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US States’ Small Business Support Amid the Coronavirus Pandemic

Susan Honea

Susan Honea – 8 years experience helping businesses with bookkeeping, tax preparation and auditing

Last updated: June 2, 2020

We analyzed and ranked the level of support states offer small businesses. How likely your business is to survive the pandemic can be heavily influenced by where it is located.

US States’ Small Business Support Amid the Coronavirus Pandemic

The US has over 30 million small businesses that employ almost 60 million people. But during the global coronavirus pandemic, many either had to shut down or operate at minimum capacity.

Now, as many states begin to reopen, these businesses are trying to get back to some kind of “normal.” Yet, with consumer spending at a 10-year low, a vast number of these businesses are still struggling to make ends meet.

Over the past few months, some have found help in the form of grants, loans, tax deferrals, and eviction and foreclosure moratoriums.

But which states and local fundraisers have and continue to offer the most assistance, and which are leaving small businesses to fend for themselves?

We’ve ranked each state based on the help they’ve given and are continuing to give to small businesses during the pandemic. Scores depend on the number of loans that have been or are still available, the allocation of federal funding, and their regulations (e.g. extending businesses tax deadlines).

What did we find?

  • Idaho, Nevada, West Virginia, and Wyoming have no known loans or grants available for small businesses
  • Only 26 states have (or have had) a statewide loan available for small businesses, with just 17 introducing grant-based schemes
  • While all states have received some federal funding in the form of PPP and EIDL loans, some received far more support than others. For example, 25.71 percent of small businesses received a PPP loan in North Dakota, while just 12.19 percent received the same in Maryland
  • The highest percentage of small businesses to have received an EIDL loan advance within one state was 1.18 percent in Hawaii. The lowest was 0.56 percent in West Virginia

Table of Overall State Scores

RankScoreStateLoanGrantTax Deferral# of Cities/Counties with Local Loans or GrantsAwards for EIDLAwards for PPPEviction and Foreclosure Moratorium
147.33California605304.080.252
243.3Wisconsin0203141.292.013
340.11Virginia003331.670.442
437.47Michigan9103141.190.280
532.16Illinois653131.240.923
632.05Massachusetts353151.711.343
729.94Texas000281.580.360
829.75Maryland355130.750.003
928.93Oregon000213.891.043
1028.37Colorado353112.171.203
1125.88Florida303152.400.482
1224.73Washington05394.671.062
1324.39Minnesota603121.392.000
1424.24Pennsylvania303131.320.923
1522.5Iowa35341.572.933
1620.76New Jersey65062.761.000
1720.7New York302111.320.383
1820.25North Carolina302111.240.013
1919.91Louisiana30534.930.983
2019.89Maine60071.971.923
2119.42Vermont65221.590.832
2219.32Alaska35521.770.552
2319.23Rhode Island35052.901.332
2418.48Arkansas310011.021.462
2518.41Connecticut60324.001.412
2618.27Arizona000132.010.263
2717.27Ohio000130.730.543
2816.74New Hampshire05313.111.633
2915.07Indiana000140.280.790
3014.45Montana010011.202.250
3113.46New Mexico90022.090.370
3212.93District of Columbia05004.050.883
3312.68Tennessee00570.000.680
3412.39Kansas30021.782.613
3512.19Mississippi010000.671.520
3611.87South Carolina00531.220.652
3711.68Missouri00080.231.452
3810.94South Dakota30003.514.430
3910.55Kentucky00080.280.272
4010.29Alabama00351.161.130
4110.07North Dakota00023.075.000
4210.04Oklahoma00042.121.922
439.99Hawaii00015.001.992
448.44Georgia00042.210.232
458.4Nevada00004.740.663
468.33Nebraska30001.423.910
478.26Utah30021.641.620
487.22Delaware30001.580.642
495.98Wyoming00001.452.532
505.09Idaho00001.141.952
512.78West Virginia00000.000.782

Top 5 states for small business support

  1. California – Two state loans are offered to small businesses in California. The California Disaster Relief Loan Guarantee Program has been allocated $50 million and guarantees up to 95% of the loan for up to 7 years. The California Capital Access Program (CalCAP) is run by the California Pollution Control Financing Authority and is targeted at small businesses that struggle to obtain financing. There are also 30 other loans available throughout cities and counties in California. Businesses were also given an extension for filing their first-quarter returns (extended to July 31, 2020) and have been given access to the Small Business Relief Payment Plans for Sales and Use Tax. From April 2, 2020, small business taxpayers—those with less than $5 million in taxable annual sales—could take advantage of a 12-month, interest-free, payment plan for up to $50,000 of sales and use tax liability only. Local governments have also been given the go-ahead to ban commercial evictions.
  2. Wisconsin – There are 13 local loans and grants available throughout Wisconsin, but it’s the state government’s offerings that really boost its score. An initial $5 million Small Business 20/20 Grant was launched during the early stages of the pandemic, followed by a more recent $75 million investment in the “We’re All In” schemes which are opening as we write. This includes $2,500 grants for businesses and $3,000 rental assistance grants. State legislation also prevented commercial evictions and foreclosures during the state of emergency.
  3. Virginia – Even though Virginia’s government hasn’t offered a statewide loan or grant for small businesses, there are 33 separate loans and grants available in the state. The most notable of these is the VA 30-Day Fund. This grant-based scheme offers up to $3,000 in forgivable loans for Virginia-based businesses that employ from three to 30 people. Businesses were also given extra time to file taxes and a court order suspends all writs of eviction during the state of emergency.
  4. Michigan – Michigan’s Economic Development Corporation offered 5 loan and grant schemes in total (two of which were limited to tech- or mobility-based companies). The Michigan Small Business Relief Program allocated $10 million to loans worth $50,000 to $200,000 and $10 million to grants worth up to $10,000. Meanwhile, the Northern Initiatives Program (allocated $2 million) gave women- and minority-owned businesses who had been impacted by the pandemic from $5,000 to $250,000 in 5-year loans. A further 14 loans/grants have been or are available within the state. The state also delayed sales and use tax payments for businesses
  5. Illinois – The state of Illinois offers two loan programs and also gave the hospitality industry access to a grant-based program (which has since closed). $14 million was allocated to the Hospitality Emergency Grant Program, giving businesses grants of up to $30,000. The Illinois Small Business Emergency Loan Fund provides up to $50,000 in 5-year loans at an interest rate of 3% (payments are deferred for the first 6 months). And the Downstate Small Business Stabilization Program (allocated $20 million) offers loans of up to $25,000. There are 13 other loans available, too, and commercial evictions have been postponed with some tax release also being offered to small- to medium-sized restaurants and bars. Sales tax returns do still need filing even if payment can’t be made, however.

Bottom 5 states for small business support

All five of the bottom states (West Virginia, Idaho, Wyoming, Delaware, and Utah) have offered little in the form of state or local grants or loans (West Virginia, Idaho, and Wyoming haven’t introduced any, while Delaware and Utah have a single loan scheme each). None of them have offered tax deferrals for businesses either, nor did Utah offer suspensions on commercial evictions.

In West Virginia, Idaho, Wyoming, and Delaware, court orders postponed all court proceedings and deadlines, thus disabling commercial evictions.

State loans available

Below, we’ve compiled a list of over 400 loans available in states and cities across the US. Find out their current status, how much has been allocated, and what kind of terms are required.

StateLocal AreaLoan NameOffered ByStatusAllocated Amount ($)Min. Loan Amount ($)Max. Loan Amount ($)Max. Revenue Max. # of EmployeesBusiness in Operation For (Min.)Interest RatePayment/Interest DeferralsTerm PeriodOther T&CsLink
AlabamaBirmingham#BHAMSTRONG Small Business Loan FundBhamStrong (Public-Private Partnership)Closed1,200,00010,00025,000N/A491 year3 to 5%0% interest for first 180 dayshttps://bhamstrong.com/bhamstrongloan
AlabamaAuburnThe City of Auburn Working Capital Loan Interest Subsidy ProgramAuburn Chamber of Commerce (+ financial institutions)Open5,500,00025,000N/AN/AN/AUp to 4%1 to 3 yearshttps://auburnalabama.org/coronavirus/business-resources/interest-subsidy/
AlabamaWest AlabamaWest Alabama Small Business Relief FundChamber of Commerce of West AlabamaOpen200,00050Minimum of 2 employeeshttps://tuscaloosachamber.com/small-business-financial-assistance/
AlabamaFlorenceFlorence FirstCity of FlorenceClosed187,000N/AN/AN/Ahttps://florenceal.org/departments/planning_and_community_development/florence_first.php
AlabamaLimestone CountyAthens-Limestone County Small Business Assistance InitiativeGreater Limestone Chamber of CommerceOpen50https://www.tourathens.com/images/PDFs/Small_Business_Assistance_Initiative_APPLICATION.pdf
AlaskaSustaining Alaska’s Future Economy Guaranty Program (AK SAFE)Alaska Industrial Development and Export AuthorityOpen50,000,000 (increasing to 1,000,000,000)1,000,000N/AAllows for the extension of existing loans.http://aidea.org/Programs/AKSAFEPROGRAM.aspx
AlaskaAlaska CARESDDCED, AIDEAOpen5,000100,00050N/AN/AN/Ahttps://www.commerce.alaska.gov/web/ded/AKCARESGrant.aspx
AlaskaAnchorageSmall Business Grant Pilot ProgramMunicipality of AnchorageClosed1,000,0005,00010,0001,000,0007N/AN/AN/ABusinesses must not have received federal funding. https://www.muni.org/Departments/Mayor/PressReleases/Pages/Applications-open-for-Municipality%E2%80%99s-Small-Business-Grant-Pilot-Program.aspx
AlaskaJuneauEmergency Loans for Juneau BusinessesJuneau Economic Development CouncilNearly Full3,000,00025,00050,000N/A25Up to 2%Can elect to defer payments for 12 monthsUp to 30 monthsLoans paid back within 12 months will pay 0% interest https://www.jedc.org/emergency-loan-juneau-businesses
ArizonaMesaMesa Small Business Reemergence PlanCity of MesaClosed20,000,000N/AN/AN/ABusinesses must not have received federal funding. https://www.mesaaz.gov/city-hall/mesa-cares/mesa-cares-small-business-reemergence-program
ArizonaPhoenixPhoenix COVID-19 Small Business Relief GrantsPhoenix IDA and City of PhoenixClosed10,0003,000,00025Over 1 yearPreference given to small businesses owned by veterans and underrepresented groups located in economically distressed areas of Phoenix.https://www.azfoundation.org/GrantsLoans/SmallBusinessRelief.aspx
ArizonaRio Nuevo DistrictRio Nuevo Economic Relief Assistance ProgramRio Nuevo DistrictClosed2,500,0005,00050,000https://rionuevo.org/welcome/rio-nuevo-economic-relief-assistance-program/
ArizonaScottsdaleCOVID-19 GrantsScottsdale Industrial Development AuthorityClosed200,0005,000503 years (10 years preferred)Must be in the food, beverage, or tourism industry.https://www.yourvalley.net/stories/scottsdale-industrial-development-authority-sends-lifeline-to-local-small-business-community,155652
ArizonaTempeSmall Business Emergency Loan ProgramCity of Tempe (with Desert Financial Credit Union)Open1,000,0005,00020,000502 years0.04First payment deferred up to 90 daysUp to 48 monthsMin. of 5 employees.https://solutions.desertfinancial.com/TempeLoanProgram
ArizonaTucsonWe Are One/Somos Uno - Tuscan Resiliency Direct Loan ProgramCity of TucsonClosed1,000,00025,000500Fixed repayment options, including no payments for first 6-12 months10 yearshttps://www.bdfc.com/tucson/
ArizonaLocal First Arizona Small Business Relief Fund Local First Arizona (Nonprofit)Closed650,000250,0003Priority for businesses with children under 18 in the household.https://www.localfirstaz.com/small-business-relief-fund
ArizonaCOVID-19 Emergency Microloans for Small BusinessesCommunity Interest Corporation (Nonprofit)Closed10,000Up to 3%Option for interest-only payments for first 6 monthsUp to 5 years$25 origination feehttps://cictucson.org/covid-19-emergency-loan-products/
ArizonaWeFunder COVID-19 LoanCommunity Interest Corporation (Nonprofit) and WeFunderOpen20,0001,000,0000.03Deferred until 2021Up to 10 yearsRepayments based on 5% of revenues until loan is paid off. Closing fee of 3.75%.https://cictucson.org/covid-19-emergency-loan-products/
ArizonaKiva Tucson COVID-19 LoanCommunity Interest Corporation (Nonprofit), Growth Partners of Arizona, and KIVAOpen1,00015,0000Deferred for first 6 months1 to 3 yearsNo feeshttps://cictucson.org/covid-19-emergency-loan-products/
ArizonaSmall Business Success LoansGrowth Partners Arizona (Nonprofit)Open10,00075,0002 years6 months to 5 years"Affordable rates and fees."https://www.growthpartnersaz.org/small-business-success-loans/
ArizonaAZ Local Impact FundInvest Southwest (Nonprofit)Closed1 yearhttps://investsouthwest.org/apply-for-az-local-impact-fund/
ArizonaSmall Business SUCCESS GrantsArizona Hispanic Chamber of CommerceClosed100,0006,000N/AN/AN/Ahttps://mailchi.mp/azhcc/covid-19-business-resources
ArkansasQuick Action Loan Guaranty ProgramArkansas Economic Development Commission (AEDC) in partnership with the Arkansas banksOpen7,000,000250,000First payment deferred up to 6 monthsUp to 5 yearsAEDC will guaranty up to 80% of the principal balance of a loan issued by a lender participating in the program. https://www.arkansasedc.com/docs/default-source/covid-19/quick-action-loan-program-summary-(2).pdf?sfvrsn=cbf1c1f_4
ArkansasReady for Business GrantArkansas Economic Development Commission (AEDC) in partnership with the Arkansas banksClosed1,000100,000N/AN/AN/ATo assist with COVID-19-related expenses, such as PPE, deep cleaning, signage, hand sanitizer dispensers, marketing, etc. Must be made between March 1 and December 31, 2020. https://www.arkansasedc.com/covid19resources/business-resources/ready-for-business-grant-program
ArkansasCommunity Development Block GrantArkansas Economic Development Commission (AEDC) Open12,000,00075,0001,000,000N/AN/AN/Ahttps://www.arkansasedc.com/community-resources/community-development/community-development-block-grant
ArkansasBenton and Washington CountiesKiva FundStartup Junkie Foundation, KivaOpen10,0000https://www.kiva.org/covid19response
CaliforniaArcadiaSmall Business Grant ProgramCity of ArcadiaClosed245,0005,000N/AN/AN/Ahttps://cms9.revize.com/revize/arcadia/shape/development_services_department/economic_development/support_local_business.php
CaliforniaBerkeleyBerkeley Business Continuity GrantsBerkeley City CouncilClosed1,000,00010,00050Must be able to demonstrate a 25% drop in revenues.https://www.cityofberkeley.info/covid19-business-grants/
CaliforniaCoronadoLifeline Business Loan ProgramCity of CoronadoOpen2,000,00015,0000Payments deferred for 6 months60 monthsRestaurants, retailers, tourism, and theaters are prioritized.https://www.coronadochamber.com/lifeline-loan-application.html
CaliforniaDublinDublin Small Business Emergency Microloan ProgramCity of DublinOpen5,00010,000500Repayments deferred for 36 monthsOne-third of loan forgiven each year the business remains open with the entire loan forgiven after 3 years. Must be able to demonstrate a 25% reduction in revenueshttps://www.dublin.ca.gov/microloan
CaliforniaEl MonteEl Monte Business Grant ApplicationClosed10,000191 yearN/AN/AN/Ahttps://monte.campaignrep.org/page/business-and-employment-resource-center
CaliforniaFresnoSave Our Small Businesses Loan to Grant ProgramAccess Plus Capital, City of FresnoClosed2,250,0005,00010,000250Loans are forgiven if the businesses are still operating 1 year later. $5,000 for businesses with 5 or fewer employees, $10,000 for those with 6 to 25.https://www.accesspluscapital.com/save-our-small-businesses-loan-to-grant-program/
CaliforniaHaywardHayward Community Relief FundEast Bay Community Foundation, City of HaywardClosed380,000https://www.hayward-ca.gov/hayward-community-relief-fund
CaliforniaLos AngelesSmall Business Emergency Microloan ProgramCity of Los AngelesOpen5,00020,0001002% to 3%0% interest for first 18 months5 yearshttps://ewddlacity.com/index.php/microloan-program
CaliforniaLos AngelesLA County Employer Assistance Grant FundLos Angeles County Department of Workforce Development, Aging and Community Services (WDACS)Closed500,00010,0002,000,00050At least one quarterN/AN/AN/AMust be able to demonstrate a 20% drop in revenues.https://mywdacs.force.com/community/WDACSGrantManagementLogin?ec=302&startURL=%2Fcommunity%2Fs%2F
CaliforniaLos AngelesBusiness Recovery LoansLos Angeles County Development Authority Closed20,000242 years0.0244Payments deferred for 12 months5 yearshttps://wwwa.lacda.org/economicdevelopment/business-recovery-loans
CaliforniaLos Angeles, Ventura CountyEmergency Loans and Small Business LoansJewish Free Loan Association of Los AngelesOpen18,0000https://www.jfla.org/coronavirus-loans
CaliforniaManhattanLocal Love for Manhattan BeachPrivately FundedOpen350,0005,00020,000N/AN/AN/Ahttps://one2oneusa.org/llmb/
CaliforniaMendocino CountyBusiness Innovation and Resiliency FundCommunity Foundation of Mendocino CountyComing Soon100,000 (goal of 300,000)N/AN/AN/Ahttps://www.communityfound.org/stories-of-our-funds/field-of-interest-funds/business-innovation-and-resiliency-fund/
CaliforniaMountain ViewSmall Business Resiliency ProgramCity of Mountain View and the Los Altos Community FoundationClosed750,00010,00025Prior to January 1, 2020https://www.mountainview.gov/depts/manager/communityinfo/covid19communityresources/covid19smallbusinessprograms.asp
CaliforniaOaklandSmall Business Emergency Grant ProgramCity of OaklandClosed4,000,0005,000N/AN/AN/ABusiness owner must have an income below 80% of the Area Median Income (AMI).https://www.oaklandca.gov/news/2020/city-of-oakland-announces-availability-of-small-business-emergency-grants-in-partnership-with-working-solutions
CaliforniaPalm DesertUnited Palm Desert Economic Relief Program (UPDERP) City of Palm Desert City CouncilCloses June 31,000,00025,000250No payments for first 24 monthsLoans may be forgivable if applicant demonstrates that all funds have gone towards costs associated with the impact of COVID-19.https://www.cityofpalmdesert.org/our-city/departments/economic-development/covid-19-business-resources/economic-relief-package/-fbclid-IwAR35heH7HSKpzs76RDYy1yCFbuZEOok_YwR-88kRZEMps11k9hC2aRjetCY
CaliforniaPleasantonBusiness Assistance ProgramCity of Pleasanton Open3,000,0002,500 (or 2,900 for downtown businesses)20024 monthsMust be able to demonstrate a loss of 25% due to the pandemic.http://www.cityofpleasantonca.gov/gov/depts/ed/covid_19_business_support/pleasanton_business_assistance_program.asp
CaliforniaLa QuintaSmall Business Emergency Economic Relief ProgramCity of La QuintaClosed1,500,0005,00020,00025Payments deferred for 1 yearhttps://econdev.laquintaca.gov/covid-19-resource-guide-and-incentives/covid-19-small-business-emergency-economic-relief-program
CaliforniaRancho MirageRancho Mirage Food Access ProgramCity of Rancho MirageClosed400,0005,0008,000Limited to restaurants in the area.https://ranchomirageca.gov/covid-19/rancho-mirage-announces-food-access-program-for-restaurants/
CaliforniaRiverside CountyCOVID-19 Small Business Assistance Program MicroloanCounty of RiversideOpen15,00040Payments deferred for 3 months1 yearhttps://gcvcc.org/county-of-riverside-approves-small-business-assistance-program/
CaliforniaRiverside CountyCOVID-19 Small Business Assistance Program Restart LoanCounty of RiversideOpen15,00030,000242 years0.0375Payments deferred for 6 months5 yearshttps://gcvcc.org/county-of-riverside-approves-small-business-assistance-program/
CaliforniaRosevilleRoseville Small Business Stabilization ProgramCity of RosevilleClosed1,000,00020,000250Deferred until January 1, 2021.Maximum of $5,000 for businesses with 5 or fewer employees, maximum of $20,000 for those with 6 to 25.http://roseville.ca.us/news/what_s_happening_in_roseville/zero-interest_loans_to_111_roseville_small_biz
CaliforniaSacramentoSmall Business Emergency Economy Relief Loan ProgramCity of SacramentoClosed1,000,0005,00025,00025Deferral of 90 daysMicroenterprises with 5 or fewer employees got $5,000 while those with 6 or more employees got $25,000. Must be a restaurant, retail shop with storefront, day-care establishment, or nonprofit.https://www.cityofsacramento.org/Economic-Development/Economic-Relief/Loan-Program
CaliforniaSan DiegoSmall Business Relief Fund (SBRF)City of San DiegoClosed6,100,00010,00020,0001006 monthshttps://www.sandiego.gov/economic-development/resources/relief
CaliforniaSan FranciscoSan Francisco Hardship Emergency Loan Program (SF HELP)Main Street Launch (Nonprofit)Open9,000,00050,0000Up to 6 yearsMust be able to demonstrate a 25% drop in revenues.https://mainstreetlaunch.org/contact-us/
CaliforniaSan FranciscoSan Francisco Resiliency FundSan Francisco Office of Economic and Workforce DevelopmentClosed1,000,00010,0002,500,0005N/ANo repayment requiredN/AMust be able to demonstrate a 25% drop in revenues.https://oewd.org/businesses-impacted-covid-19
CaliforniaSan FranciscoNeighborhood Mini-GrantsSan Francisco Office of Economic and Workforce DevelopmentClosed1,00010,0002,500,000N/ANo repayment requiredN/AMust be able to demonstrate a 25% drop in revenues.https://oewd.org/businesses-impacted-covid-19
CaliforniaSanta ClaraSmall Business Assistance Grant ProgramCity of Santa ClaraOpen800,0005,00010,00025N/AN/AN/A$5,000 for essential businesses and $10,000 for non-essential businesses.https://www.santaclaraca.gov/i-want-to/stay-informed/newsroom/coronavirus-updates/covid-19-business-resources/small-business-assistance-grant-program
CaliforniaSouth CountyEmergency Business Loan ProgramSouth County Economic Development CouncilOpen5,0000Repayment due April 1, 2021Intended for small restaurants to remain open and continue providing meals during the emergency. https://www.southcountyedc.com/emergencybusinessloanprogram
CaliforniaStanislaus CountySmall Business Relief ProgramStanislaus County Workforce DevelopmentClosed1,000,000501 yearhttps://workforceresource.net/small-business-grants
CaliforniaCalifornia Disaster Relief Loan Guarantee ProgramSmall Business Finance Center (SBFC), California Infrastructure Economic Development Bank Open50,000,0001,250,000750NegotiatedUp to 7 yearsGuarantees up to 95% of loanhttps://www.ibank.ca.gov/small-business-finance-center/
CaliforniaCalifornia Capital Access Program (CalCAP)California Pollution Control Financing AuthorityOpen5,000,000500Between 2% and 3.5%Up to 3 yearsThe maximum loan amount is $5 million and the maximum enrolled amount is $2.5 million. https://www.treasurer.ca.gov/cpcfa/calcap/sb/brochure.pdf
ColoradoAspenSmall Business Rent Relief Grant ProgramAspen City CouncilClosed6,000,00014,00035Open prior to March 1, 2020N/AN/AN/Ahttps://www.cityofaspen.com/1281/COVID-19-Business
ColoradoBreckenridgeSmall Business Rent Relief ProgramTown of Breckenridge Community DevelopmentClosed1,000,0004,00035https://breckenridge-tuition-assistance.fluidreview.com/
ColoradoBroomfieldBroomfield Small Business FundBroomfield Chamber of Commerce, Broomfield Community FoundationOpenN/AN/AN/Ahttps://www.broomfieldchamber.com/broomfield-chamber-community-foundation-launch-broomfield-small-business-fund/
ColoradoColorado SpringsSmall Business Relief Fund Colorado Springs Downtown Development AuthorityClosed667,5002,50020,000N/AN/AN/Ahttps://downtowncs.com/ddabizrelief/
ColoradoDenverDenver Small Business Emergency Relief ProgramDenver Economic Development & OpportunityOpen44,000,0007,500N/AN/AN/AFor companies in hard-hit industries, i.e. barbershops, food, nail salons, retail, and home childcare. https://www.denvergov.org/content/denvergov/en/environmental-health/news/coronavirus-info/support-services/small-business-emergency-relief-program-form.html
ColoradoDenverMicrolending ProgramDenver Economic Development & Opportunity with CEDS FinanceOpen5,00050,0001,000,000Up to 5 yearsPriority given to low- to moderate-income business owners with strong links to Globeville, Elyria/Swansea, Montbello, East Colfax, Westwood, or Sun Valley. Minority- or women-owned businesses will also be prioritized. https://www.cedsfinance.org/med/denver-microloan-program/
ColoradoEl PasoPikes Peak Enterprise Zone (EZ) Business Relief FundPikes Peak Regional Development CorporationClosed7,500500N/AN/AN/Ahttps://admin.elpasoco.com/economic-development/enterprise-zone-contribution-projects/
ColoradoFruitaFruita Small Business Emergency Assistance FundCity of Fruita and the Business Incubator CenterOpen3,00020Prime + 2%No payments or interest for the first 12 months24 months of paymentsLoans may be used to pay up to 2 months of operating costs.https://gjincubator.org/fruita-small-business-emergency-assistance-fund/
ColoradoGrand JunctionGrand Junction Business Stabilization and Recovery FundCity of Grand JunctionOpen540,0007,500500Payments deferred for first 6 monthsLoans will be forgiven if borrower submits proof that the funds went toward approved purposes, i.e. mortgage or business rent. Interest rate of Prime + 4% if business fails to meet loan forgiveness criteria. https://gjincubator.org/gj-business-recovery-fund/
ColoradoLarimer CountySmall Business Recover Loan FundBohemian Foundation, City of Fort Collins and Fort Collins Area Chamber of CommerceOpen5,000,0002,50050,0000.035https://nocorecovers.com/resource_orgs/larimer-county-small-business-recovery-loan-fund/
ColoradoColorado COVID Relief Fund ApplicationGovernment and Community DonorsClosed16,400,00025,000N/AN/AN/Ahttps://helpcoloradonow.org/covid_relief-fund/
ColoradoColorado Artist Relief FundDenver Arts & VenuesClosed130,0001,000N/AN/AN/Ahttp://www.artsandvenuesdenver.com/about-imagine-2020/imagine-2020-artist-assistance-fund
ColoradoEmergency Microloan ProgramGreenline VenturesOpen5,00025,000500.02No payments for the first 6 months5 yearsBusinesses must be majority owned (51% or more) by a minority, woman, or veteranhttps://www.greenlineventures.com/emergency-microloan-program
ConnecticutConnecticut Recovery Bridge Loan ProgramDepartment of Economic and Community DevelopmentClosed25,000,00075,000100012 months (6-month extension available)Up to 3 months of operating expenses up to max. loan amount.https://portal.ct.gov/DECD/Content/Coronavirus-Business-Recovery/CT-Recovery-Bridge-Loan-Program
ConnecticutConnecticut Manufacturing Innovation Fund Voucher Program (MVP)Connecticut Center for Advanced Technology, Inc.Closed50,000Vouchers for companies to purchase specialized technology that will enable them to improve their operations so they can help with the shortages of critical medical equipment and supplies.https://ctmvp.ccat.us/
ConnecticutCOVID-19 Business Response Program Line of CreditHEDCO, Inc.Closed20,0000For women- or minority-owned businesses.https://www.hedcoinc.com/
ConnecticutHartfordSmall Business Emergency Assistance Grant ProgramCity of Hartford, the Hartford Foundation for Public Giving, HEDCO, Inc., and Capital for ChangeClosed1,000,00010,000500,000Must have one federal tax returnhttps://coronavirus-response-city-of-hartford-hartfordgis.hub.arcgis.com/pages/small-business-emergency-assistance-grant
DelawareHospitality Emergency Loan Program (HELP) Delaware Division of Small BusinessOpen10,000 (per month)2,500,0001 yearPayments deferred for 9 months10 yearsFor businesses under NAICS code 7225, the revenue cap is $15 million. If a qualifying business’ total mortgage or lease payments in a month (across a single location or multiple) exceed $10,000, it is eligible to apply for a loan of up to $50,000 per month to cover those two expenses.https://business.delaware.gov/coronavirus/#section1
District of ColumbiaDC Small Business Recovery MicrograntsPlanning and Economic Development.Closed33,000,00025,000N/AN/AN/Ahttps://coronavirus.dc.gov/dc-small-business-recovery-grants
FloridaHialeahSave Our Business FundCity of HialeahClosed2,000,0005,000251 yearN/AN/AN/ATo assist business owners with rent for up to 3 months (or $5,000)http://www.hialeahfl.gov/690/Funding-Opportunities
FloridaJacksonvilleBusiness Community Relief FundsCity of Jacksonville and VyStar Credit UnionOpen20-30,000,000100,0001001 year5.99% APRInterest-only payments for the first 12 months60 monthsCity will grant $1,000 to each business awarded a loan and will provide a grant to cover the interest costs of year 1 - and year 2 (if the business retains at least 50% of its workforce). 10% of the loan will be paid by the City if 100% of the workforce is employed at the end.https://vystarcu.org/About-Us/Newsroom/Coronavirus/Small-Business-Relief-Program
FloridaMiamiSmall Business Emergency Loan ProgramCity of MiamiClosed1,000,0005,00020,000200.01Payments deferred for 12 months5 yearsOwners must be a low-mod income person (80% AMI or less)https://www.miamigov.com/Government/Departments-Organizations/Housing-Community-Development/Small-Business-Emergency-Loan-Program
FloridaMiamiBusiness Continuity Micro Enterprise ProgramCity of MiamiClosed10,0005N/AN/AN/AOwners must be a low-mod income person (80% AMI or less)https://www.miamigov.com/Government/Departments-Organizations/Housing-Community-Development/Business-Continuity-Micro-Enterprise-Program
FloridaMiami-DadeSmall Business Assistance Forgivable Loan ProgramMiami-Dade CountyOpen5,000,00025,000250Forgivable loan for business owners who are able to retain jobs held by low- to moderate-income employees.https://www.miamidade.gov/releases/2020-05-19-phcd-smallbiz-loan.asp
FloridaNorth MiamiEmergency Relief for Essential Business ProgramNorth Miami Community Redevelopment Agency Closed1,000N/AN/AN/Ahttp://www.northmiamicra.org/blog/north-miami-cra-creates-grant-programs-businesses-affected-covid19-south-florida-caribbean-news
FloridaNorth MiamiEmergency Relief to Jump Start BusinessesNorth Miami Community Redevelopment Agency Closed5,000N/AN/AN/AMust have applied for SBA disaster loan and a Florida disaster loan.http://www.northmiamicra.org/blog/north-miami-cra-creates-grant-programs-businesses-affected-covid19-south-florida-caribbean-news
FloridaPalm Beach CountyPBC Cares for Business – Restart Business Grants programPalm Beach CountyCloses June 1260,000,00025,00025At least before October 1, 2019Grants and forgivable loans.http://discover.pbcgov.org/HES/Pages/PBC-CARES-FOR-BUSINESS---RESTART-BUSINESS-GRANTS.aspx
FloridaPinellas CountyPinellas CARESPinellas CountyClosed35,000,0005,00025At least before October 1, 2019https://covid19.pinellascounty.org/pinellascaresbusiness/
FloridaSarasotaSmall Business and Safety Assistance Grant ProgramCity of SarasotaOpen5,00025N/AN/AN/Ahttps://www.sarasotafl.gov/business-resources/citysmallbusinessgrant
FloridaSarasota CountySmall Business Resiliency LoanEconomic Development Corporation of Sarasota CountyClosed4,300,00025,0000.035Payments deferred for 12 months3 yearshttps://www.edcsarasotacounty.com/business-assistance/small-business-resiliency-loan-funds-exhausted/
FloridaSt. John's CountyBack to Business Grant ProgramSt. John's CountyOpen10,0005,000,000751 yearN/AN/AN/Ahttp://www.sjcfl.us/sbrecovery/
FloridaSt. PetersburgFighting Chance FundCity of St. PetersburgOpen6,800,0005,000256 monthsN/AN/AN/ABusinesses must be a restaurant, bar, retail, personal service (i.e. hairdressers), personal and household goods repairs, fitness center, event space, or travel agency.http://www.stpete.org/assistance/fighting_chance_fund.php
FloridaTarpon SpringsSmall Business Endurance GrantsTarpon Springs City CommissionClosed100,0001,00050N/AN/AN/ABusiness must be public-facing.http://www.ctsfl.us/endurance.htm
FloridaVolusia CountyRelaunch Volusia Small Business Reopening Grant ProgramVolusia County10,000,0005,00050N/AN/AN/AUp to $3,000 for businesses with up to 25 employees, or $5,000 for those with 26 to 50.https://www.volusiabusinessresources.com/#homeSection348662
FloridaFlorida Small Business Emergency Bridge Loan ProgramDepartment of Economic OpportunityClosed50,000,00050,0001001 yearLoans of up to $100,000 available in exceptional cases.http://floridajobs.org/rebuildflorida/businessrecovery
GeorgiaAtlantaBusiness Continuity Loan FundCity of AtlantaClosed1,500,0005,00030,000501 year0Payments deferred for 6 to 12 monthsUp to 5 yearshttps://www.investatlanta.com/business-continuity-loan-fund
GeorgiaFultonDAFC Business Contingency Loan ProgramSelect Fulton and the Development Authority of Fulton CountyClosed1,500,00050,0002 yearshttps://www.developfultoncounty.com/
GeorgiaMilledgevilleEmergency GrantsMilledgeville Downtown Development Authority Closed5001 yearN/AN/AN/Ahttps://www.unionrecorder.com/news/main-street-dda-offering-emergency-grants-for-businesses/article_804f68a6-8c21-11ea-915f-efe5bf003f1c.html
GeorgiaRomeCommunity Development Block Grant Community Development Services CommitteeClosed258,0005,00020N/AN/AN/Ahttps://www.northwestgeorgianews.com/rome/business/city-to-use-cdbg-money-to-benefit-mom-and-pop-businesses/article_8655551c-84a6-11ea-8ee1-ffccdb5eed40.html
HawaiiHonoluluSmall Business Relief and Recovery FundCity of HonoluluOpen25,000,000 (further 25 million may be allocated)10,0001,000,00030N/AN/AN/Ahttps://www.oneoahu.org/small-business
IdahoNo known programs at present.
IllinoisAuroraStanding Together with Aurora Business Local Emergency (STABLE) FundCity of AuroraClosed1,400,00025,00050Forgivable loans. Businesses with 5 or fewer employees eligible for up to $15,000.https://investaurora.org/StableFund/
IllinoisChicagoSmall Business Resiliency FundCity of ChicagoClosed100,000,00050,000501% for the first 18 monthsNominal payments during first 6 months5 yearshttps://www.connect2capital.com/partners/chicago-small-business-resiliency-fund/
IllinoisChicagoMicrobusiness Recovery Grant Program City of ChicagoClosed5,000250,00041 yearN/AN/AN/Ahttps://www.chicago.gov/city/en/depts/bacp/supp_info/smallbusinessresiliencyfundgrantprogram.html
IllinoisChicagoImmediate COVID-19 Operating GrantsUniversity of ChicagoClosed1,200,0002,5007,500N/AN/AN/AFor university tenants.https://civicengagement.uchicago.edu/news/university-of-chicago-awards-112000-in-rent-relief-and-110000-in-immediate-covid-19-operating-grants-to-18-small-businesses
IllinoisChicago and Central IllinoisLISC Small Business LoansLISC, State FarmOpen10,000,00075,000250,0003 years0.06752% for initial 12 monthsUp to 48 monthsMinimum of $250,000 annuallyhttps://www.lisc.org/chicago/regional-stories/lisc-and-state-farm-announce-10-million-small-business-rescue-fund-chicago-businesses-and-nonprofits/
IllinoisCook CountyCook County Community Recovery FundCook County GovernmentLaunching Soon10,000,00020,0003,000,000250Rapid relief loans for small businesses, gig workers and independent contractors.https://www.cookcountyil.gov/content/community-recovery-fund-0
IllinoisGibsonSmall Business Loan ProgramCity of GibsonOpen80,0002,500100Payments deferred for 6 monthsBusinesses must be non-essential.https://www.gibsoncityillinois.com/images/Small_Business_Loan_Program_Ordinance_4.13.2020_PART_2.pdf
IllinoisLake ForestLocal Business Grant ProgramCity of Lake ForestOpen287,00012,500N/AN/AN/Ahttps://www.cityoflakeforest.com/local-business-grant-program-now-available/
IllinoisMilan2020 Commercial Business Assistance Loan Program Village of MilanOpen2,5001 yearBusinesses must have applied for PPP (approved or denied).https://www.milanil.org/docs/Milan-Comm-Bus-Assistance-Loan-Program-Application.pdf
IllinoisQuincySmall Business Emergency Loan ProgramCity of QuincyCloses July 1500,00010,00050Before January 10.01First payment deferred for up to 6 months18 monthshttps://www.quincychamber.org/wp-content/uploads/2020/03/SBE-LF-Instructions-Application-form-3-30-20.pdf
IllinoisSouth SideEmergency COVID-19 Bridge GrantsUniversity of ChicagoClosed800,0007,500N/AN/AN/Ahttps://civicengagement.uchicago.edu/news/university-of-chicago-awards-more-than-680000-in-emergency-covid-19-bridge-grants-to-182-south-side-small-businesses
IllinoisSterlingEconomic Development Revolving Loan Fund COVID-19Sterling Industrial Development Commission
Open300,00010,000250.01Interest-only for 1 year3 yearshttp://www.sterling-il.gov/docs/RLFAdministrativeGuidelinesCovid19.pdf
IllinoisIllinois Small Business Emergency Loan FundDepartment of CommerceOpen50,0003,000,000500.03Payments deferred for 6 months5 years50% must be put toward payroll or other eligible compensation.https://www2.illinois.gov/dceo/SmallBizAssistance/Pages/IllinoisSmallBusinessEmergencyLoanFund.aspx
IllinoisHospitality Emergency Grant ProgramDepartment of CommerceClosed14,000,00030,000N/AN/AN/Ahttps://www2.illinois.gov/dceo/SmallBizAssistance/Pages/HospitalityGrantAwards.aspx
IllinoisDownstate Small Business Stabilization ProgramDepartment of CommerceOpen20,000,00025,00050https://www2.illinois.gov/dceo/CommunityServices/CommunityInfrastructure/Pages/DownstateSmBizStabilizaition.aspx
IllinoisArts for Illinois Relief FundCity of Chicago, State of Illinois, and Private DonorsClosed1,500N/AN/AN/Ahttps://artsforillinois.org/donate-and-apply
IndianaEdinburghEdinburgh Small Business Recovery ProgramCity of EdinburghOpen240,00015,00017+N/AN/AN/AUp to $5,000 for businesses with 1 to 5 employees, $10,000 for those with 6 to 15 and $15,000 for those with 17+. https://www.edinburgh.in.us/egov/documents/1590008677_88839.pdf
IndianaEvansvilleRestart Evansville Post Pandemic Loan ProgramSouthwest Indiana Small Business Development CenterOpen100,0005,000240Payments deferred for 3 monthsPriority is given to businesses located within the Evansville Promise Zone.https://www.reopenevansville.com/en/business-assistance
IndianaFranklinFranklin StrongER (Emergency Relief) - Small Business Resilience Grant Franklin Development CorporationOpen250,0007,500156 monthsN/AN/AN/Ahttps://www.franklindevelopmentcorporation.org/uploads/5/6/5/6/56567511/franklin_stronger_overview.pdf
IndianaFranklin CountySmall Business Forgivable Loan ProgramFranklin CountyOpen2,50010,000502 years0Payments deferred for 6 monthshttps://www.fcchamber.net/programsummary
IndianaHammondSmall Business Resiliency ProgramCity of HammondCloses June 2610,00050http://www.gohammond.com/departments/planning-and-development/economic-development/small-business-resiliency-program/
IndianaIndianapolisRapid Response Loan FundIndy ChamberOpen3,000,00075,0005000.01Payments deferred for 6 months2 yearshttps://www.response.indychamber.com/loans
IndianaJeffersonvilleJeffersonville SustainsCity of Jeffersonville, One Southern IndianaClosed250,0005,000502 years0First payment due on October 1, 2020Forgivable after 15 payments of $100https://1si.org/app/uploads/2020/05/Jeffersonville-Sustains-Forgivable-Loan-Application.pdf
IndianaKokomoKokomo StrongER ProgramCity of KokomoClosed1,000,0005,000206 months0http://www.cityofkokomo.org/
IndianaLafayetteCDBG Emergency Small Business Assistance Program Impacted by COVID-19City of LafayetteClosed400,00010,00025https://www.lafayette.in.gov/FormCenter/Economic-Development-13/CDBG-Emergency-Small-Business-Assistance-75
IndianaLawrenceburgPublic Health Emergency Small Business GrantCity of LawrenceburgOpen3,50024https://www.thinklawrenceburg.com/public-health-grant/
IndianaNoblesvilleNoblesville Small Business Resilience Grant City of NoblesvilleClosed10,000N/AN/AN/Ahttps://www.cityofnoblesville.org/topic/index.php?topicid=524&structureid=301
IndianaSouth BendSmall Business Emergency Assistance FundingCity of South Bend, Bankable, and AccionClosed600,00020,00049https://southbendin.gov/initiative/emergency-assistance-funding/
IndianaWest Lafayette2020 Emergency Fund for Businesses Impacted by COVID-19City of West LafayetteClosed500,00015,000$10,000 for businesses with 5 employees or fewer, $15,000 for those with more than 6.https://www.westlafayette.in.gov/egov/apps/action/center.egov?view=form;page=1;id=706
IndianaIndy Arts & Culture COVID-19 Emergency Relief FundArts Council of IndianapolisOpen500https://indykeepscreating.org/apply/
IowaSmall Business Relief GrantsDepartment of Revenue and Economic Development AuthorityClosed25,000,0005,00025,000N/AN/AN/Ahttps://www.iowaeconomicdevelopment.com/aspx/general/dynamicpage.aspx?id=205
IowaTargeted Small Business Sole Operator FundDepartment of Revenue and Economic Development AuthorityOpen10,0004,000,000https://www.iowaeconomicdevelopment.com/programDetails?pid=137&ppid=26
IowaICUF Emergency Relief Fund GrantsIowa Credit Union FoundationClosed500250,0004N/AN/AN/Ahttps://www.iowacreditunionfoundation.org/emergency-relief-fund
IowaDes MoinesSmall Business Relief FundCity of Des MoinesClosed750,00010,00029N/AN/AN/Ahttps://www.dsm.city/departments/city_manager_s_office/covid-19/assistance.php
IowaForest CitySmall Business Recovery FundHanson Foundation, City of Forest City, Forest City Economic DevelopmentClosed160,0005,000250First payment deferred for 6 monthsHalf loan, half grant.http://www.forestcityia.com/recoveryfund/
IowaWapello CountySmall Business Emergency Impact FundOttumwa Regional Legacy Foundation Closed5,00025N/AN/AN/Ahttps://www.orlf.org/for-grantees-scholars/covid-19-relief/
KansasHospitality Industry Relief Emergency FundDepartment of CommerceClosed5,000,00020,0000No interest or principal payments for the first 4 months36 monthshttps://www.kansascommerce.gov/covid-19-response/hospitality-industry-relief-emergency-hire-fund/
KansasTopeka and Shawnee CountyHOST Relief ProgramThe Greater Topeka PartnershipOpen until October 15, 20205,0001006 monthsSole proprietors - $1,500; Business with 2 to 9 employees - $3,000; Businesses with 10 to 100 employees - $5,000.https://visit.topekapartnership.com/host-relief/
KansasChase, Coffey, Greenwood, Lyon, Morris, Osage, Wabaunsee, and Woodson countiesBusiness Jump Start FundEmporia Community FoundationOpen3,750100Eligible business categories include: retailers, restaurants, bars, service based businesses, and event centers.http://survey.constantcontact.com/survey/a07eh0nqtfkk8oxls9u/a0182k9oay6oo/questions
KentuckyBallard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall, and McCrackenCOVID-19 Business Relief Working Capital Loan ProgramPurchase Area Development District (PADD)Closes June 305,00025,0000.0244Optional payment deferral for 6 months36 monthshttps://www.purchaseadd.org/businesses/covid-19-business-relief-working-capital-loan-program/
KentuckyEastern KentuckySoutheast Kentucky Downtown Business Stimulus FundFour OrganizationsClosed450,0006003,000No interest loans and grants.https://www.wmky.org/post/southeast-kentucky-downtown-business-stimulus-fund-supports-eastern-kentucky-businesses
KentuckyJefferson CountySmall Business Continuity LoanLouisville-Jefferson CountyClosed500,00025,000100Payments deferred for 12 monthsBalloon payment at the end or the loan may be extended for a further 4 years at 5.0% APR.https://louisvilleky.gov/government/city/one-louisville-covid-19-response-fund
KentuckyLexingtonDowntown COVID-19 Reopening & Recovery GrantDowntown Lexington Partnership, Lexington Downtown Management DistrictOpen80,0003,000N/AN/AN/Ahttps://www.downtownlex.com/home/covid-19-reopening-and-recovery-grant-program/
KentuckyRiver Counties and Southeast KentuckySmall Business Stimulus FundCommunity and Economic Development Initiative of Kentucky (CEDIK)Open3,000N/AN/AN/ABusiness must fall into restaurant or experience retail that includes arts, tourism, accomodation, and entertainment.https://cedik.ca.uky.edu/seky-stim-fund
KentuckyElizabethtownBusiness Stimulus Funds Program City of ElizabethtownClosed1,000,0003,0001,000,0001 yearN/AN/AN/Ahttps://drive.google.com/file/d/1THu7BIQu9D80pvS5GmbnOMVj_hOTPiC_/view
KentuckyFort ThomasFort Thomas Business Assistance ProgramCity of Fort ThomasClosed2,50001 yearhttp://ftthomas.org/wp-content/uploads/2020/03/Letter-and-Executive-Order.pdf
KentuckyNewportEmergency Business Assistance ProgramCity of NewportClosed2,000100Rent and mortgage payment reimbursements. Up to $500 for four months. http://newportky.gov/City-Government/Economic-Development.aspx#EBAProgram
LouisianaSmall Business Loan Guaranty ProgramLouisiana Economic DevelopmentClosed50,000,00010,000100,00099No more than 3.5%No interest or payments for the first 6 months1 to 5 yearshttps://www.ledbizloan.com/
LouisianaLake CharlesLake Charles Small Business Stabilization FundCity of Lake CharlesOpen394,0002,5005,000https://www.cityoflakecharles.com/egov/apps/document/center.egov?view=item;id=5900
LouisianaMonroeCOVID-19 Small Business Enterprise LoansCity of MonroeClosed15,000For small businesses employing low- to moderate-income workers.https://monroela.us/city-monroe-covid-19-small-business-and-housing-program
LouisianaNew OrleansRelief Fund for Gig Economy WorkersNew Orleans Business Alliance (NOLABA)Closed500,000500N/AN/AN/ASuccessful applicants can apply for a second grant after 45 days.https://www.nolaba.org/relief-fund/#
MaineCOVID-19 Relief Business Direct Loan ProgramFinance Authority of MaineOpen (but funding already at maximum capacity)5,000,00050,000WSJ Prime minus 1%12 monthsCommitment fee is 0.5%. Closing fees may be financed with the loan proceeds. For businesses who have exhausted other funding possibilities. https://www.famemaine.com/business/programs/covid-19-relief-loan-programs/covid-19-relief-business-direct-loan-program/
MaineCOVID-19 Relief Interim SBA Finance Loan ProgramFinance Authority of MaineOpen100,000WSJ Prime plus 2%Interest-only payments90 daysBridge loan until businesses receive their SBA loan.https://www.famemaine.com/business/programs/covid-19-relief-loan-programs/covid-19-relief-interim-sba-finance-loan-program/
MaineBathEconomic Relief Bridge ProgramCity of BathOpen300,0007,5000Payments deferred for the first 12 months2 yearshttps://www.cityofbath.com/COVID-19EconomicRelief
MaineBrunswickPandemic Emergency Loan FundBrunswick Development CorporationClosed200,0005,0000Payments deferred for the first 12 months2 yearshttps://www.brunswickme.org/CivicAlerts.aspx?AID=89
MainePortlandBusiness Assistance Program for Job Creation (BAP-Rehire)City of PortlandCloses June 45,000N/AN/AN/AFor rehiring 2 or more employees from a low- to moderate-income. https://www.portlandmaine.gov/2627/COVID19-Loan-and-Grant-Programs
MainePortlandMicroenterprise Grant ProgramCity of PortlandCloses June 42,5002N/AN/AN/Ahttps://www.portlandmaine.gov/2627/COVID19-Loan-and-Grant-Programs
MainePortlandRapid Response Microloan Program (RRMP)City of PortlandCloses June 410,0001,000,0008Up to $5,000 forgiven if half of employees are rehired within 9 months.https://www.portlandmaine.gov/2627/COVID19-Loan-and-Grant-Programs
MaineRocklandDowntown Business Loan ProgramCity of RocklandOpen100,0005,000100Must have lost at least 50% in revenue compared to same period last year.https://knox.villagesoup.com/p/rockland-to-offer-loans-to-downtown-businesses/1859741
MaineWestbrookSmall Business Emergency Commercial Rental Assistance Program City of WestbrookCloses August 31100,5001,50050N/AN/AN/Ahttps://docs.google.com/forms/d/e/1FAIpQLSc3Nxqc0Rq2-BY9WnSpsMqd28QIzCDiEuHz0a82VxeSP9ZSHA/viewform
MarylandMaryland Small Business COVID-19 Emergency Relief Loan FundDepartment of CommerceClosed75,000,00050,00050Before March 9, 20200% for first 12 months, then 2% for 36 monthsPayments deferred for the first 12 months3 yearshttps://commerce.maryland.gov/fund/maryland-small-business-covid-19-emergency-relief-loan-fund
MarylandMaryland Small Business COVID-19 Emergency Relief Grant FundDepartment of CommerceClosed50,000,00010,0005,000,00050Before March 9, 2020N/AN/AN/AGrant not to exceed 3 months of operating expenses (up to $10,000)https://commerce.maryland.gov/fund/maryland-small-business-covid-19-emergency-relief-grant-fund
MarylandAllegany CountyCOVID-19 Small Business Assistance Fund Allegany CountyOpen109,00015N/AN/AN/Ahttps://www.alleganygov.org/FormCenter/Business-Resiliancy-13/Small-Business-Resiliency-MicroGrant-App-83
MarylandBaltimoreSmall Business Assistance FundBaltimore Development Corporation Closed3,500,00015,000N/AN/AN/AMust be used for expenses, i.e. rent, payroll, PPE. https://www.baltimoretogether.com/
MarylandBaltimore CountyCOVID-19 Small Business Emergency Relief Grants ProgramDepartment of Economic and Workforce Development (DEWD)Open10,000,00015,000251 year N/AN/AN/AMust be able to demonstrate a loss of revenue of least 40%. If a business fails, the business owner must return the grant within 14 days.https://www.baltimorecountymd.gov/Agencies/economicdev/about-us/smallbusinessgrants.html
MarylandCarroll CountySmall Business Emergency Relief FundCarroll CountyClosed843,0001,25024N/AN/AN/Ahttps://carrollbiz.org/smallbusinessrelieffund-3/
MarylandCecil CountyCOVID-19 LoansCecil County Economic DevelopmentClosed5,00075,0000.03Interest-only payments during year oneLoans of $5,000 to $15,000 encouraged.https://www.ccgov.org/home/showdocument?id=37856
MarylandBrunswickSmall Business Sustainability Micro-Grant ProgramCity of BrunswickOpen30,0001,00015Must be able to demonstrate a revenue loss of 50% or more.https://brunswickmd.gov/index.asp?SEC=1E8D2CA7-12FA-481D-BCDD-AD5BCEC74C0D&Type=B_BASIC
MarylandCharles CountyCOVID-19 Business Relief FundCharles County GovernmentOpen5,0002 years0.0325No principal or interest payments for first 12 months5 yearshttps://www.meetcharlescounty.com/charles-county-covid-19-business-loans/
MarylandCharles CountyBusiness Development Loan FundCharles County GovernmentOpen10,0002 years0.0325Interest-only payments for first 8 months2 yearsMust be a minority-, woman-, or veteran-owned business.https://www.meetcharlescounty.com/charles-county-covid-19-business-loans/
MarylandCharles CountyTarget Industry Incentive Loan FundCharles County GovernmentOpen10,0002 years0.0325Interest-only payments for first 8 months2 yearsMust be in one of the following industries: federal contracting, health services, technology, innovative entrepreneurial activity, professional business services, retail development, R&D and engineering, or value-added agriculture.https://www.meetcharlescounty.com/charles-county-covid-19-business-loans/
MarylandMontgomery CountyMontgomery County Public Health Emergency Grant (PHEG) ProgramMontgomery County GovernmentClosed20,000,00075,000100Microgrants of $2,500 also availablehttps://www.montgomerycountymd.gov/Biz-Resources/pheg/?mc_cid=0589777520&mc_eid=dd1c77971a
MarylandPrince George's CountyCOVID-19 Business Relief Fund - LoanPrince George's County Economic Development CorporationClosed15,000,000100,0000.0375No principal or interest payments for 12 months3 yearsUp to 6 months of verified payroll & operating expenses; not to exceed $100,000.https://www.pgcedc.com/covid-business-fund-2020
MarylandPrince George's CountyCOVID-19 Business Relief Fund - GrantPrince George's County Economic Development CorporationClosed2,500,00010,000N/AN/AN/AGrants of up to $10,000 for businesses with more than 10 employees and up to $5,000 for businesses with less than 10 employees. https://www.pgcedc.com/covid-business-fund-2020
MarylandQueen Anne's CountyQueen Anne’s County Small Business Assistance and Recovery FundQueen Anne's CountyOpenDesigned to offer assistance to businesses as they reopen, i.e. for PPE.https://www.qac.org/CivicAlerts.aspx?AID=1651
MassachusettsBostonSmall Business Relief FundCity of BostonClosed2,000,0002,50010,0001,500,00035N/AN/AN/A$2,500 grant for companies with 0 to 5 employees, $5,000 to those with 5 to 15, and $10,000 for those with 15 to 35.https://www.boston.gov/departments/economic-development/small-business-relief-fund
MassachusettsBostonReopen Boston FundCity of BostonOpen6,000,00014N/AN/AN/Ahttps://www.boston.gov/departments/small-business-development/reopen-boston-fund
MassachusettsBoston Main StreetsCOVID-19 Emergency Response FundBoston Main Streets FoundationClosed100,0001,000N/AN/AN/AHope to raise more capital to re-open funding.https://bostonmainstreets.org/covid/
MassachusettsCambridgeSmall Business COVID-19 Relief GrantCity of CambridgeClosed6,000N/AN/AN/APriority given to minority- and women-owned businesses. https://www.cambridgema.gov/CDD/News/2020/3/smallbusinesscovid19reliefgrant
MassachusettsChicopeeEmergency Business Assistance FundCity of ChicopeeOpen150,00010,0002 yearsN/AN/AN/Ahttps://www.chicopeema.gov/CivicAlerts.aspx?AID=469
MassachusettsClintonSmall Business Resiliency ProgramTown of ClintonOpen150,0005,0000.03Payments deferred for 12 months after the State of Emergency is lifted1 to 4 yearsRequests for larger amounts will be considered on a case-by-case basis.http://clintonma.gov/335/COVID19LOAN
MassachusettsFitchburgSmall Business Grant ProgramCity of FitchburgClosed100,0002,5005N/AN/AN/AMust be a restaurant, bar, retail, or entertainment business. http://www.ci.fitchburg.ma.us/CivicAlerts.aspx?AID=384
MassachusettsHolyokeBusiness Emergency Operation Grant ProgramGreater Holyoke Chamber of Commerce, City of Holyoke Community Development OfficeOpen90,0001,000500Before January 20, 2020N/AN/AN/AMust document benefit to low- and moderate-income employees by retaining jobs, or provide a service like a retail or grocery store in a low- and moderate-income primarily residential neighborhood, or be a microenterprise owned by a low- or moderate-income owner. https://covid19ghcc.wixsite.com/businessresources
MassachusettsMontagueForgivable LoansTown of MontagueOpen58,0005,00056 monthsBusinesses owner's household income must be less than 80% HUD median income. Forgivable loan if after 120 days the borrower can prove the funds have gone toward re-opening or continued operation for affected business.https://www.montague-ma.gov/n/125/ANNOUNCEMENT-Montague-Micro-enterprise-Assistance-Program
MassachusettsNorth AndoverNA COVID-19 Small Business Relief GrantCity of North AndoverClosed222,5293,0006 months (before March 1, 2020)N/AN/AN/AMust have a bricks-and-mortar store, studio, or office and be in an industry most impacted by the pandemic, i.e. retail or restaurants.https://www.northandoverma.gov/community-economic-development/pages/na-covid-19-small-business-relief-grant
MassachusettsNorth Central MassachusettsEmergency Micro-loan ProgramNorth Central Massachusetts Development CorporationOpen20,0002,000,000 (net profit)FlexibleEvery financed business must create at least one new job.https://www.choosenorthcentral.com/lending/
MassachusettsWestfieldEmergency Business Assistance ProgramCity of WestfieldOpen216,7372,50010,000N/AN/AN/Ahttps://www.cityofwestfield.org/701/Community-Development-Block-Grant-CDBG
MassachusettsWorcesterSmall Business Resiliency ProgramCity of WorcesterClosed500,0005,0002,000,000N/AN/AN/ABusiness owners must have a low- or moderate-income status and be able to demonstrate at least a 50% loss due to the pandemic.http://www.worcesterma.gov/coronavirus/business
MassachusettsSmall Business Recovery LoanMassachusetts Growth Capital CorporationClosed10,000,00075,00050No payments for the first 6 months36 monthshttps://www.empoweringsmallbusiness.org/
MassachusettsLISC Small Business Recovery Grant ProgramLocal Initiatives Support Corporation (LISC) and Citizens Bank Closed10,0002 yearsN/AN/AN/APriority given to minority- and women-owned businesses. https://www.lisc.org/boston/covid-19/small-business-recovery-grant-program/
MassachusettsBusiness Equity COVID-19 Emergency FundFoundation for Business Equity (Nonprofits)Closed100,000For Black and Latinx businesses with revenues of at least $250,000https://fbequity.org/business-equity-covid-19-emergency-fund/?fbclid=IwAR3MYyFL2XWRACxxdGSDs51cbyFY6a6JjtGmzzk3kdtcolZMCqli4ctxbXo
MassachusettsEmpowerment Grant for Small BusinessesState Treasurer’s Office of Economic Empowerment (OEE) Closed2,5005,000,000 (annual sales)1 yearN/AN/AN/A
MichiganMichigan Small Business Relief Program - LoansMichigan Economic Development CorporationClosed10,000,00050,000200,0001000.0025Interest-only payments for the first 60 monthshttps://www.michiganbusiness.org/496012/contentassets/12a42c4de57a4340b45906c94bd96adc/mi-small-business-relief-200326c.pdf
MichiganMichigan Small Business Relief Program - GrantsMichigan Economic Development CorporationClosed10,000,00010,00050N/AN/AN/Ahttps://www.michiganbusiness.org/496012/contentassets/12a42c4de57a4340b45906c94bd96adc/mi-small-business-relief-200326c.pdf
MichiganTech Startup Stabilization FundMichigan Economic Development CorporationClosed3,000,00020,000200,00049For early-stage tech startups who have been impacted by the pandemic.https://www.tssfund.com/
MichiganCOVID-19 Mobility Solutions GrantMichigan Economic Development Corporation, PlanetMClosedGrants for businesses who are able to provide mobility solutions that overcome the challenges presented by the virus. Up to 75% of the project is covered.https://www.planetm.com/test-and-pilot/
MichiganNorthern Initiatives ProgramMichigan Economic Development CorporationClosed2,000,0005,000250,000Emphasis on women- and minority-owned businesses and those heavily impacted by the virus.https://www.michiganbusiness.org/services/access-capital/northern-initiatives-program/
MichiganEntrepreneur Resilience Fund - GrantsMichigan Women Forward1,500,0001,0005,000500,00049N/AN/AN/Ahttp://miwf.org/mwf-entrepreneur-resilience-fund/
MichiganEntrepreneur Resilience Fund - MicroloansMichigan Women ForwardInc. in above5,00010,000500,000490.081 to 3 yearshttp://miwf.org/mwf-entrepreneur-resilience-fund/
MichiganDearbornDearborn Small Business Relief GrantCity of DearbornClosed5,00017N/AN/AN/APriority given to minority- or women-owned businesses and vulnerable industries, i.e. services, restaurants, and retail.https://www.accesscommunity.org/employment-services/entrepreneur-resources/dearborn-small-business-relief-grant
MichiganDetroitDetroit Small Business Stabilization FundTechTown DetroitClosed5,00010N/AN/AN/ABusiness owner must have a low to moderate income and have a physical establishment. https://techtowndetroit.org/detroit-small-business-stabilization-fund/
MichiganDurandEconomic Relief for Small BusinessesCity of DurandClosed1,00015N/AN/AN/APriority given to businesses that are still open or were forced to close.http://www.durandmi.com/quick_links/durand_cares_grant/index.php
MichiganGeneseeRestart Flint & Genesee Grant ProgramGenesee Chamber Foundation Closes June 7462,5005,00050N/AN/AN/AHair styling, tattoo shops, bars/restaurants, retail, construction/landscaping, daycare, senior living, non-critical manufacturing businesses are eligible.https://www.flintandgenesee.org/coronavirus-resources-for-employers-and-businesses/restart-flint-genesee/
MichiganJackson CountyDream Maker Small Business Emergency Relief FundDream Maker Fund (private fundraising)Closed1,000,0005,00050N/AN/AN/Ahttps://www.dreammakerfund.org/
MichiganKalamazooMicro-enterprise Grant ProgramCity of Kalamazoo, United Way of Battle CreekClosed500,0005,0001,000,000101 yearN/AN/AN/APriority on women, people of color, and indigenous people.https://changethestory.org/micro-enterprise-grants/
MichiganKent CountyRapid Response Economic Relief FundGreater Grand Rapids Chamber Foundation 5,00010,00025 (min of 5)N/AN/AN/Ahttps://www.grchamberfoundation.org/rapid-response-fund.html
MichiganLansingSmall Business Recovery ProgramCity of LansingClosed400,00010,0001,500,00025N/AN/AN/A$5,000 awards may also be offered.https://www.lansingmi.gov/1980/Rescue-Fund---COVID-19-Small-Businesses
MichiganSt. Clair CountyCOVID-19 Relief Small Business GrantsCommunity Foundation of St. Clair County Closed25,0001,000N/AN/AN/AFor minority- or women-owned businesses.https://edascc.com/covid19/funding-financial-relief-resources/
MichiganWashtenaw CountyCOVID-19 Community Relief FundUnited Way (nonprofit)Closed1,000,000N/AN/AN/AGrants intended to cover costs for a period of up to 6 months. https://www.uwwashtenaw.org/covid19apply
MichiganWashtenaw CountyWashtenaw Small Business Emergency Relief FundThe Song Foundation, Washtenaw CountyClosed5,00050N/AN/AN/AHome-based businesses with less than $81,000 in household income can qualify for grants of up to $1,000, businesses with up to 10 employees up to $2,500, and businesses with up to 50 employees up to $5,000. https://www.washtenawsbf.com/
MichiganWayne CountySmall Business Relief Loan FundTCF Bank, Wayne CountyOpen5,00050,0001,000,000991 yearLess than 2%Interest-only payments for the first 6 months12 monthsMust be able to demonstrate a 25% loss of revenue.https://www.tcfbank.com/waynecounty
MinnesotaSmall Business Emergency Loan ProgramMinnesota Employment and Economic DevelopmentLimited Availability30,000,0002,50035,000Prepayment deferred for 6 months5 yearshttps://mn.gov/deed/business/financing-business/deed-programs/peacetime/#2
MinnesotaSmall Business Loan Guarantee ProgramMinnesota Employment and Economic DevelopmentOpen10,000,000200,00025080% guarantee to a maximum of $200,000. Fee of 0.25%.https://mn.gov/deed/business/financing-business/deed-programs/loan-guarantee/
MinnesotaBemidjiHometown Business Relief FundGreater BemidjiClosed500,00020,0000Payments deferred for first 5 yearsFully forgivable if still in business after 5 years.https://www.greaterbemidji.com/business-relief-fund/
MinnesotaBrooklyn ParkEmergency Deferred Small Business LoanCity of Brooklyn ParkClosed2,5007,5002,000,000200Payments deferred for 12 monthsUp to 5 years (if business doesn't apply for forgiveness)https://www.brooklynpark.org/covid19-5/#brooklyn-park-emergency-deferred-small-business-loan
MinnesotaDuluth2020 Fast GrantsDuluth 1200 Fund Closed10,0005,000,00050Prior to January 1, 2020N/AN/AN/ACurrent 1200 Fund borrowers are eligible for up to $20,000https://1200fund.com/
MinnesotaEdinaSmall Business Emergency Assistance ProgramCity of EdinaClosed10,0001,000,00025 (min. of 2)Prior to July 31, 2019Fully forgivable if still in operation 2 years from the loan date, retaining at least 75% of employees. https://www.edinamn.gov/1688/Small-Business-Emergency-Assistance-Prog
MinnesotaHastingsHastings Economic Assistance for Recovery Together (HEART) Grant Program Hastings Economic Development and Redevelopment AuthorityClosed200,0004,000N/AN/AN/Ahttps://www.hastingsmn.gov/home/showdocument?id=8716
MinnesotaHennepin CountySmall Business Relief ProgramHennepin County Economic DevelopmentClosed7,5001,000,000200Payments deferred for 12 monthsUp to 3 years (if business doesn't apply for forgiveness)https://www.hennepin.us/economic-development/programs/Emergency-relief
MinnesotaLittle FallsCOVID-19 Business Assistance LoanCity of Little FallsClosed5,000Payments deferred for 6 months and 0% interest for final 18 months24 monthshttps://www.cityoflittlefalls.com/media/userfiles/subsite_69/files/City%20of%20Little%20Falls%20COVID-19%20Business%20Ap_.pdf
MinnesotaMinneapolisForgivable No-Interest Loans for Small BusinessCity of MinneapolisClosed2,200,0005,00010,0001,000,000200http://www.minneapolismn.gov/coronavirus/gap-funding#business
MinnesotaMinneapolisRevamped 2% Loan Program to 0%City of MinneapolisOpen50,00075,0001,000,000200% (on the city's portion)Payments may be deferred for up to 6 monthsUp to 10 yearshttp://www.minneapolismn.gov/coronavirus/gap-funding#business
MinnesotaPierzCOVID-19 Business Assistance ProgramCity of PierzClosed5,0000Repayments begin in March 202110 monthsHalf of the loan is a grant. https://www.hometownsource.com/morrison_county_record/community/pierz/pierz-city-council-approves-5-000-loan-program-for-businesses-effected-by-covid-19/article_c0b7d4ee-947a-11ea-9540-d770ed040360.html
MinnesotaRichfieldSmall Business Assistance Forgivable Loan ProgramRichfield Economic Development AuthorityOpen7,500$2,500 for business's first employee, followed by $500 for every additional one up to $7,500. Up to 50% of the loan is forgivable if the business is able to re-establish itself. https://www.pierzmn.org/index.asp?SEC={405401A9-0D2D-4793-BC13-0B9450911F45}
MinnesotaSaint PaulSaint Paul Bridge FundCity of Saint PaulClosed7,5002,000,000At least 3 monthsN/AN/AN/Ahttps://www.stpaul.gov/departments/planning-economic-development/saint-paul-bridge-fund
MississippiSmall Business Relief Funds - Immediate GrantsGovernment of MississippiComing Soon60,000,0002,000N/AN/AN/AFor businesses forced to shut due to pandemic, i.e. barbershops, salons, gyms.https://www.clarionledger.com/story/news/2020/05/21/gov-tate-reeves-approve-ms-coronavirus-relief-grant-program/5236005002/
MississippiSmall Business Relief Funds - GrantsGovernment of MississippiComing Soon240,000,0001,50025,000N/AN/AN/ATo cover expenses for the virus response. $40 million will be reserved in the first 60 days for minority-owned businesses.https://www.clarionledger.com/story/news/2020/05/21/gov-tate-reeves-approve-ms-coronavirus-relief-grant-program/5236005002/
MissouriKansasKC COVID-19 Small Business Relief Loan FundAltCapClosed5,000,000100,0002,500,000202% during second year, 4.5% during third yearNo interest and deferred payments for the first 6 to 12 monthsUp to 3 yearsPriority given to arts, fitness, food, hospitality, retail, personal service, healthcare, and transportation. And to loans of $50,000 and under. https://www.alt-cap.org/covid-relief-fund
MissouriKansasKansas City Missouri Small Business Relief Loan FundKansas City, Economic Development CorporationOpen500,00025,000750,00020Up to 4.5%No interest and deferred payments for the first 6 to 12 monthsUp to 5 yearsMust be a "non-essential" business and/or be disproportionately impacted by public health restrictions. I.e., retail, food service, entertainment industries. https://edckc.com/small-business-loan-fund/
MissouriKansasRocket Relief FundCharlotte Street Foundation, Spencer Museum of Art, ArtsKC – Regional Arts Council, Andy Warhol Foundation for Visual Arts, Theater League Kansas CityOpen120,0001,000N/AN/AN/AMust be located within an 80-mile radius of Kansas City.https://artist.callforentry.org/festivals_unique_info.php?ID=7756
MissouriBlack & Veatch COVID-19 Response AcceleratorBlack & VeatchOpen250,000Provides tech startups who may have solutions for the community to save lives, help people cope, or protect the economy with a platform to launch their business from.https://www.bvignite.com/
MissouriExcelsior SpringsOneTownOneTeam GrantExcelsior Springs Area Chamber of CommerceOpen100200N/AN/AN/Ahttps://exspgschamber.com/index.php/business-grant/
MissouriSt. LouisThe Gateway Resilience FundSt. Louis Community FoundationClosed1,300,0001,000For owners and employees of independent shops, restaurants, and bars.https://stlgives.org/covid19/gateway-resilience-fund/
MissouriSt. LouisSmall Business Resource FundSt. Louis Economic Development Partnership, the St. Louis Development Corporation, The St. Louis County Port Authority, U.S. Bank’s Market Impact Grant, and a coalition of 10 St. Louis banksOpen5,0001 year0https://stlpartnership.com/small-business-resource-fund-for-companies-that-sustained-economic-damage-due-to-the-covid-19/
MissouriSt. LouisRegional Arts Commission of St. Louis Artist Relief FundSt. Louis Community FoundationClosed5001,000N/AN/AN/Ahttps://stlgives.org/covid19/rac-artist-relief-fund/
MontanaMontana Business Stabilization ProgramMontana Department of CommerceOpen50,000,00010,00050N/AN/AN/Ahttps://commerce.mt.gov/Coronavirus-Relief
MontanaMontana Innovation Grant ProgramMontana Department of CommerceOpen5,000,00025,000150N/AN/AN/AFor businesses who can innovate a product/service to directly help with the pandemic.https://commerce.mt.gov/Coronavirus-Relief
MontanaBig SkyBig Sky Save Small Business Relief FundBig Sky Chamber of CommerceClosed210,0005,000N/AN/AN/A$2,500 for businesses with 1 to 5 employees, $5,000 for those with 6 to 20.https://bigskychamber.com/savesmallbusinessfund-2/
NebraskaCommunity Development Block Grant (CDBG) Department of Economic DevelopmentOpenMust create or retain jobs for low- and moderate-income workers or benefit communities where over 51% of the population is from a low- to moderate-income. https://opportunity.nebraska.gov/nded-covid19/#CDBG
NevadaNo known programs at present.
New HampshireMain Street Relief FundState of New HampshireClosed400,000,00020,000,000N/AN/AN/Ahttps://www.goferr.nh.gov/covid-expenditures/main-street-relief-fund
New HampshireManchesterSmall Business Recovery Loan FundManchester Development Corporation, City of ManchesterOpen1,000,00025,0000.02No interest or payments for the first 3 monthsUp to 60 months60 months for loans from $15,000-$25,000, 36 months for loans under $15,000http://www.manchester-chamber.org/manchester-board-of-mayor-and-aldermen-approve-small-business-recovery-loan-fund/
New JerseyNJEDA Small Business Emergency Assistance LoanEconomic Development AuthorityClosed10,000,000100,0005,000,0001 year0.030% interest and no fees for first 5 years with deferred payments for first 12 months10 yearshttps://faq.business.nj.gov/en/articles/3835238-how-do-i-apply-to-the-njeda-small-business-emergency-assistance-loan-application-opens-april-13-2020-at-9-00-a-m
New JerseyNJEDA Small Business Emergency Assistance GrantEconomic Development AuthorityClosed5,000,0001,0005,00010N/AN/AN/Ahttps://faq.business.nj.gov/en/articles/3835237-what-grants-are-available-for-small-and-medium-sized-businesses-via-the-njeda-small-business-emergency-assistance-grant
New JerseyNJEDA Entrepreneur Guarantee ProgramEconomic Development AuthorityOpen5,000,000200,0005,000,00024NJEDA will guarantee up to 80% of the total investment amount, not to exceed $200,000https://faq.business.nj.gov/en/articles/3835239-what-assistance-is-available-for-startup-investors-or-entrepreneurs-via-the-njeda-entrepreneur-guarantee-program
New JerseyGarden State Relief FundNew Jersey Community CapitalOpen10,00075,000500.03Up to 36 monthsMust have a minimum of 3 employees.https://www.newjerseycommunitycapital.org/initiatives/garden-state-relief-fund
New JerseyHobokenHoboken Relief FundLocal FundraisingCloses June 52,000,000 (target)2,500,00019N/AN/AN/Ahttps://hobokenrelieffund.com/small-business-application/
New JerseyNewarkCreative Catalyst FundCity of Newark, Division of Arts and Cultural AffairsClosed750,0001,00050,0002,000,000N/AN/AN/A$1,000 to $10,000 for individual artists or unincorporated artist collectives, $2,500 to $50,000 for nonprofit arts and cultural organizations.https://cityofnewark-arts.submittable.com/submit
New JerseySummitSustain Summit FundCity of Summit, Summit Downtown Inc., The Summit Foundation Closed340,0002,0005,500N/AN/AN/Ahttps://charity.gofundme.com/o/en/campaign/sustain-summit-fund
New JerseySummitJumpstart SummitAnonymous DonorClosed350,00015,00049N/AN/AN/Ahttps://drive.google.com/file/d/1c5ALtv-Gdl6vV6aA6qYSoWupXWRfQ541/view
New JerseyWestfieldWe Love LocalWestfield United Fund, Town of WestfieldClosedhttps://www.westfieldunitedfund.org/
New MexicoNew Mexico Recovery FundSun Mountain CapitalOpen10,000,0003% to 10%2 to 4 years40+ employeeshttps://sunmountaincapital.com/new-mexico-recovery-fund/
New MexicoCOVID-19 Business Loan Guarantee ProgramEconomic Development Department, Sun Mountain CapitalOpen50,000Up to 2 yearsNMEDD can guarantee a portion of a loan or line of credit up to 80% of principal or $50,000. https://gonm.biz/about-us/covid-19-response/business-loan-guarantee-program-lenders-apply
New MexicoLEDA 0% Interest LoansEconomic Development Department, Sun Mountain CapitalOpen0Company must be a manufacturer or a non-retail service that has over 50% of its revenue generated outside of the state). Limited to expenditure for infrastructure, building, and land, or can be used for mortgage assistance or lease abatement. https://gonm.biz/about-us/covid-19-response
New MexicoDisaster Relief Loan ProgramNMSBIC, Economic Development Department, LiftFundOpen25,0002,000,0000.037524 monthshttps://www.liftfund.com/new-mexico-disaster-relief-loan-program/
New MexicoAlbuquerqueEmergency Action FundAlbuquerque Community Foundation and United Way of Central New MexicoClosed5005,000500,000N/AN/AN/Ahttps://albuquerquefoundation.org/emergency-action-fund-grant-application.aspx
New YorkNew York Forward Loan ProgramState of New YorkOpen65,000,000100,0003,000,000201 year0.03Interest-only payments for first 12 months5 years65% of a $100 million budget available to small businesses. Businesses must not have received an SBA loan.https://www.connect2capital.com/partners/new-york-forward-loan-fund/faqs/
New YorkBinghamtonCOVID-19 Emergency Small Business LoanBinghamton Local Development CorporationOpen15,00050WSJ Prime rateNo payments or interest for up to first 12 monthshttp://www.binghamton-ny.gov/binghamton-local-development-corporation-bldc
New YorkBrooklynBring Back Brooklyn FundBrooklyn Chamber of CommerceOpen187,000 raised (goal of 500,000)50030,000065% of loans are to go toward women- and minority-owned businesses. https://fundrazr.com/BCC-BringBrooklynBack?ref=ab_48xd2f_ab_9X3gZygpYAo9X3gZygpYAo
New YorkBroome CountyCOVID-19 Emergency Loan Fund Broome County “The Agency”Open1,000,00075% of the Prime ratePrincipal and interest payments deferred for first 12 monthshttps://theagency-ny.com/covid-19
New YorkHornellSmall Business Assistance ProgramCity of Hornell Industrial Development AgencyClosed250,0001,00020,0000.01No principal or interest payments for 90 days33 monthshttp://hornellny.com/sites/default/files/public_documents/haidc_small_business_emergency_loan_program_with_forms_.pdf
New YorkJefferson, Lewis, St. Lawrence, Clinton, Essex, Franklin and Hamilton CountiesCOVID-19 Emergency Business Relief Program North Country AllianceOpen10,00025,000992 years0.05Principal and interest payments deferred for first 3 months, then interest only for 6 monthsUp to 60 monthsUnder 20 FTE employees, up to $10,000, over 20 FTE employees, up to $25,000http://www.northcountryalliance.org/NCA%20COVID-19%20Emergency%20Business%20Program.pdf
New YorkManhattan, Queens, and BrooklynEmergency Small Business Relief Loan FundRenaissance Economic Development CorporationOpen50,000500.03Payments deferred for up to 6 monthsUp to 48 monthshttps://renaissance-ny.org/emergency-small-business-relief-loan-fund/
New YorkMonroe CountyEmergency Small Business Support ProgramMonroe County Industrial Development Corporation (MCIDC)Open500,00010,000500https://www2.monroecounty.gov/files/planning/Econ%20Dev/COVID19Application.pdf
New YorkNew York CityNYC Business Continuity Loan Fund City of New YorkClosed20,000,00075,000990Must be able to demonstrate a decrease in sales of 25%.https://www1.nyc.gov/nycbusiness/article/nyc-small-business-continuity-loan-program
New YorkNew York CityNYC Employee Retention Grant ProgramCity of New YorkClosed10,000,00027,00056 monthsN/AN/AN/ATo cover 40% of payroll costs for 2 months up to $27,000.https://www1.nyc.gov/nycbusiness/article/nyc-employee-retention-grant-program
New YorkNew York CitySmall Business Rental Assistance GrantDowntown AllianceClosed800,00010,0001,500,00019N/AN/AN/ATo be used for the rent of a storefront business in the Lower Manhattan Business Improvement District.https://downtownny.com/RentAssistGrant
New YorkSyracuseCOVID-19 Emergency Relief Program for Small BusinessesSyracuse Economic Development Corporation (SEDCO)Closed500,00025,0000180 dayshttp://www.syrgov.net/SEDCO_Home.aspx
North CarolinaNC Rapid Recovery Lending ProgramNC Rural CenterOpen15,000,00050,0000.055No payments or interest for up to first 6 months48 monthsLoans capped at two months of revenue (up to $50,000)https://ncrapidrecovery.org/
North CarolinaBuncombeOne BuncombeBuncombe County Service FoundationClosed1,300,00010,000Low-interest bridge loans.https://onebuncombe.org/
North CarolinaCharlotteRISEwithcowithcoClosed2,00020,0000Payments may be deferred for first 6 months2 yearshttps://with.co/rise#gs.46f2kb
North CarolinaFayettevilleCOVID-19 Capitol Loan ProgramCity of FayettevilleOpen260,0005,000Prime + 1%Interest-only payment of approx. $17.71 required in first 6 months3 yearshttps://www.ncceed.org/covid19-capitol-loan-program/
North CarolinaJacksonAll in Jackson County FundJackson County Board of Commissioners324,0002,50010,000491 year1 to 6 months at 4%, 7 to 42 months at 5.5%Payments deferred for first 6 months7 to 42 monthshttps://www.mountainbizworks.org/coronavirus/covid-19-loans/all-in-jackson/
North CarolinaMecklenburg CountyCOVID-19 Small Business Emergency Stabilization Loan FundMecklenburg County, Carolina Small Business Development Fund (CSBDF)Closed5,00035,000502 years0.03Interest-only payments during the first year10 yearshttps://carolinasmallbusiness.org/initiatives/covid-19-small-business-emergency-stabilization-loan-fund/
North CarolinaMoreheadEmergency Small Business Loan Program Morehead CityClosed300,0005,00025No payments for first 12 monthsUp to 3 yearsLoan will help pay up to 2 months rent or mortgage/interest payments.https://www.moreheadcitync.org/388/Morehead-City-Covid19-Small-Business-Loa
North CarolinaPiedmont TriadSmall Business Continuity FundPiedmont Business CapitalClosed460,00010,0000Payments deferred for 90 days48 monthshttps://www.piedmontbusinesscapital.org/0-interest-loan
North CarolinaRaleighRaleigh Small Business COVID-19 Relief FundsCity of Raleigh, Carolina Small Business Development Fund (CSBDF)Closed10,0002,500,00049N/AN/AN/ABusiness must have a storefront and have experienced at least a 25% decline in revenues.https://carolinasmallbusiness.org/initiatives/raleighcovid19/
North CarolinaWilkesSmall Business Recovery ProgramWilkes Economic Development CorporationOpen2,00015 (min. of 2)N/AN/AN/AMonthly payments of $500 to help cover rent, mortgage, and utility payments.http://wilkesedc-6093232.hs-sites.com/smallbusinessrecovery
North CarolinaWilkesBusiness Marketing ProgramWilkes Economic Development CorporationOpen50015N/AN/AN/ATo help build a website. http://wilkesedc-6093232.hs-sites.com/marketingassistanceprogram
North CarolinaWinston-SalemCOVID-19 GrantsGreater Winston-Salem Inc., Downtown Winston-Salem Partnership Closed5,0004+N/AN/AN/AGrants of up to $2,500 for businesses with 1 to 3 employees or up to $5,000 for those with 4+.https://www.winstonsalem.com/grants/
North DakotaNDOF Disaster Loan Program North Dakota Opportunity Fund (NDOF) Steering CommitteeOpen50,0000.04Payments and interest deferred for 6 monthsUp to 5 yearshttps://lcdgroup.org/north-dakota-opportunity-fund-announces-disaster-assistance-loans-for-small-businesses-impacted-by-coronavirus-pandemic/
North DakotaSmall Employer Loan Fund (SELF)Bank of North DakotaCloses November 3050,000,00050,000100.01Principal and interest payments are deferred for the first six months. 120 months6 months of operating expenses up to $50,000https://bnd.nd.gov/business/small-employer-loan-fund/#1588352214370-d1f73b2e-8fea
OhioCincinnatiMinority Business Emergency Assistance FundGreater Cincinnati, Northern Kentucky African American Chamber of Commerce, MortarClosed47,000 (aim to raise 100,000)5,000500,000106 monthsN/AN/AN/Ahttps://www.mightycause.com/organization/Saveourbusinesses
OhioCuyahoga CountySmall Business Stabilization Fund - GrantsCuyahoga CountyClosed500,0002,5005,0001,000,000201 yearN/AN/AN/ABusinesses must have experienced over 50% of revenue disruption.https://cuyahogacounty.us/development/businesses/small-business-stabilization-fund
OhioCuyahoga CountySmall Business Stabilization Fund - LoansCuyahoga CountyClosed5,00010,0005001 yearFor businesses with up to 100 employees, loans start at $5,000. For those with 101 to 500 employees, loans start at $10,000.https://cuyahogacounty.us/development/businesses/small-business-stabilization-fund
OhioKetteringBusiness Assistance Program (COVID-19 Emergency Loan Program)City of KetteringOpen5,000250Payments deferred for the first 12 months3 yearEligible businesses are retail, wholesale, service, entertainment, and restaurant/bar. If businesses can retain at least one low- or moderate-income employee for the first 3 months after receiving funds, the loan will be completely forgiven.https://storage.googleapis.com/proudcity/ketteringoh/uploads/2020/04/COVID-19-business-assistance-Finalv3.pdf
OhioLake CountyMicroenterprise Emergency Relief Grant ProgramLake CountyOpen700,0005,0005N/AN/AN/ALow-to-moderate income (LMI) ownership, or 51% of employees from LMIhttps://lakecounty-erlf.webflow.io/
OhioLake CountyEmergency Working Capital Loan ProgramLake CountyOpenInc. above20,0002505 yearsPrincipal reductions of 20%, 15%, 10%, or 5% if paid off during year 1, 2, 3, or 4, respectively.https://lakecounty-erlf.webflow.io/
OhioLakewoodSmall Business Rent Relief FundCity of Lakewood Economic Development FundClosed3,00050N/AN/AN/AMust have a commercial or retail storefront. http://www.onelakewood.com/wp-content/uploads/2020/03/RentReliefGrantv2.pdf
OhioMiddletownCoronavirus Emergency FundMiddletown Community FoundationClosed50,000N/AN/AN/Ahttp://www.mcfoundation.org/
OhioNortheast OhioCOVID-19 Emergency LoanHFLA of Northeast OhioOpen1,5000https://interestfree.org/#
OhioNorwalkSmall Business Stabilization GrantsNorwalk Economic Development CorporationClosed2,000156 monthsN/AN/AN/Ahttp://www.norwalknedc.com/employer-resources-covid-19/
OhioSeneca CountyCommunity Grant for MarketingOgden NewspapersClosed1,000,00020015,000N/AN/AN/ATo be used for paid advertising.https://www.ogdennews.com/community-grant
OhioSouth EuclidSouth Euclid COVID-19 Emergency Business Relief FundCity of South Euclid and One South Euclid Community Development Corporation LaunchClosed120,0005,000N/AN/AN/Ahttps://www.onesoutheuclid.org/wp-content/uploads/2020/04/Media-Advisory-COVID-Emergency-Small-Business-Relief-Fund.pdf
OhioStark CountyFaith in StarkVarious businesses Closed150,0005,00010N/AN/AN/Ahttps://faithinstark.org/apply/
OklahomaOklahoma CitySmall Business Incentive ProgramCity of Oklahoma City Closed5,500,00010,000151 yearN/AN/AN/AFor payroll expenses of retained employees. Businesses must be able to demonstrate at least a 50% drop in revenue between March 16 and April 15 (compared to same period in 2019).https://www.okcsmallbizhelp.com/
OklahomaOklahoma CitySmall Business No-Interest Forgivable Loan ProgramCity of Oklahoma City ClosedInc. in above50,000501 year03-year write-down10 yearsFor payroll expenses. Businesses must be able to demonstrate at least a 50% drop in revenue between March 16 and April 15 (compared to same period in 2019).https://www.okcsmallbizhelp.com/
OklahomaOklahoma CitySmall Business Low-Interest Loan ProgramCity of Oklahoma City ClosedInc. in above100,000501 year0.0210 yearsFor payroll and some operational expenses, i.e. utilities and rent. Businesses must be able to demonstrate at least a 50% drop in revenue between March 16 and April 15 (compared to same period in 2019).https://www.okcsmallbizhelp.com/
OklahomaStephens CountyDAEDF Business Re-Start ProgramDuncan Area Economic Development FoundationClosed5,000N/AN/AN/Ahttp://ok-duncan.com/about_duncan/DAEDF_ReStart?fbclid=IwAR3lmc3r1nyi5-oCmz69hp12jy45NY9a9rITvwUNLkznG8_P6xwVJJl_qjA
OregonCCD COVID-19 Loan ProgramCCD Business Development CorporationOpen1,00015,0002 years0.04Payments deferred for 3 months5 years1% loan feehttps://www.ccdbusiness.org/ccd-covid-19-loan-program/
OregonAlbanyCity of Albany Emergency Business LoanCommunity LendingWorksClosed5,00015,0000.02No payments for first 6 months, followed by interest-only payments for 6 monthsUp to 60 monthsBusinesses must have already applied for state or federal assistance. https://communitylendingworks.org/albany/
OregonBeavertonEmergency Business Assistance ProgramCity of BeavertonClosed2,50025N/AN/AN/Ahttps://www.beavertonoregon.gov/EmergencyBizAssistance
OregonBenton CountyEmergency Business LoanCorvallis-Benton County Economic Development Office, Community Lending WorksClosed150,0005,00010,000400.02No payments for first 6 months, followed by interest-only payments for 6 months60 monthshttps://communitylendingworks.org/benton-county/
OregonCentral OregonCentral Oregon Emergency Business LoanCommunity LendingWorksClosed20,0000.025No payments for first 6 months, followed by interest-only payments for 6 monthsUp to 60 monthsCrook & Jefferson Counties: $5,000-$20,000. Deschutes County: up to $10,000https://communitylendingworks.org/central-oregon/
OregonGreshamSmall Business Emergency Grant Program City of GreshamClosed400,00010,000N/AN/AN/A$1,000 per employee to a maximum of $10,000. Priority given to woman-, minority-, or veteran-owned businesses. https://greshamoregon.gov/Small-Business-Grants/
OregonHillsboroSmall Business Emergency Relief ProgramCity of HillsboroClosed1,0003,000N/AN/AN/APriority given to those businesses who have been impacted by executive orders.https://www.hillsboro-oregon.gov/our-city/covid-19/business-resources
OregonKeizerCOVID-19 Small Business AssistanceKeizer City CouncilClosed45,0002,50014Before April 30, 2019N/AN/AN/Ahttps://www.keizer.org/Covid19SmallBusinessAssistance
OregonLane CountyLane County Emergency Business LoanCommunity LendingWorksClosed5,00030,00019https://communitylendingworks.org/city-of-yachats/
OregonMilwaukieBusiness Relief FundCity of MilwaukieClosed5,00010N/AN/AN/APriority is given to women-, person of color, or veteran-owned businesses.https://www.milwaukieoregon.gov/economicdevelopment/business-relief-fund
OregonPendletonPendleton Retail and Hospitality Relief ProgramPendleton Development CommissionClosed100,0002,00020N/AN/AN/Ahttps://www.eastoregonian.com/coronavirus/pendleton-covid-19-business-assistance-program-closes-thursday/article_4e84d466-8350-11ea-97fe-f31a0ebca66c.html
OregonPortlandSmall Business Relief Fund GrantProsper PortlandClosed1,000,0002,00010,000N/AN/AN/ABusinesses must have at least a 25% reduction in revenue.https://prosperportland.us/portfolio-items/portland-small-business-relief-fund/
OregonPortlandSmall Business Relief Fund LoanProsper PortlandClosedInc. in above50,0005,000,00050Before July 1, 20190Payments deferred for 12 months4 or 6 yearsBusinesses must have at least a 25% reduction in revenue or be a public-facing business.https://prosperportland.us/portfolio-items/portland-small-business-relief-fund/
OregonPortland - Jade District or Old Town ChinatownJade District-Oldtown COVID-19 Small Business Response FundAsian Pacific American Network of Oregon (APANO)Closed190,000N/AN/AN/APriority given to Asian and Pacific Islander business owners.https://www.apano.org/jade-district-covid-19-small-business-response-fund/
OregonSherwoodSmall Business Emergency Relief ProgramCity of SherwoodClosed100,0002,500https://www.sherwoodoregon.gov/economicdevelopment/page/sherwood-mayor-announces-emergency-relief-program-businesses
OregonSouth Central OregonEconomic Relief Loan Fund for Small Businesses
South Central Oregon Economic Development DistrictOpen10,000100.05Payments deferred for 90 days60 monthshttps://secureservercdn.net/198.71.233.254/d77.686.myftpupload.com/wp-content/uploads/2016/10/SCOEDD-Economic-Relief-Loan-Fund.pdf
OregonTigardTigard CARES ProgramCity of Tigard, Micro Enterprise Solutions of Oregon (MESO)Closed1,500N/AN/AN/AWomen- and minority-owned businesses prioritized.https://www.engage.tigard-or.gov/CARES
OregonTualatinEconomic Stabilization FundCity of TualatinClosed250,00010,00055N/AN/AN/ABusiness must have a storefronthttps://www.tualatinoregon.gov/economicdevelopment/city-tualatin-launches-economic-stabilization-fund
OregonUmatilla CountyUmatilla County Small Business Emergency GrantUmatilla CountyClosed1,00025N/AN/AN/Ahttp://umatillacounty.net/grants/
OregonWilsonvilleSmall Business COVID-19 Relief Grants ProgramCity of WilsonvilleClosed400,0001,00010,00020N/AN/AN/A$1,000 for home-based businesses, $2,000 for bricks-and-mortar businesses with 5 or fewer employees, $4,000 for bricks-and-mortar businesses with 6 to 20 employees, and $10,000 for local hotels.https://www.ci.wilsonville.or.us/economic/page/wilsonville-small-business-covid-19-relief-grants-program
OregonYachatsCity of Yachats Emergency Business LoanCommunity LendingWorksOpen4,0000.02No payments or interest for first 12 monthsUp to 48 monthshttps://communitylendingworks.org/city-of-yachats/
PennsylvaniaCOVID-19 Working Capital Access ProgramDepartment of Community and Economic DevelopmentClosed60,000,000100,0001000% (or 2% for agricultural producers)Payments deferred for first 12 months3 yearsBusinesses must be within retail, service, or agricultural production sectors. Second round of funding announced with a further $40 million. https://dced.pa.gov/programs/covid-19-working-capital-access-program-cwca/
PennsylvaniaChester CountyMain Street Preservation ProgramChester CountyClosed5,000,00025,000500,000Since 2019N/AN/AN/Ahttps://ccedcpa.com/mainstreet/
PennsylvaniaGreater EastonSupport Easton Small Business Relief FundGreater Easton Development Partnership, Department of Community and Economic DevelopmentClosed300,00010,0000https://supporteaston.com/relief-fund/
PennsylvaniaErieSmall Business Emergency Relief Grant ProgramCity of ErieClosed300,0005,00010,00011+N/AN/AN/AGrants of $5,000 for businesses with 2 to 10 employees, and $10,000 for those with 11 or more. https://www.erieco.gov/1706/COVID-19-and-Small-Businesses
PennsylvaniaHarrisburgNeighborhood Business Stabilization ProgramCity of HarrisburgClosed10,0001,000,000N/AN/AN/ABusinesses must be able to demonstrate a monthly revenue loss of at least 25%.https://forms.office.com/Pages/ResponsePage.aspx?id=_L6cyaWGHEGmrN1hcocEqQ8eefeQMXBIuz3AEApEub5UNEFYOERXUkpRUkVZRjVETEJWOVhOMVZPWS4u
PennsylvaniaKennettCommunity Relief FundKennett Borough and Kennett TownshipOpen500,00010,0002 years+ (prioritized)0.03No principal or interest payments for first 12 months3 yearsLoan can be paid off after first year or amortized at rates shown.http://historickennettsquare.com/kennett-grant-and-loan-programs/
PennsylvaniaKennettHistoric Kennett Square Small Business Response FundHistoric Kennett Square Closes June 12 (first round)10,000N/AN/AN/AFor customer-facing businesses.http://historickennettsquare.com/kennett-grant-and-loan-programs/
PennsylvaniaMontgomery CountyMontcoStrong Small Business Grant ProgramMontgomery CountyClosed1,000,00025,00050N/AN/AN/Ahttps://www.montcopa.org/3508/MontcoStrong-Small-Business-Grant-Progra
PennsylvaniaPhiladelphiaPhiladelphia COVID-19 Small Business Relief Fund - Microenterprise GrantCity of PhiladelphiaClosed5,000500,0001 yearN/AN/AN/Ahttps://www.phila.gov/programs/philadelphia-covid-19-small-business-relief-fund/application-for-relief-programs/
PennsylvaniaPhiladelphiaPhiladelphia COVID-19 Small Business Relief Fund - Small Biz GrantCity of PhiladelphiaClosed25,0003,000,000 (min. 500,000)1 yearN/AN/AN/Ahttps://www.phila.gov/programs/philadelphia-covid-19-small-business-relief-fund/application-for-relief-programs/
PennsylvaniaPhiladelphiaPhiladelphia COVID-19 Small Business Relief Fund - Small Biz Zero-Interest LoanCity of PhiladelphiaClosed25,000100,0005,000,000 (min. 3,000,000)1 year0https://www.phila.gov/programs/philadelphia-covid-19-small-business-relief-fund/application-for-relief-programs/
PennsylvaniaPittsburghCOVID-19 Small Business Emergency Loan Fund (ELF) Pittsburgh Urban Redevelopment AuthorityOpen2,500,00015,0000Payments deferred for first 6 months3 yearshttps://www.ura.org/pages/covid-19
PennsylvaniaWilkes-BarreSmall Business Emergency Relief Loan ProgramCity of Wilkes-BarreClosed3,000501 yearEligible businesses are those that won't open until the county reaches the green phase.https://www.wilkes-barre.city/emergencysmallbusinessloan
PennsylvaniaWilkes-BarreRestaurant Emergency Relief Loan ProgramCity of Wilkes-BarreClosed300,0007,50001 yearhttps://www.wilkes-barre.city/home/news/city-wilkes-barre-announces-emergency-relief-loan-program
Rhode IslandArtist Relief FundRhode Island State Council on the ArtsClosed200,0001,000N/AN/AN/Ahttps://risca.online/grants/artistrelieffund/
Rhode IslandMicroenterprise Stabilization Grant ProgramRhode Island CommerceOpen5,0005N/AN/AN/AParticipating towns: Barrington, Bristol, Central Falls, Cumberland, Hopkinton, Middletown, Newport, North Providence, North Smithfield, Smithfield, South Kingstown, Warren, West Warwick, and Westerley. Business owner’s total household income should be 80% or less than the area’s median income, based on family size. https://commerceri.com/emergency-grants-and-funding/
Rhode IslandCOVID-19 Emergency Bridge Loan ProgramLISC, Rhode Island Commerce CorporationOpen2,000,0005,000100For restaurants and food services or small businesses with 1 to 10 employees that have been affected by COVID-19. Businesses must have applied for an SBA EIDL. https://www.surveymonkey.com/r/RILISC
Rhode IslandEast ProvidenceCOVID-19 Small Business Job Retention Loan ProgramEast Providence Economic DevelopmentOpen5,00050Repayments start after 6 months3 yearshttps://www.eastprovidencebusiness.com/sites/eastprovidenceedc/files/pages/pr_covid_19_job_retention_loan_3_1.pdf
Rhode IslandEast ProvidenceCovid -19 Small Business Assistance Loan ProgramEast Providence Economic DevelopmentOpen1,0005,000100.02Repayments start after 6 months3 yearsMust have at least 5 employees.https://www.eastprovidencebusiness.com/sites/eastprovidenceedc/files/pages/pr_covid_19_small_biz_assistance_loan_3_1.pdf
Rhode IslandPawtucketCOVID-19 Emergency Loan ProgramBusiness Development CorporationOpen10,000250.02Payments deferred for first 12 months3 yearsRetail, wholesale, service, entertainment, restaurant/bar businesses are eligible. Businesses must have experienced at least a 30% drop in revenue.http://www.pawtucketri.com/sites/default/files/uploads/COVID-19%20Small%20Business%20Emergency%20Loan%20Application%20March%2027%202020%205%20PM%20fill.pdf
Rhode IslandProvidenceEmergency LoansProvidence Business Loan FundOpen10,000100,0003 yearsNo payments or interest until 20215 to 7 yearshttps://providencebusinessloanfund.com/
South CarolinaAikenCOVID-19 Disaster Aid for Small BusinessesAiken Chamber of Commerce, The Aiken Corp., Security Federal BankOpen1,000,00010,000250.02Repayment deferred for first 6 monthsBusinesses must have a bricks-and-mortar presence. https://cityofaikendeptofeconomicdevelopment.setmore.com/
South CarolinaColumbiaSmall Business Stabilization Forgivable Loan ProgramCity of ColumbiaClosed1,400,0008,0001000https://www.columbiasc.net/headlines/03-27-2020/sbsl-guidelines-and-application
South CarolinaRichland CountyPandemic Relief Grant ProgramRichland CountyOpen1,000,00010,000501 yearBusinesses must be able to demonstrate at least a 50% drop in revenue.https://zoomgrants.com/gprop2.asp?donorid=2236
South DakotaSmall Business Relief FundGovernor’s Office of Economic DevelopmentClosed5,00075,000249Before March 20200Repayment deferred for first 6 months60 monthsMaximum of 3 months operating expenses (up to $75,000)https://sdgoed.com/covid-19/
TennesseeChattanoogaCOVID-19 Mitigation GrantsCity of ChattanoogaClosed500,0002,0005,000501 year (in a commercial space)N/AN/AN/ATo help businesses with payroll, rent, and general expenses. Businesses with 1 to 4 employees can get grants of $2,000, those with 5 or more can get $5,000. https://connect.chattanooga.gov/covid-small-business-stabilization-fund/
TennesseeChattanoogaCOVID-19 Bridge LoansCity of ChattanoogaClosed900,00025,000501 year (in a commercial space)0Repayment deferred for first 12 monthsFor businesses who need help with working capital and employee retention.https://connect.chattanooga.gov/covid-small-business-stabilization-fund/
TennesseeChattanoogaCOVID-19 HUD 108 LoansCity of ChattanoogaClosed1,000,00025,000100,0000Repayment deferred for first 6 monthsFor businesses in low-income census tracts or to be used as an incentive to hire and retain employees whose area median income is 80% or below.https://connect.chattanooga.gov/covid-small-business-stabilization-fund/
TennesseeMemphisEconomic Hardship Emergency Loan Fund City of MemphisOpen2,0005,0001,000,0003 yearshttps://covid19.memphistn.gov/resources/small-businesses/
TennesseeMemphisSmall Business Resiliency Loan FundCity of MemphisOpen5,00035,0003 yearsRepayment deferred for first 90 daysMust have been denied by the SBA or an SBA lender.https://covid19.memphistn.gov/resources/small-businesses/
TennesseeMemphisNeighborhood Emergency Economic Development (NEED)City of MemphisOpen1,000,0005,00010,0001,000,000Before March 1, 2019N/AN/AN/ABusinesses must have suffered at least a 25% reduction in revenue.https://covid19.memphistn.gov/resources/small-businesses/
TennesseeTullahomaSmall Business Revolving Loan ProgramCity of TullahomaOpen5,00015,0001,000,000504% below daily prime rate (to a low of 1%)Up to 5 years$25 loan origination fee required as well as payment for a credit check and UCC filing and release fees, and attorney closing fees.http://www.tullahomatn.gov/wp-content/uploads/2016/04/USDA-loan-app-Rev-041116-original.pdf
TexasBastropCOVID-19 Relief GrantsBastrop Economic Development CorporationClosed185,0007509,500N/AN/AN/Ahttps://bastropedc.org/covid-19-relief-grants
TexasBexar CountySmall Business Loan ProgramBexar County, LiftFundClosed5,250,00025,0001,000,000100Up to 36 monthsBusinesses must have suffered at least a 15% reduction in revenue.https://www.liftfund.com/bexar-county-disaster-relief-loan-program/
TexasBoerneBoerne Strong Stimulus ProgramCity of BoerneClosed305,0007,500502 yearsN/AN/AN/AGrants of up to $2,500, $5,000, or $7,500 available for businesses with 1-10, 11-25, or 26-50 employees, respectively.http://boerne-tx.gov/1840/Boerne-Strong-Stimulus-Program
TexasBonhamEmergency Assistance Grant ProgramBonham Economic Development CorporationClosed38,5002,00025N/AN/AN/Ahttps://bonhambedco.com/wp-content/uploads/2020/04/Small-Business-Emergency-Assistance-Form-4_22_20.pdf
TexasBrenhamSmall Business Relief Assistance Grant ProgramMain Street BrenhamClosed8,500500N/AN/AN/Ahttp://www.brenhambanner.com/news/downtown-businesses-get-small-stimulus-from-main-street-board/article_f687f04c-b308-58a7-83d1-290a713efe07.html
TexasBudaStill Budaful Stimulus ProgramBuda City Council, Buda Economic Development CorporationSecond round opens June 3630,0005,00050N/AN/AN/Ahttps://www.ci.buda.tx.us/665/Still-Budaful-Stimulus
TexasCity of Waco and McLennan CountySmall Business Emergency Recovery FundWaco City Council and McLennan County CommissionersClosed830,0005,00010N/AN/AN/Ahttps://covidwaco.com/small-business-grant-program/
TexasCorpus ChristiCorpus Christi Disaster Relief Loan ProgramCity of Corpus Christi, LiftFundOpen25,0001,500,0000Up to 36 monthsBusinesses must have suffered at least a 15% reduction in revenue.https://www.liftfund.com/corpus-christi-disaster-relief-loan-program/
TexasDallasSmall Business Continuity FundCity of DallasClosed5,000,00010,00050,00050N/AN/AN/ABusinesses must have suffered at least a 25% reduction in revenue.https://www.dallasecodev.org/565/Small-Business-Continuity-Fund
TexasDallas CountySmall Business Forgivable LoansDallas CountyOpening Soon5,000,00015,000For businesses who haven't received federal funding.https://www.fox4news.com/news/dallas-county-starting-program-to-help-homeowners-renters-small-businesses-during-covid-19-pandemic
TexasEl PasoSmall Business Emergency Relief Program - GrantCity and County of El Paso, LiftFundClosed1,700,0005,0001,000,0005Prior to August 19, 2019N/AN/AN/Ahttp://www.epcounty.com/documents/Lift%20Fund%20and%20El%20Paso%20COunty%202.0.pdf
TexasEl PasoSmall Business Emergency Relief Program - LoanCity and County of El Paso, LiftFundClosedInc. in above25,0001,000,00010Prior to August 19, 20190http://www.epcounty.com/documents/Lift%20Fund%20and%20El%20Paso%20COunty%202.0.pdf
TexasFort WorthBusiness Resiliency Microloan ProgramCity of Fort Worth, PeopleFundOpen850,00050,0005000.05No payments and 0% interest for first 6 months78 monthsLow to moderate income and/or minority-owned businesses prioritized. Loans may be used to cover bills, payroll, or pay fixed debts.http://fortworthtexas.gov/COVID-19/business-resources/loans-and-grants/
TexasForth WorthPreserve the Fort Small Business GrantsCity of Fort Worth, United Way of Tarrant CountyCloses June 810,000,0005,00050,000250Since September 1, 2019N/AN/AN/A$2.5 million for supporting minority-owned businesses, and another $2.5 million for businesses in Neighborhood Empowerment Zones and Designated Investment Zones. Grants of $5,000, $7,500, $10,000, or $50,000 for businesses with 5, 6-25, 26-50, 51-250 employees, respectively.http://fortworthtexas.gov/preserve-the-fort/
TexasGeorgetownSmall Business Support and Recovery GrantCity of GeorgetownClosed5,000N/AN/AN/Ahttps://georgetownchamber.org/wp-content/uploads/2020/04/Georgetown-COVID-19-Business-Assistance-Grant-Application-2.pdf
TexasHarris CountyCOVID-19 Forgivable Loan ProgramHarris CountyClosed10,000,00025,0005,000,000 (net income)Prior to January 1, 201905 yearshttps://www.hgaldc.com/harris-county-loan/default.aspx
TexasPflugervillePflugerville Pfund - A Small Business Emergency Grant ProgramPflugerville Chamber of CommerceOpen5,00050N/AN/AN/Ahttps://www.pfchamber.com/pflugerville-pfund
TexasRound RockRound Rock Cares Small Business Relief ProgramCity of Round Rock, the Greater Round Rock Community Foundation, the Round Rock Chamber, and Dell Technologies Closed400,000N/AN/AN/Ahttps://rrcommunityfoundation.org/project/round-rock-cares/
TexasRowlettRowlett Business Stimulus (ROBUST) GrantRowlett CityClosed10,000206 monthsN/AN/AN/AUp to $5,000 for lease or mortgage assistance or up to $10,000 for payroll assistance.http://rowlettready.com/ROBUST/
TexasRoyseDisaster Relief Fund ProgramRoyse CityOpen300,00015000 (but multiple requests to 25,000 can be made)0Payments deferred for first 180 days24 monthsFor non-essential businesses, $1,500 per week available for full-time employees and $750 for part-time employees. For essential businesses that are closed, $1,250 per week available for full-time employees and $500 for part-time employees. For essential businesses that are still open, $750 per week available for full-time employees and $300 for part-time employees. Employers who retain 50% of the workforce (at least) will have their entire principal balance forgiven. http://www.roysecitycdc.org/
TexasSan DiegoSmall Business Relief PackageCity of San DiegoClosed6,100,00010,00020,0001006 monthsGrants, forgivable loans or low-interest loans.https://www.sandiego.gov/economic-development/resources/relief
TexasSeguinSeguin Strong Stimulus ProgramSeguin Main Street Program, Seguin Economic Development CorporationClosed250,0005,00075https://info.seguinedc.com/sssp
TexasWaco, McLennan CountySmall Business Emergency Recovery FundCity of Waco, McLennan CountyClosed830,0005,000N/AN/AN/Ahttps://covidwaco.com/
TexasWashington CountyCOVID-19 Response Fund City of Brenham Community Projects Fund, Inc.Open15,0005003,000N/AN/AN/AOngoing fundraising.https://www.cityofbrenham.org/news_detail_T5_R163.php
TexasWylieSmall Business Assistance ProgramCity of WylieOpen301,0005,000506 monthsN/AN/AN/ASole proprietors eligible for grants up to $1,500, businesses with 25 or fewer employees or 26 to 50 employees up to $5,000. https://www.wylietexas.gov/operations3/emergency_management/business_resources.php
TexasAssistHer Emergency Relief GrantTexas Woman's UniversityClosed10,000N/AN/AN/ABusinesses must be majority women-owned (51%+).https://twu.edu/center-women-entrepreneurs/assisther-emergency-relief-grant/
TexasTexas Small Business Emergency Micro-grant Source (TSBEMS)Texas Black ExpoOpen1001,0002 yearsN/AN/AN/Ahttp://texasblackexpo.com/tsbems/
TexasTX Restaurant Relief FundTexas Restaurant AssociationClosedTrying to raise 10,000,0005,000N/AN/AN/Ahttps://mailchi.mp/txrestaurant.org/txrestaurantrelieffund
UtahUtah Leads Together Small Business Bridge LoanGovernor’s Office of Economic DevelopmentClosed11,000,0005,00020,000500Up to 60 monthshttps://business.utah.gov/utah-leads-together-small-business-bridge-loan-program/
UtahSalt Lake CitySalt Lake City Emergency Loan Program for BusinessesSalt Lake CityClosed1,000,00020,0000Payments deferred for approximately 90 days5 yearshttps://www.slc.gov/ed/elploan/
UtahOgdenEmergency Loan FundOgden Business DevelopmentOpen10,0000Payments deferred for up to 12 months10 yearshttps://www.ogdencity.com/1458/Business-Information-Center
VermontRestart Vermont Emergency Action GrantsGovernment of VermontOpen150,000,0002,500,000N/AN/AN/AFor food and accommodation services, retail and agriculture businesses that were severely impacted by closure or business disruption.https://accd.vermont.gov/covid-19/vermont-economic-recovery-and-relief-package
VermontVermont Economic Injury Disaster Loan and Grant ProgramGovernment of VermontOpen80,000,000150,0000.02Interest deferred for first 12 months20 yearsApplicants will be eligible for a grant that may be used to cover three months of fixed costs incurred during closure or partial shutdown due to COVID-19.https://accd.vermont.gov/covid-19/vermont-economic-recovery-and-relief-package
VermontVermont Restart Loan and Grant ProgramGovernment of VermontOpen20,000,00020,0001,000,000405 yearsApplicants can also apply for grants of up to $15,000.https://accd.vermont.gov/covid-19/vermont-economic-recovery-and-relief-package
VermontRestart Vermont Recovery GuidesGovernment of VermontOpen4,750,000N/AN/AN/AN/AN/ADelivery of technical assistance in the form of operational expertise, digital strategy, architecture, technology/software consultancy, legal/turnaround experience/advice.https://accd.vermont.gov/covid-19/vermont-economic-recovery-and-relief-package
VermontRutlandMicro Business Emergency Loan ProvisionCity of RutlandClosed130,0005,00010,0009http://rutlandvtbusiness.com/current-initiatives/business-incentive-assistance-program/micro-business-emergency-loan-provision/
VirginiaVA 30-Day FundVA 30-Day FundOpen3,00030 (min. of 3)1 yearN/AN/AN/Ahttps://va30dayfund.com/
VirginiaAmherstCOVID-19 GrantAmherst County Economic Development Authority Open25,0001,000N/AN/AN/Ahttps://amherstvabusiness.com/covid-19-resources/
VirginiaArlington CountyArlington Small Business Emergency GRANT (Giving Resiliency Assets Near Term) Program Arlington Economic DevelopmentClosed1,000,00010,00049N/AN/AN/Ahttps://www.arlingtoneconomicdevelopment.com/covid-19/grant-information/
VirginiaArlington County and Alexandria CityEmergency Layoff Aversion Assistance ProgramAlexandria/Arlington Regional Workforce CouncilClosed87,6197,500250N/AN/AN/Ahttps://workforcecouncil.arlingtonva.us/covid19/
VirginiaBay ConsortiumWorkforce Innovation and Opportunity Act Rapid Response FundingBay Consortium Workforce BoardClosed87,3145,000250N/AN/AN/Ahttps://spotsylvania.va.us/1732/Rapid-Response-Funding
VirginiaBedfordSmall Business Support Program - COVID-19 Grant for Brick and Mortar BusinessesTown of BedfordClosed150,0005,0006 months (prior to March 1, 2020)N/AN/AN/ABusinesses must have noted at least a 25% reduction in sales.https://www.betterinbedford.com/grant
VirginiaBristolEmergency Loan Program (ELP)People, Inc.Open5,0002 years (tax returns)0Payments deferred for 6 monthshttps://www.believeinbristol.org/uploads/files/downtown-bristol-redevelopment-loan-fund-to-serve-as-emergency-loan-fund_pressrelease_20200402.pdf
VirginiaCharlottesville and Albemarle CountyBusiness Recovery FundCommunity Investment Collaborative, City of Charlottesville, Albemarle CountyClosed300,00010,0000.01Payments deferred for 6 months3 years100% of prior year expenses (up to $10,000)https://cicville.org/business-recovery-fund/
VirginiaDanvilleSmall Business Emergency Loan ProgramCity of Danville, Danville Industrial Development AuthorityClosed300,0005,00020,000753% to 5%0% interest for the first year3 to 5 yearsBusinesses must be able to show that sales have decreased by 25%.https://www.discoverdanville.com/wp-content/uploads/2020/04/PROGRAM_FINAL_AutoFill.pdf
VirginiaDanvilleSmall Business Rent Relief GrantCity of Danville, Danville Industrial Development AuthorityClosed75,0003,00075N/AN/AN/AMust have a storefront. https://www.discoverdanville.com/wp-content/uploads/2020/04/SBRRG-Description.pdf
VirginiaDanvilleMarketing and eCommerce Matching GrantCity of Danville, Danville Industrial Development AuthorityClosed75,00050075N/AN/AN/Ahttps://www.discoverdanville.com/wp-content/uploads/2020/04/MEMG-Description.pdf
VirginiaDickenson CountyIDA Local COVID-19 Stimulus Loan ProgramDickenson County IDAOpen2,5000Payments deferred for 6 monthsUp to 48 monthsFunds must be used for employee retention and can also be used for operational expenses. https://www.dickensonva.org/CivicAlerts.aspx?aid=265&utm_source=dlvr.it&utm_medium=facebook
VirginiaFairfax CountySmall Business COVID-19 Recovery FundFairfax CountyClosed2,500,00020,000492 years0Payments deferred for 6 monthshttps://www.fairfaxcounty.gov/economic-success/county-small-business-covid-19-recovery-fund
VirginiaFairfax CountyFairfax Relief Initiative to Support Employers (Fairfax RISE)Fairfax CountyOpening June 8 - 1525,000,00010,00020,000491 yearN/AN/AN/AGrants of $10,000, $15,000, or $20,000 to businesses with 1-10, 11-25, or 26-49 employees, respectively.https://ilsr.org/information-on-covid-19-small-business-assistance-programs/
VirginiaFauquier CountyEmergency Micro LoansFauquier County Economic Development AuthorityOpen5,0000.03Payments deferred for 6 months, followed by interest-only payments for 1 year2 yearshttps://www.fauquiercounty.gov/government/departments-a-g/economic-development/programs-information
VirginiaFauquier CountyEmergency Assistance GrantFauquier County Economic Development AuthorityOpen2,500N/AN/AN/ABusinesses with 25 or fewer employees will be prioritized.https://www.fauquiercounty.gov/government/departments-a-g/economic-development/programs-information
VirginiaFredericksburgCOVID-19 Business GrantsFredericksburg Economic Development Authority (EDA) Closed200,000N/AN/AN/Ahttps://blog.fredericksburgva.com/fredericksburg-eda-approves-200000-in-business-grants/
VirginiaGoochland CountyE-commerce Grant ProgramGoochland County Economic Development Authority and the Office of Economic DevelopmentOpen10,000500N/AN/AN/Ahttp://www.goochlandforbusiness.com/173/Incentives
VirginiaHampton Roads (including Greater Peninsula)COVID-19 Funding Assistance for Small BusinessHampton Roads Workforce Council, Greater Peninsula Workforce BoardOpen289,0002,000250Priority given to businesses that are delivering essential services to the community or are still open (with alternative arrangements or reduced hours).https://www.vcwhamptonroads.org/covid-19-small-business-funding-assistance/
VirginiaLoudoun CountyCOVID-19 Business Interruption ProgramLoudoun Economic Development AuthorityClosed1,400,00010,0002,500,000100N/AN/AN/ABusinesses must be able to demonstrate at least a 25% drop in revenue.https://biz.loudoun.gov/loudoun-business-fund/
VirginiaLoudoun CountyAgriculture-Based Business FundLoudoun Economic Development AuthorityClosed185,0005,0002,500,0002N/AN/AN/Ahttps://biz.loudoun.gov/loudoun-business-fund/
VirginiaMarionCOVID-19 Stimulus Loan ProgramTown of MarionClosed50,0002,50090.020% interest if paid after 120 dayshttp://www.marionva.org/blog/stimulus-loan-program
VirginiaNorfolkBusiness Loan Product for COVID-19 City of Norfolk Department of Economic Development Closed10,00035,0006-month libor rate plus 2%3 to 5 yearshttps://capitalaccessprogram.smapply.co/prog/city_of_norfolk_economic_disaster_assistance_loan_/
VirginiaNorthern VirginiaRapid Response COVID-19 Business Support GrantsSkillsource Group, Inc., Northern VirginiaClosed25,000250N/AN/AN/Ahttps://vcwnorthern.com/covid19-rapid-response/
VirginiaOrangeCOVID-19 Grant ProgramOrange Downtown AllianceClosed10,0001,000N/AN/AN/Ahttps://www.dailyprogress.com/orangenews/oda-accepting-applications-for-covid-19-grants-through-may-8/article_996d5832-8fca-11ea-9040-a3c10baf8484.html
VirginiaRichmondSmall Business Disaster Loan Program City of RichmondOpen20,000242 years0Payments deferred for 6 months48 monthshttp://www.richmondgov.com/PressSecretaryMayor/robocopy/documents/Guidelines_RSBDL.pdf
VirginiaShenandoah ValleyVirginia Rapid Response COVID-19 Business Support InitiativeShenandoah Valley Workforce Development BoardClosed93,0005,000250N/AN/AN/Ahttps://vcwvalley.com/virginia-rapid-response-covid-19-business-support-initiative/
VirginiaSouth BostonSmall Business Emergency Loan FundTown of South Boston, Destination Downtown South BostonOpen250,0005,000300Payments deferred for 6 months36 monthshttps://downtownsobo.com/site/small-business-loan-application/
VirginiaStafford CountyStafford CV19 Micro Loan FundStafford County Economic Development Authority Closed5,00015,0002,000,000 (net profits)490.02Payments deferred for 6 months36 monthsf the loan is paid back within 24 months, interest payments will be forgiven and rebated.https://gostaffordva.com/wp-content/uploads/2020/04/COVID-19-Loan-Fund-Guidelines-Final.pdf
VirginiaStafford CountyStafford Small Business Coronavirus Disaster Assistance Grant FundStafford County Economic Development Authority Closed450,0002,0007,500501 year (prior to February 2020)N/AN/AN/ABusiness with 1 to 5 employees receive $2,000, with 5 to 20 get $5,000, and those with 21 to 50 get $7,500. https://gostaffordva.com/wp-content/uploads/2020/04/EDA-CV19-Round-2-GRANT-Guidelines-Final.pdf
VirginiaStauntonEmergency-Disaster Relief Loan FundCity of Staunton, Staunton Creative Community FundOpen100,0001,0005,0002% to 3%First 3 to 6 months of payments are interest onlyhttps://stauntonfund.org/
VirginiaWaynesboroEDA Emergency Loan FundWaynesboro Economic DevelopmentClosed5,00056 months0Repayments begin 30 days after the state/local state of emergency is over3 yearshttp://www.waynesborobusiness.com/emergency-loan-application/
VirginiaWilliamsburgCOVID-19 Business Relief GrantWilliamsburg City CouncilClosed1,000,000N/AN/AN/Ahttps://www.yeswilliamsburg.com/business-resources/coronavirus-covid-19/covid-19-business-grant
WashingtonWorking Washington Small Business Emergency Grant ProgramGovernment of WashingtonClosed10,000,00010,00010N/AN/AN/Ahttp://startup.choosewashingtonstate.com/links/crisis/covid-19-resources/
WashingtonChelan-DouglasSmall Business Support InitiativeChelan-Douglas Regional Port AuthorityOpen200,0001,0009N/AN/AN/AGrant for rent payments or supplies needed to reopen the business, e.g. PPE.https://www.cdrpa.org/covid19-small-business-support-initiative
WashingtonCowlitzCommercial Rent ReliefCowlitz Economic Development Council, Pathways 2020Closed50,00010N/AN/AN/ARent relief program for women- and minority-owned businesses.http://cowlitzedc.com/events/cedcpathways-2020-commercial-rent-relief-application
WashingtonEverettEverett CARES Grant ProgramCity of EverettClosed10,00020N/AN/AN/Ahttps://everettwa.gov/2561/COVID-19
WashingtonLaceyBusiness COVID-19 Relief GrantThurston Economic Development Council, City of LaceyClosed500,00010,00025N/AN/AN/APreference given to businesses with 10 or fewer employees. https://thurstonedc.com/wp-content/uploads/2020/03/COVID-9-relief-grant2.pdf
WashingtonLongviewCommercial Rent ReliefLongview DowntownersOpen75,0002,400N/AN/AN/ARent relief for two months, up to $2,400https://www.downtownlongview.com/
WashingtonSeattleBusiness Stabilization FundCity of SeattleClosed1,500,00010,0005N/AN/AN/ABusiness owners had to have low-moderate income (less than 80% of the Area Median Income). http://www.seattle.gov/office-of-economic-development/small-business/small-business-programs-/stabilization-fund-/faq
WashingtonSeattle (South Lake Union and Regrade neighborhoods) and BellevueNeighborhood Small Business Relief FundAmazonClosed5,000,0007,000,00050N/AN/AN/ARetail and service businesses.https://www.aboutamazon.com/job-creation-and-investment/neighborhood-small-business-relief-fund#what-businesses-qualify-to-apply-for-the-neighborhood-small-business-relief-fund
WashingtonSouth Lake UnionSLU Chamber Small Business & Nonprofit Relief FUNDSouth Lake Union Chamber of CommerceOpen250,000 (goal)1,5007,5007,000,00050N/AN/AN/Ahttps://members.sluchamber.org/relieffund
WashingtonVancouverSmall Business Support ProgramsCity of VancouverOpening Late June931,834Information unavailable yet as city is looking for someone to administer the loans for them.https://www.cityofvancouver.us/ced/page/community-development-block-grant-cdbg-and-home-programs
West VirginiaNo known programs at present.
WisconsinEmergency Loan Fund (COVID-19)Hmong Wisconsin Chamber of CommerceOpen5,00010,0002 yearsInterest-only option for first 3 monthsMust be a low- to moderate-income business or one that is minority-owned.https://www.hmongchamber.org/emergency-loan-fund-covid-19
WisconsinSmall Business 20/20 GrantWisconsin Economic Development CorporationClosed5,000,00020,00019N/AN/AN/ABusinesses must already have a loan through a community development financial institution in Wisconsin. Funds must be used for rent and payroll expenses. https://wedc.org/programs-and-resources/small-business-2020/
WisconsinEthnic Minority Emergency Grants ProgramState of WisconsinClosed2,0005Prior to Jan 1, 2020N/AN/AN/AAt least 51% of the business must be minority-owned. https://content.govdelivery.com/attachments/WIGOV/2020/05/08/file_attachments/1446769/WEDC_Ethnic%20Minority%20Emergency%20Grant.pdf
WisconsinWe're All InState of WisconsinOpen75,000,0002,50020N/AN/AN/Ahttps://wedc.org/blog/gov-evers-announces-75-million-were-all-in-grant-program-and-initiative-to-spur-wisconsins-economic-recovery-promote-safe-business-practices/
WisconsinWe're All In - Rental Assistance ProgramState of WisconsinOpens June 83,000N/AN/AN/AIn general, eligible applicants have a household income at or below 80% of the county median income.https://doa.wi.gov/Secretary/WRAP-infographic.pdf
WisconsinBrew City MatchCOVID-19 Small Business GrantBrew City MatchOpen1,200N/AN/AN/Ahttps://brewcitymatch.com/covid-19
WisconsinBrew City MatchCOVID-19 Small Business Emergency Loan FundBrew City MatchOpen5,00010,0000https://brewcitymatch.com/covid-19
WisconsinDane CountySmall Business Pandemic Support ProgramDane County, Dane Buy LocalOpen10,800,0001,00050,000N/AN/AN/Ahttps://fs27.formsite.com/wwbic/bgbnbsl5as/index.html
WisconsinDe PereSmall Business Pandemic Response Loan (SB-PRL)City of De PereOpen500,00010,0000Payments deferred for first 12 months48 monthsBusiness with fewer than 20 employees can apply for loans up to $5,000, those with over can apply for loans up to $10,000.https://www.deperewi.gov/topic/subtopic.php?topicid=259
WisconsinDowntown De PereCOVID-19 Relief FundDefinitely De Pere, City of De PereClosed100,0002,500N/AN/AN/Ahttps://definitelydepere.org/covid-19-relief-fund/
WisconsinDowntown KenoshaSmall Business Recovery Forgivable LoanDowntown Kenosha, IncOpen100,0001,0005,00025Optional repayments at 0% in 12- or 24-month installmentsPriority given to businesses who are committed to creating/retaining jobs.https://www.downtownkenosha.org/small-business-recovery-fund/
WisconsinGreen BaySmall Business Pandemic Relief LoanCity of Green BayOpen10,000Payments deferred for first 12 months36 to 48 monthshttps://greenbaywi.gov/1128/Small-Business-Pandemic-Relief-Loan
WisconsinLa CrosseLaunch La Crosse Small Business Recovery FundPrivate OrganizationsOpen5,00020N/AN/AN/AMust be a retail, restaurant, or personal services business.https://www.couleecap.org/business-recovery.html
WisconsinOutagamie CountyBusiness Assistance ProgramFox Cities Regional Partnership, Outagamie CountyOpen5,00020,0000.02Payments deferred for first 6 months3 to 5 yearshttps://foxcitieschamber.com/main/outagamie-county-covid-19-business-assistance-loan-program/
WisconsinShorewoodEmergency Business Assistance ProgramShorewood Community Development Authority, Shorewood Business Improvement District, Village Board of TrusteesClosed5,000Prior to April 1, 2020N/AN/AN/AUp to 2 months of eligible rental or rental equivalent costs (up to $5,000)https://www.shorewoodwi.com/business-resources/covid-19-information-resources/
WisconsinVernon CountyBusiness Relief Loan ProgramEconomic Development CommitteeClosed150,0005,0000Payments deferred for first 6 months5 yearshttps://www.vernoncounty.org/departments/economic_development/vernon_county_business_relief_loan.php
WisconsinVeronaSmall Business COVID-19 Support ProgramCity of VeronaClosed200,0001,0005,0001,000,00025N/AN/AN/ABusinesses must be able to demonstrate at least a 25% reduction in revenues. https://www.ci.verona.wi.us/DocumentCenter/View/3133/COVID-19-Support-Program
WisconsinWisconsin RapidsEmergency COVID-19 Small Business Grant ProgramCity of WisconsinClosed100,0001,50010N/AN/AN/Ahttp://www.wisconsinrapidschamber.com/covid-19-emergency-grant
WyomingNo known programs at present.

The map below also shows how much money has been allocated within each state. Some programs don’t mention the dollar amount allocated, so only those that we could find have been included. This doesn’t include the figures from SBA loans:

Please note: while we have tried to include as many loans as possible, there may be some that have been introduced since the time or writing or some that we are unaware of. We have only included loans that are offered by state authorities, companies, or nonprofits. We haven’t included crowdfunding schemes.

Federal and US-wide loans available

As well as local and state-issued loans, businesses can also take advantage of federal-issued loans and some lesser-known US-wide loans:

Loan NameOffered ByStatusAllocated Amount ($)Min. Loan Amount ($)Max. Loan Amount ($)Max. RevenueMax. # of EmployeesBusiness in Operation For (Min.)Interest RatePayment/Interest DeferralsTerm PeriodOther T&CsLink
Paycheck Protection ProgramSBAOpen670,000,00010,000,0001,000,000 (differs by industry)500 (or meets SBA industry size standard if more than this)0.01Payments deferred for 6 months2 yearsFully forgiven if funds used for approved costs.https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program
Economic Injury Disaster Loan ProgramSBAOpen (agricultural businesses only)60,562,000,0002,000,000 (reduced to 150,000)5003.75% (or 2.75% for nonprofits)Payments deferred for 12 monthsUp to 30 yearsA $10k advance (10+ employees or $1k per employee) can be requested.https://covid19relief.sba.gov/#/
SBA Express Bridge Loan Pilot ProgramSBAOpen25,000Up to 6.5% over Prime rateUp to 7 yearsFor businesses with relationship with SBA Express Lender.https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/sba-express-bridge-loans
Small Business Grants ProgramFacebookClosed100,000,000501 yearN/AN/AN/Ahttps://www.facebook.com/business/boost/grants
Food and Beverage Industry Relief FundJames Beard FoundationClosed15,000N/AN/AN/Ahttps://www.jamesbeard.org/relief-fund
Farmer Relief FundAmerican Farmland TrustClosed1,000,0001,0001,000,000N/AN/AN/AFor small- and mid-size direct-market food producers.https://farmland.org/farmer-relief-fund/
Zero-Interest MicroloansKivaOpen15,0000Payments deferred for up to 6 monthshttps://www.kiva.org/blog/support-local-businesses-during-the-coronavirus-pandemic
COVID-19 Recovery FundLISC, VerizonOpen7,500,00010,000N/AN/AN/Ahttps://www.lisc.org/covid-19/small-business-assistance/small-business-relief-grants/verizon-small-business-recovery-fund/
Mainvest Street InitiativeMainvestOpen2,0000Loan available to those who launch a capital raise campaign.https://mainvest.com/main-street-initiative
Grow with Google Small Business FundOpportunity Finance Network, GoogleClosed125,000,000https://ofn.org/googlesmallbizfund
The Red Backpack FundSpanx and The Spanx by Sara Blakely FoundationOpen5,000,0005,0005,000,00049N/AN/AN/ABusinesses must be majority women owned (51%+)https://www.globalgiving.org/redbackpackfund/
Save Small Business FundU.S. Chamber of Commerce FoundationClosed5,00020N/AN/AN/Ahttps://www.savesmallbusiness.com/?fbclid=IwAR21vASwuCz7I3ZJ4053PhR2XEmb4apWGJG2gVQWqycJnTbE3_-IAAH-owo

Share of federal loans by state

Looking at how the PPP and EIDL loans have been distributed across US states, some interesting trends emerge.

For EIDL loans, the states receiving the most funding per number of small businesses are Hawaii (1.18%), Louisiana (1.17%), Nevada (1.15%), Washington (1.14%), and California (1.07%). Most of the states receiving more funding got their initial requests in quickly (from March 13 to March 17). Those submitting after these dates, appear to have received less. For example, Tenessee and West Virginia who both submitted governor’s requests on March 18, have seen just 0.56 percent of their small businesses receive EIDL loans.

In contrast, PPP loans seem to have been more widely distributed in central states, bypassing many of those at the coast. The reasoning for this isn’t clear.

However, we can see that many of the states in receipt of larger numbers of EIDL loans received fewer PPP loans than some other states. Washington (15.06%), California (12.86%), Nevada (13.96%), and Louisiana (14.84%) received quite a bit less than North Dakota (25.71%), South Dakota (24.16%), Nebraska (22.75%), Iowa (20.10%), and Kansas (19.25%) which are the highest-receiving states.

 

Scoring

Loans/Grants

  • State-issued grant (for a wide range of small businesses, i.e., not including those aimed at tech-based companies or startups) = 5
  • State-issued loan (for a wide range of small businesses, i.e., not including those aimed at tech-based companies or startups) = 3
  • All other grants and loans = 1

Tax deferral (not including corporate income taxes as this is extended by all states and the IRS)

  • Filing and payment = 5
  • Payment only (or other restrictions, i.e., only certain businesses included) = 3
  • No changes but penalties waived = 2

Eviction and foreclosure moratorium

  • State legislation = 3
  • Court order or local governments authorized to ban commercial evictions = 2

Awards for EIDL and PPP

For each of these criteria, the state was given a point based on where it ranked between the highest-ranking and lowest-ranking states. States with the highest percentage of businesses awarded loans were given 5 points, while countries with the lowest percentage of businesses awarded loans were allocated zero points. All of the states in between these two scores received a score on a percentile basis, depending on where they ranked.

Sources

PPP Figures (as of 5/23/2020) – https://www.sba.gov/sites/default/files/2020-05/PPP__200523.pdf 

EIDL Loan Figures (as of 5/18/2020) – https://www.sba.gov/document/report–covid-19-eidl-loans-report

Small Business Figures – https://advocacy.sba.gov/2019/04/24/2019-small-business-profiles-for-the-states-and-territories/

https://www.uschamberfoundation.org/article/financial-assistance-small-business#alabama–delaware

https://ilsr.org/information-on-covid-19-small-business-assistance-programs/

https://ilsr.org/how-state-and-local-governments-are-helping-small-businesses-during-the-coronavirus-pandemic-2/

https://www2.deloitte.com/content/dam/Deloitte/us/Documents/Tax/multistate-tax-alert-covid-19-updated-state-and-local-tax-due-date-relief-developments.pdf

https://uk.practicallaw.thomsonreuters.com/w-024-5828?originationContext=document&transitionType=DocumentItem&contextData=(sc.Default)&firstPage=true&bhcp=1