COVID-19 Updates & Resources

COVID-19 Relief Programs and Resources for Nonprofits

Cinnaire COVID-19 Special Resources

American small businesses and nonprofits are facing an unprecedented economic disruption due to the COVID-19 outbreak. Congress provided funding relief through the CARES Act. This page provides information on the CARES Act along with a a summary of a number of programs that have been launched by state governments and local municipalities to assist businesses and nonprofits with specific. This page will be updated continually through this economic crisis to provide you with links to programs and resources you can investigate as a way to support your operations.

COVID-19 Resources

During this time of crisis, it can be hard to keep track of all of the resources available and, more importantly, understand how they can be accessed. We are providing information on a few programs that will be critical for our partners and providing our recommendations on how to best access these routes. Resources for these programs are limited, so we encourage our partners to act quickly.

Eviction Diversion Programs 

Eviction Diversion Programs are designed to keep residents who fall behind on their rent during the COVID-19 crisis in their homes. CLICK HERE for information and links to Eviction Diversion Programs in your state.

Paycheck Protection Program (PPP)

Congress created an emergency program to provide small businesses and nonprofits with forgivable loans if they are used for payroll, rent, or utilities. It’s administered by the U.S. Small Business Administration (SBA), but the loans will be deployed by banks that already participate in the SBA’s regular loan program, known as “7(a)”. Some other financial institutions will also qualify. 

How does the program work? 

    • •The program is aimed at providing capital to cover the cost of retaining employees, as well as meeting other eligible costs such as interest on mortgages, rent, and utilities. 
    • •Funds are provided in the form of loans that will be fully forgiven when used for these eligible activities, with some limitations. Loan payments will also be deferred for six months. 
    • •Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels.
    • •Small businesses and nonprofits with fewer than 500 employees are eligible.
    • •You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that participates. 
    • See here for a helpful Q&A from the Senate Small Business Committee to answer more questions about how the program works. 

How to access this program:

  • •Any eligible or potentially eligible partners should connect with an SBA 7 (a) lender immediately.  The program operates on a first-come, first-served basis. The deadline to apply has been extended to August 8th.
  • •SBA lenders can be found here.
  • •The application form for PPP loans can be found here
  • •We also encourage you to stay in touch with your point of contact at Cinnaire to determine how best we can help. 

For more information on eligibility and program uses, please click here to see the SBA’a latest FAQs.

Economic Injury Disaster Loans (EIDL)

The SBA also operates a direct emergency lending program, called Economic Disaster Loans (EIDL). Small businesses and nonprofits are eligible for up to $2 million in working capital loans. Applicants are also eligible for a loan advance of up to $10,000 in grants that can be used for providing paid sick leave, maintaining payroll, meeting increased costs, and other activities. 

The interest rate is 3.75% for small businesses and 2.75% for nonprofits. 

How to access this program: 

  • •If you believe you are eligible or potentially eligible, we encourage you to review the details of the program and application. The program operates on a first-come, first served basis. 
  • •Applications can be made directly with the SBA here
  • •SBA District Offices and resources such as the Small Business Development Centers can assist with your application.
  • •We also encourage you to stay in touch with your point of contact at Cinnaire to determine how best we can help. 

State and Local Responses

The National League of Cities (NLC) and Bloomberg Philanthropies has put together a growing list of local policy changes related to COVID-19. They are categorized, and a few of the categories, like those related to housing, will be relevant. Please click here for more information. 

The National Council of State Housing Agencies (NCSHA) has a running list of resources on the impact of COVID-19 on the development of affordable housing and policy responses. Please click here to view these resources. 

NHT’s Energy Efficiency for All coalition has provided a state and local policy tracker. Please click here to access the tracker.  

Additional Resources and Information

CDBG Allocations: Congress provided an additional $5 billion for Community Development Block Grants. The allocation for CARES Act CDBG grants were released last week. Click here to see the allocations. 

Note: Borrowers can apply for both PPP and EIDL loans. If you ultimately receive a PPP loan or refinance an EIDL into a PPP loan, any advance grant amount received under EIDL would be subtracted from the amount forgiven in the PPP. EIDL loans must also be used for different purposes (i.e., they cannot be duplicative). 

Nationwide Resources

Opportunity Finance Network (OFN) is working with CDFIs to ensure that credit continues to flow in rural, urban and Native communities nationwide. Click here for more information. 

The National Low Income Housing Coalition (NLIHC) is sharing guidance and resources on the COVID-19 crisis as it relates to housing and homelessness. Click here for more information.

The Corporation for Supportive Housing (CSH) has compiled a list of resources for supportive housing providers. Please click here to view the resources.

Construction activity has been included as an essential activity in most states, but there are some areas where construction is limited. Click here to view where construction is considered essential.

Property Management Resources

The Michigan Housing Council has compiled a list of recommendations for property managers. Please click here

Helping residents access their stimulus check could result in better rent collection. They will need access to a bank account. Details on stimulus payments and signing up for direct deposit can be accessed by clicking here.

State Resources 

State deadline relief for LIHTC projects

Cinnaire continues to advocate for federal relief for LIHTC project deadlines that are unrealistic due to the ongoing crisis. In the interim, state Housing Finance Agencies (HFA’s) have authority under Internal Revenue Service (IRS) guidance that authorizes program deadline extensions in disaster areas, such as Place in Service and 10 percent teas deadlines. Learn more here.

State Housing Finance Agency COVID-19 Notes & Statements

Michigan Resources

State of Michigan

State of Michigan – Unemployment Benefits

MSHDA Spring Funding Round and LIHTC Program Updates Memo 04/16/2020

Michigan Small Business Relief Program

Small Business Association of Michigan

Delaware Resources

Equitable Wilmington: COVID-19 Support for Individuals, Families and Small Businesses in Delaware

State of Delaware

Wilmington Strong Fund, a citywide small business relief fund.

Delaware Community Foundation

Delaware Reopening Protocols and Information

The City of Wilmington – COVID-19 Information Center

Wilmington is Working Equitable Technology Fund

Indiana Resources

State of Indiana

State of Indiana – Unemployment Benefits

Indiana Small Business Development Center

Indiana Housing & Community Development Authority (IHCDA)

IHCDA Tax Credit Relief under IRS Revenue Procedure 2014-49

Illinois Resources

State of Illinois 

State of Illinois – Unemployment Benefits

Illinois Department of Commerce & Economic Opportunity 

Illinois Housing Development Authority (IHDA)

Wisconsin Resources 

State of Wisconsin

State of Wisconsin – Unemployment Benefits

Wisconsin Housing & Economic Development Authority (WHEDA)

Wisconsin Economic Development Corporation 



Cinnaire’s Policy Pulse is an evolving update on policy developments, reports and trends designed to keep us informed on how federal issues and policies affect the affordable housing and community development industries. Click here to catch up on the latest Policy Pulse.

Cinnaire COVID-19 Podcast Series

Episode 15: Addressing the Challenges Facing Affordable Housing Developers, Managers and Lenders

Episode 14: Affordable Housing Managers Address the Serious Challenges the Crisis Presents

Episode 13: How Housing & Community Development Fit into Washington’s Policy ResponseEpisode 12: The COVID-19 Crisis: What it means for the Community Development and Affordable Housing Industries

CDFI Continuity & COVID-19 Webinar

Navigating & Learning this Uncharted Territory

In this informative CDFI Continuity & COVID-19 Webinar, five experienced CDFI leaders candidly share their strategies, best practices and experience on navigating and learning through COVID-19. Click here for more details and to view the webinar.

Cinnaire Responds to COVID-19

Our Response 3.18.20

Our Response 3.12.20

Cinnaire’s Response to COVID-19 Federal Policy

Our Response 03.31.20