Updated 5/3/20

Resources for artists, small businesses & non-profits

Please keep in mind that if you are an artist you are probably also a small business so please take advantage of all the resources available to you. Please email arts@crisfieldcityhall.com if we can assist you with any information, or put you in contact with experts.


Small Business Resources

Somerset County CARES funding

The Somerset County Commissioners have allocated $750,000 of CARES funding to the Somerset County Economic Development Commission.  These grant funds will be used to support the economic recovery efforts in Somerset County and assist qualifying small businesses, watermen, agriculture, etc. that have been impacted by this crisis. Click here for an application.

Maryland Business Relief Wizard

There are several relief programs designed to help combat the negative effects from COVID-19. The Relief Wizard is an easy to use tool to navigate these programs.  If you answer the questions, the relief wizard will point you to the programs you are eligible for, based on your answers. Partners and contributors include: Howard County Economic Development Authority, Mindgrub, BTS Software Solutions, Maryland Department of Commerce, Howard County Chamber of Commerce, Maryland Tech Council, Maryland Chamber of Commerce, IBM, and various industry SME’s including KatzAbosch, Capital Services, and Offit Kurman Attorneys at Law. reliefwizard.net

One-stop-shop of federal programs that can be used by rural communities, organizations and individuals impacted by the COVID-19 pandemic. The COVID-19 Federal Rural Resource Guide (PDF, 349 KB) is a first-of-its-kind resource for rural leaders looking for federal funding and partnership opportunities to help address this pandemic.rd.usda.gov/sites/default/files/USDA_COVID-19_Fed_Rural_Resource_Guide.pdf

City of Crisfield information cityofcrisfield-md.gov/

Small Business Development Center www.marylandsbdc.org/locations/eastern-region


SBDC small business COVID 19 Survival Guide at marylandsbdc.org/covid-19-assistance

Presentation slides: CARES Act, EIDLs Updates, and Other Updates Webinar Slides from Small Business Development Center Eastern Region Director John Hickman 4/28/20

To be included in a weekly full page ad in the Crisfield-Somerset County Times and listed at crisfieldarts.org/shopping-and-seafood

Please email arts@crisfieldcityhall.com.


Small Business Administration (Federal)

Paycheck Protection Program (PPP) This application process is done by working with your local bank.(The Paycheck Protection Program (“PPP”) authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. All loan terms will be the same for everyone. The loan amounts will be forgiven as long as:

  • The loan proceeds are used to cover payroll costs, and most mortgage interest, rent, and utility costs over the 8 week period after the loan is made; and

  • Employee and compensation levels are maintained. Payroll costs are capped at $100,000 on an annualized basis for each employee. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. Loan payments will be deferred for 6 months

  • Sole proprietors, independent contractors, and self-employed persons can apply

More information at home.treasury.gov/system/files/136/PPP%20Borrower%20Information%20Fact%20Sheet.pdf

Economic Injury Disaster Loan (EIDL) & Grants (you can receive a $10k cash advance within 3 days of applying for up to $2m of an Economic Injury Disaster Loan (EIDL)); according to the government, “the $10k advance does not need to be repaid under any circumstance, and may be used to keep employees on payroll, to pay for sick leave, meet increased production costs due to supply chain disruptions, or pay business obligations, including debts, rent and mortgage payments.”

An EIDL will not be forgiven by the SBA.

As of 5/3/20 

SBA is unable to accept new applications at this time for the Economic Injury Disaster Loan (EIDL)-COVID-19 related assistance program (including EIDL Advances) based on available appropriations funding. Please check sba.gov/page/disaster-loan-applications frequently for updates.

This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by COVID-19.



Home Loans or Sole Proprietor Loans

Homeowners and Renters must register with the Federal Emergency Management Agency (FEMA) to obtain a FEMA Registration ID Number by calling 1-800-621-3362 prior to applying for an SBA loan.

Apply here disasterloan.sba.gov/ela

SBA existing loan forgiveness information


State of Maryland Relief – Grant /Loan





These applications have been closed because the funding has been exhausted.

As of 5 p.m. on April 6, Commerce is no longer accepting new applications for its COVID-19 Relief Grant and Loan Programs. All applications that have been submitted are currently being reviewed in the order received. If you have already started an application in the program system, it must have been completed and submitted by 5 p.m. on April 7, 2020 in order to be considered. 

Pandemic Unemployment Assistance


Self-employed and others who do not receive a regular paycheck and would not otherwise qualify for unemployment (artists please take a look at this!)

Other grants

Maryland Restaurant Relief Fund

Without question, COVID-19 has put incredible stress on the restaurant industry. That’s why OLD BAY, McCormick for Chefs, and CORECares have joined forces to offer support to local Maryland restaurants impacted by COVID-19 providing up to $2,500 in new grants. More information here https://corecares.org/maryland-restaurant-relief-fund/

Artist resources

Artist Relief Grant

A coalition of national arts funders has created a $10 million national emergency relief fund for artists and creative workers in all 50 states that will provide $5,000 no-strings-attached grants. It is intended for anyone who earns income from their creative or artistic practice and who has also been affected by COVID-19. artistrelief.org/

Somerset County Arts Council

If you are an artist and live in Somerset County who has been affected by the situation going on in the world today, we can help. We are offering Artist Disaster Relief Grants. The grants are up to $200 and we have a limited amount of them. Please email socoarts@earthlink.net and you will receive a copy of the grant form. If you don't have internet, please email me and I will mail you the form. Please don't hesitate to email with questions but please understand we will reply as soon as we can.

Maryland State Arts Council In response to the COVID-19 State of Emergency, the Maryland State Arts Council (MSAC) has created special grant opportunities that provide emergency funding to arts organizations and artists in Maryland as they adjust to losses sustained because of programming, operations, and events that have been modified or cancelled.

Apply at msac.org/grants/emergency-grant

Survey on the economic impact: All members of the Maryland Arts Sector are being asked to complete this survey on the economic impact of COVID-19. This may help us receive future funding.


List of resources for artists (including musicians and other performing arts) is available here:



Other resources The GoFundMe Small Business Relief Fund will be issuing $500 matching grants to qualifying businesses that raise at least $500 Read more gofundme.com/c/small-business-relief-initiative-and-fund-faqs

Resources for non-profits

On May 1st, Maryland Humanities will begin accepting applications to its $500,000 CARES Act Emergency Relief Grants Fund. The goal of this new fund is to help sustain Maryland’s infrastructure to ensure that organizations can continue to provide opportunities for public humanities programming and civic learning in Maryland’s diverse communities during this unprecedented time. Grants will support nonprofit general operating expenses. Eligible nonprofit organizations include: museums, historic sites, preservation and historical societies, and community and cultural organizations with a significant humanities focus.


A minimum of 50 and a maximum of 100 grants will be awarded. The minimum grant award will be $5,000 and the maximum grant award will be $10,000. Applications will be competitively reviewed with a focus on both need and geographic location in an effort to disperse funds to all regions of the state. All grant awards will be for the same amount.


Applications due no later than 11:59 p.m. on Monday, May 11th.Full grant guidelines and eligibility requirements are at mdhumanities.org/grants/CARES.