COVID-19 Small Business Resources

COVID-19 small business resources

This COVID-19 small business resource guide is committed to providing the latest information, tools and support available to small businesses impacted by the COVID-19/novel coronavirus outbreak. This page will be update weekly as new federal, state and private resources to assist small businesses become available. Additionally, you can also receive professional business advice and free or low-cost business training from your local Small Business Development Center!

About COVID-19, also known as the Novel Coronavirus

SARS-CoV-2, or Severe Acute Respiratory Syndrome Coronavirus 2, is the formal designation for the virus that causes COVID-19, or Coronavirus Disease 2019. Comprehensive information regarding the virus, disease and protection measures can be found at the U.S. Center for Disease Control and Prevention and the World Health Organization. With global spread at an alarming rate, the World Health Organization declared this outbreak a pandemic on March 11th, 2020.

COVID-19 Assistance for Small Business

The U.S. Small Business Administration announced on March 12, 2020 that they will be processing disaster assistance loans for small businesses negatively impacted by COVID-19/novel coronavirus and the federal, state and local efforts to combat the spread. These assistance programs provide targeted, low-interest disaster recovery loans to small businesses impacted by the outbreak. The following includes information on the SBA’s Economic Injury Disaster Loan (EIDL) program as well as federal, state and private resources for small businesses dealing with the impact of COVID-19.

Accessing SBA’s COVID-19 (Coronavirus) Disaster Relief Lending

  • The U.S. Small Business Administration is offering disaster-designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the COVID-19/coronavirus outbreak. Upon a request received from a state’s or territory’s Governor, SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration.
  • Any such Economic Injury Disaster Loan assistance declaration issued by the SBA makes loans available to small businesses and private, non-profit organizations in designated areas of a state or territory to help alleviate economic injury caused by the COVID-19/coronavirus outbreak.
  • SBA’s Office of Disaster Assistance will coordinate with the state’s or territory’s Governor to submit the request for Economic Injury Disaster Loan assistance.
  • Once a declaration is made for designated areas within a state, the information on the application process for Economic Injury Disaster Loan assistance will be made available to all affected communities.
  • These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for non-profits is 2.75%.
  • SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.
  • SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.

Small Business Eligibility

Who is eligible:

  • A small business concern
  • Most private non-profits of any size
  • A small business engaged in aquaculture
  • Small agricultural cooperative

Eligibility criteria:

  • Located (physical presence) within the disaster-declared areas
  • Have suffered, or are likely to suffer, substantial economic injury as a result of the disaster
  • Do not have Credit Available Elsewhere
  • The size of the applicant alone (without affiliates) must not exceed the size standard for the industry in which the applicant is primarily engaged and
  • The size of the applicant combined with its affiliates must not exceed the size standard designated for either the primary industry of the applicant alone or the primary industry of the applicant and its affiliates, whichever is higher.
  • Must be an independently owned and operated business

For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail (link sends e-mail).

SBA Resources

Disaster Loan Assistance Application

Presidential and SBA Declared Disaster Areas (check for Coronavirus (COVID-19) SBA declared disaster by state or by county)

Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease 2019 (COVID-19)

Other Federal COVID-19 Small Business Resources

U.S. Department of Labor Coronavirus Resources covering issues such as workplace safety; wage, hours, and leave; unemployment insurance flexibilities; and  injured federal workers.

Occupational Safety and Health Administration Guidance on Preparing Workplaces for COVID-19.

Resources for Businesses and Employers and community resources from the Centers for Disease Control

FEMA Coronavirus best practices, fact sheets, and other community resources

State COVID-19 Small Business Resources Resources

While the SBA designates disaster areas at the county-level, it is possible that an entire states be declared disaster areas. The SBA Emergency Injury Disaster Loan is one component to support small businesses. Some states or municipalities may provide financial assistance to small businesses. The following are COVID-19 specific state resources.


Alabama Department of Revenue Coronavirus (COVID-19) Outbreak Updates

Business Resources for Coronavirus Response from the Chamber of Commerce Association of Alabama


Business Resources for Coronavirus from the Alaska Chamber


Resources and Information for Arizona Small Businesses Affected by COVID-19

Coronavirus Information Center a project of Chamber Business News


COVID-19 Resources for Businesses and Employers from the Arkansasa Economic Commission

Update on State Actions Regarding COVID-19 from the Arkansas Chamber of Commerce


Coronavirus (COVID-19) Resources – information for employers, employees and residents compiled by the California Governor’s Office of Business and Economic Development

Small Business Finance Center (SBFC)


COVID-19 Small Business Response Resources – statewide resources from the Colorado SBDC

Information and Resources on Coronavirus – resources for employees and employers from the Colorado Department of Labor and Employment


Coronavirus Disease 2019 (COVID-19) Business Resources

COVID19 Business Resource Center – from the Connecticut SBDC


COVID-19 Information for Delaware Small Businesses


COVID-19 Business Resources & Economic Relief

Coronavirus: Small Business Updates and Resources from the Tampa Bay SBDC


Georgia Department of Economic Development: COVID-19 Updates


Hawaii Chamber of Commerce: Preparing your business for COVID-19


Idaho Department of Commerce COVID-19 Information


Illinois Department of Commerce and Economic Opportunity – COVID-19 Information for Small Business


Information and Resources for Small Businesses – from the Indiana Chamber of Commerce

Indiana COVID-19 Business Resource Center


COVID-19: Iowa Business Recovery Assistance


Kansas Department of Commerce Resources for Businesses

Coronavirus (COVID-19) Business Resources & Updates


Kentucky Chamber Business Resources for Employers for Coronavirus


Louisiana Economic Development (LED) Resources for Impacted Businesses


COVID-19 Relief Loan Programs – from the Finance Authority of Maine


Coronavirus (COVID-19) Information for Businesses – resources are available through the Department of Commerce and the Department of Labor.


COVID-19 Resources and Guidance for Businesses

Massachusets Growth Capital Corporation Emergency Loan Fund


Resources for Michigan Businesses during COVID-19 – from the Michigan Economic Development Corporation


COVID-19 Business Toolkit – from the Minnesota Chamber of Commerce


Mississippi Emergency Management Agency COVID-19 Resources – state of emergency declaration, testing sites, and closures


Small Business Disaster Loan Program


Montana COVID-19 Community Resources


Nebraska COVID-19 Community Resources


Guidance to Nevada’s Employers and Workforce – resources from the Department of Health and Human Services

New Hampshire

COVID-19 NH Business Resources

New Jersey

COVID-19/Novel Coronavirus Information for New Jersey Businesses

New Mexico

Information for Workers & Businesses Affected by COVID-19

New York

Assistance & Guidance for Businesses Impacted Due to Novel Coronavirus

North Carolina

COVID-19: Resources for Businesses and Employers

North Dakota

COVID-19 Business and Employer Resources


Businesses/Employers – COVID-19 Checklist


COVID-19 Resources from the Oklahoma Department of Commerce


Coronavirus (COVID-19) Resources for Businesses


Responding to COVID-19 – for businesses

Business Resources for Coronavirus – from the Pennsylvania Chamber of Business and Industry

Rhode Island

COVID-19 Resources – from the Rhode Island Commerce Corporation

South Carolina

Interim Guidance for Businesses and Employers

South Dakota

COVID-19 Resources – from the South Dakota Governor’s Office of Economic Development


COVID-19 Small Business Resources


COVID-19 Business Resources – from the Texas Economic Development


Coronavirus Resources for Businesses


COVID-19 Guidance for Vermont Businesses


COVID-19 Resource Center – from the Virginia Chamber of Commerce


COVID-19 Resource List for Impacted Washington Businesses

Washington, DC

Recovery Resources for Businesses

West Virginia

Coronovirus Disease (COVID-19) – information from the Department of Health and Human Resources

Wisconsin (see Business tab)

COVID-19 Business Resources


COVID-19 Response Tips for Small Businesses

Additional Resources

Already in business or thinking about starting your own small business? Check out our various small business resources:

Remember, you can also receive free professional business advice and free or low-cost business training from your local Small Business Development Center!

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