Culpeper Cares COVID-19 Resources

Here are the resources available on this page. Please note, these programs are changing quickly. We will be updating this page every 36-48 hours.

  1. Small Business Administration Resources
    • Economic Injury Disaster Loans
    • SBA Debt Relief
    • SBA Express Bridge Loans
  2. People, Inc. COVID-19 Forgivable Small Business Loans
  3. Lowe's–LISC Small Business Grant
  4. VA 30 Day Fund
  5. eBay Launches “Up & Running” eCommerce Small Business Support
  6. Federal Refundable Payroll Tax Credits
  7. Additional Resources
  8. Affected Workers, Unemployment Insurance and Filing for Unemployment

Small Business Administration

Payroll Protection Program and Economic Injury Disaster Loans

Notice: As of April 27, 2020 the Small Business Administration has reopened. Apply for Disaster Loan Assistance:

  • The SBA has processed more than 14 years’ worth of loans in less than 14 days. The Paycheck Protection Program is saving millions of jobs and helping America’s small businesses make it through this challenging time. The EIDL program is also providing much-needed relief to sustain businesses and their employees.
  • By law, the SBA will not be able to issue new loan approvals once the programs experience a lapse in appropriations.
  • SBA and Treasury urge Congress to appropriate additional funds for the Paycheck Protection Program—a critical and overwhelmingly bipartisan program—at which point we will once again be able to process loan applications, issue loan numbers, and protect millions more paychecks.
  • The high demand we have seen underscores the need for hardworking Americans to have access to relief as soon as possible. We want every eligible small business to participate and get the resources they need.
  • Due to limited appropriations funding, the application portal for the EIDL–COVID-19 assistance program (EIDL loans and EIDL Advances) is accepting applications for Agricultural Businesses only as of May 4, 2020. Apply for an Agricultural Business EIDL Loan.
  • Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis.
  • SBA is processing EIDL applications as quickly as possible. SBA will provide those whose applications are approved with loans that will cover the business’s short-term working capital needs.
  • This is in addition to the EIDL Advance that small businesses and non-profits are eligible to receive as a result of the CARES Act.

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.

Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.


  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the EIDL loan

SBA Debt Relief

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


As part of SBA's debt relief efforts,

  • The SBA will automatically pay the principal, interest, and fees of current 7(a), 504, and microloans for a period of six months.
  • The SBA will also automatically pay the principal, interest, and fees of new 7(a), 504, and microloans issued prior to September 27, 2020.
Additional Debt Relief

For current SBA Serviced Disaster (Home and Business) Loans: If your disaster loan was in “regular servicing” status on March 1, 2020, the SBA is providing automatic deferments through December 31, 2020.

What does an “automatic deferral” mean to borrowers?

  • Interest will continue to accrue on the loan.
  • 1201 monthly payment notices will continue to be mailed out which will reflect the loan is deferred and no payment is due.
  • The deferment will NOT cancel any established Preauthorized Debit (PAD) or recurring payments on your loan. Borrowers that have established a PAD through Pay.Gov or an OnLine Bill Pay Service are responsible for canceling these recurring payments. Borrowers that had SBA establish a PAD through will have to contact their SBA servicing office to cancel the PAD.
  • Borrowers preferring to continue making regular payments during the deferment period may continue remitting payments during the deferment period. SBA will apply those payments normally as if there was no deferment.
  • After this automatic deferment period, borrowers will be required to resume making regular principal and interest payments. Borrowers that cancelled recurring payments will need to reestablish the recurring payment.

People Inc. COVID-19 Forgivable Small Business Loans

U.S. Small Business Administration micro loans are now available to small businesses affected by the COVID-19 pandemic in Northern Piedmont.

How does it work?
The SBA will make all payments - including principal, interest and fees - for six months following the closing date on any loan closed between March 27, 2020 and September 27, 2020. Microloans may be offered for any amount starting at $500 up to $50,000. They may be for terms from six months to six years. COVID-19 forgivable small business loans are available in all 16 Virginia counties and cities People Inc. serves.

Apply Now: 833-437-0114

Qualifying individuals must reside in Culpeper County, Fauquier County or Rappahannock County.

Lowe's–LISC Small Business Grant

The Lowe's–LISC Partnership is offering grants to small business owners to help meet their most immediate needs. Eligible expenses include:

  • Paying rent and utilities.
  • Meeting payroll.
  • Paying outstanding debt to vendors.
  • Upgrading technology infrastructure.
  • Other immediate operational costs.

Round 4 application period is now open. All applications must be submitted by Wednesday, June 17th at 11:59 PM ET.

Apply here.

Who is eligible?
We will support small businesses and enterprises affected by the COVID-19 pandemic across the country, especially those businesses in underserved communities owned and led by minorities and women – all groups who often lack access to flexible, affordable capital. Applications will be reviewed based on criteria designed to prioritize particularly challenged businesses, and the final grantees will be randomly selected from the top scoring applicants.

VA 30 Day Fund

The nonprofit Virginia 30 Day Fund was launched by Virginia technology entrepreneur Pete Snyder and his wife, Burson. Working with other business leaders throughout the Commonwealth, the Fund’s goal is to help save as many Virginia jobs as possible while small businesses await recently approved federal funding.

Virginia businesses that qualify for assistance from the Fund are:

  • Small businesses that employ three to 30 people.
  • Based in Virginia and have been operating for at least one year.
  • 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. If businesses who receive the Fund’s assistance do, at a later date, wish to “pay it forward” to another Virginia small business in need of assistance, they may do so by directing those dollars back to the Fund, which will disburse the funding to another Virginia business in need.

Apply NOW

eBay “Up & Running” program

With a new accelerator program that waives selling fees, eBay pledges up to $100 million in support of small business over the next three months.

As a result of the coronavirus pandemic, brick-and-mortar retailers are closing their physical doors, and economic data shows that half have only enough cash to survive for 27 days without new money coming in. In light of this situation, people everywhere are searching for ways to support the businesses in their community and beyond. Today, eBay is launching “Up & Running,” an accelerator program specifically designed to help retailers without an e-commerce presence transition to selling online, pledging up to $100 million in support for small businesses across North America.

Up & Running on eBay

Through the program, eBay will give new businesses a free basic eBay store for three months - offering access to the marketplace’s 180+ million buyers around the world. With the new online storefront, eBay will waive selling fees for these new businesses, and allow them to sell up to 500 items for free. New eBay sellers will also receive the guidance and resources they need to run their business on eBay - including a suite of exclusive marketing and merchandising tools, customization features to build a brand, discounted shipping supplies and more.

Open your eBay Store


Federal Refundable Payroll Tax Credits

The Deparments of Labor and Treasury, and the IRS announced refundable payroll tax credits designed to reimburse small and mid-size businesses for the cost of providing Coronavirus-related family and medical leave and sick leave to their employees. Click here to see the Press Release and details.

Additional Resources

Federal Resources

State Resources

Local Resources

Unemployment Insurance Program | Support for Affected Workers

Announcement: Virginia announces changes in the unemployment insurance program as a result of the Federal CARES Act - Virginia Employment Commission – April 7, 2020

  • Affected workers, like the self-employed, who are not eligible under traditional unemployment insurance may be eligible under a brand new federal program called Pandemic Unemployment Assistance (PUA). - Source
  • If you know a business owner that is being effected by COVID19 they should file an initial unemployment claim! A video outlining how to file online can be found here
  • For more information or to speak with the Virginia Small Business Development Center about the details of these packages, please visit their website
    • No waiting for unemployment benefits. Governor Northam has directed the Commissioner of the Virginia Employment Commission to waive the one-week waiting period to ensure workers can receive benefits as soon as possible.
  • Enhanced eligibility for unemployment. Workers may be eligible to receive unemployment benefits if an employer needs to temporarily slow or cease operations due to COVID-19. If a worker has been issued a notice to self-quarantine by a medical or public health official and is not receiving paid sick or medical leave from their employer, they may be eligible to receive unemployment benefits. In addition, a worker may be eligible for unemployment benefits if they must stay home to care for an ill family member and are not receiving paid family medical leave from their employer.
  • Fewer restrictions. For individuals receiving unemployment insurance, Governor Northam is directing the Virginia Employment Commission to give affected workers special consideration on deadlines, mandatory re-employment appointments, and work search requirements.

The Office of the Governor is providing a Frequently Asked Questions guide for workers that have been temporarily laid off or discharged during this public health crisis.

Filing for Unemployment – Virginia Career Works

Virginia Career Works New River | Mount Rogers Region recorded a Community Awareness Podcast focused on How to File for Unemployment During the COVID-19 Pandemic. Please click below to listen. Note, the unemployment podcast is episode 27, you may need to scroll down to find it.

Listen to the Podcast