COVID19 Business & Employee Assistance Programs

Yarmouth Town Seal ImageAs we weather the storm of COVID19 effects together as a community, there are many programs and options being developed to provide assistance to businesses/small businesses to manage the economic effects. 

As they become available we will continue to add them to this page dedicated to business options and employee assistance programs now and in the future. This is page is not all-inclusive of government and programmatic assistance available to businesses but we will do our best to provide all services we become aware of.

Town of Yarmouth Offers CDBG Grant Program to Help Small Businesses

The Town of Yarmouth is offering a new round of funding to assist small businesses impacted by COVID-19. The program offers short-term working capital to cover expenses such as commercial rent and mortgage, payroll, and qualifying debt service when a business does not have the resources to cover these costs.  


Program applications can be obtained online at or by contacting Mary Waygan, CDBG Program Administrator, at or 774-212-1668. This program is funded through the CARES ACT and the Town’s Community Development Block Grant (CDBG) provided annually to the Town of Yarmouth by US HUD.  Income limits and other requirements apply.

The Commonwealth of Massachusetts has made an additional $668 million available to support businesses through new and existing programs.

Massachusetts Growth Capital Corporation (MGCC) will target a portion of these funds to sectors experiencing the most significant economic hardship and a loss of revenue due to the COVID-19 pandemic.
Applications open on 12/31/20 at 12pm and are accepted through 1/15/21. For more information, please visit:

On October 22 the Baker-Polito Administration announced a $774 million comprehensive plan to stabilize and grow the Massachusetts economy.

The plan focuses on getting people back to work, supporting small businesses, fostering innovation, revitalizing downtowns and ensuring housing stability.

The Commonwealth of Massachusetts has made $50.8 million in grants available to support small businesses, microenterprises, and their employees, families, and communities.

Massachusetts Announces Tax Relief Measures for Businesses Impacted by COVID-19 (Sept 15)

Massachusetts announces two programs to assist businesses with safety training

o   The Safety Training Grant offers up to $25K in Safety Training for employees of Massachusetts businesses.

o   The OSHA Consultation Program provides FREE service to employers to assist with complying with the OSHA standards.

o   The Massachusetts Office of Business Development will host a webinar on these programs on Wednesday, August 5, 2020 at 11:00am.

On July 21st Governor Charlie Baker extended the pause on eviction and foreclosures (including for small businesses) for 60 days until October 17, 2020.

Small Business Resources

The SBA Paycheck Protection Program

This program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. For more information, please visit:  Update: The  SBA recently announced that the Paycheck Protection Program will reopen o January 11th and applications will be accepted through March 31, 2021.  

Mass Growth Capital Corporation offers application and translation assistance for the program 

SBA approved lenders participating in the program and the find a lender tool

Economic Injury Disaster Loan

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., Small Business Administration Logo imageand territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. More info on this and other businesses assistance programs can be found here:
Update: SBA is unable to accept new applications at this time for the Economic Injury Disaster Loan (EIDL)-COVID-19 related assistance program (including EIDL Advances) based on available appropriations funding. Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis. 

Agricultural Businesses Impacted by COVID-19

Agricultural businesses are now eligible for SBA’s Economic Injury Disaster Loan (EIDL) and EIDL Advance programs. **At this time, only agricultural business applications will be accepted due to limitations in funding availability and the unprecedented submission of applications already received.

SBA Express Bridge Loans enable small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. For more info, please visit:

SBA Debt Relief to small businesses. Under this relief, the SBA will automatically pay the principal and interest for six months beginning March 27th, 2020 for qualifying new and current holders of 7(a) loans, 504, and microloans. For more info, visit:

March 2020

Small Business Administration’s Administrator, Jovita Carranza, announced automatic deferments through Small Business Administration Logo imageDecember 31, 2020 for borrowers still paying back SBA loans from previous disasters. View the full press release on the SBA Newsroom page here.

SBA will be hosting virtual sessions to support small businesses 

SBA Offers Disaster Assistance to Massachusetts Small Businesses Economically Impacted by the Coronavirus (COVID-19) 

Please view the following Press Releases and information provided by the SBA to assist businesses during this crisis.
March 18 SBA News Release 278- English
March 18 SBA News Release 279- Spanish
SBA Fact Sheet - Economic Injury Disaster Loans

Pandemic Loan Relief Guide

View various options on this loan relief guide.

Other Funding

LoveLiveLocal recently established the Cape Cod Resilience Fund. This fund will issue one-time grants of $500 to $2,000 to eligible Cape Cod small businesses with 1-20 full-time year-round employees to supplement day-to-day operational expenses such as rent, staff, supplies, inventory, marketing and training. Preference will be given to year-round, community minded, brick and mortar businesses located in a downtown area. The initial round of applications are expected to open in early June 2020.

Facebook is offering $100M in cash grants and ad credits to small businesses to help during this challenging time. For more info, please visit:

The Save Small Business Fund is a grant-making initiative offering short-term relief for small employers in the United States and its territories. This program is offered by the US Chamber of Commerce Foundation and provides $5,000 grants to businesses that employ between 3 and 20 people. For more info, please visit: 

Essential vs Non-Essential Businesses

Please visit this link on Mass.Gov to understand the definitions of essential vs non-essential businesses during this Mass.Gov logo image Opens in new windowtime.

Always visit Mass.Gov directly for the latest information and programs. 

On May 18 the Baker-Polito Administration announced a comprehensive plan to safely reopen the Massachusetts economy, get people back to work, and ease social restrictions while minimizing the health impacts of COVID-19.

Additional Resources

Coronavirus Tax Relief for Businesses and Tax-Exempt Entities

US Chamber COVID-19 Small Business Guide

Commonwealth Kitchen Restaurant COVID-19 Resource Guide:

View & Print: SCORE Business Reopening Toolkit  


Yarmouth Building Department is continuing to issue permits and conduct inspections on a limited basis. For more info, visit:

Mass Growth Community Capital 

is accepting applications for their FY2021 Small Business Technical Assistance Grant Program. Visit this link for more info.

Unemployment Information

March-April 2020

**Mass Department of Unemployment Assistance will be hosting virtual town halls on applying for unemployment assistance. 

Pandemic Unemployment Assistance

Section 2102 of the newly signed CARES Act created a new temporary federal program called Pandemic Unemployment Assistance (PUA) that provides up to 39 weeks of unemployment benefits to individuals who are not eligible for other types of unemployment. The CARES Act also creates a new temporary federal program called Federal Pandemic Unemployment Assistance (FPUC) that provides an additional $600 weekly benefit to those eligible for PUA.
For more info, please visit:, Translated version: 

Mass.Gov COVID-19 Unemployment InformationMass.Gov logo image

Please visit the State COVID-19 Unemployment Information page informed on the latest related to Department of Unemployment Assistance (DUA) and COVID-19.

Click to Visit SBA Website

Small Business Logo Image