Last Updated: February 5, 2021

The global pandemic caused by the new coronavirus (COVID-19) is affecting economies worldwide, with small and mid-sized businesses hit hard.

Governments and private institutions are responding quickly with financial relief programs to help small businesses retain employees, cover operational costs, and minimize the risk to their cash flow.

Below is a list of resources to help home service businesses in Canada, the U.S., the UK, and Australia navigate the financial effects of the new coronavirus and COVID-19. We will update the list as more information becomes available.

If you are aware of additional programs, please send us a message on Twitter, Instagram or Facebook, and we’ll add them to this list.

United States


Paycheck Protection Program: A loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

SBA Economic Injury Disaster Loans: Low-interest, working capital loans of up to $2 million are available to small businesses that have been severely impacted by COVID-19. To apply online, select “economic injury” as the reason you’re seeking assistance.

Guide to the Paycheck Protection Program and SBA Loans for Home Service Businesses

Read our complete guide to the CARES Act, including the Paycheck Protection Program and Economic Injury Disaster Loans.

Get the Guide

SBA Debt Relief: The SBA Debt Relief program will provide a reprieve to small businesses as they overcome the challenges created by this health crisis.

Coronavirus Tax Relief: The IRS has extended the payment deadline for taxes by three months. The deadline to file your taxes is still April 15, 2020, but payments can be deferred until July 15. If you can’t file by April 15, 2020, you can request a six-month extension.

Disaster Unemployment Insurance: Several states are offering updated unemployment insurance (UI) benefits for individuals who are unemployed as a direct result of COVID-19. Use this website to find information on your state’s UI program.

Work Sharing Programs: Workshare programs let businesses temporarily reduce the hours of their employees, instead of laying them off during economic downturns. Check with your state’s government to find out what options are available to you.

Coronavirus Stimulus Payments: Congress has announced a Coronavirus Stimulus Package that will provide federally guaranteed loans to small businesses who keep their workers. Applications are not yet available.

Facebook Small Business Grants Program: Facebook is offering $100M in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where they operate. Applications will open in the coming weeks.

Google: $340 million in Google Ads credits available to all SMBs with active accounts over the past year.


Note: States and municipalities are adding new programs and restrictions as the situation evolves. Contact your local governor’s office to determine if you can continue doing business, and if other forms of relief are available in your area.

California: Employers can request 60-day extensions to file state payroll reports and/or deposit state payroll taxes without penalty or interest. The city of Oakland will also waive late payment penalties for small businesses who cannot file taxes by the March 1, 2020 deadline.

San Francisco: Grants of up to $10,000 are available for businesses with one to five employees who can demonstrate a loss of revenue of 25% or more due to COVID-19. If you pay your SF employees for extra sick time, the City will reimburse you $15.59 per hour for extra sick leave up to 40 hours through its new Workers and Families First Program.

Los Angeles: Emergency microloans of $5,000 to $20,000 are available to businesses who provide low-income jobs.

District of Columbia: Low-interest loans to small businesses severely impacted by COVID-19 and working capital loans of up to $2 million. The D.C. Emergency Relief for Small Businesses program also provides extended unemployment benefits and extended deadlines for tax filings, among other relief efforts.

Florida: Businesses with two to 50 employees may be eligible for loans of up to $50,000 to $100,000, with 0% interest for one year, going up to 12% afterwards

Illinois : In Chicago, low-interest loans of up to $50,000 are available to businesses with fewer than 50 employees who can demonstrate a 25% drop in revenue. Application for the program begins March 31, 2020.

New York City: Zero interest loans of up to $75,000 for businesses with fewer than 100 employees who have seen sales decreases of 25% or more. The city is also offering businesses with fewer than five employees a grant to cover 40% of payroll costs for two months to help retain employees.

Michigan: Starting April 1st, businesses with fewer than 50 employees can apply for grants of up to $10,000 and businesses with fewer than 100 employees can apply for loans between $50,000 to $200,000.

Massachusetts: Loans of up to $75,000 open to small businesses with under 50 employees who have been impacted by COVID-19.

Seattle: Small Business Stabilization grants are available to small business owners who make 80% or less of the area’s median income; have a physical location and five or fewer employees; and have experienced a loss of income due to COVID-19.



Canada Emergency Wage Subsidy (CEWS): Eligible employers will receive a 75 percent wage subsidy to rehire and pay their employees.

Guide to the Canada Emergency Wage Subsidy for Small Businesses

Read our complete guide to the CEWS, including what you need to do before you apply.

Learn More

Canada Emergency Response Benefit (CERB): $2,000 a month for up to four months for workers who lose their income as a result of the COVID-19 pandemic.

Temporary Wage Subsidy: Eligible small employers can receive a temporary wage subsidy equal to 10% of remuneration paid during a three month period, up to a maximum subsidy of $1,375 per employee and $25,000 per employer.

Deferred Tax Filing: Businesses can defer income tax amounts that become owing until after August 31, 2020. No interest or penalties will accumulate on these amounts during this period.
In addition, the government is not initiating any GST/HST or Income Tax audits for the next four weeks, and is offering over the phone tax filing assistance and proactive relief measures.

Emergency Care Benefit: Up to $900 bi-weekly for up to 15 weeks for eligible workers who are quarantined or sick with COVID-19, caring for a sick family member, or parents with children who require care due to school closures and are unable to earn employment income.

EI Work Sharing: Provides EI benefits to workers who agree to reduce their normal working hours as a result of COVID-19.

BDC Small Business Loans: Increased financing is available for low-interest loans up to $100,000. Purchase order financing is available for up to 90% of the purchase order amounts.

Business Credit Availability Program: BCAP is a program designed to support financing for Canadian businesses in all sectors and regions. Please contact your financial institution directly.

Mortgage and Credit Relief: The Bank of Montreal, CIBC, National Bank of Canada, RBC Royal Bank, Scotiabank and TD Bank have made a commitment to work with personal and small business banking customers on a case-by-case basis to provide flexible solutions to manage challenges such as pay disruption due to COVID-19. Support includes up to six-month payment deferral for mortgages and the opportunity for relief on other credit products. Please contact your bank directly for assistance.

Facebook Small Business Grants Program: Facebook is offering $100M in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where they operate. Applications will open in the coming weeks.

Google: $340 million in Google Ads credits available to all SMBs with active accounts over the past year.


British Columbia: A one-time $1,000 payment to people who lost income because of COVID-19.

Alberta: A one-time emergency isolation payment of $1,146 for eligible working Albertans, plus utility payment deferrals.

Saskatchewan: Three month PST remittance deferral and audit suspension, and updates to EI benefits for employees who have been laid off.

Ontario: Suspended electricity rates for families and small businesses paying time-of-use (TOU) rates. The discount will be applied automatically, with no need to apply.

Quebec: Minimum loans of $50,000 for businesses affected by COVID-19.

Nova Scotia: Deferred payments until June 30 for all government loans, small business renewal fees, and easier access to credit up to $500,000. Small businesses which do business with the government will be paid within five days instead of the standard 30 days.


Support hotline for SMEs: The Small Business Development Corporation has created a COVID-19 assistance centre to provide dedicated, timely guidance on available support options. To access the service, contact 133 140 (8.30am to 4.30pm weekdays) or email [email protected]

Grants for SMEs: One-off grants of $17,500 to small and medium businesses whose annual Australian Taxable Wages are between $1 million and $4 million. No application required.

Australian Banking Association: Australian banks will defer loan repayments for six months for small businesses who need assistance because of COVID-19.  They are also offering loans with no repayments for the first six months, at very low interest rates, supported by the Government, through an SME Loan guarantee.

Payroll Tax Grant: Payroll tax paying businesses with a payroll between $1 million and $4 million will receive a one-off grant of $17,500 to assist them to manage the impacts of COVID-19. Businesses impacted by COVID-19 can defer payroll tax payments until July 21, 2020

Cash Flow Assistance: The Boosting Cash Flow for Employers measure will provide up to $25,000 back to business, with a minimum payment of $2,000 for eligible businesses.

Rent Relief for Small Businesses:  Waived rental payments for small businesses and not-for-profit groups in Government-owned buildings for six months

United Kingdom

Small Business Grant: Funding of up to £10,000 for businesses in receipt of small business rate relief or rural rate relief (up to £30,000 in Scotland for businesses in sectors facing the worst economic impact of COVID-19.)

Coronavirus Business Interruption Loan Scheme: Loans of up to £5 million for SMEs, with the government covering up to 80% of any losses with no fees. Businesses can access the first 6 months of that finance interest free.

Employee Sick Pay: For businesses with fewer than 250 employees, the cost of providing 14 days of Statutory Sick Pay per employee will be refunded by the government in full.

Time to Pay Tax Arrangements: A dedicated helpline has been set up to help businesses and self-employed individuals in financial distress and with outstanding tax liabilities receive support with their tax affairs. If you are concerned about being able to pay your tax due to COVID-19, call HMRC’s dedicated helpline on 0800 0159 559.

Self Employment Income Support: A taxable grant of 80% of the average profits from applicable tax years.

Join our online community for additional resources and support

As we navigate new challenges and considerations around COVID-19, we believe the best way to take on this uncharted territory will be through connecting with our community online.

We invite you to join the Jobber Entrepreneurship Group, where group members are sharing how they’re communicating with customers and adjusting their processes. For those industries not directly affected, there is advice around planning ahead and keeping customers calm.