The Ocracoke Variety Store takes steps to safeguard shoppers and workers with six-foot delineations at the checkout counter and a Plexiglas shield in front of the cashiers. Allison O’Neal, right, bags groceries. Photo: C. Leinbach

The following information on pandemic resources for North Carolina was sent out April 9 by the Ocracoke Civic & Business Association.

Travel Research
Coronavirus is changing the travel plans for 84% of those who indicate they had planned trips in the next six months. “COVID-19 Travel Sentiment Study – Wave 4” is just out, courtesy of Longwoods International with support from Miles Partnership. To find out more, get the summary here.

Federal Unemployment Assistance
DES intends to implement the programs in the following order.

  • Federal Pandemic Unemployment Compensation (FPUC): This program provides an additional $600 in weekly unemployment insurance benefits to eligible claimants. We are currently testing our system for this program and anticipate making the first payments by April 17.
  • Pandemic Unemployment Assistance (PUA): This program provides unemployment compensation for individuals not eligible for regular unemployment insurance or any extensions to unemployment insurance. This will provide benefits to eligible self-employed workers and independent contractors. We anticipate the system will be ready to accept claims for this assistance around April 25.
  • Pandemic Emergency Unemployment Compensation (PEUC): This program provides up to 13 additional weeks of benefits for those who have exhausted their state unemployment benefits. A definitive timeline for completing system updates for this program is not yet available.

More info here:

How to apply for Unemployment
NC Unemployment Insurance Flowchart

The Small Business Owner’s Guide to the CARES Act

The attachments and video link below are from the SBA Monday, April 6, webinar.
This is a recent SBA view of resources. Zoom Video Link: SBA – EIDL & PPP Training
April 6, 2020 SBA Coronavirus Briefing
CORONAVIRUS EMERGENCY LOANS Small Business Guide and Checklist
SBA Faith Based Organizations FAQ
PPP Program Application
Active SBA Lenders for NC
CARES Act Stabilization Fund
Good Q & A for EIDL and PPP Programs
Paycheck Protection Program FAQ – April 8 – Treasury Department

Funding Programs & Business Support
North Carolina Restaurant Workers Relief Fund
Information on the N.C. Restaurant Workers Relief Fund is available here.

SBA Economic Injury Disaster Loan Information:
The SBA provides low-interest disaster loans to help businesses and homeowners recover from declared disasters.

SBA Express Bridge Loan
This loan enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly.

SBA Economic Injury Disaster Loan Emergency Advance
This loan advance will provide up to $10,000 of economic relief to businesses that are currently experiencing temporary difficulties.

SBA Paycheck Protection Program
A SBA loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.

**Small business owners should go online to your local bank to apply for the PPP.**  You can also apply/get more information through Newtek at

NC COVID19 Recovery Loan
NOTE: As of March 26, the existing funds are oversubscribed. They do expect more funding for the program, so they are still accepting applications.

THREAD Capital Rapid Recovery Loan
Thread Capital’s COVID-19 Rapid Recovery Loan supports North Carolina small businesses and family farms as they recover from the economic impact of COVID-19.

Golden Leaf Foundation-Disaster Recovery Grant Program
The next deadline to submit applications for the Disaster Recovery Grant Program is noon on Monday, April 20.

CARES ACT Provisions for Nonprofits
The Coronavirus Aid, Relief, and Economic Security Act (CARES Act), a bipartisan stimulus bill, provides significant relief for nonprofits struggling through the COVID-19 crisis and for many of their employees and clients.

AARP Foundation Grant Opportunity
With these Request for Applications (RFAs), one for Direct Service projects and one for Education, Outreach or Field-Building projects, AARP Foundation seeks projects that advance economic opportunity among low-income older adults.

Contact the Small Business Center if you need any assistance applying for relief funds. Email ginger_oneal@albemarle.eduAARP Foundation Grant Opportunity

With these Request for Applications (RFAs), one for Direct Service projects and one for Education, Outreach or Field-Building projects, AARP Foundation seeks projects that advance economic opportunity among low-income older adults.

*Contact the Small Business Center at the College of the Albemarle if you need any assistance applying for relief funds. Email

Additional available funding sources:

Facebook is offering $100 million in cash grants and ad credits through their Small Business Grants Program. Learn more. They also set up a Business Resource Hub.

JPMorgan pledged $50 million global philanthropic commitment to support communities and people hit hardest by this public health crisis, including $2 million to existing nonprofit partners and $8 million to assist small businesses. Learn more.

Kabbage launched an online hub to help boost sales for U.S small businesses impacted by COVID-19, including a system through which businesses can sell gift cards to consumers for use at a later date. Learn more.

The James Beard Foundation is launching a fund that will be gathering support from corporate, foundation, and individual donors to provide micro-grants to independent food and beverage businesses in need. Learn more. 

MainVest, a crowdfunding platform, announced its new Main Street Initiative: a $2,000, zero-interest, 120 day loan for restaurants or other brick and mortars affected by the shutdown. Learn more.

Opportunity Fund, which specializes in money lending to small businesses owned by women, immigrants and people of color, is collaborating with investors and nonprofits to put together a coronavirus relief fund that will provide grants and low-interest rate loans. Learn more.

The Go Fund Me Relief Initiative is intended to support our local businesses facing financial loss. Make a difference today by donating or starting a fundraiser. Learn more.



Previous articleAn Ocracoke book review: ‘A Baker’s Daughter’
Next articleRetired lawyer, former commissioner John Fletcher: 1938 to 2020