At the Lakewood Chamber of Commerce, we’re continuing to monitor the development and the impact of the COVID-19 pandemic. Our goal is to continue to keep the business community up to date on these developments, without causing undo alarm or rehashing outdated or irrelevant information.

Latest COVID-19 Updates:

The City of Lakewood, LakewoodAlive, and the Lakewood Chamber of Commerce are partnering to provide accurate information and resources for Lakewood businesses affected by COVID-19. This is a rapidly evolving situation and we will continue to update this page as new information becomes available.  If there are any questions or concerns, please contact one of the resources provided in the contacts list. Click here for complete list of business resources.

SBA Increases Lending Limit For COVID-19 Economic Injury Disaster Loans  

Starting the week of April 6, 2021, the U.S. Small Business Administration is raising the loan limit for the COVID-19 Economic Injury Disaster Loan (EIDL) program. Applicants can now receive a maximum loan amount of $500,000. The lending limit increased from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. 

Requesting EIDL Increases 

Business that have already received the Economic Injury Disaster Loan do not need to submit a request for an increase at this time. SBA will reach out directly via email and provide more details about how businesses can request an increase closer to the April 6 implementation date. 

New and Pending EIDL Applications  

Any new loan applications and any loans in process when the new loan limits are implemented will automatically be considered for loans covering 24 months of economic injury up to a maximum of $500,000. 

EIDL Deferment Update 

The SBA announced on March 12, 2021 extended deferment periods for all disaster loans until 2022. SBA will extend the first payment due date for disaster loans made in 2020 to 24-months from the date of the note and to 18-months from the date of the note for all loans made in calendar year 2021.  Read more 


If you have questions about the Economic Injury Disaster Loan program, the SBA Customer Service Center is available to provide assistance from the hours of 7:00 am to 7:00 pm CST, 7 days a week, at (800) 659-2955, or via email at Please also see more EIDL resources below. 

Stay updated 

Visit for updates on the loan programs, guidance for businesses and employers, and other SBA resources. 

If you have questions about your already submitted EIDL application, contact the SBA Disaster Customer Service Center at (800) 659-2955 or

Follow @SBA_Cleveland on Twitter. 

City of Lakewood Rent Relief

The City of Lakewood is utilizing approximately $450,000 in Coronavirus Aid, Relief, and Economic Security Act (CARES Act) funding received from the U.S. Department of Housing and Urban Development (HUD) to stabilize and fortify small businesses negatively impacted by the COVID-19 pandemic. The Small Business Relief Program provides emergency assistance to income-eligible Lakewood businesses with five or fewer employees that have experienced a reduction in revenue as a result of the current public health emergency. Assistance is up to $7,000 per business to cover rental expenses for the period April 1, 2020, through August 1, 2020, and payroll expenses. Please note that payroll only becomes eligible if the reimbursable amount of rent falls below the program’s $7,000 cap.

The City is partnering with LakewoodAlive to provide eligible businesses with information and guidance regarding the program’s requirements and application process. Support can be provided for Lakewood businesses that meet at least the following eligibility requirements:

  • business must employ five or fewer employees, including the owner(s)
  • business owner’s current household income must meet HUD’s income guidelines
  • business cannot be home-based
  • business must rent Lakewood commercial or retail space in which the owner does not have an ownership interest

Please click here, review eligibility, required documentation, and income guidelines on the right side of the page to see if you might qualify. Please contact Ian Andrews at should you seek assistance with any aspect of the application process.


Cleveland Clinic/UH COVID-19 Collateral

200578_CC_UH_COVID-19 co-branded resource guide_masthead1_F_HR

200578_CC_UH_COVID-19 co-branded POSTER_F_HR


PPP Forgiveness Form and Instructions 


Reopening Resources, Guidelines, and Best Practices

  • Governor DeWine announced when restaurants and bars in Ohio will be permitted to reopen. Outdoor dining may resume May 15th and dine-in services may resume May 21st. Attached are detailed lists of guidelines and best practices as well as statements of support from the Ohio Restaurant Association and the National Federation of Independent Business- Ohio Chapter: Restaurant and Food Establishment Best Practices 05.07.2020 Sector fact sheet 4 Restaurants 05.07.20
  • Governor DeWine also announced that personal services such as hair salons, barbershops, day spas, nail salons, and tanning facilities may reopen on May 15th. Attached is a list of mandatory and recommended best practices for personal services.Sector fact sheet 5 Hair Salons 05.07.20
  • For the week ending May 2, 2020, the Ohio Department of Job and Family Services (ODJFS) reported 61,083 initial jobless claims to the U.S. Dept. of Labor. The number of initial jobless claims filed in Ohio over the last seven weeks (1,118,569) is 1,112 more than the combined total of 1,117,457 for the last three years. Over these last seven weeks, ODJFS has distributed more than $1.9 billion in unemployment compensation payments to more than 536,000 Ohioans. Pursuant to an order from the U.S. Department of Labor order, Ohio will release unemployment numbers on a weekly basis as soon as the national report is released on Thursday.
  • Attached are the following documents: CARES Act Forbearance Fact Sheet for Mortgagees and Servicers of FHA, VA, or USDA Loans and FAQ’s for high-risk populations. IACOVID19FB_FactSheetServicers
  • Ohioans can apply for unemployment benefits online 24 hours a day, seven days a week, at It is also possible to file by phone at 877-644-6562 or TTY at 888- 642-8203, Monday through Friday 7AM to 7PM, Saturday 9AM to 5PM, and Sunday 9AM to 1PM. Employers with questions should email
  • As always, Coronavirus.Ohio.Gov and the Department of Health hotline, 1-833-4-ASK-ODH are great resources for those who have questions.
  • Cleveland Clinic offers guidelines on how to create a safe work environment as well as a link to a recorded webinar titled “Getting Back to Work Safely: Click Here for Cleveland Clinic Resources
  • Chamber member Staples on W 117th Street has signage including on demand posters, social distancing graphics, flyers, and more all available through their print and copy resources. Staples P&M Brochure.

Attention 1099 Independent Contractors and Gig workers! 

Use link below to get “in line” and pre-resgister to receive the unemployment benefits: application:

Ohio’s Executive Order on commercial leaseholds – April 22, 2020, by the Ohio Land Title Association (OLTA) (credit James Havens):


5 New SBA Programs to help Businesses in the CARE Stimulus Package

This press release comes from the US Senate Committee on Small Business & Entrepreneurs. It looks like it may go to the house for a vote tomorrow (Friday, March 27, 2020). Click here to read the article

Ohio’s Stay at Home Order Effective March 23 at 11:59 pm

The Ohio Department of Health has issued a Stay at Home order which becomes effective at 11:59 pm on Monday, March 23, 2020.  Click here to read the full order which explains the parameters of the order and lists all of the businesses and organizations that are permitted to stay open.  Click here to read the Ohio Department of Health’s FAQs regarding the Stay at Home order.

Common Questions About Small Business Emergency Funding:

1. What loans are available to help small businesses during Coronavirus?

2. How do I get these loans?

  • Apply for the Economic Injury Disaster Loan directly from the SBA here.
  • Paycheck Protection Loans are government-backed but will come from private banks. You should inquire at your local bank about these loans. The Treasury Department has just released the loan application. You can see it here. You will still need to apply for the loan at your local bank. This is just the application.

3. How much can I borrow?

  • The Economic Injury Disaster Loan from the SBA can be up to $2 million working capital for up to a 30-year term at 3.75% (2.75% non-profits). Not everyone will qualify for that amount.
  • The Paycheck Protection Loans can be for 2.5 months of average payroll or $10 million — whichever is less.

4. Do I need to repay these loans?

  • You must repay the Economic Injury Disaster Loan from the SBA. Payments can be deferred for one year after the origin of the loan.
  • All or some of the Paycheck Protection Loan may be forgiven (converted into a grant). There are specific requirements about how you spend the loan and if you continue to employ your workers in order for it to be forgiven. Read them here.

5. What about the $10,000 emergency grant I’ve heard about?

  • The SBA is offering to advance businesses a $10,000 grant that does not need to be paid back. That grant will be paid quickly — in as little as three days.
  • You can apply for that $10,000 grant as part of the Economic Injury Disaster Loan process. If you are awarded the $10,000 emergency grant, you will not have to pay the grant (just the grant) back. You will still have to repay the rest of your SBA Economic Injury Disaster Loan.

6. Can self-employed workers and freelancers apply?

  • Paycheck Protection Loans are available to 501(c)(3)s, self-employed, sole proprietors, and independent contractors.
  • SBA Economic Injury Disaster Loans are available to small businesses and non-profits (including faith-based) with fewer than 500 employees, sole proprietors, and independent contractors.

7. Can you apply for both loans?

  • Yes. You can apply for and receive both loans.

8. Do I need good credit to qualify for these loans?

  • The Paycheck Protection Loan requires no collateral and no personal guarantee.
  • The Economic Injury Disaster Loans are given based on credit scores. No tax returns are required. You can borrow up to $200,000 without a personal guarantee.

9. What if I’ve already fired or laid off my employees? Do I still qualify for a Paycheck Protection Loan?

  • Your loan may be forgiven if you bring back employees and restore wages generally within 30 days and maintain them through June 30.

10. My bank doesn’t seem to know anything about the Paycheck Protection Loan. Now what?

  • Banks are currently working out the details but are expected to be ready by April 3. The Treasury Department has released more details on the loan here. You can also view the application here. You will still need to apply through a private bank.

Unemployed Workers:

Ohioans are signing up for unemployment insurance benefits.  The wait times to sign up may belong so they are encouraging people to apply online: Please take a look at for some FAQs or you may contact the state at 877-644-6562 with questions or to apply.

Individuals who are quarantined will be considered unemployed and be able to apply for support. Companies that determine it is necessary to shut down operations due to the COVID-19 outbreak will also be able to apply for unemployment benefits. Additionally, the one-week delay for eligible workers to receive assistance will be waived.

Health & Safety Resources:

Financial Resources for Small Businesses:

Other Useful Information for Community Members and Small Businesses:

Please feel free to contact us directly with your questions, concerns, or innovative solutions. Encouraging news and stories of good deeds are always welcome and appreciated!
Be good neighbors and stay well Lakewood!