Resources For Businesses

Many businesses had to temporarily close or make major adjustments to operations in the wake of the COVID-19 pandemic. As the State of Ohio and the country responds to these changes, there are now resources available to help small businesses and nonprofits weather the storm.

On Friday, October 23, Governor DeWine announces the Small Business Relief Grant that is designed to provide relief to Ohio businesses negatively affected by COVID-19. The governor designated up to $125 million of funding by the State of Ohio from the federal CARES Act to provide $10,000 grants to small businesses in order to help them through the crisis. The program will begin accepting applications on November 2, 2020 and will be administered through the Ohio Development Services Agency. Information on how to apply can be found online here.

Also on October 23, the Bar and Restaurant Assistance Fund was announced. It is designed to assist Ohio's on-premise liquor permit holders. Governor DeWine designated $37.5 million of funding received by the State of Ohio from the federal CARES Act to provide $2,500 assistance payments to on-premise liquor permit holders that are experiencing financial difficulties due to COVID-19. The program will also be administered by the Ohio Development Services Agency and will begin accepting applications on November 2, 2020. Information on how to apply can be found online here.

Businesses can always reach out to Xenia’s Development Director Steve Brodsky by phone at: 937-372-7943, Community Development Director Ryan Baker at: 937-376-7286, or the City Manager’s Office at: 937-376-7231.

The Small Business Development Center has a series of webinars designed to help businesses navigate programs available during this time. Webinars included information regarding SBA’s Disaster Loans (EIDL) vs. Payroll Protection Program (PPP), a presentation from Pivot Marketing, Minority Business Partnership, and Small Business Survival Tips. If you were unable to attend the recent webinars live, they are still available online here.

The Greene County Department of Development is now accepting grant applications from area small businesses that have been negatively impacted by the COVID-19 crisis.

Click here to download the document that outlines the eligibility criteria and application.

U.S. Small Business Administration

  • The U.S. Small Business Administration (SBA) has approved Ohio's request to allow small businesses and nonprofits to apply for low-interest, long-term loans of up to $2 million. The loans have been reopened through SBA's Economic Injury Disaster Loan Program. The loans may be used by small business owners in Ohio or nonprofits to pay fixed debts, payroll, accounts payable, and other bills that are unable to be paid at this time. The interest rate is 3.75 percent for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. Nonprofits will have an interest rate of 2.75 percent. 
  • Economic Injury Disaster Loan (EIDL) $10,000 Loan Advance: ALL prior EIDL applicants will need to reapply at the SBA's new portal to receive the forgivable $10,000 loan advance. Applicants may apply online here.
  • A detailed webinar has also been posted online that walks businesses and nonprofits through the process of applying for assistance.

Paycheck Protection Program

The Small Business Administration has released information regarding the Coronavirus Aid, Relief, and Economic Security (CARES) Act. As part of the bill, there is money allocated to provide help for small business workers and is known as the Paycheck Protection Program. 

The Small Business Administration has released updated guidelines on steps businesses need to take to may Paycheck Protection Program Loans forgivable: Paycheck Protection Program Loan Forgiveness Application

FAQs on Paycheck Protection Program

Program will provide small businesses with funds to pay up to 8 weeks of payroll costs, including benefits.

• Funds may also be used to pay interest on mortgages, rent, and utilities.

• Full forgiveness is available based on the employer maintaining or quickly rehiring employee and maintaining salary levels

• Forgiveness will be reduced if full-time head count declines or if salaries and wages decrease

• Small businesses and sole proprietors' application period begins April 3

• Independent contractors and self-employed individuals' application period begins April 10

• Application will be submitted through approved SBA Lenders

• Interest rate on these loans will be 0.5%

• Loan maturity is 2 years

If you plan to apply, you should gather the following information to submit with the loan package:

• Employee wages and salary information for the past 12 months (including owner's)

      • include paid time off, vacation, sick pay, family medical pay etc.

• Withholding for state and local taxes on employee compensation

• 1099s paid to independent contractors

• Documentation showing how much the employer paid in employee group health insurance premiums for the past 12 months

       • includes profit sharing 401(k) plans, cash balance plans, SIMPLE and SEP IRAs



The U.S. Chamber of Commerce compiled a document to help businesses navigate the bill, you may read the full document online here.

Ohio Bureau of Workers' Compensation

  • The Ohio Bureau of Workers' Compensation is assisting Ohio's small businesses during the COVID-19 crisis and is offering premium rebates to employers, possible delays or reduction of premiums, and possible reclassification of premiums in certain cases. Here is a list of FAQs here.

Office of Small Business Relief

  • The Office of Small Business Relief (OSBR) is focused on identifying and providing direct support nearly 950,000 small businesses in the state of Ohio in order to help during the COVID-19 crisis and to position them for a strong rebound.

U.S. Chamber of Commerce

  • The US Chamber of Commerce is offering grants up to $5,000 for small businesses to help with COVID-19 response. More information is available online here.


  • JobsOhio has also compiled a list of resources for businesses to support them through this time. The resources posted on the department's website are meant to "make it as simple as possible" to get businesses the support they need. 
  • The resources listed include information about the Families First Coronavirus Response Act, IRS COVID-19 Tax Relief, and guidance from the CDC about preparing the workplace.

Ohio Department of Jobs and Family Services

  • The SharedWork program allows workers to stay employed and employers to keep their staff who are already trained. Employees have the ability to work reduced hours under the SharedWork program while receiving some unemployment benefits for the hours they are unable to work.
  • The Ohio Department of Jobs and Family Services now has a special page with questions and answers for employers and employees regarding unemployment. 


  • BusinessFirst! is an organization in the greater Dayton region that works to connect businesses with resources to help them grow. The organization has created a special page on its website that lists information such as layoff aversion, guidelines from the U.S. Chamber, a link to the state of Ohio's Coronavirus update page, and much more.