COVID-19 Business Resources

Coronavirus (COVID-19) Resources and Guidelines for Businesses 

OzSBI is dedicated to providing business counseling as well as resources and guidelines available for businesses during the current Coronavirus (COVID-19) outbreak. Please know the OzSBI community and our resource partners are here to support you during this unprecedented time. We will be sharing news and resources as information becomes available for businesses below. 

The wellness and safety of our community, clients and guests are of the utmost importance to OzSBI. We are implementing precautionary measures to help us protect our community while continuing to help businesses grow. OzSBI's lobby is currently closed to the public. Staff members are available by phone during our normal business hours of 8:30 a.m.- 4:30 p.m., Monday-Friday. 

We stand ready to serve your business needs. To schedule a consultation or if you have questions, please call us at 417-256-9724. We’re here to support you. 


Funding available to businesses impacted by COVID-19:

Paycheck Protection Program (PPP)*

*President Biden has signed the PPP Extension Act of 2021 into law, extending the Paycheck Protection Program an additional two months to May 31, 2021, and then providing an additional 30-day period for the SBA to process applications that are still pending. 

The Paycheck Protection Program (PPP) is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. The SBA will forgive loans if all employees are kept on the payroll for eight to twenty-four weeks and the money is used for payroll, rent, mortgage interest, or utilities. The Paycheck Protection Program will be available through May 31, 2021. Please check the following resources often, as updates become available.

Paycheck Protection Program (PPP) SBA Guide

First Draw Paycheck Protection Program (PPP) Application Form 

First Draw Paycheck Protection Progam (PPP) Overview

Second Draw Paycheck Protection Program (PPP) Application Form

Second Draw Paycheck Protection Program (PPP) Overview

Paycheck Protection Program (PPP) Loan Forgiveness Application Form 

How to Get Full Paycheck Protection Program Loan Forgiveness

Paycheck Protection Program (PPP) FAQs for Small Businesses

SBA Procedural Notice


Economic Injury Disaster Loan (EIDL)* 

*On January 12, 2021, the SBA announced the Economic Injury Disaster Loan (EIDL) program for the COVID-19 pandemic disaster declaration is extended to December 31, 2021. EIDL loans are offered at very affordable terms, with a 3.75% interest rate for small businesses and 2.75% interest rate for nonprofit organizations, a 30-year maturity, and an automatic deferment of one year before monthly payments begin. Small business owners and qualified agricultural businesses in all U.S. states and territories are currently eligible to apply for a low-interest loan due to COVID-19. 

The U.S. Small Business Administration is now offering low-interest federal disaster loans for working capital to Missouri small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Applicants will apply online and receive additional disaster assistance information hereAfter your application is successfully submitted through the streamlined, online application through the SBA's website, your screen will display an application reference number conifiming your applications was sent for processing. The first SBA processing contact will be by email from SBA inviting you to create a loan portal account to review your potential EIDL offer. Be aware of scams and groups posing as the SBA. The SBA will contact you via email in regard to your application, so be sure to check your spam and junk folders for their emails. 

Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email for more information on SBA disaster assistance. Individuals who are deaf or hard-of-hearing may call (800) 877-8339. 

Additional resources are included below. 

SBA Economic Injury Disaster Loan Application 

SBA Economic Injury Disaster Loan Guidance and Resources

SBA Economic Injury Disaster Loan FAQ 

SBA Economic Injury Disaster Loan and Agricultural and Farm Loan FAQ

SBDC Disaster Relief Guide


Shuttered Venue Operators Grant (SVOG)*

*The SBA will begin accepting Shuttered Venue Operators Grant Applications on April 8. Potential applicants should get registered in the federal government's System for Award Managment (, as this is required for an entity to receive a SVOG.

The Shuttered Venue Operators (SVO) Grant program was established by the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act, signed into law on December 27, 2020. The program includes $15 billion in grants to shuttered venues, to be administered by the SBA's Office of Disaster Assistance. Eligible applicats may qualify for SVO Grants equal to 45% of their gross earned revenue, with the maximum amount available for a single grant award of $10 million. $2 billion is reserved for eligible applications with up to 50 full-time employees. Please check the following resources often, as updates become available. 

SBA Shuttered Venue Operators Grant

SBA Shuttered Venue Operators Grant: Preliminary Application Checklist

SBA Shuttered Venue Operators Grant FAQ

SBA Shuttered Venue Operators Grant Application Portal Video Tutorial


Federal Pandemic Unemployment Compensation (FPUC)

On December 27, 2020, President Trump signed into law the Consolidated Appropriations Act of 2021, reauthorizing the payment of Federal Pandemic Unemployment Compenstation (FPUC) benefits. The Missouri Department of Labor and Industrial Relations' Division of Employment Security began processing $300 FPUC payments to eligible unemployed workers on Januaray 4, 2021. The FPUC benefits are only payable with the week beginning December 27. The last payable week for the $300 FPCU payment will be the week ending March 13, 2021. Through the FPUC program, those who are eligible for at least $1 of unemployment compenstation benefits during the week will receive an additional $300 per week as a federal supplement. Please check the following resources often, as updates become available. 

New COVID-19 Unemployment Benefits: Answering Common Questions

U.S. Department of Labor Guidance on Unemployment Insurance Programs

For Employers: Filing a Contribution & Wage Report

For Employers: Shared Work Program 

For Employers: Filing a Mass Claim

*Due to the high volume of Unemployment Insurance claims, if you do not currently have a Missouri Access Debit Card, it is strongly encouraged for any claimant with a bank account to select Direct Deposit as their benefit payment method. At this time, it is the most time-efficient method to receive payment. Due to extremely high call volumes, the Missouri Access card provider is experiencing longer than normal wait times to answer calls. If you need to check the balance on your MoAccess debit card, ask how to use the card, or have any other card-related questions, you can access your card account information at If you need to check the status of your unemployment claim, please access UInteract can quickly give you information about the status of you claim, weekly payments, claim balance, and much more.  


Shared Work Unemployment Compensation 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 up to 52 weeks. 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.

Shared Work Program Overview - An Alternative to Laying Off Employees 


Missouri On-site Safety and Health Consultation Program

The Missouri On-site Safety and Health Consultation Program is helping small businesses return to work. See if your business qualifies for a free COVID-19 mitigation or OSHA compliance consultation below. 

Apply for a Safety Consultation


Legal Guidance to Navigate the New Workplace Health Guidelines

Understanding wellness and health guidelines as a result of Covid-19 is a challenge for many business industries. See the following resources for guidance on workplace policies relating to health and safety.

MO Enterprise Webinar: Legal Guidance to Navigate the New Workplace Health Guidelines


Stay at Home Order Guidance 

Missouri Governor Mike Parson announced the first phase of the “Show Me Strong Recovery” Plan outlining how Missouri will gradually begin to reopen economic and social activity on Monday, May 4, 2020. Find information specific to businesses reopening below. 

Missouri Department of Health and Senior Services Guidance for Business Operations 

Show Me Strong Recovery Plan FAQs


Additional COVID-19 Grants and Tools for Businesses

Check out some of these organizations who are contributing to ease the financial burdens many businesses are facing during the COVID-19 outbreak with funding opportunities and free or reduced pricing on products. 

Free Amazon Small Business Academy Webinars 

Free Reports with Bizminer's LOOK UP! Small Business Monitor 

Small Business Relief Initiative - GoFundMe Grants

LISC Small Business Relief Grants 

Amber Grant for Women 

Phillips Media Group Small Business Marketing Grant Information

Thryv Small Business Adapt Program 

Constant Contact Small Business Support Kit

Free eBay Store Setup with "Up & Running" Program (limited time) 

Visa Back to Business Project 

Free Planning Shop Live Webinars 

Google Ad credits for Small and Medium-sized Businesses


Additional COVID-19 Resources for Businesses

Many online platforms are offering guidelines and education on best practices for businesses amid COVID-19. See the online platforms below for more information. 

Facebook Business Resource Hub 

Finagraph CashFlowTool Business Resource Center 

Google My Business Help Center 

Google Remote Work Hub 

Intuit QuickBooks Small Business Relief Guide 

Intuit QuickBooks Aid Assist 

COVID-19 LivePlan Resources 

Moody's Analytics COVID-19 Blog

Nav SBA CARES Act Calculator 



COVID-19 Relief Legislation for Employees and Employers

The Families First Coronavirus Response Act (FFCRA or Act) requires certain employers to provide employees with paid sick leave or expanded family and medical leave for specified reasons related to COVID-19. The Department of Labor’s (Department) Wage and Hour Division (WHD) administers and enforces the new law’s paid leave requirements. These provisions will apply from the effective date through December 31, 2020.

Families First Coronavirus Response Act: Employee Paid Leave Rights

Families First Coronavirus Response Act: Employer Paid Leave Requirements

Families First Coronavirus Response Act: Questions and Answers

COVID-19 FAQs for Business & Workers 


MOSourceLink Portal for COVID-19 Business Updates

MOSourceLink, one of OzSBI's resource partners, is providing access to an online portal of information for businesses impacted by COVID-19. Use this portal to stay informed on updates regarding small business assistance, announcements and tips for disaster relief funding, workforce and HR concerns and more. If you are a business owner or entrepreneur, please help assess the needs of the small business community by completing the survey below from MOSourceLink. This data will help guide policy and decision-makers as funds become available. 

MOSourceLink COVID-19 Portal 

Missouri Small Business and Entrepreneur Needs Assessment - COVID-19 Impact


USDA Rural Development Measures for Rural Residents, Businesses and Communities Affected by COVID-19

USDA Rural Development has taken a number of immediate actions to help rural residents, businesses and communities affected by the COVID-19 outbreak. 

Opportunities for Immediate Relief: Rural Housing, Rural Utilities, Rural Business-Cooperative Service and Deadline Extensions 


MO AgConnection Assistance for Farmers and Ranchers 

AgButler is a gig economy platform that serves as a solution to a rural labor shortage in America. They provide on-demand jobs giving farmers and ranchers access to a high-quality labor force while boosting rural economies. This Missouri startup has recently partnered with the Missouri Farm Bureau to create MO AgConnection, connecting students who are home during COVID-19 with farmers and ranchers who need assistance maintaining critical food supplies.


MO AgConnection 


Business updates available through Missouri Department of Economic Development  

The Missouri Department of Economic Development (MO DED) works to create an environment that encourages economic growth by supporting Missouri’s businesses and diverse industries, strengthening our communities, developing a talented and skilled workforce, and maintaining a high quality of life. Please see a guide of COVID-19 resources available to businesses from the MO DED below. 

MO DED COVID-19 Business Resources 


How can businesses prepare for the impacts of Coronavirus (COVID 19)?

Interim Guidance for Businesses and Employers 

Combating the Coronavirus - Resources, Response, Impact 

Know Your Ready Rating 


How can business leaders and employees prevent spreading of the Coronavirus (COVID 19)? 

Environmental Cleaning and Disinfection Recommendations

The President's Coronavirus Guidelines for America - 15 Days to Slow the Spread

Handwashing: Clean Hands Save Lives

Coronavirus Disease 2019 (COVID-19) Prevention, Symptoms and FAQ 


What should businesses know about making the transition to working remote? 

How to Develop a Business Continuity Plan

Best Tips for Working from Home Effectively

The Remote Company Checklist


What practices should businesses use when communicating with customers? 

Coronavirus Response Toolkit

Customizable Workplace Flyer 

5 Ways to Retain Your Customers During the Coronavirus Outbreak 


How is our region responding? 

Area Cancellations, Closures, Postponements and Modifications


Additional Resources: 

Missouri Department of Economic Development

Missouri Department of Health & Senior Services 

U.S. Small Business Administration 

U.S. Department of Labor 

The White House 

World Health Organization 

COVID-19 Information for Manufacturers