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.

For more on SBA programs for the coronavirus, please visit

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.

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