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Small Business Administration (SBA)   COVID-19 Relief Programs

Restaurant Revitalization Fund (RRF)

The SBA’s Restaurant Revitalization Fund (RRF) offers emergency assistance for eligible restaurants, bars and similar businesses affected by COVID-19.

RRF Program Highlights:

  • Provides funding equal to a pandemic-related revenue loss up to $10 million per business and up to $5 million per physical location.
  • RRF recipients are not required to repay the assistance as long as funds are used for eligible purposes no later than March 11, 2023.
  • Funds may be used for payroll costs, mortgage obligations, rent payments, debt service, utility payments, maintenance expenses, construction of outdoor seating, business supplies, food and beverage expenses, supplier costs, and operating expenses.
  • For the first 21 days that the program is open, the SBA will prioritize funding applications from businesses owned and controlled by women, veterans, and socially and economically disadvantaged individuals.
  • Recipients of RRF funds must meet SBA’s annual reporting and documentation requirements.

Apply directly to the SBA or through an SBA-approved Point of Sale (POS) provider. Known providers are NCR (Aloha), Toast, Clover, and Square.  SBA's website.

Shuttered Venue Operators Grant (SVOG)

The Shuttered Venue Operators Grant (SVOG) includes over $16 billion in grants to shuttered venues, administered by the SBA’s Office of Disaster Assistance.

Eligible businesses may qualify for grants equal to 45% of gross revenue with a maximum grant of $10 million. Some funds are reserved for eligible applicants with 50 or fewer full-time employees.

Eligible entities include:

  • Live venue operators or promoters
  • Theatrical producers
  • Live performing arts organizations
  • Museum operators
  • Motion picture theater operators and owners
  • Talent representatives

You must apply directly through the SBA. For more information, visit the SBA's website.

Economic Injury Disaster Loans (EIDL)

Small businesses, agricultural businesses and non-profits in low income communities can receive up to $10,000 through this program, provided you have suffered a substantial economic loss and have fewer than 300 employees.

EIDL Program Highlights:

  • A long-term loan made directly from the SBA
  • Funds must be used for working capital, other eligible operating expenses or certain financial obligations
  • Low fixed interest rates (3.75% for businesses and 2.75% for nonprofits)
  • Fully amortized up to 30 years
  • Loan may be repaid at any time with no prepayment penalties

You must apply directly through the SBA. For more information, visit the SBA's website.