Small Business Help

Paycheck Protection Program (PPP)

What is the PPP? Who can apply?

The Paycheck Protection Program is a loan designed to provide direct incentive for small businesses to keep their workers on their payroll. Loans may be fully forgiven if the funds are used strictly for payroll, interest on mortgages, rent and/or utilities.

Any small business, non-profit or self-employed persons may apply. See the PPP FAQ for more details.

How do I apply?

To apply for the PPP, you must submit this form.

To find a lender, visit the SBA site.

SBA Debt Relief

What is SBA Debt Relief? Who can apply?

The Small Business Association will pay 6 months of principal, interest, and any associated fees that borrowers owe for all current 7(a), 504 and Microloans in regular status.

Borrows need not apply, the payments should begin being made automatically.

Debt Relief applies to all loans made before September 27, 2020. To apply for a new loan, start here.

Economic Injury Disaster Loan (EIDL)

What is the EIDL? Who can apply?

The EIDL is an advance of $10,000 designed to provide economic relief to businesses currently experiencing a temporary loss of revenue. The loan will not need to be repaid.

Currently, the EIDL has been limited to agricultural businesses of fewer than 500 employees only.

How can I apply?

To apply, visit the SBA Distaster Loan Assistance online application here.

SBA Express Bridge Loans

What is an Express Bridge Loan? Who can apply?

An Express Bridge Loan allows small businesses to borrow up to $25,000 to help over come temporary losses of revenue they may be experiencing due to the COVID-19 pandemic.

Express Bridge Loans are limited to those businesses who already have a business relationship with an SBA Express Lender. Small businesses should contact their lenders for details.


Essential Businesses & Reopening

At the time of writing, under Executive Order from Gov. Cuomo, businesses considered essential and those in Phases One through Four in regions that have met reopening criteria are allowed to be open. For more information on business opening, visit the New York Forward website.

At the time of writing, Suffolk County has met the criteria for reopening “Phase Four” businesses. To check if your business meets the requirements for reopening, use the New York Business Express Reopening Toolkit.

Nonessential businesses will reopen in NY in four stages, or “phases,” determined by the Governor’s office. These phases are as follows:

Phase One: Construction; Agriculture, Forestry, Fishing and Hunting; Retail (curbside
or drop-off only); Manufacturing; and Wholesale Trade.
Phase Two: Professional Services; Retail; Administrative Support; and Real Estate.
Phase Three: Restaurants and Food Services.
Phase FourArts and Entertainment; Recreation; and Education.

If you have questions regarding which phase your business falls, visit the Suffolk County Business Recovery Reopening Guide.

The New York State Department of Economic Development has issued guidelines to determine whether or not a business is essential. Those businesses are listed in their Executive Order, which can be found here.

You can submit a request for consideration as an essential business, or request clarification on your business’s current status, to the Empire State Development office here.

Effective April 15th, under Executive Order from the Governor, all businesses must provide face masks for all employees in contact with the public or other employees at the employers expense.

Further guidelines are detailed for each business, by their specific industry, on the Suffolk County Business Reopening Guide under “Industries Opening by Phase.”

This provision may be enforced by local governments or law enforcement. Failure to comply with this requirement may be considered a violation of Public Health Law.

State & Local Financial Resources

Small Business Development Center

The Small Business Development Center is here to advise you in navigating loan and grant applications, applying for assistance through the SBA, and other business-related challenges. You can schedule an appointment to speak with one of their business advisors by clicking here.

SBDC Local Branch:
350 Motor Parkway Suite 109, Hauppauge NY

SCORE Long Island

SCORE Long Island is a network of business mentors available to assist business owners with SBA programs, including the PPP, EIDL, Express Loans and Debt Relief, for free.

To schedule an appointment to speak with a business mentor, visit SCORE Long Island.

Suffolk County Gift Card Portal

If you own a local business, you can register with the Suffolk County Gift Card Portal to allow local patrons to support your business by purchasing gift cards.



Tax and Debt Relief

When are my taxes due?

State and federal tax payment deadlines have been extended to July 15th, 2020.

Can I get help with my debts or fees?

Businesses that have accrued penalties and/or interest for late tax payment or tax returns (deadline of March 20th) due to COVID-19-related circumstances may have them waived or reduced. For more information and to apply, visit the NY Department of Taxation and Finance’s Tax Relief portal.

Businesses may apply for a temporary suspension of debts owed to New York State that have been referred to the Office of the Attorney General for collection and litigation if they have been impacted financially by the COVID-19 pandemic. For more information and to apply, visit the Attorney General’s application website.



Additional Grants & Funding

Long Island Community Foundation

The LICF’s COVID-19 Long Island Philanthropic Response Fund has been established to provide aid to nonprofits experiencing financial hardship due to the coronavirus in the form of grants to meet specific urgent needs.

To apply for funding, fill out the Grant ApplicationGrant Proposal Summary and Grant Program Budget forms and email them to


Facebook is setting aside $100 million in grants for small businesses that are being disrupted by COVID-19. For more information, click here.