allows those policies to cover new, unnamed drivers that will be put into delivery service during the COVID-19 emergency. If a restaurant does not have a commercial policy, the regulation allows employees to use their own personal auto insurance for their vehicle. The regulation removes the restriction for the restaurant employee’s personal insurance that would usually prevent commercial activity like food delivery. However, the regulation does not apply to workers who regularly deliver food or who work for other services not impacted by the restaurant closure that was part of Public Health Order 20-22.N/Ahttps://www.colorado.gov/governor/news/restaurant-workers-can-now-deliver-food-less-red-tape-and-insurance-delays
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State of ColoradoCOVID-19 Relief FundThe Colorado COVID Relief Fund’s purpose is to raise and coordinate allocation of funds based on prevention, impact and recovery needs of community-based organizations in Colorado. This Fund is organized to ensure that the most acute community needs across the state are being addressed and that community voice is reflected in all funding decisions made over time. Through this Fund, eligible community-based organizations across Colorado may receive a general operating grant of up to $25,000.

Organization type: Nonprofit organizations, local government, school districts and small businesses who are:
- Serving areas of the state with limited nonprofit capacity; and/or
- Serving a community need resulting from the COVID-19 crisis.
*Note funding is not available for: Businesses of any type seeking support related to operational needs, such as business interruption or closure, or employee-related issues such as payroll or paid leave.
https://covrn.com/covid-relief-fund/
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Town of SuperiorSmall Business Emergency Relief Grant ProgramThe Town of Superior has developed a Small Business Emergency Relief Grant program to help Superior business owners affected by the COVID-19 pandemic. This grant program will provide either a $5,000 or $10,000 grant to immediately offset some of the economic impact due to the pandemic. The Town is accepting applications from small businesses and restaurants with a brick-and-mortar presence in the community (not including home-based businesses).https://www.superiorcolorado.gov/Home/Components/News/News/3435/17
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Connecticut
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - ConnecticutCT announced that SBA has approved its request for funding. Small businesses can learn more about the program and apply for financial assistance at www.sba.gov/disaster or call the SBA at 1-800-659-2955.

Small businesses with questions about this SBA loan program or other assistance provided at the state-level can call 860-500-2333 to speak directly with a DECD representative. Businesses can also stay informed on news and guidance related to COVID-19 and its impact on Connecticut by visiting the state’s dedicated coronavirus website at ct.gov/coronavirus. (3/16)
https://disasterloan.sba.gov/ela/https://portal.ct.gov/Office-of-the-Governor/News/Press-Releases/2020/03-2020/Governor-Lamont-Announces-Connecticut-Businesses-Approved-to-Receive-Disaster-Assistance
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State of ConnecticutConnecticut Recovery Bridge Loan ProgramGovernor Ned Lamont today announced that Connecticut small businesses and nonprofits that have been negatively impacted by the global spread of the COVID-19 pandemic can now apply for one-year, no-interest loans of up to $75,000 under the launch of a new program administered by the state’s Department of Economic and Community Development (DECD). The Connecticut Recovery Bridge Loan Program will make $25 million available to Connecticut businesses and nonprofits that have 100 or fewer employees to assist with cash flow. Loan amounts are up to the lesser of either three months operating expenses and/or $75,000.N/Ahttps://portal.ct.gov/DECD/Content/Coronavirus-Business-Recovery/CT-Recovery-Bridge-Loan-Program
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State of ConnecticutInsurance Premium ReliefThe governor announced Wednesday a 60-day grace period for premium payments, policy cancellations and non-renewals of insurance policies beginning Wednesday, April 1. The move is designed to help those who have been furloughed, laid off or fired during the coronavirus crisis and are unable to make insurance payments. This includes life, health, automotive, casualty and other types of insurance plans. The grace period is not automatic - those wishing to take advantage of it must contact their insurance carriers.https://www.nbcconnecticut.com/news/local/governor-announces-60-day-grace-period-for-insurance-payments/2248972/
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Delaware
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Delaware Office of the GovernorHospitality Emergency Loan ProgramLaunched HELP (Hospitality Emergency Loan Program). Governor John Carney on Wednesday announced the Hospitality Emergency Loan Program (HELP) to provide financial relief for restaurants, bars and other hospitality industry businesses that employ thousands of Delawareans.N/Ahttps://news.delaware.gov/2020/03/18/governor-carney-announces-help-program-to-support-delaware-small-businesses/
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - DelawareThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).https://disasterloan.sba.gov/ela/https://disasterloan.sba.gov/ela/
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Florida
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Florida Department of Economic OpportunityEmergency Bridge Loan ProgramActivated the Florida Small Business Emergency Bridge Loan Program to support small businesses impacted by COVID-19. The bridge loan program, managed by the Florida Department of Economic Opportunity (DEO), will provide short-term, interest-free loans to small businesses that experienced economic injury from COVID-19. The application period opens March 17, 2020 and runs through May 8, 2020.Small business owners with two to 100 employees located in Florida affected by COVID-19 can apply for short-term loans up to $50,000. These loans are interest-free for up to one year and are designed to bridge the gap to either federal SBA loans or commercially available loans. To be eligible, a business must have been established prior to March 9, 2020 and demonstrate economic impacts as a result of COVID-19.https://floridadisasterloan.org/
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - FloridaThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).https://disasterloan.sba.gov/ela/https://disasterloan.sba.gov/ela/
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Georgia
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - GeorgiaGeorgia Receives SBA Statewide Disaster Declaration, Applications for Small Business Emergency Loans Now Open. This declaration will provide assistance in the form of SBA Economic Injury Disaster Loans to impacted small businesses in all 159 counties in Georgia.https://disasterloan.sba.gov/ela/https://gov.georgia.gov/press-releases/2020-03-19/georgia-receives-sba-statewide-disaster-declaration-applications-small
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Hawaii
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U.S. Small Business Administration (SBA)SBA Economic Injury Disaster Loan Assistance - HawaiiHawai‘i small businesses suffering financial losses due to the impact of COVID-19 can now file for low-interest working capital loans of up to $2 million from the SBA. The SBA approved a certification request submitted by Gov. David Ige, clearing the way for Hawai‘i small businesses to participate in the SBA’s Economic Injury Disaster Loan Assistance Program. The loans can be used to pay fixed debts, payroll and other bills that can’t be paid because of a disaster’s impact.https://disasterloan.sba.gov/ela/https://www.staradvertiser.com/2020/03/20/hawaii-news/federal-loans-available-to-hawaii-small-businesses-suffering-from-coronavirus-crisis-gov-david-ige-says/
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Idaho
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U.S. Small Business Administration (SBA)SBA disaster loans - IdahoFollowing Governor Brad Little’s request, SBA announced it is now offering low-interest federal disaster loans for working capital to Idaho small businesses suffering substantial economic injury as a result of the 2019 novel coronavirus (COVID-19). Businesses may qualify for Economic Injury Disaster Loans of up to $2 million to help meet financial obligations and operating expenses that could have been met if the disaster had not occurred.

Areas eligible for SBA disaster loans related to COVID-19 include: Cassia, Clearwater, Fremont, Owyhee, Twin Falls.
https://disasterloan.sba.gov/ela/https://gov.idaho.gov/pressrelease/idaho-small-businesses-impacted-by-coronavirus-can-now-access-federal-disaster-loans/
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Illinois
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - IllinoisIllinois businesses have statewide eligibility in a federal loan program, administered by the U.S. Small Business Administration. The low-interest loans offer up to $2 million in assistance per eligible small business or non-profit organization that applies. These loans can be used to pay fixed debts, payroll, accounts payable and other bills that cannot be paid due to the impact of the COVID-19 pandemic. The interest rate for businesses without credit available elsewhere is 3.75%, and the non-profit rate is 2.75%. According to the Small Business Administration, loans are available with long-term repayments to keep payments affordable, up to a maximum of 30 years.https://disasterloan.sba.gov/ela/https://www2.illinois.gov/sites/coronavirus/Resources/Pages/EconomicAssistance.aspx
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Illinois Department of Commerce and Economic OpportunityHospitality Emergency Grant ProgramThe Hospitality Emergency Grant Program provides $14 million drawn from funds originally budgeted for job training, tourism promotion, and other purposes to help hospitality businesses make ends meet in the midst of the COVID-19 pandemic. Grant funds are available to support working capital like payroll and rent, as well as job training, retraining, and technology to support shifts in operations, like increased pick-up and delivery.N/Ahttps://us.accion.org/news/covid-19-hospitality-business-grant-program/
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City of ChicagoChicago Small Business Resiliency FundAs a response to this challenge, the City is establishing a $100 million Chicago Small Business Resiliency Fund, which will help to provide small businesses with emergency cash flow during this immediate health crisis. Funds will be provided to eligible businesses as low-interest loans.

The loan terms will follow the guidelines below:

1) Repayment Term: Low-interest loans for a term of up to five years.
2) Loan Amount: Up to $50,000 but sized based on revenues before the COVID-19 outbreak.
3) Loan Proceeds: Proceeds are required to be used for working capital. At least 50% of proceeds should be applied toward payroll and commitment to retain the workforce at 50% of pre-COVID-19 levels.
To be eligible, businesses must meet the following requirements:
- Suffered more than 25% revenue decrease due to COVID-19
- Employ fewer than 50 employees and have gross revenues of less than $3 million in 2019
- Provide a City business address or City business license
- No pre-existing tax liens or legal judgments


In addition, please be prepared to provide the following information:
- Bank statements dating back to October 2019
- Your most recent tax return
- Photo ID (CityKey will be accepted)


Compelte this form to apply: https://www.surveymonkey.com/r/COVID19Chicago
https://6e571938-a0c1-4a2b-8c10-a72aa788b087.filesusr.com/ugd/4b33ae_d370bb1fd1ae41faa6ae6487e04c140c.pdf
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Indiana
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - IndianaIndiana small businesses are eligible for financial assistance under a disaster designation by the U.S. Small Business Administration (SBA). This declaration is in response to a formal request Gov. Holcomb submitted with the SBA on Tuesday, seeking assistance through the organization’s Economic Injury Disaster Loan program for small businesses impacted by the COVID-19 outbreak in Indiana.https://disasterloan.sba.gov/ela/https://calendar.in.gov/site/gov/event/gov-holcomb-announces-small-business-assistance-in-response-to-covid-19/
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Indiana Small Business Development CenterSBA Consulting and Training related to COVID 19Free business advising and application assistance for small businesses impacted by the COVID-19 outbreak.

Gener8tor is hosting emergency one-week virtual programs for small businesses affected by the COVID-19 outbreak. These programs will feature daily webinars designed to identify, understand and help small businesses secure resources to withstand the current crisis. One-on-one office hours will also be available. Register here.
Register here for the gener8tor virtual programs: https://www.gener8tor.com/emergency-response-programhttps://calendar.in.gov/site/gov/event/gov-holcomb-announces-small-business-assistance-in-response-to-covid-19/
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Iowa
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - IowaThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).https://disasterloan.sba.gov/ela/https://disasterloan.sba.gov/ela/
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State of IowaIowa Small Business Relief FundOn Monday, March 23, Governor Reynolds announced a new Iowa Small Business Relief Program that will provide financial assistance to small businesses and tax deferrals to any Iowa businesses that have been economically impacted by the COVID-19 pandemic. Application deadline is Tuesday, March 31, at 12 p.m.N/Ahttps://www.iowaeconomicdevelopment.com/our-agency-detail-resources/6710
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Iowa Small Business Development CentersSmall Business Development CounselingCounselors are available to help you navigate through the COVID-19 crisis. Learn more here: http://iowasbdc.org/covid-19/N/Ahttp://iowasbdc.org/covid-19/
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Kansas
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - KansasGovernor Laura Kelly announced today that the U.S. Small Business Administration approved her request to make loans of up to $2 million available to small businesses disrupted by coronavirus. The disaster declaration extends to all 105 Kansas counties, making low-interest federal disaster loans for working capital available for Kansas small businesses suffering substantial economic injury.https://disasterloan.sba.gov/ela/https://www.kansascommerce.gov/2020/03/kansas-small-businesses-eligible-for-disaster-loans-from-the-small-business-administration/
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Kentucky
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - KentuckyThe SBA has updated the Disaster Declaration website to include all counties in Kentucky. Business owners can now begin the online application for the Economic Injury Disaster Loan from the SBA website. Click Here to begin the online application for an SBA Economic Injury Disaster Loan. The U.S. Small Business Administration (SBA) has designated COVID-19 as a qualifying event for the provision of Economic Injury Disaster Loans (EIDL) for businesses and private non-profits in declared zones (every county in Kentucky).https://disasterloan.sba.gov/ela/https://www.ksbdc.org/coronavirus
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Kentucky SBDCBusiness CoachingFor your convenience and to comply with social distancing guidelines, our business coaches are available to meet via Zoom web conference, email, or a simple phone call to help you develop a plan of action for your business.N/Ahttps://www.ksbdc.org/coronavirus
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Louisiana
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - LouisianaThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).https://disasterloan.sba.gov/ela/https://neworleanscitybusiness.com/blog/2020/03/19/sba-louisiana-businesses-will-be-eligible-for-covid-19-disaster-loans/
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New Orleans Business Alliance
Gig Economy Relief FundNOLABA is committing $100,000 to initiate the fund, with a goal of increasing the fund assets to a minimum of $500,000. We have issued a charge across the community to encourage business leaders, philanthropy, and concerned New Orleanians to contribute to increase the potential reach and impact of this relief effort.Click here for eligibility requirements and an application: https://www.nolaba.org/relief-fund/https://www.nolaba.org/relief-fund/
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Greater New Orleans FoundationDisaster Response and Restoration FundDue to the impact of the new coronavirus (COVID-19) Pandemic, the Greater New Orleans Foundation has activated its Disaster Response and Restoration Fund to provide assistance to those who are most in need.N/Ahttps://www.gnof.org/
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Louisiana Economic DevelopmentHelp Desk for Louisiana BusinessesGov. John Bel Edwards and Secretary Don Pierson of Louisiana Economic Development announced the opening of an LED help desk that provides email and hotline support for Louisiana businesses impacted by COVID-19. For COVID-19 business questions, LED may be reached at LEDbiz@la.gov or via the toll-free hotline, (833) 457-0531. The COVID-19 hotline is staffed from 8 a.m. to 8 p.m. Monday through Friday. Be aware that high call volumes might result in delays. Callers are encouraged to keep trying, leave a voice mail or contact LED via email.N/Ahttps://gov.louisiana.gov/index.cfm/newsroom/detail/2437
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Louisiana Economic DevelopmentLouisiana Loan Portfolio Guaranty ProgramGov. John Bel Edwards announced a new Louisiana Loan Portfolio Guaranty Program, which will offer loans of up to $100,000 to Louisiana small businesses of fewer than 100 employees that are impacted by the COVID-19 crisis. To help Main Street and rural businesses sustain operations, the loans will require no payments for 180 days and carry below-market interest rates of no more than 3.5 percent. Interested businesses may find loan details at OpportunityLouisiana.com/covid19, and a list of participating bankers will be posted at the site by Friday, April 3rd as banks complete their participation agreements.https://gov.louisiana.gov/index.cfm/newsroom/detail/2441
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Maine
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - MaineThe U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Maine is now eligible for the Economic Injury Disaster Loans program, which can provide up to $2 million to small businesses.https://disasterloan.sba.gov/ela/https://disasterloan.sba.gov/ela/
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The Finance Authority of Maine (FAME) & SBASpecial Loans and Loan InsuranceThe Finance Authority of Maine (FAME) is partnering with the U.S.
Small Business Administration (SBA) and local Maine lenders to offer special, limited time loans and loan insurance to eligible Maine businesses affected by COVID-19.

FAME and participating lenders will make special terms available to Maine-based businesses that have experienced interruption or hardship due to COVID-19. Various benefits include: loans up to $50,000 offered at reduced interest rates; interest-only payments; up to 75% pro-rata loan insurance on loans up to $100,000; interim financing in conjunction with the SBA wherein FAME makes loan proceeds available while approved SBA borrowers await federal funding.
N/Ahttps://www.famemaine.com/business/programs/covid-19-relief-loan-programs/
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Office of the Governor, MaineSupport for Small BusinessesThe Governor encourages Maine people to safely support local businesses through efforts like PayitForwardMaine while being mindful of crucial physical distancing guidelines and using online transactions or pickup and delivery services.N/Ahttp://payitforwardmaine.com/
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Office of the GovernorHealth Insurance"Governor Janet Mills announced that she has signed The Made for Maine Health Coverage Act to improve private health insurance for Maine people and small businesses. The law – sponsored by House Speaker Sara Gideon and Senate President Troy Jackson on the Governor’s behalf and passed unanimously by the Legislature – makes some of the most common medical visits free or less costly, simplifies shopping for a plan, leverages federal funds to help make premiums more affordable for small businesses, and puts Maine in the driver’s seat to ensure that all Maine people have clear choices for their coverage.

The law takes effect 90 days after the Legislature’s adjournment on June 16, 2020."
N/Ahttps://www.maine.gov/governor/mills/news/governor-mills-signs-bill-improve-health-insurance-maine-people-and-small-businesses-2020-03
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Maryland
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U.S. Small Business Administration (SBA)SBA Disaster Assistance - MarylandCurrently, businesses in Montgomery County and Prince George's County are eligible to apply for assistance as part of the Capital Region - visit SBA's website to apply now. Once the state of Maryland receives official designation, individual businesses can then apply directly to the SBA for loans. We will update this section as we receive more information.https://disasterloan.sba.gov/ela/https://businessexpress.maryland.gov/coronavirus
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Department of LaborCOVID-19 Layoff Aversion FundGovernor Larry Hogan and the Maryland Department of Labor have launched the new COVID-19 Layoff Aversion Fund, which is designed to support businesses undergoing economic stresses due to the pandemic by preventing or minimizing the duration of unemployment resulting from layoffs. The award (up to $50,000 per applicant), will be a quick deployable benefit and customizable to the specific needs of your business to minimize the need for layoffs.As of 3/31, applications are no longer being accepted: https://www.dllr.state.md.us/employment/covidlafund.shtmlhttp://www.labor.maryland.gov/employment/covidlafund.shtml
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Department of CommerceState FundingGovernor Larry Hogan announced that Maryland has allocated more than $175 million to assist small businesses and nonprofit organizations impacted by the Coronavirus outbreak. Up to $130 million in new funding, through the Maryland Department of Commerce, will help support new loan and grant programs as well as manufacturers, and $7 million in funding through the Maryland Department of Labor is designed to help small businesses retain their workforce.Click here for programs and application info: https://commerce.maryland.gov/fund/maryland-small-business-covid-19-emergency-relief-fund-programshttps://commerce.maryland.gov/media/governor-hogan-announces-more-than-$175-million-for-businesses-impacted-by-coronavirus
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Massachusetts
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Massachusetts Baker-Polito AdministrationSmall Business Recovery Loan FundAnnounced economic support for small businesses with a $10 million loan fund to provide financial relief to those that have been affected by COVID-19.To be eligible, businesses (includes nonprofits) must be Massachusetts-based, impacted by COVID-19, and have under 50 full- and part-time employees. Businesses must have been profitable as of 3/10/20, with no adverse personal credit reports 60 days past due for the past 6 months. Loans are immediately available with no payments due for 6 months.

Application info here: https://www.empoweringsmallbusiness.org/what-we-offer/emergency-loan-funds/covid-19-loan-fund
https://www.mass.gov/news/baker-polito-administration-announces-10-million-small-business-recovery-loan-fund
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