COVID-19 Relief Resources in USA for Small Businesses

If you are a small business owner like us, the current COVID-19 pandemic we are experiencing is probably not easy for you. The U.S. government has been releasing funds to help businesses and deal with the economic crisis. We have put together a list of relief assistances you can apply for depending on the state you live in. In addition, we have added a list of private business grants (GAFA). And tools that currently offer free offers during this period to help you work remotely.

Federal


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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%.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.sba.gov/disaster-assistance/coronavirus-covid-19

Small Business Administation

Automatic deferment of previous SBA loans

U.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.

How to Apply

TBA

https://www.sba.gov/about-sba/sba-newsroom/press-releases-media-advisories/carranza-implements-automatic-deferment-existing-sba-disaster-loans-through-end-2020

USDa, HHS, FMAP, Labor

Families 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.

How to Apply

TBA

https://www.congress.gov/bill/116th-congress/house-bill/6201

Secretary of Health and Human Services

Healthcare Waivers

The 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)

How to Apply

No specific application process.

https://www.whitehouse.gov/briefings-statements/remarks-president-trump-vice-president-pence-members-coronavirus-task-force-press-conference-3/

Department of Education

Federal Student Loan Relief

COVID-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.

How to Apply

Contact your loan servicer, or your school if you have a federal Perkins Loan.

https://studentaid.gov/announcements-events/coronavirus

State/Local


Alabama


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Governor 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.

How to Apply

Apply for assistance here: 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

Birmingham, AL Mayor's Office

COVID-19 Response Plan

March 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.

How to Apply

https://www.birminghamal.gov/2020/03/17/mayor-woodfins-15-million-covid-19-response-plan-approved-by-the-birmingham-city-council/

Alaska


AL Governors Office

Economic Relief Plan

Gov 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.

How to Apply

Arizona


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Arkansas


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

AR Economic Development Commission

Quick Action Loan Program

Allocation 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.

How to Apply

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

California


CA Employment Development Department (EDD)

Extended tax deadlines

Delays the deadline for state payroll tax deposits and filing by 60 days for individuals and businesses unable to file on time based on compliance with public health requirements related to COVID-19. Available upon request in the portal to EDD

Encouraging small businesses and individuals with hardship to reach out to EDD, which will provide additional relief on a case by case basis.

How to Apply

Employers should call the EDD Taxpayer Assistance Center at 888-745-3886.

https://www.edd.ca.gov/about_edd/coronavirus-2019.htm

CA Office of Small Business Advocate

SBA Funding & Loan Programs

IBank 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.

How to Apply

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/

City of Los Angeles

Small Business Emergency Microloan Program

The 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.

How to Apply

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

San Francisco Office of Economic and Workforce Development

COVID-19 Small Business Resiliency Fund

Because 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.

How to Apply

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

San Francisco Office of Economic and Workforce Development

Defer business taxes and licensing fees

Defers 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.

How to Apply

No special application needed.

https://sfmayor.org/article/san-francisco-announces-measures-support-small-businesses-response-covid-19

San Francisco Public Utilities Commission

Utilities relief

San Francisco Public Utilities Commission (SFPUC) will no longer shut off water or power for delinquent payments, and that both the SFPUC and the San Francisco Municipal Transportation Agency (SFMTA) will no longer add penalties on to delinquent payments during the City’s Local Emergency response to coronavirus. These actions are part of the City’s response to reduce financial impacts on individuals during the COVID-19 pandemic.

How to Apply

No special application needed.

https://sfmayor.org/article/san-francisco-suspend-power-and-water-shutoffs-waive-penalties-and-interest-delinquent

City of Oakland

Business Tax Relief; Paid Sick Leave

In 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.

How to Apply

See above

https://www.oaklandca.gov/news/2020/city-of-oakland-outlines-small-business-workforce-support-to-mitigate-impacts-of-covid-19

Executive Department, State of California

Executive Order

Governor Newsom is relaxing the state WARN Act requirements for businesses affected by COVID-19.

How to Apply

No special application needed.

https://www.gov.ca.gov/wp-content/uploads/2020/03/3.17.20-EO-motor.pdf

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Colorado


Denver Department of Housing Stability

The 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)

How to Apply

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

Denver Mayor's Office

Denver SMB Relief Fund

Denver 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.

How To Apply

https://kdvr.com/news/mayor-announces-4-million-relief-fund-for-denver-businesses-hurt-by-coronavirus/

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Connecticut


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

CT 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)

How to Apply

Apply for assistance here: 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

Department of Revenue Services

Tax Assistance

The Department of Revenue Services has extended deadlines for filing and payments associated with certain state business tax returns. Effective immediately, the filing deadlines for certain annual tax returns due on or after March 15, 2020, and before June 1, 2020, are extended by at least 30 days. In addition, the payments associated with these returns are also extended to the corresponding due date in June. (3/16)

How to Apply

No special application needed. E-mail DRS@po.state.ct.us or call 860-297-5962 regarding specific situations, if needed.

https://portal.ct.gov/DRS/News---Press-Releases/2020/2020-Press-Releases/Effective-Immediately-DRS-Extends-Filing-Deadline-for-Certain-Annual-State-Business-Tax-Returns

Delaware


Office of the Govenor

Supporting small businesses

Launched 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.

How to Apply

https://news.delaware.gov/2020/03/18/governor-carney-announces-help-program-to-support-delaware-small-businesses/

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Florida


Department of Economic Opportunity

Emergency Bridge Loan Program

Activated 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.

How to Apply

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/

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Georgia


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Georgia 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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://gov.georgia.gov/press-releases/2020-03-19/georgia-receives-sba-statewide-disaster-declaration-applications-small

Hawaii


Small Business Administration (SBA)

SBA Economic Injury Disaster Loan Assistance

Hawai‘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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Idaho


U.S. Small Business Administration (SBA)

SBA disaster loans

Following 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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://gov.idaho.gov/pressrelease/idaho-small-businesses-impacted-by-coronavirus-can-now-access-federal-disaster-loans/

Illinois


Commerce Commission

Assistance with utilities and food

Governor is contacting the leaders of Illinois' utility companies and urging them to maintain services for all Illinoisans, regardless of their ability to pay, during this public health crisis. Pritzker administration is working directly with the eight major food banks across Illinois to expand services. The administration is reaching out to food manufacturers to ensure food banks are prioritized and can provide our vulnerable residents with the food they need

How to Apply

https://www2.illinois.gov/Pages/news-item.aspx?ReleaseID=21247

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Indiana


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Indiana 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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://calendar.in.gov/site/gov/event/gov-holcomb-announces-small-business-assistance-in-response-to-covid-19/

Indiana Small Business Development Center

SBA Consulting and Training related to COVID 19

Free 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.

How to Apply

https://calendar.in.gov/site/gov/event/gov-holcomb-announces-small-business-assistance-in-response-to-covid-19/

Iowa


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Kansas


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Governor 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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Kentucky


State of Kentucky

Paid Sick Leave; health insurance waivers

Urged more businesses to allow employees to tele-commute and to provide paid sick leave.

The Governor issued an executive order to waive copays, deductibles, cost-sharing and diagnostic testing fees for private insurance and state employees. The Governor is also telling providers to expand their networks to patients that may go outside their normal providers. (3/11)

How to Apply

No special application needed.

https://kentucky.gov/Pages/Activity-stream.aspx?n=GovernorBeshear&prId=85

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.ksbdc.org/coronavirus

Louisiana


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

New Orleans Business Alliance

Gig Economy Relief Fund

NOLABA 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.

How to Apply

Click here for eligibility requirements and an application: https://www.nolaba.org/relief-fund/

https://www.nolaba.org/relief-fund/

Greater New Orleans Foundation

Disaster Response and Restoration Fund

Due 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.

How to Apply

Maine


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

The Finance Authority of Maine (FAME) & SBA

Special Loans and Loan Insurance

The 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.

How to Apply

Maryland


Comptroller of Maryland

Extended tax deadlines

June 1 extension due date for business returns with due dates during the months of March, April and May 2020 for businesses filing sales and use tax, withholding tax and admissions & amusement tax, as well as alcohol, tobacco and motor fuel excise taxes, tire recycling fee and bay restoration fee returns.

How to Apply

No special application needed.

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Currently, 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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://businessexpress.maryland.gov/coronavirus

Massachusetts


Baker-Polito Administration

Small Business Recovery Loan Fund

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.

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

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Michigan


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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). Governor Whitmer announces SBA loans now available for small businesses impacted by COVID-19

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.michigan.gov/whitmer/0,9309,7-387-90499_90640-522317--,00.html

Minnesota


No state-level funds provided at this moment.

Mississippi


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Missouri


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The U.S. Small Business Administration approved Missouri’s request for assistance through the federal agency’s disaster loan program. This move makes low interest disaster loans available to small businesses and private non-profits severely impacted by the Coronavirus (COVID-19).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Montana


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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). Montana businesses are now eligible to apply for up to $2 million in 30-year loans with an interest rate of 3.75 percent.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Nebraska


City of Omaha

Omaha COVID-19 Response Fund

Fund to provide flexible resources to organizations in the metro area working with communities who are disproportionately impacted by coronavirus and the economic consequences of this outbreak

How to Apply

If immediate assistance is needed, contact the United Way: https://www.unitedwaymidlands.org/2-1-1/

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://governor.nebraska.gov/press/gov-ricketts-announces-eligibility-nebraska-businesses-apply-sba-disaster-loans

Nevada


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Small businesses, private non-profit organizations, small agricultural cooperatives, and small aquaculture enterprises that have been financially impacted may qualify for Economic Injury Disaster Loans of up to $2 million to help meet financial obligations and operating expenses.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.fox5vegas.com/coronavirus/nevada-is-one-of-first-states-to-receive-approval-for/article_058ca712-6964-11ea-a0e2-db985b5d6135.html

New Hampshire


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Governor Chris Sununu announced that the U.S. Small Business Administration (SBA) approved New Hampshire’s application for SBA Economic Injury Disaster Loans, which will help small businesses overcome loss of revenue due to the COVID-19 outbreak. According to the SBA, the loans offer up to $2 million in assistance for small businesses and may be used to pay fixed debts, payroll, accounts payable and other bills that can't be paid because of the disaster's impact.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.governor.nh.gov/news-media/press-2020/20200318-covid-10-sba-declaration.htm

New Jersey


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

New Jersey’s approval means businesses can apply for federal disaster loans of up to $2 million, with interest rates capped at 3.5 percent, for the inevitable economic injury they will suffer as a result of the COVID-19 outbreak.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Economic Development Agency

Emergency Business Grants

In response to the ongoing COVID-19 pandemic, Governor Phil Murphy today signed legislation (A3845) that authorizes the New Jersey Economic Development Authority (NJEDA) to make grants during a state of emergency or a public health emergency declared by the Governor. A3845 gives the EDA authority to provide grants during periods of emergency and for the duration of economic disruptions due to an emergency. The EDA will be able to offer grants for the planning, designing, acquiring, constructing, reconstructing, improving, equipping, and furnishing of a project, including grants for working capital and meeting payroll requirements. The legislation further allows the chief executive officer of the EDA to extend business document submission deadlines during a period of emergency.

How to Apply

https://nj.gov/governor/news/news/562020/approved/20200320f.shtml

New Mexico


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

In New Mexico, "the SBA is offering low-interest federal disaster loans up to $2M for working capital to small businesses and non-profit organizations suffering substantial economic injury as a result of COVID-19."

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/


Economic Development Department

COVID-19 Business Loan Guarantee Program

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. Loan proceeds are flexible and can be used for (and not limited to) the following: working capital, inventory and payroll.

How to Apply

New York


New York City

NYC Business Solutions Center

"Mayor Bill de Blasio announced on March 8 that the City will provide relief for small businesses across the City seeing a reduction in revenue because of COVID-19. Businesses with fewer than 100 employees who have seen sales decreases of 25% or more will be eligible for zero interest loans of up to $75,000 to help mitigate losses in profit.

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. Eligible owners who would like to learn more about these programs should fill out our interest form."

How to Apply

Click here to fill out loan assistance interest form: https://www.surveymonkey.com/r/N336ZYB

Click here for information about the employee retention grant (including eligibility requirements), and to apply: https://www1.nyc.gov/nycbusiness/article/nyc-employee-retention-grant-program

https://www1.nyc.gov/site/sbs/businesses/covid19-business-outreach.page

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

North Carolina


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The U.S. Small Business Administration granted Governor Roy Cooper’s request for a disaster declaration for small businesses that are suffering economic losses due to the new Coronavirus, COVID-19.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.ncdhhs.gov/news/press-releases/us-small-business-administration-grants-governor-cooper%E2%80%99s-request-disaster

North Dakota


North Dakota Department of Commerce - Economic Development and Finance

Development loan relief and additional resources for small businesses

The North Dakota Development Board voted March 19, 2020, to suspend all payments, both principal and interest for all outstanding NDDF loans for 30 days, effective today.

https://www.business.nd.gov/resources/COVID19BusinessandEmployerResources/FinancialResources/

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The North Dakota Department of Commerce today announced that the Small Business Administration (SBA) 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.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.nd.gov/news/small-business-administration-declares-economic-disaster-funds-north-dakota

Rural Growth Incentive Program Emergency Loans

Loans

Under this program, the Department may declare an emergency and make loans to “Essential Service Companies.” These include gas stations; pharmacies; grocers and, in some cases, restaurants.
Communities with less than 2,500 in population are eligible
The request to North Dakota Development Fund is a dollar-for-dollar match by the city
A community can apply for $25,000 to $75,000 in matching funding
Loan terms are based on individual needs

https://ndresponse.gov/covid-19-resources/covid-19-business-and-employer-resources/covid-19-financial-resources/state

Childcare Loan Program

Loans

Loans to certified daycares to ensure continuity.
Up to $100,000
2.5% interest rate

Ohio


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Oklahoma


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Oregon


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The U.S. Small Business Administration has approved Oregon's governor's request for a disaster declaration, unlocking low-interest disaster loans for small businesses in those states. Congress recently approved up to $7 billion in SBA disaster loans for businesses impacted by COVID-19.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Business Oregon

Economic planning resources and a long list of potential funding sources available to Oregon small businesses.

http://www.oregon4biz.com/Coronavirus-Information/

Beaverton, OR

Emergency Relief Fund for Small Businesses

Emergency assistance for Beaverton businesses directly impacted by a government-ordered, mandatory changes in service guidelines to assist with rental or mortgage payment during the COVID-19 pandemic.

https://www.beavertonoregon.gov/EmergencyBizAssistance

Portland, OR

Jade District-Old Town COVID-19 Small Business Response Fund

In Portland, small businesses in the Jade District and Old Town Chinatown neighborhoods 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.

How to Apply

Portland, OR

Prosper Portland

Prosper Portland is prepared to offer a three-month deferral of loan payments to its existing borrowers who request it and whose business have experienced a decline in revenue of 10% or more. Prosper is prioritizng public-facing businesses with annual revenues under $1 million. Contact Prosper about your existing loan by emailing lending@prosperportland.us. Prosper is also offering rent relief to its commercial tenants. For businesses that have experienced a decline in revenue of 10% or more, Prosper is prepared to provide a three-month deferral of rent payments for April, May and June 2020.

How to Apply

Hillsboro, OR

Emergency business support grants and emergency loans for entrepreneurs and SMBs

Starting Monday, March 23, Hillsboro business owners who have been financially impacted by the COVID-19 health and economic crisis will be able to apply for assistance from the City of Hillsboro using the city’s website. The new resources include:
$500,000 in Emergency Business Support Grants — The city will provide grants of up to $5,000 to small businesses and entrepreneurs affected by the coronavirus and containment measures. To qualify, businesses must have a facility located in Hillsboro and a current Hillsboro busines license. Priority will be given to businesses with 10 employees or fewer; businesses that are a food and drink establishment, education or daycare facility, or businesses that rely on larger gatherings of people; and businesses that are open and operational, or are closed due to forced closure.
$500,000 in Emergency Loans for Small- and Medium-Sized Businesses — The city is working to set up a low-interest loan program for small- and medium-sized businesses in need of financial support because of COVID-19 containment efforts and government directives for closure or operational curtailment. Details are still being finalized.

How to Apply

https://www.hillsboro-oregon.gov/Home/Components/News/News/10503/44

Pennsylvania


City of Philadelphia and PIDC

Resources for Small Business owners

We recognize the impact these restrictions will have on businesses. The following organizations are providing assistance:

PECO is suspending fees for delays in bills and service shut offs for the next three months.
Philadelphia Gas Works and Philadelphia Water Department will also suspend service shut offs.
KIVA has increased size of no interest loans available.
Impact Loan Fund is preparing to offer a payment moratorium to businesses in need.
Philly VIP will continue to remotely match businesses with Pro Bono legal services.
The Business Center is offering its courses online, and encourages businesses in need of assistance in moving services online to contact them.
The Small Business Administration’s (SBA) 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. What to expect next
The City and the Philadelphia Industrial Development Corporation (PIDC) are developing a program to support small businesses in Philadelphia. It will include help with maintaining payroll obligations and preserving jobs impacted by the spread of COVID-19.

The program will include a mix of new grants and zero-interest loans for businesses that make under $5 million in annual revenue. PIDC will continue to offer its existing lending programs for small and midsize businesses on flexible terms to provide working capital, fund contract receivables, refinance high-interest debt, and meet other needs.

https://www.phila.gov/2020-03-17-non-essential-businesses-to-close-for-at-least-two-weeks/

Pennsylvania Department of Community and Economic Development

Resources for small business loans

Staff at the Pennsylvania Department of Community and Economic Development (DCED), as well as local partner networks, are available to help businesses through this challenging time.

Pennsylvania Industrial Development Authority (PIDA)

Small Business First Fund

The Pennsylvania Industrial Development Authority (PIDA) will administer the Small Business First Fund with $61 million available initially for business assistance, according to a news release from state Sen. Lisa Boscola.

Funds through this emergency response fund will be used for working capital loans of up to $100,000 directly to small businesses and hopefully nonprofits (those that employ 100 or fewer persons), Boscola said. The interest rate is currently 3%, however the PIDA board can adjust the interest rates to as low as 0%.

https://www.lehighvalleylive.com/coronavirus/2020/03/pa-small-businesses-hit-by-coronavirus-getting-61m-in-emergency-loans.html

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Disaster declarations by the U.S. Small Business Administration (SBA) have made low-interest loans available to eligible small businesses and nonprofits struggling in the face of the coronavirus.

Pennsylvania Gov. Tom Wolf announced Thursday the assistance is available across all 67 counties

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Rhode Island


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The U.S. Small Business Administration announced it is offering low-interest federal disaster loans for working capital to Rhode Island small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

South Carolina


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Columbia SC

Forgivable small business loans

Columbia Mayor Steve Benjamin on March 23 outlined a $6 million COVID-19 emergency economic stimulus package. It includes $500,000 for zero-interest forgivable loans for small businesses with fewer than 100 employees and allows bars and restaurants to delay and avoid penalties for hospitality tax payments through June.

https://mailchi.mp/2d58f6e485e0/city-council-covid-19-precautionary-measures-4992392?e=00879a07c6

South Dakota


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://news.sd.gov/newsitem.aspx?id=26516

Tennessee


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.sba.gov/offices/district/tn/nashville

Department of Human Services

Childcare Center Relief Fund

Licensed day cares impacted by the coronavirus outbreak can now file an application for grant money through the Tennessee Department of Human Services. Last week, Governor Bill Lee announced the state would make $10 million available for child care agencies negatively impacted by recent closures. “The COVID-19 emergency and recent tornado disaster have combined to create substantial challenges for our child care partners,” said TDHS Commissioner Danielle W. Barnes. “These grants will provide the assistance agencies need to sustain critical staff and operations resources as they respond to and recover from these events. Parents, businesses, and children all depend on quality early childhood education that’s safe and healthy.”

https://www.tn.gov/content/dam/tn/human-services/documents/Guidance-FAQs-3.17.20.pdf (https://www.childcaretennessee.com/utility-pages/log-in/?redirectUrl=/other-resources/new-noteworthy/

Texas


U.S. Small Business Administration (SBA)

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Governor Greg Abbott today announced that the U.S. Small Business Administration (SBA) has included the entire state of Texas in its Economic Injury Disaster Declaration and granted access to its Economic Injury Disaster Loan (EIDL) program, which will provide long-term, low-interest loans to qualifying businesses across the state.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://gov.texas.gov/news/post/governor-abbott-announces-approval-of-emergency-designation-for-small-business-disaster-loans-from-u.s-small-business-administration

Utah


U.S. Small Business Administration (SBA)

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

State of Utah

Liquor Buyback

Facilitate returns of product to the Department of Alcoholic Beverage Control by licensees impacted by recent health orders.

Vermont


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Virginia


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

Virginia has officially received an Economic Injury Disaster Loan declaration from the U.S. Small Business Administration (SBA). Small businesses and non-profits located throughout the state can now apply for a loan of up to $2 million from the SBA to pay fixed debts, payroll, accounts payable, and other expenses.

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

https://www.virginia.gov/coronavirus-updates/

Washington


State Department of Revenue (DOR)

COVID-19 resource list for impacted Washington businesses and workers

The Washington State Department of Revenue (DOR) can work with impacted companies that request an extension on tax filing. The law grants the Department authority to extend the due date for excise tax returns. DOR may also waive penalties under limited circumstances if a business is late in paying its tax obligation. The law also grants the Department authority to provide a one-time, 24 month, late payment penalty waiver if the business has not owed a late payment penalty during the previous 24 months. DOR may also work with businesses that cannot file or pay their taxes on time if they are impacted by a declared state of emergency. When a state of emergency or disaster has been officially declared, affected businesses that owe Washington taxes may qualify for:

- A filing extension for excise tax returns (without the limitations described above); and/or
- A late payment penalty waiver request (without the limitations described above)

How to Apply

Contact DOR at (360) 705-6705 for a tax filing extension, or to waive late filing penalties.

https://www.governor.wa.gov/issues/issues/covid-19-resources/covid-19-resources-businesses-and-workers

Seattle

Creation of Small Business Fund

Seattle Mayor Jenny A. Durkan announced a $1.5 million City of Seattle fund to invest directly in small businesses financially impacted by COVID-19. The fund is an expansion of the Office of Economic Development’s (OED) Small Business Stabilization Fund, which the Mayor created to support small businesses whose operations were jeopardized by a destabilizing event. Eligible small businesses will receive a grant of up to $10,000 to mitigate revenue lost by COVID-19. Mayor Durkan formally signed an Executive Order to provide immediate relief for small businesses impacted by COVID-19. Actions include the ability to defer B&O taxes and utility payments, direct technical assistance with SBA loans, and the creation of the Small Business Recovery Task Force to advise on long-term policy recommendations.(3/12)

How to Apply

Small businesses must have five employees or less, the owner must be at or below 80 percent of the Area Median Income, the business must have a physical establishment, and the business must be financially impacted by COVID-19. Click here to apply: http://www.seattle.gov/office-of-economic-development/small-business/small-business-programs-/stabilization-fund-

Seattle

Executive Order providing SMB relief

The City of Seattle has also expanded its Small Business Stabilization Fund to help supplement the SBA loan program. Eligible small businesses will receive a grant of up to $10,000 to mitigate revenue lost by COVID-19. Additionally:

- Small businesses with less than $5 million in receipts can defer tax payments until October 2020
- The Small Business Recovery Task Force has been created (3/12)

How To Apply

https://durkan.seattle.gov/wp-content/uploads/sites/9/2020/03/Executive-Order-2020-03-COVID-19-Small-Business-Relief.pdf

Seattle

Arts Recovery Package

The City will invest $100,000 to provide immediate relief for artists and creative workers impacted by the COVID-19 pandemic. It will include rapid response grants supporting critical needs of artists whose livelihoods have been impacted by the pandemic.

U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

West Virginia


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Wisconsin


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Wyoming


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Washington D.C.


U.S. Small Business Administration (SBA)

SBA Disaster Assistance

The 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).

How to Apply

Apply for assistance here: https://disasterloan.sba.gov/ela/

Council of D.C.

Unemployment benefits, public benefits, eviction relief, SMB grants

The bill passed at the most recent meeting has, among its primary measures, the following: extends unemployment compensation to those unemployed due to COVID, prohibits evictions of residential and commercial tenants as well as late fees, prohibits utility shut-offs for non-payment, extends public benefit programs such as the Healthcare Alliance, TANF, and SNAP, creates a small business grant program to assist nonprofit organizations and small contractors who do not qualify for unemployment insurance

Office of the Deputy Mayor for Planning and Economic Development

COVID-19 Recovery Effort and the DC Small Business Recovery Microgrant Program

Mayor Bowser is investing $25 million in the COVID-19 Recovery Effort and the DC Small Business Recovery Microgrant Program, which will be housed in the Office of the Deputy Mayor for Planning and Economic Development. Pursuant to the “COVID-19 Response Emergency Amendment Act of 2020” effective March 17, 2020 (D.C. Act 23-247), the DC Small Business Recovery Microgrant Program will offer grants to small, local businesses, individual contractors, self-employed individuals, and nonprofits to meet their short-term financial needs. The grant can cover employee wages and benefits (including fringe benefits associated with employment, such as health insurance), accounts payable, fixed costs, inventory, rent, and utilities.

https://coronavirus.dc.gov/dc-small-business-recovery-grants

Private Companies

CompanyResourceDetailsHow to applyURL
AmazonNeighborhood Small Business Relief Fund"Today, we’re creating a $5 million Neighborhood Small Business Relief Fund to provide cash grants to local small businesses that need assistance during this difficult time. The fund is intended for small businesses with fewer than 50 employees or less than $7 million in annual revenue, physical presence within a few blocks of our Regrade and South Lake Union office buildings, that are open to the general public, and that are reliant on foot-traffic for customers. Among the information that will be requested as part of the grant process will be how much revenue each applicant anticipates it'll lose in March with some associated back-up information."Click here to apply for grant funding consideration: https://amazonsmallbusinessrelief.force.com/SelfRegisterPagehttps://blog.aboutamazon.com/job-creation-and-investment/helping-local-small-businesses-through-the-impacts-of-covid-19
AmazonAmazon Relief Fund"We are establishing the Amazon Relief Fund with a $25 million initial contribution focused on supporting our independent delivery service partners and their drivers, Amazon Flex participants, and seasonal employees under financial distress during this challenging time. We will be offering all of these groups the ability to apply for grants approximately equal to up to two-weeks of pay if diagnosed with COVID-19 or placed into quarantine by the government or Amazon."No info yet--Amazon says it will be publishing a website soon with details on how employees and contractors can apply for grants.https://blog.aboutamazon.com/working-at-amazon/covid-19-update-more-ways-amazon-is-supporting-employees-and-contractors
FacebookBusiness Resource Hub"At Facebook, we’re working to keep people safe and informed about the recent outbreak of COVID-19. We know that as members of the communities you serve, businesses like yours may also be experiencing unexpected challenges, and we’re committed to providing as much support as possible."Click here to get updates on how to apply for a Facebook small business grant: https://www.facebook.com/business/boost/granthttps://www.facebook.com/business/boost/resource?ref=alias
FacebookLocal Food Bank Fund"Facebook’s Sheryl Sandberg and other Silicon Valley figures have launched a $5.5 million fund, COVID-19 Emergency Fund for Feeding Families, which will operate through Second Harvest of Silicon Valley."Grant will support Second Harvest of Silicon Valley; click here for more info on how to get food: https://www.shfb.org/get-food/https://www.mercurynews.com/2020/03/13/sheryl-sandberg-silicon-valley-execs-launch-5-5-million-covid-19-food-bank-fund/
GoogleFree Access to G Suite and G Suite for Education"Google has rolled out free access to its advanced Hangouts Meet video-conferencing capabilities to all G Suite and G Suite for Education customers globally until July 1, 2020."No special application process; click here for access details: https://cloud.google.com/blog/products/g-suite/helping-businesses-and-schools-stay-connected-in-response-to-coronavirushttps://cloud.google.com/blog/products/g-suite/helping-businesses-and-schools-stay-connected-in-response-to-coronavirus
GoogleCOVID-19 Solidarity Response Fund"The coronavirus (COVID-19) pandemic has already impacted communities around the world. For every $1 you donate by April 30, 2020, Google.org will donate $2, up to $5M, to support global preparedness and response in communities affected by the spread of COVID-19. 100% of your donation goes to the United Nations Foundation in support of WHO’s global COVID-19 Solidarity Response Fund."Click here to donate: https://donate.google.com/give/covid-19https://donate.google.com/give/covid-19
Mark CubanQ&A for Small Business Owners"So I’m going to do something a little different here. If you have a small business that you run and or own and you have questions about what to do now, I’ll try to answer some questions. Won’t be able to get them all. But I’ll try over the course of today to respond to as many as I can. My preference is going to be helping small biz trying to avoid layoffs and hourly reductions"Click here to submit a question to Mark Cuban: https://www.linkedin.com/posts/mark-cuban-06a0755b_smallbusiness-smallbusinesssupport-smallbiz-activity-6644629791930662912-y5k9/https://www.linkedin.com/posts/mark-cuban-06a0755b_smallbusiness-smallbusinesssupport-smallbiz-activity-6644629791930662912-y5k9/
USBG National Charity FoundationBartender Emergency Assistance Program"The USBG National Charity Foundation has created a bartender emergency assistance program to help service industry personnel who may be experiencing financial hardship during the coronavirus outbreak. Eligible applicants can receive a grant to help with bills and other costs due to sudden loss or decrease of income. In order to qualify, an applicant must be a bartender or the spouse or child of a bartender."Click here to apply: https://www.usbgfoundation.org/beap?fbclid=IwAR3xNb1xWcXHKCYlvBttRxsXjLCktqjEE5E4wYsoswqx2GVqxEXiYYkg1q8https://www.usbgfoundation.org/beap
Restaurant Workers Community FoundationRestaurant Workers' COVID19 Fund"Restaurant Workers Community Foundation was founded in 2018 to advocate for gender equality, racial justice, fair wages, and healthy work environments in the restaurant industry. In the wake of the coronavirus / COVID-19 pandemic, RWCF’s full focus is on supporting workers, small business owners, and an industry in crisis."Click here for info on various relief funds for restaurant workers, and to apply for assistance: https://www.restaurantworkerscf.org/news/2020/3/15/resources-for-restaurants-and-workers-coping-with-the-covid-19-emergencyhttps://www.restaurantworkerscf.org/news/2020/3/15/resources-for-restaurants-and-workers-coping-with-the-covid-19-emergency
UberEatsWaiver of delivery fees for independent restaurantsUberEats "will waive delivery fees for all orders from independently owned restaurants on the app as the COVID-19 pandemic continues to spread and causes cities to shutter all non-essential businesses."No application needed.https://techcrunch.com/2020/03/16/uber-eats-waives-delivery-fees-for-independent-restaurants-during-covid-19-pandemic/
CVS PharmacyWaiver of home delivery fees for prescription medications"Beginning immediately, CVS Pharmacy will waive charges for home delivery of prescription medications. With the Centers for Disease Control and Prevention encouraging people at higher risk for COVID-19 complications to stay at home as much as possible, this is a convenient option to avoid coming to the pharmacy for refills or new prescriptions."No application needed.https://www.cvshealth.com/newsroom/press-releases/cvs-health-announces-additional-covid-19-resources-focused-patient-access
California Community FoundationCOVID-19 LA County Response FundCalifornia Community Foundation (CCF) launched the COVID-19 LA County Response Fund to address the immediate and emerging needs of our region’s most vulnerable residents—from mitigation to eventual recovery. This fund will support community needs identified by our partners in health, housing, education and immigration, and will aid impacted individuals through our Pass it Along Fund.Fund does not make grants directly to individuals. Contact CCF's partner organizations for more information: https://www.calfund.org/wp-content/uploads/EXTERNAL_-2018-PIA-Preferred-Partner-List.pdfhttps://www.calfund.org/covid-19/
ZapierZapier Small Business Assistance ProgramZapier is creating a $1 million assistance program for their most impacted small business customers. Zapier's support team will set up qualified customers with a free 3-month credit for a Starter plan.Fill out this form: https://zapier.wufoo.com/forms/zapier-small-business-assistance-program/https://zapier.com/blog/covid-19-assistance-program/
LinkedInFree Learning Courses relevant to businessLinkedIn is opening up 16 of its learning courses for free. Courses that provide tips on how to stay productive, build relationships when you’re not face-to-face, use virtual meeting tools and balance family and work dynamics in a healthy way.https://www.linkedin.com/learning/paths/remote-working-setting-yourself-and-your-teams-up-for-success
FCC and Comcast, Charter, Verizon, & OthersInternet Access PledgeThe FCC has issued a pledge on Friday for internet and telecommunications companies to "keep Americans connected" during the disruptions caused by the coronavirus pandemic. The pledge means that for the next 60 days, a participating internet service provider should:

Not terminate service to any residential or small business customers because of their inability to pay their bills due to the disruptions caused by the coronavirus pandemic; Waive any late fees that any residential or small business customers incur because of their economic circumstances related to the coronavirus pandemic; and Open its Wi-Fi hotspots to any American who needs them.
https://www.businessinsider.com/coronavirus-internet-phone-fcc-pledge-keep-america-connected-online-isp-2020-3?utm_source=feedburner&amp%3Butm_medium=referral&utm_medium=feed&utm_campaign=Feed%3A+businessinsider+%28Business+Insider%29
SalesforceCoronavirus FundSalesforce, the city’s largest private employer, has committed $1.5 million to the effort, which is called the Give2SF Fund.https://www.sfchronicle.com/business/article/SF-starts-coronavirus-aid-fund-with-1-5-million-15130406.php
GrubhubSuspension of Commission PaymentsGrubhub has suspended commission payments from independent restaurants during the crisis.https://gizmodo.com/grubhub-suspends-all-charges-to-independent-restaurants-1842316287
MicrosoftFree Office 365 ToolsFor businesses, municipalities, K-12 and other entities, Microsoft is providing six months of Office 365 tools for free to enable remote collaboration, file sharing and video conferencing. They’re also offering free assistance to set up these tools.http://www.doit.ri.gov/covid-19/
Bank of AmericaSupport for Consumer and Small Business Clients Experiencing Hardship From the Impact of the CoronavirusConsumer and Small Business deposit accounts: clients can request refunds including overdraft fees, non-sufficient funds fees, and monthly maintenance fees.
Consumer and Small Business credit cards: clients can request to defer payments, refunds on late fees.
Small business loans: clients can request to defer payments, refunds on late fees.
Auto loans: clients can request to defer payments, with payments added to the end of the loan.
Mortgages and home equity: clients can request to defer payments, with payments added to the end of the loan.
In all of these instances, there will be no negative credit bureau reporting for up-to-date clients.
We have also paused foreclosure sales, evictions and repossessions.
https://newsroom.bankofamerica.com/press-releases/consumer-banking/bank-america-announces-additional-support-consumer-and-small
Coastal Community Foundation of South CarolinaFund for individuals and businesses impacted by COVID-19This Fund will provide flexible resources to organizations in our region working with priority groups, including senior citizens, children, health-compromised, and workers in the hospitality and tourism industry in our nine-county service area of Beaufort, Berkeley, Charleston, Colleton, Dorchester, Georgetown, Hampton and Horry counties.https://www.grantinterface.com/Home/Logon?urlkey=ccfsc
Morgan StanleyRelief FundingMorgan Stanley announced a $10 million cash commitment in aid to support Coronavirus relief efforts. Funding will support critical frontline medical responders globally as well as community providers serving those economically impacted by the crisis. The first three grants of $2 million each were announced for Feeding America, the CDC Foundation, and the World Health Organization’s Covid-19 Solidarity Health Fund.https://www.morganstanley.com/press-releases/morgan-stanley-announces--10-million-cash-commitment-to-support-?cid=SM_CORP__LINKEDIN_morgan-stanley_20200319&linkId=84640113
CitiRelief FundingThe Citi Foundation announced today that it will provide $15 million to support COVID-19 related relief activities globally. It will be allocated as follows:
- $5 million will be directed to the COVID-19 Solidarity Response Fund.
- $5 million will be directed to No Kid Hungry to support emergency Food Distribution Programs in the U.S.
- $5 million will be directed to additional international, country-specific efforts in places that are severely impacted. In the coming weeks, the Citi Foundation will also be working to identify additional opportunities to support longer-term recovery efforts.
https://www.businesswire.com/news/home/20200319005547/en/Citi-Foundation-Provide-15-Million-Support-COVID-19
National Domestic Workers AllianceEmergency Relief FundingNational Domestic Workers Alliance is giving financial support to in-home care workers, nannies, and house cleaners who have to stay home and not work in order to reduce the spread of the virus.
One Fair Wage Emergency FundEmergency Relief FundingOne Fair Wage Emergency Fund gives funds directly to service workers affected by the pandemic, including restaurant, salon, airport, rideshare, and gig economy workers who find themselves out of work or without customers.
The ChronicleEmergency Relief FundingThe Chronicle Season of Sharing Fund expedited $2 million in emergency funding to all nine Bay Area counties to provide a rapid response to our neighbors affected by the pandemic.https://seasonofsharing.org/donate-now/?utm_source=marketing&utm_medium=email&utm_content=headlines&utm_campaign=seasonofsharing_2020
CiscoWebex for Free (for video conference calls for remote workers)Webex is here to help: Work remotely or from home. Stay connected. Webex is offering our users unlimited usage on the most secure collaboration platform globally to help them get through this difficult time.https://www.webex.com/go-covid19.html
Capital OnePayment assistance and deferred loan assistance.Customers facing financial difficulties due to the coronavirus are urged to contact the bank directly through one of its many customer support lines. At its website, Capital One encourages customers who may be impacted or need assistance to reach out so that the bank can help find a solution.

Capital One tells Forbes that all customers will be eligible for assistance, of which will vary on the type of product they have and their individual needs. Examples of assistance include:

Minimum payment assistance
Deferred loan assistance
Fee suppression
https://www.capitalone.com/coronavirus/
Marcus by GoldmanLoan deferment; waiver of fees to access funds in high-yield CDsAs a Marcus loans customer, if you have been impacted by COVID-19, we can offer help via our customer assistance program, which allows you to postpone making a payment on your loan for one month. There will be no interest charged during the deferral and your loan term will be extended by one month. If you have a high-yield CD with Marcus and need access to your funds, we will waive the early withdrawal penalty should you need to withdraw funds from your account prior to maturity. In the meantime, your CD account will continue to accrue interest as scheduled.https://www.marcus.com/us/en/media/blogs/info-on-covid19
Truist BanksPayment relief assistance, extra cash-back, small business lending.Truist is offering relief measures, allowing greater access to capital for borrowers and empowering our teammates to support clients affected by the COVID-19 pandemic. The relief measures include:

Providing payment relief assistance for clients with mortgage loans, consumer loans, personal credit cards, business credit cards and business loans.
Temporarily waiving ATM surcharge fees to help consumers and businesses access cash with greater confidence
Providing 5% cashback when BB&T and SunTrust consumer credit card holders use their credit card for qualifying purchases at grocery stores and pharmacies through April 15, 2020
We'll also continue to actively support the cash flow needs for our retail and business clients who are affected by the COVID-19 pandemic through a number of lending programs. Our branch bankers, relationship managers and contact center teammates are committed to working with you to reduce financial stress during this challenging and uncertain time.
https://www.truist.com/coronavirus-information
Honeycomb CreditLow-fee crowdsourced loansTo help deliver the working capital that businesses need, Honeycomb is offering 45-day payment free periods, 6-month interest-only periods and reducing our posting, success, and investor fees. We're also streamlining our due diligence to connect businesses with local investors as quickly as possible. As always, these loans are community funded via the Honeycomb crowdfunding platform.https://www.honeycombcredit.com/relief
WefunderSmall business resourcesEmergency funding for your business and $50K mentorship for startups tackling the coronavirus crisis.https://wefunder.com/
Spectrum + Charter CommunicationsBroadband + WifiSpectrum is offering free broadband and Wi-Fi access for 60 days to households with K-12 and/or college students who do not already have a Spectrum broadband subscription and at any service level up to 100 Mbps. To enroll, call 1 (844) 488-8395. Installation fees will be waived for new student households.https://corporate.charter.com/newsroom/charter-to-offer-free-access-to-spectrum-broadband-and-wifi-for-60-days-for-new-K12-and-college-student-households-and-more
Hebrew Free Loan Association of Northeast OhioLoans of up to $1500the HFLA of Northeast Ohio will be offering interest-free loans for those affected economically by the coronavirus who live in Northeast Ohio.

HFLA will provide expedited Interest-free loans of up to $1,500 for purposes including (but not limited to):

Lost wages due to being unable to go to work
Child care costs due to school closures
Related medical costs
To apply, borrowers should contact HFLA at 216-378-9042 or email team@interestfree.org specifying that the request is for coronavirus related needs.
https://interestfree.org/coronavirus-covid-19-emergency-fund-press-release/?fbclid=IwAR2cCJFcliM7CM1lmvLGNjgQLcBLhLVeMxwlRLxX5v-0J_PSRoK9riX3TRA
AZ Local Impact Fund Launched by LeadMD and Invest SouthwestResources and reliefLeadMD, the world’s leading performance marketing consultancy, today announced its partnership with Invest Southwest to spearhead a small business relief fund in Arizona.https://apnews.com/Business%20Wire/703df7fc2336474a94986bf6b3334d2e
AR Community FoundationRelief FundThe Arkansas Community Foundation (ACF) has started the COVID-19 Relief Fund.

About $130,000 is already in the fund, and Larkin said she hopes that further donations could push the fund up to $300,000. A simple application process for non-profits will start today and those applications will undergo an expedited consideration process. The goal is to release up to 65 $1,000 mini-grants by the first week in April, she added.
https://katv.com/news/local/arkansas-community-foundation-starts-covid-19-relief-fund
United Way of Southeast LouisianaReliefUnited Way of Southeast Louisiana announced a $100,000 contribution to the Greater New Orleans Foundation Disaster Response and Restoration Fund to help thos financially impacted by COVID-19https://wwl.radio.com/articles/united-way-offers-relief-to-workers-impacted-by-covid-19
WouldASpentSupport for Small Businesses"The pandemic is here. Nobody's going out. Support small businesses and gig workers by sending them the money you #wouldaspent to help them survive COVID-19."

How? Businesses and workers impacted by COVID-19 request to be added to the list and make a commitment as to how they'll use funds. You browse the list and support businesses and workers where you #wouldaspent money by buying a gift card or (even better) donating. Help your favorite local small businesses and workers raise even more money by sharing a link to #wouldaspent on social media.
https://www.wouldaspent.org/
SonicFree Internet for certain demographicsDuring the COVID-19 outbreak, Sonic is offering three months of free internet access and unlimited nationwide home telephone service to households with K-12, college students, or senior citizens 60 or older.https://www.sonic.com/cov19
National Digital Inclusion AllianceFree/Low Cost InternetVarious broadband providers and mobile carriers are offering free or low-cost access in response to the COVID-19 pandemic. The National Digital Inclusion Alliance has information on providers and programs offering free or low-cost broadband. Please visit the DCEO website for more information.https://www.digitalinclusion.org/free-low-cost-internet-plans/
Delivering with DignityFood ReliefIn Nevada, "Clark County and Honey Salt have teamed up for “Delivering with Dignity,” a pilot program with a mission to feed our community’s vulnerable families and keep them safe from COVID-19. The program will serve those who grapple with poverty and are at-risk for contracting the illness if they leave their homes."https://www.8newsnow.com/news/local-news/delivering-with-dignity-clark-county-honey-salt-team-up-to-feed-families-in-need/
Lifeline Program (North Dakota)Utilities ReliefThe North Dakota Public Service Commission is reminding state residents of the Lifeline Program, which helps people in need pay for phone or internet service. The program is available to qualifying new and current customers with income below a certain threshold, or those who qualify for certain government assistance programs. Lifeline can be used only for one service in a household -- either phone or internet. Detailed information about who qualifies and how to apply can be found at:www.lifelinesupport.org
ND United WayPandemic Relief FundThe Missouri Slope Areawide United Way has launched a Pandemic Relief Fund. The nonprofit said the fund aims to “support our community’s unsheltered residents who are especially vulnerable to the coronavirus, and low-income individuals, students and families at imminent risk of hunger and homelessness due to health and economic impacts of coronavirus.” The fund will:
1. Provide assistance to ensure vulnerable populations have access to food (to include weekend hunger for students, elderly meal deliveries to their homes, food distribution sites in high-poverty neighborhoods).
2. Support the response to protect unsheltered and most vulnerable residents through this crisis.
3. Support to agencies who provide emergency assistance to individuals and families affected by this crisis, through targeted investments where jobs and wage reductions are disproportionately impacted.
4. Provide additional support to our non-profit partners, in alignment with our mission to break the cycle of poverty, that experience a decline in giving due to the pandemic & its impact on the economy & giving cycles. People can get more information or donate at:
https://www.msaunitedway.org/covid-19?fbclid=IwAR051ZcRgjOQ9Xygauu5ocOpcFKp23d172S2XOesLUFGrQTxkCRIc1AcM3E
Communities Foundation of OKGrants for community organizationsCommunities Foundation of Oklahoma - The disaster relief fund will deploy resources to community-based organizations on the front lines of the COVID-19 outbreak and related community needs. Funds will be granted to the following groups that work with people and communities affected by the disaster. Nonprofit regional health organizations; Government entities; Nonprofit organizations; Churches; Schools.Contact Rachel Hunter at 405-488-1450 or visit www.cfok.orgcofk.org
Rhode Island Foundation/United WayGrants for community organizationsRhode Island nonprofit organizations at the forefront of COVID-19 response can apply for grants from the Rhode Island Foundation/United Way COVID-19 Response Fundhttps://rifoundation.org/grant/covid-19-response-fund-grants
Community Foundation for Monterey CountyCOVID-19 Relief Fund GrantsGrants are expected to range between $5,000 to $30,000 and will be reviewed on an ongoing basis. 501(c)3 nonprofit organizations and public agencies are eligible to apply for additional funds as needs arise. Requests will be reviewed by CFMC staff and grants awarded as quickly as possible. The CFMC will consider grant requests to:

- Assist nonprofits serving vulnerable populations with basic needs (food, housing, living expenses, transportation costs, etc.) related to job layoffs and/or unemployment
- Assist nonprofit organizations experiencing staffing and/or volunteer gaps due to quarantines and social distancing
- Help nonprofit organizations cover the costs incurred for travel changes and other pandemic-related cancellations
- Fund programming to address related mental health impacts
- Assist nonprofit organizations with financial planning and resilience
https://www.cfmco.org/nonprofits/grants/covid-19-relief-grants/
FaireImpact Calculator for RetailersWe care about the success of your business, and want to offer meaningful support and information through this uncertain time. That's why we've built this calculator to help you understand the potential impact of COVID-19 on your business.https://www.faire.com/impact-calculator?mc_cid=cc966e5a80&mc_eid=09da149948
US BankPremium Pay Program - for front line employeesU.S. Bank is investing in a Premium Pay Program. Effective March 23, eligible critical front-line employees will receive a 20% wage premium during the four-week program. The Premium Pay Program applies to more than 30,000 critical employees at branches, operations and contact centers, field operations offices and critical service locations. U.S. Bank will continue to assess the environment to determine if the program will be extended beyond the initial four-week period. This is in addition to our existing program to provide additional paid time off for employees affected by COVID-19, among other relief programs.https://www.usbank.com/newsroom/stories/us-bank-announces-20-percent-premium-pay-program-for-employees-and-30-million-commitment-to-support-individual-and-small-business-recovery.html
US BankRelief FundU.S. Bank also announced a $30 million commitment to support COVID-19 relief efforts in communities around the country. This community commitment will support immediate relief and long-term recovery efforts and includes $4 million in the next two weeks to national organizations focused on small business recovery and crisis relief and an additional $26 million to local nonprofits across the country by year’s end.https://www.usbank.com/newsroom/stories/us-bank-announces-20-percent-premium-pay-program-for-employees-and-30-million-commitment-to-support-individual-and-small-business-recovery.html
Bank of North DakotaStudent Loan relief plansBank of North Dakota (BND) shared its student loan relief plans to assist borrowers impacted by COVID-19 with the Industrial Commission today. Effective immediately, borrowers may request to defer payments for six months. The interest rate for variable rate borrowers decreases April 1, 2020, so BND will reduce payments to reflect the new interest rate. In addition, all borrowers with a fixed interest rate will receive a decrease in their interest rates by at least 1 percent when the Bank is able to work through technical issues.https://bnd.nd.gov/bank-of-north-dakota-announces-student-loan-relief-options/
Oregon Pacific BankCommunity Emergency Loan FundThrough its Community Emergency Loan Fund, Oregon Pacific Bank has committed to lend up to $5 million to local business and non-profit agencies that are headquartered and operate in Eugene, Florence, Coos Bay, Medford and Roseburg. The funds are to be invested in local communities to reduce the economic impact of COVID-19. Each loan is not to exceed $100,000 or 50% of 2019 sales. The loans will start with 12-months of interest-only payments, with 0% interest for the first 6 months.https://www.opbc.com/oregon-pacific-bank-announces-community-emergency-loan-fund/
Washington Federal BankExpedited business loansBusinesses with a 10% or greater drop in revenue can apply for up to $200,000 lines of credit, with 90 days interest-free. Expedited processing is available for lines of credit up to $30,000. For more information, email Business.Lifeline@wafd.com.
Kabbage PaymentsHelpsmallbusiness.com gift certificate programWe know cash flow might be top of mind at this time as you deal with the impact of the COVID pandemic. We are reaching out to you to let you know of an option to continue revenue during these changing times. Through Kabbage Payments, you can sign up to offer online gift certificates, making it easy to connect small businesses to consumers who want to show their support for you. Create a free account in minutes and get a unique URL that you can share on your website or social media. When a customer purchases a gift certificate, funds from the sale will be deposited into your bank account the next business day.

Transactions that are processed by 5 p.m. ET will be deposited in your bank account the following banking day. Any transactions that are processed after 5 p.m. ET will be deposited in your bank account within 2 banking days. Settlement to your bank account may be delayed if transactions are flagged for review. [Note that this transaction may incur a standard 2.5% processing fee by Kabbage’s payment processor.]
https://www.helpsmallbusiness.com/
FunderaSmall business loans marketplaceAre you considering your options for small business loans during this time, as a result of the disruption caused by the COVID pandemic? We’re here to pass along all the resources that might be available to you. One of them is Fundera, a marketplace for small business loans that helps you shop for financing options. Through a network of partners, Fundera provides lending options, including SBA loans, lines of credit, and term loans. These loan terms may vary depending on the source (for example, SBA or other government-backed loans may be more favorable than private loans), but through Fundera [link] you can compare many at once.

We expect additional details about SBA loan eligibility (including state by state eligibility) to be updated soon, so if you’re not eligible for SBA disaster loans right now, be sure to check back in regularly to compare your options.
https://www.fundera.com/gusto

Work From Home Tools

Sponsored by Parys.tech

Many companies like Facebook or Google make their employees work from home. But then what are the tools that can be used from home to keep your productivity active. These tools can help your company, friends or family communicate more easily during this time.

Communication

  • Zoom - A free video conferencing tool
  • Slack: Slack currently allows you to upgrade your Free plan into a Pro plan without any additional fee. You will have to send them an e-mail in order to do that.
  • Calendly - Offers free Zoom and GoToMeeting integrations which was previously a premium tier feature. They are also providing free premium plans to teams working directly with the COVID-19 pandemic research.
  • Hangouts - Up to 250 users on one call for free up to 1,000,000 viewers.
  • LogMeIn - Free site-wide license.

Productivity

  • Atlassian - Offers a free Cloud tier for all of their products including Jira, Confluence and the premium tier of Trello
  • Airtable - Free Pro plan - Also free for Students
  • Wrike - Offers free licenses to new customers for 6 months.
  • Smartsheet - Free templates to prepare your dashboard for COVID-19.
  • Zoho - The whole suite is for free until 1st of June.
  • Microsoft - Gives away a free six months trial of O365 including Microsoft Teams.
  • HootSuite - Free version of the whole suite to stay connected and manage social media
  • Cloudflare - Gives away a Free Teams subscription to small teams for the next 6 months.
  • Adobe - Creative Cloud for free by request to students and educator until May 31st.

Learning

  • LinkedIn - Gives 16 learning courses for free and provides tips on how to stay productive.
  • Audible - Offers a 30 days Trial

For more tools, you can check here.

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