Note: This post was updated at 12:48 p.m. ET on June 5 and will be continually updated as additional resources become available.

Business owners are reeling as the Covid-19 disruptions to daily life hit an increasing number of locales. Governments are scrambling to marshal resources to offer assistance to those taking a hit.

Here's a rundown of programs available as of Friday, June 5.

Federal government

President Trump on Friday, June 5, signed the Paycheck Protection Program Flexibility Act, which makes crucial changes to the Paycheck Protection Program, the now-$669 billion forgivable loan program. The bill eliminates the requirement that employers spend 75 percent of their PPP funds on payroll costs -- lowering it to 60 percent -- and extends the deadline to apply for and use a PPP loan to December 31, 2020, from June 30, 2020.

Trump signed a $484 billion coronavirus relief bill into law on Friday, April 24. The legislation added an additional $320 billion in funding to the Paycheck Protection Program (PPP), which provides government-guaranteed loans to small businesses, and adds $10 billion to the Economic Injury Disaster Loan (EIDL) program. 

On March 27, President Trump signed an unprecedented $2.2 trillion economic stimulus bill into law. The package includes hundreds of billions of dollars in loans to both small businesses and large companies, as well as direct payments of up to $1,200 for individuals. The package also includes enhanced jobless aid that for the first time would also apply to freelancers and gig economy workers. 

Related: 

Treasury secretary Steven Mnuchin announced on March 20 that Tax Day is being delayed from April 15 to July 15, giving taxpayers and businesses extra time to file their taxes without interest or penalties.

President Trump signed a coronavirus relief package into law on March 18 that provides paid leave benefits and additional unemployment benefits for U.S. workers. The package, which will take effect by April 2, includes new federal employee-benefit mandates and offers these provisions for employers:

  • Tax credits for businesses with fewer than 500 employees to cover:​​
    • Two weeks of paid sick leave for employees who have been quarantined, have a sick family member, or have been affected by school closings.
    • Up to three months of paid family and medical leave amounting to no less than two-thirds of regular pay for those employees listed above.
  • The option for the Labor Department to exempt businesses with fewer than 50 employees from abiding by the paid leave mandate, if the Labor Department decides the new law could pose an existential threat to the company.

Mnuchin announced March 17 that the IRS will defer $300 billion worth of tax payments for individuals and businesses. Corporations can defer up to $10 million of payments owed to the IRS, interest-free, for 90 days, while individuals can defer up to $1 million.

Recently, the president signed a bill that allows the SBA to issue an estimated $7 billion in low-interest loans. The SBA announced on March 12 that small businesses with financial burdens caused by the pandemic that don't have credit available elsewhere can be eligible for loans of up to $2 million with a 3.75 percent interest rate (2.75 percent for nonprofits). As of March 21, businesses in all 50 states and U.S. territories can apply here. For more information, you can contact the SBA disaster assistance customer service center at 1-800-659-2955 or disastercustomerservice@sba.gov.

The International Franchise Association--the trade organization for franchisers, franchisees, and suppliers--has requested $300 billion in SBA lending authority for the creation of a small-business workforce stabilization fund and relief for business interruption insurance.

Related: 

California

California governor Gavin Newsom has delayed the deadline for California's small businesses to file their state tax returns to July 1. The extension applies to companies filing tax returns of less than $1 million.

San Francisco

San Francisco's Office of Economic and Workforce Development's small-business grant program has already closed, but, according to the website, it could be reopened pending additional funds. Businesses suffering from the coronavirus pandemic can still apply for the city's disaster relief fund. For the most up-to-date information, check out the OEWD's guide for businesses and workers impacted by the outbreak

Mayor London Breed has declared a state of emergency and announced that the city will allow:

  • Deferments on first quarter 2020 tax payments until February 2021 for small businesses with up to $10 million in annual sales; and
  • Delayed collection of the city's Unified License bill for at least three months, which includes fees for restaurants, food trucks, bakeries, and other small businesses.

Mayor Breed's Employee Assistance Program, unveiled March 13, includes:

  • Paid sick leave for all workers, including temporary and part-time employees;
  • Unemployment insurance for workers whose employers have reduced their hours or shut down operations (available through the California Employment Development Department);
  • Disability insurance for workers who are certified by a medical professional as having been exposed to Covid-19; and
  • Up to six weeks of benefit payments for employees who are unable to work because they're caring for an ill or quarantined family member.

The OEWD tells Inc. that the city is seeking relief from both state and federal governments for employment benefits including unemployment, sick leave, and disability. It has also been in communication with private-sector financial partners and philanthropic organizations about providing credit, lending flexibility, and direct financial support to affected businesses.

The OEWD has created a guide for businesses and workers impacted by the outbreak. Find out more: San Francisco financial aid.

Facebook created a Small Business Grants Program that will provide $100 million in cash and ad credits to 30,000 businesses in the 30 countries where Facebook operates.

GoFundMe, the social fundraising platform, has launched the Small Business Relief Initiative, partnering with Yelp to provide small-business owners with grants and resources. GoFundMe and Yelp have each donated $500,000 to the Small Business Relief Fund, which is open for anyone to make a donation. There will also be $500 matching grants to qualifying businesses that raise at least $500 on GoFundMe.

San Jose

The San Jose City Council approved a moratorium on evictions of renters, including small businesses, who can't afford to pay their leases, and approved the creation of a pool of public funds for renters and small businesses that need assistance with rent payments.

Florida

Florida governor Ron DeSantis activated the Florida Small Business Emergency Bridge Loan Program, which provides short-term, interest-free loans to small businesses that have experienced economic injury from Covid-19. The application period runs through May 8, 2020. Small-business owners with two to 100 employees located in Florida affected by Covid-19 can apply for short-term loans of up to $50,000. These loans are interest-free for one year.

Kansas

GO Topeka, part of the economic development agency Greater Topeka Partnership, has created the HOST Relief Program to provide up to $2 million in economic stimulus for businesses and workers affected by Covid-19. A small-business emergency resource fund developed by private-sector leaders, the program will provide both private-sector dollars to Shawnee County small businesses through purchases and public-sector dollars through emergency grants.

Louisiana

On March 16, the New Orleans Business Alliance (Nolaba) announced a relief fund for gig economy workers who have experienced a loss of income because of Covid-19. Nolaba committed $100,000 to initiate the fund, which had reached $335,000 as of March 24.

On March 26, TruFund Financial Services, a New Orleans-based community development financial institution, announced the launch of a Small Business Covid-19 Response Task Force. The program provides virtual information sessions and virtual small-business resiliency training and disaster response efforts to help support small businesses through the Covid-19 pandemic.

Maryland

On March 23, Maryland governor Larry Hogan announced a $175 million relief package to assist employees, small businesses, and nonprofit organizations affected by the coronavirus pandemic. While the Emergency Relief Grant Fund applications are now closed, the Emergency Relief Manufacturing Fund opportunity is still open. This grant program provides up to $100,000 in assistance to produce Critical Needs Items in the state. Find the most up-to-date information here.

The Rockville, Maryland-based education company  Lurn has created an emergency relief fund to provide grants, ranging from $50 to $500, to entrepreneurs and small-business owners who need help getting groceries, medicine, transportation, and other necessities. The first round of applications has closed, but Lurn is fundraising for a second round and will disburse awards again when it reaches $30,000.

New York

Governor Andrew Cuomo announced on March 13 that the state would waive the usual seven-day waiting period for collecting unemployment insurance for workers laid off as a result of coronavirus. New York City businesses of up to 100 employees that can document a drop in sales of 25 percent or more in recent weeks may be eligible for zero-interest loans of up to $75,000. Learn more here. The NYC Small Business Continuity Fund, which provided cash grants for businesses with fewer than five employees, is no longer open. 

Related:

Washington

According to governor Jay Inslee's office, the state is working to compile a list of local bankers, financial associations, telecoms, utilities, and major employers that may be able to provide:

  • Favorable credit terms for businesses that encounter cash-flow problems;
  • Debt and late-penalty forgiveness for workers; and
  • Deferred bills, waived fees, and no-interest loans.

Meanwhile, the office of Seattle mayor Jenny Durkan announced it will make $1.5 million in grants available to small businesses affected by the outbreak. Those applications are now closed, but Amazon's grants for Seattle-area businesses--with fewer than 50 employees, under $7 million in revenue, and brick-and-mortar locations--are still open. The company has allocated $5 million to the effort.

Mayor Durkan's office also announced it will defer business and occupation (B&O) tax collections for businesses that have annual taxable income of $5 million or less and that pay city taxes quarterly. Seattle utilities will not be shut off for customers who have been financially impacted by Covid-19.