Financial Assistance

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.

Frederick County COVID-19 Business Grants Distribution

Frederick County has awarded more than $11.9M through over 1,975 grants. To see a breakdown of how business grants were distributed click here.

For the most up to date information on Frederick County grants, please sign up to receive notifications.

Shuttered Venue Operator Grant & Restaurant Revitalization Fund: If any businesses are planning on seeking funding through either the Shuttered Venue Operator Grant or through the Restaurant Revitalization Fund they will need to be registered in SAM prior to applying. The steps to apply with SAM are below:

  • First, you will need to establish a User Account with the Government.  This can be done on the website:   The process is very easy.
  • Second you will need to sign up for a DUNS number.  This can be done on a website:  (A DUNS number is a nine-digit number used to register a business with the Federal Government for Contracts or Grants.  Since the RRF is a grant, this will be a requirement.  It could take a day or two to obtain this number so I would recommend applying for this number right away.
  • Third, use your user account and your DUNS number to register with SAM stands for System for Awards Management which is used by the Federal Government.   
  • WARNING: Beware of scams when registering with SAM, you do not need to pay anything to complete your registration.

Economic Injury Disaster Loan: The SBA is increasing the maximum amount of EIDL funding a business can get from six months of working capital capped at $150,000 to 24 months of working capital capped at $500,000.

Businesses that receive a loan subject to the current limits do not need to submit a request for an increase at this time.  SBA will reach out directly via email and provide more details about how businesses can request an increase closer to the April 6 implementation date.  Any new loan applications and any loans in process when the new loan limits are implemented will automatically be considered for loans covering 24 months of economic injury up to a maximum of $500,000.

Paycheck Protection Program: The Paycheck Protection Program has been extended until May 31. Most lenders are reopening their applications today if they have not done so already.

Maryland Department of Commerce Grant: The Commerce Department will be running a number of different grant programs in the coming weeks. The first, the COVID-19 RELIEF Grant Program is set to open (3/30/21) at 9:00 AM and the grant program is first come first serve so it is very important that applications be submitted as quickly as possible. 

For more information on any of these programs contact Grier Melick, SBDC’s Frederick County Business Consultant at


Targeted EIDL Advance Mapping Tool:

A new mapping tool is available to assist businesses in determining if they are located in an eligible area to qualify for a Targeted EIDL Advance.  Learn more here and visit the updated FAQs for more information. 

Emergency Grant Applications Now Open!

With the passage of the RELIEF Act of 2021 by the Maryland General Assembly, MSAC will distribute $5 million through its Emergency Grant Program. Created in March 2020 in response to the COVID-19 State of Emergency, Emergency Grants provide funding to arts organizations and artists for losses sustained because of programming, operations, and events that have been modified or cancelled. 

Fraud Alert from SBA:

Bad actors are sending phishing emails posing as SBA, World Trade Finance company, and various companies. They are asking business owners to apply for a Paycheck Protection Program loan. Some email links lead to data collection sites related to “PPP 2021 Data Collection Form” or “PPP 2021 Approved”. Disclosing personal information on these sites could lead to information loss and identity theft.

Any email from SBA will use the handle. Loan applicants who receive email correspondence asking for sensitive information are cautioned to verify that any application numbers referenced in the email are consistent with recipient's actual application number.

New MARBIDCO “RELIEF Act” Grant Programs Are Now Open

  • The Maryland Livestock Processing Equipment Relief Grant Program provides grants of up to $100,000 (at up to 75% of the cost) to livestock processors to purchase meat processing equipment to help expand the capacity of their processing enterprises. The demand for local meat products overwhelmed local processors during the pandemic which led to scheduling backlogs at small processing facilities and farmers having to hold their livestock for longer periods of time. This program will potentially help to relieve some of this demand by providing funds to facilities to expand their processing capacity. First-round applications are due by April 1, 2021.
  • The Maryland Shellfish Aquaculture Relief Grant provides grants of between $500 and $2,000 to persons holding State submerged land and/or water column aquaculture leases. The grants can assist shellfish aquaculture producers with their spring planting expenses, some of which are mandated under State law. There are approximately 175 oyster farms in Maryland, and many of these farms experienced large revenue losses in 2020 because of a dramatic decline in restaurant sales. First-round applications are due by March 15, 2021.
  • The Maryland Urban Farmer Relief Grant provides grants of $500 to urban farmers to assist with a portion of the costs associated with the urban commercial production of locally grown food products this spring. Urban farmers played a significant role in helping to feed city residents during the pandemic. First-round applications are due by March 15, 2021.
  • The Maryland Local Food Cold Storage Relief Grant Program provides grants of up to $15,000 (up to 50% of the cost) to help agricultural and seafood businesses purchase the cold storage equipment that is needed to continue or expand operations. Farmers needing new cold storage equipment and facilities has increased significantly during the pandemic. First-round applications are due by April 1, 2021.
  • The Maryland Wood Products Industry Equity Incentive Relief Fund provides grants of 20% to 33% of a project’s cost up to $225,000, with the aim to help forest harvesters and wood fiber processors to purchase new equipment or construct facilities to increase the utilization and production of wood products in Maryland. The forest products industry has been devastated by the closure of mills and the loss of markets in recent years, and the pandemic has exacerbated this problem. There are more than 157,000 private forestland owners in Maryland (owning 10 or more acres of woodland). First-round applications are due by April 1, 2021.

Further information about these programs, including the application forms, may be obtained by visiting MARBIDCO’s website at: Interested persons can also contact the MARBIDCO office at: (410) 267-6807.

Rural and Underserved Business Recovery from Impact of COVID-19


RUBRIC was created to assist Maryland's technology companies that have been detrimentally impacted by the COVID-19 pandemic and associated economic downturn. TEDCO will make awards of up to $100K through the RUBRIC program to help bridge companies across the economic downturn associated with the COVID-19 pandemic.

Learn More

Shuttered Venue Operator Grant:

The Shuttered Venue Operator Grant provides $15 billion for SBA grants up to $10 million to live venues, independent movie theaters, and cultural institutions to address the economic effects of the pandemic. Grants can be used to cover expenses such as payroll costs, rent, utilities, and personal protective equipment. Businesses who applied and received PPP round two funding are not eligible to apply. The grant program will be rolled out in phases starting with those qualifying businesses who experienced a 90% or higher decrease in revenue in 2020. The application process and final decisions on eligibility are still pending.

Paycheck Protection Program:

Congress just passed an extension of the Paycheck Protection Program (PPP) that allows small businesses and eligible non-profits to apply for PPP loans through May 31st. 

The Paycheck Protection Program (PPP) is a loan designed to provide a direct incentive for small businesses to keep their workers on payroll. Borrowers may be eligible for PPP loan forgiveness.

Read More


Grants available to women of color business owners


Initially available for Black small business owners, and beginning November 28, 2020, all Black, Indigenous, and People of Color (BIPOC) small business owners will be eligible to apply. In addition, all small businesses are able to sign up for free marketing insights and resources. In the future, the program aims to expand to other small business owners.

Comcast RISE offers marketing and technology makeovers, which may include media placements, marketing consultations, commercial creative production services, or technology services such as computer equipment, internet, voice and cybersecurity from Effectv, the advertising sales division of Comcast Cable, and Comcast Business, Comcast’s cable provider to small and mid-size businesses. And, in the coming monthsComcast will be awarding grants of up to $10,000.

Please use this link for details on the selection criteria and to apply.

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.  

Fake “2020 Certificate of Good Standing Request” Letter. The Office of the Attorney General has been alerted that businesses in Maryland are receiving a letter entitled “2020 Certificate of Good Standing Request Form” that requests a fee in exchange for a letter of good standing with an “official seal of the Secretary of State.” This letter is a SCAM. 

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.

The SBA has released the new PPP Loan Forgiveness Application Form 3508EZ, which is designed to streamline PPP forgiveness for certain businesses. While applying for forgiveness may still seem overwhelming - even with this simper form - the EZ form requires fewer calculations and less documentation. Join NFIB’s weekly webinar with Beth Milito and Holly Wade as they walk through the EZ form together and answer frequently asked questions.

The new PPP loan forgiveness applications reflect changes to the PPP made by the Paycheck Protection Flexibility Act of 2020, P.L. 116-142, which became law June 5. The applications and instructions are available in the links below:

Revised PPP Loan Forgiveness Application
EZ PPP Loan Forgiveness Application

PPP Loan Forgiveness Calculator

Employee Retention Tax Credit:

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

SBA Debt Relief for 7(a), 504, and Micro-loan Borrowers:

As part of its coronavirus debt relief efforts, the SBA will pay 6 months of principal, interest, and any associated fees that borrowers owe for all current 7(a), 504, and Micro-loans in regular servicing status, as well as new 7(a), 504, and Microloans disbursed prior to September 27, 2020. Details here.

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.

Main Street Lending Program 

This program offers generally larger loans to small and medium sized businesses based on their 2019 EBIDTA. Minimum loan size is $250,000. Check with your current bank or PPP lender to see if they are participating.

More information is available here.

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.

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.

Manning Media 

Free Business Directory to be hosted on Manning Media, Inc. website and promoted for Free on all Manning Media radio stations and social media pages.  To add your business click here.