COVID-19 Grant, Loan, and Relief Opportunities

Fremont County Public Health Order Feb 16, 2021

In response to the decline in COVID-19 case rates, test positivity, and hospitalizations, the Fremont County Department of Public Health and Environment, along with the Colorado Department of Public Health and Environment (CDPHE), is moving Fremont County to Level Blue: Caution. The move to Level Blue: Caution will go into effect at 6 am on Wednesday, February 17, 2021.

For more information please contact FCDPHE at 719.276.7450 or the Fremont County Information Hotline at 719.276.7421.

State guidance to employers and places of public accommodation regarding equal opportunity employment and reasonable accommodations due to the presence of covid-19.

What Are We Doing?

The City is working diligently to provide up to date opportunities for assistance to small businesses and displaced workers during the current COVID-19 situation. We will post these opportunities as they arise. Please reach out to the City’s Grant Writer - Brandi Fowler (email Brandi or call: 719.276.5295) for any additional information or help in submitting any of these options. The City does not guarantee funding. The opportunities are from outside agencies and you will be redirected to an external site. We will update as new opportunities arise.

The Adolph & Esther Gottlieb Emergency Grant

The Adolph and Esther Gottlieb Emergency Grant program is intended to provide interim financial assistance to qualified painters, printmakers, and sculptors whose needs are the result of an unforeseen, catastrophic incident, and who lack the resources to meet that situation. Each grant is given as one-time assistance for a specific emergency, examples of which are fire, flood, or emergency medical needThe maximum amount of this grant is $15,000; an award of $5,000 is typical.

Applicants should be aware that this is a grant program, and that each application is considered on its merits within the criteria of the program. While we attempt to provide assistance to as many applicants as we can, the filing of an application is not, nor should it be perceived as, a guarantee of funding.

Eligibility: To be eligible for this program, an artist must be able to demonstrate a minimum involvement of ten years in a mature phase of his or her work. Artists must work in the disciplines of painting, sculpture or printmaking. Each application will be reviewed by the Directors, who will exercise their discretion in considering it, and will determine the amount of each award. Applicants should note there is a set amount appropriated for these grants each fiscal year; once this budgetary limit has been reached, the Foundation will not be able to judge any additional requests on their merits.

Alternative Sources of Funding Worksheet

This Google sheet helps Colorado’s small businesses find alternative funding sources beyond EIDL, PPP, and other federal loans and programs. OEDIT will be updating this sheet regularly and are aware that resources can change on a day-to-day basis. If you come across any resources that are no longer active, please email us at oedit_sbnavigator@state.co.us.

Beauty Professionals Relief Grants

Beauty Changes Lives is providing $1000 relief grants to beauty professionals with the help of CND™ and the Horst M. Rechelbacher FoundationBoth brands are repurposing funds originally intended for scholarships to instead go to benefits for licensed and aspiring beauty professionals who’ve been financially affected by the coronavirus pandemic. 

Colorado Non-Profit Association


Colorado Outdoor Winter Dining Grant

The Colorado Outdoor Winter Dining Grant Program assists Colorado-based restaurants that are experiencing financial hardship because of the Covid-19 crisis and state and local regulations limiting the number of customers in indoor spaces. Recipients must use the grant funds to purchase items needed to maintain outdoor dining spaces for patrons during colder weather.

Community Resource Center for Colorado Non-Profits


COVID-19 Rapid Response and Recovery Fund

The FSWCF COVID-19 Rapid Response & Recovery Loan Fund has been established to offer affordable loans to rural Colorado businesses and nonprofits affected by the COVID-19 crisis, with the goal to protect jobs and invest in our communities in the short, medium and long-term. See press release and flyer for more information.

COVID-19 Relief for Small and Minority-Owned Businesses and Arts Organizations

The COVID-19 Relief for Small and Minority-Owned Businesses and Arts Organizations (SB 20B-001) provides direct relief to:

  • Small businesses ($37 million)
  • Arts and cultural organizations ($7.5 million)
  • Minority-owned businesses ($4 million)

It also provides state assistance to support a one-year suspension of health inspection and liquor licensing fees. All small businesses with annual receipts of less than $2.5 million in calendar year 2019 are eligible for relief through the program.

Counties that are under severe capacity restrictions as determined by a public health order and that are in compliance with the order must develop a process to accept applications from small businesses for relief funding. DOLA is required to allocate funding to counties based on the population of the eligible local governments. Both DOLA and participating local governments can be compensated for administrative costs associated with overseeing the program.

El Pomar Foundation - Assistance Fund

Grants from the fund will be distributed to 501(c)(3) nonprofit organizations or government entities supporting access to appropriate healthcare and meeting basic human needs such as food access, rent and utilities assistance, and emergency services for individuals and communities impacted by the virus.

Energize Colorado Financial Support

Energize Colorado lists a variety of loans, grants, and other financial relief for your business or nonprofit.

Energize Colorado Gap Fund

The Energize Colorado Gap Fund will provide more than $25M in small business loans and grants to boost small business enterprises that are the economic engines throughout the state. Sole proprietors, businesses, and nonprofits with less than 25 full-time employees can apply for up to a $15,000 grant and a $20,000 loan for a possible combined total of $35,000 in financial assistance.  The application will go live in early August.

FedEx Small Business Grant Contest

You’ve grown stronger and wiser over the last year. And the valuable new lessons you’ve learned have helped you become more focused than ever before. Now you have a chance to win $50,000 to help you continue growing your business. Enter the 9th annual FedEx Small Business Grant Contest today.

Kiva Lenders

Kiva lenders have shown their commitment to providing financial assistance to all by making 0% interest loans to entrepreneurs in the U.S. on Kiva.org for the last 10 years. In today’s difficult circumstances, we’d like to make it as easy and impactful as possible for small businesses in the U.S. to have access to affordable capital on the Kiva platform—capital that may be the difference between shutting down and keeping their doors open.

KKR Small Business Builders

Created as a key pillar of KKR's COVID-19 Relief Effort, KKR Small Business Builders (SBB) aims to support entrepreneurs and their small businesses around the world. The grants are designed to help business owners sustain their enterprises, maintain or create jobs, and spur economic opportunity as they respond to the ongoing COVID-19 crisis and recover from its resultant economic dislocation. KKR Small Business Builders will support companies in three key ways: 1) access to capital 2) technical expertise 3) a network of support.

Lowe's LISC Partnership

Grants of $20,000 to small business owners to help meet their most immediate needs. Eligible expenses include:

  • Paying rent and utilities
  • Meeting payroll
  • Paying outstanding debt to vendors
  • Upgrading technology infrastructure
  • Other immediate operational costs

NeighborWorks Southern Colorado – Microloan


Microloan Terms

  • Loan Limits: $1,000 to $20,000 
  • Interest Rate: 
    • Option 1: 0% for a term of 6 months
    • Option 2: 2% term of up to 2 years
  • Term: 6 months to 2 years 
  • Loan Fee: 3%; 2% origination, 1% loan loss reserve to the CHFA CCR Program
  • Eligible Uses: Working capital only 
  • Eligible Borrowers:
    • Option 1: micro-enterprises that are low-income or will retain low-income jobs
    • Option 2: small businesses that will retain low-income jobs 
  • Repayment: Begins at 60 days

General Eligibility

  • Credit: Principal business owner(s) must have reasonable and responsible personal credit history and an acceptable explanation for any derogatory marks. Bankruptcies and debt write-offs must be at least 12 months old 
  • Cash Flow: Businesses must show that historical profits were sufficient to service the requested debt and have been impacted by the COVID-19 outbreak 
  • Location: Primary business operation located in Pueblo, Fremont, Huerfano, and Custer counties will be given priority 
  • Microloan Use of Funds: Must be for reasonable and eligible working capital expenses 
  • Microloan Requirement: Job retention 
  • Collateral: Evaluated on a case-by-case basis
  • Required Guarantors: All business owners who hold 20% or more ownership must guarantee the loan 
  • Application Fees: $25 for an individual, $50 co-borrower (waived for 90 days – July 1, 2020)

Restaurant Workers COVID-19 Relief Fund

Restaurant Workers Community Foundation is partnering with Southern Smoke Foundation to distribute their direct assistance funds. Southern Smoke is a nonprofit 501c3 crisis relief foundation based out of Houston that exists to do just that. 

SBA Economic Injury Disaster Loan/Advance Grant

The Advance portion is UP TO $10,000. The amount will be determined on a case by case bases by the SBA.

SBA Debt Relief

SBA Paycheck Protection Program

The Paycheck Protection Program (PPP) provides loans to help businesses keep their workforce employed during the Coronavirus (COVID-19) crisis. Borrowers may be eligible for PPP loan forgiveness.

In order to reach the smallest businesses, SBA will offer PPP loans to businesses with fewer than 20 employees and sole proprietors only from Wednesday, February 24 through Wednesday, March 10, 2021.

Small Business Emergency Microloan Program


The Small Business Owner’s Guide to the CARES Act

U.S. Small Business Administration – SBA Disaster Assistance in response to the Corona Virus

Loans to USA small businesses in multiple states and counties for financial assistance during the COVID-19 coronavirus pandemic. Funding is intended to provide relief from revenue losses during this crisis. Loans may be used towards any expenses that cannot be paid, including accounts payable, fixed debts, payroll, and other bills.

The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). (2.75% for non-profits/3.75% for profit)

SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

What is the Express Bridge Loan (EBL) Pilot Program

The Small Business Administration (“SBA” or the “Agency”) provides direct loan assistance to small businesses located in communities impacted by Presidentially-declared disasters and disasters declared by SBA under its own authority. As originally announced, the EBL Pilot Program authorizes SBA Express Lenders to provide expedited SBA-guaranteed bridge loan financing on an emergency basis in amounts up to $25,000 for disaster-related purposes to small businesses located in communities affected by Presidentially-declared disasters while those small businesses apply for and await long-term financing (including through SBA’s direct Disaster Loan Program, if eligible).


Child Care Info

Colorado Child Care Assistance Program

The Colorado Child Care Assistance Program (CCCAP) helps families that are homeless, working, searching for work, or in school find low-income child care assistance. Families that are enrolled in the Colorado Works Program can also use CCCAP services.

Each county's Department of Social/Human Services and the Colorado Office of Early Childhood, Division of Early Care and Learning manage the CCCAP program. Each county sets eligibility requirements for families but must help families that have an income of 185% or less of the federal poverty guideline. Counties will not serve families that have an income over 85% of the state median income.

View the Family Income Guidelines for CCCAP eligibility.

Additional Resources

Accessing Federal Funds

As you consider applying for the different federal funding sources available for Colorado businesses, the following information can help you make the best choices for your situation:

  1. Federal funds carry program-specific restrictions and it’s important to know and protect your options. Review each program thoroughly. Your approval and acceptance of a loan from one federal program may cause you to be fully or partially ineligible for other sources of federal funding.
  2. Different federal funding such as loans and grants from multiple agencies will roll out at different times, so it’s important to consider the timing of the funding source.
  3. Federal economic disaster recovery loans are accessible right now for qualified businesses; however, no federal economic disaster recovery grants have been announced. Unfortunately, for businesses seeking immediate help, there is no way to predict which future federal tools – including grants – may be employed as COVID continues to impact the US economy. This can place businesses in the challenging position of weighing an immediate federal tool against the possibility of future programs that may or may not be offered, with requirements yet to be determined.

We are committed to sharing news of all new economic recovery resources (both state and federal) as they become available and are here to be your guide through this challenging time.

COVID-19 Business Resource Center
Updated daily, with real-world funding, resources, and support for small business owners adapting to the impacts of coronavirus.

Customizable Business flyer to assure costumers

Cyber Security COVID-19 Resource Library

Downtown Colorado Inc.
DCI is a statewide nonprofit organization that provides a strategic methodology for revitalizing the local economy in Colorado’s communities.

SoCo Business Recovery
Southwest Colorado Business Recovery Group. This group aims to help people locate and understand information being released about aid programs and grants.

For the latest on COID-19 in Colorado please visit choosecolorado.com/covid19

Or call the help line dedicated to small business 303-860-5881 for all state and federal resources and how to apply

Best way to file for unemployment is colorado.gov

To find work please visit connectingcolorado.com

List of free resources for Coloradoans staying at home stayathomeco.colorado.gov

The Salvation Army Rent & Mortgage, Food and Utility Assistance