America's SBDC Federal Resources for Small Business

CDC Site for Business

Resources for Businesses and Employers

Interim Guidance for Businesses and Employers

Disinfecting Your Facility if Someone is Sick

OSHA/HHS Guidance

SBA Disaster Loan Assistance

Makes loans available statewide to small businesses and private, non-profit organizations to help alleviate economic injury caused by the Coronavirus (COVID-19).

Eligibility for Economic Injury Disaster Loans is based on the financial impact of the Coronavirus (COVID-19). The interest rate is 3.75 percent for small businesses. The interest rate for private non-profit organizations is 2.75 percent.

SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years and are available to entities without the financial ability to offset the adverse impact without hardship.


On March 27, 2020, President Trump signed into law the CARES Act, which provided additional assistance for small business owners and non-profits, including the opportunity to get up to a $10,000 Advance on an Economic Injury Disaster Loan (EIDL). This Advance may be available even if your EIDL application was declined or is still pending, and will be forgiven.

If you wish to apply for the Advance on your EIDL, please visit as soon as possible to fill out a new, streamlined application. In order to qualify for the Advance, you need to submit this new application even if you previously submitted an EIDL application. Applying for the Advance will not impact the status or slow your existing application.

The deadline to apply for an Economic Injury Disaster Loan is Dec. 21, 2020.

State of Missouri Show Me Strong Recovery Plan

Governor Parson Announces First Phase of “SHOW ME STRONG RECOVERY” PLAN TO BEGIN MAY 4

Show-Me Strong Recovery Plan: Phase I Guidelines and Frequently Asked Questions

Show Me Strong Website

MO Department of Health and Senior Services Order 4-27-20


Missouri Department of Economic Development

In response to COVID-19, the Department of Economic Development is working with local economic developers to reach out and connect major employers across the state with vital resources that will help mitigate the economic effects of the virus. Questions are designed to ensure that we have a clear picture of the impacts of COVID-19 on the Missouri economy. The answers will help us identify immediate / long-term supportive services, financial resources currently available, and any future programs that should be considered.

MO Department of Health and Senior Services - COVID-19

Stay at Home Order: Business Guidance -

Additional Guidance from the Department of Economic Development

Department of Labor COVID-19 FAQ For Business and Workers

Shared Work Program: The Shared Work Unemployment Compensation Program is an alternative to layoffs for employers faced with a reduction in available work. It allows an employer to divide the available work among a specified group of affected employees instead of a layoff. These employees receive a portion of their unemployment benefits while working reduced hours. To participate, an employer must complete an application for the affected unit within the company, and submit it to the Division of Employment Security (DES) for approval.

Mass Claims Filing: The Electronic Mass Claims Filing System is designed to assist employers and their employees during a temporary mass layoff. Employee information provided by the employer, allows the Division of Employment Security (DES) to file an initial or renewed unemployment claim on behalf of employees quickly and efficiently. Information is available here

Filing for Unemployment: Employees should apply with the state in which they are employed vs. state of residence.  To learn more about resources, including filing for unemployment insurance benefits, use

Missouri COVID-19 Unemployment Dashboard -

US Chamber

Small Business Guide & Checklist to Coronavirus Emergency Loans -

Coronavirus Paid Leave Programs: Employer Guide -


Missouri Chamber

#BuyMO – Questionnaire and resources to help small business.

Missouri Main Street

4-ways to connect – Online Resource Outlet; Mornings on Main – webinar each Wednesday at 8:30 am; We care calls – Tuesdays; Downtown Chat FB Group

Federal Resources

The first phase of aid was an $8 billion coronavirus response package, which allowed for additional testing of the virus as well as lower costs for medical treatments.

On Wednesday, March 18, 2020, President Trump signed into law the “Families First Coronavirus Response Act (H.R. 6201),” which represents the second phase of aid to individual citizens and businesses as the impact of the coronavirus is felt across the nation.

H.R. 6201 provides relief for individuals impacted by the virus in the form of paid family leave along with tax credits for employers. Additionally, it includes provisions for expansions in unemployment insurance and guarantees for free coronavirus diagnostic testing, among other provisions. Provisions of interest to business owners include an expansion of paid sick leave and Family Medical Leave Act (“FMLA”) benefits to employees impacted by COVID-19, and the creation of tax credits for businesses required to provide these new benefits.

The Families First Coronavirus Response Act provides:

  • Funding to increase testing, support treatments, and invest in vaccine development
  • Resources to purchase essential medical equipment/supplies, and for the CDC, NIH, and state and local response efforts
  • Free testing for Americans that need to be tested
  • Paid sick and medical leave for workers
  • Emergency nutritional assistance
  • Protections and relief for small businesses
  • Increased access to telehealth

Additional Information on USDA Programs and the FFCRA:

Federal Stimulus Package Round Three: Leaders in the Senate announced a tentative plan that includes aid to individuals, large companies, and small businesses. Currently, the plan includes forgivable bridge lending to small businesses and cash payments to individuals.

The CARES Act does the following:

  • Sends direct checks to individual Americans of up to $1200.
  • Provides grants and loans to small businesses to meet payroll and pay rent.
  • Allows regulatory relief so banks can grant loan forbearance for otherwise healthy businesses struggling while business has been shut down.
  • Rushes resources to hospitals, doctors and other front-line providers.
  • Expands the use of Telehealth medicine to surge capacity and diagnose and treat patients in safe and faster environment.
  • Provides liability protection for providers who volunteer.
  • Allows Health Savings Accounts (HSA) to be used to purchase over the counter medicines.

Additional Information on the CARES Act and Keeping Americans Paid and Employed Act:

Local Resources

Hannibal Regional Economic Development Council

Small Business Development Center at HREDC (SBDC)

Hannibal Area Chamber of Commerce

Hannibal Regional Healthcare System COVID-19 Hotline: 800-845-7405

Hannibal YMCA Childcare Services for Employees - Press Release

Hannibal Board of Public Works (HBPW) – All late fees will be waived, there will be no disconnects for late payments.

Helpful Videos