Financial Assistance

Frederick County Business Financial Tool


COVID 19 relief funding from the Federal government is a very dynamic and continuously updating resource.  The program information is accurate for programs that have been announced and the links to applications and programs are valid.  Because of the tremendous demand for funding under the programs, actual  loan and grant funds are subject to the availability of resources of the SBA.  Future cash funding of the SBA programs is subject to ongoing actions of the US Government.

This is a Community project put together with information from local leaders, TechFrederick, & Frederick County OED

Maryland Business Relief Wizard


The Maryland Business Relief Wizard is a tool that helps connect businesses with the resources and programming for which they’re eligible, streamlining the process of finding support.

Jump Start Frederick County Business Grants

Grant Applications will be OPEN 7:00am on May 28, 2020 and will CLOSE 11:59pm on June 5, 2020.​

Jump Start Business Grants are designed to provide financial assistance to Frederick County for-profit businesses and nonprofit organizations, full-time farmers and Sole Proprietors (with commercial space) that have experienced significant financial loss caused directly or indirectly by the COVID 19 public health emergency. Eligible uses include expenditures related to reimburse for the costs of business interruption caused by the required business closures due to COVID 19. Currently these grants have a total of $5M to be awarded.

Three (3) grants opportunities:

Full-Time Farmer Grants

$6,000 to qualifying full-time farmers. Full-time farmers who have earned the majority of their gross income (51% or greater) from farming over the past 2 years qualify.

Small Business Grants

$10,000 for businesses with physical commercial space and with 10-50 employees, full or part-time. Businesses can be for-profit or nonprofit.

Micro Business Grants

$3,300 for businesses with 1-9 employees, including business owner. Employees can be W-2 or 1099 employees of a for-profit or nonprofit business, including sole proprietors. Micro Businesses must have physical commercial space to qualify.

The deadline to submit an application is 11:59 pm on June 5, 2020. Please note that while financial information will be kept confidential, the names of businesses receiving grants, and the amount they receive, are public information.

For questions regarding the Jump Start grants, please review the instructions and read the Frequently Asked Questions. If you need further assistance, email

SDAT's new online capabilities with regard to Good Standing status:

The Department has created a new Good Standing Checklist for business owners to proactively determine whether or not their business is in Good Standing with SDAT, and instruct them how to correct any deficiencies. SDAT strongly encourages all business owners to confirm now whether or not their business is in Good Standing by looking it up on SDAT’s free on-line search. The Department also encourages business owners to sign up to receive updates and timely email reminders to file these important documents.  

Paycheck Protection Program

An SBA loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.

Payroll Protection Plan Updated FAQs: Updated FAQs (as of May 3rd) from the U.S. Treasury.

U.S. Chamber Guidance on PPP Forgiveness:

Step-by- step guidelines designed to help borrowers understand the process by which their loan forgiveness amount will be calculated and the overall approach of the loan forgiveness process.

Emmitsburg Small Business Micro Grant

MAY 19, 2020: The Town of Emmitsburg recognizes the struggles and challenges our small businesses are facing during this disruptive pandemic.  In response to this disaster, Mayor Briggs and the Board of Commissioners are announcing a COVID-19 Emergency Micro-Grant.  This micro-grant has been created to support existing businesses with a total funding of $30,000 for the emergency funding program.  The Town will award a onetime grant with no repayment due to those who have been impacted by the COVID-19 restrictions placed on businesses, meet the criteria, and are within the town limits.  The C-19 Emergency Micro grant will open today May 19,2019.  Based upon the number of applications received, the $30,000 will be distributed evenly to all eligible businesses that meet the criteria, not to exceed $1,000.  Nonprofits, churches, banks/financial institutions, investment, real-estate entities, chains/franchises, and government agencies are not eligible to apply. 

All applications received will be evaluated based on the mandated criteria and supporting documentation.  Applications must be emailed to me at  If you cannot email the application, please mail it to the Town of Emmitsburg, 300A South Seton Avenue, Emmitsburg, MD 21727 and call the Town Office at 301-600-6300 once you have mailed the documents. Applications must be received by June 2, 2020 at 2:30 PM.
Small Business Micro Grant Letter
Small business Micro Grant Checklist
Small Business Micro Grant Application

Employee Retention Tax Credit:

This refundable tax credit is also available to companies that are not participating in the PPP.  More information here

Economic Injury Disaster Loan – Open Again for Ag Businesses Only

Check the Status of Your Maryland COVID-19 Loan/Grant

All businesses that have submitted an application for the Maryland Small Business COVID-19 Emergency Relief Loan/Grant can now check the status of that application by signing up for a Maryland OneStop account through the Maryland OneStop Portal.

Please be sure to use the same email address that was used in your original application. This does not offer updates on federal loan applications.

U.S. Chamber of Commerce Foundation – Save Small Business Fund

The U.S. Chamber of Commerce Foundation announced that they will be awarding $5,000 grants through the Save Small Business Fund. Applicants must have between 3 and 20 employees and be located in an economically vulnerable community which can be easily searched by zip code on their website.  Applications open April 20th.  Learn all the details here.

The Ogden Newspapers Community Marketing Grant

Ogden Newspapers has established a $1,000,000 grant fund to assist locally owned businesses with marketing during this challenging situation.

MARBIDCO Pandemic Adjustment Loan Fund Program  

Eligible farms and rural businesses can apply for loans up to $3,000 in working capital and up to $10,000 for equipment purchases at low interest rates with flexible terms.

City of Brunswick Small Business Sustainability Micro-Grant

The City of Brunswick, Maryland Economic Development Commission has created a micro-grant program to support existing businesses impacted from the COVID-19 outbreak.  No match component is required of businesses. This micro-grant is a one-time award of $1,000.00 with no repayment due. The City has allocated $30,000 in total funding for this program. At this time, nonprofits, churches, home-based businesses, banks/ financial institutions, investment real-estate entities, food trucks, and government agencies may not apply.

Town of Thurmont C-19 Micro Grant to Thurmont Businesses

The Town of Thurmont recognizes the struggles and challenges our small businesses are facing during this disruptive pandemic. In response to this disaster, the Town of Thurmont is announcing a C-19 Emergency Micro-Grant. This micro-grant has been created to support existing businesses with total funding of $30,000 for the emergency funding program. The Town will award a onetime grant with no repayment due to those who have been impacted by the COVID-19 restrictions placed on businesses, and meet the criteria and are within the town limits. The C-19 Emergency Micro Grant will open Monday, May 4, 2020. Based upon the number of applications received, the $30,000 will be distributed evenly to all eligible businesses that meet the criteria, not to exceed $1,000.  Nonprofits, churches, banks/ financial institutions, investment, real-estate entities, chains/franchisees, and government agencies are not eligible to apply.
Please click here for the Criteria: Criteria
Please click here for the Application: Application

MSAC Opens Emergency Grants for Arts Organizations and Independent Artists

In response to the COVID-19 State of Emergency, the Maryland State Arts Council (MSAC) has created special grant opportunities that provide emergency funding to arts organizations and artists in Maryland as they adjust to losses sustained because of programming, operations, and events that have been modified or cancelled. Read more here.

COVID-19 Emergency Relief Grants – Phase III funding available

The Frederick County COVID-19 Philanthropic Funders Collaborative, including Ausherman Family Foundation, The Community Foundation of Frederick County, Delaplaine Foundation, Helen J. Serini Foundation, Kahlert Foundation, The Mark and Susan Butt Saturday Mornings Fund, United Way of Frederick County, Our Heavenly Cause Foundation, William Cross Foundation, and Women’s Giving Circle of Frederick County and others, continues to accept applications from nonprofits to assist them with expanding and maintaining programming affected by the pandemic. 

This collaboration among funders and donors has been making funding decisions regularly since March and additional funding will be determined on a rolling basis over the next month.  Applications will be accepted through Monday, June 8, 2020 11:59pm.  Funding is available to support health and human service, animal welfare, historic preservation, or arts organizations as well as other areas with broad community impact.

Nonprofits may submit more than one grant application and may update their prior applications as their situations change during this very fluid situation.  Please note that the funders are interested in emergency funding to cover costs associated with an increase in services because of the pandemic and/or a loss in revenue because of changing funding streams or shutdown. Please, no applications asking for general operating expenses that are not connected to the situation caused by the pandemic.

The grant application can be found at

Non-Profit Relief: Common Application for COVID-19 Emergency Relief Campaign 

The COVID Collaborative is administering a common grant application to support local eligible organizations impacted by COVID-19. COVID Collaborative includes The Community Foundation of Frederick County, the Ausherman Family Foundation, Delaplaine Foundation, Inc., Helen J. Serini Foundation, the Women’s Giving Circle of Frederick County, and the United Way of Frederick County. Organizations can use this application to apply for emergency grants to support increases to demands in services and/or grants to support general operating expenses when revenues have been impacted by COVID-19-related closures. Applications will be collected by the Community Foundation and evaluated for funding by the above named funders.

The application can be found here.

American Farmland Trust - Farmer Relief Fund

AFT’s Farmer Relief Fund will award farmers with cash grants of up to $1,000 each to help them weather the current storm of market disruptions caused by the coronavirus crisis.

Maryland Restaurant Relief Fund

Up to $2,500 in grants to as many qualifying grantees as possible to help support the Maryland restaurant industry in need of financial assistance during this time.