Resources to Help You Recover from Financial Hardship resulting from COVID-19


Whether you are an employee, business owner, student, or family affected by Covid-19, the following resources are a starting point to help you cope and recover financially. If you are looking for non-financial resources and information, please visit the library's Covid-19 information page.

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Unemployment assistance for employees

Cash or monetary assistance

Student loan assistance

Nutrition and food assistance, and well being assistance

Resources for business owners and employers


Unemployment assistance for employees

Individuals who have lost their job as a result of COVID-19 can visit the Illinois Department of Employment Security (IDES) for FAQs about eligibility for unemployment insurance

10 things to know before applying for unemployment insurance in Illinois, including a link to file your claim.

See the FAQ's on Unemployment in Illinois on the State of Illinois Coronavirus response page.

Unemployment insurance claimants must also register with the employment service: Employment Service Registration Requirements

For additional information, Call IDES at 1.800.244.5631 or visit the IDES website

Freelancers who do not qualify for their state's unemployment insurance may apply for Federal Emergency Management Agency (FEMA) Disaster Unemployment Assistance

Are you looking for a job? Lake County is maintaining a list of opportunities.

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Cash or monetary assistance

Temporary Rental Assistance information

Cash assistance for pregnant women and families with children: Temporary Assistance for Needy Families

Financial assistance for musicians: The Recording Academy MusiCares or Musicians Foundation

Financial assistance for bartenders, spouses of bartenders, or children of bartenders: Bartender Emergency Assistance Program

DJs can report lost gig revenue for the purposes of collecting good samaritan donations

The City of Chicago and the State of Illinois have collaborated on a relief fund for artists and art organizations. Learn more here about Art for Illinois. Donate or Apply for funding here.

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Student loan assistance

Coronavirus and Forbearance Information for students, parents, and borrowers

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Nutrition and food assistance and well being

Supplemental Nutrition Assistance Program

Moraine Township Food Pantry

West Deerfield Township Food Pantry

Contact Lake County's 211 to be connected with someone well-versed in Lake County organizations and operations that will direct you to services, resources, and help. On a phone, text 898211 or dial 211.

Apply for health insurance

Apply for Illinois Medicaid

Centers for Disease Control (CDC): COVID-19 protection and steps if you think you are sick

Illinois Department of Health: State of Illinois COVID-19 info

Lake County Health Department & Community Health Center: Lake County COVID-19 info


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Resources for business owners and employers

Updated May 26, 2020

If you are an essential employer who is hiring, complete the Job Opportunity Form and a Lake County Job Center team member will get in touch with you. 

Employers seeking to avert layoffs can access and use Rapid Response Layoff Reporting & Services


Find industry-specific toolkits and guidelines for re-opening your business here

Find the PPE you need to safely operate your business in phase 3. See the Lake County Partners list of vendors here


The Small Business Survival Guide offers Lake County small businesses steps to recovery during the COVID-19 pandemic. For more information, contact the Small Business Development Center (SBDC) at the College of Lake County (CLC):

19351 W. Washington St.
Grayslake, IL 60030
Room E186
Phone: (847) 543-2033
Fax: (847) 223-9371


The CDC has a list of resources for businesses and employers

See a list of resources compiled by the State of Illinois that are part of the Coronavirus response.

FAQ's on the Food Service Industry from the State of Illinois Coronavirus response page.


Financial resources for businesses:

Lake Forest and Lake Bluff both have set up grant programs for businesses. Find the Lake Forest application here, and the Lake Bluff application here. Questions from applicants can be directed to or


A very thorough list of resources and programs related to the impact of Covid19 put together by the Illinois DCEO office of Entrepreneurship, Innovation and Technology can be found here. This document will be updated daily.

See the IRS Guide on Coronavirus Tax Relief. Taxes have been delayed until July 15, 2020.

Sales Tax Deferral for Bars and Restaurants: IDOR's informational bulletin.


State of Illinois

Illinois Hospitality Emergency Grant Program--specifically for the hospitality industry in Illinois, like bars, restaurants, and hotels all qualify. Works on a lottery system. Representatives will reach out to unsuccessful applicants to direct them toward other resources.

Illinois Small Business Emergency Loan Fund

Loans are for up to 50k with low interest rates. Borrowers must be in Illinois, outside the City of Chicago, have less than 50 employees, and had less than 3 million in gross revenue in 2019, and must have been in business for at least one year. Businesses must also prove an impact of a 25% ore more reduction in revenue as a result of Covid19. Farms and non profits are not eligible

Five year term, pay nothing the first 6 months. All funds must be used for working capital, and at least 50% must be used on payroll, including employee benefits. Application requires bank statements and tax returns, and proof of location in Illinois. Does require a credit check, scores over 500 encouraged to apply.

          May 13, 2020 Update - The IL Small Business Emergency Loan Fund is currently at capacity in regard to the number of applications that can be processed. Please check back daily, as this may change. 



Paycheck Protection Program Fact Sheet (PPP): The PPP authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. Access the PPP Loan Application Form, which is due June 30th. Qualifying businesses and private non-profits must have fewer than 500 employees. Can also apply to independent contractors. Money is still available, applications are being accepted

The PPP is based on historical average wages over the most recent 12 months or calendar year of 2019. Up to 10 million, average monthly payroll determines eligibility. 75 percent or more of the loan funds must be proven to be used on payroll expenses (including non-cast benefits), and the average employee head count must be maintained for the loans to qualify for forgiveness. Must be through an SBA approved lender. No collateral or personal guarantee required.

Find PPP FAQs and guidance from the U.S. Treasury on PPP loan forgiveness here

Access the PPP Loan Forgiveness Application.

A list of all eligible lenders based on your zip code can be found here


Small Business Administration Loans:Small business owners in all U.S. states and territories are currently eligible to apply for a low-interest loan due to Coronavirus (COVID-19).

SBA Loan - Borrower Information Form. “The purpose of this form is to collect information about the Small Business Applicant (“Applicant”) and its principals, the loan request, indebtedness, information about current or previous government financing, and certain other topics. The information also facilitates background checks as authorized by section 7(a)(1)(B) of the Small Business Act, 15 U.S.C. 636(a)(1)(B). This form is to be completed by the Applicant and all individuals identified below and submitted to your SBA Participating Lender.”


SBA Economic Injury Disaster Loans & EID Loan Advance: The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. Qualifying businesses will have fewer than 500 employees. Loans under 500k do not require collateral, and loans under 200k do not require a personal guarantee.

The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Up to 10k in funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.


A working capital loan can be used for anything that a business would have been able to pay normally had Covid19 not happened. Learn about SBA 7a loans here.


SBA loan subsidy program: as a part of the CARES Act, the SBA will pay 6 months of all existing SBA loans. Does not apply to the PPP. This is supposed to happen transparently, lenders are supposed to contact qualifying loans and let borrowers know that they should not make payments. If a payment was made during the time period, the lender should ask the borrower if the borrower wants a refund or if the borrower wants the payment applied to the principle.


Express Bridge Loan Pilot Program--”This pilot program allows SBA Express Lenders authority to deliver expedited SBA-guaranteed financing on an emergency basis for disaster-related purposes to eligible small businesses, while the small businesses apply for and await long-term financing.”


Still have more questions? Check out the College of DuPage Business Development Center FAQ's. Find further business resource links, information, and partners on the Lake County Partners website. Or, sign up to receive updates from the SBDC at CLC.


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