Member-Patricia-Orange-Background@2x COVID-19-Business-Relief—SM@2x


During the COVID-19 crisis, we want to help our business members get as much relief as possible. Below you’ll find a list of federal and state resources, and what you should apply for first.

Please note that all of this is still evolving, and we’ll do our best to keep updating this page as new information becomes available.*

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To maximize the amount of help your business can get, we recommend that you first apply for these assistance programs created by the U.S. Small Business Administration. And who processes your application (Affinity Plus vs. the SBA) depends on the program.

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SBA Paycheck Protection Program (PPP)

6/3 Update: Funding is still available the program, and we’re continuing to process applications. We’re accepting PPP loan requests for existing Affinity Plus business members and businesses that are not yet members.

Please submit a Contact Request form if you'd like to apply for a PPP loan.

You can prepare by having the following documents ready to submit with your application:

Also, you can use these calculators to help determine your business loan needs:

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SBA COVID-19 Economic Injury Disaster Loan (EIDL)

As a second step, eligible small business owners can borrow up to $2 million. And also get an advance of up to $10,000 (the advance doesn’t have to be repaid). The U.S. Small Business Administration handles applications for this assistance.

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SBA Express Bridge Loan Pilot Program

This can bridge the gap while you’re waiting for the COVID-19 Economic Injury Disaster Loan decision and funding. One of our business captains can process this application for you.

Learn more about federal business relief


After applying for federal business relief from the U.S. Small Business Association, you should also explore options at the state and local levels.

  • Minnesota Small Business Emergency Loans
  • Minnesota Small Business Loan Guarantee Program
  • Some counties and cities offer business relief, too (check with your local Economic Development office or Chamber of Commerce)
Learn about Minnesota business relief

* This page is meant to serve as a helpful guide to our business members. But please note that our statements are suggestions, and you should consider your unique situation and business needs before applying for anything, This summary is not a substitute for legal, tax, or employment advice or guidance. Also, due to the rapidly evolving nature of the COVID-19 crisis and its economic impact, the federal, state and local resources listed on this page may not always be entirely accurate. We’ll keep it as updated as possible, but please go directly to the federal, state and local sources to confirm the latest information.

More Resources

Paycheck Protection Program loan calculators: New Business in 2020 & Non-Seasonal Employers or Seasonal Employers