COVID-19 Response

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Supporting our Tenants and Partners

Contact Us

Small Business Resources

City, State Resources

Other Resources

Supporting Our Communities

General Information


The health and well-being of the communities we serve, our customers, employees, and retail partners is always our top priority. As the situation involving the novel coronavirus (COVID-19) health crisis continues to unfold, we recognize the significant impact it has had on every aspect of our lives and businesses.

During this challenging and unprecedented time, CBL is committed to working with you and connecting you with necessary resources. We will continue to closely monitor this rapidly evolving situation and update the information below as necessary.



    Supporting our Tenants and Partners

    The current situation surrounding COVID-19 is unprecedented with a landscape that changes on what seems like an hourly basis. As a valued partner, we remain committed to you as we work through this challenging situation together. Outlined below is a comprehensive list of resources that will be updated regularly based on new information.


    Contact Us

    If you are a current CBL tenant, please e-mail: Perm.Rent.Assistance@cblproperties.com.

    If you have questions regarding The CARES Act, please e-mail: Cblpaycheckloan.assistance@cblproperties.com.


    Small Business Resources

    Federal, state, and local governments as well as other organizations have acted quickly to create programs to assist small and mid-sized businesses to minimize the economic impact of this crisis. We encourage you to research these programs to determine which ones your business may be eligible for.

    U.S. Small Business Administration (SBA) Coronavirus Relief Options

    In addition to traditional SBA funding programs, the CARES Act established several new temporary programs to address the COVID-19 outbreak.

    -   Economic Injury Disaster Advance Loan

      In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan (EIDL) advance of up to $10,000. This advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application. This loan advance will not have to be repaid. 

      Click this link to begin a COVID-19 ECONOMIC INJURY DISASTER LOAN APPLICATION.

      CARES Act – Paycheck Protection Program Loan

      The Federal Government recently signed the CARES (Coronavirus Aid, Relief and Economic Security) Act into law. The Act includes several things to assist individuals and businesses affected by the crisis. Included in the Act is the Paycheck Protection Program, which will provide up to $349 billion in loans to eligible businesses with fewer than 500 employees. The maximum loan amount is 2.5 times your company’s average monthly payments for payroll costs (but not including any salaries in excess of $100,000) at interest rates as low as 1%. Funds received may be used for a variety of operating costs including rent, payroll, utilities, mortgage interest, and interest on existing debt. The loans will not require collateral and can be subject to forgiveness.

      Contact your financial institution to determine if they are participating in the CARES Act Paycheck Protection Program or view a list of available lenders in your market. 

      Click this link to Find Eligible Lenders.

      SBA Economic Injury Disaster Loans

      SBA’s Economic Injury Disaster Loans (EIDL) offer up to $2 million in assistance per business, providing economic support to overcome temporary loss of revenue. EIDLs may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses and 2.75% for private non-profit organizations, which are also eligible for EIDLs. 

      Click this link to apply for SBA disaster loan assistance.


      SBA Express Bridge Loans

      Enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly.

      SBA Debt Relief

      The SBA is providing a financial reprieve to small businesses during the COVID-19 pandemic.

      SBA Local Assistance Directory

      This SBA Local Assistance Directory can connect you to several local partners to counsel, mentor and train small businesses.


      City, State Resources

      Select your state:

      Alabama

      Arkansas

      California

      Florida

      Georgia

      Illinois

      Indiana

      Kansas

      Kentucky

      Louisiana

      Maryland

      Michigan

      Minnesota

      Mississippi

      Missouri

      North Carolina

      North Dakota

      Ohio

      Pennsylvania

      South Carolina

      Tennessee

      Texas

      Utah

      Virginia

      Wisconsin

      Wyoming




      Alabama

      Huntsville

      WHNT Program to Promote Your Business

      Do you operate a business in the Huntsville area that has been forced to adapt your business model due to COVID-19? Are you a restaurant offering delivery or a retailer offering online/virtual styling sessions, lessons, etc. Fill out the form linked above to have your business added to WHNT’s database.

        Arkansas

        Quick Action Loan Program

        Eligible companies may apply for a loan or a loan guaranty of up to $250,000. The Quick Action Closing Fund will prioritize small to medium-sized companies that are in the supply chain of essential goods and services. The primary use of funds will be to support small businesses with job retention.

          View a list of participating lenders: HERE

          Women Owned: WFA’s Assistance Fund for Women Owned Small Businesses

          The Women’s Foundation of Arkansas has established Women Owned, a fund to provide assistance to women owned small businesses experiencing hardship due to COVID-19. The first round of funding applications is currently closed. Check back for future funding rounds.

          California

          California Infrastructure and Economic Development Bank Finance Programs

          The State of California is allocating $50 million to the Small Business Finance Center at California’s IBank to mitigate barriers to capital for those small businesses (1-750 employees) that may not qualify for federal funds (including businesses in low-wealth and immigrant communities). The $50 million allocation will be used to recapitalize the IBank Small Business Loan Guarantee Program.

          Disaster Relief Loan Guarantee Program

          This program provides guarantees for loans of up to $50,000 for small business borrowers in declared disaster areas.

            Florida

            Florida Small Business Emergency Bridge Loan Program

            This program provides loans of up to $50,000 for small businesses affected by COVID-19. The loans are meant to serve as short-term funding that can be repaid once businesses can access alternative funding. Loans are interest-free for one year; after that, the interest rate rises to 12%. For-profit businesses with two to 50 employees are eligible to apply. Submit an application by May 8, 2020.

              Georgia

              Georgia Chamber COVID-19 Resource and Recovery

              The GA Chamber is encouraging businesses to make fact-based decisions and stay informed on COVID-19. The Chamber has put together a list of resources and webinars to aid small businesses during this time.

                Illinois

                Illinois Department of Commerce & Economic Opportunity (DCEO)

                The DCEO staff and Small Business Development Centers across the state of Illinois will be available to assist businesses with access available support for those impacted by the COVID-19 pandemic.

                Illinois Small Business Emergency Loan Fund

                  The Illinois Department of Commerce and Economic Opportunity (DCEO) and the Illinois Department of Financial and Professional Regulation (IDFPR) have established the Illinois Small Business Emergency Loan Fund to offer small businesses low interest loans of up to $50,000. Small businesses outside of the City of Chicago with fewer than 50 workers and less than $3 million in revenue in 2019 can apply.

                  The Business Invest - Illinois Small Business COVID-19 Relief Program

                  This program is an impact investment loan program under which the State Treasurer has made up to $250 million in deposits available to financial institutions throughout the state, at near-zero interest rates, to assist Illinois small business and non-profits that have been negatively affected by the COVID-19 pandemic.

                  Downstate Small Business Stabilization Program

                    The Downstate Small Business Stabilization fund has been established to provide working capital funds to community businesses economically impacted by COVID-19. The program makes funds available for 60 days of verifiable working capital up to a grant ceiling of $25,000 and is available for businesses that employ 50 people or less. These funds may be used to assist private for-profit small retail and service businesses, or businesses considered non-essential by the Governor’s Executive Order without the ability for employees to work remotely.

                    Indiana

                    Indiana Small Business Development Center

                    The Indiana SBD is maintaining a list of loan and grand resources for small businesses throughout the state.

                    Clarksville

                    COVID-19 Small Business Emergency Forgivable Loan Program (SBEFLP)

                    Foundation of Floyd County, in partnership with One Southern Indiana, the Community Foundation of Southern Indiana, and the Indiana Small Business Development Center, has established the COVID-19 Small Business Emergency Forgivable Loan Program (SBEFLP). The program is intended to provide quick access to operating capital to small businesses in Clark and Floyd County whose operations and cash flow have been negatively impacted by the 2020 COVID-19 pandemic. Eligible businesses must operate in Clark or Floyd counties, have been in operation for at least two years, or have received revolving loan funding or bank financing, and have no federal or state liens or outstanding judgements. The loans will range from $2,500 to $10,000.

                    Kansas

                    Kansas HIRE Fund (Hospitality Industry Relief Emergency Fund)

                    The HIRE Fund was established to provide bridge loans for Kansas’ hospitality sector during the COVID-19 crisis. Hospitality businesses include: Restaurants, bars, lodging facilities, conference centers, and event centers. Funds can be used as working capital for business expenses. The first round of funding is currently closed, but the form remains open for future rounds.

                      Kansas City

                      Kansas City Source Link

                      KC Source Link has compiled resources to help small businesses manage their finances through the crisis. Fill out the financial assistance request form and they will help determine if you are ready to apply for financial assistance and which programs (local, state or federal) might be the best fit.

                        Kentucky

                        Team Kentucky: Cabinet for Economic Development

                        Business-related COVID-19 guidance, resources and FAQs related to federal programs and legislation, statewide resources, and small business resources.

                          Lexington

                          Commerce Lexington

                          Commerce Lexington has developed several resources for small business owners to help them navigate this crisis, including a guide to getting small business financial assistance.

                            Louisiana

                            Louisiana Loan Portfolio Guaranty Program

                              This program offers loans of up to $100,000 per applicant at no interest and with no payments due for the first six months. After that, interest rates will be no more than 3.5%. Small businesses in Louisiana with fewer than 100 employees that are impacted by COVID-19 are eligible to apply directly with a participating bank.

                              Maryland

                              Small Business Development Centers: Maryland

                              The Maryland SBDC is committed to serving their clients during the COVID-19 health emergency through training and consulting services.

                                Michigan

                                Michigan Small Business Relief Program

                                  The Michigan Small Business Relief Program grants are administered by 15 local and nonprofit economic development organizations (EDOs). Applications are now closed, but the list of local EDOs remains accessible to provide additional resources and possible future funding opportunities.

                                  Minnesota

                                  The Small Business Emergency Loan Program

                                  This program offers $2,500 to $35,000 in loans to cover operating expenses. The loans have a 0% interest rate and a five-year term, and they are eligible for forgiveness. Eligible businesses must be in Minnesota and able to provide proof that they have been negatively impacted by the pandemic.

                                  The Minnesota Small Business Loan Guarantee Program

                                    This program will provide an 80% guarantee on loans of up to $200,000 to help lenders provide funding to businesses. The program is for businesses with fewer than 250 employees that are based in Minnesota.

                                    Mississippi

                                    Mississippi Economic Council

                                      The State Chamber of Commerce in Mississippi has compiled a list of resources to help educate businesses on the coronavirus and available funding opportunities for those impacted.


                                      Missouri

                                      St. Louis

                                      STL Partnership

                                      STL Partnership provides small business owners with necessary resources to help during this time.

                                      The Gateway Resilience Fund

                                      This fund will provide short term monetary relief to employees and owners of independent bars, restaurants, and shops in the St. Louis area affected by closures and other circumstances brought about by the COVID-19 outbreak. Applications for this fund are temporarily closed, but will resume when additional funding is available, please check back.

                                        North Carolina

                                        NC COVID-19 Rapid Recovery Lending Program

                                          The NC COVID-19 Rapid Recovery Lending program supports North Carolina small businesses as they recover from the economic impact of COVID-19. This rapid recovery loan helps small businesses bridge the gap between when crisis strikes and when federal loans, insurance payouts, and other relief funds are approved, or businesses have time to recover. This is not a grant program and repayment is expected. Applicants must be a NC small business affected by COVID-19, have at least one (1) employee, who could be the self-employed owner. Start-up businesses that began operations before March 23, 2020 are eligible.

                                          North Dakota

                                          North Dakota Opportunity Fund

                                          The NDOF Steering Committee has approved a disaster assistance loan program for small businesses located in the consortium communities that have been adversely impacted by COVID-19. The Opportunity Fund leverages private financing to help North Dakota small businesses and manufacturers attain the loans and investments needed to expand create jobs.

                                          The PACE Recovery Program (CPRP)

                                          The COVID-19 PACE Recovery Program assists local financial institutions in providing loans to support North Dakota Businesses in their economic recovering due to the COVID-19 pandemic.

                                          Small Employer Loan Fund (SELF)

                                          The Small Employer Loan Fund (SELF) assist local financial institutions and certified development corporations (CDC's) in providing loans to assist in very small North Dakota businesses in their recovery from the negative impacts caused by the COVID-19 pandemic.

                                          Bismarck

                                          Bismarck-Mandan Chamber of Commerce EDC

                                          The Bismarck-Mandan Chamber has compiled a list of resources for small businesses in North Dakota.

                                          Ohio


                                          Pennsylvania

                                          Working Capital Access Program

                                            This program offers loans up to $100,000 and have three-year terms with a 12-year amortization schedule. All loans have a 0% interest rate, except for agricultural producers, who will have a 2% fixed interest rate for the life of their loan. For-profit businesses in Pennsylvania with 100 or fewer full-time employees in the retail or service sectors. Businesses interested in applying will have to do so in the county their business is located in.

                                            South Carolina

                                            Charleston

                                            City of Charleston Business & Neighborhood Services

                                            The City of Charleston Business & Neighborhood Services compiled a resource list for the community to include essential resources, small business support.

                                            Lowcountry Local First

                                              COVID-19 resource and action center for local businesses.

                                              Tennessee

                                              Tennessee Department of Health Services

                                                TDHS can provide up to two months of emergency cash assistance to families that have lost employment or at least 50% of income as a result of COVID-19.

                                                Chattanooga

                                                COVID-19 Mitigation Grant Program

                                                The CHA 90-Day Stabilization Fund will create a competitive grant pool that will be used to provide relief to small businesses. Funds from this grant can be used as working capital. Businesses that had 1-4 employees as of Mar. 1 will be eligible to receive $2,000 and businesses with 5 or more employees as of Mar. 1 will be eligible to receive $5,000. Businesses must be located within the Chattanooga city limits and must not be a franchise business or affiliated with any national or regional brand.

                                                COVID-19 Small Business Bridge Loan Program

                                                  The CHA 90-Day Stabilization Fund will create a competitive small business bridge loan initiative that will be used to provide relief to small businesses. Loan amounts will be determined with the assistance and the administration of the Southeast Tennessee Development District. Eligible businesses must have employed between 1 and 50 (full or part-time) workers as of Feb. 1, 2020, be located within the Chattanooga city limits, and must not be a franchise business or affiliated with any national or regional brand. Application deadline: June 30, 2020.

                                                  Nashville

                                                  Southern Smoke Emergency Relief Program

                                                    Southern Smoke’s program provides emergency funding to those employed by or in ownership of restaurants and bars.

                                                    United Way of Greater Nashville Response Fund

                                                    The COVID-19 Response Fund was created to assist individuals, families, and nonprofits experiencing financial hardship due to this virus.

                                                      Texas

                                                      Texas Restaurant Association

                                                        To support independent restaurants, the TX Restaurant Relief Fund will distribute grants of up to $5,000 PER UNIT to immediately support their financial needs. These funds are earmarked specifically for use to keep their doors open and their workers employed. Note: applications for this grant are currently closed. Please check back for additional updates.

                                                        Texas Woman’s University – AssistHer Emergency Relief Grant

                                                          The purpose of this grant is to help woman-owned businesses (at least 51% directly owned and controlled by one or more women who are U.S. citizens) sustain their businesses while under economic hardship due to COVID-19. The funds can be used for technology upgrades or other items needed to change or adapt your business model, including operating expenses (except payment of sales tax, payroll, purchase of food, penalties and fees, and charitable donations).

                                                          Utah

                                                          Utah Leads Together Small Business Bridge Loan Program

                                                          Offers loans of $5,000 to $20,000 with 0% interest rate for up to 60 months. Repayment can be deferred for up to 12 months. Small businesses in Utah with fewer than 50 employees who can show six months of estimated revenue loss or other documented loss evidence. Application deadline: April 16, 2020

                                                            Virginia

                                                            VA 30 Day Fund

                                                              Virginia-based businesses that qualify for assistance from this fund are: small businesses that employ three to 30 people and are owned and operated by a Virginia resident. The funds dispersed to small businesses by the Virginia 30 Day fund do not need to be repaid.

                                                              Roanoke

                                                              City of Roanoke COVID-19 Coronavirus Business Assistance

                                                              Resources compiled by the City of Roanoke regarding small business assistance.

                                                              Roanoke Regional Small Business Development Center

                                                                Sign up for relief assistance updates.

                                                                Wisconsin

                                                                Small Business 20/20 Program

                                                                  This program provides grans to approved community development financial institutions (CDFIs). Approved CDFIs will award grants of up to $20,000 to their existing loan clients to assist with cash-flow challenges resulting from COVID-19. Contact your lender to determine if they are participating in this program.

                                                                  WWBIC COVID-19 Fast Track Loan Program

                                                                  This program is focused on existing businesses looking for business financing during COVID-19. Business owners have two options on their needs: a line of credit or a term loan.

                                                                  Madison

                                                                  Dane County Small Business Pandemic Support Program

                                                                    The Dane County Small Business Pandemic Support Grant Program is available for small businesses experiencing financial difficulties as a result of the COVID-19 outbreak. There is $250,000 of available funding to support Dane County locally-owned small businesses with employee retention and to mitigate losses from the COVID-19 pandemic. Grants range from $1,000 to $50,000.

                                                                    Wyoming

                                                                    WIDC - Frontier CDC

                                                                    WIDC – Frontier CDC is an authorized provider of the CARES Act Paycheck Protection Act.

                                                                    Cheyenne

                                                                    Greater Cheyenne COVID-19 Emergency Relief Fund

                                                                    The Greater Cheyenne Relief Fund will be overseen by a committee that will review applications and award funds to individuals that are in need.



                                                                    Other Resources

                                                                    Centers for Disease Control and Prevention (CDC)

                                                                    The CDC has provided guidance for businesses and employers to plan, prepare and respond to this crisis.

                                                                    Community Foundation Public Awareness Initiative

                                                                    More than 250 U.S. community foundations in all 50 states have created relief funds to support those affected by COVID-19.

                                                                    Facebook Small Business Grants Program

                                                                    Facebook is offering $100 million in cash grants and ad credits to help small businesses during this time.

                                                                    Federal Communications Commission

                                                                    In response to COVID-19, more than 650 companies and associations have signed FCC’s pledge to Keep Americans Connected. For the next 60 days, participating companies pledge to not terminate service and to waive any late fees that residential or small business customers incur because of their economic circumstances as a result of COVID-19 and open its Wi-Fi hotspots.

                                                                    Forbes Small Business Relief Tracker

                                                                    Forbes has compiled a list of government agencies, private companies and non-profit organizations that are supporting small business owners.

                                                                    Google Ad Credits

                                                                    Google has dedicated $340 million in ad credits for small and mid-size businesses with active Google Ad accounts. Users who have been active advertisers since the beginning of 2019 will receive a credit notification in their account in the coming months. Credits can be used during 2020 across all Google Ads platforms.

                                                                    International Council of Shopping Centers (ICSC) Coronavirus Update

                                                                    ICSC provides updates for the shopping center industry with U.S. state-by-state business closures and mandates as well as a summary of legislative action to support relief for small business owners.

                                                                    Internal Revenue Service (IRS)

                                                                    The IRS has postponed the federal income tax filing deadline to July 15. Taxpayers can also defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest, regardless of the amount owed. This deferment applies to all taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax.

                                                                    National Governors Association

                                                                    The National Governors Association website outlines the steps each state is taking to address the Coronavirus, including legislative action, along with updates from the CDC.

                                                                    National Restaurant Association

                                                                    Through the Restaurant Employee Relief Fund, the National Restaurant Association will provide $500 grants to restaurant industry employees who have been affected by COVID-19. Registration will re-open on Thursday, April 9th at 12 noon Eastern Daylight Time, and 20,000 new registrations will be accepted.

                                                                    National Retail Federation (NRF)

                                                                    NRF is compiling and updating resources for retail businesses impacted by COVID-19.

                                                                    Restaurant Worker Relief

                                                                    The Restaurant Opportunities Centers United has compiled a list of national and local relief resources for restaurant workers.

                                                                    Small Business Majority

                                                                    The Small Business Majority is compiling relevant tips, resources, and information on new funding opportunities and policy developments that affect small businesses.

                                                                    USBG Bartender Emergency Assistance Program

                                                                    The United States Bartenders’ Guild is offering emergency assistance grants to bartenders, their spouses, and children.

                                                                    U.S. Treasury – Families First Coronavirus Response Act

                                                                    Allows employers to tax deduct paid sick leave.

                                                                    The Women’s Business Enterprise National Council (WBENC)

                                                                    As an advocate for women business owners and entrepreneurs, WBENC has compiled a number of resources to help constituents address and respond to the impacts caused by COVID-19.

                                                                    Yelp Free Advertising

                                                                    Yelp is waiving advertising fees for many independent local restaurant and nightlife businesses and is offering free access to page upgrades including Business Highlights, Call to Action and Connect. The company is also offering $100 in free advertising for restaurant clients offering delivery and/or takeout.

                                                                    Yelp/GoFundMe Partnership

                                                                    Yelp has partnered with GoFundMe to provide a fast and simple way for independent businesses to start fundraisers and accept donations through their Yelp pages. The Yelp Foundation and GoFundMe have also pledged to match up to $1 million in donations, with a $500 matching grant to eligible businesses that raise at least $500.


                                                                    Supporting Our Communities

                                                                    The health and well-being of the communities we serve, our customers, employees, and retail partners is always our top priority. The situation we are currently facing is unprecedented with the landscape continuously evolving. The role we play in our communities as a provider of employment, goods, services and commerce is an important one.

                                                                    • • In most markets, access to mall common areas by the public is restricted based upon state and local government mandates.
                                                                    • • Certain businesses and retailers deemed essential under these orders as well as restaurants may remain open.
                                                                    • • We are closely monitoring local and state government mandates and will adjust our operations accordingly.
                                                                    • • We are in discussions with local officials, emergency response organizations, and community partners to find ways to utilize our properties to the benefit of the community during this time.
                                                                    • • In markets where our properties remain open, the following preventative measures have been put into place:      
                                                                      • • Food court seating areas have been closed, restaurants and food court tenants remain open for take-out or delivery service only.
                                                                      • • Based on guidelines from the CDC, all mall events have been cancelled or postponed.
                                                                      • • Increased the frequency of cleaning and sanitizing all high-traffic common areas with an enhanced focus on all touch points with CDC-recommended cleaning agents.
                                                                      • • Children’s play areas have been closed until further notice.
                                                                    • • We will continue to monitor the situation in these markets and will adjust our operations as necessary based on government mandates.




                                                                    General Information

                                                                    For the most up-to-date information on COVID-19, its spread in the United States, and recommended practices to protect against the virus, we recommend you visit the Centers for Disease Control and Prevention (CDC) or the World Health Organization (WHO) websites:

                                                                    - Centers for Disease Control (CDC)

                                                                    - World Health Organization (WHO)






                                                                    The information provided herein is intended for general information purposes only and is not intended to provide legal or tax advice on any matter. Due to the rapid changes in Federal, State and local regulations and guidelines, CBL does not make any representations or warranties as to the completeness or accuracy of any of the information contained herein or on any of the provided links. Please consult with your legal and tax advisors with respect to your specific facts and circumstances before taking any action.


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