The goal here is to keep this simple and get you straight to where you need to go. We hope this will be a real help for you...

Existing Loan

If you have a loan with a bank, do these steps:

  1. Contact them directly and ask for 3 months deferral options
  2. Follow their instructions expediently 

Need Capital

If you need capital for your business, do the following:

  • Go to and apply for a loan
  • Call 800-659-2955 or email to continue to follow up.
  • General capital resources through SBA click here Corona SBA Resources
  • CARES Act Help click here CARES Act Information
  • Click here: CARE Act Guide

Employee Help

If you need help in dealing with employees, please do the following:

  • Go to this for tax credits Tax Credit Help
  • If you need more advice watch this video Confidence for Uncertain Times
  • Preparation for internal virus outbreak CDC Outbreak

Additional Tips

Any additional tips, please do this:

  • Watch video “Confidence for Uncertain Times” above
  • Read this article Battle Plan for Small Businesses

Church / Non-Profit Help

Need relief for your Church do this:

  • Watch video CARE Act
  • Here for church resources Church Resources

Disaster Relief Questions/Answers

Who is eligible?

  • Any small business affected by this disaster.
  • Generally right now, not churches
  • New businesses

What is the criteria?

  • Need a credit score; not tied to your score
  • Fill out all the application paperwork
  • Case manager will be assigned and talk with you

How much can I get?

  • Up to 2 million per business
  • Rate is 3.75% fixed for 30 years for for profit businesses
  • Rate is 2.75% fixed for 30 years for non profit businesses
  • The amount is based on 6 months worth of loss
  • You get 1 year of deferment on the payments

What if I have multiple businesses?

  • You would have to put in multiple applications for each business
  • If it is only you owning 100% of both business, you only have to do 1 application

What can I use it for?

  • Payroll, accounts payable and any business operation expenses
  • Not loss of sales or profits or LT debtsIs collateral needed?
  • Yes for anything over $25,000 they will take collateral
  • You will have to sign a personal guaranty

Is there a cost to apply?

  • Nothing

Do I have to take the loan if it is offered?

  • No

What is the timeline?

  • 3 to 5 days to get a case manager
  • 3 weeks to fund
Call with any questions to David Kotter at or (480) 219-1205