Skip to main content

Covid-19 Resources

The health and well-being of the communities we serve, our customers, employees, and retail partners, is always our top priority. As the situation involving the novel coronavirus (COVID-19) health crisis continues to unfold, we recognize the significant impact it has had on every aspect of our lives and businesses. During this challenging and unprecedented time, CBL is committed to working with you and connecting you with necessary resources. We will continue to closely monitor this rapidly-evolving situation, and update the information below as necessary.

Supporting our Tenants & Partners

The current situation surrounding COVID-19 is unprecendented with a landscape that changes on what seems like an hourly basis. As a valued partner, we remain committed to you as we work through this challenging situation together. Outlined below is a comprehensive list of resources that will be updated regularly based on new information.

Contact Us

If you are a current CBL tenant, please e-mail: Perm.Rent.Assistance@cblproperties.com. If you have questions regarding The CARES Act, please e-mail: CBLPaycheckLoan.Assistance@cblproperties.com.

Small Business Resources

Federal, state, and local governments, as well as other organizations, have acted quickly to create programs to assist small and mid-sized businesses to minimize the economic impact of this crisis. We encourage you to research these programs to determine which ones your business may be eligible for.

U.S. Small Business Administration (SBA) Coronavirus Relief Options

 In addition to traditional SBA funding programs, the CARES Act established several new temporary programs to address the COVID-19 outbreak.

Economic Injury Disaster Advance Loan

 In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan (EIDL) advance of up to $10,000. This advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application. This loan advance will not have to be repaid. Click this link to begin a COVID-19 ECONOMIC INJURY DISASTER LOAN APPLICATION.

SBA Economic Injury Disaster Loans

 SBA’s Economic Injury Disaster Loans (EIDL) offer up to $2 million in assistance per business, providing economic support to overcome the temporary loss of revenue. EIDLs may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses and 2.75% for private non-profit organizations, which are also eligible for EIDLs. Click this link to apply for SBA disaster loan assistance.

SBA Express Bridge Loans

 Enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly.

SBA Debt Relief

 The SBA is providing a financial reprieve to small businesses during the COVID-19 pandemic.

SBA Local Assistance Directory

 This SBA Local Assistance Directory can connect you to several local partners to counsel, mentor and train small businesses.

City, State Resources

Alabama Arkansas California Florida Georgia Illinois Indiana Kansas Kentucky Louisiana Maryland Michigan Minnesota Mississippi Missouri North Carolina North Dakota Ohio Pennsylvania South Carolina Tennessee Texas Utah Virginia Wisconsin Wyoming

Alabama

Huntsville

WHNT Program to Promote Your Business
Do you operate a business in the Huntsville area that has been forced to adapt your business model due to COVID-19? Are you a restaurant offering delivery or a retailer offering online/virtual styling sessions, lessons, etc. Fill out the form linked above to have your business added to WHNT’s database.

Arkansas

Quick Action Loan Program
Eligible companies may apply for a loan or a loan guaranty of up to $250,000. The Quick Action Closing Fund will prioritize small to medium-sized companies that are in the supply chain of essential goods and services. The primary use of funds will be to support small businesses with job retention. View a list of participating lenders: HERE

California

California Infrastructure and Economic Development Bank Finance Programs
The State of California is allocating $50 million to the Small Business Finance Center at California’s IBank to mitigate barriers to capital for those small businesses (1-750 employees) that may not qualify for federal funds (including businesses in low-wealth and immigrant communities). The $50 million allocation will be used to recapitalize the IBank Small Business Loan Guarantee Program.
Disaster Relief Loan Guarantee Program
This program provides guarantees for loans of up to $50,000 for small business borrowers in declared disaster areas.

Florida

Florida Small Business Emergency Bridge Loan Program
This program provides loans of up to $50,000 for small businesses affected by COVID-19. The loans are meant to serve as short-term funding that can be repaid once businesses can access alternative funding. Loans are interest-free for one year; after that, the interest rate rises to 12%. For-profit businesses with two to 50 employees are eligible to apply. Submit an application by May 8, 2020.

Georgia

Georgia Chamber COVID-19 Resource and Recovery
The GA Chamber is encouraging businesses to make fact-based decisions and stay informed on COVID-19. The Chamber has put together a list of resources and webinars to aid small businesses during this time.

Illinois

Illinois Department of Commerce & Economic Opportunity (DCEO)
The DCEO staff and Small Business Development Centers across the state of Illinois will be available to assist businesses with access available support for those impacted by the COVID-19 pandemic.
Illinois Small Business Emergency Loan Fund
The Illinois Department of Commerce and Economic Opportunity (DCEO) and the Illinois Department of Financial and Professional Regulation (IDFPR) have established the Illinois Small Business Emergency Loan Fund to offer small businesses low interest loans of up to $50,000. Small businesses outside of the City of Chicago with fewer than 50 workers and less than $3 million in revenue in 2019 can apply.
The Business Invest - Illinois Small Business COVID-19 Relief Program
This program is an impact investment loan program under which the State Treasurer has made up to $250 million in deposits available to financial institutions throughout the state, at near-zero interest rates, to assist Illinois small business and non-profits that have been negatively affected by the COVID-19 pandemic.
Downstate Small Business Stabilization Program
The Downstate Small Business Stabilization fund has been established to provide working capital funds to community businesses economically impacted by COVID-19. The program makes funds available for 60 days of verifiable working capital up to a grant ceiling of $25,000 and is available for businesses that employ 50 people or less. These funds may be used to assist private for-profit small retail and service businesses, or businesses considered non-essential by the Governor’s Executive Order without the ability for employees to work remotely.

Indiana

Indiana Small Business Development Center
The Indiana SBD is maintaining a list of loan and grant resources for small businesses throughout the state.

Kansas

Kansas City

Kansas City Source Link
KC Source Link has compiled resources to help small businesses manage their finances through the crisis. Fill out the financial assistance request form and they will help determine if you are ready to apply for financial assistance and which programs (local, state, or federal) might be the best fit.

Kentucky

Team Kentucky: Cabinet for Economic Development
Business-related COVID-19 guidance, resources and FAQs related to federal programs and legislation, statewide resources, and small business resources.

Lexington

Commerce Lexington
Commerce Lexington has developed several resources for small business owners to help them navigate this crisis, including a guide to getting small business financial assistance.

Louisiana

Louisiana Loan Portfolio Guaranty Program

Maryland

Small Business Development Centers: Maryland
The Maryland SBDC is committed to serving their clients during the COVID-19 health emergency through training and consulting services.

Michigan

Michigan Small Business Relief Program
The Michigan Small Business Relief Program grants are administered by 15 local and nonprofit economic development organizations (EDOs). Applications are now closed, but the list of local EDOs remains accessible to provide additional resources and possible future funding opportunities.

Minnesota

The Minnesota Small Business Loan Guarantee Program
This program will provide an 80% guarantee on loans of up to $200,000 to help lenders provide funding to businesses. The program is for businesses with fewer than 250 employees that are based in Minnesota.

Mississippi

Mississippi Economic Council
The State Chamber of Commerce in Mississippi has compiled a list of resources to help educate businesses on the coronavirus and available funding opportunities for those impacted.

Missouri

Small Business Grant Program
The purpose of this program is to provide grants to small businesses and family-owned farms for reimbursement of costs of business interruption caused by required closures in connection with the COVID-19 public health emergency. The Dept. is focused on impacting the hardest hit industries, which include retail trade, accommodation and food service and health care. Deadline to apply is August 31, 2020.

St. Louis

STL Partnership
STL Partnership provides small business owners with necessary resources to help during this time.
The Gateway Resilience Fund
This fund will provide short term monetary relief to employees and owners of independent bars, restaurants, and shops in the St. Louis area affected by closures and other circumstances brought about by the COVID-19 outbreak. Applications for this fund are temporarily closed, but will resume when additional funding is available, please check back.

North Carolina

NC COVID-19 Rapid Recovery lending Program
The NC COVID-19 Rapid Recovery Lending program supports North Carolina small businesses as they recover from the economic impact of COVID-19. This rapid recovery loan helps small businesses bridge the gap between when crisis strikes and when federal loans, insurance payouts, and other relief funds are approved, or businesses have time to recover. This is not a grant program and repayment is expected. Applicants must be a NC small business affected by COVID-19, have at least one (1) employee, who could be the self-employed owner. Start-up businesses that began operations before March 23, 2020 are eligible.
North Carolina Utilities Commission
This is a copy of the July 29, 2020, Order of the North Carolina Utilities Commission, modifying and extending certain utility-related matters previously set forth in Governor Cooper's Executive Orders, including Executive Order Number 124 and 142. The North Carolina Department of Health and Human Services and the North Carolina Department of Environmental Quality are working with Utility Service Providers to publicize payment assistance programs to aid customers, particularly customers qualified for the Low Income Energy Assistance Program, in the payment of their utility bills. Additionally, please be aware of other potential sources of financial support, including the North Carolina Department of Health and Human Services' Crisis Intervention Program.

North Dakota

North Dakota Opportunity Fund
The NDOF Steering Committee has approved a disaster assistance loan program for small businesses located in the consortium communities that have been adversely impacted by COVID-19. The Opportunity Fund leverages private financing to help North Dakota small businesses and manufacturers attain the loans and investments needed to expand create jobs.
The PACE Recovery program (CPRP)
The COVID-19 PACE Recovery Program assists local financial institutions in providing loans to support North Dakota Businesses in their economic recovering due to the COVID-19 pandemic.
Small Employer Loan Fund (SELF)
The Small Employer Loan Fund (SELF) assist local financial institutions and certified development corporations (CDC's) in providing loans to assist in very small North Dakota businesses in their recovery from the negative impacts caused by the COVID-19 pandemic.

Bismarck

Bismarck-Mandan Chamber of Commerce EDC
The Bismarck-Mandan Chamber has compiled a list of resources for small businesses in North Dakota.

Pennsylvania

Working Capital Access Program
This program offers loans up to $100,000 and have three-year terms with a 12-year amortization schedule. All loans have a 0% interest rate, except for agricultural producers, who will have a 2% fixed interest rate for the life of their loan. For-profit businesses in Pennsylvania with 100 or fewer full-time employees in the retail or service sectors. Businesses interested in applying will have to do so in the county their business is located in.

South Carolina

Charleston

City of Charleston Business & Neighborhood Services
The City of Charleston Business & Neighborhood Services compiled a resource list for the community to include essential resources, small business support.
Lowcountry Local First
COVID-19 resource and action center for local businesses.

Tennessee

Tennessee Department of Health Services
TDHS can provide up to two months of emergency cash assistance to families that have lost employment or at least 50% of income as a result of COVID-19.

Chattanooga

COVID-19 Mitigation Grant Program
The CHA 90-Day Stabilization Fund will create a competitive grant pool that will be used to provide relief to small businesses. Funds from this grant can be used as working capital. Businesses that had 1-4 employees as of Mar. 1 will be eligible to receive $2,000 and businesses with 5 or more employees as of Mar. 1 will be eligible to receive $5,000. Businesses must be located within the Chattanooga city limits and must not be a franchise business or affiliated with any national or regional brand.
COVID-19 Small Business Bridge Loan Program
The CHA 90-Day Stabilization Fund will create a competitive small business bridge loan initiative that will be used to provide relief to small businesses. Loan amounts will be determined with the assistance and the administration of the Southeast Tennessee Development District. Eligible businesses must have employed between 1 and 50 (full or part-time) workers as of Feb. 1, 2020, be located within the Chattanooga city limits, and must not be a franchise business or affiliated with any national or regional brand. Application deadline: June 30, 2020.

Nashville

Southern Smoke Emergency Relief Program
Southern Smoke’s program provides emergency funding to those employed by or in ownership of restaurants and bars.
United Way of Greater Nashville Response Fund
The COVID-19 Response Fund was created to assist individuals, families, and nonprofits experiencing financial hardship due to this virus.

Texas

Texas Woman’s University – AssistHer Emergency Relief Grant
The purpose of this grant is to help woman-owned businesses (at least 51% directly owned and controlled by one or more women who are U.S. citizens) sustain their businesses while under economic hardship due to COVID-19. The funds can be used for technology upgrades or other items needed to change or adapt your business model, including operating expenses (except payment of sales tax, payroll, purchase of food, penalties and fees, and charitable donations).

Utah

Utah Leads Together Small Business Bridge Loan Program
Offers loans of $5,000 to $20,000 with 0% interest rate for up to 60 months. Repayment can be deferred for up to 12 months. Small businesses in Utah with fewer than 50 employees who can show six months of estimated revenue loss or other documented loss evidence. Application deadline: April 16, 2020

Virginia

VA 30 Day Fund
Virginia-based businesses that qualify for assistance from this fund are: small businesses that employ three to 30 people and are owned and operated by a Virginia resident. The funds dispersed to small businesses by the Virginia 30 Day fund do not need to be repaid.

Roanoke

City of Roanoke COVID-19 Coronavirus Business Assistance
Resources compiled by the City of Roanoke regarding small business assistance.
Roanoke Regional Small Business Development Center
Sign up for relief assistance updates.

Wisconsin

WWBIC COVID-19 Fast Track Loan Program
This program is focused on existing businesses looking for business financing during COVID-19. Business owners have two options on their needs: a line of credit or a term loan.

Wyoming

WIDC - Frontier CDC
WIDC – Frontier CDC is an authorized provider of the CARES Act Paycheck Protection Act.

Other Resources

Supporting Our Communities

The health and well-being of the communities we serve, our customers, employees, and retail partners is always our top priority. The situation we are currently facing is unprecedented with the landscape continuously evolving. The role we play in our communities as a provider of employment, goods, services and commerce is an important one. Our properties have reopened with the following health safety measures in place.

General Information

For the most up-to-date information on COVID-19, its spread in the United States, and recommended practices to protect against the virus, we recommend you visit the Centers for Disease Control and prevention (CDC) or the World Health organization (WHO) websites:
The information provided herein is intended for general information purposes only and is not intended to provide leagl or tax advice on any matter. Due to the rapid changes in Federal, State, and local regulations and guidelines, CBL does not make any representations or warranties as to the completeness or accuracy of any of the information contained herein or on any of the provided links. Pelase consult with your legal and tax advisors with respect to your specific facts and circumstances before taking any action.