Primary Pandemic Business Resource Links:

Recent updates
Washington Department of Commerce

7/11/2022 Covid-19 Emergency Funding

  • Working Washington Grants Round 5 application open August 17 – September 9. Note: As of April 2022 a UEI (formerly DUNS) number is required to receive funds. If you are not yet registered with do so asap. Commercegrants UEI FAQ
  • Convention Center Grants application open August 17 – September 9
  • Small Business Flex Fund Loans
Small Business Administration

COVID EIDL application deadline was December 31, 2021

For help with current COVID EIDL applications, call 833-853-5638 (855-440-4960 for the deaf and hard-of-hearing) or email For help with Targeted EIDL Advance applications, email Learn more at


See SBA website:

If your loan is $150,000 or less, you may be eligible to apply for direct forgiveness through SBA using our online portal.

IRS News


Washington State

Mental health resources at One resource here is Washington Listens, a support line (1-833-681-0211) to talk about stress due to COVID-19.

StartUp Washington with resources, assistance and grant information when available

AWB PPE Connect has resources and connection with Washington businesses for PPE

Washington SBDC Bellingham recorded webinars includes PPP, eCommerce Grants, FAQs and more


5/19/2020 Federal Resources for Small Businesses affected by COVID-19 is a centralized platform with information obtained from multiple federal agency resources in an organized format with searchable functionality.

Federal Resources for U.S. Small Business

America’s SBDC Covid-19 Resources

Primary Employer-Worker websites

Washington L & I safety-health Coronavirus

Employment Security Department

U.S. Department of Labor homepage ‘News’ has latest Guidance for Workers and Employers under Families First Coronavirus Response act other federal announcements for employers

U.S. Department of Labor COVID-19 and the American Workplace

DOL outlines small-business exemption from cornoavirus paid leave law brief from

Centers for Disease Control & Prevention business guidance Coronavirus


Family First WWU SBDC Webinar

Zoom Recording


Employer guidance regarding protecting employees

Washington Department of Health

Families First Coronavirus Response Act

Re-opening articles

Coronavirus and legal considerations

The National Law Review database of articles focused on various aspects of the COVID-19 crisis. 

  • In this video from Bracewell LLC, managing partner Robert Nichols, an attorney who handles OSHA issues, explains why employers must include contractors and contractors’ workers in health and safety measures, in addition to their own employees and customers. is an information and resource hub powered by the National Development Council and Washington Economic Development Association. Coronavirus Relief Options portal for PPP, EIDL, SBA Express Bridge Loans and SBA Debt Relief

SBA Coronavirus Disaster relief guide covers programs available. The new COVID-19 ECONOMIC INJURY DISASTER LOAN APPLICATION Advance began March 30.

SBA Guidance for Businesses and Employers to Plan and Respond to Coronavirus

SBA announcements press releases Coronavirus Tax Relief for Business

Washington State Department of Commerce note FAQs section

Washington state business resources for COVD-19

COVID 19 resource list for impacted Washington businesses and workers

WWU SBDC Bellingham Preparedness for Business

America’s SBDC COVID-19 Small Business Resources

Washington Retail Association Note: Retailer COVID-19 Retailer Resource Guide, Retail Services ‘Retro‘ can help reduce workers’ compensation and ‘Rise Up‘ offers online training on the fundamentals of retail, now being offered to members at no additional cost.


12/8/2020 Fake emails from Sba-attorneys [mailto:info[@]] are circulating. This is a scam.

Tips & Resources

Government links should always have .gov in the primary url.

Fraud impersonating SBA alerts:–sba-programs-scams-fraud-alerts

  • Be cautious of webpages claiming to be the U.S. Small Business Administration (SBA). Look for (NOT in the primary url.
  • An SBA logo on an email or webpage does not guarantee the information is accurate or from the SBA.If you are contacted by someone claiming to be from the SBA, suspect fraud.
  • There is no cost to apply for a COVID-19 Economic Injury Disaster Loan and SBA will never ask you to provide a credit card.
  • Do not release any private information (social security number, date of birth, etc.) or banking information in response to an unsolicited caller, letter, email, or text.
  • If you are in the process of applying for an SBA loan and receive email correspondence asking for PII, ensure that the referenced application number is consistent with your application number.
  • Check for spelling and grammatical errors in an email and be wary of clicking on any links or attachments.
  • Visit the Small Business Cybersecurity site to learn more about small Business Cybersecurity tips, common threats, training, and best practices.
  • Visit the U.S. Department of Homeland Security’s Cyber Infrastructure site for small business resources.
  • Trust your instincts! If something seems too good to be true, then it probably is too good to be true.

If you have already responded to a phishing email, take ID theft precautions immediately. Visit for more information.

In addition, the Cybersecurity and Infrastructure Security Group (CISA) and the Regional Infrastructure Security Group (RISG) are also sharing information to warn the public of potential scams. More information is at

Washington State

Washington State Coronavirus scams

 Washington State

WA state small business guide chapter on ‘closing your  The guide gives a comprehensive list of who must be contacted depending on the industry.  


 Close or Sell Your Business includes information on bankruptcy and liquidation.


Closing Your Business Checklist with links to various forms that might need to be completed.

One minute video from the IRS with an overview of what must be done.

The page also has information to help business owners who are declaring bankruptcy, selling their business and terminating retirement plans. For easy access, they can reach the page at

How to close a sole proprietorship: fact sheet and e-poster, (Spanish version)

How to close a partnership: fact sheet and e-poster, (Spanish version)

How to close a corporation: fact sheet and e-poster, (Spanish version)

Non Governmental Resources

QuickBooks Guide How to close a business: A 10-step guide for small business owners

6/19/2020 SBA’s Lender Match is an additional resource for pandemic-affected small businesses who have not applied for or received an approved PPP loan to connect with lenders.  This is an online tool for small businesses and non-profits to be matched with Community Development Financial Institutions (CDFIs), Minority Depository Institutions (MDIs), Certified Development Companies (CDCs), Farm Credit System lenders, Microlenders, as well as traditional smaller asset size lenders in the Paycheck Protection Program (PPP).  Read announcement here: newsroom

Washington SBDC Financial tools

Financial Management eLearning

Funding your Business Resource Page

SBA LINC is a tool that connects borrowers with SBA Approved Lenders


Non-disaster SBA Loans:

Washington state


SBA Microlenders and Community Advantage Lenders

Business Impact Northwest



Mercy Corps Northwest


Business Survival Strategies

The information below is provided for your consideration and should be evaluated carefully. As local, state and federal agencies continue to roll out new assistance programs, your best course of action may change.

Business Survival Strategies handout pdf

Webinar slide deck 4/17/2020 Business Survival and Cash Flow Forecasting 4.17.20


    • Staffing reductions
      • Current relief options may provide funds to keep employees.  Check with and an SBDC advisor for options. If necessary, assess your minimum staffing needs and make appropriate reductions in personnel and or hours worked.
    • Cash controls
      • Eliminate any expenses not essential to business survival
      • Stop buying inventory unless you can sell it with quick turnaround
    • Leases
      • Contact your landlord immediately to discuss reduced rent or rent abatement, in which suspend payments now that are added to the end of your lease. Any changes would need to be documented in a lease amendment. Dealing with your Landlord? Blog from
    • Loans
      • Talk with anyone you are borrowing from about the possibility of a loan deferral or contract extension. A deferral will have a balloon payment at the end. An extension will extend the term of the loan.
      • Look at your debt load and see if it is possible to restructure your debt to decrease payments.
    • Vendor contracts/payments
      • Talk with suppliers immediately about whether you can delay payments or other ways you might be able to reduce costs.
    • Utility costs
      • Some utility companies are offering COVID-19-related fee reductions. Go to their website or call to find out what relief is available.
    • Taxes
      • Seek emergency relief from both state and federal government

    NOTE: In reducing staff hours and/or furloughing employees, employers must take the lead with WA state Employment Security Division in assisting employees with benefits. There are several options available for unemployment. See the flyer in this link:

    Employment Security Department information for workers and businesses affected by COVID-19

  • Cash Infusion Strategies

    • Traditional or disaster loans

    Realistically assess whether your business can take on additional debt.

    • Traditional SBA loans, express loans, lines of credit, etc.
    • Alternative lenders, i.e. Craft3, Mercy Corp, Business Impact NW, Evergreen Business Capital, WAFD, etc.
    • Personal loans (proceed with caution)
    • Same day loans (proceed with extreme caution!)
    • Business interruption/continuity insurance
      • Contact your insurance broker to see what your policy provides
    • Accounts receivable
      • Collect any/all outstanding accounts receivable, but try to preserve important customer/client relationships for future business
    • Inventory control
      • Take a full inventory and secure it as much as possible. Any perishable inventory that can’t be sold could be donated and listed as a charitable contribution for taxes.
    • New markets
      • Determine if your business can move any product or services online, or if this current environment offers any opportunities for new revenue streams.

    The goal is to improve the company’s overall cash outflow to preserve cash in the bank and extend the company’s ability to survive.

  • Communication is key

    • Talk to your employees
      • Do they know and are they following new health and safety guidelines? Are any of them able/willing to reduce hours voluntarily? How can they use technology to increase productivity, especially in this new environment?
    • Talk to your customers
      • Their needs have changed, what can you do to meet those needs? Look for new opportunities, markets and solutions. How can use you technology, including social media and other digital platforms, to engage and attract customers.
    • Talk to your lenders and landlord
      • Be realistic about the current situation. Can you defer, extend or lower payments in exchange for a longer loan or lease term or balloon payment later?
    • Talk to industry colleagues
      • What are they doing that seems to be helping in the current situation? Crowd-sourcing solutions may be helpful.


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Contact Washington SBDC

(833) 492-7232