Find coronavirus financial support for your business
Coronavirus (COVID‑19) support is available to employers and the self-employed, including sole traders and limited company directors. You may be eligible for loans, tax relief and cash grants, whether your business is open or closed.
Use this business support finder to see what support is available for you and your business.
pay your deferred VAT in equal instalments, interest free
choose the number of instalments, from 2 to 11 (depending on when you join)
Instalment options available to you
The month you decide to join the scheme will determine the maximum number of instalments that are available to you. If you join the scheme in March, you’ll be able to pay your deferred VAT in 11 instalments or fewer.
The following table sets out the monthly joining deadlines (to allow for Direct Debit processing) and the corresponding number of maximum instalments (including the first payment):
If you join by
Number of instalments available to you
19 March 2021
11
21 April 2021
10
19 May 2021
9
21 June 2021
8
How to join
Before joining, you must:
create your own Government Gateway account (if you do not already have one)
submit any outstanding VAT returns from the last 4 years – otherwise you’ll not be able to join the scheme
If you join the scheme, you can still have a Time to Pay arrangement for other HMRC debts and outstanding tax.
If you cannot use the online service
There may be circumstances where you cannot use the online service, for example if you:
do not have a UK bank account
cannot pay by Direct Debit
have dual signatories on your account
If you want to join the new payment scheme, but cannot use the online service, contact the COVID-19 helpline on Telephone: 0800 024 1222. An adviser will help you join.
Correcting errors on VAT returns for the VAT deferral period
The VAT deferral period covered accounting periods for:
February 2020
March 2020
April 2020
May 2020 – for payment on account customers and certain non-standard tax periods only, in addition to the above periods
If you notice an error on a VAT return which relates to a period covered by the scheme, you should:
Deferring extra payments resulting from error corrections
If you want to defer extra payments resulting from error corrections, contact the COVID-19 helpline (Telephone: 0800 024 1222) after both of the following have happened:
HMRC have processed your error correction
you’ve received a statement of account confirming the balance
You can then either:
include the payments in your deferred balance and pay in full by 31 March 2021
include the payments in your deferred balance and join the new payment scheme while it is open
contact HMRC if you need more help to pay on Telephone: 0800 024 1222
You cannot include extra payments after you’ve joined the scheme. Any error correction relating to the deferral period that is notified to HMRC after 31 March 2021, cannot be deferred.
You may be contacted by HMRC if we’ve carried out a VAT compliance check and found that extra payments are due for the deferral period. You must also contact our COVID-19 helpline (Telephone: 0800 024 1222) if you want to defer these payments.
The Additional Restrictions Grant (ARG) provides local councils with grant funding to support closed businesses that do not directly pay business rates as well as businesses that do not have to close but which are impacted. In addition, larger grants can be given than those made through LRSG (Closed).
Local councils can determine which businesses to target and determine the amount of funding from the ARG.
Eligibility
Local councils have the freedom to determine the eligibility criteria for these grants. However, we expect the funding to help those businesses which – while not legally forced to close – are nonetheless severely impacted by the restrictions.
This could include:
businesses which supply the retail, hospitality, and leisure sectors
businesses in the tourism and events sectors
business required to close but which do not pay business rates
Businesses excluded from the fund
You cannot get funding if:
your business is in administration, insolvent or has been struck off the Companies House register
you have exceeded the permitted subsidy limit
You must notify your local council if your situation changes and you no longer meet the eligibility criteria, for example, if you become insolvent.
Subsidy allowance
The new domestic subsidy allowance for the COVID-19 business support grants took effect on 4 March 2021. Applications made prior to that date are subject to the previous rules.
This scheme is covered by 3 subsidy allowances:
Small Amounts of Financial Assistance Allowance – you’re allowed up to £335,000 (subject to exchange rates) over any period of 3 years
COVID-19 Business Grant Allowance – you’re allowed up to £1,600,000
COVID-19 Business Grant Special Allowance – if you have reached your limits under the Small Amounts of Financial Assistance Allowance and COVID-19 Business Grant Allowance, you may be able to access a further allowance of funding under these scheme rules of up to £9,000,000, provided certain conditions are met
Grants under these 3 allowances can be combined for a potential total allowance of up to £10,935,000 (subject to exchange rates).
How to apply
Visit your local council’s website to find out how to apply.
Businesses that have not had to close but which have been severely impacted due to local Tier 2 or Tier 3 restrictions may be eligible for LRSG (Open).
Eligible businesses may be entitled to a cash grant from their local council for each 14 day period under local restrictions.
Local councils have the discretion to provide grant funding for businesses under this scheme. They will use their discretion in identifying the right businesses to receive this funding, based on their application process.
Application deadline
The deadline to apply for the LRSG (Open) scheme is 31 March 2021.
Eligibility
Your business may be eligible if it:
is based in England
is in an area subject to Tier 2 or Tier 3 local restrictions since 1 August 2020 and has been severely impacted because of the local restrictions
was established before the introduction of Tier 2 or Tier 3 restrictions
has not had to close but has been impacted by local restrictions
Local councils have the freedom to determine the precise eligibility criteria for these grants. However, we expect the funding to be targeted at hospitality, hotel, bed & breakfast and leisure businesses.
Businesses excluded from the fund
You cannot get funding if:
your business was established after the introduction of Tier 2 or Tier 3 restrictions in your local council area
your business is in administration, insolvent or has been struck off the Companies House register
you have exceeded the permitted subsidy limit
You must notify your local council if your situation changes and you no longer meet the eligibility criteria. For example, you become insolvent.
Subsidy allowance
The new domestic subsidy allowance for the COVID-19 business support grants took effect on 4 March 2021. Applications made prior to that date are subject to the previous rules.
This scheme is covered by 3 subsidy allowances:
Small Amounts of Financial Assistance Allowance – you’re allowed up to £335,000 (subject to exchange rates) over any period of 3 years
COVID-19 Business Grant Allowance – you’re allowed up to £1,600,000
COVID-19 Business Grant Special Allowance – if you have reached your limits under the Small Amounts of Financial Assistance Allowance and COVID-19 Business Grant Allowance, you may be able to access a further allowance of funding under these scheme rules of up to £9,000,000, provided certain conditions are met
Grants under these 3 allowances can be combined for a potential total allowance of up to £10,935,000 (subject to exchange rates).
What you get
Local councils are best placed to determine local needs for supporting recovery. They will exercise their local knowledge and discretion relevant to their economic need to provide grant funding.
The grant will be based on the rateable value of the property on the date of the start of the local restrictions. We anticipate local councils will provide funding under the following tiers, unless there is a local need to deviate.
If your business has a property with a rateable value of £15,000 or less, you may be eligible for a cash grant of up to £467 for each 14 day period.
If your business has a property with a rateable value over £15,000 and less than £51,000, you may be eligible for a cash grant of up to £700 for each 14 day period.
If your business has a property with a rateable value of £51,000 or above, you may be eligible for a cash grant of up to £1,050 for each 14 day period.
In the event of national restrictions being introduced, LRSG (Open) will cease to apply, as relevant businesses will receive funding from either the:
The Kickstart Scheme provides funding to create new job placements for 16 to 24 year olds on Universal Credit who are at risk of long term unemployment. Employers of all sizes can apply for funding which covers:
If you are a supporter of the Kickstart Scheme, you can show your engagement by sharing the promotional material in your online and internal communications.
You must arrange to pay your tax bill with HM Revenue and Customs (HMRC) if you either:
miss a payment
know you cannot pay on time
If you pay a tax bill late you must pay interest on the amount you owe until it’s paid off. You can avoid penalties by arranging a payment plan with HMRC before the tax is due – or by 1 April for Self Assessment.
If you owe Self Assessment tax and your bill is less than £30,000 you may be able to pay in monthly instalments.
For any other bills or problems paying, you must contact HMRC to discuss your options. How you contact HMRC depends on what you need to pay.
If you’re getting or planning to apply for Bereavement Support Payment, Maternity Allowance or Employment and Support Allowance, contact HMRC before applying to pay your tax bill in instalments. Your benefits payments might be affected if you change how you pay your Self Assessment.
you do not have any other payment plans or debts with HMRC
your tax returns are up to date
it’s less than 60 days after the payment deadline
You do not need to contact HMRC if you set up a payment plan.
Call the Self Assessment helpline if you’re not eligible for a payment plan or cannot use the online service.
Self Assessment Payment Helpline
Telephone: 0300 200 3822
Monday to Friday, 8am to 6pm (closed on bank holidays) Find out about call charges
If you cannot pay other taxes
You might be able to set up a Time to Pay Arrangement with HMRC if you’re unable to pay any other taxes in full. This lets you spread the cost of your tax bill by paying what you owe in instalments.
How you do this depends on whether you’ve received a payment demand.
If you’ve received a payment demand, like a tax bill or a letter threatening you with legal action, call the HMRC office that sent you the letter.
If you’ve not received a bill or letter, call the Payment Support Service (PSS).
Payment Support Service
Telephone: 0300 200 3835
Monday to Friday, 8am to 6pm (closed on bank holidays) Find out about call charges
Nominated partners in business partnerships can negotiate a Time to Pay Arrangement with HMRC on behalf of the partnership or individual partners.
Apply for a coronavirus Bounce Back Loan
The Bounce Back Loan Scheme (BBLS) enables smaller businesses to access finance more quickly during the coronavirus outbreak.
The scheme helps small and medium-sized businesses to borrow between £2,000 and up to 25% of their turnover. The maximum loan available is £50,000.
The government guarantees 100% of the loan and there won’t be any fees or interest to pay for the first 12 months. After 12 months the interest rate will be 2.5% a year.
The scheme is open to applications until 31 March 2021.
If you already have a Bounce Back Loan but borrowed less than you were entitled to, you can top up your existing loan to your maximum amount. You must request the top-up by 31 March 2021.
If you’ve already received a loan of up to £50,000 under one of these schemes you can transfer it into the Bounce Back Loan scheme. You have until 31 March 2021 to arrange this with your lender.
How long the loan is for
The length of the loan is 6 years, but you can repay early without paying a fee. No repayments will be due during the first 12 months.
Before your first repayment is due, your lender will contact you about further options to:
extend the term of your loan to 10 years
move to interest-only repayments for a period of 6 months (you can use this option up to 3 times)
pause your repayments for a period of 6 months (you can use this option once)
How to apply
There are 29 lenders participating in the scheme including many of the main retail banks. You should approach a suitable lender yourself via the lender’s website.
The lender will ask you to fill in a short online application form and self-declare that you are eligible.
The lender will decide whether to offer you a loan or another type of finance and you’ll be responsible for repaying 100% of the amount borrowed.
You may want to consider using a broker to find the right type of finance for your needs, or do your own research using the British Business Bank’s finance guide.
If you want to borrow £30,000 or more, you also need to confirm that your business wasn’t classed as a business in difficulty on 31 December 2019.
Who cannot apply
Businesses from any sector can apply, except:
banks, insurers and reinsurers (but not insurance brokers)
public-sector bodies
state-funded primary and secondary schools
How long the loan is for
The maximum length of the facility depends on the type of finance you apply for and will be:
up to 3 years for overdrafts and invoice finance facilities
up to 6 years, for loans and asset finance facilities
How to apply
There are 117 lenders participating in the scheme including all the main retail banks. You should approach a suitable lender yourself via the lender’s website.
You’ll need to tell the lender:
the amount you’d like to borrow
what the money is for
how long you’d like to pay it back
Supporting documents
You’ll need to provide documents that show you can afford to repay the loan.
These may include:
management accounts
cash flow forecast
business plan
historic accounts
details of assets
The documents required will vary from lender to lender and depend on how much you’re asking for. If you’re asking your existing lender for a small loan, the process may be automated and not require all of the documents.
The lender will check that the loan is:
for a suitable business purpose
affordable for you
the right type of finance for your needs
The lender will decide whether to offer you a loan or another type of finance and you’ll be responsible for repaying 100% of the amount borrowed.
You may want to consider using a broker to find the right type of finance for your needs, or do your own research using the British Business Bank’s finance guide.
We made temporary changes to the Employment Insurance (EI) program to better support Canadians who need financial assistance. As of September 27, 2020, the minimum benefit rate for EI regular claimants is $500 per week before taxes in most cases.
If you’ve received this benefit in 2020, learn how to report it for your tax return.
CANADA RECOVERY SICKENESS BENEFIT
The CRSB provides $500 ($450 after taxes withheld) per week for up to a maximum of two weeks, for workers who:
Are unable to work for at least 50% of the week because they contracted COVID-19
Are self-isolated for reasons related to COVID-19
have underlying conditions, are undergoing treatments or have contracted other sicknesses that, in the opinion of a medical practitioner, nurse practitioner, person in authority, government or public health authority, would make them more susceptible to COVID-19.
If you’ve received this benefit in 2020, learn how to report it for your tax return.
CANADA RECOVERY CAREGIVING BENEFIT (CRCB)
The CRCB provides $500 ($450 after taxes withheld) for up to 26 weeks per household for workers:
unable to work for at least 50% of the week because they must care for a child under the age of 12 or family member because schools, day-cares or care facilities are closed due to COVID-19
because the child or family member is sick and/or required to quarantine or is at high risk of serious health implications because of COVID-19.
If you’ve received this benefit in 2020, learn how to report it for your tax return.
MORTGAGE PAYMENT DEFERRAL
Homeowners facing financial hardship may be eligible for a mortgage payment deferral.
The deferral is an agreement between you and your lender. Typically, the agreement indicates that you and your lender have agreed to pause or suspend your mortgage payments for a certain amount of time. After the agreement ends, your mortgage payments return to normal and the deferred payments — including principal and accumulated interest – are added to the outstanding principal balance and subsequently repaid throughout the life of the mortgage.
To know if you are eligible for a mortgage payment deferral or to learn what options are available, contact your lender — your bank or your mortgage professional.
CANADA EMERGENCY BUSINESS ACCOUNT (CEBA) INTEREST-FREE LOANS
The Canada Emergency Business Account (CEBA) provides interest-free, partially forgivable, loans of up to $60,000, to small businesses and not-for-profits, that have experienced diminished revenues due to COVID-19 but face ongoing non-deferrable costs, such as rent, utilities, insurance, taxes and wages.
We have recently expanded CEBA to include an additional interest-free $20,000 loan, 50% of which would be forgivable if repaid by December 31, 2022.
This means the additional loan effectively increases CEBA loans from the existing $40,000 to $60,000 for eligible businesses, of which a total of $20,000 will be forgiven if the balance of the loan is repaid by December 31, 2022.
Business owners can apply for support until March 31, 2021 through their banks and credit unions.
The Canada Emergency Rent Subsidy (CERS) provides a direct and easy-to-access rent and mortgage subsidy of up to 65% of eligible expenses to qualifying businesses, charities and non-profits. This support is available directly to tenants.
Lockdown Support
Qualifying organizations that have been significantly restricted by a mandatory public health order issued by a qualifying public health authority can receive an additional 25% of rent support through the Lockdown Support.
The combined effect of the rent subsidy and the Lockdown Support is that hard-hit businesses, non-profits and charities subject to a lockdown can receive rent support of up to 90%.
HIGHLY AFFECTED SCTORS CREDIT AVAILABILITY PROGRAM (HASCAP)
The Highly Affected Sectors Credit Availability Program (HASCAP) provides businesses heavily impacted by COVID-19, access guaranteed, low-interest loans of $25,000 to $1 million to cover operational cash flow needs.
HASCAP is available to businesses that operate in sectors such as tourism and hospitality, restaurants and those that primarily rely on in-person services.
The program is available at some participating financial institutions. Other participating financial institutions will deploy the program progressively over the days that follow.
LOAN GUARANTEE FOR SMALL AND MEDIUM-SIZED ENTERPRISES
Through the Business Credit Availability Program, Export Development Canada (EDC) is working with financial institutions to guarantee 80% of new operating credit and cash flow term loans of up to $6.25 million to small and medium-sized enterprises (SMEs).
This financing support is to be used for operational expenses and is available to both exporting and non-exporting companies.
CO-LENDING PRGRAM FOR SMALL & MEDIUM-SIZED ENTERPRISES
Through the Business Credit Availability Program, Business Development Canada (BDC) is working with financial institutions to co-lend term loans of up to $6.25 million to SMEs for their operational cash flow requirements.
The program offers differing maximum finance amounts based on business revenues.
We are providing over $1.5 billion through the Regional Relief and Recovery Fund (RRRF) to help more businesses and organizations in sectors such as manufacturing, technology, tourism and others that are key to the regions and to local economies. This fund is specifically targeted to those that may require additional help to recover from the COVID-19 pandemic, but have been unable to access other support measures.
We are supporting Black business owners and entrepreneurs through the Black Entrepreneurship Loan Fund that will provide loans of between $25,000 and $250,000.
The Loan Fund will begin accepting applications in May 2021.
MID-MARKET FINANCING PROGRAM
Through the Business Credit Availability Program, the Business Development Canada’s (BDC) Mid-Market Financing Program will provide commercial loans ranging between $12.5 million and $60 million to medium-sized businesses whose credit needs exceed what is already available through the Business Credit Availability Program and other measures.
BDC anticipates that qualifying companies will have annual revenues in excess of approximately $100 million.
Through the Business Credit Availability Program, EDC’s Mid-Market Guarantee and Financing Program will bring liquidity to companies who tend to have revenues of between $50 million to $300 million, to sustain operations during this uncertain period. EDC will continue to work with Canadian financial institutions to guarantee 75 % of new operating credit and cash-flow loans – ranging in size from $16.75 million to a maximum of $80 million.
These expanded guarantees are available to exporters, international investors and businesses that sell their products or services within Canada.
LARGE EMPLOYER EMERGENCY FINANCING FACILITY (LEEFF)
The Large Employer Emergency Financing Facility (LEEFF) provides bridge financing to Canada’s largest employers, whose needs during the pandemic are not being met through conventional financing, in order to keep their operations going.
The additional liquidity provided through LEEFF allows Canada’s largest businesses, their workers and their suppliers to remain active during this difficult time, and position them for a rapid economic recovery.
This program is delivered by the Canada Development Investment Corporation, in cooperation with Innovation, Science and Economic Development Canada and the Department of Finance.
We are providing $306.8 million in funding to help small and medium-sized Indigenous businesses, and to support Aboriginal Financial Institutions that offer financing to these businesses.
The funding will allow for short-term, interest-free loans and non-repayable contributions through Aboriginal Financial Institutions, which offer financing and business support services to First Nations, Inuit, and Métis businesses.
Financial support for Indigenous businesses will be provided through Aboriginal Financial Institutions, and administered by the National Aboriginal Capital Corporations Association and the Métis capital corporations in partnership with Indigenous Services Canada.
SUPPORTING BUSINESS THROUGH THE PANDEMIC AND INTO RECOVERY
We are providing non-repayable financial contributions to help support operating costs for First Nation, Inuit and Métis community-or collectively-owned businesses and microbusinesses whose revenues have been affected by the COVID-19 pandemic.
The fund seeks to provide support for businesses that do not qualify for other Government of Canada COVID-19 relief measures.
We have extended the maximum duration of the Work-Sharing program from 38 weeks to 76 weeks for employers affected by COVID-19. This measure will provide income support to employees eligible for Employment Insurance who agree to reduce their normal working hours because of developments beyond the control of their employers.
Certain Goods Remission Order (COVID-19)
Customs Notice 20-19
Ottawa, May 6, 2020
1) This notice provides information on the Certain Goods Remission Order (COVID-19), SOR-2020-101, which allows for the relief of customs duty for eligible goods which were imported on or after . This relief can be claimed at the time of importation or within two years of the date of importation.
2) Appendix A provides a list and description of goods based on tariff classification which are eligible for relief under this Order. Appendix B provides a list of other medical supplies that are not subject to this Order as they are already eligible for Most-Favoured Nation duty-free tariff treatment
3) The administration of this remission order is the responsibility of the Canada Border Services Agency (CBSA).
a) the good was imported into Canada on or after and subject to customs duties;
b) no other claim for relief of the customs duties has been granted under the Customs Tariff in respect of the good;
c) the importer files, on request, the evidence or information that the Canada Border Services Agency requires to determine eligibility for remission;
d) the importer agrees that it is subject, at any time, including after remission relief is provided, to review by the Canada Border Services Agency for the purpose of determining whether the information supplied by the importer under paragraph (c) is accurate and complete and whether the facts on which the Canada Border Services Agency relied or intends to rely to determine the eligibility for remission remain unchanged in all material respects; and
e) at the time when the Canada Border Services Agency conducts the review referred to in paragraph (d), the Canada Border Services Agency must be able to conclude that the information supplied remains accurate and complete and that the facts remain unchanged in all material respects.
5) All claims for relief of customs duties under the remission order for these goods must also include all relevant documents (e.g. copy of original Form B3-3, bill of lading, sales invoice, waybill, sales contract, etc.) that demonstrate that the imported good matches the list of goods in Appendix A, was imported into Canada on or after and subject to customs duties.
How to Apply
6) In respect of commercial goods, to obtain relief of customs duties at time of import, special authorization code 20-304 is to be entered in field 26 – Special Authority of Form B3-3.
7) Casual goods, at time of import, Form BSF715 or BSF715-1 Casual Goods Accounting Document, for the accounting of goods subject to this remission order, will be prepared according to standard procedures without collection of duty.
Examinations and Verifications
8) Importations may be subject to examination at the time of importation and to post-release verification for compliance with the Tariff Classification, Valuation, Origin and Marking programs, and any other applicable programs or provisions administered by the CBSA. If non-compliance is encountered by the CBSA, in addition to assessments of any applicable customs duties and taxes, penalties may be imposed and interest will be assessed, where applicable.
10) The CBSA may re-determine or further re-determine the origin, tariff classification, and/or value for duty on its own initiative or in response to a self-adjustment. The CBSA may assess any undeclared amount of customs duty that is not eligible.
13) For more information on the administration of the Certain Goods Remission Order (COVID-19), within Canada call the Border Information Service at 1-800-461-9999. From outside Canada call 204-983-3500 or 506-636-5064. Long distance charges will apply. Agents are available Monday to Friday (08:00 – 16:00 local time / except holidays). TTY is also available within Canada: 1-866-335-3237.
*The descriptions below are for illustrative purposes only. Customs duty relief is applicable to all goods under these tariff items.
EDC BUSINESS CREDIT AVAILABILITY PROGRAM (BCAP) GUARANTEE
Who can apply
If your business needs access to working capital to cover operational costs as a result of the COVID-19 pandemic, you may be eligible for the EDC BCAP Guarantee. This guarantee is for new operating lines of credit or new term loans to support your cash flow needs.
Coronavirus and Forbearance Info for Students, Borrowers, and Parents
At the U.S. Department of Education (ED) office of Federal Student Aid, we are actively monitoring the coronavirus/COVID-19 emergency.
COVID-19 Emergency Relief Flexibilities Extended Through at Least Sept. 30, 2021
We will continue to update this page as more information becomes available.
Federal Student Loan Borrowers Get New Exemption in Small Business Administration Paycheck Protection Program
Learn more in the NEW Q&A in the “Loans in Default” section below.
On March 20, 2020, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans: suspension of loan payments, stopped collections on defaulted loans, and a 0% interest rate.
On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) became law, providing for the above relief measures on ED-owned federal student loans through Sept. 30, 2020.
On Aug. 8, 2020, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through Dec. 31, 2020.
On Dec. 4, 2020, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through Jan. 31, 2021.
On Jan. 20, 2021, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through at least Sept. 30, 2021.
Below, we have answered questions about these COVID-19 emergency relief measures and the resulting flexibilities for federal student loans. You will also find answers to questions about preparing for payments to resume.
For most people, the IRS has already delivered payments from the CARES Act last year and will automatically deliver payments from the Consolidated Appropriations Act in early 2021.
The IRS delivered payments from the CARES Act to eligible adults who filed a 2018 or 2019 tax return or registered for a payment using the Non-Filers tool, and will use the same information to deliver payments from the Consolidated Appropriations Act in early 2021.
If you have not received either payment or believe IRS does not have the right information (you have a new offspring/dependent, you moved, etc.), you can file a 2020 tax return and claim the amount as the Recovery Rebate Credit.
You may also need Notice 1444 Economic Impact Payment. This document shows how much of a payment you received in 2020, if any. This amount is needed to calculate any Recovery Rebate Credit you may be eligible for.
Those with little or no taxable income are encouraged to use the IRS Free File Program.
In addition to federal support, there are state resources available to you + your business at this difficult time.
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ATLANTA
For a ATL-specific, small business COVID-19 resource list, click here.
Through the ATL Business Continuity Loan Fund, businesses can apply for a loan between $5,000 and $30,000 to cover rent and mortgage payments and employee wages. For more info click here.
Take the Atlanta COVID-19 Emergency Program Interest Survey to help Mayor Keisha Lance Bottoms allocate $7 million in emergency funds. Click here for the survey.
File a new claim if you have already applied for UI but are eligible for PUA because you are a business owner, independent contractor, self-employed worker, freelancer, or gig worker affected by COVID-19, and you have not already appealed a $0 award notice, been asked to verify your identity, or requested a wage investigation.
If you are a small business owner, independent contractor, self-employed worker, freelancer, or gig worker, here’s how to answer key questions in the application form:
On the Employment History screen when you supply your last employer information, select “No.”
On the Availability Information page, answer question 7 with “No.”
On the Disaster Information page, answer question 1a.3 with “You are an independent contractor.” If you got paid in cash, select “None of these options apply to me.”
If you have run out of benefits, you are unemployed, and your benefit year has expired, reapply for benefits through UI Online.
If you have run out of benefits but you are still within the one year that your claim is good for, and your benefits:
Ran out before February 2, you are probably not eligible for PUA. (You would have to show that you are unemployed because of COVID-19.) You may be eligible for the federal 13-week extension. We will notify you about what to do.
Were for weeks you spent unemployed between February 2 and March 21, we will send you a form to fill out to supply information not already in your claim. When you get the form, fill it out and return it.
If you received your last payment for weeks you were unemployed on or after March 21 and are still within your benefit year, we will automatically extend your claim for 13 weeks. We will notify you that we have done that and when you can certify.
If you applied for unemployment assistance but didn’t qualify (for example, because you voluntarily quit or you were fired or discharged by your employer), or you are serving a penalty because of false statements on a past claim, you could be eligible for PUA. We will send you a form to fill out to supply information not already in your account. When you get the form, fill it out and return it.
SMALL BUSINESS SUPPORT
California Small Business COVID-19 Relief Grant Program
On February 17th, Governor Newsom and the California State Legislature Leadership announced anImmediate Action Agreementto support additional funding for the CA Relief Grant program. Please stay tuned for further details pending final legislative action.We appreciate your patience during this time
Option 1: 0% for a term of up to 18 months, with repayment deferred for up to 6 months
Option 2: 3% for a term of up to 5 years, with repayment deferred for up to 12 months (for profit businesses)
Option 3: 2% for a term of up to 5 years, with repayment deferred for up to 12 months (for tax-exempt businesses)
LOS ANGELES
Eligible Borrowers: For-profit and tax-exempt businesses in the City of LA with 100 or fewer employees that have been negatively impacted by the COVID-19 outbreak and will make their best effort to continue or re-establish their business operations and employees
Borrower Eligibility:
Business must have a Business Tax Registration Certificate with the City of Los Angeles’ Office of Finance that was filed prior to March 01, 2020
Credit:
There is no credit minimum, however the principal business owner(s) must have reasonable and responsible personal credit history and an acceptable explanation for any derogatory marks
Bankruptcies and debt write-offs must be at least 12 months old
Cash Flow:
Businesses must show that historical profits would have been sufficient to service the requested debt and that they have been impacted by the COVID-19 outbreak
Location:
Primary business operation must be physically located in a commercial–use building within City of Los Angeles boundaries
Required Guarantors:
All business owners who hold 20% or more ownership must guarantee the loan
Co-Signer:
A co-signer with reasonable credit and sufficient income to re-pay the loan can be included as a guarantor to mitigate weaknesses in the loan request.
For more details on the micro-loan program, click here.
An executive order protects you from eviction if coronavirus or the quarantine impacted your ability to pay all or part of your rent between March 4, 2020, and August 31, 2020.
The Tenant, Homeowner and Small Landlord Relief and Stabilization Act protects you from eviction if you are unable to pay some or all of your rent due to coronavirus or the quarantine between September 1, 2020, and June 30, 2021. You’ll need to pay at least 25% of your rent for this period. You can do that monthly or in one lump sum by June 30, 2021.
In both situations, you must provide your landlord with a declaration of financial hardship. Make sure you:
Explain your financial situation to your landlord and tell them how much you can pay
Save all financial documents
Pay as much of your rent as you can
If your landlord is attempting to evict you and you took all the above steps, contact a local legal aid provider and learn about your protections.
The Water Board restricts the shut off of water during the COVID crisis. Report any water shutoff or reconnect issue at COVID-19 Water Shut-Off Complaint Report.
Homeowners and small landlords
Foreclosure protection is available for homeowners and small landlords who have federally-backed mortgages through the federal Coronavirus Aid, Relief and Economic Security (CARES) Act. This includes landlords with four or fewer properties (whether or not they’re owner-occupied).
Homeowners or small landlords who don’t have federally-backed loans can contact their loan servicers to request forbearance. Your lender must provide detailed reasons if they deny your forbearance request. You can contest a denial.
These financial institutions may be able to reduce or delay your monthly payment. In addition, they will:
Give you a streamlined process to request forbearance for coronavirus-related reasons, supported with available documentation
Confirm approval of and terms of the forbearance program
Provide the opportunity to extend your forbearance agreement if you continue to experience hardship due to coronavirus
If you’re experiencing homelessness, you can contact your local homeless continuum of care. In many communities, you can also call 211 for help.
You may be able to get a hotel or motel room through Project Roomkey and the state’s partnership with Motel 6.
Homeless assistance providers
If you’re a homeless assistance provider, determine your community’s need for rooms before you request support from the state. Work with your local continuum of care, emergency management, social services, tribes, and other partners.
California has set aside $150 million in emergency funding to protect the homeless during the coronavirus. Here are some FAQs for homeless assistance providers about those funds.
Temporary housing for essential workers
Housing for the Harvest offers temporary housing to agriculture and food processing workers who need to isolate due to coronavirus infection or exposure. Under this program, the state will pay for hotel rooms for agricultural workers who need to self-isolate.
The Non-Congregate Sheltering (NCS) for California Healthcare Workers Program keeps healthcare workers safe and reduces the spread of the coronavirus. It provides hotel rooms to healthcare workers who give critical care to COVID-19 patients so they don’t bring home the virus to their household. Visit Hotel rooms for California healthcare workers to find out about program eligibility and how to reserve a room.
City and County Eviction Ordinances Due to the COVID-19 Pandemic
This list represents local eviction ordinances due to the COVID-19 pandemic that are in effect until noted. More extensive protections may apply. Seek legal advice to better understand these laws. LawHelpCA.org provides as list of legal aid organizations based on city and county. This is list was created on 9/24/20 and includes information available at that time.
While comprehensive, this list may not include every city and county ordinance.
MISCELLANEOUS
School Reopening for In-Person Instruction Status
Use interactive maps to see school district, charter school and private school status on reopening, safety planning, and COVID-19 resources. Click here to learn more.
COLORADO (DENVER)
Click here for a link to Denver Business Assitance Programs for information regarding grants, loans, local support, and taxes.
TAX EXTENSION, LATE FEE WAIVED! Denver businesses won’t have to pay the 15% late fee if they’re unable to pay their business taxes that are due in March or April.
In response to COVID-19, Denver has also launched the Small Business Relief Program, designed to assist eligible small businesses that may have had to temporarily close, have difficulty with paying their rent and utilities, or have had to lay off staff. which…
Prioritizes those industries who are most impacted by the coronavirus pandemic, such as the food industry, nail salons, barbershops, home childcare providers, and retail shops.
For information on the CT Recovery Bridge Loan Program, click here.
EFFECTIVE IMMEDIATELY: the DRS extends the filing deadline for certain annual state business tax returns – for more info, click here.
For general resources (updated continually by the State) regarding small buisnesses in CT, click here.
DELAWARE
CRISIS RELIEF LOANS by Capital Good Fund
If you need money, but have less-than-perfect credit, there’s no better option than a loan from Capital Good Fund. We offer a variety of loan products to help you out in a pinch. We’re more flexible than banks and won’t rip you off like cash advance/payday lenders. You’ve just found your place for easy, honest, affordable loans.
Capital Good Fund is authorized by the state of Delaware to provide affordable loans to its residents. Our loans can be used for a bunch of different things. Whether you need to repair an automobile, buy a computer, cover the costs of immigration, pay the security deposit for an apartment, or just need a quick cash boost, we’ve got you covered! We currently offer the following loans in your state.
If you have any questions call us at 866-584-3651, send us an email at loans@capitalgoodfund.org or use the blue chat box at the bottom of the page.
How much is my monthly payment?
Those impacted by Covid-19: We are offering a special loan for those impacted by the coronavirus. Click here for full details.
CRISIS RELIEF LOANS
$300 to $1500 • 5% Annual Percentage Rate
For financial emergencies related to Covid-19 such as medical expenses, grocery purchases, rent, etc.
No closing fees. No down payment. 15 month repayment. 90-day deferment of payment start date. 12 monthly payments starting on month 4.
$700 to $20,000 • 12 – 15.99% to 24% Annual Percentage Rate
For paying fees for acquiring U.S. citizenship, securing or renewing a Green Card, applying for family members to come to the U.S., and other immigration steps.
No closing fee or down payment. Monthly repayment over 2 to 4 years.* Example Lifetime Cost: A $1,000 loan costs $1,269.
* Depending on loan size
For info on FL’s state business recovery information, click here.
FINANCIAL SUPPORT
MIAMI-DADE COUNTY
APPLY FOR A MOM AND POP SMALL BUSINESS GRANT
The Mom and Pop Small Business Grant Program offers funding opportunities for small owned and operated businesses to purchase equipment, supplies, advertising/marketing, inventory, building liability insurance, security systems and to make minor renovations. Website linked here
MIAMI-DADE COUNTY
Business Grants
Green Business Rehabilitation Grant (PDF)
The City of North Miami is providing grants of up to $10,000 to help small business owners in North Miami make improvements to business facilities, increase energy- efficiency and lower energy bills.
Each Legacy business is allowed up to $5,000. The goal is to assist longstanding North Miami Businesses to alleviate job loss caused by business closures related to social distancing by providing short-term working capital assistance to small businesses to enable retention of jobs held by low- and moderate-income persons.
Each business is allowed to receive up to $1,000 in grant award. The goal is to assist North Miami Businesses by providing short-term working capital assistance to small businesses to enable retention of jobs held by low- and moderate-income persons to alleviate job loss caused by business closures related to Covid-19.
Each business is allowed up to a $1,500 grant award. The goal for this program is to help small businesses expand their market reach by investing in greater hardware and software applications that will allow them to offer their goods and services to an e-commerce online customer base.
Business grants are a source of funding for property owners and occupants to renovate their buildings within the City of New Port Richey. Business grants stimulate job creation, promote property improvements, and lead to higher property values. The outcome is an enhanced quality of life for the City’s residents.
Funds are granted based on the capacity of the City Budget, and approval by the Economic Development Department before the start of work. Once approved, projects must be started within 60 days of a building permit being issued, or be completed within 12 months of signing the Grant Agreement (unless a written extension is requested and approved). Business grants are distributed as reimbursements once the project is completed.
The City will cease its review of grant applications for the current fiscal year once the fiscal year’s grant funds have been completely allocated. Applicants are encouraged to re-submit at the start of the new fiscal year in October.
TARGETED BUSINESSES
• Professional occupations, tourists, eco-tourism, empty-nesters, millennial or retired.
• Workers – business lunches, after work social, and business services
• Local & Downtown Residents – essential neighborhood services
TARGETED AREAS
• Downtown
• Marine District – Community Hospital Area
• Highway 19 Corridor
Applications can be downloaded from the City website, picked up from the Economic Development Department in City Hall, or requested via email. For more information call the Economic Development Department at (727) 853-1019.
This grant provides incentives to property and business owners, in the form of a grant award, for improving the exterior of commercial buildings including signage, awnings, parking lots and landscaping to encourage retention and relocation of businesses to target areas within the Redevelopment Area, increase occupancy, improve appearance, and meet commercial codes.
Eligible projects may receive grant award of up to 50% of the cost of materials and professional contracted labor for pre-approved and completed exterior renovations. Each store front/business address is eligible for a maximum of $25,000 over a two year period. Once an application has been submitted for reimbursement, it will take up to 30 business days to process.
The Commercial Interior Build-Out Program is designed to provide financial assistance to new and existing businesses in the form of a grant award intended to reduce the initial costs associated with the repair and rehabilitation of buildings or other improvements in accordance with the CRA Community Redevelopment Plan. Improvements paid for by the CRA must be permanent and stay with the building.
The Commercial Interior Build-Out Grant Program offers financial assistance in the form of a (50%) grant up to $25,000 to the landlord or business owner for eligible expenses associated with the construction or renovation of the interior elements of the commercial operating space. Each store front/business address is eligible for a maximum of $25,000 over a two year period.
The Commercial Rent Reimbursement Grant Program is designed to help facilitate the establishment of new businesses and aid in the expansion of existing businesses within the New Port Richey Community Redevelopment Agency (the “CRA”) District. The program is designed to provide financial assistance to new and existing businesses in the form of rent reimbursement intended to help businesses during the critical first year of operation.
Businesses are eligible for reimbursement for up to half (50%) of the business’s base monthly rent or $1,250 per month, whichever is less (maximum amount of the grant is $15,000 distributed in four quarterly payments).
The purpose of the Upper Floor Residential Program is to provide incentives in the form of grant awards to encourage the conversion of upper floors of existing commercial structures to residential units in the Downtown Zoned Redevelopment Area. The development of additional residential units is encouraged to support the development of a mixed use environment.
Eligible projects may receive 50% of approved projects for up to $7,500 per unit. . Once an application has been submitted for reimbursement, it will take up to 30 business days to process.
The Commercial Landscape Improvement Grant Program is designed to help facilitate the enhancement of new businesses and existing businesses within the New Port Richey Community Redevelopment Agency (the “CRA”) District. The program is designed to provide financial assistance to new and existing businesses in the form of a grant award intended to reduce the costs for landscaping improvements that result in more visually appealing commercial properties in accordance with the CRA Community Redevelopment Plan.
The Commercial Landscape Improvement Grant Program offers financial assistance in the form of a (50%) grant award up to $25,000 to the landlord or business owner for eligible expenses associated with improving the external appearance of their business and to encourage businesses to invest in their operations.
Commercial Redevelopment, Infill and Business Expansion Grant
The goal of this incentive is to facilitate the redevelopment of blighted or underutilized buildings in the CRA, infilling of vacant lots in the downtown area, and the expansion of existing businesses into underutilized or vacant space (tenants or property owners).
Grant funds shall be capped at 20% of the overall cost of the redevelopment project or a maximum of $100,000.
Funding is limited by the amount budgeted in the CRA each year.
Each grant award is subject to approval by the CRA board.
The Commercial Real Estate Redevelopment Grant is a CRA incentive program that serves to support private redevelopment projects with a $500,000 minimum in capital investment. This program is designed to support difficult redevelopment projects that would not happen without CRA assistance at some level.
Grant funds shall be capped at 20% of the overall cost of the redevelopment project or a maximum of $100,000.
Funding is limited by the amount budgeted in the CRA each year.
Each grant award is subject to approval by the CRA board.
The City’s Economic Development & Strategy Department has created the CDBG CARES Act Small Business Grant Program. Small businesses (25 or fewer employees), located within the City of Boynton Beach (excluding those within the CRA district) are eligible to apply for a grant up to $10,000.
Applications will be processed on a first-qualified, first-served basis. APPLY ONLINE.
Health care personnel with direct patient contact;
K-12 school employees 50 years of age and older;
Sworn law enforcement officers 50 years of age and older; and
Firefighters 50 years of age and older
2/23
Governor Ron DeSantis announced that CVS Health will now offer COVID-19 vaccinations at 81 select CVS Pharmacy, CVS Pharmacy y más, and Navarro Discount Pharmacy locations in 13 counties across Florida. Participating locationsare in the following counties: Broward (2), Collier (1), Escambia (1), Flagler (1), Hendry (1), Gadsden (1), Hillsborough (1), Manatee (1), Miami-Dade (67), Palm Beach (1), Polk (2), St. Lucie (1), and Volusia (1).
2/19
Governor DeSantis announced a partnership with FEMA to provide four new mass vaccination sites in Tampa, Orlando, Jacksonville and Miami. The sites will open on March 3 and provide 2,000 vaccines daily at each. The sites also will be paired with two mobile sites that can provide 500 vaccines daily.
For updates about the vaccine and distribution from Governor Ron DeSantis, text FLCOVID19 to 888777.
Florida has many sites that are providing COVID-19 vaccines to eligible persons, but supplies are limited and appointments may not be available at many of these sites.
Vaccine pre-registration now available
The state has developed a pre-registration system to schedule COVID-19 vaccinations for priority populations. To pre-register click here. Individuals can call and pre-register if they do not have Internet access. Please find the complete list of phone numbers by county here.
The state is prioritizing persons 65 years of age and older and health care personnel with direct patient contact and residents and staff of long-term care facilities. Please be aware that some locations are only serving very specific populations, such as frontline health care workers.
This list will be updated as more sites and vaccines become available.
HOUSING & HOMELESSNESS
Financial assistance with home energy costs.
Who is eligible for this program?
To be eligible for this benefit program, you must be a resident of Florida and you must need financial assistance with home energy costs.
A person who participates or has family members who participate in certain other benefit programs, such as SNAP, SSI, TANF, automatically meets the eligibility requirement.
To be eligible, you must have an annual household income (before taxes) that is below the following amounts:
Annual Household Income Limits (before taxes)
Household Size*
Maximum Income Level (Per Year)
1
$19,320
2
$26,130
3
$32,940
4
$39,750
5
$46,560
6
$53,370
7
$60,180
8
$66,990
What is this program?
Florida’s Low-Income Home Energy Assistance Program provides grants to local governments and
non-profit agencies to assist eligible low-income Florida households in meeting the costs of home
heating and cooling. The majority of the funds are used for utility payment assistance.
…
See more
Look for the county in which you live- the agency’s name, address and telephone number will be located below the name of the county. Call that agency and they will help you with the application process.
Governor DeSantis has authorized $250 million of the State of Florida’s Coronavirus Relief Fund (CRF) allocation to Florida Housing Finance Corporation (Florida Housing) to assist Floridians that have been negatively impacted by the COVID-19 pandemic and struggling to pay housing expenses such as: rent, mortgage payments, and emergency repairs that will keep families stably and safely housed. The funding also provides rental assistance for residents in Florida Housing funded developments.
In general, the Coronavirus Relief Fund (CRF) is a portion of the Coronavirus Aid, Relief, and Economic Security (CARES) Act passed by Congress and signed into law by the President in March 2020 in response to the economic fallout of the COVID-19 pandemic.
General Information
Click here to view the press release on Governor Ron DeSantis Announcing $250 Million for Affordable Housing Coronavirus Relief Initiative
Evictions – President Biden directed agencies to extend a federal moratorium on evictions and a moratorium on foreclosures on federally guaranteed mortgages in response to the coronavirus pandemic until March 31, 2021. The Centers for Disease Control and Prevention (CDC) statement released January 20, 2021 ensuring the nationwide residential Evictions Order that provides federal eviction relief to persons who submit a valid Declaration to their landlord regarding their inability to pay rent will be extended to March 31, 2021. Click here to view the CDC Director’s statement.
Foreclosures – President Biden directed the Departments of Veterans Affairs, Agriculture, and Housing and Urban Development to extend foreclosure moratoriums for federally guaranteed mortgages and continuing applications for forbearance for federally guaranteed mortgages until March 31. Click Here to view the notice from the Federal Housing Administration and Click Here to view from Rural Development
Governor DeSantis: One Goal One Florida PSA – Floridians are resilient, and your commitment to following the state’s guidance will make a difference and help save lives. Click here to learn more.
To sign up for our multiple ListServ groups, click here.
Homeowners
Click here to view the press release on Governor Ron DeSantis Announcing $250 Million for Affordable Housing Coronavirus Relief Initiative
Evictions – President Biden directed agencies to extend a federal moratorium on evictions and a moratorium on foreclosures on federally guaranteed mortgages in response to the coronavirus pandemic until March 31, 2021. The Centers for Disease Control and Prevention (CDC) statement released January 20, 2021 ensuring the nationwide residential Evictions Order that provides federal eviction relief to persons who submit a valid Declaration to their landlord regarding their inability to pay rent will be extended to March 31, 2021. Click here to view the CDC Director’s statement.
Foreclosures – President Biden directed the Departments of Veterans Affairs, Agriculture, and Housing and Urban Development to extend foreclosure moratoriums for federally guaranteed mortgages and continuing applications for forbearance for federally guaranteed mortgages until March 31. Click Here to view the notice from the Federal Housing Administration and Click Here to view from Rural Development
Homeowners impacted by COVID-19 can contact the local SHIP Office in your area for funding assistance. Click here for more information.
Homeowners impacted by COVID-19 that have a loan through U.S. Bank Home Mortgage can view information on their Resource Page. The customer service line is 1-800-365-7772, and the phone number directly related to disaster assistance is 1-888-287-7817.
Electric Utility Payment Assistance: For more information, please click here.
Renters
Click here to view the press release on Governor Ron DeSantis Announcing $250 Million for Affordable Housing Coronavirus Relief Initiative
Evictions – President Biden directed agencies to extend a federal moratorium on evictions and a moratorium on foreclosures on federally guaranteed mortgages in response to the coronavirus pandemic until March 31, 2021. The Centers for Disease Control and Prevention (CDC) statement released January 20, 2021 ensuring the nationwide residential Evictions Order that provides federal eviction relief to persons who submit a valid Declaration to their landlord regarding their inability to pay rent will be extended to March 31, 2021. Click here to view the CDC Director’s statement.
Renters impacted by COVID-19 can contact the local SHIP Office in your area for funding assistance. Click here for more information.
If you are looking for affordable rental housing throughout the state, visit our Affordable Rental Housing Locator at www.FloridaHousingSearch.org.
Gov. DeSantis Executive Order on Foreclosures and Evictions – Executive Order 20-211 expires October 1, 2020. The Centers for Disease Control and Prevention (CDC) recently enacted a nationwide residential evictions Order that provides federal eviction relief to persons who submit a valid Declaration to their landlord regarding their inability to pay rent. The CDC’s evictions Order expires on December 31, 2020, unless extended. Click here to view the CDC’s eviction Order and click here to review the CDC’s evictions Declaration.
State Housing Initiatives Partnership Program – SHIP
Assistance for low to moderate income households that have been impacted by the Coronavirus pandemic. The assistance will primarily be used to help eligible households with rent and mortgage payment assistance. Renters and homeowners seeking assistance can contact their local SHIP office. (found here)
The United States Department of Agriculture’s (USDA) Supplemental Nutrition Assistance Program
(SNAP), called food assistance in Florida and formerly known as the Food Stamp Program, provides food
benefits, access to a healthy diet, and education on food preparation and nutrition to low-income
households. Recipients spend their benefits (provided on an electronic card that is used like a…
See more
Who is eligible for Florida Food Assistance Program (SNAP)?
To be eligible for this benefit program, you must be a resident of the state of Florida and meet one of the following requirements:
You have a current bank balance (savings and checking combined) under $2,001, or
You have a current bank balance (savings and checking combined) under $3,001 and share your household with one of the following:
A person or persons age 60 and over or
A person with a disability (a child, your spouse, a parent, or yourself).
To see if you might be eligible for SNAP benefits, use SNAP eligibility.
Because many programs offer services to families that may qualify them under other local criteria, we strongly recommend you contact the program in your community for more information and guidance.
Annual Household Income Limits (before taxes)
Household Size*
Maximum Income Level (Per Year)
1
$25,760
2
$34,840
3
$43,920
4
$53,000
5
$62,080
6
$71,160
7
$80,240
8
$89,320
How do I apply for Florida Food Assistance Program (SNAP)?
Or visit SNAP’s Contact Us page to find many ways to get in touch with your local SNAP office.
ILLINOIS
CRISIS RELIEF LOANS by Capital Good Fund
If you need money, but have less-than-perfect credit, there’s no better option than a loan from Capital Good Fund. We offer a variety of loan products to help you out in a pinch. We’re more flexible than banks and won’t rip you off like cash advance/payday lenders. You’ve just found your place for easy, honest, affordable loans.
Capital Good Fund is authorized by the state of Illinois to provide affordable loans to its residents. Our loans can be used for a bunch of different things. Whether you need to repair an automobile, buy a computer, cover the costs of immigration, pay the security deposit for an apartment, or just need a quick cash boost, we’ve got you covered! We currently offer the following loans in your state.
If you have any questions call us at 866-584-3651, send us an email at loans@capitalgoodfund.org or use the blue chat box at the bottom of the page.
How much is my monthly payment?
Those impacted by Covid-19: We are offering a special loan for those impacted by the coronavirus. Click here for full details.
CRISIS RELIEF LOANS
$300 to $1500 • 5% Annual Percentage Rate
For financial emergencies related to Covid-19 such as medical expenses, grocery purchases, rent, etc.
No closing fees. No down payment. 15 month repayment. 90-day deferment of payment start date. 12 monthly payments starting on month 4.
$700 to $20,000 • 12 – 15.99% to 24% Annual Percentage Rate
For paying fees for acquiring U.S. citizenship, securing or renewing a Green Card, applying for family members to come to the U.S., and other immigration steps.
No closing fee or down payment. Monthly repayment over 2 to 4 years.* Example Lifetime Cost: A $1,000 loan costs $1,269.
* Depending on loan size
The Maryland Small Business COVID-19 Emergency Relief Grant Fund includes…
Grants up to $10,000 not to exceed 3 months of cash operating expenses for Maryland businesses and nonprofits impacted by the COVID-19 with 50 or fewer employees.
The FCCDC finances both start-up and existing small businesses for a wide range of purposes. They lend between $5,000 and $200,000 to both existing and start-up businesses.
If your small buisness (5 employees or less) is located in Fitchburg, you may be eligible for an Emergency Small Buissness Grant. Click here for more info.
We are facing unprecedented times, with the Coronavirus (COVID-19) grinding life, and the economy, to a halt. In response,Good Fund has developed the Crisis Relief Loan to help those financially impacted by Covid-19. This loan ranges from $300-$1500, and has a fifteen-month term with a special 90-day deferment payment period and 5% APR; there is also expedited loan application review. The Crisis Relief loan can be used for (but is not limited to) paying utilities, covering medical bills, paying rent, and purchasing groceries, and will be available to residents of RI, FL, MA, DE and IL.
Good Fund will continue to stand with our communities as we navigate this rapidly changing situation together!
$300 to $1500 • 5% Annual Percentage Rate
No closing fees. No down payment. 15 month repayment. 90-day deferment of payment start date. 12 monthly payments starting on month 4. How much is my monthly payment?
General link COVID-19/Novel Coronavirus Information for New Jersey Businesses
Broken down into topics – with individual links within
NEW YORK
SMALL BUSINESS SUPPORT
NYC Employee Retention Grant is no longer accpeting applications.
To qualify for the NYC Employee Retention Grant, covering up to 40% of their payroll for two months and access up to $27,000, your business must meet the following criteria:
1 to 4 employees that can demonstrate at least a 25% decrease in revenue as a result of COVID-19
Been in operation for at least 6 months
No outstanding tax liens or legal judgments
Located within the five boroughs of New York City
New York Forward Loan Fund
New York Forward Loan Fund (NYFLF) is a new economic recovery loan program aimed at supporting New York State small businesses, nonprofits and small landlords as they reopen after the COVID-19 outbreak and NYS on PAUSE.
NYFLF targets the state’s small businesses with 50 or fewer full-time equivalent (FTE) employees (90% of all businesses), nonprofits and small residential landlords that have seen a loss of rental income.
NYFLF is providing working capital loans so that small businesses, nonprofits and small residential landlords have access to credit as they reopen. These loans are available to small businesses and nonprofits that did not receive a U.S. Small Business Administration Paycheck Protection Program of greater than $500,000 or an Economic Injury Disaster Loan (EIDL) for COVID-19 of greater than $150,000, and small landlords. The loans are not forgivable in part or whole. The loans will need to be paid back over a 5-year term with interest.
The working capital loans are timed to support businesses and organizations as they proceed to reopen and have upfront expenses to comply with guidelines (e.g., inventory, marketing, refitting for new social distancing guidelines) under the New York Forward Plan.
The geographic proportionality goals for the New York Forward Loan Fund for small businesses are:
Capital Region 4%
Central NY Region 4%
Finger Lakes Region 4%
Hudson Valley Region 12%
Long Island Region 18%
Mohawk Valley Region 4%
NYC Region 30%
North Country Region 4%
Southern Tier Region 4%
Western NY Region 8%
Access to loans for small residential landlords will be targeted to owners with residential buildings of 50 units or less and will prioritize loans for residential landlords whose properties are in low and moderate income census tracts or who serve low to moderate income tenants.
The New York Forward Loan Fund is supported by Apple Bank, BNB Bank, BlackRock Charitable Fund, Citi Foundation, Citizens Bank, Deutsche Bank, Evans Bank, Ford Foundation, HSBC Bank, M&T Bank, Morgan Stanley, Mizuho Bank, Ralph C. Wilson, Jr. Foundation and Wells Fargo.
Pre-applications for the New York Forward Loan Fund are now open. This is not a first-come, first-served loan program. Applications will be reviewed on a rolling basis. For small businesses and nonprofits, you are encouraged to prepare your pre-application in advance by taking advantage of the application preparation resources available here.
Five Community Development Financial Institutions (CDFIs) processing pre-applications are: Ascendus (formerly Accion East), Community Preservation Corporation, National Development Council, Pursuit and TruFund Financial Services. Please do notapply to the participating CDFI lender directly.
UNEMPLOYMENT BENEFITS/
As has always been the case, you can apply for unemployment insurance if you have lost your job through no fault of your own. Additionally, on March 27, 2020, a law was signed that provides additional Unemployment Insurance (“UI”) assistance to workers impacted by COVID-19.
This new law provides:
Pandemic Unemployment Assistance (PUA): Extends eligibility to individuals who have traditionally been ineligible for UI benefits (e.g., self-employed workers, independent contractors) until the benefit week ending 3/14/2021.*
Pandemic Unemployment Compensation: Additional payments of $600 per week for benefit weeks ending 4/5/2020 to 7/26/2020 and $300 per week for the benefit weeks ending 1/3/2021 to 3/14/2021 while unemployed.
Pandemic Emergency Unemployment Compensation: An additional 24 weeks of UI benefits, beyond the 26 weeks already provided by New York State, until the benefit week ending 3/14/2021.*
*In order to phase out the program, claimants who have an established PUA or PEUC claim on or before March 14, 2021 and are still eligible for additional weeks may continue to claim for benefits until they have collected the maximum number of weeks or the week ending April 11, 2021, whichever comes first.
Sign in or create a NY.gov ID account and follow the instructions to file a claim.
If you have never filed a claim for benefits in New York State, you must create a PIN. This is a four-digit number that you must keep confidential. This PIN will be used to access the system to certify for weekly benefits and update your account.
Ready? Make sure you have with you:
Your Social Security number
Your driver license or Motor Vehicle ID card number (if you have either one)
Your complete mailing address and zip code
A phone number where we can reach you from 8 am – 5 pm, Monday –Friday
Your Alien Registration card number (if you are not a U.S. Citizen and have a card)
Names and addresses of all your employers for the last 18 months, including those in other states
Employer Registration number or Federal Employer Identification Number (FEIN) of your most recent employer (FEIN is on your W-2 forms)
Your copies of forms SF8 and SF50, if you were a federal employee
Your most recent separation form (DD 214), for military service
You can file a claim without all of these documents. However, missing information can delay your first payment.
If you cannot print web pages, have a pen and paper to copy information.
If you choose direct deposit of your weekly benefits, you will need your bank routing and checking account numbers. You cannot choose direct deposit if you file your claim by telephone.
Overview
If you are self-employed, an independent contractor or a farmer you may now be eligible and can file for benefits online.
Pandemic Unemployment Assistance is a new federal program that is part of the Coronavirus Aid, Relief and Economic Security (CARES) Act that provides extended eligibility for individuals who have traditionally been ineligible for Unemployment Insurance benefits (e.g., self-employed workers, independent contractors).
You will not be eligible for PUA if you can telework, or if you are receiving paid sick leave or other paid leave benefits (regardless of meeting a category listed above).
Additionally, the CARES Act provides FPUC, an additional $600 per week for benefit weeks ending 4/5/2020 to 7/26/2020 and $300 per week for benefit weeks ending 1/3/2021 to 3/14/2021.
DOL has launched an updated, streamlined online application that allows New Yorkers to apply for either traditional UI or PUA, depending on their eligibility. You do not have to complete a separate application for PUA.
Submitting an Application
You can apply for Emergency One-Time Assistance using the ACCESS HRA website or the ACCESS HRA Mobile App. HRA will call you to complete your telephone eligibility interview. In-person interview appointments at Job Centers are not available at this time.
You can apply for Emergency One-Time Assistance to help pay rent arrears even if you do not have an eviction case in Housing Court.
Use the ACCESS HRA website or the ACCESS HRA Mobile App to view your case information and update your contact information. It’s very important that HRA has your current contact information.
HRA Locations
The number of HRA Centers and Offices open to the public has been reduced. Please only visit an HRA Center or Office if your needs cannot be met online or by phone. Hours and locations may change. Visit the HRA Center Locations website for more information.
EBT Cards
Applicants who have been approved for benefits will receive an EBT card in the mail. If your EBT card has not yet arrived, you can go to the Brooklyn Over-The-Counter (OTC) site for your permanent card, or one of seven open HRA locations for a temporary card that will have all benefits available until your EBT card arrives. Visit the HRA Center Locations website for more information.
Permanent EBT cards can only be sent via the mail or picked up at the Brooklyn OTC site. For more information, visit the Electronic Benefit Transfer (EBT) Card page.
VACCINES
Vaccine Locations and Appointments
If you are eligible to receive the vaccine, use our Vaccine Finder to search for a location near you (not accessible with Internet Explorer).
There is limited supply of vaccine from the federal government at this time. You may not see open appointments on the Vaccine Finder right now, but check back regularly. New appointments will open up once more supply becomes available.
The Pfizer and Moderna vaccines require two doses. According to CDC guidelines, you should schedule your second dose 21 to 42 days (Pfizer) or 28 to 42 days (Moderna) after the first dose. If you are unable to do so, get your second dose as soon as possible after that. Get the second dose no matter how much time has passed. The vaccine is more effective after the second dose.
If you received the first dose and do not have an appointment for the second dose, please contact the provider or facility where you were vaccinated. You must get your second dose at the same location as you received the first dose.
The Johnson & Johnson/Janssen vaccine does not require a second dose.
To find a testing site near you, enter your address below, or text “COVID TEST” to 855-48.
HOUSING & RENTAL ASSISTANCE
NYCHA’s COVID-19 Rent Hardship Policy
NYCHA has simplified its Rent Hardship Policy to make it easier than ever for you to reduce your rent during the COVID-19 crisis.
Ready to Rent
Ready to Rent helps New Yorkers prepare to apply for affordable housing by providing free one-on-one financial counseling and assistance with affordable housing applications.
If you are searching for an affordable apartment through the NYC housing lottery, preparing early is important. Credit history matters. Submit a stronger housing application. Contact our professionals today!
FREE Financial Counseling
*Important Update due to COVID-19*
For the health and safety of our providers and clients, Ready to Rent sessions will be conducted over the phone. Our financial counselors will help you check your credit, calculate your income for housing applications, and save for moving expenses. Clients will be required to create a Financial Empowerment Portal account. Book an appointment online and create/login to your Financial Empowerment Portal account.
FREE Application Assistance
Connect with a Housing Ambassador who can help you use Housing Connect to apply for housing lotteries, gather information in case your number comes up, and get ready to show that you qualify.
Notice: This website is being updated frequently. Please check back to see new updates.
The following resources are available to you if you are a tenant in New York City and are facing hardship due to COVID-19. If you have questions or need assistance, the City is here to help.
For more information, please contact The Mayor’s Office to Protect Tenants or the City’s Tenant Helpline (which can provide free advice and legal counsel to tenants) by calling 311 or filling out the Contact Us form.
Additionally, you can text ‘COVID’ to 692-692 to receive important COVID-19 related updates sent straight to your phone. You can text ‘COVIDESP’ for updates in Spanish.
The goal of this portal is to help tenants across the city find the resources they need in one place. We understand these are uncertain and stressful times and the City is here to help you maintain stable housing.
This eviction prevention tool was designed by the Mayor’s Office to Protect Tenants (MOPT) and the Mayor’s Public Engagement Unit’s (PEU) Tenant Support Unit (TSU) to help renters navigate public and private resources that can stabilize their housing situation. A tenant seeking help will be taken through a series of questions and directed to the most useful resources based on their responses. MOPT and PEU have included resources from multiple city agencies, Legal Service Providers, and Community Based Organizations.
If you are a Legal Service Provider or Community Based Organization, we welcome your recommendations of additional resources via the online feedback form.
TOOLS FOR A FAIR HOUSING SEARCH
Do landlords keep saying “no” to your voucher? Use our tools to record it and report it – right from your phone.
New Support for housing stability to avoid shelter entry
Homebase | NYC Human Resources Administration
1. How it Works
Homebase is a homelessness prevention network with 26 locations across NYC’s five boroughs. If you’re at risk of homelessness, you can get services through Homebase to help with a housing crisis and support housing stability.
Homebase will help you develop a personalized plan to overcome an immediate housing crisis and achieve housing stability.
You do not have to wait until you are in housing court to seek help from Homebase.
Homebase can help a wide range of services, including:
In person:
To help stop the spread of COVID-19, many local department of social services and SNAP Centerslocations are consolidating their hours until further notice. We are asking New Yorkers to do everything they can through myBenefits.ny.gov. Please call your local district or visit their website to check their operating hours.
After your application is filed, the local department of social services or SNAP office will review your information and determine your household’s eligibility for SNAP. The department of social services will contact you if they need anything more than your application to determine your eligibility for SNAP benefits.
Note: If you qualify for SNAP, you must receive them no later than 30 days from the date the local district received your application.
Plentiful is a free, easy-to-use reservation system for food pantries and the people they serve. Use Plentiful to find pantries and get the food you need, without waiting in line.
New York City is committed to making free meals available daily for all New Yorkers. Students and families can go to nearby school buildings for takeout meals. Additionally, any New Yorker can receive free meals available at locations across the city. Use the search link below to find a location online or Text “NYC FOOD” or “NYC COMIDA” to 877-877 (text messaging and data rates may apply)
All families and students can continue to go to any school(Open external link) building between 9:00 am and noon on the weekdays to pick up free grab-and-go meals.
No identification or registration is necessary.
Halal and kosher meals are available at selected sites, listed below.
Meals are not available to the general public at any other time
No registration or ID required
Multiple meals can be picked up at once
Vegetarian meals are available at all locations.
Take-home and cook options will be available at the community hubs. Check your local DOE food distribution center for more information. These meals are perfect for cooking at home with families. The choice of items may vary according to location and availability.
The following items may be available at your nearest location: Baked Ravioli, Beef Burgers, Burrito (Southwest), Buttermilk Biscuits, Buttermilk Pancakes, Chicken (Oven-Roasted & Sliders), Fish Patty, French Fries, Garlic Toast, Grilled Cheese, Jamaican Beef Patty, Mac & Cheese, Mozzarella Sticks, Omelet, Pizza, Stuffed Shells, Turkey (Oven-Roasted and Breakfast Sausage Patty) and Waffles.
Nutrition Kitchen (food pantry) will be available to the community as scheduled. For more information, please see the expanded hours below.
Food, rent and utilities are expensive. And, many New Yorkers struggle to feed their families. That’s why the Department of Probation has opened five NeON Nutrition Kitchens throughout the city. When you visit a NeON Nutrition Kitchen, you’ll get free, nutritious groceries and great service from our friendly staff.
CORONAVIRUS NYC NEIGHBORHOOD FOOD RESOURCE GUIDES
COVID-19 significantly impacted the food system in New York City. To help connect community members in need with food resources during the pandemic, the Hunter College NYC Food Policy Center created Coronavirus NYC Neighborhood Food Resource Guides for each NYC neighborhood. The neighborhoods are divided by the 59 NYC Department of City Planning’s Community District Profiles. The neighborhood lines and zip codes used for these reports are based on the districts used in the 2018 Community Health Profiles, which contain over fifty measures and statistics of neighborhood health.
Each resource guide includes information related to food access within the community, such as the location and hours of food pantries, meals for students and seniors during this time, delivery services for people with disabilities, and resources for immigrants. The Center partnered with local organizations like Share Meals, Hunger Free America, BetaNYC and Plentiful to create the most current and accurate data for these resource guides, which are continually updated. To further ensure the guides contain the most up-to-date information, the Center trained more than 100 volunteers to update the guides and make calls to neighborhood organizations and resources as well as supermarkets, bodegas and other food retail outlets.
THE RESOURCE GUIDES ARE MADE POSSIBLE THROUGH A COMMUNITY-WIDE EFFORT. IF YOU KNOW OF ANY CHANGES OR UPDATES TO THE FOLLOWING INFORMATION, PLEASE EMAIL info@nycfoodpolicy.org RIGHT AWAY. THANK YOU!
CLICK ON THE LINK BELOW TO FIND FOOD RESOURCES IN YOUR COMMUNITY
Clinton/Chelsea: including parts of City Council Districts 3 and 6. Zip codes 10001, 10011, 10019, 10036 and 10199. (En Español / 简体中文)
East Harlem: includes parts of City Council Districts 5, 8 and 9. Zip codes 10029 and 10035. (En Español / 简体中文)
Financial District: includes City Council District 1. Zip codes10004, 10005, 10006, 10007, 10008, 10013, 10015, 10038, 10041, 10045, 10048, 10161, 10268, 10270, 10271, 10278, 10279, 10280, 10281, and 10282. (En Español)
Stuyvesant Town/Turtle Bay: includes parts of City Council District 4. Zip codes 10003, 10009, 10010, 10016, 10017, 10018, 10022, 10155, 10158, and 10174. (En Español)
Upper East Side: includes parts of City Council Districts 4 and 5. Zip codes 10021, 10022, 10028, 10044, 10065, 10075, 10128, and 10162. (En Español)
Upper West Side: includes parts of City Council Districts 3, 6, and 9. Zip codes 10023, 10024, 10025, 10055, 10060, 10069, 10090, 10095, 10098, and 10099. (En Español)
Flushing/Whitestone: includes parts of City Council District 19, 20 and 21. Zip codes 11351, 11354, 11355, 11357, 11358, 11359, 11365, and 11367. (En Español /简体中文)
Jackson Heights: includes parts of City Council Districts 21, 22, and 25. Zip codes 11369, 11370, 11371, and 11372. (En Español)
Jamaica/Hollis: includes parts of City Council Districts 23, 24, 27 and 28. Zip codes 11412, 11423, 11432, 11433, 11434, 11435, and 11436. (En Español)
Kew Gardens/Woodhaven: includes parts of City Council Districts 24, 29, 30 and 32. Zip codes 11415 11416, 11417, 11418, 11419, 11421, and 11424. (En Español)
Long Island City/Astoria: include parts of City Council Districts 22 and 26. Zip codes 11101, 11102, 11103, 11105, 11106, and 11109. (En Español)
Queens Village: includes parts of City Council Districts 23 and 27. Zip codes 11004, 11005, 11411, 11413, 11422, 11426, 11427, 11428, and 11429. (En Español / Kreyòl Ayisyen)
Through our Mobile Markets, City Harvest delivers fresh fruits and vegetables, free of charge, to thousands of New Yorkers each month.
Community members gather in farmers’ market settings, where they receive fresh produce and participate in cooking demonstrations to learn how to make healthy meals. Our community health partners also offer free wellness programs, such as blood pressure screenings. We also partner with other non-profit organizations, including Brighter Bites, Harlem Children’s Zone, and the YWCA in Queens to create bi-monthly food distributions at sites that are fully operated by members of the community they serve.
From January 2021 through March 2021, our Mobile Markets will be open from 11am to 1pm as we continue to adjust our COVID-19 protocols to protect the health and safety of our participants, staff, and volunteers.
We provide over three million pounds of fresh produce—including sweet potatoes, grapefruit, apples, cabbage, carrots, squash, and collard greens—to nearly 10,000 households each year through these markets:
EFAP provides funding to more than 500 soup kitchens and food pantries citywide. To join our providers network, please call 929-221-7679 OR Go to feednyc.org to learn more. Information is listed on the homepage under “Knowledge Base.”
Learning Bridges is a new program that provides free child care options for children from 3-K through 8th grade on days when they are scheduled for remote learning.
As the New York City Department of Education resumes in-person schooling, most schools and early childhood programs are operating on a blended learning model. This means that each week, students have some school days in person, and some school days remotely. How to Apply
Need help completing the online application? Call 311 for assistance.
If you previously filled out the expression of interest form, you do not need to complete another application.
Mental health support New Yorkers can access while staying home
While our City stays home to stop the spread of coronavirus, New Yorkers can access a range of mental health services by phone or online. If you or someone you care about needs support, we encourage you to reach out to the programs below. Help is available. Check back often for updates.
It’s the annual Open Enrollment Period! Enroll or change your coverage by May 15!
GetCoveredNYC helps New Yorkers in the five boroughs enroll in health insurance, including low- or no-cost options, under the Affordable Care Act (also known as Obamacare).
Complete this form to receive free health insurance enrollment assistance in your language. You can also call 311 or text CoveredNYC (SeguroNYC en Español) to 877877 to be connected to a GetCoveredNYC Specialist.
Accessing mental health support
Cost: Many mental health programs listed below are free to New Yorkers, regardless of insurance coverage or immigration status.For programs with costs, New York State has issued an emergency regulation requiring insurance companies to waive deductibles, copayments (copays), or coinsurance for in-network telehealth visits, including mental health services. High-quality, low-cost and no-cost mental health services are also guaranteed for NYC Care members. New Yorkers who do not qualify for or cannot afford health insurance can click here to enroll in NYCCare.nyc or call 646-NYC-Care (646-692-2273).
Low-cost and free health insurance
Health Insurance Assistance | HRA/ NY State
1. How it Works
Every New Yorker can get health insurance. There are low-cost and free plans for people who qualify, and counselors to help you choose a plan.
Enroll in health insurance or change your coverage as part of the annual open enrollment period by May 15, 2021. The following programs will be screened for through the NY State of Health Marketplace, they are not screened for on ACCESS NYC:
Medicaid
Child Health Plus
Essential Plan
Qualified Health Plan
Medicaid for Pregnant Women
If your income is above the Medicaid income eligibility levels, you could obtain Medicaid through the Medicaid Excess Income Program (for children under 21, parents of children under 21, people over 65 years old, pregnant women, and people living with disabilities)
Options are available for all New Yorkers, even if you are not a citizen
Obtaining health insurance helps you to pay for planned or unexpected medical care
To address the unprecedented impact of the COVID-19 Pandemic, DSS/HRA issued an emergency rule:
Increasing the burial allowance from $900 to $1,700 and increasing the cap on burial costs from $1,700 to $3,400.
Extending the timeframe for when you can apply to 120 days from the date of the individual’s death.
Applications received on or after March 12, 2020 will be considered for the increased burial assistance allowance. All applications received will be reviewed regardless of immigration status.
Due to the COVID-19 pandemic our office hours are limited, we are open to the public on Wednesdays between 9:00 a.m. and 5:00 p.m. To help stop the spread of COVID-19, many HRA locations are consolidating until further notice. If your needs cannot be met by ACCESS HRA, call 311 or consult the HRA Locations page for more information.
Burial Services Brochure
This brochure outlines how HRA’s Office of Burial Services (OBS) can provide financial assistance to help you meet the funeral expenses for a deceased low-income New York City resident. This can apply to either funeral expenses that have already been paid, or pre-approval for the cost of a planned funeral.
New York State Lifeline Discounted Telephone Service is an assistance program offered by many telephone providers, including some wireless and cable companies, to help income eligible consumers save money on their phone bills.What is Lifeline?Lifeline helps you stay connected and save money on your monthly telephone bill. The Lifeline discount can be applied to either home telephone service (landline or cable) or wireless service. The discount is available for only one line per household.
COVID-19 Update:While maintaining the social distancing needed to slow the spread of the coronavirus, it is critical that Americans have the connectivity they need to stay in touch with loved ones, telework, search for jobs, and participate in remote learning and telehealth. To provide relief for consumers who have recently lost their jobs, the FCC has temporarily eased the documentation requirements for those who seek to qualify for the Lifeline program based on their income. You can find more information by clicking on the link below:https://www.usac.org/lifeline/additional-requirements/covid-19-response/
Get Free Financial Counseling
*Important Updates Due to COVID-19*
For the health and safety of our providers and clients, NYC Financial Empowerment Center sessions will be conducted over the phone. Clients will be required to create a Financial Empowerment Portal account.
Worried about money? You’re not alone. We’re here to support you.
NYC Financial Empowerment Centers provide FREE one-on-one professional, financial counseling and coaching to support you in reaching your goals. Work with our counselors to:
The program provides cash incentives, no-interest loans, low-interest loans and technical assistance for small businesses. To be eligbile for assitance, your buisness must…
Be a for-profit business (non-profit organizations are not eligible)
Employ up to 50 full-time equivalent employees (under 15 for the incentive program)
Have a physical location in Oklahoma City (online businesses are not eligible)
Have been in operation for at least 1 year as of March 16, 2020
Be able to demonstrate a 50% drop in revenue between March 16-April 15, 2020 compared to the same period in 2019
If you need money, but have less-than-perfect credit, there’s no better option than a loan from Capital Good Fund. We offer a variety of loan products to help you out in a pinch. We’re more flexible than banks and won’t rip you off like cash advance/payday lenders. You’ve just found your place for easy, honest, affordable loans.
Our loans can be used for a bunch of different things. Whether you need to repair an automobile, buy a computer, cover the costs of immigration, pay the security deposit for an apartment, or just need a quick cash boost, we’ve got you covered! We currently offer the following loans in your state.
If you have any questions call us at 866-584-3651, send us an email at loans@capitalgoodfund.org or use the blue chat box at the bottom of the page.
How much is my monthly payment?
Those impacted by Covid-19: We are offering a special loan for those impacted by the coronavirus. Click here for full details.
CRISIS RELIEF LOANS
$300 to $1500 • 5% Annual Percentage Rate
For financial emergencies related to Covid-19 such as medical expenses, grocery purchases, rent, etc.
No closing fees. No down payment. 15 month repayment. 90-day deferment of payment start date. 12 monthly payments starting on month 4.
$700 to $20,000 • 12 – 15.99% Annual Percentage Rate
For paying fees for acquiring U.S. citizenship, securing or renewing a Green Card, applying for family members to come to the U.S., and other immigration steps.
No closing fee or down payment. Monthly repayment over 2 to 4 years.* Example Lifetime Cost: A $1,000 loan costs $1,269.
* Depending on loan size
For the TX state government’s Coronavirus economic response page, click here.
For Texas City businesses (50 employees or less), you may be eligible for small business grants up $25,000. For more info, head over to this webpage.
CRISIS RELIEF LOANS by Capital Good Fund
If you need money, but have less-than-perfect credit, there’s no better option than a loan from Capital Good Fund. We offer a variety of loan products to help you out in a pinch. We’re more flexible than banks and won’t rip you off like cash advance/payday lenders. You’ve just found your place for easy, honest, affordable loans.
Our loans can be used for a bunch of different things. Whether you need to repair an automobile, buy a computer, cover the costs of immigration, pay the security deposit for an apartment, or just need a quick cash boost, we’ve got you covered! We currently offer the following loans in your state.
If you have any questions call us at 866-584-3651, send us an email at loans@capitalgoodfund.org or use the blue chat box at the bottom of the page.
How much is my monthly payment?
Those impacted by Covid-19: We are offering a special loan for those impacted by the coronavirus. Click here for full details.
CRISIS RELIEF LOANS
$300 to $1500 • 5% Annual Percentage Rate
For financial emergencies related to Covid-19 such as medical expenses, grocery purchases, rent, etc.
No closing fees. No down payment. 15 month repayment. 90-day deferment of payment start date. 12 monthly payments starting on month 4.
$700 to $20,000 • 12 – 15.99% Annual Percentage Rate
For paying fees for acquiring U.S. citizenship, securing or renewing a Green Card, applying for family members to come to the U.S., and other immigration steps.
No closing fee or down payment. Monthly repayment over 2 to 4 years.* Example Lifetime Cost: A $1,000 loan costs $1,269.
* Depending on loan size
Utah Leads Together Small Business Bridge Loan program
During round two, loan applications will be accepted from Utah for-profit and 501(c)3 nonprofit organizations, from April 13 at 8 a.m. to April 16 at noon (MDT)
Applicants must demonstrate financial stress or disrupted operations
Notices from tenants closing operations and not paying rent caused by loss of income.
Notice of inability to pay rent or make loan payments due to reduced sales or suspended operations.
Increased costs related to COVID-19 prevention measures.
Notice of disrupted supply network leading to a shortage of critical inventory or materials.
Other circumstances subject to review on a case-by-case basis
There are Working Washington Small Business Emergency Grants available. Eligibility includes…
Applicants should have been in business for at least one year.
Businesses with up to 10 full-time employees (FTEs) may apply for a one-time grant of up to $10,000.
Funding is not meant to help launch a business, but to support existing businesses who are specifically affected by the COVID-19 crisis and are vital members of their local community.
Grant recipients are eligible to receive one Working Washington Grant award during the current budget cycle, which ends on June 30, 2021.
Approved grant expenditures:
Grant funds can used for operational expenses including rent, supplies/inventory, utility bills, etc. as well as consulting, marketing, and training.
Applications must include a list of proposed expenses grants will be spent on. Applications without a list of proposed expenses will be considered incomplete.
If your business is seeking a tax filing extension, you’ll need to apply – more info here.
The state is working to compile a larger list of local bankers, financial associations, telecoms, utilities and major employers that may be able to provide relief, such as:
Deferred bills, waived fees, discounts, no-interest loans and other support.
Debt and late-penalty forgiveness for companies and workers in order to help keep people employed.
Favorable credit terms for firms that encounter cash flow problems.
For Washington state-specific relief during COVID-19, check out this webpage.
There are also the Washington state “SharedWork” programs worth exploring. SharedWork is a voluntary business sustainability program that provides flexibility to retain employees at reduced hours, designed to…
Support business stability
Retain skilled workers
Reduce payroll costs
Be a smart alternative to layoffs
Explore training programs that develop workforce skills
For more general info on the programs available, click here.
HOW WORKING AMERICANS WILL RECEIVE THEIR DIRECT PAYMENTS
Here’s an overview of what the American people need to know about the direct payments in the American Rescue Plan:
For households who have already filed their income tax return for 2020, the IRS will use that information to determine eligibility and size of payments.
For households that haven’t yet filed for 2020, the IRS will review records from 2019 to determine eligibility and size of payment. That includes those who used the “non-filer portal” for previous rounds of payments.
For tax returns with direct deposit or bank account information, the IRS will be able to send money electronically. For those households for which Treasury cannot determine a bank account, paper checks or debit cards will be sent.
Here’s an example of what direct payments passed in the American Rescue Plan mean for a typical family of four – with parents making $75,000 a year combined, and with kids in school aged 8 and 5:
Because of the President’s American Rescue Plan, that family of four will soon be getting $5,600 in direct payments, $1,400 for each parent and child.
Because of the expanded Child Tax Credit, they will also get $2,600 more in tax credits than before.
That’s $8,200 more in the pockets of this family as they try to weather this storm – on top of additional money in this bill to reopen schools safely, get shots in arms faster, and help those who have lost their jobs through no fault of their own.
Find food assistance, help paying bills, and other free or reduced cost programs, including new programs for the COVID-19 pandemic: Search here
MENTAL HEALTH COVID-19 Pandemic Information
As the number of cases of COVID-19 increases, so does the associated anxiety. For the general public, the mental health effects of COVID-19 are as essential to address as are the physical health effects. And for the one in five who already have mental health conditions – or the one in two who are at risk of developing them – we need to take personal, professional, and policy measures now to address them. To aid individuals and communities during this time, MHA has compiled a range of resources and information. You can learn more about mental health and COVID-19 from our blogs and webinars.
To apply for benefits, or get information about SNAP, contact your local SNAP office by selecting your state (or NYC) on the map below and using the contact information. Each state has its own application form. If your state’s form is not on the web, you’ll need to contact your local SNAP office to request one. FNS headquarters does not process applications.
211 connects you to expert, caring help. Every call is completely confidential.
The Department of Housing and Urban Development (HUD) offers a variety of federal programs that may be able to help you purchase a home if you qualify for assistance:
Top U.S. Government Websites for COVID-19 Information
Visit these federal government websites for current information about the coronavirus (COVID-19).
LISC is a mission-based lender, offering business loans of $100,000 to $500,000 for permanent working capital, leasehold improvement, and equipment. LISC also provides commercial construction and acquisition loans from $500,000 to $5 million.
Economic Development loans
LISC offers Accelerated Business Loans, Permanent Working Capital Loans and Leasehold Improvement/FF&E Loans to existing businesses within LISC communities. Loan amounts range from $25,000 to $500,000.
LISC provides commercial property acquisition and construction loans to multi-tenant maker spaces. Loan amounts range from $500,000 – $3,000,000. LISC considers a maker space an adaptive reuse of old industrial buildings, warehouses and large commercial spaces to a multi-tenant facility. The spaces are characterized by small commercial rental units, short term leases, common areas and shared equipment typically used for business incubation, light/artisanal manufacturing and technology businesses.
immito, a LISC affiliate, provides capital access to small businesses in all 50 states through the SBA 7(a) Loan Program. immito believes that starting, building and growing small businesses is a powerful strategy for transforming communities and making those communities economically dynamic and competitive.
Available to first and second time loan applicants
Provides loans to help fund payroll costs
Applications will be accepted until March 31, 2021
The Paycheck Protection Program provides forgivable loans to help fund payroll costs, including benefits. PPP may also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19, and uninsured property damage costs caused by looting or vandalism during 2020.
If you have not received a PPP loan before, First Draw PPP Loans may be available to you.
PPP First Draw Borrower Application Form
Notice: Paycheck Protection Program resumed January 11, 2021 at 9am ET
SBA, in consultation with the U.S. Treasury Department, reopened the Paycheck Protection Program (PPP) for First Draw Loans the week of January 11, 2021.
SBA is currently accepting First Draw PPP loan applications from participating lenders. Lender Match can help connect you with a lender. You can also view all lenders near you on a map.
Loan details
The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on payroll. First Draw PPP Loans can be used to help fund payroll costs, including benefits, and may also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations.
SBA will forgive loans if all employee retention criteria are met, and the funds are used for eligible expenses.
PPP loans have an interest rate of 1%.
Loans issued prior to June 5, 2020 have a maturity of two years. Loans issued after June 5, 2020 have a maturity of five years.
Loan payments will be deferred for borrowers who apply for loan forgiveness until SBA remits the borrower’s loan forgiveness amount to the lender. If a borrower does not apply for loan forgiveness, payments are deferred 10 months after the end of the covered period for the borrower’s loan forgiveness (either 8 weeks or 24 weeks).
No collateral or personal guarantees are required.
Neither the government nor lenders will charge small businesses any fees.
Who may qualify
The following entities affected by Coronavirus (COVID-19) may be eligible:
Sole proprietors, independent contractors, and self-employed persons
Any small business concern that meets SBA’s size standards (either the industry size standard or the alternative size standard)
Any business, 501(c)(3) non-profit organization, 501(c)(19) veterans organization, or tribal business concern (sec. 31(b)(2)(C) of the Small Business Act) with the greater of:
500 employees, or
That meets the SBA industry size standard if more than 500
Any business with a NAICS code that begins with 72 (Accommodations and Food Services) that has more than one physical location and employs less than 500 per location
How and when to apply
You can apply for a First Draw PPP Loan until March 31, 2021. SBA is currently accepting First Draw PPP loan applications from participating lenders. Lender Match can help connect you with a lender. You can also view all lenders near you on a map. All new First Draw PPP Loans will have the same terms regardless of lender or borrower.
If you wish to begin preparing your application, you can download the following PPP borrower application form to see the information that will be requested from you when you apply with a lender:
If you have previously received a PPP loan, certain businesses are eligible for a Second Draw PPP Loan.
Notice: Paycheck Protection Program resumed January 11, 2021 at 9am ET
SBA, in consultation with the U.S. Treasury Department, reopened the Paycheck Protection Program (PPP) for First Draw PPP Loans the week of January 11, 2021. SBA began accepting applications for Second Draw PPP Loans on January 13, 2021.
SBA is currently accepting Second Draw PPP loan applications from participating lenders. Lender Match can help connect you with a lender. You can also view all lenders near you on a map.
At least $25 billion is being set aside for Second Draw PPP Loans to eligible borrowers with a maximum of 10 employees or for loans of $250,000 or less to eligible borrowers in low or moderate income neighborhoods.
Loan details
The Paycheck Protection Program (PPP) now allows certain eligible borrowers that previously received a PPP loan to apply for a Second Draw PPP Loan with the same general loan terms as their First Draw PPP Loan.
Second Draw PPP Loans can be used to help fund payroll costs, including benefits. Funds can also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations.
Maximum loan amount and increased assistance for accommodation and food services businesses
For most borrowers, the maximum loan amount of a Second Draw PPP Loan is 2.5x average monthly 2019 or 2020 payroll costs up to $2 million. For borrowers in the Accommodation and Food Services sector (use NAICS 72 to confirm), the maximum loan amount for a Second Draw PPP Loan is 3.5x average monthly 2019 or 2020 payroll costs up to $2 million.
Who may qualify
A borrower is generally eligible for a Second Draw PPP Loan if the borrower:
Previously received a First Draw PPP Loan and will or has used the full amount only for authorized uses
Has no more than 300 employees; and
Can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020
How and when to apply
You can apply for a Second Draw PPP Loan from January 13, 2021, until March 31, 2021. SBA is currently accepting Second Draw PPP loan applications from participating lenders. Lender Match can help connect you with a lender. You can also view all lenders near you on a map. All Second Draw PPP Loans will have the same terms regardless of lender or borrower.
If you wish to begin preparing your application, you can download the following PPP borrower application form to see the information that will be requested from you when you apply with a lender:
First Draw PPP Loans made to eligible borrowers qualify for full loan forgiveness if during the 8- to 24-week covered period following loan disbursement:
Employee and compensation levels are maintained
The loan proceeds are spent on payroll costs and other eligible expenses; and
At least 60 percent of the proceeds are spent on payroll costs
Second Draw PPP Loan forgiveness terms
Second Draw PPP Loans made to eligible borrowers qualify for full loan forgiveness if during the 8 to 24 week covered period following loan disbursement:
Employee and compensation levels are maintained in the same manner as required for the First Draw PPP loan
The loan proceeds are spent on payroll costs and other eligible expenses; and
At least 60 percent of the proceeds are spent on payroll costs
How and when to apply for loan forgiveness
A borrower can apply for forgiveness once all loan proceeds for which the borrower is requesting forgiveness have been used. Borrowers can apply for forgiveness any time up to the maturity date of the loan. If borrowers do not apply for forgiveness within 10 months after the last day of the covered period, then PPP loan payments are no longer deferred, and borrowers will begin making loan payments to their PPP lender.
To apply for loan forgiveness:
1. Contact your PPP Lender and complete the correct form:
Your Lender can provide you with either the SBA Form 3508, SBA Form 3508EZ, SBA Form 3508S, or a Lender equivalent.
The 3508EZ and the 3508S are shortened versions of the application for borrowers who meet specific requirements. Your Lender can provide further guidance on how to submit the application.
2. Compile your documentation:
Payroll (provide documentation for all payroll periods that overlapped with the Covered Period or the Alternative Payroll Covered Period):
Bank account statements or third-party payroll service provider reports documenting the amount of cash compensation paid to employees
Tax forms (or equivalent third-party payroll service provider reports) for the periods that overlap with the Covered Period or the Alternative Payroll Covered Period:
Payroll tax filings reported, or that will be reported, to the IRS (typically, Form 941); and
State quarterly business and individual employee wage reporting and unemployment insurance tax filings reported, or that will be reported, to the relevant state
Payment receipts, cancelled checks, or account statements documenting the amount of any employer contributions to employee health insurance and retirement plans that the borrower included in the forgiveness amount
Non-payroll (for expenses that were incurred or paid during the covered period and showing that obligations or services existed prior to February 15, 2020):
Business mortgage interest payments: Copy of lender amortization schedule and receipts verifying payments, or lender account statements
Business rent or lease payments: Copy of current lease agreement and receipts or cancelled checks verifying eligible payments
Business utility payments: Copies of invoices and receipts, cancelled checks or account statements
This list of documents required to be submitted to the Lender is not all-inclusive.
3. Submit the forgiveness form and documentation to your PPP Lender:
Complete your loan forgiveness application and submit it to your Lender with the required supporting documents and follow up with your Lender to submit additional documentation as requested. Consult your Lender for additional guidance and provide requested documentation in a timely manner.
4. Continue to communicate with your Lender throughout the process:
If SBA undertakes a loan review of your loan, your Lender will notify you of the review and the SBA loan review decision. You have the right to appeal certain SBA loan review decisions. Your Lender is responsible for notifying you of the forgiveness amount paid by SBA and the date on which your first payment will be due, if applicable.
Please Note:
Recent legislation has eliminated the original requirement to deduct the amount of EIDL Advance you may have received from your PPP loan forgiveness. Additional guidance and updated forms are forthcoming.
In response to the Coronavirus (COVID-19) pandemic, small business owners, including agricultural businesses, and nonprofit organizations in all U.S. states, Washington D.C., and territories can apply for an Economic Injury Disaster Loan. The EIDL program is designed to provide economic relief to businesses that are currently experiencing a temporary loss of revenue due to COVID-19.
To meet financial obligations and operating expenses that could have been met had the disaster not occurred
TERMS
3.75% for businesses (fixed)
2.75% for nonprofits (fixed)
30 years
No pre-payment penalty or fees
USE OF PROCEEDS
Working capital and normal operating expenses
Example: continuation of health care benefits, rent, utilities, fixed debt payments.
COLLATERAL REQUIREMENTS
Required for loans over $25,000
SBA uses a general security agreement (UCC) designating business assets as collateral, such as machinery and equipment, furniture and fixtures, etc.
FORGIVABLE
NO – EIDL Loan
YES – EIDL Advance*
*Advance funds have been fully allocated and are not currently available
MATURITY
30 years
PAYMENTS
Deferred one year; interest still accrues Borrower may make payments if they choose to do so.
Set up online payments through Pay.govOR mail payments to:
U.S. Small Business Administration
721 19th Street
Denver, CO 80202
Be sure to include EIDL loan number on mailed-in checks.
SBA is currently accepting new Economic Injury Disaster Loan (EIDL) applications from all qualified small businesses, including agricultural businesses, and private nonprofit organizations.
If you have already applied via the streamlined application portal, please do not resubmit your application.
Loan eligibility
Small business owners and qualified agricultural businesses in all U.S. states and territories are currently eligible to apply for a low-interest loan due to COVID-19.
Agricultural businesses with 500 or fewer employees are now eligible as a result of new authority granted by Congress in response to the COVID-19 pandemic.
Agricultural businesses include those businesses engaged in the production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)).
COVID-19 Targeted EIDL Advancewas signed into law on December 27, 2020, as part of the Economic Aid to Hard-Hit Small Businesses, Non-Profits, and Venues Act. The Targeted EIDL Advance provides businesses located in low-income communities with additional funds to ensure small business continuity, adaptation, and resiliency.
Advance funds of up to $10,000 will be available to applicants located in low-income communities who previously received an EIDL Advance for less than $10,000, or those who applied but received no funds due to lack of available program funding.
Applicants do not need to take any action at this time.
SBA will reach out to those who qualify.
SBA will first reach out to EIDL applications that already received a partial EIDL Advance (between $1,000 – $9,000). Applicants will be contacted directly by SBA via email in the coming weeks with instructions to determine eligibility and submit documentation.
All communications from SBA will be sent from an official government email with an @sba.gov ending. Please do not send sensitive information via email to any address that does not end in @sba.gov.
Applicants may qualify if they:
Are located in a low-income community. To help applicants determine if they are located in a low-income community as defined in section 45D(e) of the Internal Revenue Code, a mapping tool is available at https://sbaeidl.policymap.com/app. Note that the business address must be locatedin a low-income community in order to qualify so SBA encourages potential applicants to check the map to see if they meet the low-income community eligibility requirement before you apply; AND
Can demonstrate more than 30% reduction in revenue during an 8-week period beginning on March 2, 2020, or later. If an applicant meets the low-income community criteria, they will be asked to provide gross monthly revenue (all forms of combined monthly earnings received, such as profits or salaries) to confirm the 30% reduction.
Next, SBA will reach out to those who applied for EIDL assistance on or before December 27, 2020, but did not receive an EIDL Advance due to lack of program funding. These applicants will receive an email from SBA with instructions to determine eligibility and submit documentation. Applicants may qualify for a Targeted EIDL Advance if they meet the above criteria (low-income location and reduction in revenue) AND:
Have 300 or fewer employees. Business entities normally eligible for the EIDL program are eligible, including sole proprietors, independent contractors, and private, nonprofit organizations. Agricultural enterprises are not eligible.
All applicants may be asked to provide an IRS Form 4506-Tto allow SBA to request tax return information on the applicant’s behalf.
Please do not submit duplicate COVID-19 EIDL applications. Only prior applicants will be considered for the Targeted EIDL Advance.
The Shuttered Venue Operators (SVO) Grant program was established by the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act, signed into law on December 27, 2020. The program includes $15 billion in grants to shuttered venues, to be administered by the SBA’s Office of Disaster Assistance.
Eligible applicants may qualify for SVO Grants equal to 45% of their gross earned revenue, with the maximum amount available for a single grant award of $10 million. $2 billion is reserved for eligible applications with up to 50 full-time employees.
Relevant museum operators, zoos and aquariums who meet specific criteria
Motion picture theater operators
Talent representatives, and
Each business entity owned by an eligible entity that also meets the eligibility requirements
Other requirements of note:
Must have been in operation as of February 29, 2020
Venue or promoter must not have applied for or received a PPP loan on or after December 27, 2020
Detailed information on eligibility requirements coming soon.
Amount of SVO grant
Grant amount will be either:
For an eligible entity in operation on January 1, 2019, grants will be for an amount equal to 45% of their 2019 gross earned revenue OR $10 million, whichever is less.
For an eligible entity that began operation after January 1, 2019, grants will be for the average monthly gross earned revenue for each full month you were in operation during 2019 multiplied by six (6) OR $10 million, whichever is less.
How to apply
SBA is in the process of setting up the grant program and is not yet accepting applications. Those who have suffered the greatest economic loss will be the first applications processed under the following schedule:
Note: On January 20, 2021, SBA updated the proposed plan for issuing Shuttered Venue Operators Grants during the first and second priority periods. To clarify, priority awardees will not need to satisfy the small employer set-aside. During the first 59 days of opening the SVO Grants, SBA will reserve no less than $2 billion of program funding for grants to entities that have no more than 50 employees.
First Priority
1st 14 days of grant awards
Entities that suffered a 90% or greater revenue loss between April 2020 through December 2020 due to the COVID-19 pandemic.
Second Priority
Next 14 days of grant awards
Entities that suffered a 70% or greater revenue loss between April 2020 through December 2020 due to the COVID-19 pandemic.
Third Priority
Beginning 28 days after First & Second Priority Awards are made
Entities that suffered a 25% or greater revenue loss between one quarter of 2019 and the corresponding quarter of 2020.
Supplemental Funding
Available after all Priority Periods have passed
Recipients of First, Second, and Third Priority round awards who suffered a 70% or greater revenue loss for the most recent calendar quarter (as of 04-01-21 or later)
Allowable use of funds
Funds may be used for specific expenses, which include:
Payroll costs
Rent payments
Utility payments
Scheduled mortgage payments (not including prepayment of principal)
Scheduled debt payments (not including prepayment of principal) on any indebtedness incurred in the ordinary course of business prior to 02-15-20)
Worker protection expenditures
Payments to independent contractors (not to exceed $100K in annual compensation per contractor)
Other ordinary and necessary business expenses, including maintenance costs
Administrative costs (incl. fees and licensing)
State and local taxes and fees
Operating leases in effect as of 02-15-20
Insurance payments
Advertising, production transportation, and capital expenditures related to producing a theatrical or live performing arts production. (May not be primary use of funds.)
Grantees may not use award funds to:
Buy real estate
Make payments on loans originated after 02-15-20
Make investments or loans
Make contributions or other payments to, or on behalf of, political parties, political committees, or candidates for election
Any other use prohibited by the Administrator
Grantee Recordkeeping
Grantees will be required to maintain documentation demonstrating their compliance with the eligibility and other requirements of the SVO Grant program. They must retain employment records for four years following their receipt of a grant and retain all other records for three years.
Application and additional guidelines will be posted when available.
For additional information, email SVOGrant@sba.gov. All emails regarding SVO Grants will be sent using an official government email address ending in @sba.gov.
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