In the midst of the pandemic, we’ve compiled a list of resources to help businesses in our community request support and navigate through this trying time. If you have any specific questions that you cannot find the answers to, please email us at and we will do our best to help you find a solution.


Immediate Recommendations

•Talk to your suppliers. Negotiate an extension of payment terms.

•Talk to your bank:

  1. Request an extension on the timeline for payment of loans
  2. Request a line of credit to help cover payroll or inventory expenses

•Contact Progress Lakeshore for possible SBA assistance

•Explore other sources for working capital, including

•Check with your accountant on strategies they recommend

•Consider changing the way you do business…

  1. Can you adjust your service or product to sell online?
  2. Can you capitalize on pickup or delivery?
  3. Can you encourage sale of gift cards for later use?

•Market changes to hours, products or pickup/delivery, including the use of services such as DoorDash or UberEats.

Stay abreast of resources by following Progress Lakeshore on Facebook

Essential Businesses List

Governor Evers March 24th 2020 issued the Safer at Home, Emergency Order #12.  Find a listing of “essential” businesses here.

Find the Safer at Home FAQ here.


Your business must have fewer than 500 employees, and less than $7.5 million revenue on average each year for the past three years. Your net income must be under $5 million (after taxes and not counting carry-over losses), and your tangible net worth must be less than $15 million.

 For assistance in applying for the SBA Emergency Loan  contact the Wisconsin Small Business Development Center (SBDC) website or by clicking here.

We are also providing you with the following information to help you get ready to apply:

  1. The SBA’s Economic Injury Disaster Loan Presentation, which includes instructions on how to apply
  2. Q&A for SBA Economic Injury Disaster Loans
  3. The SBA’s Wisconsin Covid-19 Talking Points for Businesses:

As of Monday 3/30/2020

The SBA EIDL application process is new/updated.

  • EIDL Applications submitted before Monday 3/30/2020 need to be resubmitted to be considered for the $10,000 Advance (the advance portion is forgivable).
  • If you applied for the EIDL and did NOT receive an immediate confirmation number or email confirmation, then you must resubmit the application.
  • If you received a confirmation number, then you are good to go! However, you may need to reapply for the $10,000 Advance (see point #1) depending on when you submitted the application.
  • The SBA will update information daily as the new Care Act programs roll out. Sign up for SBA Updates to get the latest information. The rules and processes are being written, so there is no guidance on the Care Act at this time.

Please keep in mind, as the Care Act rolls out, the process will change daily.

Click here for a list of SBA approved lenders.

For more on SBA programs for the coronavirus, please visit

For answers to Frequently Asked Questions about Economic Injury Disaster Loans, please click here.

To compare and contrast the different SBA offered funding options, click here!

City of Manitowoc Existing Economic Development Revolving Loan Fund Recipients

The City of Manitowoc Industrial and Downtown Revolving Fund recipients can request 90 day deferral on their loans. The deferred loan payments will be added on to loan to extend the loan term by 90 days. To request a deferral please email with your company information.

Micro & Small Business Loans Available through WWBIC

For over 30 years, Wisconsin Women’s Business Initiative Corporation (WWBIC) has provided educational, lending and technical assistance support to entrepreneurs and business owners regardless of gender, industry or background. 
WWBIC is working with federal, state and local organizations, to support many WWBIC borrowers, entrepreneurs and businesses in need of loan capital now!  
They are offering current WWBIC loan clients affected by COVID-19 loan modification options. In some cases, these small business owners may have options for deferments, interest payments being covered, and direct grant support for payroll and rent. For more information contact Jaime Charon, Director of Portfolio Management and Loan Operations: or WWBIC Servicing at

For current and new small business clients, we are offering fast track loans up to $25,000!  Please contact Michael Hetzel, Director of Lending: for more details.  

Kiva is now offering $15,000 loans statewide
General information can be found here: 
Business owners looking to borrow, should follow this link: 
For a WWBIC endorsement or for assistance with this process, please send an email to

WEDC Offers Financial Assistance Through Their Small Business 20/20 Program

The WEDC now offers their Small Business 20/20 Program designed to provide immediate grant assistance to small businesses in Wisconsin impacted by COVID-19. This program will provide funds to Wisconsin-based Community Development Financial Institutions (CDFIs) to make grants of up to $20,000 to targeted businesses with no more than 20 employees to cover rent and to meet payroll expenses, including paid leave (including sick, family and other leave related to COVID-19). For more details on this program, visit

WBD SBA 504 Borrowers

WBD Now Offers Payment Deferment Options for Your WBD SBA 504 Borrowers Impacted by COVID-19

WBD stands ready to help your WBD 504 business clients with the short-term cash flow challenges they are undoubtedly facing during the COVID-19 pandemic. WBD now offers temporary 504 Loan Payment Deferments to WBD 504 business borrowers, who will have the option to defer payments for up to six months.

For full details on these deferment options, see our Payment Deferment FAQ. Borrowers will also need to fill out a Payment Deferral Form. You should also refer your borrowers to our Deferment Payment page that offers more information.

Wisconsin SBDC Resources For Businesses:

Guidance on Preparing Workplaces for COVID-19

Transitioning Your Team to Work from Home

Employment & Training COVID-19 Public Info

Support Resources for Small Businesses

US Department of Labor Coronavirus Resources

Guide to Support Infectious Disease Response

COVID-19 Resources for Manufacturers

Navigating the COVID-19 Virus in Wisconsin

Financial Advice for Small Businesses

Coronavirus Tax Relief

Click here for WI small business resources.

Click here for US Senate Small Business Owners Guide: Federal Stimulus Package


Changes to Unemployment Benefits

New North and regional partners to launch statewide COVID-19 business impact data collection program

New North Inc. today announced its partnership with the Wisconsin Economic Development Corporation (WEDC), Wisconsin’s eight other regional economic development organizations (EDOs) and UW Oshkosh’s Center for Customized Research & Services to create and distribute a data collection tool to businesses in the region who are experiencing economic hardship due to the COVID-19 pandemic. The survey will be available to businesses in all 72 counties and disseminated by Wisconsin’s nine regional EDOs and their local chamber and community partners. The survey will be repeated over several observation periods to better determine the economic impact to businesses over defined periods of time. The project will be overseen by New North Executive Director Barb LaMue, Madison Region Economic Partnership (MadREP) President Paul Jadin and Jeffrey Sachse, MPA, Interim Director of the Center for Customized Research and Services (CCRS) at UW Oshkosh.

Restaurant Workers’ Community Foundation

Restaurant Workers’ Community Foundation is working to collect information and links to resources that will help restaurants and workers deal most effectively with the COVID-19 Emergency. Click here to access these resources. If you have information to share with the restaurant community, please email us at

The Coronavirus Aid, Relief, and Economic Security (CARES) Act

The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward. Click here for the answers to the questions you may have & what you need to know.

New items can be purchased with FSA and HSA funds

The latest bill that was passed included a section that permanently allows FSAs, HRAs, and HSAs to reimburse over-the-counter medicines and drugs on a tax-free basis without a doctor’s prescription. This includes items such as aspirin, cough suppressants, allergy medicine, and pain relievers are now reimbursable from account-based plans making them even more flexible for participants. In addition, the law expanded the list of qualified medical products to include menstrual products such as tampons and pads.

Recovery Rebates for Individuals

Qualified individuals will receive an automatic tax rebate of up to $1,200 ($2,400 for joint filers), plus $500 for each child (who has not attained age 17). The rebate will begin to phase out at a rate of $5 per every $100 of income in excess of $150,000 for joint filers, $112,500 for head of household, and $75,000 for all other taxpayers. Any individual except nonresident aliens and dependents of other taxpayers are qualified to receive the rebate. However, an individual who first becomes eligible in 2020 can claim the rebate when filing their 2020 income tax return. Trusts and estates do not qualify for the rebate.

For taxpayers who have yet to file their 2019 income tax returns, their 2018 returns will be used to determined their eligibility for the rebate. If no 2018 return has been filed, eligibility may be determined based upon their 2019 Social Security Benefit Statement or Social Security Equivalent Benefit Statement. The rebate is completely phased out when adjusted gross income exceeds $198,000 for joint filers with no children, $146,500 for head of household filers with one child and $99,000 for single filers with no children. The rebate payments will be made to qualified individuals by direct deposit or check. Click here for details.

WBD SBA 504 Loan Borrowers:

We have some good news for you and your business! We are reaching out to you today to provide some information related to your SBA 504 loan(s).

You may have noticed that your April 1st payment was not deducted through the normal ACH transaction that was scheduled. This is not an error, rather the result of SBA efforts to provide relief to small businesses during this crisis. 

The CARES Act approved on 3/27 includes small business provisions to provide payment relief on all SBA 504 loans. While we do not have official guidance from SBA, it is our understanding that the 4/1 payment represents the first of 6 payments on your loan that will be made by the government. If this is the case, you will resume your normal payments on October 1st.

This program applies only to your 504 loan. Please contact your lender to discuss deferment options on their loan.

WBD has yet to receive any further guidance from SBA. We will keep in touch with you with relevant information as it becomes available.

We also recognize that you may be in need of additional assistance. While WBD can only provide direct action on your SBA 504 loan, we have organized a number of other resources on our website and will continue to keep these updated as new information arrives. 

Note: the Paycheck Protection Program information and application are in our resource center and applications can be submitted to banks and Credit Unions beginning on April 3rd. 

We hope this good news helps get you through these tough times. At WBD we are working hard to be your business finance resource. Keep up with all of the latest small business resource updates by following us on LinkedIn and FacebookIf you have any questions related to the payment relief on your 504 loan, please email us at

For those seeking new or temporary work –

You can view what work is available in various occupations right from your home. Go to to begin.

DWD Launches New Links in Spanish and Hmong

Click here to learn more!

New North has been working with WEDC, the State Emergency Operation Center and local partners on how to match manufacturing capabilities with demand:

  1. State of Wisconsin donate/buy-back program: For inventory either as a manufacturer or distributor, please have them use the state provided link:
  2. Manufacturers Willing to produce Needed Medical Supplies/Manufacturers who’ve indicated a willingness/ability to retool: Wisconsin Center for Manufacturing & Productivity (WCMP) has prepared this link with the vetting questions to get a sense of what companies are capable of and how quickly they can act.

COVID-19 Small Business Impact Grant

The Ethnic & Diverse Business Coalition (EDBC) is a coalition of 14 ethnic and diverse chambers of commerce and partner organizations that serve the State of Wisconsin.

This grant application is to assist small ethnic and diverse businesses of any industry that are a business member in one of our coalition members during the COVID-19 pandemic. Before filling out this application, please note that you MUST be a member in good standing with one of our member Chambers of Commerce.

If you are NOT a member of a chamber, please reach out to a chamber (you can view a list at to view chamber memberships and to inquire about your eligibility. Grants will be available up to $500.

If you have any questions, please call (414) 287-4172 for more information.


Click here for COVID-19 Best Practices from NEW Manufacturing Alliance Members.

Options for Loss of Health Coverage:

During these uncertain times many Wisconsinites have found themselves furloughed from their job because their employer was not deemed an Essential Business.  This has also presented a challenge with maintaining health insurance coverage.  Our Employee Benefits Practice developed the attached resource to help guide an individual with their health insurance choices if they have lost their health insurance coverage from their employer.  If an individual is losing their health coverage as a result of a furlough, they can qualify under a Special Enrollment Period (SEP) for the individual marketplace.  Through the individual marketplace a participant can qualify for monthly advanced premium tax credits (based on annual household income) to reduce the insurance premium.  There is also the option of electing a Short Term Medical (STM) plan to fill the gap. Click here to view a flyer designed to assist an individual who wants to self-navigate through their individual insurance options

COVID-19 Business Impact Survey in Northeast Wisconsin

The survey is the first in a series that will track the economic impact of COVID-19. Responding companies will be surveyed again during the first months of May, June, July and for the foreseeable future, with results released during the third week of each month. Companies are invited to continue to respond to the initial survey at and to be added to the survey group.

Gener8tor – Wisconsin Emergency Response Program.

Gener8tor is hosting emergency one-week virtual programs for small businesses affected by the COVID-19 outbreak. These programs will feature daily webinars designed to identify, understand and help small businesses secure resources to withstand the current crisis. One-on-one office hours will also be available.

Hmong Wisconsin Chamber of Commerce Emergency Loan Fund

The Hmong Wisconsin Chamber of Commerce (HWCC) has announced a new Emergency Loan Fund (COVID-19) in response to the negative impact that Coronavirus (COVID-19) has had on the Wisconsin business community. These funds are primarily used for working capital to cover rent, payroll, and other fixed expenses. This loan fund is similar to HWCC’s existing Revolving Loan Fund (RLF) Small Loan programs but with a slightly lower rate and an interest-only option for the first 3 months. Loans from $5,000 and up to $10,000. For more information about terms and interest rates, please contact HWCC Operations Manager, Ger Thao:

Facebook for Business

Facebook is offering $100M in cash grants and ad credits through its Small Business Grants Program.


Kabbage launched an online hub to help boost sales for U.S small businesses impacted by COVID-19, including a system through which businesses can sell gift cards to consumers for use at a later date.

The James Beard Foundation

The James Beard Foundation is launching a fund that will be gathering support from the corporate, foundation, and individual donors to provide micro-grants to independent food and beverage businesses in need.


MainVest, a crowdfunding platform, announced its new Main Street Initiative: a $2,000, zero-interest, 120-day loan for restaurants or other brick and mortars affected by the shutdown.

Opportunity Fund

Opportunity Fund, which specializes in money lending to small businesses owned by women, immigrants and people of color, is collaborating with investors and nonprofits to put together a coronavirus relief fund that will provide grants and low-interest rate loans.

Paycheck Protection Program

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.

SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. Click here for more information & to apply.

There’s still ample Paycheck Protection Program funds available for small businesses and non-profits. Find a PPP lender here or here.

Return to Work Pulse Survey During COVID-19

Pulse surveys are a great tool for obtaining feedback on a specific topic, such as readiness to return to the workplace or continuing work amidst the COVID-19 pandemic. The survey should be short (containing one to five questions) and include a combination of closed-ended and open-ended questions so you can quickly summarize the results and take action, if necessary. Utilizing an automated survey technology is an effective and efficient way to administer the survey.

Here are sample questions for consideration. They are intended to be modified to fit your organization’s needs.

Coronavirus Tax Relief for Businesses and Tax-Exempt Entities

Get information on coronavirus (COVID-19) tax relief for businesses and tax-exempt entities here.

Relief and Recovery Resources for Your Business

Wisconsin businesses look forward to a future when they can return to providing the products and services their customers need and crave, unencumbered by threats to the health of their employees and those they serve. Working toward that future will require the gradual adoption of new business practices that reflect the evolving reality of the COVID-19 pandemic and our success in mitigating the effects of this unprecedented global health emergency. Click here for reopening guidelines from WEDC.

PPP: Loan Forgiveness Application and Instructions Now Available

Click here to view the application and instructions.

Manitowoc County Property Tax Deferral deferred until Oct. 1, 2020

The net effect of this resolution is the 2020 property tax installment payments that are due and payable after April 1, 2020 are deferred until Oct. 1, 2020 for all property taxpayers in the taxing districts that have passed these resolutions. Interest and penalties kick back in after that time and are calculated from Oct. 1, 2020. Also interest and penalties that were imposed because of a missed property tax payment before April 1, 2020 continue to accrue normally until the property tax bill is paid. This waiver program is good only for this year’s tax roll.
You should note that Manitowoc County takes all of the risk of this change. Every tax season the County cashes in all the unpaid tax payments due to municipalities in August and we collect all the remaining taxes. Delaying tax payments to Oct. 1, 2020 and calculating interest and penalties from Oct. 1, 2020 instead of Feb. 1, 2020 will reduce these payments and delays the final settlement until September 20, 2020. The deferral schedule costs the County substantial interest and penalties that we would normally collect and it will cost us programming changes to collect the taxes correctly. This could amount to over $100,000.

We will continue to provide you with information as we receive it. Let us know how we can help you by contacting