USDA and its Federal partners have programs that can be used to provide immediate and long-term assistance to rural communities affected by the COVID-19 outbreak. This resource matrix organizes funding opportunities identified in the CARES Act and other federal resources that can help support rural America.


Due to an overwhelming request for CWCA loan funds, the Pennsylvania Industrial Development Authority (PIDA) has put a hold on accepting any new CWCA applications for the immediate future.  As of around 6:00 pm tonight, PIDA received 890 applications totaling approximately $75.6 million in loan requests (with only $61 million available).  We encourage you to complete your applications and hold on to them in the event the program opens again.

The COVID-19 Working Capital Access (CWCA) Program is administered by the Pennsylvania Industrial Development Authority (PIDA) and provides critical working capital financing to small businesses located within the Commonwealth that are adversely impacted by the COVID-19 outbreak.

The Pennsylvania Industrial Development Authority will provide up to $100,000 to eligible small businesses at 0% interest. Agricultural Producers will have a 2% interest rate.

Year 1:  No Payments

Year 2:  Principle & Interest payments based on a 12 year amortization

Year 3:  Principle & Interest payments based on a 12 year amortization

Balloon Payment after Year 3

Loan program dollar amounts will be based on prior 3 months operating obligations. Funds can be used for working capital needs only.

All CWCA loan applications must be submitted through a Certified Economic Development Organization (CEDO). For the list of CEDO’s operating within Pennsylvania, please refer to  These documents are PDFs that can be filled out and signed digitally once you download them.  Wedco is standing by to help, email This email address is being protected from spambots. You need JavaScript enabled to view it. for assistance.

Working Capital Access Program fact Sheet - NEW!

Working Capital Access Program Guidelines

Exhibit A: COVID-19 Company Profile 2020F

Exhibit B: COVID-19 Certification Applicant Other Entities 2020F

Exhibit C: COVID-19 Debt Schedule 2020

Exhibit D: COVID-19 Cash Flow Analysis 2020

Exhibit E: COVID-19 Personal Financial Statement 2020v2

W9 2018 IRS Fillable Form

W9 Electronic Signature Form


The SBDC has a FAQ and Resources Document to help businesses.  View the PDF here.

The University of Scranton SBDC team remains available to assist entrepreneurs and small businesses in the following ways:

  • SBDC Business Consultants are available for individual meetings by phone or real-time video conferencing on multiple platforms.
  • Virtual Online Group Sessions will be offered soon where individuals can drop in and talk or ask questions to SBDC staff in a group setting.

The team will continue to work with our existing clients as well as take on new clients and referrals.
Current SBDC Clients should reach out directly to their SBDC Business Consultant. See our directory of Business Consultants on page 2 of the attachment.
New requests for for-profit small business assistance can reach out to us as follows:

  • Visit our web site www.scrantonsbdc.comand choose either “Starting a Business” or “Already in Business.”
  • E-mail This email address is being protected from spambots. You need JavaScript enabled to view it.
  • Call 570-941-7588 and leave a message. We are checking and returning messages regularly!


The CARES Act also provides an additional 13 weeks of state UI benefits, which will become available after someone exhausts all their regular state UI benefits.

Non-Reduction Rule. There is a “non-reduction rule” in the Act, which means that as long as the states are participating in these programs, they may not do anything to decrease the maximum number of weeks of UI or the weekly benefits available under state law as of January 1, 2020.

Waiting Week. In addition, most states have a statutory one-week “waiting period” for people to receive UI benefits. But under the CARES Act, states that waive the one-week waiting period will be fully reimbursed by the federal government for that week of benefits paid out to workers plus the administrative expenses necessary for processing those payments.


Please find additional FAQs on the Phase II paid leave credits below:

There have been significant changes to FMLA and paid sick leave that will have an impact on employers with fewer than 500 employees. There is a “paid leave” component. As with the expanded FMLA provision, the bill contains language allowing the Secretary of Labor to exempt small businesses with fewer than 50 employees from the paid sick leave requirement.

Following is a link to a press release regarding the new paid leave act (Families First Coronavirus Response Act):

Please continue to monitor our website for forthcoming guidance regarding this issue:


Information for Pennsylvania Employees Impacted by COVID-19. If you are employed in Pennsylvania and are unable to work because of Coronavirus disease (COVID-19), you may be eligible for Unemployment or Workers' Compensation benefits. The Department of Labor & Industry will continue to provide important employment benefit updates as the situation evolves.  Complete information is located on the Unemployment compensation website:

Benefits and COVID-19 FAQs - UPDATED 3/26

How to file for Unemployment:


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