Last Updated Thursday, June 12, 2020

West Michigan Resources for Small Businesses Impacted by COVID

GROW continues to gather resources here to help you keep your business operating and stay afloat in these uncertain times. We’ll keep this page updated to add more vetted resources for you to reference, often multiple times a day. As financial assistance with loans, grants and other programs are released, you will find it all in one place here. There is a lot of activity to support Small Businesses, which means a lot of things are changing quickly. Our staff continues to work remotely supporting GROW clients and other small business owners to navigate all of these resources. Please contact us for assistance in identifying which options may be best for your business and your unique situation – simply use the form at the bottom of this page.


Returning to Work Safely

Miller Johnson Back to Work Resource Center

Spectrum Health Employer Toolkit

Financial Resources to Small Businesses

Economic Injury Disaster Loan

Notice: Lapse in Appropriations: SBA is unable to accept new applications at this time for the Economic Injury Disaster Loan (EIDL)-COVID-19 related assistance program (including EIDL Advances) based on available appropriations funding.

Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis.

Overview: In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. This advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available following a successful application. This loan advance will not have to be repaid.

  • There is now an additional $60 billion for the EIDL program, including $50 billion in loans and $10 billion in grants
  • SBA will resume processing EIDL Loan and Advance applications that are already in the queue in the order they were received
  • The EIDL application portal is not accepting new applications at this time
EIDL is open but is processing loan requests that were submitted at the end of March and received a 200 series loan application number. Applicants with this 200 series loan number are encouraged to reapply via the portal with that number that was given.
EIDL is also now open also for those in the Agriculture Industry.
For EIDL Borrowers
  1. Due to appropriate funding level, SBA is unable to accept new applicants. Applications already submitted will be processed on a first-come, first-served basis.
  2. For update on EIDL portal reopen time frame, please sign up SBA newsletter for update here.
  3. The District Office has no visibility on the status of EIDL Loans and no authority to overrule the loan decisions made by Office of Disaster Assistance.
  4. Please call our Disaster Customer Service Center at 1-800-659-2955 or, for the deaf and hard-of-hearing 1-800-877-8339 (Monday through Friday from 8:00 am to 8:00 pm, Saturday and Sunday from 8:00 am to 8:00 pm Eastern Time) or email  disastercustomerservice@sba.gov.

The U.S. Small Business Administration (SBA) has designated COVID-19 as a qualifying event for the provision of Economic Injury Disaster Loans (EIDL) for businesses and private non-profits in declared zones. All information below can also be found here on a page we created just for the EIDL

More info from SBA.gov here


Paycheck Protection Program

Notice: PPP Resumes April 27, 2020: The SBA will resume accepting Paycheck Protection Program applications from participating lenders on Monday, April 27, 2020 at 10:30am EDT.

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.

SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

Paycheck Protection Program Updates
PPP still has funds available for those who have not applied. If you are still undecided about applying, then you should consider it knowing that there is still money to loan. The PPP Loans have the process as before – so please start by checking with your current business bank.
For PPP Borrowers
  1. Loan Status Check? Please check with your PPP lender directly.
  2. SBA PPP Lender Search Tool, click here.
  3. List of PPP lenders by States, click here.
  4. For an unofficial list of FinTech companies helping SBA with PPP loans, click here.

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.

Frequently Asked Questions for Lenders and Borrowers (04/26/2020)

More information is available on the SBA.gov website here.

PPP Loan Forgiveness Overview

Review this informative presentation from PrismGroup Public Affairs (PDF)

What’s the Difference between EIDL and PPP?

Curious about the difference between the EIDL Loans and Paycheck Protection Program? Here is a quick comparison chart PDF with all the details.Comparison Chart to PDF download Difference between EIDL and PPP loans

Additional SBA Funding Options at SBA.gov



IR-2020-89, May 7, 2020 — The Internal Revenue Service today reminds employers affected by COVID-19 about three important new credits available to them.
FS-2020-05, May 2020 — The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) encourages businesses to keep employees on their payroll by providing them an Employee Retention Credit.

Kiva Lenders: Coronavirus Small Business Support

Effective immediately, U.S. applicants for a Kiva loan will have access to the following:

  • Expanded eligibility: More businesses in the US will be eligible for a Kiva loan.
  • 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.

0% interest loans up to $15,000 with a 6-month grace period.

More information here.

US Chamber of Commerce Foundation

The Save Small Business Fund is a grantmaking initiative offering short-term relief for small employers in the United States and its territories. This fund seeks to provide $5000 grants to small businesses with 3-20 workers who have been financially impacted by COVID 19.

More information here.


One Fair Wage Emergency Fund: Tipped and Service Worker Support

Cash assistance to restaurant workers, car service drivers, delivery workers, and personal service workers.

More information here.


Restaurant Workers Community Foundation COVID-19 Crisis Relief Fund

A relief fund for restaurant workers facing economic or health hardships.

0% interest loans to businesses to maintain payroll, or reopen after the crisis.

More information here.


Rapid Response Fund

The Rapid Response Economic Relief Fund is aimed at delivering short-term financial support to small businesses in need.

This fund is focused on supporting small, for-profit businesses with 5-25 full-time employees located in Kent County with grants from $5000 – $10,000.

More information here.


Grand Rapids Neighborhood Match Fund

The next round of funding in the City of Grand Rapids’ Neighborhood Match Fund (NMF) will support projects that build community within and across diverse populations, focus on COVID-19 resiliency and recovery and projects that intentionally bring the community together to advance equity and address the impacts of structural racism.

More information here.


We will continue to add new webinars and trainings here. Many resources offer these on-demand if you missed the live webinar/call. Those are linked below, too!

SBDC Webinars
  • Friday Forum: Friday’s at 2:00 p.m. Click HERE to register
  • Human Resources: On-Demand – Click HERE
  • Managing the Cash Flow Crunch – Click HERE to watch

SCORE Webinars

  • Open Mic – Small Business Revival – C001: Every Tuesday and Thursday, 11:00 a.m.
    • Live virtual Q&A with our SCORE Business experts, clients, and anyone who has new opportunities to share. Read more
Start Garden Webinars
  •  Emprendedorx: Friday’s, 2:00 p.m.
    • Live discussion on entrepreneurship for the Hispanic Community)
    • *All discussions will be in Spanish (Full but follow along for other events)
    • Click HERE to follow on Eventbrite
  • See more Start Garden webinars HERE

Michigan West Coast Chamber of Commerce

  • Several different webinars and virtual happy hours available
  • Click HERE to see their events calendar

Miller Johnson

  • On-demand and public webinars related to HR and much more. Click HERE


  • Webinars on demand HERE

Clark Hill: COVID-19: Updated Guidance on Families First Coronavirus Response Act and CARES Act Debrief

  • On-Demand | Details  HERE
COMPASS Consulting Webinar- All Stressed out and No Place to Go: 
  • Click HERE to view the presentation

Michigan Good Food Fund

  • Food and Farm Business Sales Channel Deep Dive – En Español | On Demand HERE

Additional Resources (Click links to learn more)

Federal Resources

Federal Resources for Small Businesses

Organizational Resources

SBDC: Supporting Your Small Business During COVID-19

SBA.gov: COVID-19: Small Business Guidance and Loan Resources

Michigan Retailers Association

US Chamber of Commerce Foundation: Guidance for Employers & Small Businesses

US Chamber Emergency Loan Small Business Guide & Checklist (PDF)

Department of Labor: OSHA Resources for Workers and Employers on COVID-19

Navigating COVID-19: Small Business Policy & Legislative Resource Guide

Taxes & Accounting

IRS Videos: Business Disaster Information

Intuit: COVID-19 Tax Info Center (tracking changed filing dates)



Michigan Chamber of Commerce: Coronavirus Toolkit

         Michigan West Coast Chamber of Commerce: Coronavirus Toolkit

Grand Rapids Chamber Coronavirus Toolkit

Google: Resources to help your small business manage through uncertainty

West Michigan Community

Michigan Good Food Fund: Michigan Food Business COVID-19 Resources

Grand Rapids Chamber Coronavirus Toolkit

Support Area Restaurants (Experience GR)

West Michigan COVID Coalition

         Food and Bill Assistance 

United Way: Food, Bills & Other Needs

Meals on Wheels

Health Organizations Guidance for Employers

World Health Organization: Coronavirus Situation Reports

Centers for Disease Control and Prevention: Interim Guidance for Businesses and Employers


How Can We Help?

If you are in Kent County and interested in a loan, please click here for the application for our Re-Start Kent Loan.

In you are in the Muskegon area and interested in a loan, please click here for the application for our Muskgeon Recovery Loan.

For any other inquiries, please contact our offices at 616-458-3404.

We look forward to talking with you soon.