COVID-19 Update: Business Resources
The Director's Digest
The Community Promotions Office has been working hard to keep Adams County businesses informed on the latest regulations and relief options related to COVID-19. In this email, you will find the latest updates, including new information regarding the Paycheck Protection Program, the SBA Economic Injury Disaster Loans, new Bank of North Dakota relief programs, and new guidance and support for agricultural producers.

As always, please don't hesitate to contact us with any questions you may have regarding these programs.We're happy to support you as you navigate the ever-changing business landscape.

In addition, we encourage you to contact our local Small Business Development Center representative, Laura Weber (701.523.5880 or, or your local lender for support regarding financial relief programs.
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COVID-19 Relief Funding Options
Small Business Owner's Guide
ND Nonprofit COVID-19 Resources
COVID-19 Emergency Rent Bridge




Paycheck Protection Program

Additional Aid for Small-Business Loan Programs Now Available: PPP Applications Re-Opened

Joint Statement by SBA Administrator Jovita Carranza and Treasury Secretary Steven T. Mnuchin on the Resumption of the Paycheck Protection Program - Released 4.24.2020

WASHINGTON – Administrator of the U.S. Small Business Administration Jovita Carranza and U.S. Treasury Secretary Steven T. Mnuchin issued the following statement today on the resumption of the Payroll Protection Program (PPP):
“We are pleased that President Trump has signed into law the Paycheck Protection Program and Health Care Enhancement Act, which provides critical additional funding for American workers and small businesses affected by the coronavirus pandemic.  We want to thank Leader McConnell, Leader Schumer, Speaker Pelosi, and Leader McCarthy for working with us on a bipartisan basis to ensure that the Paycheck Protection Program is funded so that small businesses can keep hardworking Americans on the payroll.
“The Small Business Administration will resume accepting PPP loan applications on Monday, April 27 at 10:30AM EDT from approved lenders on behalf of any eligible borrower.  This will ensure that SBA has properly coded the system to account for changes made by the legislation.
“The PPP has supported more than 1.66 million small businesses and protected over 30 million jobs for hardworking Americans.  With the additional funds appropriated by Congress, tens of millions of additional workers will benefit from this critical relief.
“We encourage all approved lenders to process loan applications previously submitted by eligible borrowers and disburse funds expeditiously.  All eligible borrowers who need these funds should work with an approved lender to apply.  Borrowers should carefully review PPP regulations and guidance and the certifications required to obtain a loan.
“The Trump Administration is fully committed to ensuring that America’s workers and small businesses continue to get the resources they need to get through this challenging time.”
If you have not secured Paycheck Protection Program funding for you business, and you intend to apply, we encourage you to contact your lender today to begin the application process. It is anticipated that this funding will run out once again.
PPP Borrower Application Form
Paycheck Protection Program




EIDL Program

SBA Economic Injury Disaster Loans

With the additional funding provided by the new COVID-19 relief package, SBA will resume processing EIDL Loan and Advance applications that are already in the queue on a first come, first-served basis.

We will provide further information on the availability of the EIDL portal to receive new applications (including those from agricultural enterprises) as soon as possible.
EIDL Vs. PPP Program Comparison
EIDL Emergency Advance




Bank of North Dakota Programs

Industrial Commission Authorizes Bank of ND Programs to Assist Businesses in Pandemic Recovery Efforts 4.24.2020

The North Dakota Industrial Commission today authorized the Bank of North Dakota (BND) to provide two financing programs to assist North Dakota businesses in obtaining long-term, low-interest loans to assist in the state’s economic recovery from the COVID-19 pandemic. The loan programs will help both small and large businesses to secure working capital and replenish inventory. The programs will be effective Wednesday, April 29, 2020.   

The Small Employer Loan Fund (SELF) will provide a loan of up to $50,000 to small businesses with a full-time employee equivalent (FTE) of 10 employees or less. These loans may be used for working capital, recurring expenses and replenishing inventory. Business owners will work with their local lender to access the program. The loan has a maximum term of 10 years and a fixed interest rate of 1%, with deferral of loan payments for up to six months.

The COVID-19 PACE Recovery Program (CPRP) will provide a loan of up to $5 million for businesses of less than 500 employees and a loan of up to $10 million for businesses with more than 500 employees. Loan payments may be deferred for up to six months, at which time the loan will term out with up to a 10-year amortization. The interest rate on the loan will be bought down by BND to 1% for a period of time, with a maximum buydown of $500,000. Business owners will access the program through their local lender. Unlike other PACE program offerings from BND, there is no community match required.

To qualify, North Dakota businesses must have been established before Feb.15, 2020 and loan applications must be received before Nov. 30, 2020.

Through a combination of the Coronavirus Relief Fund and the Bank of North Dakota’s accumulated and undivided profits, the Industrial Commission will make $200 million available for interest buydown and $50 million for low-interest loans.  The buydown will be leveraged to provide up to $2 billion in low interest loans.   
The Bank’s mission “to support agriculture, commerce and industry” has not changed since its earliest days in 1919. The only state-owned bank in the nation, the Bank of North Dakota is overseen by the Industrial Commission.

To learn more about loan program specifics, visit
Bank of North Dakota
Bank of North Dakota FAQs

Bank of ND Small Employer Loan Fund (SELF)

This program assists local financial institutions and certified development corporations (CDC’s) in providing loans to assist very small North Dakota businesses in their recovery from the negative impacts caused by the COVID-19 Pandemic. Loan applications must be received by November 30, 2020.
SELF Program

Bank of ND COVID-19 PACE Recovery Program (CPRP)

This program assists local financial institutions in providing low interest loans to support North Dakota businesses in their economic recovery due to negative impacts from the COVID-19 pandemic. Applications will be accepted through November 30, 2020.
CPRP Program




SBA COVID-19 Disaster Assistance

The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).
SBA COVID-19 Disaster Assist.
Checklist for Disaster Assist.




Support for Farm   Ag Producers
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Economic Injury Disaster Loans for Agriculture

An amendment to the Economic Injury Disaster Loan program now allows agricultural businesses with fewer than 500 employees to participate in this program. Go to the SBA website to find out how to apply.

Coronavirus Food Assistance Program (CFAP)

Coronavirus Food Assistance Program has $19 billion to support farmers and ranchers during COVID-19. Of this amount, $9.6 Billion is allocated for the livestock industry and $5.1 billion of the livestock industry funds are specifically for the cattle industry.
Click here for more information

Local Resources Close to Home:

The NDSU Research & Adams County Extension Center recognize that recent weeks have been particularly difficult for our community businesses, including farming and ranching businesses. There are a few ways they are working to support you through these challenging times. In response to the COVID-19 pandemic, they have taken a number of steps to support our local producers:
NDSU Extension Resources
Ag Markets Webinar Series
Town Hall Webinars




Commerce COVID-19 Hub
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COVID-19 Hub

To best serve businesses and communities dealing with the impact of COVID-19, the Commerce team is taking a proactive approach by temporarily redirecting human and financial resources to support the North Dakota business community. While you should continue to receive your public health information from the North Dakota Department of Health and the federal Centers for Disease Control and Prevention, below is important information pertaining to both state and federal resources available to businesses and communities affected economically as a result of this public health threat.
Business & Employer Recources
This update includes information vital to understanding the federal financial resources recently made available to small businesses through the CARES Act.




Greater ND Chamber Hub
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In an attempt to drive data-based decisions versus further actions of fear or panic, GNDC has created an info and response page - Serving as a hub to update North Dakota business, industry, and individuals of ongoing impacts at the local level and beyond to the world market. 

The site captures ongoing efforts from the U.S. Chamber, the Families First Coronavirus Response Act and additional effects on business from COVID-19. Links to data sources including relevant CDC links and ND Department of Health pages are also available for easy access.
Business Briefing Recordings




BCDC Business Broadcast
May 12 Business Broadcast
Jason Matthews of JM Strategies speaks on Planning in an Era of Uncertainty, and get a look into how Bowman County Development Corporation is planning for the future of Bowman County. Recording available soon.
Listen to 4-21-2020 Broadcast
Listen to 4-14-2020 Broadcast
Listen to 4-7-2020 Broadcast




Small Business Dev. Center

Local Support: Laura Weber

The Small Business Development Center serves Adams County businesses free of charge, and is able to assist with navigating regional and federal funding options during the COVID-19 pandemic.

Contact our local SBDC representative, Laura Weber today:








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NDSU NICE Center: Let Us Help Your Business Succeed Online

We’re all navigating a challenging time in our lives. And if you run a business, we know that you may be facing unknowns about how to operate given the implications of social distancing.  If you are a business owner needing digital support, please know that we at The Nice Center have a team here to help.

Here are some of the ways we can support:
     Setting up an online store
     Marketing the new ways you continue to serve your customers
     Branding and design
     Online ordering and sales processes
NDSU NICE Center Tools




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Join us!

Learn how to grow your business and utilize Google services!
• Google Slides
• Google Sheets
• Google Photos
• Google Forms & Google Drawings
• Google Sites

Grow With Google Tutorials








Low Income Home Energy Assistance: 2020 Cooling Program

LIHEAP, in partnership with the ND Department of Commerce and local Community Action Agencies, is operating a cooling program until the end of September 2020. Cooling program funds can be used to purchase and install a window air conditioning unit, repair an air conditioning unit, or to purchase oscillating or window fans for qualifying households.


Business For All Grants

$250,000 in grants will be awarded to Business for All applicants, as a critical step towards tackling entrepreneurs’ single greatest barrier to growth: access to capital. 


The Red Backpack Fund

Grant fund making 1,000 grants of $5,000 each to female entrepreneurs in the U.S. to help alleviate the immediate needs and support the long-term recovery of those impacted by this crisis. 


Child Care Aware of North Dakota

Child Care Aware of North Dakota has a COVID resource page with information about the ND Child Care Emergency Operating Grant and other resources for local child care providers.







Thanks for reading. If you have any feedback or questions, please share.
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Jasmin Fosheim
Executive Director

McKenzie Stippich
Community Promotions Office Coordinator

Hettinger Chamber of Commerce
This institution is an equal opportunity provider. 

Adams County Development Corporation
This institution is an equal opportunity provider. 

Call: 701-567-2531
Stop In: 120 S. Main St., Hettinger, ND