Hit hard by COVID-19? Here are small business loans and grants by state


In response to financial hardships related to the ongoing COVID-19 pandemic, states and municipalities across the country are establishing loan and grant programs to assist small businesses, including general contractors, home builders and remodelers. We’ve compiled a list of various programs across the nation that may be an option for your construction business.

Please note that a number of these programs include fast-approaching deadlines. If you believe you are eligible for one of these programs, be sure to apply as soon as possible. Our team will continue to provide updates as more information becomes available.


West Alabama

The Chamber of Commerce of West Alabama created the Small Business Relief Fund. To be considered, small businesses must have 50 full-time employees or less, have experienced financial hardship as a result of COVID-19 and be located in one of West Alabama’s nine counties: Bibb, Fayette, Greene, Hale, Lamar, Marengo, Pickens, Sumter or Tuscaloosa.

Athens-Limestone County

The Greater Limestone Chamber of Commerce is sponsoring the Athens-Limestone County Small Business Assistance Initiative. Through the program, the Chamber will provide grants to businesses who have between 2–50 employees, have experienced financial hardship due to COVID-19 and are located in Limestone County.



Juneau’s Economic Development Council is offering small business loans to businesses who employ 25 full-time employees or less. A loan amount of $25,000 is available for small businesses with ten or fewer employees and up to $50,000 for small businesses with eleven or more employees. The maximum loan term is 30 months, with interest paid back within the first 12-months being refunded.


Growth Partners Arizona offers two different loan programs for small businesses affected by COVID-19. One program, in partnership with nonprofit Kiva, will offer no-interest, no-fee loans in crowdfunded amounts of $1,000 – $15,000. The other program, partnered with Business Development Finance Corporation, will offer Small Business Success Loans in larger amounts of $10,000 – $75,000 for business growth, equipment and long-term capital.


The city has launched the Tempe Small Business Emergency Loan Program. The $1 million fund offers microloans of between $5,000 and $20,000 to small businesses that employ 5 – 50 employees. Each loan has a fixed interest rate of 4%, repayment terms up to 48 months, with the first payment deferred up to 90 days.


Benton and Washington Counties

The Startup Junkie Foundation has partnered with nonprofit Kiva to offer zero-interest microloans up to $10,000 to qualified small businesses.


California launched the Small Business Disaster Relief Loan Guarantee Program, a $50 million program for businesses impacted by COVID-19 that may not be eligible for federal relief programs. Qualified businesses must have less than 750 employees.


Berkeley’s City Council created the Berkeley Relief Fund offering grants up to $10,000 to Berkeley businesses with less than 50 employees and can demonstrate 25% reduction in revenues due to COVID-19. Application for the first round of grants has closed. However, a second round of funding is currently be raised.



The city has created a $44 million Small Business Emergency Relief program. The program will provide small businesses with grants up to $7,500, prioritizing industries most impacted by the pandemic.



The Hartford Foundation for Public Giving, HEDCO Inc. and Capital for Change have launched a $1 million Small Business Emergency Assistance Grant Program. Businesses with annual revenues less than $500,000 can apply for a grant up to $10,000.


The state launched a $40 million Rebuild Florida Business Loan Fund to address the gap in available funding for small businesses by providing longer-term loans with higher funding levels. Eligible businesses can apply for up to $500,000 in working capital, machine and equipment, construction, inventory and more.

Miami-Dade County

The county is using $5 million to create the Small Business Assistance Forgivable Loan Program. The forgivable aspect of the loan requires recipients to retain jobs of individuals who earn less than 80% of the annual Area Median Income of $51,200. To be eligible, small businesses must have no more than 25 employees, provide evidence of being impacted by COVID-19 and not previously have received assistance from other COVID-19 programs.

Orange County

The county recently launched the application process for its $72.9 million Small Business Grant Program. The program plans to provide 6,500 qualifying businesses with $10,000 grants. To qualify, businesses must employ no more than 25 employees, have been in operation since at least Jan. 1, have not received a PPP loan or business interruption insurance settlement and must commit to following all COVID-19 safety guidelines.

Volusia County

The county allocated $10 million it received from the CARES Act to create the Relaunch Volusia Small Business Reopening Grant Program. The program offers one-time grants of $5,000 to businesses with 26-50 employees and $3,000 grants to businesses with less than 26 employees.


Cobb County

Cobb County recently launched its Small Business Relief Grants program, which is funded with $50 million from the county’s CARES Act funds. The program will provide grants to small businesses that employ 100 people or less. The deadline for applications is June 26.



The city created a $25 million Small Business Relief and Recovery Fund. The program will provide businesses with grants up to $10,000 to be uses for expenses such as rent, utilities and other business expenses. Qualified businesses must have 30 employees or less and annual revenues of $1 million or less.


In partnership with banks, the state created the Illinois Small Business Emergency Loan Fund. The program is offering low-interest loans up to $50,000 to small businesses located outside Chicago with 50 employees or less and that have earned less than $3 million in revenue in 2019.


The state allocated $30 million from its CARES Act fund to create the Small Business Restart Fund. Eligible businesses will be able to seek reimbursement for up to 80% of qualified expenses such as rent, utilities and safety investments such as PPE. To be eligible, businesses must have less than 50 employees, less than $5 million in revenue in 2019 and demonstrate a monthly revenue loss of at least 40% compared to pre-COVID revenues.


Jefferson County

The Louisville Home Opportunities and Micro-Enterprise Community Development Loan Fund, Inc. has partnered with several others to create a Small Business Continuity Loan program. The program offers zero-interest loans up to $25,000 with no payment for 12 months. To be eligible, businesses must have 10 or fewer employees, must be located in Jefferson County and must be in good standing with the Louisville Metro Revenue Commission.


Louisiana Economic Development and the Louisiana Loan Portfolio Guaranty Program have partnered to launch the $50 million Small Business Loan Guaranty Program. Businesses with less than 100 employees are eligible to borrow up to $100,000 with payments deferred for six months.


The $5 million COVID-19 Relief Business Direct Loan Program will provide small businesses with loans up to $50,000. Eligible businesses must show they have experienced business interruption or hardship as a result of COVID-19.


Baltimore County

The county opened a $10 million COVID-19 Small Business Relief Grant Program for businesses that have not received PPP assistance. Grants up to $15,000 will be available to local businesses with 2 – 25 employees that commit to keeping those employees on payroll until Jan. 1, 2021.



TechTown with other corporations in Detroit created the Detroit Small Business Stabilization Fund. The fund will provide working capital grants of $5,000 to small businesses who have 10 employees or less and whose business owner’s personal income must be low or moderate.

Wayne County

In partnership with TCF Bank, Wayne County is offering a Small Business Relief Loan Fund. Loan amounts will range from $5,000 to $50,000 on 12-month terms with interest rates of 2% or less. To be eligible, businesses must have 100 employees or less, earn less than $1 million in revenue and must have suffered substantial hardship due to COVID-19.


The state created a $300 million grant program for small businesses called Back to Business Mississippi. The money will be distributed to eligible businesses through rounds, with the first using $60 million to make $2,000 payments to businesses in operation before the governor’s disaster declaration. The second round will award $25,000 grants on a competitive basis. To be eligible, small businesses must have no more than 50 full-time employees.


Kansas City

A group of organizations have come together to create a $5 million KC COVID-19 Small Business Relief Fund. The program, originally exhausted by April 3, reopened on May 27 for a second round of loans. During the first round, loans up to $100,000 were available with no interest and deferred payments of 6 – 12 months.


The state announced the Small Business Stabilization Grant, where small businesses with 5 – 49 employees may apply for grants. The application deadline is June 26.


Clark County

The Small Business Stabilization Grant has been developed for employers affected by COVID-19. Grants of up to $5,000 will be available to businesses with 1 – 4 employees and up to $10,000 for businesses with 5 – 20 employees. The grants may be used for working capital such as rent, utilities, inventory, payroll, license fees, etc. The application deadline is June 24.

New Mexico

Rio Rancho

The city created a Small Business Assistance Program. The program will make grants of $5,000 available to businesses with 5 – 10 employees and $10,000 to small businesses with 11 – 40 employees. To be eligible, a business must be able to show documented decline in revenue due to COVID-19.

New York

The state recently launched the New York Forward Loan Program, a $100 million fund offering working capital loans to small businesses that have not received financial support from federal COVID-19 relief programs. For small businesses, the interest rate is 3% with five-year terms and interest-only payments for the first 12 months.

New York City

The NYC Small Business Continuity Loan Fund offers zero-interest loans up to $75,000 for businesses impacted by COVID-19. To qualify, businesses must have less than 100 employees, be located in one of the city’s five boroughs, have no outstanding liens or tax judgements and have experienced a revenue decrease of at least 25% as a result of COVID-19.


The Brooklyn Chamber of Commerce established the Bring Back Brooklyn Fund, a program offering small business loans of $500 – $30,000 to those with revenues affected by the pandemic and have not received a PPP loan. The Chamber is still crowd funding for its goal of $500,000.



The city created a COVID-19 Small Business Fund. The fund offers Recovery Loans up to $75,000 with a deferral period of one year and Emergency Loans up to $15,000 with a deferral period of six months.

Rhode Island

The East Providence Economic Development Commission is offering two loan programs: one for businesses with fewer than five employees and a second for businesses with 5 – 10 employees. Both programs offer loans up to $5,000.

South Carolina

Richland County

The county has created a $1 million Pandemic Relief Grant program, half of which is available to small businesses for grants up to $10,000. To be eligible, businesses must have less than 50 employees and be able to demonstrate losses of 50% or more in revenue. The application closes June 30.

South Dakota

The Governor’s Office of Economic Development has created a Small Business Relief Fund, offering zero-interest loans of $5,000 – $75,000 for small businesses with less than 250 employees.


Dallas County

The county will be using $5 million of its federal Coronavirus Relief Fund to offer forgivable loans up to $15,000 to small businesses located outside the city of Dallas that have not yet received federal assistance. No announcement has been made on when applications will be available.

Travis County

The county is directing $10 million toward a small business grant program, which will offer small businesses grants up to $40,000. To be eligible, businesses must be in Travis County, but not within Austin, must have 25 employees or less and must have an annual revenue of $500,000 or less. Applications will be available soon.


A tech entrepreneur created the Virginia 30 Day Fund, which provides 30-day loans to small businesses waiting for federal funds. Businesses do not need to pay back the loans but are encouraged to “pay it forward” to another Virginia business by repaying the fund. To be eligible, businesses must employ between 3 – 30 people, be based in Virginia and have operated for at least one year.



The city opened an application process for its small business grant program. The program will offer small businesses grants up to $10,000. All businesses in Ellensburg that applied for the Working Washington Small Business Emergency Grant program will automatically be considered. The deadline for applying is June 19.


The state announced the creation of We’re All In, a $75 million program that will provide $2,500 cash grants to 30,000 small businesses. To be eligible, businesses must have 20 employees or less and must not have already received financial assistance from the Wisconsin Economic Development Corporation. The deadline for applications is June 21.


The $50 million Wyoming Business Interruption Stipend will assist independently owned businesses in in Wyoming with 50 employees or less by providing grants up to $50,000. Two other grant programs are expected in July.

Stay up to date with the latest information

For more COVID-19 resources, bookmark our resource hub, which is updated regularly with new information to help you navigate these challenging times.

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