The JCTDA compiled resources from Region A, the Small Business Center, Economic Development and others all into one place for our partners. We will update this list with new resources as they become available.

N.C. Small Business and Technology Development Center

SBTDC is first responder to disaster recovery in the state of NC and are a partner of SBA and UNC System.  The SBTDC COVID-19 site is online here and is a go to for small business resources.  
Sandra Dennison
(Cell) 828-338-9317

North Carolina Department of Commerce Employer Resource Guide

Golden Leaf $15m Rapid Recovery Loans 

The Golden LEAF Foundation announces $15 million in funding to launch a rapid recovery loan program in response to economic losses related to Coronavirus (COVID-19). Golden LEAF funding will support the NC COVID-19 Rapid Recovery Loan Program by enabling loans to be made to eligible businesses for up to $50,000 with zero interest and no payments for six months. If not repaid in six months, the loan will automatically convert to a term loan. Link

Mountain BizWorks NC COVID-19 Rapid Recovery Loan

Mountain BizWorks is providing NC COVID-19 Rapid Recovery Loans as a vital resource to help Western North Carolina small businesses be resilient and adaptive in the face of the Coronavirus crisis. These are primarily designed to be a timely source of bridge loan financing until businesses can access SBA Disaster or other federal disaster funding.


tenBiz is a private consulting firm based in Sylva that hosts a team of experts positioned to assist with disaster resiliency issues including loan packaging, strategic planning and marketing assistance.  Our team includes associates with decades of experience in working with SBA lending and other resiliency support challenges.  We work hand in hand with the local and state resource providers to provide more direct assistance to business owners who would rather "turn the process over" to someone rather than spend time working on it themselves.


Small Business three-page guide from the N.C. Main Street Program

Small Business Assistance

The Small Business Center at SCC has a number of great resources and upcoming webinars for businesses related to COVID-19.

Confidential counseling is still available, but will be done virtually for the time being.

Contact: Tiffany Henry

Director, Small Business Center, Southwestern Community College


Información en español - haga clic aquí

Coronavirus (COVID-19) Main Street Resources

  • Relevant information from federal agencies and national organizations, such as the Centers for Disease Control and Prevention (CDC), Small Business Administration (SBA), U.S. Department of Labor and U.S. Chamber of Commerce;

  • A listing of funding opportunities as well as information on upcoming webinars and virtual events;

  • Tip Sheets with quick ideas and inspiration that your program can implement during the crisis;

  • Social graphics highlighting ways your local community can continue to engage and support your Main Street businesses--ready for download and sharing! Be sure to use #SupportLocalSafely when posting; Link

Dominion Energy (Formerly PSNC) Non-Profit Grants

The Dominion Energy Charitable Foundation has committed $750,000 and will provide funding to nonprofits addressing direct needs in the communities across the Dominion Energy footprint, with a primary focus on those areas that are home to the more than 7 million retail customers Dominion Energy serves. Link

SBA Loans

What businesses are eligible to apply?

SBA’s Economic Injury Disaster Loans (or working capital loans) are available to small businesses, small agricultural cooperatives, small aquaculture businesses and most private non-profit organizations

What is the criteria for a loan approval?

Credit History-Applicants must have a credit history acceptable to SBA.

Repayment –SBA must determine that the applicant business has the ability to repay the SBA loan.


Eligibility- The applicant business must be physically located in a declared county and suffered working capital losses due to the declared disaster, not due to a downturn in the economy or other reasons. 


How much can I borrow?

Eligible entities may qualify for loans up to $2 million.  

The interest rates for this disaster are 3.75 percent for small businesses and 2.75 percent for nonprofit organizations with terms up to 30 years.  

Eligibility for these working capital loans are based on the size (must be a small business) and type of business and its financial resources.  

How can I use the loan funds? What are the collateral requirements?

Economic Injury Disaster Loans over $25,000 require collateral.

SBA takes real estate as collateral when it is available.

SBA will not decline a loan for lack of collateral, but requires borrowers to pledge what is available.

These working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred.  The loans are not intended to replace lost sales or profits or for expansion. 

Other information that may be requested:

Complete copy, including all schedules, of the most recent Federal income tax return for principals, general partners or managing member, and affiliates (see filing requirements for more information). 

If the most recent Federal income tax return has not been filed, a year-end profit-and-loss statement and balance sheet for that tax year.   A current year-to-date profit-and-loss statement .

Additional Filing Requirements (SBA Form 1368) providing monthly sales figures. (This is especially important for Economic Injury Disaster Loans.)

To apply go 


Additional Loan and Disaster Financing Resources


US Small Business Administration Small Business Guidance and Loan Resources

Small Business Loans

Small businesses will be negatively affected by this crisis. There are many loan funds available to assist with emergency funding.


Thread Capital (NC Rural Center)

Telephone: 919-212-4950; Email:


Sequoyah Fund

Telephone: 828-359-5006


Mountain Bizworks

Telephone: 828-253-2834


Small Business Administration


Self-Help Credit Union

Telephone: 800-476-7428


Carolina Small Business Development Fund

Telephone: 919-803-1437


NC Community Development Initiative

Telephone:  919-828-5655

Check out the market research information page.

Thread Capital

Thread Capital has an online application . They are currently designing a rapid recovery loan product with no payments or interest for 6 months, $50k max. Thread is a subsidiary of the NC Rural Center. They are leading a statewide collaborative partnership of CDFIs to respond to the economic impacts on small business. Partners in our region include (as of now) Mountain Bizworks and NCIF. 


Federal Families First Coronavirus Response Act

Families First Coronavirus Response Act Summary


Families First Coronavirus Response Act Fact Sheet

Coronavirus Response Funding

EDPNC Business Relief Resources


Community Foundation of WNC 

The purpose of the Emergency and Disaster Response Fund (EDRF) is to provide funding for human service organizations in addressing basic needs that have been exacerbated by the COVID-19 pandemic. The intent of this fund is to respond to immediate/urgent needs not covered by other sources. Please note: if your organization is eligible for emergency public funding (local, state or federal), you will be asked to address that in the application. Link.

211 Resource Page

2-1-1 has compiled a comprehensive resource page related to unemployment, benefits and mortgage assistance. Link.

Unemployment Benefits:

Highlights from the press conference with Governor Cooper regarding unemployment insurance for those affected by COVID-19:

  • No one-week waiting period

  • No requirement for work search (didn’t address weekly certifications)

  • Loss of job or loss in hours are both eligible

  • Can apply remotely and do their mandatory appointment by phone or online

  • Employers are not responsible for benefits paid.

  • The state and federal level are looking at extensive relief packages for businesses.

  • NC Employer Call Center - 866-278-3822

Fair Labor Standards Act Questions and Answers

Answers to questions on fair labor standards during this time of the Coronavirus. Link

Additional Unemployment Information


Assisting Your Employees Filing for Unemployment Benefits

Employers Quick Reference Guide

Disaster Unemployment Assistance

Is your business experiencing supply chain disruptions due to the impact of COVID-19?

Find the Manufacturer or Supplier your business needs at ManufacturedNC:

  • This database of suppliers contains every kind of thing produced in NC. Whether you’re a manufacturer who wants to localize your supply chain or a business searching for packaging suppliers, you’ll find exactly what you’re looking for here.

  • If you are an N.C. manufacturer, please register your business with ManufacturedNC here. Other businesses may be looking for you!

Do you need business counseling services, including layoff aversion strategies?

Business Edge Services

919.814.0400 or Toll Free: 800.562.6333 (Choose Option 2 – Business Services)

Business Edge is a series of layoff aversion strategies and activities designed to help North Carolina employers prevent or minimize job losses. Through Business Edge, workforce partners collaborate with business leaders to assess the needs of, and options for, “at-risk” firms, and to deliver services that address those needs.

Looking for other helpful government resources?

N.C. Dept. of Health and Human Services: COVID-19 Recommendations for Businesses and Employers

Centers for Disease Control and Prevention: Interim Guidance for Businesses and Employers

Facebook Small Business Grants Program (sign up now for future assistance)

Facebook is offering $100M in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where they operate. Link.

Maintained by Jackson County TDA