SBA (CARES Act) program

All information and programs subject to change in accordance with SBA guidelines.

SBA Paycheck Protection Program (PPP)

The Paycheck Protection Program (PPP) loan is designed to provide a direct incentive for small businesses to keep their workers on the payroll. The 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.
An additional $310 billion has just been approved to extend the PPP through the U.S. Small Business Administration. Applications can be submitted today from participating program lenders and is on a first come, first served basis.

Eligibility includes:

  • Tribal businesses
  • 501(c)(19) veteran organizations
  • 501(c)(3) non-profit organizations, including religious organizations
  • Any small business with less than 500 employees (including sole proprietorships, independent contractors, and self-employed persons)
  • Any business with NAICS Code beginning with 72 (Accommodations & Food Services) that has more than one physical location and employs less than 500 per location

Paycheck Protection Program Lenders

If you wish to begin preparing your application, you can download a copy of the PPP borrower application form to see the information that will be requested from you when you apply with a lender. To find eligible PPP lenders near you, visit the U.S. Small Business Administration website and type in your zip code.

Local Certified SBA Lenders:

EIDL (Economic Injury & Disaster Loan)

Update: Though the Economic Injury Disaster Loan (EIDL) program has been replenished to provide assistance to small businesses, The SBA is processing EIDL loan applications that were already filed (prior to the previous depletion of funds) on a first-come, first-serve basis before accepting new applications.

When all the applications already in cue have been processed, the application portal will open to new applications (including for farms/agriculture.)
Refer to the SBA website and social media pages for the most current information and updates.
If you already have an application filed under the EIDL program, updates may be available through a regional SBA office:
Harrisburg Office: (717) 782-3840
Pittsburgh Office: (412) 395-6560
Program Outline: 
  • For: Working Capital
  • Who: Businesses, for profit and nonprofit, under 500 employees
  • Amount: Up to $2 million; SBA will determine how much, based on credit score and % of gross margin.
  • Term: Up to 30 years (Payment deferred year 1)
  • Rate: 3.75% fixed; 2.75% fixed for non-profits
  • Collateral: Less than $25,000 – unsecured; over $25,000, personal guarantee and lien on business assets for anyone more than 20% owner


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