Resources for businesses effected by COVID-19

City of Dunkirk Small Business Loan ProgramThe City of Dunkirk has a Small Business Loan Program in place to facilitate the expansion and retention of business activity within the City of Dunkirk.  Eligible activities may include:  operating capital, purchase of land or buildings, construction or renovation, up-fit tenant improvements, and/or purchase or equipment or inventory.  
Businesses in danger of closing due to the COVID-19 pandemic may be eligible for loans between $2000 – $25,000.  Visit for information and an application.

CCIDA Emergency Working Capital Loan Program

In response to the COVID-19 crisis and the impact it is having on businesses throughout Chautauqua County, the County of Chautauqua Industrial Development Agency (CCIDA) is providing low-interest loans not to exceed $10,000 to businesses throughout Chautauqua County. This emergency funding, which originates from the Al-Tech Loan Fund, can be used for working capital needs, and the normal application and securitization requirements are being relaxed.  While these emergency loans are to be paid back in their entirety, they will be interest-only for a minimum of three months, and leniency is being exercised in terms of normal collateral requirements.

New York State has now been approved as an Economic Injury Disaster State so our small businesses can now start the SBA Disaster State so our small businesses can now start the SBA Disaster Loan application process. The Economic Injury Disaster Loans are for small businesses. A business can apply for up to $2 million and the interest rate will be 3.75% (2.75% for nonprofits that qualify). Loans over $25,000 require collateral. Business will need their most recent Federal Income Tax Return and information on monthly sales. It is recommended that businesses look at the last three years of their Tax Return documents in order to develop a strong estimate on what their losses would be for this year. Loans can take up to 21 days for approval and then several more weeks for the closing documents to go through. Funds can be used for fixed debts, payroll, and other bills. The assumption (this is not confirmed yet) is that the loan payments will start five months after the loan dateThe application can be accessed online at: 

The Chautauqua County Visitors Bureau, the Chautauqua County Chamber of Commerce, and the County of Chautauqua Industrial Development Agency, together announce the launch of, a website geared toward promoting local restaurants and retail businesses. The website will initially contain a listing of restaurants that are remaining open for take-out services, as well as links to their websites and/or social media pages. We will also actively be promoting these businesses via various social media platforms. Please help us by patronizing our local restaurants and promoting our local establishments on your social media pages. Shop safe! Shop small! Shop local! 

Resources and Information
The Chautauqua County Chamber of Commerce has compiled a comprehensive list of information for businesses dealing with the impacts of COVID-19 in the workplace. The Chamber has also created a private Facebook group where businesses can discuss issues, seek help from the group, and share concerns and stories. Any local business can join the group here.

The County has also created webpage with additional resources at both and We will continue to provide links and resources for the business community as we navigate the COVID-19 situation. This information be continually updated during this fluid situation and will direct you to current information as well as resources, such as our CCIDA Emergency Working Capital Loan Program and SBA Loan Programs

SBA Federal Disaster Loan Program

The U.S. Small Business Administration’s (SBA) federal disaster loan program has been approved for all counties in NYS and is available for applications.  Low-interest loans for working capital are available to small businesses, small agricultural cooperatives, small aquaculture businesses and most private non-profit organizations suffering substantial economic injury as a result of the coronavirus (COVID-19) throughout New York State.

Information on the program, how to apply, and a webinar can be found on ESD’s website located here:

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