Have you or your business been negatively impacted by COVID-19?

In the wake of COVID-19 many businesses have faced financial loss and many business owners have been forced to make difficult decisions that have negatively impacted their business. Thankfully, through local partnerships, federal relief funding and several in-house products, we have been able to provide financial relief for individuals and businesses alike.

Below is a list of federal relief programs. If you would like to apply and are curious about your eligibility or need help reviewing your application, please reach out to us. Whether you are a current client of CW or not, we would be happy to help however we can.


Eligible first time PPP borrowers:

  1. Cannot have received a PPP loan in 2020.
  2. Must show proof of being in business prior to February 15, 2020.
  3. Must be located in South Carolina.
  4. The average monthly payroll cannot exceed $40,000.
  5. Do not include any EIDL Loan amounts as we are not able to refinance EIDL loans.

To apply you must submit:

  1. A completed PPP application
  2. Loan Calculation Form (Click here to download).  Please use this in place of the online calculator in the application link.
  3. Documentation to substantiate the payroll expense
  4. Proof of business existence prior to February 15, 2020.

Items to submit with the online application:

  • 941 reports for either 2019 or 2020 depending on the time frame they are applying for
  • The Loan Calculation Form
  • Sole proprietors and independent contractors will need to submit either a 2019 Schedule C or complete a Schedule C for 2020 depending on the timeline you’re applying for
  • Articles of Incorporation/Organization of each borrowing entity, if applicable (i.e. Corporation, LLC, Partnership, Nonprofit)
  • By-Laws/Operating Agreement of each borrowing entity, if applicable.
  • Copies of driver’s licenses for all beneficial owners (own 20% or more of company or authorized individual for nonprofits).


  • Spend at least 60% of forgivable funds on payroll
  • We recommend selecting 24 weeks as your Covered Period

Prior to clicking the “Apply Now” button below, please click HERE to download the instructions for navigating the online portal.


All who are eligible can apply for a first time PPP loan. However, at this time CommunityWorks is only accepting 2nd draw applications from clients who obtained their PPP loan from CommunityWorks in 2020. If you received a PPP loan from CommunityWorks in 2020, please check your email for information on how to apply.

SBA Express Bridge Loans

Enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly.

SBA Loan Deferrals for 7(a)

The SBA will automatically pay the principal, interest, and fees of current 7(a), 504, and microloans for a period of six months.

SBA Loan Deferrals for Microloans

The SBA will also automatically pay the principal, interest, and fees of new 7(a), 504, and microloans issued prior to September 27, 2020.

Facing eviction?

The CDC moratorium on evictions was extended until March of 2021. You must provide your landlord with an affidavit form. It is best to hand it to your landlord if you can, but for proof, consider also sending it via certified mail, return receipt requested, and to provide a copy to the court if you receive a summons for evictions. Click here to learn more.

Crisis Business Coaching

Has your business been affected by COVID-19?

Sign up for a session with one of our business advisors to find out if you qualify for free business coaching to update your business plan.