Resources for N.C. Businesses | COVID-19

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Answers, Resources to Assist You, and Other Information For Managing Your Business Now

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Financial Support | Sources

  • A Debt Relief Program from the SBA might be able to provide your business a reprieve, as you overcome challenges created by the COVID-19 situation.
    DETAILS: The 7(a) Loan is the SBA’s largest financing program. Under this debt relief program, the SBA will pay the principal and interest of current 7(a) loans for a period of six months. The SBA will also pay the principal and interest of new 7(a) loans issued prior to September 27, 2020.
    | NEXT STEPS > Find the list of SBA-approved lenders to work with in this SBA Lenders List for North Carolina.

Programs No Longer Accepting Applications

  • Businesses could receive a one-time payment from the N.C. Business Recovery Grant Program if you experienced a significant economic loss due to COVID-19.
    DETAILS: The North Carolina Department of Revenue administered the Business Recovery Grant Program.  Two types of grant were available.  A hospitality grant was available to an eligible arts, entertainment, and recreation business, as well as eligible accommodation and food service business such as a hotel, restaurant, and bar (NAICS codes 71 and 72). A reimbursement grant was available to an eligible business not classified in NAICS Code 71 and 72 that did not receive funding from other relief programs, including Paycheck Protection Program, COVID-19 Job Retention Grant, and EIDL Advance.
    | NEXT STEPS >Visit for more information.
  • The North Carolina COVID-19 Rapid Recovery Lending program helped bridge the gap between the start of the crisis and the time when other sources of relief became available.
    DETAILS: The program allowed businesses to borrow up to $250,000 with no payments and 0.25 percent interest for the first 18 months.  The application deadline for this program was October 15, 2020.
    | NEXT STEPS > Visit for more information.
  • The State of North Carolina's Job Retention Grant Program (JRG) was designed to provide certain businesses or non-profit organizations a grant up to $250,000.
    DETAILS: Applications are no longer being accepted.  665 applications were received by the September 1, 2020 deadline
  • The State of North Carolina's Mortgage, Utility and Rate Relief Program (MURR) was designed to provide relief from some fixed costs, for certain businesses that have been unable to open due to COVID-19.
    DETAILS: Applications are no longer being accepted, as we now have more requests for assistance than available remaining funds.
  • The federal Paycheck Protection Program (PPP) provided small businesses with funds to help keep their workforces employed during the Coronavirus (COVID-19) crisis.  The program has closed and applications are no longer being accepted.
    DETAILS: Money from this program was provided in the form of a loan, but one that could be fully forgiven when the designated percentage of the loan was used for payroll costs, interest on mortgages, rent, and utilities. Business applied through any existing U.S. Small Business Administration (SBA) 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating.
    | NEXT STEPS > Read more about the Paycheck Protection Program (PPP) and the loan forgivenss process at the SBA website.
  • The federal Restaurant Revitalization Fund provided restaurants with funding equal to their pandemic-related revenue loss up to $10 million per business.  The program is now closed to new applicants.
    DETAILS: The program began accepting applications on May 3, 2021 at noon.  Applications were taken until all funds were exhausted.
    | NEXT STEPS > Learn more about the Restaurant Revitalization Fund at the SBA website.
  • The federal Economic Injury Disaster Loan (EIDL) program from the U.S. Small Business Administration (SBA) could provide small businesses up to a $2 million loan.
    DETAILS: As of January 1, 2022 the program is no longer accepting new applications.
    | NEXT STEPS > Visit or call the SBA at 1‐800‐659‐2955 for more information. The SBA is also publishing a helpful overview of all their COVID-19 relief programs.

Unemployment Insurance | Employer Tax Issues, Guiding Employees

  • As an employer, your unemployment insurance tax account will not be charged, for those individuals who are paid benefits for reasons related to COVID-19.
    DETAILS: Gov. Cooper’s Executive Order 118 established an approach to minimize the potential impact on your standard unemployment insurance tax obligation. Unemployment insurance tax is a tax on employer payrolls paid by employers, from which unemployment benefits are then paid to qualified unemployed workers.
    | NEXT STEPS > Find answers to common questions employers like you are asking, with this helpful list of questions available of the website of the Division of Employment Security.
  • As an employer, when your company announces plans to either close a facility or conduct a mass personnel layoff, you may be required to file a report with the state, under certain circumstances, known as a Worker Adjustment and Retraining Notification – commonly called a WARN notice.
    DETAILS: WARN notices, among other actions, trigger the state's Rapid Response team into action, which provides transition support for the people impacted by the action.
    | NEXT STEPS > Read more about the process of filing a WARN report, elsewhere on our website.

  • North Carolina seeks companies and manufacturers that can produce critical supplies to help our state meet the challenges of the COVID-19 pandemic.
    DETAILS: North Carolina Emergency Management has assembled a vetting team to review vendors wishing to supply critical products to the State of North Carolina. Supplies urgently needed include: NIOSH-Approved Respirators (N95s, etc), Other Respirators (KN95s, etc), Procedural or Surgical Masks, Powered Air-Purifying Respirators, Goggles, Safety Glasses, Face Shields, Nitrile Examination/Medical Gloves, Nitrile Non-medical Gloves, Coveralls, Gowns (Isolation or Surgical), Hand Sanitizer, Disinfectant (Spray or Wipe), and Invasive Ventilators.
    | NEXT STEPS > If you or your company can sell Personal Protective Equipment (PPE) or other critical supplies to N.C., please complete this online form.

Counseling and Advice | Sources

North Carolina’s small business service providers are here to help you navigate the COVID-19 situation in our state. This experienced group of organizations has a long history of helping businesses prepare for and then recover from disasters. Find the advice and guidance you need to manage your business through this new crisis. More information is posted regularly at this COVID-19 online help site.

  • Receive one-on-one counseling and professional advice and programming from the experts at the Small Business & Technology Development Center (SBTDC).
    DETAILS: SBTDC has supported small businesses in North Carolina for over 35 years. In the current environment, SBTDC is being flexible and innovative in its delivery of services. With physical access to most of its host campuses limited, SBTDC's professional counselors are meeting with clients by virtual technology or phone.
    | NEXT STEPS > Existing SBTDC clients will continue to have full access to their counselor remotely. New clients seeking assistance should click here for information on connecting with a counselor.
  • Receive advice and access webinars, on-demand content, and articles from the N.C. Community Colleges’ Small Business Center Network (SBCN).
    DETAILS: SBCN can assist you with SBA disaster loan applications and other sources of funding.  Center personnel can also review your financial obligations and your status with creditors, offer strategies for scaling operations and generating revenue, and provide referrals to additional sources of assistance. In addition, a host of COVID-19 resources are available online to help your business cope with the current situation.
    | NEXT STEPS > Access helpful information online here.
  • If your business is at risk of laying off significant numbers of workers, consider participating in a consultation and assistance program designed to help minimize job losses.
    DETAILS: “Business Edge” is a program that works with 'at risk' firms.  Offered by the Workforce Solutions division within the N.C. Department of Commerce, in partnership with local workforce boards and other agencies, the program connects you with experts who can help assess your current needs and available options, including helping you access potential services that address your needs.
    | NEXT STEPS > To get started, send an email to or read more about the service elsewhere on our site.
  • Public health guidance for businesses and restaurants is available.
    DETAILS: The North Carolina Department of Health and Human Services publishes guidance for dealing with the current COVID-19 situation, including specialized advice for businesses and restaurant operators.
    | NEXT STEPS > Visit the DHHS COVID-19 web portal for more information.

  • Find a manufacturer or supplier for your supply chain needs by searching the 'Manufactured in NC' statewide database.
    DETAILS: This database of suppliers for most every kind of thing produced in North Carolina is a great resource for your business. Whether you’re a manufacturer who wants to better localize your supply chain, or you're a business searching for suppliers, you’ll discover new options when you use this database.
    | NEXT STEPS > Visit and search the 'Manufactured in NC' website.
  • Biomanufacturers, life science companies, and others can connect with resources using the new Coronavirus HUB from BIO.
    DETAILS: BIO, the industry trade association also known as the Biotechnology Innovation Organization has launched a website to connect companies offering relevant supplies, capacities and resources to companies, researchers and healthcare providers that need them. This new hub enables users to post requests for urgently needed items, as well as to post the availability of supplies and capacity. The portal connects in real time through customized announcements and is searchable by keywords. Please note that connection requests for medical supplies will be facilitated in partnership with Healthcare Ready, and to ensure an organized and optimized allocation of these particular items of need, BIO will not publish nor make searchable this category of resources.
    | NEXT STEPS > Visit the BIO Coronavirus HUB.

Relevant Legislation or Executive Orders | Information

The federal government and the State of North Carolina are taking action to meet the COVID-19 situation.  While the following listing may not be comprehensive, you may find these items particularly relevant to your business.



  • The Families First Coronavirus Response Act (FFCRA) requires certain employers to provide their employees with expanded family and medical leave for specified reasons related to COVID-19. The U.S. Department of Labor’s Wage and Hour Division (WHD) administers and enforces the new law’s paid leave requirements. These provisions will apply from the effective date through December 31, 2020. More details are available here, including FAQs.
  • The Coronavirus Aid, Relief, and Economic Security Act is a comprehsive law effective on March 27, 2020 that is designed to provide fast and direct economic assistance for American workers and families, small businesses, and preserves jobs for American industries.  Details on the CARES Act can be found here.

Subscribe | Receive Information on Future Programs and Services

  • Do you want to receive information about any future programs or services for small businesses related to the COVID-19 situation, as they become available?
    | NEXT STEP > Call the state's Small Business Advisors team to register at 800.228.8443.  Advisors are available Monday through Friday, 8:30 am – 4:00 pm. Se Habla Español... the team offers Spanish-speaking counselors.
  • Do you want to receive information from the North Carolina Department of Commerce?
    | NEXT STEP > Subscribe to SYNC, the department's regular email newsletter.