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Local Coronavirus Small Business Loan And Grant Programs

Small businesses have been hit hard by mandatory closures and safety measures required to slow the spread of the coronavirus (COVID-19). In addition to federal relief options put in place by the government, there are a number of additional funding sources to consider including grants and emergency loans from states, cities and community organizations.

Below is a list of federal, state and lender-specific support to businesses can reference for additional economic relief.





  1. San Francisco Hardship Emergency Loan Program (SF HELP)

  2. Small Business Emergency Microloan Program

  1. For-profit businesses in San Francisco with a total annual revenue under $2.5 million. The business must demonstrate a 25% drop in revenue since January 1, 2020 and have three years remaining on its lease if the business is location-dependent. Apply Here

  2. To get a loan, you must meet requirements including having “reasonable and responsible” individual credit history, committing to use the loan for working capital only and ensuring your business is located within the City of Los Angeles. If you own 20% or more of the business, you must guarantee the loan. Apply Here .


Denver Small Business Emergency Relief program Small businesses that have lost the ability to operate, including restaurants, retail shops, barbershops and nail salons.  Apply Here


$50 Million Recovery Bridge Loan Program Businesses and nonprofits with fewer than 100 employees that have been negatively impacted by the global spread of the COVID-19 pandemic. The initial round of funding for the program is already completed. Check here for updates on when the next round will open.


Small Business Stimulus Fund Small businesses that are locally owned and operated in the following counties: Bell, Clay, Estill, Floyd, Harlan, Jackson, Johnson, Knox, Knott, Lee, Leslie, Owsley, Perry and Whitley. Apply Here


Louisiana Loan Portfolio Guaranty Program Small businesses in Louisiana with fewer than 100 employees that are impacted by the COVID-19 crisis. Apply directly with a participating bank. Click here to read more about the program and application requirements.


  1. The Small Business Emergency Loan Program.

  2. Minnesota Small Business Loan Guarantee Program

  1. The Small Business Emergency Loan Program is for businesses located in Minnesota that can prove they’ve been negatively impacted by the pandemic.

  2. The Small Business Loan Guarantee Program is for businesses with fewer than 250 employees that are based in Minnesota. Click here to learn how to apply for both programs

New Hampshire

Manchester Small Business Recovery Loan Fund Any Manchester, New Hampshire small business that has experienced a loss of revenue or closure due to COVID-19. The program was recently approved by the city of Manchester therefore an application portal hasn’t been released yet.

New Mexico

New Mexico Recovery Fund New Mexico businesses with 40 or more employees that demonstrate an intent to retain as many employees as possible, can show negative COVID-19 impact and can commit to spending at least 80% of the loan proceeds in New Mexico. The program hasn’t been launched yet however, business owners can fill out an interest form here.

New York

New York City Small Business Continuity Fund This program has currently been paused. However, business owners can fill out an interest form here to learn about new local and state programs as they become available.

North Carolina

Rapid Recovery Loans Small businesses with at least one employee in North Carolina, which can include a self-employed owner. Apply Here.


COVID-19 Working Capital Access Program For-profit businesses in Pennsylvania with 100 or fewer full-time employees in retail or service sectors. Agricultural producers are also eligible. Apply through the country your business is located in here.


Working Washington Small Business Emergency Grant program Small businesses that have been operating for at least one year and have up to 10 full-time employees. Apply Here.

For additional guidance, resources or insights on the Coronavirus Aid, Relief and Economic Stability (CARES) Act, visit OneDigital's Stimulus Guidance for Employers page.