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The Ashland Chamber of Commerce is deeply involved in the COVID-19 issue at the community level. We are passionate about helping you navigate the incredibly challenging times as information and resources become available to us. Through our community partnerships, we are finding access to resources and will be adding them to this page as we receive the information. Information about new regulations, tax benefits, loans, grants and more are changing rapidly. Please refer to this page for updated information frequently as we work to keep up with these rapid changes.


Small Business Financial Aid Programs- Federal:

During the month of March, the Federal Government approved three pieces of Legislation regarding COVID-19 and Relief. The following are components for small business financial relief including a program description and where to apply for support. The notes are a compilation of resources from Senator Jeff Merkley, Senator Ron Wyden and the National Federation of Independent Businesses. The information is changing quickly.  

SBA Economic Injury Disaster Loan Grant (Eligibility tied to EIDL- details pending)​

  • Loan program available through the SBA providing 3.75% interest loans of up to $2 million for small businesses and providing loans at 2.75% for non-profits.

  • The loan is solely based on the applicant’s credit score

  • 30 year loans without a penalty of early payoff

  • Loans under $200,000 can be approved without a personal guarantee

  • The SBA has included a very detailed eligibility worksheet with the application on their website: https://covid19relief.sba.gov/#/

SBA Emergency Economic Injury Disaster Loan Grant

  • Grant program for quick access to funds of up to $10,000

  • Funds available within three days of application

  • Funds are forgivable

  • Funds can be used to cover: paid sick leave, maintaining payroll, meeting costs to obtain materials, rent & mortgage payments, repaying obligations that cannot be met due to revenue losses

Paycheck Protection Program Loans (Forgivable) https://www.sba.gov/funding-programs/loans/paycheck-protection-program-ppp

  • New Federal Loan program for businesses, independently owned franchises, sole proprietors, independent contractors, self employed and 501c3 non-profit Organizations

  • Must have been in business since 2/15/2020

  • Borrowed amount eligibility: 2.5x average monthly payroll for previous years (up to $10 million)

♦ For seasonal employers, the average total employees shall be calculated for the period between 2/15/19 and 6/30/19

  • Loan Terms:

♦ Loan payments (and interest) are deferred at least six months and up to one year from when the loan originates

♦ No interest rate higher than 4%

♦ 10 year maturity

♦ SBA guarantees 100% of the loan- no collateral is required

♦ No prepayment penalty

  • Allowed Usage of Funds:    

♦ retain workers, maintain payroll

♦ make mortgage payments, lease payments, and utility payments

♦ Can only be used on expense incurred from 2/15/2020 and 6/30/2020

  • Forgiveness Component

♦ Eligible expenses to be forgiven include:

¤ Borrowers can choose which 8 weeks they want to count towards the covered period, which can start as early as February 15, 2020

¤ Payroll costs. Note: Employers with tipped employees may receive reimbursement for additional wages paid to those employees during the outbreak.

¤ Costs related to health care benefits and insurance premiums.

¤ Employee salaries, commissions or compensations.

¤ Interest payments on mortgages (funding shall not go towards the principal).

¤ Rent.

¤ Utilities.

¤ Interest on other outstanding debt obligations (incurred before the COVID outbreak, which began on February 15, 2020)

Senator Merkley’s COVID-19 Overview: http://www.ashlandchamber.com/files/20.03.27-Small-Business-Assistance.pdf

Senator Ron Wyden’s COVID-19 Overview: https://www.wyden.senate.gov/imo/media/doc/Summary%20of%20COVID-19%20bills%20and%20Available%20Resources.pdf

Department of Labor and Federal Information about Unemployment & Scheduling:

State of Oregon Resources:

  • COVID-19 Related Business Layoffs, Closures, and Unemployment Insurance Benefits & Related Materials

♦ https://www.oregon.gov/employ/Pages/COVID-19.aspx

 Employment Scenarios:  https://www.oregon.gov/employ/Documents/EDPUB190_0320.pdf

♦ Oregon WorkShare Information- Work Share provides an alternative for employers and workers who may be facing the prospect of a lay off situation. https://www.oregon.gov/employ/Unemployment/Pages/Work-Share-Program.aspx

♦ Resources for employees who have been laid off: https://govstatus.egov.com/ORUnemployment_COVID19

Work Place Programs:

City of Ashland Resources:

Updates from Avista​:

Tourism & Hospitality Resources:

  • For our tourism industry members, Travel Oregon partners with the US Travel Association and Brand USA who are committed to ensuring that travelers are provided with accurate, updated information about public health conditions in Oregon. For the latest travel alerts, visit https://www.cdc.gov/coronavirus/2019-ncov/travelers/index.html or www.Industry.TravelOregon.com.

  • Oregon Restaurant and Lodging Association (ORLA) has created the following resources for hospitality businesses to find out information about COVID-19 and the Governor’s “Stay Home, Save Lives” Executive Order. 

♦ https://www.oregonrla.org/blog/orla-ceo-update-for-oregons-hospitality-industry

♦ https://www.oregonrla.org/covid19faq.html

♦ https://www.oregonrla.org/covid19_info.html

Legislative Updates:

♦ March 23, 2020: Link to Governor Brown’s Stay Home, Save Lives Executive Order: https://govsite-assets.s3.amazonaws.com/jkAULYKcSh6DoDF8wBM0_EO%2020-12.pdf​

Jackson County Public Health Department:

  • Jackson County Public Health has created a page on their website https://jacksoncountyor.org/hhs/Home that provides links from the Centers for Disease Control on the interim guidance on how to prevent the spread of COVID-19 for businesses, faith-based, long-term care facilities, and mass gatherings.

Tell your story:

  • Business Needs Letter in Response o COVID-19 from Business Advocacy Organizations https://files.constantcontact.com/42052618501/d5b2b64f-9424-4c1a-8ff6-8f8c0fa08a3a.pdf

  • In order to meet the threshold for federal small business assistance, Oregon businesses that have been impacted need to come forward and tell their story. OBI joins other chambers and business associations in requesting that these impacts be submitted to the Governor’s Office as soon as possible. Please submit how COVID-19 is impacting your business to leah.horner@oregon.gov​ 


Thank you to the Ashland Chamber’s Partners in Emergency Preparedness


Ashland Home - Real Estate Inc.
Alchemy Restaurant and Bar
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