General Government Assistance

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 - Get connected, get help.

211 connects you to expert, caring help. Every call is completely confidential.

Infographic explaining three programs to help low income people get affordable rental housing.

Programs to Help You Pay for a Home

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:

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Top U.S. Government Websites for COVID-19 Information

Visit these federal government websites for current information about the coronavirus (COVID-19).

LISC Lending Services

Logo - LISC

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.

LEARN MORE

Commercial Real Estate loans

LISC provides acquisition and construction loans for commercial and mixed-use projects. Loan amounts range from $500,000 – $5,000,000.

LEARN MORE

Maker Space loans

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.

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immito

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.

LEARN MORE

UPDATED: PAYMENT PROTECTION PROGRAM

Paycheck Protection Program (PPP) loans

  • 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.

Learn more about the PPP at the U.S. Small Business Administration (SBA) website.

 

First Draw PPP Loans


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 mapAll 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:


 

Second Draw PPP Loans


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 mapAll 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:

 

PPP Loan Forgiveness


Borrowers may be eligible for loan forgiveness.

First Draw PPP Loan forgiveness terms

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.

Frequently Asked Questions about PPP Loan Forgiveness (10-13-2020)

Forgiveness forms and instructions

Learn more

 

UPDATED: COVID-19 Economic Injury Disaster Loans

COVID-19 Economic Injury Disaster Loans

This loan provides economic relief to small businesses and nonprofit organizations that are currently experiencing a temporary loss of revenue.

Loan details

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.

PURPOSE

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.gov OR 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)).

Supplemental Materials

COVID-19 EIDL Loan Application

Targeted EIDL Advance

COVID-19 Targeted EIDL Advance was 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 located in 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-T to 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.

SBA will reach out to you if you qualify!

Supplemental Materials

Shuttered Venue Operators Grant

Shuttered Venue Operators Grant

Emergency assistance for eligible venues affected by the COVID pandemic.

Program details

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.

For additional details, see our Shuttered Venue Operators Grants Frequently Asked Questions (revised 02-12-21).

Cross Program Eligibility on SBA Coronavirus Relief Options

Sign up for email alerts about this program.

Who can apply

Eligible entities include:

  • Live venue operators or promoters
  • Theatrical producers
  • Live performing arts organization operators
  • 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.

Video tutorials

For more information

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.

SBA Express Bridge Loans

SBA Express Bridge Loans

Enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly.

Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.

Terms

  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the EIDL loan

SBA Debt Relief

SBA Debt Relief

SBA is providing debt relief to existing SBA loan borrowers during the COVID-19 pandemic.

7(a), 504, and Microloans

Initial Debt Relief Assistance

As a part of the CARES Act, SBA is authorized to pay 6 months of principal, interest, and any associated fees that borrowers owe for all 7(a), 504, and Microloans reported in regular servicing status (excluding PPP loans).  This debt relief to borrowers was originally dependent on the loan being fully disbursed prior to September 27, 2020 and does not apply to loans made under the Economic Injury Disaster Loan (EIDL) program.

These original provisions were amended on December 27, 2020 through the Economic Aid to Hard-Hit Small Businesses, Non-Profits and Venues Act (Economic Aid Act).  The Economic Aid Act revised the eligibility criteria for assistance to include all 7(a), 504, and Microloans approved up to September 27, 2020 even if not fully disbursed. All other provisions for initial debt relief remained the same.

Borrowers need not apply for this assistance.  SBA provides this assistance automatically as provided below:

  • For loans not on deferment, SBA will make monthly payments based on the next payment due on eligible loans for a total amount equivalent to no more than 6 months of installment payments.
  • For loans currently on deferment, SBA will begin making monthly payments with the first payment due after the deferment period ends for a total amount equivalent to no more than 6 months of installment payments.

SBA has notified 7(a), 504, and Microloan Lenders that it will pay these borrower loan payments. Lenders are to report to SBA periodically on the amounts due once a loan is fully disbursed. Payments collected after March 27, 2020 may be applied to the outstanding loan balance or returned to the borrower at the borrower’s discretion.

Additional Debt Relief Assistance

The Economic Aid Act also authorized additional debt relief payments to 7(a), 504, and Microloan borrowers beyond the 6-month period prescribed in the CARES Act.  The level of assistance varies based on when the loan was approved and will begin on or after February 1, 2021.  Please contact your Lender for questions on the availability of this assistance for your SBA loan.

 THE INITIATIVES DESCRIBED ABOVE ARE LIMITED TO THE LEVEL OF AVAILABLE FUNDING PROVIDED BY CONGRESS.

Disaster Home and Business Loans

For current SBA Serviced Disaster (Home and Business) Loans: If your disaster loan was in “regular servicing” status on March 1, 2020, the SBA is providing automatic deferments through March, 31, 2021.

What does an “automatic deferral” mean to borrowers?

  • Interest will continue to accrue on the loan.
  • 1201 monthly payment notices will continue to be mailed out which will reflect the loan is deferred and no payment is due.
  • The deferment will NOT cancel any established Preauthorized Debit (PAD) or recurring payments on your loan.  Borrowers that have established a PAD through Pay.Gov or an OnLine Bill Pay Service are responsible for canceling these recurring payments.  Borrowers that had SBA establish a PAD through Pay.gov will have to contact their SBA servicing office to cancel the PAD.
  • Borrowers preferring to continue making regular payments during the deferment period may continue remitting payments during the deferment period. SBA will apply those payments normally as if there was no deferment.
  • After this automatic deferment period, borrowers will be required to resume making regular principal and interest payments.  Borrowers that cancelled recurring payments will need to reestablish the recurring payment.

If you have questions about your current loan and whether or not your loan is automatically deferred, please contact your Loan Servicing Office directly using the following information:

  • Birmingham Disaster Loan Servicing Center:
    • Phone: 800-736-6048
    • Email: BirminghamDLSC@sba.gov
  • El Paso Disaster Loan Servicing Center:
    • Phone: 800-487-6019
    • Email: ElPasoDLSC@sba.gov

Lender Guidance

7(a) and 504 Loan Program Guidance

Latest guidance:

Previous guidance:

Microloan Program Guidance

Latest guidance:

Previous guidance:

Other documents

Cross Program Eligibility on SBA Coronavirus Relief Options

Cross Program Eligibility on SBA Coronavirus Relief Options

A summary of criteria that must be met when considering different funding options

PPP Applicant Shuttered Venue Operators Grant Applicant COVID-19 EIDL Applicant
PPP Recipient

First Draw PPP borrowers may be eligible to apply for Second Draw PPP loans

May apply for SVOG if received a PPP loan prior to 12/27/20

May apply for EIDL; PPP and EIDL can’t be used for the same purpose/costs

Shuttered Venue Operators Grant Recipient

Not eligible to apply for PPP loan

May be eligible to receive a supplemental SVOG award

May apply for EIDL; SVOG and EIDL can’t be used for the same purpose/costs

COVID -19 EIDL Recipient

May apply for PPP; EIDL and PPP can’t be used for the same purpose/costs

May apply for SVOG; EIDL and SVOG can’t be used for the same purpose/costs

The same business cannot apply for more than one EIDL

State & Local Aid Available to Barbershops Impacted by COVID-19

State & Local Aid Available to Barbershops Impacted by COVID-19


GUTE-URLS

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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.

Click here for #ATLSTRONG’s FAQ page regarding Coronavirus.

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. 

 

CALIFORNIA

California gov logo

UNEMPLOYMENT BENEFITS

Tips for applying on UI Online

  • Everyone (UI and PUA applicants) uses the same form. Register or log in with Benefit Programs Online and click “File New Claim.”
  • 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 an Immediate Action Agreement to 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

 

California Coronavirus Response Website  

California Small Business FAQs

City of Los Angeles Small Business Emergency Microloan Program

    • $5,000 to $20,000

Interest Rates

    • 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.

SAN FRANCISCO

San Francisco Hardship Emergency Loan Program (SF HELP)

If your business is located in San Francisco, you may be eligible for a loan up to $50,000, with 0% interest rate. You must…

  • Be an existing business located in the City of San Francisco (SF Business address)
  • Be a for-profit business in good standing
  • Have total annual revenues under $2,500,000
  • Have a valid San Francisco Business License
  • Be free of any city/county tax liens or judgments
  • Have a business bank account
  • Demonstrate a 25% drop in revenues since January 1, 2020.
  • Must have 3 years remaining on lease, if business is location dependent.

For more info on the SF Hardship Emergency Loan Program, click here.

NOTE: There’s a temporary moratorium on Commercial Evictions Regulations for commercial tenant/or subtenant that…

  • is registered to do business in SF
  • has combined worldwide gross receipts for tax year 2019 equal to or below $25 million.

More info here


 

FOOD RESOURCES

https://www.fns.usda.gov/sites/default/files/snap-directory/California_SNAP_Logo.jpg

https://www.fns.usda.gov/sites/default/files/snap-directory/California_EBT_Card.jpgCalifornia

CalFresh

877-847-3663

Golden State Advantage EBT Card

877-328-9677


HELP FOR RENTERS, LANDOWNERS AND HOMELESS

The Tenant, Homeowner and Small Landlord Relief and Stabilization Act of 2020 provides renters, homeowners, and small landlords with relief if coronavirus or the quarantine has impacted your ability to pay all or part of your rent or mortgage.

More information is available at Housing is Key.

Renters

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.

Many utility providers are not shutting off services due to non-payment. Check with the California Public Utilities Commission for more information.

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

Learn more about other mortgage protections and resources (PDF).

Help for people experiencing homelessness

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.

Visit housing for agricultural workers to find out program eligibility.

Hotel rooms for healthcare workers

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.


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.


 

 


NYC

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

 

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.

Get more information about COVID-19 and your HRA benefits.

Keep Your Information Up-to-Date

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.


 

NEW JERSEY

The NJEDA is offering…

  • Small Business Emergency Assistance Loan (application opens April 13th, 2020 @ 9 AM)
  • Small Business Emergency Assistance Grant (application currently open here)

For more NJ-specific resources, click here.

 

https://faq.business.nj.gov/en/collections/2198378-information-for-nj-businesses-on-the-coronavirus-outbreak

  • General link COVID-19/Novel Coronavirus Information for New Jersey Businesses
  • Broken down into topics – with individual links within

.

OHIO

The Ohio Office of Small Business Relief Resource Site 

 

OKLAHOMA 

Oklahoma City Small Business Continuity Program

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

NOTE: Applications close April 17th. 

For more info, click here.

 

TEXAS

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.

FLORIDA

For info on FL’s state business recovery information, click here.

 

CONNECTICUT 

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.

MARYLAND

 

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.
  • Must be established prior to March 9, 2020.
  • $0 application fee
  • Apply by April 7, 2021

Click here for more info. 

WEST VIRGINIA 

COVID-19 business relief resources available here, including…

 

  • Electronic trainings on the Economic Injury Disaster Loan (EIDL) program and PPP.
  • Meeting link for these webinars are within the site (Registration is not required!)
  • April 15th-April 17th

 

      • Training log on information: 
        • Meeting Link: click here
        • Meeting Phone: 646-876-9923
        • Meeting ID: 498 988 675#

 

VIRGINIA

For COVID-19 Resources for small businesses in Virginia, click here

For state government updates regarding taxes, click here.

  • Any income tax payments due during the time period of April 1, 2020, to June 1, 2020, will now be due on June 1, 2020 *individual and corporate*
  • Late payment penalties will not be charged if payments are made by June 1, 2020. 

For more Virginia-specific resources, click here.

 

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 resposne 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.
    • Provides up to $7,500 in cash grants 

Click here for the application form. 

 

MASSACHUSETTS 

Berskishire Bank low-interest loans and grants are available, click here.

Fast Track Loan Program – Common Capital

Flexible Financing for Small Business – Franklin County CDC

  • 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.

Emergency micro-loan program, North Central MA has launchedclick here for more info.

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.

 

MINNESOTA

For MN-specfic Small Business Emergency Loans, click here

 

WASHINGTON 

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. 

For more info on this grant program, click here.

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.

To apply, head over to this page.

AMAZON (Seattle specfic) 

The e-commerce giant has announced a Neighborhood Small Business Relief Fund for Seattle-area businesses. To be eligible for a grant…

    • Recipients must have fewer than 50 employees or less than $7 million in annual revenue.
    • Located in the Seattle/Bellvue area.
    • You must have an Amazon account 

Apply here. 

 

UTAH

 

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

For more info, click here.

 

WISCONSIN

For a list of resources available to small businesses in Wisconsin during the COVID-19 outbreak, click here

 

~~~

For a full list of SBA Guidance & Loan resources, click here.

For more generalized information hub regarding small bushiness response to coronavirus, click here.