UNITED KINGDOM GOVERNMENT RELIEF

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.

Start now

 


Pay VAT deferred due to coronavirus (COVID-19)

Find out how to pay VAT payments deferred between 20 March and 30 June 2020. You can pay now or join the VAT deferral new payment scheme.

If you deferred VAT payments due between 20 March 2020 and 30 June 2020 and still have payments to make, you can:

  • pay the deferred VAT in full, on or before 31 March 2021
  • join the VAT deferral new payment scheme – the online service is open between 23 February 2021 and 21 June 2021
  • contact HMRC on Telephone: 0800 024 1222 by 30 June 2021 if you need extra help to pay

You may be charged interest or a penalty if you do not:

  • pay the deferred VAT in full by 31 March 2021
  • opt into the new payment scheme by 21 June 2021
  • agree extra help to pay with HMRC by 30 June 2021

Pay your deferred VAT in full

You can pay your deferred VAT in full by 31 March 2021.

You do not need to contact HMRC.

Join the VAT deferral new payment scheme

The VAT deferral new payment scheme is open from 23 February 2021 up to and including 21 June 2021.

If you’re on the VAT Annual Accounting Scheme or the VAT Payment on Account Scheme, you can join the scheme from 10 March 2021.

The new scheme lets you:

  • 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
  • correct errors on your VAT returns as soon as possible
  • make sure you know how much you owe, including the amount you originally deferred and how much you may have already paid

To use the online service, you must:

  • join the scheme yourself, your agent cannot do this for you
  • still have deferred VAT to pay
  • be up to date with your VAT returns
  • join by 21 June 2021
  • pay the first instalment when you join
  • pay your instalments by Direct Debit (if you want to use the scheme but cannot pay by Direct Debit, there’s an alternative entry route for you)

Join the scheme now

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:

  1. Fill in form VAT652.
  2. Send it to the VAT Error Correction Team.

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.

If you’re not able to pay your deferred VAT

If you’re still unable to pay and need more time, find out what to do if you cannot pay your tax bill on time.

To find what other support is available, use the Get help and support for your business guide.

 

 


Check if you’re eligible for the coronavirus Additional Restrictions Grant

The Additional Restrictions Grant (ARG) supports businesses that are not covered by other grant schemes or where additional funding is needed.

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.

Check if you’re eligible for the coronavirus Local Restrictions Support Grant (for open businesses)

The Local Restrictions Support Grant (LRSG (Open)) supports businesses that have been severely impacted due to temporary local restrictions.

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:

How to apply

Visit your local council’s website to find out how to apply.

Published 12 November 2020
Last updated 8 March 2021

Collection

Kickstart Scheme

The Kickstart Scheme provides funding to employers to create job placements for 16 to 24 year olds on Universal Credit.

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:

Employers can spread the start date of the job placements up until the end of December 2021.

Further funding is available for training and support so that young people on the scheme can get a job in the future.

The Kickstart Scheme has changed.

You no longer need a minimum of 30 job placements to apply directly for a grant.

You can now apply for a Kickstart Scheme grant by either:

  • applying online yourself
  • applying through a Kickstart gateway who is already working with the Kickstart Scheme

Guidance about the Kickstart Scheme

Contact information

If you need help with the Kickstart Scheme process or you want to add more job placements or employers to your grant agreement, you can contact:

  • your local employer contact if you are located in a specific region
  • the national employer contact if you are located across several regions

Kickstart Scheme promotional material

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.

Kickstart Scheme terms and conditions

If you want to read the terms and conditions for employers and Kickstart gateways you can find them on the Kickstart Scheme terms and conditions page.

Published 2 September 2020
Last updated 25 January 2021

If you cannot pay your tax bill on time

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What to do

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.

This guide is also available in Welsh (Cymraeg).

If you cannot pay because of coronavirus (COVID-19)

You may be able to pay your Self Assessment tax in monthly instalments. This includes any delayed (deferred) ‘payments on account’ that were due in July 2020, if you did not pay them at the time.

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.

Contact the HMRC coronavirus (COVID-19) helpline if you cannot pay any other tax bills because of coronavirus.

If you’re self-employed

If your business has been affected by coronavirus (COVID-19), you may be able to claim a grant through the Self-Employment Income Support Scheme.

If you cannot pay your Self Assessment tax bill

You can set up a payment plan online to spread the cost of your latest Self Assessment bill if:

  • you owe £30,000 or less
  • 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 need a larger loan, you may be entitled to other government support.

Eligibility

You can apply for a loan if your business:

  • is based in the UK
  • was established before 1 March 2020
  • has been adversely impacted by the coronavirus

If your business was classed as a business in difficulty on 31 December 2019 you’ll need to confirm that you’re complying with additional state aid restrictions.

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

If you’re already claiming funding

You cannot apply if you’re already claiming under:

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.

Find a lender

If the lender turns you down

If one lender turns you down, you can apply to other lenders in the scheme.

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.

Find out how other businesses have used Bounce Back Loans.


Apply for the Coronavirus Business Interruption Loan Scheme

The Coronavirus Business Interruption Loan Scheme (CBILS) provides financial support to smaller businesses affected by coronavirus (COVID-19).

The scheme helps small and medium-sized businesses to access loans and other kinds of finance up to £5 million.

The government guarantees 80% of the finance to the lender and pays interest and any fees for the first 12 months.

The scheme is open until 31 March 2021.

If you’re a larger business, you may be entitled to other government support.

Eligibility

You can apply for a loan if your business:

  • is based in the UK
  • has an annual turnover of up to £45 million

You need to show that your business:

  • would be viable were it not for the pandemic
  • has been adversely impacted by the coronavirus

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.

Find a lender

If the lender turns you down

If one lender turns you down, you can apply to other lenders in the scheme.

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.


Find out what help you might be able to get from your council if you or your business is affected by coronavirus (COVID-19).

You might be able to get:

  • money to help with living costs
  • help getting food and other essentials
  • support for your business
Postcode lookup

For example SW1A 2AA

Find a postcode on Royal Mail’s postcode finder

CANADA GOVERNMENT ASSISTANCE

FINANCIAL SUPPORT FOR INDIVIDUALS

 

EMPLOYEE INSURANCE (EI) PROGRAM

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.

Apply to Employment Insurance

If you are not eligible for EI or if you’ve received the maximum number of weeks of EI regular benefits, you may be eligible for the new benefits:

Update

  • If you’ve received this benefit in 2020, learn how to report it for your tax return.

 


CANDA RECOVERY BENEFIT (CRB)

The CRB provides $500 ($450 after taxes withheld) per week for up to 26 weeks for workers who:

  • are not employed or self-employed for reasons related to COVID-19  or have had their income reduced by at least 50% due to COVID-19
  • are not eligible for Employment Insurance (EI)
  • meet all the eligibility criteria for period they’re applying for

Apply to the Canada Recovery Benefit

Updates

 


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.

Apply to the Canada Recovery Sickness Benefit

Updates

 


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.

Apply to the Canada Recovery Caregiving Benefit

Updates

 


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.

Learn more about Mortgage patient deferral

 


PROVINCIAL & TERRITORIAL SUPPORT

Other supports may be available to you in your province or territory

 


FINANCIAL SUPPORT FOR BUSINESSES

 

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.

Learn more about (CEBA)


CANADA EMERGENCY RENT SUBSIDY (CERS)

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%.

APPLY TO CERS

Update

The government has announced a proposed extension of the current CERS and Lockdown Support rate until June 5, 2021.

 


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.

Learn more about HASCAP eligibility requirements

 


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.

This program is now available at various banks and credit unions.

This support is available until June 2021.

Learn more about the loan guarantee

 


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.

This program is now available at various banks and credit unions.

This support is available until June 2021.

Learn more about the Co-lending program

 


REGIONAL RELIEF & RECOVERY FUND (RRRF)

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.

APPLY to the RRRF through your local Regional Development Agency

 


BLACK ENTERPRISE LOAN FUND

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.

This support is available until June 2021.

Learn more about the mid-market financing program

 


MID-MARKET GUARANTEE AND FINANCING PROGRAM

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.

APPLY to the MID-MARKET GUARANTEE & FINANCING PROGRAM

 


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.

APPLY to LEEFF program

 


RELIEF MEASURES FOR INDIGENOUS BUSINESS

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.

Learn more about this measure for Indigenous SME

 


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.

APPLY to the INDIGENOUS COMMUNITY BUSINESS FUND


CANADA EMERGENCY WAGE SUBSIDY (CEWS)

We are covering up to 75% of an employee’s wages for qualifying eligible employers to keep and re-hire employees and avoid layoffs.

Apply for the CEWS

Update

The government has announced a proposed extension of the current CEWS rates until June 5, 2021.


EXTENDING the WORK-SHARING PROGRAM

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.

Apply to the Work-Sharing program

 


 

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).

Application

4) Remission is granted for goods listed in the Certain Goods Remission Order (COVID-19), SOR-2020-101, under the following conditions:

  • 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.

Corrections, Re-Determinations, and Refunds

9) Where the remission order is applicable, and an overpayment of customs duty has been identified on commercial importations, Form B2, Canada Customs – Adjustment Request may be filed in a regional CBSA office requesting a refund of the overpaid amount under section 74(1)(g) of the Customs Act. Please refer to Memorandum D17-2-1, The Coding, Submission and Processing of Form B2 Canada Customs Adjustment Request, for additional information on completing Form B2.

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.

11) A Blanket B2 request may be submitted to request a refund of customs duties on more than 25 transactions. For the procedures surrounding the preparation and presentation of Blanket B2 Adjustment Requests, please refer to Memorandum D17-2-4, Preparation and Presentation of Blanket B2 Adjustment Requests.

12) Where the remission order was applicable and customs duty has been paid on non-commercial importations, Form B2G, Informal Adjustment Request may be sent to one of the CBSA’s five casual refund centres, in accordance with the instructions outlined in Memorandum D6-2-6, Refund of Duties and Taxes on Non-Commercial Importations.

Additional Information

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.

Appendix A

Goods eligible for relief under the Certain Goods Remission Order (COVID-19)

*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.

Learn more

 


General Government Assistance: Updated

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.

 


New Payments for eligible unemployed adults

Apply online

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.

Apply Online


2021 Economic Impact Payment Status Available

Find when and how the IRS sent your 2021 Economic Impact Payment with the Get My Payment tool.

Get My Payment

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

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

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

 

 

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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.


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

Click here for the application form. 


 

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.


 

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.

Apply Now!

Not sure if you qualify? Use our Eligibility Check!

WHICH LOAN IS RIGHT FOR ME?

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.

Learn more and apply …

IMMIGRATION LOAN
$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

Learn more and apply …

OTHER PERSONAL LOANS
$700 to $2,000 • 24% Annual Percentage Rate
For any other personal purchase or expense such as security deposits, car repairs, computer purchase, etc.
No closing fee or down payment. Monthly repayment over 2 years. Example Lifetime Cost: A $1,000 loan costs $1,269.

Learn more and apply …


 

 

FLORIDA

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

 

MIAMI-DADE COUNTY

 

About the Business Grants & Incentives Program

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.

View all grants & incentives.

Available Business Grants:

Commercial Façade Improvement Grant

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.

Application and Guidelines

Retail Recruitment Grant

Businesses that match one of the following classifications are eligible to apply for a targeted retail recruitment grant:

  • Restaurants
  • Gourmet Food Markets
  • Specialty Business such as stationery, gifts, sporting goods, flower shop, book stores, Jewelers
  • Retail, including clothing, clothing boutiques, shoes, accessories
  • Home Décor/Design-home furnishings, Kitchen Wares
  • Art & Music Galleries
  • Specialty Food-coffee, juice, sandwich, bakeries and ice cream shops
  • Stationary and Flower Shops
  • Specialty Brewers and Vintners/ Wine

Application and Guidelines – Retail Recruitment

Commercial Interior Build-Out Grant

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.

Application and Guidelines

Retail Recruitment Grant

Businesses that match one of the following classifications are eligible to apply for a targeted retail recruitment grant:

  • Restaurants
  • Gourmet Food Markets
  • Specialty Business such as stationery, gifts, sporting goods, flower shop, book stores, Jewelers
  • Retail, including clothing, clothing boutiques, shoes, accessories
  • Home Décor/Design-home furnishings, Kitchen Wares
  • Art & Music Galleries
  • Specialty Food-coffee, juice, sandwich, bakeries and ice cream shops
  • Stationary and Flower Shops
  • Specialty Brewers and Vintners/ Wine

Application and Guidelines – Retail Recruitment

Commercial Rent Reimbursement Grant

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).

Application and Guidelines

Retail Recruitment Grant

Businesses that match one of the following classifications are eligible to apply for a targeted retail recruitment grant:

  • Restaurants
  • Gourmet Food Markets
  • Specialty Business such as stationery, gifts, sporting goods, flower shop, book stores, Jewelers
  • Retail, including clothing, clothing boutiques, shoes, accessories
  • Home Décor/Design-home furnishings, Kitchen Wares
  • Art & Music Galleries
  • Specialty Food-coffee, juice, sandwich, bakeries and ice cream shops
  • Stationary and Flower Shops
  • Specialty Brewers and Vintners/ Wine

Application and Guidelines – Retail Recruitment

Upper Floor Residential Grant

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.

Application and Guidelines

Commercial Landscape Grant Program

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.

Application and Guidelines

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.

Application and Guidelines

Commercial Real Estate Redevelopment Grant

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.

Application and Guidelines

 

CITY OF BOYNTON BEACH

$300,000 IN SMALL BUSINESS GRANTS AVAILABLE

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.

View a list of Frequently Asked Questions.

Questions? Durganj@bbfl.us or 561-742-6014.


VACCINES

COVID-19 Vaccines in Florida

Latest Vaccine Updates

3/15

All individuals 60+ are now eligible to receive the vaccine in Florida. At this time, vaccine is available for:

  • Persons 60 years of age and older
  • Persons determined to be extremely. vulnerable by a physician (form required)
  • Health care workers with direct patient contact
  • K-12 school employees 50 years of age and older
  • Firefighters 50 years of age and older

Find Eligibility information here 

 

3/1

Governor DeSantis has expanded the groups eligible to receive the COVID-19 vaccine in Florida. Beginning March 3, eligible residents include:

  • Long-term care facility residents and staff;
  • Persons 65 years of age and older;
  • Persons under 65 deemed medically vulnerable by a physician;
  • 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:

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

How do I apply for this program?


To get an application and to find out how and where to apply for help, contact your local LIHEAP provider.

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.

How can I contact someone?


For more information, please visit the LIHEAP homepage.


 

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

 

Homeowners

 

Renters
Developers, Property Owners & Managers
State Housing Initiatives Partnership Program – SHIP

FOOD ASSISTANCE

 

What is Florida Food Assistance Program (SNAP)?


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.

How do I apply for Florida Food Assistance Program (SNAP)?


To apply online please visit the Florida Department of Children and Families online application portal.

How can I contact someone?


For additional information, visit the General Information about Food Assistance page.

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.

Apply Now!

Not sure if you qualify? Use our Eligibility Check!

WHICH LOAN IS RIGHT FOR ME?

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.

Learn more and apply …

IMMIGRATION LOAN
$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

Learn more and apply …

OTHER PERSONAL LOANS
$700 to $2,000 • 24% Annual Percentage Rate
For any other personal purchase or expense such as security deposits, car repairs, computer purchase, etc.
No closing fee or down payment. Monthly repayment over 2 years. Example Lifetime Cost: A $1,000 loan costs $1,269.

Learn more and apply …

WEATHERIZATION LOAN
$500 to $25,000 • 7.99, 9.99 or 10.99% Annual Percentage Rate
For measure to make your home more energy efficient and safe, for example insulations, replacing light bulbs, sealing ducts, etc.
No closing fee or down payment. Monthly repayment over 2 to 7 years. Example Lifetime Cost: A $500 loan costs $539.95.

Learn more and apply …

 


 

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. 

 


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.


CRISIS RELIEF LOANS by Capital Good Fund

Apply Now!

Not sure if you qualify? Use our Eligibility Check!

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?

Apply Now!

Not sure if you qualify? Use our Eligibility Check!


MINNESOTA

 

For MN-specfic Small Business Emergency Loans, click here

 


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

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.

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.


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).

FIND A COVID-19 VACCINE

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.

Third Vaccine Authorized

The Food and Drug Administration (FDA) has granted an emergency use authorization for the Johnson & Johnson/Janssen COVID-19 vaccine. This vaccine has been shown to have 85% efficacy in preventing severe COVID-19 illness.

Appointments for Second Dose

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.

More Vaccine Information

 

Testing Locations

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.

To make an appointment, contact a Housing Ambassador directly.

Ready to Rent is funded by City Council and is a collaborative effort between the Departments of Housing Preservation and Development (HPD) and Consumer Affairs’ Office of Financial Empowerment (DCA OFE), with special programming by Ariva.

Download the Ready to Rent flyer.

Additional Languages:

 


 

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.

For your convenience, we have translated this fact sheet into 12 different languages:
Available in English, Spanish/Español, Chinese (Traditional)/繁體中文, Chinese (Simplified)/简体中文, Russian/Русский, Arabic/العربية, Haitian Creole/Kreyòl Ayisyen, Korean/한국어, Bengali/ বাংলা, Urdu/اردو, Polish/Polski, French/Français

Last Updated: December 30, 2020


 

fire escapes and apartment windows

New York City Tenant Resource Portal

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:
    • Services to prevent eviction
    • Help getting public benefits
    • Emergency rental assistance
    • Education and job placement assistance
    • Financial counseling and money management
    • Help moving
    • Short-term financial assistance

FOOD ASSISTANCE

How do I apply for the Supplemental Nutrition Assistance Program (SNAP)?

You can apply for the Supplemental Nutrition Assistance Program:

Online:
myBenefits.ny.gov

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.

In writing:
Print and mail or fax the SNAP Application and How to Complete the SNAP Application forms to your local department of social services.

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.

Authorized Representatives

If you are experiencing a hardship, or are disabled, you may have someone apply for you. Print the person’s name, address and phone number on the signature page (page 5) of your Supplemental Nutrition Assistance Program (SNAP) application or please fill out and sign the Supplemental Nutrition Assistance Program (SNAP) Authorized Representative Request Form and give the completed form to your worker or SNAP office.


Plentiful for Families

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.
    • Vegetarian meals are available at all locations.
  • Members of the community can pick up meals from 3:00 pm – 5:00 pm, Monday to Friday at locations across the city(Open external link). Please view the DOE calendar for more information
    • 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.

Find a Community Meal Site


COVID-19

Nutrition Kitchen

Nutrition Kitchen (food pantry) will be available to the community as scheduled. For more information, please see the expanded hours below.

COVID-19
An image with text reading Family Food Distribution. It includes a schedule as well as logos at the bottom.

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

Bronx

Belmont/East Tremont: includes parts of City Council District 9. Zip codes 10457, 10458, and 10460. (En Español)

Fordham/University Heights: includes parts of City Council Districts 14 and 15. Zip codes 10453, 10457, 10458, and 10468. (En Español)

Highbridge/Concourse: includes parts of City Council District 16. Zip codes 10451 and 10452. (En Español)

Hunts Point/ Longwood: includes parts of City Council Districts 17 and 18. Zip codes 10455, 10459, and 10474. (En Español)

Kingsbridge Heights/Bedford: includes parts of City Council Districts 11 and 15. Zip codes 10458, 10463, 10467, and 10468. (En Español)

Morris Park/Bronxdale: includes parts of City Council District 13. Zip codes 10461 and 10462. (En Español)

Morrisania/Crotona: includes parts of City Council Districts 16 and 17. Zip codes 10456, 10459, and 10460. (En Español)

Mott Haven/Melrose: includes parts of City Council Districts 8 and 17. Zip codes 10451, 10454, 10455, and 10456. (En Español)

Parkchester/Soundview: includes parts of City Council District 18. Zip codes 10462, 10472, and 10473. (En Español)

Riverdale/Fieldston: includes parts of City Council District 11. Zip codes 10463, 10468, and 10471. (En Español)

Throgs Neck/Co-op City: includes parts of City Council District 12 and 13. Zip codes 10464, 10465 and 10475. (En Español)

Williamsbridge/Baychester: includes parts of City Council District 12. Zip codes 10466, 10467, 10469, and 10470. (En Español)

Brooklyn

Bay Ridge/Dyker Heights: includes parts of City Council Districts 38 and 43. Zip codes 11209, 11220, 11228, and 11252. (En Español)

Bedford/Stuyvesant: includes parts of City Council District 36. Zip codes 11205, 11206, 11216, 11221, 11233, and 11238. (En Español)

Bensonhurst: includes parts of City Council Districts 43, 44, and 47. Zip codes 11204, 11214, and 11228. (En Español)

Borough Park: includes parts of City Council District 39. Zip codes 11204, 11218, 11219, and 11230. (En Español)

Brownsville: includes parts of City Council District 41. Zip codes 11212 and 11233. (En Español)

Bushwick: include parts of City Council Districts 34 and 37. Zip codes 11206, 11207, 11221, and 11237. (En Español / 简体中文)

Canarsie/Flatlands: includes parts of City Council Districts 45 and 46. Zip codes 11210, 11234, and 11236. (En Español / Kreyòl Ayisyen)

Coney Island: includes parts of City Council District 47. Zip code 11223 and 11224. (En Español)

Crown Heights/Prospect Heights: includes parts of City Council District 35, 36, 40 and 41. Zip codes 11213, 11216, 11225, 11233 and 11238. (En Español)

East Flatbush: includes parts of City Council Districts 40, 41, 45. Zip codes 11203. and 11243. (En Español / Kreyòl Ayisyen)

East New York/Starrett City: includes parts of City Council Districts 37 and 42. Zip codes 11207, 11208, 11239 and 11256. (En Español)

Flatbush/Midwood: includes parts of City Council Districts 40, 41, and 45. Zip codes 11210, 11226, and 11230. (En Español)

Fort Greene/Brooklyn Heights: includes parts of City Council Districts 33 and 35. Zip codes 11201, 11205, 11217, 11238, 11241, and 11242. (En Español / 简体中文)

Park Slope/Carroll Gardens: includes City Council District 39. Zip codes 11201, 11215, 11217, and 11231. (En Español)

Sheepshead Bay: includes parts of City Council Districts 46 and 48. Zip codes 11229 and 11235. (En Español / 简体中文)

South Crown Heights/Lefferts Gardens: includes parts of City Council Districts 35 and 40. Zip codes 11213 and 11225. (En Español / Kreyòl Ayisyen)

Sunset Park: includes parts of City Council District 38. Zip codes 11220 and 11232. (En Español / 简体中文)

Williamsburg/Greenpoint: includes parts of City Council Districts 33 and 34. Zip codes 11206, 11211, 11222, and 11249. (En Español)

Manhattan

Central Harlem: includes parts of City Council Districts 7 and 9. Zip codes 10026, 10027, 10030, 10037, and 10039. (En Español / Kreyòl Ayisyen)

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)

Greenwich Village/Soho: includes parts of City Council Districts 1 and 3. Zip codes 10003, 10011, 10012, 10013, and 11014. (En Español / 简体中文)

Lower East Side/Chinatown: includes parts of City Council Districts 1 and 2. Zip codes 10002, 10003, 10009, 10013, and 10038. (En Español / 简体中文)

Midtown: includes parts of City Council Districts 4 and 5. Zip codes 10001, 10003, 10010, 10011, 10017, 10018, 10019, 10020, 10022, 10103, 10104, 10105, 10106, 10107, 10108, 10110, 10111, 10112, 10118, 10119, 10120, 10121, 10122, 10123, 10151, 10152, 10153, 10154, 10155, 10158, 10165, 10166, 10167, 10168, 10169, 10170, 10171, 10172, 10173, 10175, 10176, 10177, and 10178. (En Español)

Morningside Heights/Hamilton Heights: includes parts of City Council Districts 7 and 9. Zip codes 10025, 10027, 10031, and 10115. (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)

Washington Heights/Inwood: includes parts of City Council District 10. Zip codes 10032, 10033, 10034, and 10040. (En Español)

Queens

Bayside/Little Neck: includes parts of City Council Districts 19 and 23. Zip codes 11360, 11361, 11362, 11363, and 11364. (En Español / 简体中文)

Elmhurst/Corona: includes parts of City Council District 21. Zip codes 11368 and 11373. (En Español /简体中文)

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)

Hillcrest/Fresh Meadows: includes parts of City Council Districts 23 and 24. Zip codes 11365 and 11366. (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)

Rego Park/Forest Hills: includes parts of City Council District 29. Zip codes 11374 and 11375. (En Español)

Ridgewood/Maspeth: includes parts of City Council Districts 30 and 34. Zip codes 11378, 11379, and 11385. (En Español)

Rockaway/Broad Channel: includes parts of City Council Districts 31 and 32. Zip codes 11691, 11692, 11693, 11694, and 11697. (En Español)

South Ozone Park/Howard Beach: includes parts of City Council Districts 28 and 32. Zip codes 11414 11420, and 11430. (En Español)

Woodside/Sunnyside: includes parts of City Council Districts 22, 26, 30 and 49. Zipcodes 11101, 11104 and 11377. (En Español / 简体中文)

Staten Island

Stapleton/St. George: includes parts of City Council District 49. Zip codes 10301, 10302, 10303, 10304, 10305, and 10310. (En Español)

South Beach/Willowbrook: includes parts of City Council District 50. Zip codes 10305, 10306, 10311, 10313, and 10314. (En Español)

Tottenville/Great Kills: includes parts of City Council District 51. Zip codes 10307, 10308, 10309, and 10312. (En Español)


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’ve created a comprehensive map of places that are providing food, free of charge, across New York City, along with additional resources to get help finding food.

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:

Emergency Food Assistance Program

Become an Emergency Food Provider

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.”

Forms and Lists


MISCELLANEOUS

 

Learning Bridges

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

  • If you are interested in the Learning Bridges program, please complete the Learning Bridges application(Open external link).
  • 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.

Call 911 for safety or medical emergencies

Get the latest information on the coronavirus (COVID-19)

For the latest updates, follow @MentalHealthNYC on Twitter

 


 

Get Covered NYC

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

 


 

Burial Assistance

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

Image of a man at a grave with flowers

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.

Open the Burial Services Outreach Brochure.


Lifeline Telephone Service

Save Money on Your Phone Bill

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.

Get DCWP Alerts and Information During COVID-19 Crisis, including price gouging complaints and workplace safety and laws.

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:

  • Manage your money and set up a spending plan
  • Contact creditors about existing loans, including student loans. Get student loan debt tips during COVID-19.
  • Draft letters to creditors to lower payments or temporarily suspend payments due to hardship
  • Develop a strategy to minimize debt
  • Access local, state, and federal emergency resources
  • Open a bank account
  • Separate personal and business finances
  • Navigate the IRS Get My Payment tool for economic impact payments. Learn more about economic impact payments.
  • And much more

Book an appointment online and create/login to your Financial Empowerment Portal account. OR Call 311 to book an appointment.


 

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.


RHODE ISLAND

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.

Apply Now!

Not sure if you qualify? Use our Eligibility Check!

WHICH LOAN IS RIGHT FOR ME?

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.

Learn more and apply …

IMMIGRATION LOAN
$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

Learn more and apply …

OTHER PERSONAL LOANS
$700 to $2,000 • 24% Annual Percentage Rate
For any other personal purchase or expense such as security deposits, car repairs, computer purchase, etc.
No closing fee or down payment. Monthly repayment over 2 years. Example Lifetime Cost: A $1,000 loan costs $1,269.

Learn more and apply …

WEATHERIZATION LOAN
$500 to $25,000 • 0% Annual Percentage Rate
For measure to make your home more energy efficient and safe, for example insulations, replacing light bulbs, sealing ducts, etc.
No closing fee or down payment. Monthly repayment over 2 to 7 years. Example Lifetime Cost: A $5,000 loan costs $5,000.

Learn more and apply …


 

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.


 

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.

Apply Now!

Not sure if you qualify? Use our Eligibility Check!

WHICH LOAN IS RIGHT FOR ME?

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.

Learn more and apply …

IMMIGRATION LOAN
$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

Learn more and apply …


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.


 

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.

 

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. 

 


 

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#

 

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.

 

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:

USAGov Logo

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.

LEARN MORE

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.