COVID-19 Resources

The COVID-19 public health crisis is also an economic crisis for Talbot County’s business owners and workers in every industry. We update this information daily to bring you the latest information and best resources to help you manage your business during this pandemic. At the Talbot County Economic Development and Tourism, we are here to support you, not just in times of crisis, but every day.


Join Us for a Private-Sector Conference Call the Second and Fourth Tuesday of Each Month at 12 Noon to Get the Latest COVID-19 Updates for Business.

Call: 415-655-0002

Code: 471 585 551


Get answers to your questions about the American Rescue Plan Act/Economic Aid Act’s Small Business Support Programs – The Small Business Administration will hold a weekly call covering the Paycheck Protection Program (PPP) re-launch, the Economic Injury Disaster Loan (EIDL) Program, the Shuttered Venue Operators Grant, targeted EIDL advance, and debt relief. Every Wednesday at 3 p.m. until further notice. Click here to join the meeting Or call in (audio only) 202-765-1264. Conference ID: 287 653 855#


Financial Help For Businesses


Small, Minority and Women Owned Business Administration COVID RELIEF Program – To support Maryland’s small businesses that face continued financial impacts from the Coronavirus, the state established the Maryland Small, Minority and Women-Owned Business Administration COVID RELIEF Program with $10 million in state Relief Act funding.

Recovery for the Economy, Livelihoods, Industries, Entrepreneurs, and Families (RELIEF) Act– The bill’s purpose is to relieve some of the adverse economic effects of the coronavirus pandemic. The RELIEF Act authorizes economic impact payments to certain Maryland residents, as well as separately providing for adjustments to both individual and business tax filings.

Rural and Underserved Business Recovery from Impact of COVID-19 (RUBRIC) program — TEDCO, the quasi-public state agency that supports early-stage tech companies, is offering funding to technology-based businesses that are socially or economically disadvantaged, or based in rural areas.

Maryland Apprenticeship Expansion Grant – The Maryland Department of Labor is now accepting proposals for grant funds to support Registered Apprenticeship Programs across the state.

Maryland Economic Adjustment Fund (MEAF) – MEAF provides loans of up to $150,000 for small and underserved businesses with fewer than 50 employees. Applicants must demonstrate credit worthiness, ability to repay, and an inability to qualify for loans from traditional lending sources.

Maryland Neighborhood BusinessWorks Loan Program — The Department of Housing and Community Development provides flexible financing to new or expanding small businesses and nonprofit organizations in Sustainable Communities and Priority Funding Areas throughout the state.


Restaurant Revitalization Fund (RRF) – Provides 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. Recipients are not required to repay the funding as long as funds are used for eligible uses no later than March 11, 2023. Registration opens April 30 and applications will be accepted beginning on May 3. The application and registration can be found here.

Assistance through local Small Business Development Offices can be found here.

FAQs Restaurant Revitalization Fund Grant | National Restaurant Association – A FAQ on the RFF with links put together by the NRA that is user friendly.

Shuttered Venue Operators Grant – The Shuttered Venue Operators Grant (SVOG) program was established through the Economic Aid to Hard-Hit Small Businesses, Nonprofits and Venues Act, and amended by the American Rescue Plan Act to provide over $16 billion in economic relief to target industries.

Business Owners’ Idea Café Small Business Grant –  Business owners in business for at least six months can apply for a $1,000 grant with advertising opportunities. There are no entry fees and a complete business plan is not required. 

National Association for the Self-Employed Growth GrantsBusiness owners may apply for up to $4,000 for specific small business projects. Past recipients used growth grants to purchase computers, hire part-time help, and create marketing materials.

U.S. Small Business Administration Economic Injury Disaster Loan (EIDL)The SBA is offering low interest federal disaster loans for working capital to small businesses and non-profit organizations suffering substantial economic injury as a result of COVID-19.

  • These loans may be used to pay debts, payroll, accounts payable and other bills. Interest rate is 3.75% for small businesses; 2.75% for non-profits.
  • Loan repayment term is up to 30 years and first payment is deferred for one year.

EIDL Advance Grant 2.0 – Eligible small businesses are able to receive additional funding if their first EIDL Advance Grant was under $10,000.

  • Employ 300 employees or less;
  • Demonstrate at least 30% reduction in gross receipts in any 8-week period between March 2, 2020 and December 31, 2021; and
  • Are located in a low-income community, as defined for the New Markets Tax Credit (NMTC).

Check on the status of your EIDL application by calling 1-800-659-2955 or emailing

Paycheck Protection Program (PPP) — PPP Extension Act of 2021 extended the Paycheck Protection Program to May 31, 2021, and provides an additional 30-day period for the SBA to process applications that are still pending.  Learn more here. ( website)

The U.S. Small Business Administration has released a simpler loan forgiveness application for PPP loans of $50,000 or less. This action streamlines the PPP forgiveness process to provide financial and administrative relief to America’s smallest businesses while also ensuring sound stewardship of taxpayer dollars.

Other Assistance Programs


Work Sharing ProgramThis Maryland Department of Labor program is designed to avoid layoffs by preserving jobs for trained workers. Qualified employers are able to retain an entire employee group by reducing that group’s hours of work by a percentage equal to the total reduction of hours that would have been achieved by a layoff.


Employee Retention Credit – The Treasury Department and the Internal Revenue Service launched the Employee Retention Credit, designed to encourage businesses financially impacted by COVID-19 to keep employees on their payroll. The tax credit is 50% of up to $10,000 in wages paid by an eligible employer.

Federal Housing Finance Agency Payment DeferralFannie Mae and Freddie Mac (the Enterprises) offer a payment deferral option for mortgage payments allowing borrowers who are able to return to making their normal monthly payment, the ability to repay missed payments at the time the home is sold, refinanced, or when the loan matures.

IRS Employee Retention Credit— The U.S. Internal Revenue Service allows employers to claim tax credit of up to $5,000 for paying the health premiums of furloughed employee health premiums.

The U.S. Treasury Department and the Internal Revenue Service provided guidance in Notice 2020-54 to employers requiring them to report the amount of qualified sick and family leave wages paid to employees under the Families First Coronavirus Response Act (FFCRA) on Form W-2. Additional information about tax relief for those affected by the COVID-19 pandemic can be found on

Check out this site from the Small Business Development Center about federal resources for small businesses impacted by COVID-19.


Financial Help for Agriculture


Maryland Farmer COVID-19 Relief ProgramThis Maryland Department of Agriculture program is designed to provide payments for contract poultry producers who were not eligible for Coronavirus Food Assistance Program (CFAP) funds. Also offers bonus payments to farmers who received federal relief from the first round of CFAP funding.


U.S. Department of Agriculture Marketing Assistance Loans Maturity Extension – Producers of eligible commodities have up to 12 months to repay their commodity loans for crop years 2018, 2019, and 2020.

The U.S. Department of Agriculture offers the Farm Loan Discovery Tool to help farmers find agriculture loans.


Unemployment Information

Unemployment Insurance Frequently Asked Questions:


Additional Resources


Talbot County COVID-19 Update 03.11.21


General Directives Regarding Certain Businesses & Facilities in Maryland – Important, detailed information for businesses regarding operating during the pandemic.

Financial Resources for Individuals and Families — Information on resources from the Department of Human Services (DHS), Maryland Department of Labor and Department of Housing and Community Development (DHCD) to help claimants whose CARES Act benefits are expiring at the end of the month.

Maryland COVID-19 Information for Business – A roundup of resources for businesses affected by COVID-19.

The Maryland Small Business Reserve (SBR) Program— Website lists state contracting opportunities for small businesses. The program applies to 66 designated agencies and departments that are required to spend at least 15 percent of their total fiscal year procurement expenditures with certified SBR vendors. Vendors can become certified online in one day. There is no cost to participate.

The State of Maryland’s Procurement Forecast for Fiscal Year 2021 is now available on the Governor’s Office of Small, Minority & Women Business Affairs website. The database is populated with solicitations of $100,000 or greater expected to be advertised or awarded through June 30, 2021.

SCORE’s Small Business Resilience Resource Portal –  SCORE has created a comprehensive resource portal to help you find the specific information, government resources, and financial support you need to position your business for future success.

Small Business Development Center Survival Guide – A comprehensive step-by-step guide on how to navigate the crisis, including tips on how to talk to creditors, alternative funding sources, and how to leverage social media platforms to communicate to customers.

The Hogan Administration’s COVID-19 Response – Live updates and the latest news from Governor Larry Hogan.


Centers for Disease Control and Prevention (CDC) Guidance for Businesses and Employers – CDC guidance helps prevent workplace exposure to COVID-19 in non-healthcare settings.

COVID-19 Health Insurance Resources — The Centers for Medicare & Medicaid Services have published a tip sheet on health coverage options and marketplace frequently asked questions.

COVID-19 and Equal Opportunity Employment Laws — Equal Employment Opportunity laws, including the ADA and Rehabilitation Act, continue to apply during the COVID-19 pandemic.


The U.S. Chamber of Commerce developed a Guide for Small Businesses to help them understand the various assistance programs, including changes to the Paycheck Protection Program (PPP), eligibility for initial PPP loans, the loan forgiveness process, and the tax treatment of PPP loans, as well as the Economic Injury Disaster Loans (EIDL Program), the Employee Retention Tax Credit, a Venue Grant program, and SBA loan programs.


You Are Not Alone

Feeling stressed? Anxious? Depressed by the COVID-19 public health crisis? Don’t suffer in silence. Help is available for you and your loved ones.

For All Seasons24-Hour Crisis Hotline: Toll-Free: 800-310-7273 English:410-820-5600 Spanish: 410-829-6143

For All Seasons continues to have availability for crisis appointments, in-person appointments, teletherapy, and telepsychiatry, as well as 24/7 hotlines during the COVID-19 crisis. You can even text to get help. Staff is available for both long-term and short-term appointments for anyone in need of support.

Substance Abuse and Mental Health Services Administration – National Suicide Prevention Lifeline: Toll-Free (English) 1-800-273-TALK (8255). Toll-Free (español) 1-888-628-9454. More information for businesses here