Louisville Metro COVID-19 Response: Get Assistance

Businesses opening only for residents 60 or older, and those most vulnerable to COVID-19:

- Target (first hour of business on Wednesday) - Dollar General (first hour of business every day)
- Wal-Mart (first hour of business every Tuesday between March 24 and April 28)​​
- Kroger (7-8 a.m. Monday, Tuesday, Wednesday and Thursday)
- Rainbow Blossom (first hour of business every day)
- Whole Foods (first hour of business every day)
- Costco (8-9 a.m. Tuesday, Wednesday and Thursday)
- Aldi (8:30-9:30 a.m. on Tuesday and Thursday)
- Meijer (7-8 a.m. Mondays and Wednesdays)
- Sam's Club (7-9 a.m. Tuesday and Thursday)
- Big Lots (first hour of business every day)
- Fresh Market (8-9 a.m. Monday through Friday)
- Sav-A-Lot, Taylor Boulevard (10-11 a.m.)
- Trader Joe's (9-10 a.m. daily)
- Walgreen's (8-9 a.m. on Tuesday)
Senior Nutrition 
Beginning Monday, April 6, The nearly 400 homebound senior clients served by Senior Nutrition's Meals on Wheels program will continue to receive their meal delivery once per week with a five-frozen meal pack until daily, hot meal delivery can resume. In addition, 255 pre-certified individuals will be added to home delivery routes over the course of April. Though the nearly 20 Senior Congregate Nutrition Sites across Jefferson County remain temporarily closed, the Senior Nutrition staff will continue working with congregate participants to ensure their nutritional needs are being met during this critical period. Delivery UberEats is waiving all delivery fees for orders from independently owned restaurants.
Utilities

Louisville Water Company: LWC will suspend turn offs for non-payment. This is a temporary measure and customers should still pay their bill.

LG&E: Until May 1, the utility will suspend disconnects for residential customers and waive new late fees.

MSD has developed the Emergency Wastewater Rate Assistance Program, which offers low-income customers a 10% discount on their wastewater bill. In addition, the MSD Senior Discount Program offers a 30% discount for customers who are 65 or older and have a yearly household income of $35,000 or less. Learn more at louisvillemsd.org/paymybill

Fifth Third Bank: Offering various deferrals, forbearances and late fee waivers based on program/loan. Learn more.

Low Income Home Energy Assistance Program: Income-eligible residents of Louisville now have until April 30 to apply for funding to help with energy bills. Learn more. 

 

Digital inclusion

Spectrum Support: Beginning Monday, March 16, Charter commits to the following:

  • Charter will offer free Spectrum broadband and Wi-Fi access for 60 days to households with K-12 and/or college students and teachers who do not already have a Spectrum broadband subscription at any service level up to 100 Mbps. To enroll call 1-844-488-8395. A free self-installation kit will be provided to new student and educator households. 
  • Charter continues to offer Spectrum Internet Assist, a high-speed broadband program available to eligible low-income households 
  • Spectrum will not terminate service for residential or small business customers who face difficult economic circumstances related to the COVID-19 pandemic.
  • Charter will not charge late fees for those customers facing difficult economic circumstances related to the pandemic.
  • Spectrum does not have data caps or hidden fees. 

T-Mobile and Sprint are waiving all data caps on cell phones, and their customers can use their phones as WiFi hotspots for free.

 

Federal and state programs

Congress passed and President Trump signed, on March 18, H.R. 6201, Families First Coronavirus Response Act. The Act provides economic relief in response to the COVID-19 pandemic. The bill guarantees free testing or health care coverage for coronavirus testing. It also provides paid sick leave for some workers and offers additional funding for seniors, food assistance, and unemployment benefits. Click here and here to learn for what you may be eligible to receive. Learn more.

 

Economic impact payments

The IRS opened a new, online portal the week of April 13 for economic impact payments. The portal will allow taxpayers, once authenticated, to find out the status of their economic impact payments and, if no payment or check has been issued, they can provide their banking information for direct deposit. The portal is similar to the Where’s My Refund portal that is available for taxpayers to track the status of their federal tax refund.  

Treasury, IRS Launch Online Tool to Help Non-Filers Receive Economic Impact Payments: If you did not file a tax return in 2018 or 2019, please follow the directions below so you may recieve your economic impact payment

To learn more, go to irs.gov:

  • Click on “Non-Filers: Enter Payment Info Here.”
  • Submit your full names and Social Security numbers (including for spouse and dependents), mailing address, bank account type, account and routing numbers. 

 

Unemployment benefits

Per Governor Beshear on March 16, a seven-day waiting period is waived for any Kentuckian applying for unemployment benefits, and those unemployed due to COVID-19 are more likely to receive benefits than those that are unemployed for another reason. The Governor defined being unemployed by COVID-19 as when your employer has closed the business due to the virus or if you are quarantined. If it is expected that the individual will return to work when the business opens or when their quarantine is over, then that person meets the criteria as being unemployed by COVID-19 and could then be deemed eligible for benefits. Because the seven-day waiting period is now waived, if a Kentuckian is approved for benefits, the first payment they receive will be for two weeks of benefits and not just one, as is regular procedure.

 

If you are filing for unemployment benefits, the State's Education and Workforce Development Cabinet, in order to serve the large influx of Kentuckians as efficiently as possible, has asked that Kentuckians calls their office on a schedule based on the first initial of their last name.

Learn more about state unemployment benefits.

More information about applying for unemployment insurance. 

 

Public assistance

Governor Beshear announced on March 18 that all recipients of public assistance programs will automatically have their eligibility extended for three months. A re-application is not necessary. The assistance programs include food stamps and Medicaid. The Governor said all those who lost jobs and work-related benefits due to COVID-19 can immediately apply for health coverage through the state’s Medicaid program. 

 

KentuckianaWorks

The Region's Workforce Development Board has launched a new jobs board with information about companies that are hiring at www.kentuckianaworks.org/jobs. Although its physical facilities are closed, virtual career services and guidance are still being offered to employees and employers. For more information about services provided, visit www.kentuckianaworks.org/covid19.

Additional assistance

Association of Community Ministries: There are 15 Community Ministries in the Louisville area that serve residents from every zip code. Each community ministry is supported by member churches and faith-based groups residing in their service area. The Community Ministries have systems in place to provide emergency financial assistance for utilities and housing as well as food and household supplies. Neighborhood based offices will remain open during this challenging time while also taking precautions to reduce the risk to clients, volunteers, and staff. LEARN MORE.

 

610 Magnolia (partnership with Maker’s Mark): 7 days per week offering hundreds of to-go dinners, 2 per person limit. Other supplies like diapers, toilet paper and Tylenol on hand. 5:00-8:30 p.m. every day. Bring paycheck stub or proof of restaurant employment.

Other actions to assist the vulnerable

On Friday, March 20, the deadline to file taxes was moved from April 15 to July 15.

The Department of Revenue has moved back the collection process for real estate and personal property taxes 30 days due to COVID-19.
A certificate of delinquency will not be created until May 15. Until then, you may please visit the Jefferson County Sheriff’s Office website to pay property taxes. or use the drop box at the entrance to the Fiscal Court Building.

  • Beginning May 16, payment plans may be requested from the Jefferson County Attorney’s Office.
  • Eligible delinquent tax certificates are currently scheduled to be offered for sale on August 14 from its original date of July 17.

Louisville Asset Building Coalition: Volunteer Income Tax Assistance Program (VITA) provides free tax preparation services for income-eligible households. Click here to schedule a virtual appointment with a tax preparer here. 

 

  • Jefferson County Sheriff and the Louisville Public Housing Authority has stopped issuing eviction notices.
  • New Directions Housing Corporation is waiving late fees on rent due from its residents. 
  • REBOUND Inc. will suspend rental payments for renters that have lost their income from COVID-19. 
  • Louisville Affordable Housing Trust Fund will suspend payment for its Fifth Third HomeOwner's Assistance Loan Program for the next 60 days. 
  • Fuller Center for Housing is suspending all late fees associated with mortgage and lease payments.
  • If you are currently in the Habitat for Humanity homebuyer program or have a Habitat loan and have suffered a loss of income, Habitat will work with you in every possible way. 
  • Housing Partnership Inc. is surveying all residents to ask how they have been affected by COVID-19 and determining what types of assistance will be developed based on the responses.  
  • LHOME will offer loan modifications to all existing borrowers if necessary.
  • Bank on Louisville has gathered information about how local banks and credit unions are supporting customers impacted by the COVID-19 crisis. Please contact your financial institution to learn more about these relief efforts and discuss your individual eligibility. You will need to contact your bank or credit union to participate in relief programs as they are not automatic. https://louisvilleky.gov/government/bank-louisville/important-coronaviru...

The following organizations are ready to help those in need:

Louisville Recovery Community Connection free virtual recovery coaching  
Stay Clean  
In the Rooms 
WEconnect & Unity Recovery 
Alcoholics Anonymous  
SMART Recovery 
Young People in Recovery 
Louisville Recovery Community Connection 
Voices of Hope 
Unity Yoga/Unity Recovery

Louisville Free Public Library services

While libraries are closed, patrons are encouraged to check out eBooks, eMagazines, and downloadable audiobooks, and stream movies and music online Learn more at LFPL.org.  Also, LFPL is not enforcing late fee,s and pick up dates have been extended and hold requests have been suspended so that patrons will not lose their place in line for items. Students can also use Library research tools.

International community

Sign up for the Globalization e-newsletter to for updates in different languages. 

USCIS encourages all, including those that are undocumented, to take the appropriate medical steps if they are experiencing coronavirus symptoms. The Inadmissibility on Public Charge Grounds final rule does not restrict access to testing, screening, or treatment of communicable diseases, including COVID-19. LEARN MORE.


Team Kentucky Fund

The fund will provide assistance to Kentuckians who have been severely financially impacted by the COVID-19 emergency. The Commonwealth of Kentucky’s Public Protection Cabinet will oversee the Team Kentucky Fund. The fund is currently accepting tax-deductible donations. LEARN MORE.

 

More

Local Gig Workers Relief Bank (led by Lance Minnis)  

With A Little Hope From My Friends -Louisville Musician Relief Fund (led by Carly Johnson) 

Apron Inc. Emergency Fund for Restaurant Workers: A $10,000 emergency fund specific for COVID-19 affected businesses and employees, and Apron will be distributing $400 grants to eligible applicants. To be eligible for a grant, a person must:

  • Be diagnosed with the COVID-19 virus. You will require a doctor’s letter.
  • Be employed in an independent restaurant for at least six months.
  • Be able to produce bills to be paid. They do not give money directly to grantees.
  • LEARN MORE.

Bartender Emergency Assistance Program: The U.S. Bartenders Guild is offering eligible bartenders grants to help with expenses. Bartenders do not have to be members of the Guild to apply. LEARN MORE.

 

 

One Louisville

The One Louisville: COVID-19 Response Fund provides flexible funding resources for rental assistance, childcare assistance, transportation aid, food access, utility assistance, pharmaceutical needs and other support as determined, via $1,000 payments to eligible households. 

Funds will also be made available to community-based organizations that are being hit hard by the disruptions caused by the COVID-19 pandemic. To be eligible for support, individuals/households must be Jefferson County residents with an income at or below 100% of Area Median Income (AMI), which is determined by the U.S. Department of Housing and Urban Development.The AMI for the Louisville region is $76,400 for a four-person family (100% AMI). Applicants will be asked to offer proof of identity and supporting documents that demonstrate a loss of earned income due to the COVID-19 pandemic due to medical reasons, business closure, or school closure. 

 

APPLY

LEARN MORE.

 

Meals for children

JCPS 

JCPS has set up 45 feeding sites; 37 at schools; 8 at apartment complexes. Breakfast and lunch served. Emergency feeding sites here. Meals are available to all children 18 years old or younger. JCPS will distribute meals on Monday, Wednesday and Friday. Students can get up to four meals on Monday and Wednesday and two on Friday. LEARN MORE.

Dare to Care

Dare to Care’s Kids Cafe sites are providing Grab & Go meals for children 18 and under on weeknights. Distribution centers are operating per usual.

 

Meals for seniors and groceries

Businesses opening only for residents 60 or older, and those most vulnerable to COVID-19:

  • Target (first hour of business on Wednesday)
  • Dollar General (first hour of business every day)
  • Wal-Mart (first hour of business every Tuesday between March 24 and April 28)​​
  • Kroger (7-8 a.m. Monday, Tuesday, Wednesday and Thursday)
  • Rainbow Blossom (first hour of business every day)
  • Whole Foods (first hour of business every day)
  • Costco (8-9 a.m. Tuesday, Wednesday and Thursday)
  • Aldi (8:30-9:30 a.m. on Tuesday and Thursday)
  • Meijer (7-8 a.m. Mondays and Wednesdays)
  • Sam's Club (7-9 a.m. Tuesday and Thursday)
  • Big Lots (first hour of business every day)
  • Fresh Market (8-9 a.m. Monday through Friday)
  • Sav-A-Lot, Taylor Boulevard (10-11 a.m.)
  • Trader Joe's (9-10 a.m. daily)
  • Walgreen's (8-9 a.m. on Tuesday)

 

Senior nutrition 

Beginning Monday, April 6, The nearly 400 homebound senior clients served by Senior Nutrition's Meals on Wheels program will continue to receive their meal delivery once per week with a five-frozen meal pack until daily, hot meal delivery can resume. In addition, 255 pre-certified individuals will be added to home delivery routes over the course of April. Though the nearly 20 Senior Congregate Nutrition Sites across Jefferson County remain temporarily closed, the Senior Nutrition staff will continue working with congregate participants to ensure their nutritional needs are being met during this critical period. 

 

Delivery

UberEats is waiving all delivery fees for orders from independently owned restaurants.

 

Utilities

Louisville Water Company: LWC will suspend turn offs for non-payment. This is a temporary measure and customers should still pay their bill.

LG&E: Until May 1, the utility will suspend disconnects for residential customers and waive new late fees.

MSD has developed the Emergency Wastewater Rate Assistance Program, which offers low-income customers a 10% discount on their wastewater bill. In addition, the MSD Senior Discount Program offers a 30% discount for customers who are 65 or older and have a yearly household income of $35,000 or less. Learn more at louisvillemsd.org/paymybill

Fifth Third Bank: Offering various deferrals, forbearances and late fee waivers based on program/loan. Learn more.

Low Income Home Energy Assistance Program: Income-eligible residents of Louisville now have until April 30 to apply for funding to help with energy bills. Learn more. 

 

Digital inclusion

Spectrum Support: Beginning Monday, March 16, Charter commits to the following:

  • Charter will offer free Spectrum broadband and Wi-Fi access for 60 days to households with K-12 and/or college students and teachers who do not already have a Spectrum broadband subscription at any service level up to 100 Mbps. To enroll call 1-844-488-8395. A free self-installation kit will be provided to new student and educator households. 
  • Charter continues to offer Spectrum Internet Assist, a high-speed broadband program available to eligible low-income households 
  • Spectrum will not terminate service for residential or small business customers who face difficult economic circumstances related to the COVID-19 pandemic.
  • Charter will not charge late fees for those customers facing difficult economic circumstances related to the pandemic.
  • Spectrum does not have data caps or hidden fees. 

T-Mobile and Sprint are waiving all data caps on cell phones, and their customers can use their phones as WiFi hotspots for free.

 

Federal and state programs

Congress passed and President Trump signed, on March 18, H.R. 6201, Families First Coronavirus Response Act. The Act provides economic relief in response to the COVID-19 pandemic. The bill guarantees free testing or health care coverage for coronavirus testing. It also provides paid sick leave for some workers and offers additional funding for seniors, food assistance, and unemployment benefits. Click here and here to learn for what you may be eligible to receive. Learn more.

 

Economic impact payments

The IRS opened a new, online portal the week of April 13 for economic impact payments. The portal will allow taxpayers, once authenticated, to find out the status of their economic impact payments and, if no payment or check has been issued, they can provide their banking information for direct deposit. The portal is similar to the Where’s My Refund portal that is available for taxpayers to track the status of their federal tax refund.  

Treasury, IRS Launch Online Tool to Help Non-Filers Receive Economic Impact Payments: If you did not file a tax return in 2018 or 2019, please follow the directions below so you may recieve your economic impact payment

To learn more, go to irs.gov:

  • Click on “Non-Filers: Enter Payment Info Here.”
  • Submit your full names and Social Security numbers (including for spouse and dependents), mailing address, bank account type, account and routing numbers. 

 

Unemployment benefits

Per Governor Beshear on March 16, a seven-day waiting period is waived for any Kentuckian applying for unemployment benefits, and those unemployed due to COVID-19 are more likely to receive benefits than those that are unemployed for another reason. The Governor defined being unemployed by COVID-19 as when your employer has closed the business due to the virus or if you are quarantined. If it is expected that the individual will return to work when the business opens or when their quarantine is over, then that person meets the criteria as being unemployed by COVID-19 and could then be deemed eligible for benefits. Because the seven-day waiting period is now waived, if a Kentuckian is approved for benefits, the first payment they receive will be for two weeks of benefits and not just one, as is regular procedure.

 

If you are filing for unemployment benefits, the State's Education and Workforce Development Cabinet, in order to serve the large influx of Kentuckians as efficiently as possible, has asked that Kentuckians calls their office on a schedule based on the first initial of their last name.

Learn more about state unemployment benefits.

More information about applying for unemployment insurance. 

 

Public assistance

Governor Beshear announced on March 18 that all recipients of public assistance programs will automatically have their eligibility extended for three months. A re-application is not necessary. The assistance programs include food stamps and Medicaid. The Governor said all those who lost jobs and work-related benefits due to COVID-19 can immediately apply for health coverage through the state’s Medicaid program. 

 

KentuckianaWorks

The Region's Workforce Development Board has launched a new jobs board with information about companies that are hiring at www.kentuckianaworks.org/jobs. Although its physical facilities are closed, virtual career services and guidance are still being offered to employees and employers. For more information about services provided, visit www.kentuckianaworks.org/covid19.

 

Additional assistance

Association of Community Ministries: There are 15 Community Ministries in the Louisville area that serve residents from every zip code. Each community ministry is supported by member churches and faith-based groups residing in their service area. The Community Ministries have systems in place to provide emergency financial assistance for utilities and housing as well as food and household supplies. Neighborhood based offices will remain open during this challenging time while also taking precautions to reduce the risk to clients, volunteers, and staff. LEARN MORE.

 

610 Magnolia (partnership with Maker’s Mark): 7 days per week offering hundreds of to-go dinners, 2 per person limit. Other supplies like diapers, toilet paper and Tylenol on hand. 5:00-8:30 p.m. every day. Bring paycheck stub or proof of restaurant employment.

 

Other actions to assist the vulnerable

On Friday, March 20, the deadline to file taxes was moved from April 15 to July 15.

The Department of Revenue has moved back the collection process for real estate and personal property taxes 30 days due to COVID-19.
A certificate of delinquency will not be created until May 15. Until then, you may please visit the Jefferson County Sheriff’s Office website to pay property taxes. or use the drop box at the entrance to the Fiscal Court Building.

  • Beginning May 16, payment plans may be requested from the Jefferson County Attorney’s Office.
  • Eligible delinquent tax certificates are currently scheduled to be offered for sale on August 14 from its original date of July 17.

Louisville Asset Building Coalition: Volunteer Income Tax Assistance Program (VITA) provides free tax preparation services for income-eligible households. Click here to schedule a virtual appointment with a tax preparer here. 

 

  • Jefferson County Sheriff and the Louisville Public Housing Authority has stopped issuing eviction notices.
  • New Directions Housing Corporation is waiving late fees on rent due from its residents. 
  • REBOUND Inc. will suspend rental payments for renters that have lost their income from COVID-19. 
  • Louisville Affordable Housing Trust Fund will suspend payment for its Fifth Third HomeOwner's Assistance Loan Program for the next 60 days. 
  • Fuller Center for Housing is suspending all late fees associated with mortgage and lease payments.
  • If you are currently in the Habitat for Humanity homebuyer program or have a Habitat loan and have suffered a loss of income, Habitat will work with you in every possible way. 
  • Housing Partnership Inc. is surveying all residents to ask how they have been affected by COVID-19 and determining what types of assistance will be developed based on the responses.  
  • LHOME will offer loan modifications to all existing borrowers if necessary.
  • Bank on Louisville has gathered information about how local banks and credit unions are supporting customers impacted by the COVID-19 crisis. Please contact your financial institution to learn more about these relief efforts and discuss your individual eligibility. You will need to contact your bank or credit union to participate in relief programs as they are not automatic. https://louisvilleky.gov/government/bank-louisville/important-coronaviru...

The following organizations are ready to help those in need:

Stay Clean  
In the Rooms 
WEconnect & Unity Recovery 
Alcoholics Anonymous  
SMART Recovery 
Young People in Recovery 
Louisville Recovery Community Connection 
Voices of Hope 
Unity Yoga/Unity Recovery

Louisville Free Public Library services

While libraries are closed, patrons are encouraged to check out eBooks, eMagazines, and downloadable audiobooks, and stream movies and music online Learn more at LFPL.org.  Also, LFPL is not enforcing late fee,s and pick up dates have been extended and hold requests have been suspended so that patrons will not lose their place in line for items. Students can also use Library research tools.

International community

Sign up for the Globalization e-newsletter to for updates in different languages. 

USCIS encourages all, including those that are undocumented, to take the appropriate medical steps if they are experiencing coronavirus symptoms. The Inadmissibility on Public Charge Grounds final rule does not restrict access to testing, screening, or treatment of communicable diseases, including COVID-19. LEARN MORE.

 

Team Kentucky Fund

The fund will provide assistance to Kentuckians who have been severely financially impacted by the COVID-19 emergency. The Commonwealth of Kentucky’s Public Protection Cabinet will oversee the Team Kentucky Fund. The fund is currently accepting tax-deductible donations. LEARN MORE.

 

MORE

Local Gig Workers Relief Bank (led by Lance Minnis)  

With A Little Hope From My Friends -Louisville Musician Relief Fund (led by Carly Johnson) 

Apron Inc. Emergency Fund for Restaurant Workers: A $10,000 emergency fund specific for COVID-19 affected businesses and employees, and Apron will be distributing $400 grants to eligible applicants. To be eligible for a grant, a person must:

  • Be diagnosed with the COVID-19 virus. You will require a doctor’s letter.
  • Be employed in an independent restaurant for at least six months.
  • Be able to produce bills to be paid. They do not give money directly to grantees.
  • LEARN MORE.

Bartender Emergency Assistance Program: The U.S. Bartenders Guild is offering eligible bartenders grants to help with expenses. Bartenders do not have to be members of the Guild to apply. LEARN MORE.

 

On Friday, March 20, the deadline to file taxes was moved from April 15 to July 15.

The Department of Revenue has moved back the collection process for real estate and personal property taxes 30 days due to COVID-19.
A certificate of delinquency will not be created until May 15. Until then, you may please visit the Jefferson County Sheriff’s Office website to pay property taxes or use the drop box at the entrance to the Fiscal Court Building.

  • Beginning May 16, payment plans may be requested from the Jefferson County Attorney’s Office.
  • Eligible delinquent tax certificates are currently scheduled to be offered for sale on August 14 from its original date of July 17.

Louisville Metro Revenue Commission (LMRC) and the Kentucky Department of Revenue have extended tax filing and payment deadlines from April 15, 2020 to July 15, 2020. For information about the state decision to defer filing and payments of state income tax, visit the Kentucky Department of Revenue website. 

LMRC has extended the 2019 annual occupational license tax filing and payment deadline for all taxpayers, including those who filed quarterly estimated deposits in 2019 and those who pay once a year. LMRC also has shifted the April 15, 2020 quarterly deposit deadline to May 15, 2020 for entities required to file a quarterly estimated payment. All other LMRC deadlines will remain in place. LMRC will no longer take walk-in appointments. Anyone with questions can contact LMRC staff at (502) 574-4860 or via email to [email protected]. LEARN MORE.

 

Download and share COVID-19 flyers translated in 14 different languages. 

Small Business Continuity Loan Program

The loan program will provide zero-interest loans, with no payments for 12 months, to our smallest businesses (10 full-time employees or fewer) impacted by COVID-19. Small businesses can receive up to $25,000 to cover immediate expenses.

Learn more and apply. 

 

SBA’s Economic Injury Disaster Loan (EIDL) Program

Kentucky business and nonprofits can apply for loans through the SBA that 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 nonprofits is 2.75%. Eligible businesses and nonprofits can receive up to $2 million for up to 30 years.

Learn more and apply here.

Watch the Louisville Small Business Development Center video Q&A about Economic Injury Disaster Loan process.

 

METCO

Small business loans help start and grow our small business community that are the soul our community. Loan programs assist with start-up capital, working capital, capital improvements to commercial and public properties, and helps low and moderate income individuals start or grow a business.

As of Friday, March 20, the city’s small business loan program, METCO, has implemented the following temporary relief for current loan holders:

No late fees will be implemented for three months
Loans will be extended by loan holder's choice of 30, 60, or 90 days 

Current loan holders should email METCO's loan administrator Brenda Hyatt to request loan deferment. Contact Brenda Hyatt at [email protected] to learn more.

Loan programs assist with start-up capital, working capital, capital improvements to commercial and public properties, and helps low and moderate income individuals start or grow a business. For more information about the METCO loan program or small business resources, visit www.louisvilleky.gov/smallbusiness.

 

Supports from banks and credit unions

Bank on Louisville has gathered information about how local banks and credit unions are supporting customers impacted by the COVID-19 crisis. Please contact your financial institution to learn more about these relief efforts and discuss your individual eligibility. You will need to contact your bank or credit union to participate in relief programs as they are not automatic. LEARN MORE.

 

Other Loan Programs

Many community partners offer capital and help low and moderate income individuals start or grow a business. If you have an existing loan, please contact your lender organization for more information about relief efforts as they may not be automatically applied.

Jewish Family & Career Services: Optional three-month deferment on existing loans in good standing through Navigate Entreprise Center. Email Cynthia Brown. [email protected]

Community Ventures: Borrowers should call (859) 231-0054 to discuss options.

LHOME: Existing borrowers are allowed a three-month forbearance period; borrowers can choose to extend loan for three months without penalty. Applications for our $500 Lifeline Loan (payday loan alternative) and $25,000 Small Business Continuity Loan will be available Monday, April 6. Funds should be available within three to five business days from receiving a completed application. Contact LHome at (502) 882-8091 or [email protected]

Access Ventures: Through Render Capital, businesses can apply for growth loans of up to $35,000 that provides flexible funding for working capital, website improvements and more. Current borrowers can make interest-only payments for 3 months. https://render.capital/

KIVA

KIVA expanded its 0% loan options. Effective immediately, U.S. applicants for a KIVA loan will have access to the following:

  • Expanded eligibility: More businesses in the U.S. will be eligible for a KIVA loan than ever.
  • Larger loans: The maximum loan on the KIVA platform will increase from $10,000 to $15,000.
  • Grace period: New borrowers may access a grace period of up to 6 months for greater financial flexibility.

If you’re a small business owner who believes you can benefit from a KIVA loan, or you know one in your community, go to www.kiva.org/borrow to apply for a loan.

Centers for Disease Control and Prevention (CDC): The CDC also offers resources for business and employers on how to respond to the COVID-19 pandemic in accordance with guidance from health professionals. Learn more.

Hand Sanitizer Request Form: #TeamKentucky is working to prioritize requests for hand sanitizer with distillers and other companies that are rushing to obtain and produce the necessary products. Please complete this form so we can process and prioritize your request. Note: Hospitals, first responders and other critical employers are receiving top priority. Learn more.

 

Facebook Small Business Grants Program: Facebook is offering $100 million in cash grants and ad credits for up to 30,000 eligible small businesses in more than 30 countries. More information is available here.

The James Beard Foundation Food and Beverage Industry Relief Fund: The James Beard Foundation has launched a fund that is gathering support from corporate, foundation, and individual donors to provide micro-grants to independent food and beverage businesses in need. For application information and qualification criteria, visit www.jamesbeard.org/relief.

 GoFundMe Small Business Relief Fund: The Small Business Relief Fund will be issuing $500 matching grants to qualifying businesses that raise at least $500. GoFundMe, Yelp, and Intuit QuickBooks have each donated $500,000 to the fund. Learn more.

MainVest's Main Street Initiative: If you have an existing brick-and-mortar business that has been negatively effected by the COVID-19 outbreak and you launch a capital raise on Mainvest, you may be eligible to receive a $2,000 zero-interest loan immediately. Learn more.

Yelp: Yelp has created $25 million in relief, primarily focused on supporting independent local restaurant and nightlife businesses, in the form of waived advertising fees, and free advertising, products and services. Learn more.

 

The One Louisville: COVID-19 Response Fund provides flexible funding resources for rental assistance, childcare assistance, transportation aid, food access, utility assistance, pharmaceutical needs and other support as determined, via $1,000 payments to eligible households. 

Funds will also be made available to community-based organizations that are being hit hard by the disruptions caused by the COVID-19 pandemic. To be eligible for support, individuals/households must be Jefferson County residents with an income at or below 100% of Area Median Income (AMI), which is determined by the U.S. Department of Housing and Urban Development.The AMI for the Louisville region is $76,400 for a four-person family (100% AMI). Applicants will be asked to offer proof of identity and supporting documents that demonstrate a loss of earned income due to the COVID-19 pandemic due to medical reasons, business closure, or school closure. 

 

APPLY

LEARN MORE.

 

Download and share COVID-19 flyers translated in 14 different languages.

 

 

Association of Community Ministries: There are 15 Community Ministries in the Louisville area that serve residents from every zip code. Each community ministry is supported by member churches and faith-based groups residing in their service area. The Community Ministries have systems in place to provide emergency financial assistance for utilities and housing as well as food and household supplies. Neighborhood based offices will remain open during this challenging time while also taking precautions to reduce the risk to clients, volunteers, and staff. LEARN MORE.

 

Download and share COVID-19 flyers translated in 14 different languages.

 

 

Fund for the Arts

Louisville Arts Network: On April 6, Mayor Fischer and Louisville Orchestra Director Teddy Abrams announced the Louisville Arts Network (LAN), a new component of the city’s Lift Up Lou initiative bringing together the creative, philanthropic, and public sector communities in an effort to help mend and inspire the city. LEARN MORE.

Lift Up Lou: An effort joined by numerous local organizations and individuals to boost spirits, entertain, educate, and provide health and exercise options. LEARN MORE.

Download and share COVID-19 flyers translated in 14 different languages. 

Small Business Continuity Loan Program: The loan program will provide zero-interest loans, with no payments for 12 months, to our smallest businesses (10 full-time employees or fewer) impacted by COVID-19. Small businesses can receive up to $25,000 to cover immediate expenses. Learn more here and apply at www.lhomeky.org

  • Target (first hour of business on Wednesday) - Dollar General (first hour of business every day)
  • Wal-Mart (first hour of business every Tuesday between March 24 and April 28)
  • Kroger (7-8 a.m. Monday, Tuesday, Wednesday and Thursday)
  • Rainbow Blossom (first hour of business every day)
  • Whole Foods (first hour of business every day)
  • Costco (8-9 a.m. Tuesday, Wednesday and Thursday)
  • Aldi (8:30-9:30 a.m. on Tuesday and Thursday)
  • Meijer (7-8 a.m. Mondays and Wednesdays)
  • Sam's Club (7-9 a.m. Tuesday and Thursday)
  • Big Lots (first hour of business every day)
  • Fresh Market (8-9 a.m. Monday through Friday)
  • Sav-A-Lot, Taylor Boulevard (10-11 a.m.)
  • Trader Joe's (9-10 a.m. daily)
  • Walgreen's (8-9 a.m. on Tuesday)

Senior Nutrition

Beginning Monday, April 6, the nearly 400 homebound senior clients served by Senior Nutrition's Meals on Wheels program will continue to receive their meal delivery once per week with a five-frozen meal pack until daily, hot meal delivery can resume. In addition, 255 pre-certified individuals will be added to home delivery routes over the course of April. Though the nearly 20 Senior Congregate Nutrition Sites across Jefferson County remain temporarily closed, the Senior Nutrition staff will continue working with congregate participants to ensure their nutritional needs are being met during this critical period. Learn more.

 

Utilities

Louisville Water Company: LWC will suspend turn offs for non-payment. This is a temporary measure and customers should still pay their bill.

LG&E: Until at least June 1, 2020, the utility will suspend disconnects for residential customers and waive new late fees. Learn more.

MSD will waive late fees until further notice and is offering a 30% discount on wastewater charges for customers who are 65 or older and have a yearly household income of $35,000 or less. To pursue the senior discount, please click here. Learn more.

Fifth Third Bank: Offering various deferrals, forbearances and late fee waivers based on program/loan. Learn more.

Low Income Home Energy Assistance Program Spring Subsidy Program: Income-eligible residents of Louisville have until June 30 to apply for funding to help with energy bills. Learn more. 

 

One Louisville

The One Louisville: COVID-19 Response Fund provides flexible funding resources for rental assistance, childcare assistance, transportation aid, food access, utility assistance, pharmaceutical needs and other support as determined, via $1,000 payments to eligible households. 

Funds will also be made available to community-based organizations that are being hit hard by the disruptions caused by the COVID-19 pandemic. To be eligible for support, individuals/households must be Jefferson County residents with an income at or below 100% of Area Median Income (AMI), which is determined by the U.S. Department of Housing and Urban Development.The AMI for the Louisville region is $77,500 for a four-person family (100% AMI). Applicants will be asked to offer proof of identity and supporting documents that demonstrate a loss of earned income due to the COVID-19 pandemic due to medical reasons, business closure, or school closure. 

APPLY

LEARN MORE.

 

Team Kentucky Fund Financial Assistance

The Team Kentucky Fund Financial Assistance Application Portal opened May 15 for income eligible households who have experienced a loss of income due to COVID-19.

Learn more here:
https://teamkyfund.ky.gov/

 

Helping Our elderly neighbors
The COVID-19 pandemic can be especially hard on the elderly, but there are things we can all do to help them through the loneliness and challenges.  Learn more.

 

Managing stress and anxiety

  • AARP Kentucky is offering virtual social gathering spaces for the public (i.e. topics like “Decluttering and Downsizing”).  Learn more.
  • AARP offering the Friendly Caller initiative to allow isolated older adults an opportunity to speak with a trained volunteer on a daily basis to combat loneliness.  Call 1-888-281-0145 or visit online at https://aarpcommunityconnections.org/ and a trained volunteer will return their call between 9 a.m. and 5 p.m.
  • Elderserve is offering a TeleCare program for adults 60+ that is supported by community volunteers. Learn more.
  • Elderserve offering a free, interactive six-month fitness program to those 55+. Contact Wellness Coordinator, Sana Ahmed at 502.736.3847 to get started.

 

Guidance for Older Adults at Higher Risk

Older adults, 65 years and older, are at higher risk for severe illness. COVID-19 is a new disease and we are learning more about it every day.  The CDC shares guidance in multiple languages.  Learn more.


 

Louisville COVID-19 International Language Handouts

Information about COVID-19 and health guidance have been translated into 22 languages. Find information in your native language, as well as videos in 15 languages here.

Multilingual videos

Graduates of the Office of Globalization’s Welcoming Academy partnered with the city to record videos in 13 languages talking about how to prevent the spread of COVID-19. Find the videos on Metro TV’s YouTube channel.

If you are experiencing COVID-19 symptoms

U.S. Citizenship and Immigration Services encourages all, including those that are undocumented, to take the appropriate medical steps if they are experiencing coronavirus symptoms. The Inadmissibility on Public Charge Grounds final rule does not restrict access to testing, screening, or treatment of communicable diseases, including COVID-19. Learn more about symptoms.

Stay informed through the Office of Globalization

Sign up for the Office of Globalization’s e-newsletter for updates in different languages and check out our COVID-19 Frequently Asked Questions.

Education

JCPS Non-Traditional Instruction (NTI) opportunities: Find Non-Traditional Instruction (NTI) announcements by JCPS, the choice board, activities for students, letters to families and more resources below. If you have questions, feel free to call 313-HELP during weekday business hours.

Small Business