Small Business Resources COVID-19

Click here to inquire about resources and assistance for your small business.

COVID-19 Resource Materials for Businesses and Employees

Temporary Regulatory Relief for Restaurants

American Rescue Plan Act of 2021

President Biden signed the American Rescue Plan Act of 2021 (ARP Act) into law on March 11, 2021. The bill includes $50 billion for small business assistance through the U.S. Small Business Administration (SBA). In addition to providing additional funding for the Paycheck Protection Program (PPP), Economic Injury Disaster Loan (EIDL), and Shuttered Venues Operators Grant (SVOG) programs, the bill establishes a new Restaurant Revitalization Fund that will direct $28.6 billion in grants to bars and restaurants, and a Community Navigator pilot program that will support organizations in pursuing support through pandemic assistance programs. 

Additional details on small business assistance in the ARP Act from SBA’s website:

  • $7.25 billion additional for the Paycheck Protection Program, including to expand eligibility to additional nonprofits and digital news services
  • Additional funds are allocated for the Shuttered Venue Operators Grant (SVOG) program. SBA’s SVOG portal is online here, which states that applications are slated to open April 8, 2021. Businesses interested in receiving updates on the application process can sign up here.
  • $15 billion additional for Targeted Economic Injury Disaster Loan Advance (EIDL) payments, including NEW $5 billion for Supplemental Targeted EIDL Advance payments for those hardest hit.

A. Restaurant Revitalization Fund  - APPLICATIONS ARE NOW CLOSED. $28.6 billion for the Restaurant Revitalization Fund (RRF) for industry-focused grants. Five billion dollars of the RRF is set aside for small businesses that generated less than $500,000 in receipts in 2019. Information on eligibility, award amounts, and how to apply is available on SBA’s RRF website here.

B. EIDL Loan Increases: Some loans approved prior to the week of April 6, 2021 will be eligible for an increase based on new loan maximum amounts announced March 24, 2021. SBA is raising the loan limit for the COVID-19 EIDL program from six months of economic injury with a maximum loan amount of $150,000 to up to 24 months of economic injury with a maximum loan amount of $500,000. Businesses that received a loan subject to current loan limit do not need to submit a request for an increase at this time. SBA will reach out directly by email closer to the April 6, 2021 implementation date to provide more details about how businesses can request an increase. If an applicant accepted a loan for less than the full amount originally offered, the applicant will have up to two years after the date of the loan promissory note to request additional funds. Applicants may continue to request additional funds even after the application deadline of December 31, 2021.

As of September 8, 2021, new COVID EIDL policy changes have taken effect that entail the below updates to the program:
  • Maximum loan cap increased from $500,000 to $2 million
  • Use of funds was expanded to include payment and pre-payment of business non-federal debt incurred at any time (past or future) and payment of federal debt
  • Extend the deferment period to 24 months from origination for all loans (existing loans with a less than 24-month deferment will be adjusted)
  • Affiliation requirements simplified to an affiliate is a business that you control or in which you have 50% of more ownership
  • Developed additional path to meet program size standards for businesses assigned a NAICS code beginning with 61, 71, 72, 213, 3121, 315, 448, 451, 481, 485, 487, 511, 512, 515, 532, or 812
  • Exclusivity Period: From September 8, 2021 to October 8, 2021, the above policy changes will be applicable to applications for <$500K while applications for >$500K will not be approved and therefore receive the policy changes until October 8, 2021
  • See more details on the COVID-19 September 8, 2021 Policy Changes.

C. Supplemental Targeted EIDL Advance payments: Advance funds of up to $10,000 will be available to applicants in low-income communities who previously received an EIDL Advance for less than $10,000, or those who applied but received no funds due to lack of available program funding. Applicants do not need to take any action. SBA is reaching out to those who qualify by email from an account ending in

D. NEW: $100 million to establish a Community Navigator pilot program; grants will go to eligible organizations supporting efforts to improve access to COVID–19 pandemic assistance programs and resources. 

SBA’s website also provides guidance on cross program eligibility for organizations that may qualify for support from more than one program.

Consolidated Appropriations Act of 2021

President Trump signed the Consolidated Appropriations Act of 2021, which includes additional federal COVID-19 relief, into law on December 27, 2020. The bill provides additional relief for businesses, self-employed persons and independent contractors. Learn more about what is in the relief bill here and by reading the U.S. House Committee on Small Business's stimulus fact sheet.


Paycheck Protection Program – APPLICATIONS ARE NOW CLOSED


State Unemployment

Individuals filing for unemployment benefits should visit


Local banks and credit unions response

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.



To support restaurants and accommodate those who are picking up carry-out orders and gift cards, the parking authority is allowing free parking at meters adjacent to restaurants for up to 15 minutes. Cars must use their flashers.


State Food and Beverage Relief Fund

The Kentucky Public Protection Cabinet is providing assistance to bars and restaurants required to close to in-person services for eligible expenses. Restaurants and bars can receive $10,000 grants through the fund or a maximum of $20,000 per business entity. Apply here.


METCO Loan Deferral

The METCO Board voted November 19 to allow existing METCO loan holders to defer payments on their loans for 7 months and to pause interest accrual on those loans. Deferrals must be requested. If you are a METCO loan holder wanting to defer your loan payments, contact Brenda Hyatt here


Fund for the Arts' COVID-19 Relief Grants for Black-Owned Restaurants

These grants are awarded to Black-owned culinary institutions that are pillars in the Greater Louisville community. These grants will also provide critical financial assistance to small, independent, Black-owned restaurants that, due to the COVID-19 national disaster, have an immediate need for funds to pay fixed operating expenses and remain in business.


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. Visit


Micro-Business Bridge Loan

This loan program administered by JFCS’s Navigate Enterprise Center will provide loans up to $3,000 at zero percent interest with a six-month grace period before the first payment is due. Eligible entities are sole proprietors and businesses with fewer than five employees. The owner’s household income must be at 80% AMI or less; the business must have been open at least six months, and the business must be able to demonstrate losses due to the COVID-19 pandemic. Email [email protected] to express an intent to apply and request additional information.


Business Liability Insurance

Check with your insurance carrier about any benefits you may have from disruption due to acts of God.


Traditional METCO loans

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.

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


Access Ventures

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



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 to apply for a loan.


Hand Sanitizer Request Form

Find a list of distilleries that are producing and selling hand sanitizer, as well as their contact information.


PPE Purchase Forms

The Kentucky Chamber and Greater Louisville Inc. (GLI) are both selling face masks for less than $1 per mask. GLI also is connecting businesses other forms of PPE, including gloves, face shields and more.

Kentucky Chamber Order Form

GLI PPE Request and Information Page


Tips for Essential Businesses during COVID-19 Pandemic

State Guidance for Home-Based Processors

State Guidance for Farmer's Markets




Team Kentucky Fund

The fund provides assistance to Kentuckians who have been severely financially impacted by the COVID-19 emergency. Apply here. The fund also is accepting tax-deductible donations.



The Region's Workforce Development Board has launched a new jobs board with information about companies that are hiring at 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


Restaurant Worker Relief Fund

The LEE Initiative and Makers Mark are providing free carry-out, heat-and-serve meals to restaurant workers with pay stubs to prove their employment. Workers can pick up the meals (limit 2 per person) at 610 W. Magnolia Ave. from 5 to 8:30 p.m. They are also stocking family necessities for babies and children, non-perishable canned foods, toilet tissue and Tylenol. Everything is on a first-come, first-serve basis. Donate to the fund at


Apron Inc. Emergency Fund for Restaurant Workers

Apron is distributing grants of up to $500 grants to eligible applicants.

To be eligible, the applicant must be employed persons who have work in locally owned independent food service businesses for at least 6 months. They must demonstrate how they have been impacted by a qualifying event, substantiate their expenses and prove their lack of financial resources. An application must be made not later than ninety (90) days following the hardship to be considered by the Apron Inc. Board of Directors. Only one application may be submitted for a qualifying event.

Learn more and apply at



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