Small Business Resources COVID-19

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

How We Reopen Our Economy

Temporary Regulatory Relief for Restaurants


Small Business COVID-19 Relief Grants

The Small Business COVID-19 Relief Grants program is designed to help prevent business closures caused by the COVID-19 pandemic and to preserve the hundreds of fun and funky businesses that make Louisville unique. Eligible businesses can receive up to $50,000 based on demonstrated impact from COVID-19 to pay for utilities, rent/mortgage payments, payroll, fixed cost support and new technology. Find out more:


Small Business COVID-19 Relief Loans

The Department of Economic Development is now accepting applications for a new low-interest loan program, the Small Business COVID-19 Relief Loan Program. The $2.8 million loan fund is designed to assist small businesses impacted by COVID-19 and aims to meet businesses’ immediate cash flow needs quickly through a shortened application process and additional meetings of the METCO Board, the oversight body that will approve the loans. Learn more:


CARES Act & Paycheck Protection Program and Health Care Enhancement Act

The CARES Act was signed into law on March 27, 2020 as part of the congressional response to the COVID-19 outbreak. The portion of the CARES Act titled the Keeping American Workers Paid & Employed Act focuses specifically on relief for businesses through new programs administered by the U.S. Small Business Administration including the Paycheck Protection Program (PPP), Economic Injury Disaster Loan (EIDL) Grants, SBA Debt Relief, and SBA Express Bridge Loans.

The Paycheck Protection Program and Health Care Enhancement Act, was signed into law on April 24, 2020, appropriates additional funding for PPP and EIDL. Additional information about the programs created to support small businesses is available on the U.S. Small Business Administration’s website at the following links: Paycheck Protection ProgramEconomic Injury Disaster LoansSBA Debt Relief; and SBA Express Bridge LoansSBA announced the conclusion of the EIDL grant program on 7/11. The PPP program also ended on 8/8.


State Unemployment

Individuals typically not covered by unemployment insurance, including self-employed, independent contractors, freelance workers, substitute teachers, childcare workers employed by religious affiliated organizations and nonprofits can now file for unemployment. Those who left their job for “good cause” because of reasonable risk of exposure (self-quarantine) or due to caring for a family member affected by the virus are also eligible.

In order to efficiently process unemployment claims, Kentuckians filing for unemployment benefits should follow a schedule designating what day they can file their claim. The schedule, which is based the first initial in their last name, as can be found HERE. Individuals filing for unemployment benefits should also 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.




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.



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 (April - June)
  • 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.

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


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 Enterprise Center. Email Cynthia Brown.

  • Community Ventures
    • Borrowers should call (859) 231-0054 to discuss options.
    • Existing borrowers are allowed a three-month forbearance period, starting in April; borrowers can choose to extend loan for three months without penalty.
    • 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 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

#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.


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




One Louisville: COVID-19 Response Fund

The fund will provide 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. Click HERE for more information about eligibility and how to apply. Donate HERE


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. We will update with more information about eligibility and how to apply.



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


Local Gig Workers Relief Bank (led by Lance Minnis)


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


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

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.

Apply at