Business Recovery - Federal Assistance


Economic Injury Disaster Loans



  • Small businesses and non-profits that are currently experiencing a temporary loss of revenue due to COVID-19.  This includes agricultural businesses, including hose engaged in the production of food and fiber, ranching and raising livestock, and aquaculture.


  • Working capital, normal operating expenses, continuing health care benefits, rent, utilities and fixed debt payments.


  • 3.75% for small businesses
  • 2.75% for non-profits for these loans

Employee Retention Tax Credit

An Employee Retention Tax Credit is a fully refundable tax credit for eligible employers for payroll expenses, including allocable qualified health plan expenses.


  • Small businesses who do not participate in the Paycheck Protection Program, and
  • Businesses of all sizes that had to fully or partially suspend operations at the direction of the government due to the COVID-19 outbreak or have gross receipts that are 50% less than the same quarter the previous year, until they reach 80% of gross receipts


  • Refundable payroll tax credit
  • Employee retention tax credit of 50% of wages for each employee, capped at $10,000 in wages
  • IRS will provide employers with methods to request advance refunds to get the money back faster

Main Street Lending Program

The Main Street Lending Program provides loans to small and medium sized businesses as well as non-profits.  The program runs through five facilities and a variety of approved lenders.


  • Eligibility requirements vary by program and were updated July 31, 2020 for businesses and August 6, 2020 for non-profits
  • Applications are being accepted through December 31, 2020


  • Loans are not forgivable
  • Minimums under all programs vary but start at $250,000 for businesses and non-profits
  • Other terms vary by program


Small Business Association Bridge Loans

Small Business Administration Express Bridge Loans are available to those awating responses to applications for an economic injury disaster loan.


  • Must have a business relationship with a Small Business Administration (SBA) Express Lender
  • Must have applied for a direct SBA Economic Injury Disaster Loan
  • Need cash while waiting for finanization of the SBA loan
  • Must meet all other SBA 7(a)loan eligibility requirements


  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the Economic Industry Disaster Loan

Small Business Association Debt Relief

The Small Business Administration (SBA) is automatically paying the principal, interest and fees for most existing SBA loans disbursed prior to September 27, 2020.  Learn more


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