Sunday, September 27, 2020
Covid-19 Resources

Covid-19 Resources (USA)


Federal Resources

Description

The CARES ACT’s Employee Retention Credit (Payroll Tax Credit)

The Employee Retention Credit (also known as the Payroll Tax Credit) under the CARES Act encourages businesses to keep employees on their payroll. The refundable tax credit is 50% of up to $10,000 in wages paid by an eligible employer whose business has been financially impacted by COVID-19. For example, for employees making at least $40,000 a year, you can save $20,000 in payroll taxes per employee—basically $5,000 per employee per quarter. Only businesses and nonprofits not getting PPP (Payroll Protection Program) funds may apply.

What You Should Know about EEOC Laws and COVID-19

Amidst the evolving pandemic, there is a great deal of confusion among employers about how some EEO Laws (Equal Employment Opportunity Laws) apply. Here are some of the most asked questions—and EEOC’s answers...
3 Things Employers Most Want to Know
  • Am I allowed to take the temperature of my employees? Yes, though be aware that some people who have COVID-19 may not register a fever.
  • Can I require my employees with COVID-19 symptoms to stay home? Yes.
  • Can I administer COVID-19 tests to my employees before allowing them to come to work? Yes, as long as testing is safe, consistently applied, and follows CDC guidelines.

SBA ECONOMIC INJURY DISASTER LOANS - EIDL

In response to the COVID-19 pandemic, small business owners in all U.S. states, the District of Columbia and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. This advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available following a successful application. This loan advance will not have to be repaid.

This program is for any small business with fewer than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by COVID-19.

Businesses in certain industries may have more than 500 employees if they meet the SBA’s size standards for those industries.

CARES ACT

Signed into law March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (CARES) Act (the “Act”) aims to provide fast and direct economic assistance for small businesses, American workers and families, and preserve jobs for American industries. A significant  initiative under the Act is the Paycheck Protection Program (PPP) that provides 100% federally guaranteed loans to small businesses. These loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.

As the original $349 billion in funding allocated to the PPP ran out, on April 24, 2020, the President signed into law a bill that authorizes several billion dollars in additional funding for the PPP and the SBA's Economic Injury Disaster Loan (EIDL) program (see section below for information), as well as providing more funding for hospitals and testing for COVID-19.

In this round, over $300 billion in funding for the PPP is available, and the SBA began accepting PPP applications from participating lenders on Monday, April 27, 2020.  All small businesses, nonprofit organizations, veterans’ organizations, tribal businesses described in the Small Business Act, self-employed and independent contractors are eligible if they meet program size standards.

You can apply for the PPP loan through any existing SBA 7(a) lender or any federally-insured depository institution, federally-insured credit union, and farm credit system institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender to see if it is participating in the program.

If you wish to begin preparing your application, you can download a copy of the PPP borrower application form that will be requested when you apply with a lender.

PPP tools and resources:

Small Business Administration (SBA) Covid-19 Resources

The coronavirus small business guidance and loan resources page is continually updated with tools and resources. All U.S. states and territories are eligible.

Internal Revenue Service (IRS)

Treasury and IRS Delay Federal Tax Day from April 15 to July 15

On March 21, 2020, the U.S. Treasury Department and Internal Revenue Service (IRS) announced that the tax filings and payments for all federal income taxes (including self-employment tax) due on April 15, 2020, regardless of amount, will now be due on July 15, 2020.  All taxpayers and businesses have this additional time to file and make payments without interest or penalties. Taxpayers are not required to file any documentation to take advantage of this delay, and no interest or penalties will be assessed in connection with this extension.  This is an expansion of the relief previously announced on March 18, 2020.

 

Treasury and IRS will issue additional guidance as needed and continue working with Congress, on a bipartisan basis, on legislation to provide further relief to the American people.

 

Click here to view the guidance.

 

Visit Treasury.gov/coronavirus for further information and resources regarding COVID-19.

 

Visit IRS.gov/coronavirus for further information on IRS efforts to assist taxpayers.

SBA Economic Injury Disaster Loan Program

The SBA is providing low-interest working capital loans of up to $2 million to small businesses and nonprofits affected by the coronavirus in presidential and SBA-declared disaster areas as part of its disaster assistance program. In order to qualify State governors must request access to the Economic Injury Disaster Loan program for businesses located in their states.

Loan repayment terms vary by applicant, up to a maximum of 30 years and carry an interest rate of 3.75% for small businesses and 2.75% for nonprofits.  

How to Apply
Apply online and select “Economic Injury” as the reason you’re seeking assistance or you may call the SBA Disaster Assistance Customer Service Center at 1-800-659-2955. 


You’ll need to supply required supporting documentation that could include the business’s most recent tax returns, a personal financial statement and a schedule of liabilities that lists all your current debts. 

Families First Coronavirus Response Act

On March 18, 2020, President Trump signed into law the “Families First Coronavirus Response Act” (FFCRA). The FFCRA, among other benefits, provides full-time employees with up to 10 days of paid sick leave, subject to payment level caps, for a variety of reasons relating to COVID-19 and provides employees with up to 12 weeks of paid leave, subject to a payment level cap, to care for a child under the age of 18 who is home due to school or day care closures or because their caregiver is unavailable as a result of COVID-19. The employers’ payments will be recoverable through tax credits. 

Read the text of the Act here.

US state/municipality

StateJurisdictionLink
CaliforniaAll

California Order N-31-20

California’s Order N-31-20 Suspends Certain Employer Obligations with Regard to Layoffs – Read Here
New YorkNYC

NYC Department of Small Business Services

The NYC Small Business Services is offering grants and zero-interest loans to businesses in specific categories of size and revenue impact. Businesses with fewer than 100 employees who have seen sales decrease by 25% or more will be eligible for zero-interest loans of up to $75,000 to help mitigate losses. The city is also offering small businesses with fewer than 5 employees a grant to cover 40% of payroll costs for two months to help retain employees. The source also provides other resources for dealing with COVID-19, including business continuity planning checklist and business planning checklist for pandemics.
New YorkAll

New York: Non-essential businesses statewide are closed

Reminder: Non-essential businesses statewide are closed (in-office functions). Essential businesses including pharmacies & grocery stores will remain open. Here's the full list of essential businesses & services: on.ny.gov/3boCA0x
HawaiiAll

Hawaii announced that the Small Business Administration SBA) approved an economic disaster declaration

Senator Mazie K. Hirono (D-Hawaii) announced that the Small Business Administration (SBA) approved an economic disaster declaration for the state of Hawaii due to the COVID-19 pandemic. With this disaster declaration, Hawaii businesses affected by the outbreak can now apply for SBA’s Economic Injury Disaster Loans (EIDL).

“The SBA’s decision today unlocks much-needed assistance for Hawaii small businesses,” Senator Hirono said. “This interim step will provide urgent support while I continue fighting to secure additional relief in any new stimulus package.”

More information about SBA’s disaster loans is available online. Hawaii businesses interested in applying for these loans can download this fact sheet, and visit https://www.sba.gov/disaster.

CaliforniaLos Angeles

City of Los Angeles Small Business Emergency Microloan Program

Los Angeles businesses and microbusinesses that are responsible for providing low-income jobs can get an emergency microloan of $5,000 to $20,000. Repayment terms of the loans vary from six months to one year, carry an interest rate of 0%, and five-year loans have interest rates of 3% to 5%.

Who’s eligible: To get a loan, you must meet requirements including having “reasonable and responsible” individual credit history, committing to use the loan for working capital only, and ensuring your business is located within the City of Los Angeles. If you own 20% or more of the business, you must guarantee the loan.

How to apply: Apply online and provide supporting documentation including business and personal tax returns, three months of bank statements and business and personal financial statements.

Los Angeles has also instituted a moratorium on evictions of businesses impacted by the coronavirus through March 31.

ColoradoDenver

Denver Small Business Emergency Relief

This program offers cash grants of up to $7,500 to businesses in industries particularly hard-hit by Covid-19.

Who’s eligible: Small businesses that have lost the ability to operate, including restaurants, retail shops, nail salons, and barbershops. 

How to apply: Grants will be distributed monthly, and the first applications will be due March 31. There aren't many details, but fill out an interest form to get more information from the city.

FloridaAll

Florida Business Recovery

Loans worth $50,000 — $100,000 in certain special cases — are available to coronavirus-affected small businesses. The loans are meant to serve as short-term funding that can be repaid once businesses can access alternative funding. Loans are interest-free for one year; after that, the interest rate rises to 12%.
Who’s eligible: For-profit small businesses with two to 50 employees. Any previous bridge loans a business has taken out must be paid off.
How to apply: You have until May 8, 2020 to submit, along with supporting documents including business tax returns, individual tax returns, and employer tax documentation.

Illinois

Chicago

Chicago Small Business Resiliency Fund

Small businesses in Chicago starting on March 31 can apply for low-interest loans of up to $50,000 with repayment terms of up to five years. The amount of the loan you’ll qualify for is dependent on revenue before the business was affected by Covid-19.
Who’s eligible: The company must demonstrate a 25% drop in revenue, have no more than $3 million in revenue and fewer than 50 employees, and have no current tax liens or legal judgments.
How to apply: Businesses should apply online and include their most recent tax return, bank statements going back to October 2019 and photo ID.

Michigan

All

Michigan Small Business Relief Program

Starting on or around April 1, the State of Michigan will provide both grants and loans to small businesses affected by Covid-19. Grants will be available in amounts of up to $10,000 to help cover working capital. Loans will be available in amounts from $50,000 to $200,000 at interest rates of 0.25%.
Who’s eligible: Companies with 50 employees or fewer can qualify for grants, while loans are targeted at companies with 100 employees or fewer that can’t get credit elsewhere. In both cases, businesses must show income loss.
How to apply: Applications haven't gone online yet but sure to check the Michigan Economic Development Corporation for updates.

OregonBeaverton

Beaverton Emergency Business Assistance Program

Businesses in Beaverton that were ordered to close as a result of government Covid-19 guidelines can apply for $2,500 per month in rent or mortgage reimbursement while the city is in a declared state of emergency.

Who’s eligible: Businesses with fewer than 50 employees that have been ordered to change their services due to the Covid-19. They must have a commercial storefront in Beaverton and a rental lease or mortgage on the property.

How to apply: Funds are awarded on a first-come, first served basis. Submit an application online.

OregonHillsboro

Hillsboro Small Business Emergency Relief Program

Between March 23 to April 20, businesses in Hillsboro can apply to receive a $5,000 grant to offset losses associated with Covid-19. Restaurants, bars, education facilities, and businesses that serve large groups of people will be given priority.

Who’s eligible: Businesses with 10 or fewer employees will be prioritized.

How to apply: Submit a W-9, federal tax ID number and Hillsboro business license number along with an online application.

OregonPortland (Jade District)

Jade District-Oldtown COVID-19 Small Business Response Fund

Small businesses in the Jade District and Old Town Chinatown neighborhoods of Portland can apply for emergency funding to support their businesses by March 23. Up to $190,000 total is available from local government sources. Priority will be given to Asian- and Pacific Islander-owned businesses.
PennsylvaniaAll

Pennsylvania Chamber of Business and Industry

The Pennsylvania Chamber of Business and Industry has this website dedicated to helping business across the Commonwealth. Now that Covid-19 has made its way to the U.S., Pennsylvania businesses are inquiring about information to be prepared to help their company, their employees, and their families.

The following are resources that provide helpful information you may need to navigate the current situation:

OhioAll

Ohio: Resources for Economic Support

  • Small Business Administration's (SBA) Economic Injury Disaster Loan Program
    Ohio small businesses and nonprofits are now eligible to apply for up to a $2 million, low-interest loan through the SBA. Apply online at SBA.gov/disaster, which is recommended, or call (800) 659-2955 to have an application mailed to you.
  • Liquor buyback
    The Ohio Department of Commerce will immediately begin offering a liquor buyback option to support bars and restaurants. This is intended to aid those establishments that have stocked up on high proof liquor, but now are facing closure to in-house patrons. Bars and restaurants can return unopened, high proof liquor products (obtained within the past 30 days) to the agency where they purchased the product. This opportunity is also extended to those with temporary (F2) permits for events scheduled between March 12 and April 6, 2020. Questions about this program should be directed to the Liquor Enterprise Service Center at 1-877-812-0013 or OhioLiquorInfo@Com.Ohio.gov.

MarylandAll

Maryland COVID-19 Emergency Relief Fund Programs for Businesses

Maryland has authorized $130 million in loan and grant funding for small businesses and manufacturers that have been negatively impacted by the Coronavirus (COVID-19). This emergency assistance provides interim relief and proceeds that can be used to pay cash operating expenses including payroll, suppliers, rent, fixed debt payments and other mission critical cash operating costs.

If you are a Maryland-based business impacted by the Coronavirus with under 50 full- and part-time employees, or a Maryland manufacturer, check out the programs below to see if you qualify for assistance.

ArkansasAll

Arkansas

The State Chamber of Commerce has created a list of resources and regularly-updated information for business owners in the state.

Arkansas COVID-19 Resources for Businesses and Employers

The Arkansas Economic Development Commission has compiled a list of programs and resources to help combat the effects of COVID-19 and will continue to update this list as additional resources become available.

For health and education updates, visit the Arkansas Department of Emergency Management website here

CaliforniaAll

California Employment Resources

Labor and Workforce Development Agency – Resources for employers and workers including workers’ compensation and paid sick leave.
Labor Commissioner’s Office FAQs – Employee leave options, compensation, and salary.
Department of Fair Employment and Housing – Job protection and employment discrimination.
CaliforniaAll

California Tax Assistance

Employers experiencing a hardship as a result of COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit state payroll taxes without penalty or interest. A written request for extension must be received within 60 days from the original delinquent date of the payment or return.

For questions, employers may call the EDD Taxpayer Assistance Center. 
Toll-free from the U.S. or Canada: 1-888-745-3886
Hearing impaired (TTY): 1-800-547-9565
Outside the U.S. or Canada: 1-916-464-3502
CaliforniaAll

California Potential Closure or Layoffs

Employers planning a closure or major layoffs as a result of the coronavirus can get help through the Rapid Response program. For more information, refer to the Rapid Response Services for Businesses Fact Sheet (DE 87144RRB) (PDF) or contact your local America’s Job Center of CaliforniaSM.
CaliforniaAll

California Potential Closure or Layoffs

Employers experiencing a slowdown in their businesses or services as a result of the coronavirus impact on the economy may apply for the UI Work Sharing Program. This program allows employers to seek an alternative to layoffs — retaining their trained employees by reducing their hours and wages that can be partially offset with UI benefits. Workers of employers who are approved to participate in the Work Sharing Program receive the percentage of their weekly UI benefit amount based on the percentage of hours and wages reduced, not to exceed 60 percent. Visit Work Sharing Program to learn more about its benefits for employers and employees, and how to apply.
CaliforniaSan Fransisco

San Francisco Office of Economic and Workforce Development

The city’s Office of Economic and Workforce Development has a comprehensive list of resources and updated information for business owners in the bay area. The city is rapidly instituting programs to help business owners and is providing SBA economic injury disaster loans to San Francisco small businesses, offering up to $2M in assistance. For businesses with up to $10M in gross receipts, the city is deferring payment of quarterly business taxes due April 30, 2020 for nine months, to February 2021, with no interest or penalties. The city is also deferring collection of annual small business license and permit fees that make up the Unified License Bill for three months to June 30, 2020.

WashingtonSeattle

Seattle: SeattleMet

The SeattleMet has a vast list of resources for small business owners and employees in the metro area. Grants of up to $10,000 are available for businesses that make 80 percent (or less) of the area’s median income and have five or fewer employees. The business and occupation tax deadline has been extended, and there are deferred payment plans for utilities.
New JerseyAll

NJDOL and the Coronavirus (COVID-19): What Employers & Businesses Should Know

The state of New Jersey has set up the COVID-19/Novel Coronavirus Information for New Jersey Businesses portal where businesses can search for information on COVID-19 and its impact on New Jersey businesses. If you can't find what you are looking for, you can submit a question via the chat function below, and they promise to get back to you ASAP.

The NJDOL also has their COVID-19 website at https://www.nj.gov/labor/employer-services/business/covid.shtml
ConnecticutAll

Connecticut State Coronavirus Disease 2019 (COVID-19)

The State of Connecticut is continuing to take major steps to protect its businesses and residents during the coronavirus crisis. Here are some updates:

  • DECD's COVID-19 Business Emergency Response Unit: The Connecticut Department of Economic and Community Development has created a COVID-19 Business Emergency Response Unit dedicated to assisting businesses, navigate resources, and develop new resources. A dedicated phone line is available at 860-500-2333 to provide assistance to Connecticut's small businesses for this purpose.
  • SBA assistance: On March 16, the U.S. Small Business Administration approved Governor Lamont's request to begin offering disaster-relief loans to Connecticut small businesses and nonprofits. Companies in the state can now apply for loans of up to $2 million through a special page on the SBA website. SBA also has more valuable information for businesses.
  • Tax filing extensions: The Department of Revenue Services has extended deadlines for filing and payments associated with certain state business tax returns. Details are on DRS’s website.
MaineAll

Maine State Chamber of Commerce

The Maine State Chamber of Commerce and Maine’s regional and local chambers of commerce are closely monitoring the COVID-19 situation have developed a site to help you find answers to questions relating to this crisis and Maine businesses.  These resources will assist you in taking care of you and your familyyour employees, your business, and your community.  They will respond to questions and listen to concerns. 

FAME Partners with SBA, ME Lenders on COVID-19 Relief Loan Programs

Special loans and loan insurance available for eligible Maine small businesses affected by COVID-19

 

AlabamaAll

Business Council of Alabama (BCA) Coronavirus (COVID-19) Business Resources

The Business Council of Alabama (BCA) continues to closely monitor the spread of the Coronavirus (COVID-19) and its impact on job creators, workers, and families. BCA is working closely with the U.S. Chamber of Commerce to monitor the recent outbreak and its potential impact on the economy and the business community. There will likely be a slowdown in economic growth. The U.S. Chamber, in partnership with the White House, U.S. government agencies, and foreign government officials, has provided the most up-to-date information to ensure both employers and employees are prepared to address this issue.
West VirginiaAll

Coronavirus Guide for West Virginians

TexasAll

Texas Economic Development

COVID-19 UPDATE: The U.S. Small Business Administration (SBA) granted Texas’ Economic Injury Disaster Loan (EIDL) assistance declaration, making loans available statewide to small businesses and private, non-profit organizations to help alleviate economic injury caused by the Coronavirus (COVID-19). Small businesses who believe they may be eligible for an SBA EIDL, should visit the SBA’s website where they can directly apply for assistance. The online application is the fastest method to receive a decision about loan eligibility.

To sign up for Covid-19 Updates

Texas AssistHER Emergency Relief Grant

Texas Women’s University provides Texas-based women-owned businesses $10,000 to navigate coronavirus-related hardship.

Texas Small Business Emergency Micro-Grant Source (TSBEMS)

$1,000 micro-grants are available for Texas small businesses in operation for two years and currently open, but are experiencing coronavirus-related hardship.

http://texasblackexpo.com/tsbems/

OhioAll

Ohio legislation introduced H.B. No. 589 which Requires Insurers Offering Business Interruption Insurance to Cover Losses Due to COVID-19

Earlier this week, the Ohio legislation introduced H.B. No. 589 to require insurers offering business interruption insurance to cover losses attributable to COVID-19.  The bill declares the act to be “an emergency measure necessary for the immediate preservation of the public peace, health, and safety . . . to protect small businesses from catastrophic losses caused by commercial decline necessary to prevent the spread of COVID-19.”  If passed, it would go into immediate effect.  
The bill defines “state of emergency” as “the state of emergency . . . issued on March 9, 2020, to protect the well-being of Ohio citizens from the dangerous effects of COVID-19.”  It provides that “every policy of insurance insuring against loss or damage to property, which includes the loss of use and occupancy and business interruption, in force in this state on the effective date of this section, shall be construed to include among the covered perils under that policy, coverage for business interruption due to global virus transmission or pandemic during the state of emergency.”  The bill adds that “[t]he coverage required by this section shall indemnify the insured, subject to the limits under the policy, for any loss of business or business interruption for the duration of the state of emergency.”  
The bill would apply to business interruption policies issued by March 9, 2020 and held by Ohio-based companies with 100 or fewer employees working at least 25 hours per week.  
Under the bill, an insurer that indemnifies an insured for such COVID-19 related losses may apply to the state Superintendent of Insurance for relief and reimbursement from funds collected from an assessment charged to insurers and deposited into a Business Interruption Insurance Fund.  The Superintendent of Insurance is tasked with establishing procedures for the submission and qualification of claims and may pay such claims as they are received from such funds as are available to the Superintendent or after the assessment charged to insurers is collected.
The bill’s language closely resembles recently proposed bills in New Jersey and Massachusetts.  There is no guarantee that the bill will become law.  As has been raised with the New Jersey bill, there is a question whether a law that seeks to compel insurance coverage is constitutional.  

AlaskaAll

Alaska Chamber Business Resources for Coronavirus

Economic Injury Disaster Loan is Open for Alaska

Alaska’s federal disaster declaration submitted by Governor Dunleavy has been approved by the Small Business Administration (SBA). The SBA Economic Injury Disaster Loan application is now open to business owners in Alaska. SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance for a small business. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

State Resources

Delaware

All

Delaware Resources for Business

Non-Essential Businesses are Ordered to Close

On Sunday, March 22, 2020, Governor Carney ordered non-essential businesses in Delaware to close. The orders go into effect at 8:00 a.m. on Tuesday, March 24, 2020. They will remain in effect until May 15 or until the public health threat is eliminated.

Refer to the list of essential and non-essential businesses.

Reference Links

Delaware State Chamber of Commerce (DSCC)

Non-Essential Business Closure

District of Columbia (DC)ALL

District of Columbia

On March 17, 2020, the COVID-19 Response Emergency Amendment Act (COVID-19 Act) was signed in response to the COVID-19 pandemic.  Among the measures aimed at helping DC businesses and residents, the COVID-19 Act temporarily expands covered absences under the DC Family and Medical Leave Act and broadens unemployment insurance access for affected employees.

ArizonaAll

LFA’s Small Business Relief Fund

Local First Arizona and its community partners are launching a fund to provide mini-grants to Arizona's smallest, locally owned, independent enterprises. These micro-entrepreneurs — businesses with 0-3 employees and less than $250,000 in annual revenue (approximately $35k-$45k in net profits) — need immediate assistance to sustain the impact from decreased business and cash flow caused by the shut down of our economy.

GeorgiaAll

Georgia Receives SBA Statewide Disaster Declaration, Applications for Small Business Emergency Loans Now Open

On March 18, 2020, Governor Brian P. Kemp announced that Georgia has received an official statewide disaster declaration from the U.S. Small Business Administration (SBA). This declaration will provide assistance in the form of SBA Economic Injury Disaster Loans to impacted small businesses in all 159 counties in Georgia. Small business owners should visit www.disasterloan.sba.gov for information and the application.

COVID-19 Disaster Relief Programs

Truist Financial Corp. is offering grants to small businesses that have experienced substantial losses in recent weeks through their community development financial institutions. Grants range from $5,000 to $25,000 and are only available to businesses with fewer than 10 full-time employees and no more than $1 million in gross revenue.

IdahoAll

Is Your Business Affected by Coronavirus? Apply for the WaFd Bank Small Business Lifeline.

Washington Federal Bank is offering 5-year business lines of credit with 90 days interest free to business affected by COVID-19. Small businesses who have seen a 10% or greater drop in revenues can apply to receive up to $200,000 on business lines of credit.

IllinoisAll

Illinois Small Business Emergency Loan Fund

DCEO and the Illinois Department of Financial and Professional Regulation (IDFPR) are establishing the Illinois Small Business Emergency Loan Fund to offer small businesses low interest loans of up to $50,000. Businesses located outside of the City of Chicago with fewer than 50 workers and less than $3 million in revenue in 2019 will be eligible to apply.

ILLINOIS: statewide outside Chicago

Downstate Small Business Stabilization Program

Illinois' Department of Commerce is providing businesses not located within the Chicago area, through the Downstate Small Business Stabilization Program, grants of 60 days of working capital up to $25,000. This is available for businesses that employ 50 people or fewer.

IndianaAll

Rapid Response Loan Fund

Through the Indy Chamber's Business Ownership Initiative (BOI) and its partners, this is an affordable option for loans of $1,000-$25,000. These loans have a 3.75% interest rate and no application fee, along with no prepayment penalties. The loans can be used to pay employee salaries, insurance premiums, or as a bridge loan until additional funding kicks in from your bank or from the SBA.

IowaAll

SMALL BUSINESS RELIEF GRANT PROGRAM & TAX DEFERRAL

Governor Reynolds announced the launch of a new Iowa Small Business Relief Program that will provide financial assistance to small businesses that have been economically impacted by the COVID-19 pandemic. The program offers eligible small businesses grants ranging from $5,000-$25,000 in addition to offering Iowa businesses a deferral of sales and use or withholding taxes due and waiver of penalty and interest.

KansasAll

HOSPITALITY INDUSTRY RELIEF EMERGENCY FUND

The Kelly Administration has established the Hospitality Industry Relief Emergency (HIRE) Fund  to provide bridge loans for Kansas’ hospitality sector during the COVID-19 crisis. The administration has allocated $5 million for a round of bridge loans to hospitality businesses. Eligible businesses in Kansas will be able to apply for a one-time loan of up to $20 thousand at 0% interest for
KentuckyAll

SBA to Provide Disaster Assistance Loans for Small Businesses Impacted by Coronavirus (COVID-19)

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 every county in Kentucky. The EIDL is a low-interest, fixed-rate loan that can provide up to $2 million in assistance for a small business.

LousianaAll

Small Business Loan and Guaranty Program

The program's purpose is to provide financial assistance, which will help with the development, expansion and retention of Louisiana's small businesses. The program is administered by Louisiana Economic Development through Louisiana Economic Development Corporation (LEDC), with loans ranging from $5,000 to $1.5 million.

MassachusettsAll

Baker-Polito Administration Announces $10 Million Small Business Recovery Loan Fund

The Baker-Polito Administration announced economic support for small businesses with a $10 million loan fund to provide financial relief to those that have been affected by COVID-19. The $10 million Small Business Recovery Loan Fund will provide emergency capital up to $75,000 to Massachusetts-based businesses impacted by COVID-19 with under 50 full- and part-time employees, including nonprofits.  Massachusetts Growth Capital Corporation (MGCC) has capitalized the fund and will administer it.

MinnesotaAll

Immediate relief available for Minnesota small businesses hurt by coronavirus

Gov. Tim Walz signed an executive order on Monday afternoon that authorized the Minnesota Department of Employment and Economic Development (DEED) to create an emergency loan program to help small business owners in Minnesota who need immediate assistance. It accesses $30 million from special revenue funds, according to DEED Commissioner Steve Grove, and will allow small businesses to apply for loans anywhere from $2,500 to $35,000. The loans will be 50 percent forgivable, and offered at a 0 percent interest rate.

Community Benefit Financial Company Emergency Fund

In response to COVID-19, the Otto Bremer Trust (OBT) has established a $50 million emergency fund through its Community Benefit Financial Company (CBFC) subsidiary to provide financial support to Minnesota, Wisconsin, North Dakota, and Montana nonprofits and other community organizations impacted by and responding to the pandemic.The fund will provide resources in the form of short-term loans, lines of credit, and emergency grants. The first step in the application process is to submit an initial inquiry.

MississippiAll

SBA Offers Disaster Assistance to Mississippi Small Businesses Economically Impacted by the Coronavirus

The U.S. Small Business Administration will offer low-interest federal disaster loans for working capital to Mississippi small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19), according to SBA Administrator Jovita Carranza. Applicants may apply online, receive additional disaster assistance information and download applications by Clicking Here.

Extensions for the COVID – 19 Pandemic

In consultation with Governor Tate Reeves and our legislative leadership, The Mississippi Department of Revenue has extended the deadline to file and pay the 2019 individual income tax and corporate income tax is extended until May 15, 2020.

MissouriAll

Small Business Disaster Loan Program

The Disaster Relief loan program, part of the MO Small Business Loan Program, intends to provide financial assistance and access to capital to businesses impacted by a natural disaster. This may include businesses sustaining direct property damage or local businesses sustaining interruptions to their operations and services because of temporary customer loss, temporary interference with access, or other impacts.

MontanaAll

Community Benefit Financial Company Emergency Fund

In response to COVID-19, the Otto Bremer Trust (OBT) has established a $50 million emergency fund through its Community Benefit Financial Company (CBFC) subsidiary to provide financial support to Minnesota, Wisconsin, North Dakota, and Montana nonprofits and other community organizations impacted by and responding to the pandemic.The fund will provide resources in the form of short-term loans, lines of credit, and emergency grants. The first step in the application process is to submit an initial inquiry.

NebraskaAll

CDBG Resources to Assist Businesses Impacted by COVID-19

The Nebraska Department of Economic Development (DED) has allocated Community Development Block Grant (CDBG) funds to assist qualified businesses that have been impacted by the COVID-19 outbreak. Businesses located in the city limits of Omaha, Lincoln, Bellevue and Grand Island are not eligible for this program. All counties are eligible if the business is located in their jurisdiction and not in the ineligible cities.

Gov. Ricketts Announces Eligibility of Nebraska Businesses to Apply for SBA Disaster Loans

Governor Pete Ricketts welcomed news that the Small Business Administration (SBA) has issued a statewide economic injury declaration for Nebraska. The declaration qualifies small businesses throughout the state to apply for SBA disaster assistance loans. SBA Economic Injury Disaster Loans offer low interest rates and long-term repayment options. Specific terms are determined on a case-by-case basis. Small businesses and private nonprofit organizations of any size can apply for an SBA Economic Injury Disaster Loan at disasterloan.sba.gov/ela

NevadaAll

Is Your Business Affected by Coronavirus? Apply for the WaFd Bank Small Business Lifeline.

Washington Federal Bank is offering 5-year business lines of credit with 90 days interest free to business affected by COVID-19. Small businesses who have seen a 10% or greater drop in revenues can apply to receive up to $200,000 on business lines of credit.

COVID-19 Small Business Assistance

Due to the coronavirus outbreak, the loans that are currently available to Nevada small businesses to offer immediate relief are the SBA Economic Injury Disaster Loans. These disaster loans are available to small business and private non-profit organizations with a low interest rate of 3.75 percent for small businesses and 2.75 percent for private non-profit organizations. For more information on SBA loan products, please visit: https://www.sba.gov/funding-programs/loans.

New HampshireAll

Governor Chris Sununu Issues Emergency Order 9, Establishes the COVID-19 Emergency Healthcare System Relief Fund

The governor of New Hampshire has declared an emergency $50 million fund that can be distributed through grants or loans for hospitals and "other health care providers."

New MexicoAll

Help for Businesses Negatively Impacted by the COVID-19 Health Emergency

The New Mexico Economic Development Department (NMEDD) has created a program to assist businesses seeking emergency loans or lines of credit to deal with negative economic impacts from COVID-19. NMEDD can guarantee a portion of a loan or line of credit up to 80% of principal or $50,000.

North CarolinaAll

Small Business Support for Covid-19

The US Small Business Administration is offering designated states, including North Carolina,  low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).  

The 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. The interest rate for non-profits is 2.75%. 

North DakotaAll

Community Benefit Financial Company Emergency Fund

In response to COVID-19, the Otto Bremer Trust (OBT) has established a $50 million emergency fund through its Community Benefit Financial Company (CBFC) subsidiary to provide financial support to Minnesota, Wisconsin, North Dakota, and Montana nonprofits and other community organizations impacted by and responding to the pandemic.The fund will provide resources in the form of short-term loans, lines of credit, and emergency grants. The first step in the application process is to submit an initial inquiry.

SBA Emergency Declaration

SBA has approved Disaster Declaration; North Dakota Disaster as a statewide declaration for small businesses affected by Coronavirus. These funds cannot be used for growth but assist in operations that would have been covered if not for the Coronavirus (e.g. payroll, fixed debt, accounts payable, etc). Loan types and amounts will be determined by information provided in the application. 

OklahomaAll

Federal Disaster Loans Available to Small Businesses Impacted by COVID-19

The U.S. Small Business Administration is offering low-interest federal disaster loans for working capital to Oklahoma small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). If approved, an SBA Economic Injury Disaster Loan assistance declaration will make disaster loans of up to $2 million available to small businesses and private, nonprofit organizations to help alleviate economic injury caused by COVID-19. 

Rhode IslandAll

Small Business Relief Tracker: Funding, Grants And Resources For Business Owners Grappling With Coronavirus

Gov. Gina Raimondo and other officials announced Tuesday a new fund to support local nonprofits serving vulnerable populations. The Rhode Island Foundation and United Way of Rhode Island said Tuesday they’ve raised $1.5 million for their COVID-19 Response Fund.

Governor Gina Raimondo partnered with Microsoft to provide Web-based Microsoft Office applications to Rhode Island small businesses for free for six months.

South CarolinaAiken

City of Aiken, South Carolina, creates $1 million loan program to provide local small businesses relief amid COVID-19 crisis

Community members and leaders of Aiken, South Carolina, have quickly responded to the impact of COVID-19 on small businesses creating a $1 million loan program to provide relief and get merchants through until federal aid makes its way to them.

The fund was approved as an emergency ordinance of Aiken City Council on March 23, 2020, and within seven days, the city been contacted by more than 200 local businesses, already providing one-on-one assistance and counseling sessions to 83. The loan program is available to fund loans of up to $10,000 for qualifying businesses.

South DakotaAll

How Small Businesses will Benefit from the Coronavirus Aid, Relief, and Economic Security (CARES) Act

The South Dakota Department of Commerce today announced that the Small Business Administration has declared an economic disaster in North Dakota in response to the recent novel coronavirus (COVID-19) health crisis.  The declaration makes available Economic Injury Disaster Loans (EIDL) for businesses suffering substantial economic injury due to the COVID-19 pandemic. Small business owners should visit  www.disasterloan.sba.gov  for information and the application.

TennesseeAll

SBA DISASTER LOANS

Disaster loan assistance through the U.S. Small Business Administration is available to small businesses and nonprofit organizations that have suffered economic injury as a result of COVID-19.

Small businesses and nonprofit organizations can apply for loans up to $2 million to help meet financial obligations and operating expenses. Applicants may apply online here

UtahAll / Salt Lake City

Salt Lake City’s Emergency Loan Program

The program is intended to help businesses keep their employees and stay afloat during a time of economic hardship. It is meant to bridge the gap for what may be a shortened financial hardship period.

Utah Offers Small Businesses Assistance Amid Coronavirus (COVID-19) Pandemic

 

The Utah Governor’s Office of Economic Development (GOED) announced today that businesses in all 29 Utah counties are now eligible to apply for low-interest loans through the Small Business Administration. Businesses are encouraged to apply for Small Business Loans at sba.gov/funding-programs/disaster-assistance

VermontAll

FINANCIAL ASSISTANCE

On March 27, 2020 the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law to assist business owners with immediate financial needs. This legislation once fully implemented, will provide many new resources available for small businesses, as well as certain non-profits and other employers. Small businesses and nonprofit organizations can apply for loans up to $2 million to help meet financial obligations and operating expenses. Applicants may apply online here

VirginiaVirginia – all / Bristol, Virginia

Truist – NCIFund COVID-19 Grants

Qualifying small businesses in Virginia will be able to apply online for grants ranging from $5,000 to $25,000 from Natural Capital Investment Fund (NCIFund). To qualify, businesses must employ fewer than 10 full-time employees and have annual gross revenue no more than $1 million from all business activities at all business locations.

Virginia 30 Day Fund

Virginia entrepreneur Pete Sndyer is offering emergency funding for Virginia-owned and operated businesses that employ three to 30 people and have been operating for at least a year. You are not required to pay back the funds unless you would like to later "pay it forward" for another Virginia-area business.

https://va30dayfund.com/about/

 

Program to offer loans to help downtown Bristol businesses survive pandemic

The Downtown Bristol Redevelopment Loan Fund and People Inc. are working with Believe in Bristol to offer a new emergency loan program, according to a written statement. Eligible downtown businesses can obtain up to $5,000 in the form of a 0% interest, no payments for 6 months term loan. Applications are available on the People Inc. website.

WisconsinAll

Small Business 20/20

The Wisconsin Economic Development Corp. launched Small Business 20/20—a $5 million grant program that will give companies with fewer than 20 employees up to $20,000.

Community Benefit Financial Company Emergency Fund

In response to COVID-19, the Otto Bremer Trust (OBT) has established a $50 million emergency fund through its Community Benefit Financial Company (CBFC) subsidiary to provide financial support to Minnesota, Wisconsin, North Dakota, and Montana nonprofits and other community organizations impacted by and responding to the pandemic. The fund will provide resources in the form of short-term loans, lines of credit, and emergency grants. The first step in the application process is to submit an initial inquiry.

WyomingAll / Jackson Hole

COVID-19 Resources for Small Businesses

Low-interest federal disaster loans are now being offered by the SBA to small businesses everywhere in Wyoming that are suffering substantial economic injury as a result of COVID-19. For assistance applying for these loans, fill out this short form below. You can also learn more about these loans by clicking here.

 

COMMUNITY EMERGENCY RESPONSE FUND

The Community Foundation of Jackson Hole has created a $300,000 fund to assist local nonprofits during the coronavirus outbreak. Affected organizations should complete this form to request funding

State-by-State Information for “Stay-at-Home” Orders 

Many states now have “stay-at-home” orders in place directing “non-essential” businesses to temporarily close and individuals to stay home in an attempt to help stop the spread of COVID-19.  The landscape of this effort is rapidly changing and this site is updated daily:

CNBC: Reopening America: A state-by-state breakdown of the status of coronavirus restrictions.


Miscellaneous

Description

World O Meters USA

Worldometers is a website that provides counters and real-time statistics for diverse topics. It is part of the Real-Time Statistics Project, which is managed by an international team of developers, researchers, and volunteers.

Facebook Small Business Grants Program

The social media company announced $100 million in grants for small businesses in a blog post on March 17. Details have yet to be announced regarding eligibility. There is a sign-up link in the post for updates.

Yelp pitches in with GoFundMe to help small businesses hurt by COVID-19

Yelp Inc. is joining forces with GoFundMe and giving a lending a hand to restaurants, pubs, and other small businesses that are raising COVID-19 relief money through GoFundMe Inc.'s crowdfunding site by adding a GoFundMe donation button to its app, to make it easier to support those businesses.

GoFundMe: Donate to small businesses in need during COVID-19 pandemic

During these uncertain times, one thing is certain. Small businesses are struggling. And it’s our turn to help those who have dedicated their livelihoods to serving us, like your favorite barista, nail technician, and yoga instructor.

GoFundMe is launching the Small Business Relief Initiative to support our friends and neighbors at local businesses facing financial loss from the COVID-19 pandemic. As part of the Initiative, the Small Business Relief Fund will be issuing $500 matching grants to qualifying businesses that raise at least $500 on GoFundMe.

GoFundMe has made supporting your local business easier than ever, thanks to partnerships with Yelp and Intuit Quickbooks. We’ve also created a centralized hub allowing you to search verified fundraisers by business name or location. This way, you can help your favorite businesses continue running during and after the coronavirus crisis.

Small business owners can learn more about the Small Business Relief Initiative and browse through the FAQs to determine whether their business qualifies for matching grants.

Here are 3 ways you can help:

Join GoFundMe, Yelp, Intuit Quickbooks, and more to provide much needed aid to even more businesses across the country. Every dollar counts!


GoFundMe.org is a registered 501(c)(3) charity and will issue micro-grants to coronavirus-related fundraisers that concentrate on helping small businesses. Each GoFundMe fundraiser is verified in order to assure that your donation is going towards the specific cause. Any funds which can not be granted out to fundraisers will be granted to other charitable organizations serving the same purposes stated here.
QuickBooks Helps Small Business Gain PPP Funding (4/23/20)

Watch the video: https://www.firstcoastnews.com/video/news/local/first-coast-living/support-for-small-businesses-looking-for-funding/77-f6f6aa7e-ce32-4ccb-bea0-f51d599f27e1

More details: https://quickbooks.com/PPP

Restaurants:

National Restaurant Association – Coronavirus Information and Resources

Retail:

National Retail Federation – Coronavirus Resources for Retailers

Event and Meeting Planners:

Coronavirus Resources from Meetings Mean Business
Resources for Events and Mass Gatherings – COVID 19 from the CDC

For Faith-Based Leaders:

Interim Guidance for Community and Faith Leaders from the CDC

Food Industry Professionals:

Coronavirus and Pandemic Preparedness for the Food Industry from the Food Industry Association

Healthcare Professionals:

Information for Healthcare Professionals from the CDC

Human Resources Professionals:

Health, Safety, Security Relative to COVID-19 from SHRM

Small Business Impacted by Exports or Trade Disruptions:

Working Capital Recommendations from the SBA

COVID-19 Additional Resources for Businesses/Employers/Employees Planning Tools:

COVID-19: Implications for Business from McKinsey & Company
Pandemic Preparedness in the Workplace and the Americans with Disabilities Act from the U.S. Equal Employment Opportunity Commission
Handshake-Free Zone Downloadable Sign

Signs.com is providing free printable templates for Coronavirus signage

https://www.signs.com/coronavirus-signage/

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