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COVID-19 Small Business Relief Finder
Find financial relief to get your business through COVID-19.

We’ve sorted through federal, state, and private resources to help you find loans, credits, and grants for your small business.
Use our table to find relief options and apply now.
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Explore your small business relief options
We’ve organized all the federal, state, and local small business relief options in one place. Use our table below to find the loans, grants, and credits that can help you navigate this challenging time.
Did we miss anything? Submit a resource
The resources are organized by state, and you can use the filter feature at the top of the spreadsheet to show programs by resource type, business type, or other criteria that’s relevant to your business. Click the magnifying glass icon
in the upper-right corner to search for a specific state or program. You can also download a copy of the entire table by clicking the three dots in the menu and selecting “download CSV.”
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What are the different types of COVID-19 relief programs?
There are several kinds of financial assistance programs available for small businesses affected by COVID-19. Many of the national resources were created by federal legislation, like the Coronavirus Aid, Relief, and Economic Security (CARES) Act. There are also state, regional, and city-specific programs designed to support local businesses.
Types of financial programs
- A loan is borrowed money that’s paid back over time. Depending on the loan terms, the amount may need to be repaid with interest or within a certain timeframe. Some loans, like the Paycheck Protection Program (PPP) loan that was established by the CARES Act, may be forgivable if all the loan criteria are met.
- A grant is money that does not need to be repaid. While many of the COVID-19 business grants come from the private sector, there are also grants that are sponsored by governments.
Here, we'll take a look at a handful of key questions to ask yourself when choosing the right relief option for your business and also will look at some of the larger short-term relief options available to small businesses.

What to consider when choosing the right relief option for your business
How much money do you need?
Some businesses may go far with a small cash infusion, while other companies may need a significant amount of capital to stay afloat during times of crisis.
What type of business do you own?
Some loans and grants are created for specific industries or business types, so it may be a good idea to find those relief programs that apply specifically to your business. For instance, some grant programs are designed for nonprofit organizations, while others have funds reserved for women-owned businesses.
How many employees do you have?
Many loans and grants have size requirements, which need to be taken into account. A small mom-and-pop business with 10 employees may be ineligible for a program tailored to businesses with 100 employees and vice-versa.
How do you plan to use the money?

National resources for COVID-19 relief
There are several small business relief programs established by the federal government and the U.S. Small Business Administration (SBA). They include:
Paycheck Protection Program (PPP) Loan
- Benefit name: Paycheck Protection Program (PPP) Loan
- What it includes: A potentially forgivable loan used toward monthly payroll expenses
- Amount: Up to $10 million per business
- Requirements: Your business should qualify as a “small business concern,” defined by the Small Business Act, which means you need to have a certain employee size or revenue. More information about size standards can be found on the SBA’s website.
- How to apply: Ask a lending institution, like a bank, or apply directly through our list of approved lenders.
SBA Disaster Assistance
- Benefit name: SBA Disaster Assistance
- What it includes: Low-interest loans with long-term payback terms of up to 30 years, or small emergency grants based on number of employees
- Amount: Visit the SBA’s website for the most up-to-date information
- Requirements: Your business must be located in a declared disaster zone, which includes all 50 states during the COVID-19 crisis. Qualifying businesses must also have 500 or fewer employees. Further restrictions may apply due to overwhelming demand.
- How to apply: Visit the SBA’s website
SBA Express Bridge Loans
- Benefit name: Express Bridge Loans
- What it includes: A loan to help temporarily cover expenses while applying for the EIDL program
- Amount: Up to $25,000
- Requirements: You have to be a small business owner applying for an Economic Injury Disaster Loan
- How to apply: Businesses must apply through a third-party lender. Browse the SBA’s website for a list of approved lenders.
SBA Debt Relief
- Benefit name: Debt relief extension
- What it includes: Covers six months of loan principal, interest payments, and fees for small businesses with outstanding SBA loans
- Requirements: Borrowers must be currently paying back a loan disbursed prior to Sept. 27, 2020. PPP loans and EIDLs are not eligible.
- How to apply: No application is needed

State and local resources for COVID-19 relief
Depending on where you do business, there may be additional resources available through your state and local governments. Here’s a snapshot of some of the programs states are extending to small businesses.
Emergency loan
Many states are providing low- or no-interest loans to small businesses, including Delaware's Hospitality Emergency Loan Program (HELP) and Maine’s small business loan programs.
State and local grants
Some states have launched grant programs to support local businesses in need. For example, Illinois set up coronavirus relief grants for bars and restaurants, while Michigan is offering a variety of grants through its small business relief programs.
Tax extensions and waivers
State business taxes are also getting more lenient. For example, in Massachusetts, some late penalties have been waived for businesses impacted by the coronavirus pandemic.

We’ve done the research so you don’t have to.
Our Small Business Relief Finder is a shortcut to finding the best assistance options for your business. For a full, detailed breakdown of government programs, changing regulations, and more, visit our Resource Hub.
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