COVID-19 Resources for Maryland Businesses

To assist Maryland’s businesses, MWBC has created this resource page that includes information and links to financial assistance during COVID-19. We will continue to update this page as more information becomes available, so check this page often and follow us on social media–Facebook, Twitter, LinkedIn, and Instagram.

If you have questions or need help, schedule a call with one of our business counselors. Call us at (301) 315-8091 to get connected.

Updated October 2, 2020

NEW! Governor Hogan announced that indoor visitation may resume at Maryland nursing homes where no new cases have been reported in 14 days or more, along with greater flexibility for compassionate care visits, and an additional $6 million specifically for testing nursing home staff. State Superintendent of Schools Dr. Karen Salmon also announced that child care providers in Maryland are now able to return to the full teacher to child ratios and capacities for which they are licensed. Child care centers can now serve up to 20 three- and four-year-olds in a room with a ratio of 1 teacher to 10 students and up to 30 school-age students with a ratio of 1 teacher to 15 students. Providers must continue to follow all appropriate public health and safety guidance.  Watch the recorded press conference to learn more about these announcements.

Protect yourself from phishing scams! Loan applicants seeking federal aid in response to the COVID-19 pandemic through the SBA and its Office of Disaster Assistance should be aware that email phishing scams seeking applicants’ personally identifiable information (PII) for fraudulent purposes have surfaced. Applicants to SBA’s Economic Injury Disaster Loan Program should be particularly vigilant…any email communication from the SBA will come from email accounts ending in, not a third party.

Are you a supplier or buyer in need of critical personal protective equipment (PPE) to combat coronavirus? Click here to connect with suppliers and buyers through the new Maryland Manufacturing Network.

Is your company re-opening? Visit for guidance and best practices from the Maryland Department of Commerce. Also, consider taking the Maryland Back-to-Business pledge by downloading, signing, and posting it in your business where customers and employees can see it.


  • Prince George’s County’s Greenbelt Business Improvement & Recovery Fund is Accepting Applications Until October 16 – This fund offers immediate financial assistance to local small businesses whose operations have been impacted by the COVID-19 pandemic. This program will provide businesses with a grant for up to $10,000 to help support operating expenses related to business interruption, improvements and continuity. Operating expenses include payroll, rent, fixed debt payment, suppliers, inventory, marketing costs and other business critical cash operating costs. Applicants must meet eligibility guidelines and provide evidence of financial impact due to the COVID-19 pandemic. Applications are due by Friday, October 16,  2020. To apply, visit Eligibility criteria include:
    • Completed application.
    • Business is in Good Standing with Maryland Department of Assessments and Taxation (SDAT)
    • 2019 Business Tax Return (Form 4506-T)
    • 2020 Interim Income Statement (January – June)
    • 2019 Personal Tax Return (If filing a Schedule C)
    • Proof of Employment
    • Recipient businesses must not have received previous relief funds from Prince George’s County.
  • NEW! The Legacy Fund for Small Business Development is Now Accepting Applications for Businesses in Prince George’s County – The Legacy Fund was established with a $1 million grant from the Greater Washington Community Foundation, it provides critically needed access to capital for small businesses in Prince George’s County. The fund is part of The Community Foundation in Prince George’s County’s equity and economic mobility initiative. The overall goal of the initiative is to eliminate social and economic disparities and help individuals, families, and collective groups improve their social and economic status. The Legacy Fund will provide relief from the impact of COVID-19 to help minimize business vulnerability to closure and bridge the gap to viability. Visit to apply. To learn more about the program, please visit
  • NEW! Reopen Montgomery Program Begins Accepting Applications on July 29 – Applications are now being accepting for the Montgomery County Small Business Reopen Grant Program. This program will provide up to $5,000 to hard-hit local businesses and nonprofits facing the costs of PPE needed to safely reopen.  Complete details, including eligible reimbursable items) and the online application can be found at:
    • This is a rolling lottery and businesses can only apply ONCE!  After the first 500 are chosen, it will automatically go to the next 500.
    • Once chosen, you will receive a 2nd email asking for receipts. You will have 5 days to get your receipts submitted  These must be paid receipts.  This is a reimbursement program. Bundle receipts into one PDF if possible.
    • This grant is for PPE, masks, gloves, signs on floors, dividers, that you didn’t get money for from any other program.
    • Apply using your legal entity name that is registered in the State and IRS (not your personal SSN) to avoid program delays.
    • Receipts can be reimbursed from 3/16 to 30 days after the County enters Phase 3 (which isn’t anytime soon).
  • Applications for Maryland Small Business Development Financing Authority (MSBDFA) Program Opened July 20, Offering COVID-19 Emergency Relief Loans – The MSBDFA program is receiving $5 million from the State of Maryland (via the CARES Act) to make loans to Maryland based small businesses impacted by the COVID-19 pandemic. The loans will be 5-year term loans, between $25,000 – $200,000, with 0% interest and no payments in year 1 and 2% interest over the remaining term. For complete guidelines and application details, click here.
  • SBA Economic Injury Disaster Loan Program Re-opened on June 15 and includes Agricultural Businesses – To further meet the needs of U.S. small businesses and non-profits, the U.S. Small Business Administration reopened the Economic Injury Disaster Loan (EIDL) portal  to all eligible applicants experiencing economic impacts due to COVID-19. Qualified small businesses and now U.S. agricultural businesses can apply for up to $10,000 in economic assistance. NOTE: SBA resumed processing EIDL applications that were submitted before the portal stopped accepting new applications on April 15 and will be processing those applications on a first-come, first-served basis. If you submitted in the first wave of funding (before April 15), you do not need to re-apply for EIDL.   
  • Paycheck Protection Program (PPP) Loan Forgiveness Application – The SBA and U.S. Treasury Department recently updated the application that borrowers must complete in order to have their PPP loan forgiven. The new EZ PPP loan forgiveness application requires less information and documentation and can be used if any one of the following circumstances apply to the borrower:
    • Files a Schedule C and has no employees.
    • Did not reduce salaries or wages of any employee by more than 25% during the covered period compared to the period 1/1/2020 and 3/31/2020 (Does not apply to employees making greater than $100,000) AND the borrower did not reduce the number of employees or average paid hours between 1/1/2020 and the end of the covered period (exceptions for the inability to rehire or where employees voluntarily left).
    • Did not reduce salaries or wages of any employee by more than 25% during the covered period compared to the period 1/1/20 and 3/31/2020 (Does not apply to employees making greater than $100,000) AND the borrower was unable to operate during the covered period at the same level before 2/15/20 due to compliance with health requirements.

If you have questions about the application or forgiveness process, check with your lender or visit the SBA’s FAQs page. Our friends at Rockville-based Aronson LLC published a blog post about the changes with the PPP that you may find helpful.

  • SBA Paycheck Protection Program (PPP) Accepting Applications until August 8 – The SBA resumed accepting Paycheck Protection Program applications from participating lenders on July 6, 2020. This emergency lending program offers forgivable loans to small businesses to keep their workers on the payroll. For complete details and to apply, click here.
  • Employee Retention Tax Credit  – Part of the CARES Act is a tax credit for the portion of employment taxes paid by the employer. The credit is based on a decline in gross revenue per quarter. Most businesses would not apply for the 1st quarter, but your business may be eligible for the tax credit in the 2nd quarter. Click here to learn more about this program. Consider contacting your accountant or your payroll company for assistance.
  • Maryland Business Relief Wizard – Use this tool to navigate the COVID-19 funding programs that your business may be eligible for by answering a few questions. Get started at
  • CARES Act – Congress has passed the the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which approves more than $2 trillion in economic relief. Click here for complete details. You may also find the guide and checklist from the U.S. Chamber of Commerce helpful for your small business.
  • Families First Coronavirus Response Act – Employers, download the poster that must be posted by Thursday, April 1, 2020. Learn more about FFCRA Employer Paid Leave Requirements.
  • Maryland Department of Labor – Due to unprecedented volumes of claims, the Department of Labor has updated the process for applying for benefits. Please visitMDOL’s Unemployment homepage for additional details. Click here for COVID-19 Frequently Asked Questions.
  • 2020 Renters’ Tax Credit Application Form RTC – Filing Deadline September 1, 2020 – The State of Maryland provides a direct check payment of up to $1,000 a year for renters who paid rent in the State of Maryland and who meet certain eligibility requirements. For more information, click here.


  • The Arts & Humanities Council of Montgomery County (AHCMC) is Accepting Applications for Relief Fund – The Arts & Humanities COVID-19 Relief Fund is available to Montgomery County, MD, based non-profit arts and/or humanities organizations and individual artists and scholars experiencing financial hardship due to COVID-19. Recipients have the flexibility to use funds for their most urgent needs, supporting day-to-day operating costs and furthering the general mission or work of an organization or individual artist/scholar. The application portal closed on September 14 and applications are currently being reviewed.
  • SBA Economic Injury Disaster Loan Advance All available funds for the EIDL Advance program have been allocated. By law, SBA is not able to issue EIDL Advances once program funding has been obligated and is no longer available. EIDL loan applications will still be processed even though the Advance is no longer available. Information on how the EIDL Advance worked:  The amount of the EIDL Advance was determined by the number of employees indicated on the EIDL application at $1,000 per employee, up to a maximum of $10,000. The EIDL Advance does not have to be repaid. Recipients did not have to be approved for an EIDL loan in order to receive the EIDL Advance, but the amount of the loan advance is be deducted from total loan eligibility.
  • Maryland State Arts Council (MSAC) Emergency Grant for Arts Organizations – The second round of emergency grant applications ended on August 3, 2020. Click here to review other opportunities and resources for arts organizations and artists at this time. 
  • Montgomery County Telework Grant – Applications are no longer being accepted for this grant. Click here to visit the Telework Grant information page.
  • Prince George’s County COVID-19 Business Recovery Initiative (formerly Relief Fund) – a $20 million program that offers grants to provide working capital for small County-based businesses whose operations have been interrupted due to COVID -19. No longer accepting new applications for the COVID-19 Business Recovery Initiative. If you have submitted an application, we are still processing your request.
  • Maryland Agricultural Resource-Based Industry Development Corporation (MARBIDCO) – Its Pandemic Adjustment Loan Fund Program to help Maryland’s food and fiber producers, harvesters, and primary processors adjust to business disruptions closed on July 15.
  • Montgomery County Microenterprise Stabilization Program – the application window for this grant program closed on June 16. We will provide status updates once they are received from the County. Detailed information can be found at: Note: Businesses that received assistance from Montgomery County through the Public Health Emergency Grant program (PHEG) are NOT eligible to receive funding from the Microenterprise Stabilization Program.
  • Maryland Heritage Areas Authority (MHAA) – Grants for heritage tourism nonprofits are no longer being accepted at this time. If additional funding is approved, applications will re-open on this page:
  • Maryland Department of Commerce Small Business Relief Grants and Loans – As of 5:00p on April 6, 2020, the Maryland Department of Commerce is no longer accepting applications for COVID-19 Small Business Relief Grant and Loan Programs. All applications that have been submitted are currently being reviewed in the order received.
  • Maryland COVID-19 Emergency Relief Manufacturing Fund – As of 5:00p on April 21, 2020, the Maryland Department of Commerce is no longer accepting applications for this fund. All applications are currently being reviewed. Click here for more information and updates. 
  • Restaurant Employee Relief Fund – Due to an overwhelming response of 60,000 applicants to date, the Fund is not currently accepting new applications. The National Restaurant Association Education Fund (NRAEF) continues to raise money to assist more individuals in the future. Check back at for updates and follow our TwitterFacebook, and Instagram feeds.
  • Montgomery County Public Health Emergency Grant (PHEG) – Due to the overwhelming response to the PHEG program, applications will no longer be accepted after 5:00p on Saturday, April 25, 2020. PHEG has launched a public dashboard that shares characteristics of PHEG applicants and how grant dollars are awarded.
  • Hello Alice Foundation Grants for Black-owned Small Businesses – The Hello Alice Foundation is offering grants of up to $10,000 to Black-owned small businesses in the United States. This grant can be used to assist in the recovery or stabilization of a small business that has been negatively impacted by COVID-19. Details can be found at


  • U.S. Census Now Hiring in Montgomery County – The U.S. Census is offering full- and part-time employment opportunities for the 2020 Census. Click here to download an informational flyer and apply online at 2020CENSUS.GOV/JOBS. NOTE: Applications are still being accepted; however, to protect the health and safety of the American public, Census Bureau employees, and temporary census takers, 2020 Census field operations are suspended until June 1, pending statutory relief from Congress.
  • The U.S. Small Business Administration (SBA) is hiring temporary employees to assist with disaster relief efforts. Bilingual language skills a plus. Note: These are not jobs associated with Rockville Economic Development, Inc. or Maryland Women’s Business Center. Applications should be submitted using the links provided on this page:
  • Prince George’s County COVID-19 Job Seeker Resources – Visit schedule a virtual appointment for assistance with workforce development and employment.



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