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Coronavirus COVID-19 State & LocalLoans, Grants & Benefits

The U.S. federal, state and local governments are providing unprecedented assistance to businesses impacted by the COVID-19 coronavirus. Please see below for some federal, state and local resources available to you.

    In addition to federal relief, check your state and local resources below to compare the benefits and determine what best helps you at this time
    We are here to help you gather the necessary information to prepare your applications
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Emergency Relief Services

● Cash Flow Analysis● Tax Planning● Tax Extension Preparation● Tax Appeals and Tax Resolution● State and Local Tax Relief● Special Deductions and Credits● S Corps and Partnership Budgeting● C Corp Budgeting● Sales and Use Tax Relief● SBA Loan Consulting● State & Local Benefits Analysis

Federal SBA Loans

For full details of the federal SBA loan programs, please visit this page.

Alabama

Alabama has been declared a disaster area due to the virus outbreak, meaning affected Alabama business owners can now apply for Economic Injury Disaster Loans here.
 Businesses that can’t make their monthly sales or lodging tax payments for February, March, and April 2020 will have late payment penalties waved through June 1, 2020.
In Birmingham, small business owners affected by COVID-19 can apply for zero-interest, 180-day loans through the BhamStrong program, or Small Business Emergency Loan Fund. This fund is offering loans of up to $25,000 to help businesses with less than 50 employees. To learn more about this program and submit an application here.
SBA District OfficeBirmingham District Office2 North 20th Street Suite #325Birmingham, ALPhone: 205-290-7101Fax: 205-731-0170

Alaska

Alaska has been declared a disaster area due to the virus outbreak, meaning affected Alaska business owners can now apply for Economic Injury Disaster Loans here.
Alaska Gov. Mike Dunleavy has called for a $1,300 Permanent Fund dividend payments in April, as well as a $1 billion fund to stabilize the state’s economy as part of a COVID-19 economic plan.
More specifically, in response to this plan, the Alaska Industrial Development and Export Authority (AIDEA) approved a relief program, AK SAFE, that will make funds available to banks and financial institutions to lend to small businesses.
The AIDEA will make up to $50 million available for loan guarantees under AK SAFE. Additionally, in collaboration with these banks and financial institutions, the AIDEA will provide a loan guarantee of up to $1 million per borrower.
Borrow up to $70,000 for 12 months through the microloan program to fund working capital, equipment, or construction.
If you want more education to help you manage your business through the crisis, the Alaska Small Business Development Center is offering its on-demand training online for free.
Alaska District OfficeSBA District Office420 L Street, Suite 300Anchorage, AK907-271-4022800-755-7034

Arizona

Arizona has been declared a disaster area due to the virus outbreak, meaning affected Arizona business owners can now apply for Economic Injury Disaster Loans here.
In coordination with Gov. Doug Ducey, state banks in Arizona have agreed to suspend evictions and foreclosures for at least 60 days, with the potential to extend this period. Additionally, many banks have adopted a payment deferral program for business loans.
For restaurants and bars affected by COVID-19, the Arizona Department of Liquor Licenses and Control will defer the payment of all liquor licensing fees by 90 days.
Southern Arizona businesses can  to help bridge the gap in cash flow until other loans are available.
Arizona’s Shared Work Unemployment Compensation Program is an alternative for employers faced with a reduction in force. The program allows an employer to divide the available work or hours of work among a specified group of affected employees in lieu of a layoff and allows the employees to receive a portion of their Unemployment Insurance (UI) benefits while working reduced hours. The Shared Work Program is not available to an employee unless the employer for whom the individual is currently working reduced hours completes an application which then must be approved by the Department of Economic Security. An approved Shared Work Plan is valid for one year and an employee may be eligible for up to 26 weeks of Shared Work benefits. Additional information on this program can be found here
Arizona District OfficeSBA District Office2828 North Central Ave, Suite 800Phoenix, AZ602-745-7200

Arkansas

Arkansas has been declared a disaster area due to the virus outbreak, meaning affected Arkansas business owners can now apply for Economic Injury Disaster Loans here.
The state of Arkansas is offering relief to small businesses through the newly established Quick Action Loan Program. Through this program, a total of $7 million will be allocated to loan guarantees and direct lending to businesses.
With the Quick Action Loan Guarantee, the Arkansas Economic Development Commission (AEDC) will guarantee up to 80% of the principal balance of a loan issued by a lender participating in the program. You can find lenders participating in the program here.
Through the Quick Action Direct Loan portion of the program, the AEDC will issue loans directly to borrowers, with a maximum amount of $250,000. These loans will have 0% interest and may be amortized for up to two years. You can find more information about this loan here or email moc.cdesasnakra%40ofnissenisub.91DIVOC for assistance.
Arkansas’ Shared Work Unemployment Compensation Program is an alternative for employers faced with a reduction in force. The program allows an employer to divide the available work or hours of work among a specified group of affected employees in lieu of a layoff and allows the employees to receive a portion of their Unemployment Insurance (UI) benefits while working reduced hours. Any employer who elects to participate in the Shared Work Program must have a positive reserve account and must not have had a temporary layoff of the affected group within the four (4) month period preceding the application for the Shared Work Program. Additional information on the program and eligibility can be found here.
Arkansas District OfficeSBA District Office2120 Riverfront Drive suite 250Little Rock, AR 501-324-7379501-324-7394

California

California has been declared a disaster area due to the virus outbreak, meaning affected California business owners can now apply for Economic Injury Disaster Loans here.
Resources for California small businesses are available through the Office of the Small Business Advocate. There are OSBA offices statewide that offer consulting, training, and access to capital. A list of local centers can be found here
IBank, a unit within California Governor’s Office of Business and Economic Development, will issue loan guarantees of up to 95% through their partner, Financial Development Corporations. These loans will be available in amounts up to $1 million for small businesses affected by the virus outbreak. Additionally, IBank is offering loans from $500 to $10,000 for low-wealth entrepreneurs affected by COVID-19 through their Jump Start Loan Program. These loans will also be issued through Financial Development Corporations.
Residents of Los Angeles and Ventura counties can apply through the Jewish Free Loan Association for a no-fee and interest-free loan of up to $10,000 to cover small business losses and lost wages, among other costs. 
Small businesses in San Francisco can access up to $10,000 for employee salaries and rent through the COVID-19 Small Business Resiliency Fund, administered in partnership with Northeast Community Federal Credit Union.
In Los Angeles, impacted small businesses can apply for a microloan from the City of LA Small Busines Emergency Fund. These microloans are available in amounts from $5,000 to $20,000, with interest rates of 0% for a term of six months to one year and 3% to 5% for terms of up to five years. You can learn more about the eligibility criteria and apply online here.
Employers in California can apply for the Unemployment Insurance (UI) Work Sharing Program “if reduced production, services, or other conditions cause them to seek an alternative to layoffs.”
Visit the Employment Development Department of California for more information on requirements, restrictions, and how to apply. This program helps employers minimize or eliminate the need for layoffs, keep trained employees, and avoid the costs of recruiting new employees.  
California’s EDD also has a Rapid Response program, which will meet with you to discuss your needs, help avert potential layoffs, and provide immediate on-site services to assist workers facing job losses. Visit this Fact Sheet to learn more and get started. 
California’s Shared Work Unemployment Compensation Program is an alternative for employers faced with a reduction in force. The program allows an employer to divide the available work or hours of work among a specified group of affected employees in lieu of a layoff and allows the employees to receive a portion of their Unemployment Insurance (UI) benefits while working reduced hours, keep their current job, and avoid financial hardships. Additional information, requirements, and application for the program can be found here
SBA Regional Office, Pacific Region330 N. Brand Blvd. Suite 1200Glendale, CA 818-552-3437

Colorado

Colorado has been declared a disaster area due to the virus outbreak, meaning affected Colorado business owners can now apply for Economic Injury Disaster Loans here.
In Denver, small business owners can apply for cash grants of up to $7,500 through the Small Business Emergency Relief Program. This program is designed to help the small businesses most affected by the virus outbreak, like those in the food industry. 
These grants will be distributed monthly with applications due on the last day of every month for the duration of the program. You can provide your initial information for this program here.
Additionally, if you’re an artist in Denver whose business revolves around events, classes, performances, or other creative work, you can apply for a grant up to $1,000 through the IMAGINE 2020 Artist Assistance Fund. These grants will be offered to artists who have lost income as a result of the coronavirus pandemic.
The El Pomar Foundation has a $1 million fund providing immediate assistance to non-profit organizations.
Colorado’s Work-Share Program provides an alternative to laying off employees by allowing them to keep working, but with fewer hours. While an employee is working fewer hours, he or she may be eligible to collect part of his or her regular unemployment benefits. Additional information on the program, eligibility requirements, and application can be found here
Colorado District OfficeSBA District Office721 19th Street, Suite 426Denver, CO303-844-2607

Connecticut

Connecticut has been declared a disaster area due to the virus outbreak, meaning affected Connecticut business owners can now apply for Economic Injury Disaster Loans here.
The State of Connecticut has implemented a $50 million Connecticut Recovery Bridge Loan Program for businesses that have been affected by the COVID-19 outbreak. Through this program, the Connecticut Department of Economic Community Development (DECD) is issuing loans up to $75,000 at 0% interest with a 12-month term.
Currently, the DECD has paused on accepting applications while they process the first round of funding. You can find up-to-date information on when applications will reopen here.
Connecticut Department of Labor’s Shared Work Program saves you the time, worry, and expense of hiring and training new workers by keeping skilled employees on the job until business upturns. To participate, an employer must complete an application for the affected unit(s) within the company and submit it to the Connecticut Department of Labor for approval. Additional information on the program and eligibility can be found here
Connecticut District OfficeSBA District Office280 Trumball Street, 2nd FloorHartford, CT860-240-4700

Delaware

Delaware has been declared a disaster area due to the virus outbreak, meaning affected Delaware business owners can now apply for Economic Injury Disaster Loans here.
For small businesses and nonprofits in the hospitality industry, Delaware has launched the Hospitality Emergency Loan Program to provide no-interest loans of up to $10,000 per business per month. Eligible businesses can apply for these loans using this form and emailing vog.erawaled%40ecnanif_ssenisub.
Delaware District OfficeSBA District OfficeI.M.PEI Building11105 Market Street Lobby Level, Suite 02Wilmington, DE302-573-6294

District of Columbia

DC has been declared a disaster area due to the virus outbreak, meaning affected DC business owners can now apply for Economic Injury Disaster Loans here.
Through the Office of the Deputy Mayor for Planning and Economic Development, the District of Columbia has launched a $25 million COVID-19 Recovery Effort and DC Small Business Recovery Microgrants Program.

The DC Small Business Recovery Microgrants Program is offering grants to small, local businesses, independent contractors, self-employed individuals, and nonprofits to meet their short-term financial needs. Currently, the application period is closed for these grants, however, you can find up-to-date information on the program here.

Washington Metropolitan Area District OfficeSBA District Office409 3rd Street SW, Floor 2Washington, DC202-205-8800

Florida

Florida has been declared a disaster area due to the virus outbreak, meaning affected Florida business owners can now apply for Economic Injury Disaster Loans here.
The Florida Small Business Emergency Bridge Loan Program has been reactivated by Gov. Ron DeSantis. Through this program, Florida business owners can receive short-term, interest-free loans in amounts up to $50,000. These loans are interest-free for up to one year and are designed to bridge the gap to securing SBA or commercial loans.
The Florida Department of Economic Opportunity is managing this program, in partnership with the Florida SBDC Network and Florida First Capital Finance Corporation. DeSantis has allocated up to $50 million for this program. You can apply for these loans online here.
Additionally, Florida businesses can complete a survey that will be used to assess the impact of coronavirus on Florida’s local business operations. To fill out the survey here
According to the office of Governor De Santis:“Surveys submitted by small businesses can be used to access the Small Business Administration’s Economic Injury Disaster Loan, made available for COVID-19 through the Coronavirus Preparedness and Response Supplemental Appropriations Act. For inquiries or assistance with the survey, businesses can contact Emergency Support Function 18 at moc.adirolfym.me%4081FSE.”
Floridal’s Short-Time Compensation program is a voluntary employer program designed to help employers maintain their staff by reducing the weekly working hours during temporary slowdowns instead of temporarily laying off employees. If an employer establishes a Short-Time Compensation Plan and an employee meets the qualifications to file an reemployment assistance claim in the state of Florida, they will receive a partial reemployment check to supplement their reduced paycheck. Additional information and requirements on the program can be found here
Florida District OfficeSBA District Office51 SW 1st Avenue, Suite 201Miami, FL305-536-5521

Georgia

Georgia has been declared a disaster area due to the virus outbreak, meaning affected Georgia business owners can now apply for Economic Injury Disaster Loans here.
The University of Georgia Small Business Development Center, Georgia Department of Community Affairs, and the Georgia Department of Economic Development are working together to support the small businesses of Georgia.

These organizations will be hosting webinars to provide business owners with information on their options for SBA COVID-19 relief and answer any questions business owners may have.

You can find a schedule of these webinars and additional resources here.

Georgia District OfficeSBA District Office233 Peachtree Street, NE Suite 300Atlanta, GA404-331-0100

Hawaii

Hawaii has been declared a disaster area due to the virus outbreak, meaning affected Hawaii business owners can now apply for Economic Injury Disaster Loans here.
Currently, the Chamber of Commerce Hawaii has started a petition asking the Governor to take steps to support small businesses at the state level. The petition calls for suspension, deferment, or relief of tax collections, rental relief and mortgage assistance, low or zero-interest loans for businesses, and more.

The Chamber of Commerce’s survey to share how COVID-19 continues to impact your local business here.

Hawaii District OfficeSBA District Office500 Ala Moana Blvd., Suite 1-306Honolulu, HI808-541-2990

Idaho

Idaho has been declared a disaster area due to the virus outbreak, meaning affected Idaho business owners can now apply for Economic Injury Disaster Loans here.
Idaho businesses can refer to the Idaho Department of Commerce website, as well as the state’s official COVID-19 resources website for up-to-date information on relief and support for small businesses.
Idaho District OfficeSBA District Office380 East Parkcenter Blvd., Suite 330Boise, ID208-334-9004

Illinois

Illinois has been declared a disaster area due to the virus outbreak, meaning affected Illinois business owners can now apply for Economic Injury Disaster Loans here.
The Illinois Department of Commerce and Economic Opportunity (DCEO) has launched a $14 million Hospitality Emergency Grant Program for bars, restaurants, and hotels affected by COVID-19. Through this program, businesses will be able to apply for grants up to $50,000 (depending on the type of business and revenue) to be used for working capital, job training, and technology enabling new operations. You can apply for this grant program here.
Additionally, the DCEO and the Department of Financial and Professional Regulation (IDFPR) have established the Illinois Small Business Emergency Loan Fund to offer low interest loans of up to $50,000. Businesses outside of the City of Chicago with fewer than 50 workers and less than $3 million in 2019 revenue are eligible to apply. These loans will have five-year terms with no payments due for the first six months. Applications for this program will be available here.
Moreover, for small businesses in downstate and rural counties across Illinois, the DCEO has created the Downstate Small Business Stabilization Program, which will offer grants of up to $25,000. Local governments can apply on behalf of businesses with 50 employees or less. Learn more about the eligibility requirements here.
The Illinois Treasurer’s Office has also created a Small Business COVID-19 Relief program which will make up to $250 million in deposits available to financial institutions throughout the state. Through this program, small businesses can work with registered lenders to receive low interest loans (with rates capping at 4.75%) to be used for bridge funding, fixed debts, payroll, and more. Information about financial institutions participating in this program can be found here.
In Chicago, small businesses can apply for low interest loans through the $100 million Chicago Small Business Resiliency Fund. Loans will be available in amounts up to $50,000 with terms up to five years. You can learn more about the eligibility requirements and apply for one of these loans here.
Illinois District OfficeSBA District Office500 W. Madison Street, Suite 1150Chicago, IL312-353-4528

Indiana

Indiana has been declared a disaster area due to the virus outbreak, meaning affected Indiana business owners can now apply for Economic Injury Disaster Loans here.
Through the Indy Chamber’s Business Ownership Initiative, the Indy Chamber and their partners are offering bridge loans to small businesses affected by the coronavirus pandemic. This Rapid Response Loan Fund is offering loans from $1,000 to $25,000 with a 3.75% interest rate, no application fee, and no prepayment penalties.

You can start the application process for one of these loans by filling out the intake form here.

Indiana District OfficeSBA District Office8500 Keystone Crossing, Suite 400Indianapolis, IN317-226-7272

Iowa

Iowa has been declared a disaster area due to the virus outbreak, meaning affected Iowa business owners can now apply for Economic Injury Disaster Loans here.
The state of Iowa has created a Small Business Relief Fund that is offering grants to businesses impacted by COVID-19. Applications are currently closed, but you can find updated information here.
A fund has been created to support Targeted Small Businesses (TSB) with zero employees that have been economically impacted by the COVID-19 pandemic. The program offers eligible small businesses grants ranging from $5,000-$10,000 to businesses that are sole proprietors or single-member LLCs that are also TSB certified, or have an application submitted to the Iowa Economic Development Authority (IEDA) by April 10, 2020 to become TSB certified.
Iowa Center for Economic Success will review grant applications for eligibility and determine the grant amount by the level of impact including loss in sales revenue and employees. The Iowa Center for Economic Success will also provide recommendations of award decisions to IEDA. IEDA will verify and/or finalize the applicant’s TSB certification and notify the applicant of the award decision. Eligibility and requirements can be found here, and an application can be completed here
Iowa’s voluntary shared work program provides that employers facing a temporary shortfall may reduce the work hours of employees in an affected unit and those employees will receive a portion of their regular unemployment insurance benefits. The program is designed to reduce unemployment and stabilize the workforce by allowing certain employees to collect unemployment insurance benefits if the employees share the work remaining after a reduction in the total number of hours of work and a corresponding reduction in wages. The employer may apply to participate in the program by completing a shared work plan application which must be approved by the department. The employer shall submit the plan to the department 30 days prior to the proposed implementation date. The employer will administer the program in cooperation with the department. Additional information on the program can be found here
Iowa District OfficeSBA District Office210 Walnut Street, Room 749Des Moines, IA515-284-4422

Kansas

Kansas has been declared a disaster area due to the virus outbreak, meaning affected Kansas business owners can now apply for Economic Injury Disaster Loans here.
The state of Kansas has established the Hospitality Industry Relief Emergency (HIRE) Fund to provide bridge loans to businesses in the hospitality industry. The Governor’s office has allocated $5 million in funds for this program.
Through HIRE, businesses can apply for a one-time loan of up to $20,000 at 0% interest for 36 months.
Currently, the HIRE Fund has allocated their available funds, but they’re encouraging business owners to complete the form for future assistance.
An employer/business owner may use Kansas’ Shared Work in lieu of a temporary, total layoff of employees. It allows for a partial workweek and partial unemployment benefits for employees. It is not available for seasonal layoffs. The Employment Security (Unemployment Insurance) Shared Work Program is designed to help both employers and employees. It is an alternative for employers faced with a reduction in workforce and allows an employer to divide the available work or hours of work among a specified group of affected employees in lieu of a layoff. Shared Work allows the employees to receive a portion of their unemployment insurance benefits while working reduced hours. Additional Information about program eligibility and an application to join the program here
Kansas District OfficeSBA District Office1000 Walnut, Suite 500Kansas City, MO816-426-4900

Kentucky

Kentucky has been declared a disaster area due to the virus outbreak, meaning affected Kentucky business owners can now apply for Economic Injury Disaster Loans here.
Small businesses located in Jefferson County, Kentucky can apply for relief through the Small Business Continuity Loan program. This program is distributing loans of up to $25,000 at 0% interest and no repayment due for 12 months.

The Small Business Continuity Loan program is being administered by LHOME in partnership with Render Capital, Louisville Forward, LenderFit, and GLI. You can find additional information and the online application for this loan here.

Kentucky District OfficeSBA District Office600 Dr. Martin Luther King Jr Place, Room 188Louisville, KY502-582-5971

Louisiana

Louisiana has been declared a disaster area due to the virus outbreak, meaning affected Louisiana business owners can now apply for Economic Injury Disaster Loans here.
The Louisiana Economic Development (LED) has partnered with the Louisiana Bankers Association and Louisiana Public Facilities Authority to create, issue, and administer business loans through the Louisiana Loan Portfolio Guaranty Program (LPGP).

Through this program, small business owners can apply for loans with participating lenders—with amounts up to $100,000, terms from one to five years, and fixed interest rates up to 3.5%. The LPGP is supplying capital to create a guarantee fund of up to $50 million and the LED will guarantee 20% of the pool to each participating bank.

You can find more information on this program, as well as a list of participating banks here.

If you’re a “gig worker” in New Orleans, you can apply for a grant through the New Orleans Business Alliance’s (NOLABA) COVID-19 Relief Grant Program. NOLABA has already contributed $100,000 to this fund and is working toward a goal of $500,000 or more.

Eligible gig workers can apply for grants of up to $1,000 using the online application here.

Louisiana District OfficeSBA District Office365 Canal Street, Suite 2820New Orleans, LA504-589-6685

Maine

Maine has been declared a disaster area due to the virus outbreak, meaning affected Maine business owners can now apply for Economic Injury Disaster Loans here.
The Finance Authority of Maine (FAME) has created a $5 million COVID-19 Relief Business Direct Loan Program that is offering loans of up to $50,000 with special terms for businesses impacted by the coronavirus pandemic.
These loans are available with an interest rate of the Prime Rate plus 1% and terms of 12 months. You can find additional information and instructions on how to apply here.
FAME has also launched a secondary COVID-relief program specifically offering bridge loans to businesses that can show proof of commitment to SBA financing. These loans will be issued with the purpose of bridging the gap until the SBA loan is funded. The SBA loan would then pay off the FAME loan.
These loans are available in amounts of up to $100,000 with an interest rate of the Prime Rate plus 1%. As this loan is only available for businesses that have committed to SBA financing, the term is 90 days. You can learn more and submit your application here.
Maine’s WorkShare is an unemployment option that helps businesses retain their workforce during a temporary slowdown in work. The program allows employers to voluntarily reduce the hours of staff in lieu of layoffs. Employees of the business are allowed to collect a partial unemployment benefit to help them offset the loss of income. The WorkShare program helps businesses keep trained workers during a temporary downturn, and it helps workers stay connected to jobs and maintain their skills. Additional Information about the program can be found here
Maine District OfficeSBA District Office68 Sewall Street, Room 512Augusta, ME207-622-8551

Maryland

Maryland has been declared a disaster area due to the virus outbreak, meaning affected Maryland business owners can now apply for Economic Injury Disaster Loans here.
The Maryland Department of Commerce has launched two funds to support local businesses impacted by the COVID-19 pandemic. The $75 million Maryland Small Business COVID-19 Emergency Relief Loan Fund is offering loans up to $50,000 with 0% interest for the first 12 months. You can find eligibility requirements and information on how to apply here.
In addition to this program, the Maryland Small Business COVID-19 Emergency Grant Fund has allocated $50 million in grants for local businesses. Grants are available in amounts up to $10,000. Learn more and apply online here.
Maryland’s Work Sharing is a voluntary program that provides an alternative to layoffs for employers faced with a temporary, non-cyclical decline in business due to lower economic activity. The program is designed to avoid layoffs by preserving jobs for trained workers. Qualified employers, who participate in Work Sharing, are able to retain an entire employee group by reducing that group's hours of work by a percentage equal to the total reduction of hours that would have been achieved by a layoff. Using Work Sharing, an employer can maintain high productivity and quality because the existing trained work force remains in place. When business improves, the employer has an intact work force and have avoided the time and expense of rehiring and retraining. Work Sharing enables employers to keep productivity and employee morale high because workers avoid the insecurity, unrest, and "bumping" characteristics of layoffs. Additional information on the program can be found here
Maryland District OfficeSBA District Office100 South Charles Street, Suite 1201Baltimore, MD410-962-6195

Massachusetts

Massachusetts has been declared a disaster area due to the virus outbreak, meaning affected Massachusetts business owners can now apply for Economic Injury Disaster Loans here.
Massachusetts business owners can receive emergency capital up to $75,000 through the Small Business Recovery Loan Fund. Loans are available immediately to eligible businesses and will require no payments during the first six months. 
This $10 million program is being capitalized and administered by Massachusetts Growth Capital Corporation (MGCC). You can apply for one of these loans on the MGCC website here.
Massachusetts’ WorkShare is a program that offers a smart alternative to layoffs. Employees work reduced hours while collecting unemployment benefits to supplement their lower wages. Additional information on this program can be found here
Massachusetts District OfficeSBA District Office10 Causeway Street, Room 265Boston, MA617-565-5590

Michigan

Michigan has been declared a disaster area due to the virus outbreak, meaning affected Michigan business owners can now apply for Economic Injury Disaster Loans here.
The Michigan Economic Development Corporation is offering $20 million in financial assistance through their Michigan Small business Relief Program. These funds will be divided in two, with $10 million going to small business grants and $10 million to small business loans. 
Grants will be available in amounts up to $10,000 to be used for working capital and other essential business expenses. The small business loans will be available in amounts from $50,000 to $200,000 with interest rates of 0.25% and terms up to 10 years. 
You can find more information and application requirements here.
Michigan’s WorkShare Program is an alternative for employers faced with a reduction in force. The program allows an employer to divide the available work or hours of work among a specified group of affected employees in lieu of a layoff and allows the employees to receive a portion of their Unemployment Insurance (UI) benefits while working reduced hours. The Shared Work Program is not available to an employee unless the employer for whom the individual is currently working reduced hours completes an application which then must be approved by the Department of Economic Security. An approved Shared Work Plan is valid for one year and an employee may be eligible for up to 26 weeks of Shared Work benefits. Additional information on this program can be found here
Michigan District OfficeSBA District Office477 Michigan Avenue, Suite 1819, McNamara BuildingDetroit, MI313-266-6075

Minnesota

Minnesota has been declared a disaster area due to the virus outbreak, meaning affected Minnesota business owners can now apply for Economic Injury Disaster Loans here.
The Minnesota Department of Employment and Economic Development (DEED) has created the Minnesota Small Business Loan Guarantee Program which will distribute $10 million in loan guarantees to small business lenders.
Through this program, businesses can access loans of up to $250,000—with DEED offering a maximum 80% loan guarantee. These loans will be issued by participating lenders, including banks, credit unions, and other financial institutions.
Currently, DEED is accepting lender applications for the program. You can find up-to-date information on when borrower applications will be available here.
Additionally, DEED has launched a Small Business Emergency Loan program for businesses in industries that have been significantly impacted by the coronavirus outbreak—including restaurants, bars, event venues, and more.
Through this program, participating lenders will issue interest-free loans from $2,500 to $35,000 with terms up to five years and payment deferment for the first six months. Lenders are not yet accepting applications, however, you can find a list of participating institutions here—as well as complete an initial application form here.
Minnesota’s Shared Work Program is an alternative for employers faced with a reduction in force. The program allows an employer to divide the available work or hours of work among a specified group of affected employees in lieu of a layoff and allows the employees to receive a portion of their Unemployment Insurance (UI) benefits while working reduced hours. The Shared Work Program is not available to an employee unless the employer for whom the individual is currently working reduced hours completes an application which then must be approved by the Department of Economic Security. An approved Shared Work Plan is valid for one year and an employee may be eligible for up to 26 weeks of Shared Work benefits. Additional information on this program can be found here
Minnesota District OfficeSBA District Office330 Second Avenue South, Suite 430Minneapolis, MN612-370-2324

Mississippi

Mississippi has been declared a disaster area due to the virus outbreak, meaning affected Mississippi business owners can now apply for Economic Injury Disaster Loans here.
The Mississippi Economic Council has compiled a list of resources for small businesses on their website. They’re updating this list regularly with information for businesses on the state and federal level.
Mississippi District OfficeSBA District Office210 E. Capitol Street, Suite 900Jackson, MS601-965-4378

Missouri

Missouri has been declared a disaster area due to the virus outbreak, meaning affected Missouri business owners can now apply for Economic Injury Disaster Loans here.
Businesses located in the city of St. Louis and St. Louis County can apply for zero-interest loans through a program developed by the St. Louis Economic Development Partnership, the St. Louis Development Corporation, and a coalition of 10 St. Louis banks.
These loans are available in amounts up to $5,000—any for-profit business in the aforementioned locations who has suffered economic damage due to COVID-19 is eligible to apply.
Find additional information and the application form here.
Missouri’s Shared Work Unemployment Compensation Program is an alternative to layoffs for employers faced with a reduction in available work. It allows an employer to divide the available work among a specified group of affected employees instead of a layoff. These employees receive a portion of their unemployment benefits while working reduced hours. To participate, an employer must complete an application for the affected unit within the company, and submit it to the Division of Employment Security (DES) for approval. Additional information on the program can be found here
Missouri District OfficeSBA District Office1222 Spruce Street, Suite 10.103St. Louis, MO314-539-6600

Montana

Montana has been declared a disaster area due to the virus outbreak, meaning affected Montana business owners can now apply for Economic Injury Disaster Loans here.
The Montana Facility Finance Authority is offering short-term loans to businesses as part of their Emergency Loan Program. Businesses can receive loans from $5,000 to $500,000 with terms of 12 months, with the first six months deferred.

For the first three months of the term, the interest rate will be 0%, after this period, the rate will be five-year U.S. Treasury Note plus 15 basis points or 2.00%, whichever is greater.

Additional information including eligibility requirements and how to apply can be found on the Montana Facility Finance Authority website.

Moreover, the Montana Department of Commerce has compiled a list of state business recovery programs for businesses here.

Montana District OfficeSBA District Office10 West 15th Street, Suite 1100Helena, MT406-441-1081

Nebraska

Nebraska has been declared a disaster area due to the virus outbreak, meaning affected Nebraska business owners can now apply for Economic Injury Disaster Loans here.
The Nebraska Department of Economic Development (DED) has allocated Community Development Block Grant (CDBG) funds to help eligible businesses who have been impacted by COVID-19.
To be eligible for this funding, your business must be a private, for-profit company and participate in activities that prevent and respond to the spread of infectious diseases. These guidelines may include manufacturers, researchers, grocery stores, pharmacies, and more. Learn more about the eligibility requirements and how to apply for this funding here.
Nebraska’s Short-Time Compensation program helps prevent layoffs by allowing employers to uniformly reduce affected employees’ hours by 10 to 60 percent while permitting the employees to receive a prorated unemployment benefit. Additional information on the program can be found here
Nebraska District OfficeSBA District Office10675 Bedford Avenue, Suite 100Omaha, NE402-221-4691

Nevada

Nevada has been declared a disaster area due to the virus outbreak, meaning affected Nevada business owners can now apply for Economic Injury Disaster Loans here.
Sen. Jacky Rosen has compiled resources for small businesses affected by COVID-19 on her website. These resources offer information about applying for SBA loans, FAQs about the federal stimulus packages, and more.
Nevada District OfficeSBA District Office300 South 4th Street, Suite 400Las Vegas, NV702-388-6611

New Hampshire

New Hampshire has been declared a disaster area due to the virus outbreak, meaning affected New Hampshire business owners can now apply for Economic Injury Disaster Loans here.
The New Hampshire Department of Business and Economic Affairs is providing up-to-date information for small businesses on their website. The site offers information for essential businesses, federal and state resources, as well as information regarding unemployment and layoffs.
New Hampshire’s Stay at Work: WorkShare Program is an alternative for employers faced with a reduction in force. The program allows an employer to divide the available work or hours of work among a specified group of affected employees in lieu of a layoff and allows the employees to receive a portion of their Unemployment Insurance (UI) benefits while working reduced hours. The Shared Work Program is not available to an employee unless the employer for whom the individual is currently working reduced hours completes an application which then must be approved by the Department of Economic Security. An approved Shared Work Plan is valid for one year and an employee may be eligible for up to 26 weeks of Shared Work benefits. Additional information on this program can be found here
New Hampshire District OfficeSBA District Office55 Pleasant Street, Suite 3101Concord, NH603-225-1409

New Jersey

New Jersey has been declared a disaster area due to the virus outbreak, meaning affected New Jersey business owners can now apply for Economic Injury Disaster Loans here.
The New Jersey Economic Development Authority (NJEDA) has a number of loan, financing, and technical assistance programs that it has specifically indicated could be used as resources for New Jersey business owners. 
NJEDA Programs for Small - to Mid-Sized BusinessesNJEDA Small Business Services
Visit the NJEDA’s Small Business Services page to learn more or to speak to a representative on how to obtain low-cost financing. 
Loans of up to $100,000 are available for small businesses and nonprofits. Repay the loans over a 10-year term, with a 0% interest rate for the first five years and a maximum interest rate of 3% for the remaining five years.
For small and medium-sized businesses that employ 1-10 full-time equivalent employees, $1,000 to $5,000 emergency grants are available to help provide payroll and working capital support.
New Jersey’s Shared Work Program is an alternative to layoffs. An employer who has at least 10 employees may apply to the division for approval to provide a Shared Work program. The purpose of such a program is to stabilize an employer’s workforce during a period of economic disruption by permitting the sharing of the work remaining after a reduction in total hours of work. Under an approved Shared Work program, workers who have their hours of work reduced may receive “short-time” unemployment benefits for the lost hours of work, while continuing to work at reduced hours with a continuation of their health insurance, pension coverage, and other benefits. Additional information on the program can be found here
New Jersey District OfficeSBA District OfficeTwo Gateway Center, Suite 1002Newark, NJ973-645-2434

New Mexico

New Mexico has been declared a disaster area due to the virus outbreak, meaning affected New Mexico business owners can now apply for Economic Injury Disaster Loans here.
The New Mexico Economic Development Department (NMEDD) has created a program to assist businesses seeking emergency loans or line of credit to deal with the impact of COVID-19. The NMEDD will guarantee a portion of a loan or line of credit up to 80% of the principal or $50,000. You can find a list of lenders participating in this program here.
Additionally, the New Mexico State Investment Council has voted to provide a credit line of $100 million to provide financial assistance to businesses with a minimum of 50 employees. As the program is developed, guidelines will be available here.
New Mexico District Office - Mailing Address
SBA District Office
PO Box 2206Albuquerque, NM505-248-8225

New York

New York has been declared a disaster area due to the virus outbreak, meaning affected New York business owners can now apply for Economic Injury Disaster Loans here.
Consider New York’s Shared Work program as you manage business cycles and seasonal adjustments. Shared Work lets you keep trained staff and avoid layoffs. Employees can receive partial Unemployment Insurance benefits while working reduced hours. Full-time, part-time and seasonal employees are eligible. The Shared Work Program helps you avoid some of the problems caused by a layoff. If you keep your employees during a temporary slowdown, you can gear up quickly when business conditions improve. You do not have the expense of recruiting, hiring, and training new employees. Also, you spare your employees the hardships of full unemployment. Additional information on the program can be found here.
New York District OfficeSBA District Office26 Federal Plaza, Suite 3100New York, NY212-264-4354

New York City

New York City has been declared a disaster area due to the virus outbreak, meaning affected New York City business owners can now apply for Economic Injury Disaster Loans here.
In New York City, Mayor Bill De Blasio announced that the city would provide relief for businesses seeing a reduction in revenue due to COVID-19: 
“Businesses with fewer than 100 employees who have seen sales decreases of 25% or more will be eligible for zero interest loans of up to $75,000 to help mitigate losses in profit. The City is also offering small businesses with fewer than five employees a grant to cover 40% of payroll costs for two months (an average of $6,000) to help retain employees.” 
You can apply for the NYC Employee Retention Grant Program here. You can also fill out a pre-application for the NYC Small Business Continuity Loan Fund here.
Eligible owners who want to know more about these programs should call 311 in New York City for assistance. You can also fill out NYC’s COVID-19 Business Assistance Survey in order to receive information regarding new loan and grant programs for impacted small businesses. 
Consider New York’s Shared Work program as you manage business cycles and seasonal adjustments. Shared Work lets you keep trained staff and avoid layoffs. Employees can receive partial Unemployment Insurance benefits while working reduced hours. Full-time, part-time and seasonal employees are eligible. The Shared Work Program helps you avoid some of the problems caused by a layoff. If you keep your employees during a temporary slowdown, you can gear up quickly when business conditions improve. You do not have the expense of recruiting, hiring, and training new employees. Also, you spare your employees the hardships of full unemployment. Additional information on the program can be found here.
New York District OfficeSBA District Office26 Federal Plaza, Suite 3100New York, NY212-264-4354

North Carolina

North Carolina has been declared a disaster area due to the virus outbreak, meaning affected North Carolina business owners can now apply for Economic Injury Disaster Loans here.
The Carolina Small Business Development Fund is offering NC COVID-19 Rapid Recovery Loans to small businesses in North Carolina—these loans are designed to serve as bridge financing until businesses can access an SBA disaster loan or another type of longer-term financing.

These loans are available in amounts up to $50,000 with payment deferment and 0% interest for six months. After six months, the interest rate will be 5.5% with a term of 48 months.

You can find eligibility and application information here

North Carolina District OfficeSBA District Office6302 Fairview RoadCharlotte, NC704-344-6563

North Dakota

North Dakota has been declared a disaster area due to the virus outbreak, meaning affected North Dakota business owners can now apply for Economic Injury Disaster Loans here.
Businesses in North Dakota that are certified as “primary sector” can apply for loans under the North Dakota Development Fund (NDFF), Revolving Rural Loan Fund, and the Venture Capital Program.
These loans are available in amounts up to $1 million, with “lower than market interest rates.” Although these programs are not unique to the COVID-19 crisis, the North Dakota State Government has included these programs in their list of coronavirus financial resources for small businesses.
Loans of up to $100,000 are available to childcare centers with a low-interest rate of 2.5%.
Essential service companies, including gas stations and pharmacies in communities of less than 2,500 people can apply for loans of $25,000 - $75,000.
For more information on these programs—including eligibility requirements and how to apply—you can visit the resource center here.
It’s also worth noting that the North Dakota Development Board has suspended all payments for existing NDDF loans for 30 days.
North Dakota District OfficeSBA District Office657 2nd Avenue North, Room 360Fargo, ND701-239-5131

Ohio

Ohio has been declared a disaster area due to the virus outbreak, meaning affected Ohio business owners can now apply for Economic Injury Disaster Loans here.
Liquor buyback
The Ohio Department of Commerce will immediately begin offering a liquor buyback option to support bars and restaurants. This is intended to aid those establishments that have stocked up on high proof liquor, but now are facing closure to in-house patrons. Bars and restaurants can return unopened, high proof liquor products (obtained within the past 30 days) to the agency where they purchased the product. This opportunity is also extended to those with temporary (F2) permits for events scheduled between March 12 and April 6, 2020. Questions about this program should be directed to the Liquor Enterprise Service Center at 1-877-812-0013 or vog.oihO.moC%40ofnIrouqiLoihO. Publicly-Funded Daycares
An executive order issued last week increased the number of children allowed to be supervised by child care staff, depending on the type of program and ages of the children. The order also increased from 10 to 20 the number of paid absent days for providers serving children in the Publicly Funded Child Care program, and it provides child care programs with 21 paid pandemic days if they must close their programs because of the pandemic. Read the Executive Order here.   The Ohio Department of Transportation (ODOT) 
The Ohio Department of Transportation (ODOT) is modifying the process for haulers carrying heavy loads of essential goods. Generally, Ohio requires haulers with loads classified as "oversized" to seek advanced permission from ODOT before they are legally allowed to travel in the state. Haulers carrying these essential goods can download and print the permit at transportation.ohio.gov. Ohio’s Bureau of Workers' Compensation (BWC)
Ohio’s Bureau of Workers' Compensation (BWC) system is the exclusive provider of workers’ compensation insurance in Ohio and serves 249,000 public and private employers. To help businesses facing difficulties due to the COVID-19 pandemic, the Ohio BWC is announcing the deferment of insurance premium installment payments for March, April and May until June 1, 2020. For more information, visit bwc.ohio.gov. Grace Period for Health Insurance Premiums
All health insurers are required to provide the option of deferring premium payments, interest free, for up to 60 calendar days from each original premium due date. This means that employers can defer their premium payments up to two months, giving them some relief on costs, while keeping their employees insured. Learn more here
The Greater Akron Chamber of Commerce will be administering the COVID-19 Small Business Emergency Relief Grant Fund to Summitt County small businesses affected by the coronavirus pandemic.
Through this program, businesses will be eligible for $5,000 grants—they must show, however, that they have a financial need and are continuing operations by applying for an SBA disaster loan or other types of SBA loans.
Summit County has contributed $750,000 to start this program, with the hope that contributions will increase the fund to be able to offer over $1 million in small business assistance. You can receive additional information or apply for one of these grants by emailing gro.rebmahcnorkaretaerg%40tnargDIVOC.
Ohio Governor Mike DeWine and Ohio Bureau of Workers' Compensation (BWC) Administrator/CEO Stephanie McCloud today proposed giving up to $1.6 billion to Ohio employers this spring to ease the economic impact of the coronavirus (COVID-19) pandemic on Ohio’s economy and business community. BWC’s Board of Directors will hold an emergency virtual meeting Friday, April 10th, to vote on the proposed dividend, which equals 100% of the premium employers paid in policy year 2018. As in previous years, the dividend is possible because of strong investment returns on employer premiums, a declining number of claims each year, and prudent fiscal management.
BWC provides workers’ compensation insurance to more than 248,000 private and public employers in Ohio. Should the proposed dividend total $1.6 billion:• An estimated $1.4 billion would go to private employers.• Approximately $200 million would go to local government taxing districts (counties, cities, schools, etc.).
The proposal follows other recent moves by BWC to ease the strain on employers this year. In late March, BWC told employers they could defer their monthly premium installment payments for March, April, and May until June 1. BWC also waived or postponed some requirements and deadlines for several programs that reduce employer premiums and applied the discounts automatically.
If approved by the board, the dividend would be BWC’s sixth of $1 billion or more since 2013 and seventh overall in that time. It also continues BWC’S trend of lowering workers’ comp costs for Ohio’s private and public employers. BWC has repeatedly lowered premium rates in recent years, including a 10% cut for public employers that took effect in January and a 13% cut for private employers that begins July 1. More information on this program can be found here
SharedWork Ohio is a voluntary layoff aversion program. It allows workers to remain employed and employers to retain trained staff during times of reduced business activity. Under a SharedWork Ohio plan, the participating employer reduces affected employees’ hours in a uniform manner. The participating employee works the reduced hours each week, and the Ohio Department of Job and Family Services (ODJFS) provides eligible individuals an unemployment benefit proportionate to their reduced hours. Additional information on the program can be found here.
Ohio District OfficeSBA District Office401 North Front StreetColumbus, OH614-469-6860

Oklahoma

Oklahoma has been declared a disaster area due to the virus outbreak, meaning affected Oklahoma business owners can now apply for Economic Injury Disaster Loans here.
In Oklahoma City, businesses can apply for COVID-19 disaster relief funds through the City of Oklahoma City’s Small Business Continuity Program.

The Oklahoma City Council has allocated $5.5 million in funds to this program which is broken into four different branches—the Small Business Incentive Program, the Small Business No-Interest Forgivable Loan Program, the Small Business Low Interest Loan Program, and the Small Business Technical Assistance Program.

To learn more about the details of these programs and how to apply, you can refer to the program’s website here.

Oklahoma District OfficeSBA District Office301 NW 6th StreetOklahoma, OK405-609-8000

Oregon

Oregon has been declared a disaster area due to the virus outbreak, meaning affected Oregon business owners can now apply for Economic Injury Disaster Loans here.
Businesses in Beaverton can apply for $2,500 per month in rent or mortgage reimbursement if they were ordered to close as a result of the government’s coronavirus guidelines. These businesses can apply for this funding through the Emergency Business Assistance Program here.
In Hillsboro, small business owners can apply for business support grants, loans, and rental assistance. The City of Hillsboro has created a fund of $500,000 with grants available to small businesses in amounts of up to $5,000. You can apply for one of these emergency grants here. Although the city has not finalized the details of the emergency loan program, they have allocated $500,000 to this program and will offer low interest loans to small and medium-sized businesses.
Finally, for households struggling to pay rent, the city has allocated an immediate $50,000 to help 42 households with up to $1,200 in rental assistance. An additional $50,000 will follow. You can learn more about how to apply for rental assistance here.
In Portland, businesses with the Jade District and Old Chinatown can apply for grants through the Jade District Small Business Response Fund. This fund has allocated $190,000 for relief grants and priority will be given to Asian and Pacific Islander-owned businesses. You can learn more about eligibility and application requirements here.
Portland has set up their own small business relief fund grant. The Portland Small Business Relief Fund loan program will open Wednesday, April 8. Up to $50,000 in zero-interest loans will be available for Portland businesses with $5 million or less in annual gross revenue. You can learn more about eligibility and more here
Oregon’s Work Share provides an alternative for employers and workers who may be facing the prospect of a lay off situation. With Work Share, instead of reducing staff, an employer reduces the hours of work for a group of workers. Partial Unemployment Insurance benefits are then paid to supplement workers' reduced wages. Additional information, program requirements, and application can be found here
Oregon District OfficeSBA District Office620 SW Main Street, Suite 313Portland, OR503-326-2682

Pennsylvania

Pennsylvania has been declared a disaster area due to the virus outbreak, meaning affected Pennsylvania business owners can now apply for Economic Injury Disaster Loans here.
Through the COVID-19 Working Capital Access Program (CWCA), small businesses can apply for loans of up to $100,000. These loans will have terms of three years with a 12-year amortization—no payments will be due during the first year. These loans have 0% interest, except for agricultural produces, which will have a fixed interest rate of 2%.
The CWCA program is being administered by the Pennsylvania Industrial Development Authority (PIDA) and loan applications must be submitted through a Certified Economic Development Organization (CEDO). You can find information about the program and your local CEDO here.
For businesses in Philadelphia, the COVID-19 Small Business Relief Fund offers three different programs for funding. First, the microenterprise grant program offers grants up to $5,000 for b businesses with annual revenue under $500,000. For businesses that have annual revenue between $500,000 and $3 million, the fund offers grants up to $25,000. Finally, for businesses with annual revenue between $3 million and $5 million, the program offers zero-interest loans of $25,000 to $100,000. You can apply for any of these programs here.
Pennsylvania’s Shared-Work plan allows an employer to temporarily reduce the work hours of a group of employees and divide the available hours equally rather than laying off any employees. Employees covered by a Shared-Work plan receive a percentage of their Unemployment Compensation (UC) Weekly Benefit Amount (WBA), while they work the reduced schedule, if they are otherwise eligible for UC. Shared-Work allows you, the employer, to retain your workforce during a temporary slowdown and then quickly ramp up operations without the expense of recruiting, hiring and training new employees. At the same time, Shared-Work helps to protect your employees from the financial hardship of a full layoff. Additional information, program requirements, and application can be found here
Pennsylvania District OfficeSBA District Office660 American Avenue, Suite 301King of Prussia, PA610-382-3062

Puerto Rico

Puerto Rico has been declared a disaster area due to the virus outbreak, meaning affected Puerto Rico business owners can now apply for Economic Injury Disaster Loans here.
Puerto Rico District Office
SBA District Office
273 Avenida de la Constitucion San Juan, Puerto Rico787-766-5572

Rhode Island

Rhode Island has been declared a disaster area due to the virus outbreak, meaning affected Rhode Island business owners can now apply for Economic Injury Disaster Loans here.
Small businesses and restaurants in Rhode Island can apply for a bridge loan through the state’s Short-Term Bridge Loans for Relief program. Through this program, you can access a six-month, interest-free loan up to $5,000 to cover expenses after applying for an SBA disaster loan. To qualify, you must be able to show a completed application for the SBA EIDL program.
Learn more and apply here.
In addition, the Rhode Island Superior Court has launched a Business Recovery Plan in which the court will provide supervised protections that allow businesses to remain operational, access capital, and pay debts. You can find more information on this program here.
For businesses in Pawtucket, Rhode Island, emergency loans are available in amounts up to $10,000 as part of the Pawtucket Business Development Corporation (PBDC) COVID-19 Emergency Loan Program. These loans have a 2% interest rate and a deferment period of 12 months. After the deferment period, the term of the loan will be two years.
You can find more information and download an application form for this program here.
Rhode Island employers may be able to avoid layoffs by choosing the WorkShare alternative. Previously in a temporary layoff situation, employers who hoped to reemploy their workers ran the risk of losing those skilled workers to other business opportunities. The WorkShare program allows employers to retain their skilled workers during times of slowdown by simply reducing the work hours of a larger group of employees. Employees whose hours and wages are reduced would be eligible to receive a portion of their regular unemployment insurance benefits to compensate for the lost wages. In addition to sparing employers the potential loss of its existing workforce, WorkShare also spares a company's employees the financial and emotional hardship associated with a layoff situation. Additional information, program requirements, and application can be found here
Rhode Island District OfficeSBA District Office380 Westminster Street, Room 511Providence, RI401-528-4561

South Carolina

South Carolina has been declared a disaster area due to the virus outbreak, meaning affected South Carolina business owners can now apply for Economic Injury Disaster Loans here.
In Columbia, the City Council has launched a “Resilient Columbia” plan, which includes $500,000 for zero interest forgivable loans for small businesses with less than 100 employees. Additionally, this plan allocates $500,000 for crucial nonprofit programs and it allows bars and restaurants to avoid and void penalties on hospitality tax payments until June. Learn more here.
South Carolina District OfficeSBA District Office1835 Assembly Street, Suite 358Columbia, SC803-765-5377