UPDATED: April 27, 2021
As a small business, we’ve been keeping a close eye on local and national resources, grants, funds, assistance programs, and loans as they come available. We’ve aggregated the list below and will continue to update it as more options are introduced. If you’re aware of any other programs, let us know! If you’re looking for our COVID-19 Epidemic Response page with options for rent and other assistance from us, please click here.
For more resources for artists, check out the Kranzberg Arts Foundation’s extensive list of relief options.
For emergency resources for individuals and families, including COVID-19 testing sites, utility aid, mental & general health assistance, food programs & pantries, and public housing assistance, check out the Start Here Area Resource Directory and the City of St. Louis’ resource guide. For business resources and information, including recovery initiatives, explore the St. Louis Regional Chamber’s COVID-19 information center and Show Me Strong’s recovery plan & resources for businesses.
The American Rescue Plan Act established the Restaurant Revitalization Fund (RRF) to provide funding to help restaurants and other eligible businesses keep their doors open. This program will provide restaurants with funding equal to their pandemic-related revenue loss up to $10 million per business and no more than $5 million per physical location.
The U.S. Economic Development Administration (EDA) has awarded CARES Act funds to the St. Louis Economic Development Partnership and The St. Louis Local Development Company to make loans to businesses that have been negatively affected by COVID-19 or that are providing goods or services addressing problems caused by the pandemic. Eligible applicants include for-profit businesses in St. Louis City or County; loan amounts range from $10,000 to $150,000 with interest rates starting at 2%.
The Paycheck Protection Program (PPP) now allows certain eligible borrowers that previously received a PPP loan to apply for a Second Draw PPP Loan with the same general loan terms as their First Draw PPP Loan. Second Draw PPP Loans can be used to help fund payroll costs, including benefits. Funds can also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations.
This fund is a charitable fundraising effort in St. Louis aimed to help local restaurants and caterers struggling during the pandemic with a focus on feeding and supporting those who are suffering from food insecurities in our community. Eligible restaurants and/or caterers will receive grants in exchange for the preparation of healthy and delicious meals, to be delivered to participating nonprofits and then distributed to neighbors in need.
DGF provides emergency financial assistance to individual playwrights, composers, lyricists, and librettists in dire need of funds due to severe hardship or unexpected illness. Similar funds have been set up for musicians/composers, novelists/nonfiction/fiction writers, screenwriters, actor/performance artists, and directors.
Small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan 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 following a successful application. This loan advance will not have to be repaid.
The Missouri Emergency Rental Arrears Program (ERAP) provides financial support for landlords and renters who are struggling due to the COVID-19 emergency in the State of Missouri. The program will reimburse landlords for past due rent payments (rental arrears) for the period beginning April 1, 2020. Applications must be completed and submitted by landlords in collaboration with their tenant. A one-time payment of up to six (6) months of rental arrears will be made to the landlord on the tenant’s behalf. Landlords must sign a guarantee of non-eviction of the tenant listed in the application for non-payment of rent for 120 days from the date of the rental arrears application submission, as well as waive any late fees, penalties, or outstanding rent as of the date of application submission.
The Neighborhood Solidarity Fund seeks to expedite the recovery period in these areas by bolstering the human, organizational and economic infrastructure at the neighborhood level and includes three separate opportunities: the Neighborhood Innovations in Connectivity grant, the Community Development Corporations (CDC) Stability grant and the Neighborhood Small Business Lift grant.
The St. Louis Economic Development Partnership, the St. Louis Development Corporation, and a coalition of 10 St. Louis banks are offering a zero-loan program for small businesses in the City of St. Louis and St. Louis County. Businesses are eligible to apply for loans of up to $5,000 for working capital. Any for-profit business in the city of St. Louis or St. Louis County that has sustained economic damage due to the COVID-19 crisis may apply.
The purpose of the Small Business Grant 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 Department is focused on impacting the hardest-hit industries, which include retail trade, accommodation and food service and health care, in addition to family-owned farms. Other industries may apply September 1, 2020 if there are funds available.
The City has allocated $5.4 million dollars of its CARES Act funding to assist City residents with their rental & mortgage payments. The Department of Human Services in collaboration with the Affordable Housing Commission and various housing organizations have established a rental and mortgage assistance program to help residents who are experiencing financial hardship during the COVID-19 pandemic.
The Paycheck Protection 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.
Through the Restaurant Employee Relief Fund, we will provide grants to restaurant industry employees who have been adversely impacted by COVID-19 financially, whether through a decrease in wages or loss of employment that results in a lack of resources to pay for essential expenses.
The Regional Response Fund will be used to direct resources to regional nonprofits that are working with local communities disproportionately affected by the Coronavirus crisis and its economic fallout including children, the elderly, and the isolated.
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. The Gateway Resilience Fund makes grants to support employees, essential contractors, and owners of small businesses in the St. Louis region who are experiencing a financial burden due to a disaster or other extreme situation.
At Ameren Missouri, we know small businesses and nonprofits are the backbone of communities across Missouri, and some may have experienced financial hardships caused by COVID-19. That’s why we created the Ameren Missouri COVID-19 Small Business Relief Program in partnership with the United Way. Starting July 6, the program will provide $500,000 in energy assistance to support eligible small business customers.
The Luminary, in partnership with the Andy Warhol Foundation for the Visual Arts, is offering immediate artist emergency grants totaling $60,000 for artists and arts organizers in the St. Louis region. Building from our Futures Fund regranting initiative, we are diverting funds for 2020 to support the direct needs of those in our community most impacted by COVID-19.
The City of St. Louis Small Business Grant Fund is established to assist small businesses that have been severely impacted by COVID-19 and Stay at Home Orders. All grants are subject to the approval of the CARES Act budget by the Board of Aldermen. All businesses with a physical presence in the city are eligible subject to the program requirements.
Organized by the Sam Fox School and the Pulitzer Arts Foundation, A Sustaining Arts Practice Fund (ASAP Fund) will be distributing fifty $2,000 grants to practicing artists, architects, and designers who face significant financial hardship in the form of lost work, projects, and opportunities due to the COVID-19 pandemic. Lost work may include cancelled teaching opportunities, commissions, talks, performances, contracts, and exhibitions, among others. Funds are unrestricted and may be used for a range of costs at the discretion of the recipient.
Cherokee Street, with more than 150 locally-owned small businesses, has been particularly devastated by our current health crisis and its associated economic fallout. All contributions to this fund will help provide short term relief to employees and owners of the restaurants, bars, and shops on Cherokee Street who are out of work due to the coronavirus pandemic.
Funded by corporate and philanthropic partners, the Save Small Business Fund is a collective effort to provide $5,000 grants to as many small employers as we can. We hope these supplemental funds will help you get through the next days and weeks. To qualify, you must: 1) employ between 3 and 20 people, 2) be located in an economically vulnerable community, and 3) have been harmed financially by the COVID-19 pandemic.
The Regional Arts Commission of St. Louis Artist Relief Fund will award grants of $500 or $1,000 to working artists who live in St. Louis City or St. Louis County whose immediate creative practices and incomes are being adversely impacted by the COVID-19 crisis.
The St. Louis Community Foundation and Gladitood, a hometown digital fundraising start-up, have enlisted local St. Louis celebrities, including Jon Hamm and Joe Buck, to raise money for a new COVID-19 Regional Response Fund. An Advisory Council, comprised of members of public health, government, and the community, will oversee the distribution of funds to make the broadest impact.