You can find the latest about COVID-19/Coronavirus here.
Click here for Business Assistance Programs

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Business Interruption Grant Program

The Illinois Department of Commerce announced a new grant for bars, restaurants, barbershops/salons and gyms/fitness centers. The Business Interruption Grant Program (BIG) will provide $60 million to 3,500 businesses experiencing loss or business interruption due to COVID-19. Priority will be given to small businesses that have been heavily restricted or completely shut down during the pandemic.

Applications will be accepted HERE starting June 26th and applicants are encouraged to apply ASAP. 

  • Bars and Restaurants - $20 million for bars and restaurants unable to offer outside service, providing 1,000 grants of up to $20,000*
  • Barbershops and Salons - $10 million for barbershops and salons, providing 1,000 grants of $10,000 each*
  • Gyms and Fitness Centers - $10 million for gyms and fitness centers that have lost significant revenue due to COVID-19, providing 500 grants of $20,000 each*

Crystal Lake Business Transition Grant Program

The City is here to support and help your business reopen! We recognize many businesses are needing to modify operations to meet the new physical distancing requirements and sanitation standards. The City Council approved a grant to assist small businesses with the financial burden of these improvements.

Program Parameters

  • Must be a tax generating business with sales up to $4 million.
  • Business must generate walk-in traffic.
  • Reimbursement for capital improvements for physical distancing and sanitation due to COVID-19 up to $1,000 per applicant.
  • Franchise businesses, home-based businesses, home occupation businesses and businesses with more than 3 business units do not qualify.

Examples of Protective Enhancements Include:

  • Plexiglass Enhancements
  • Sanitation Stations
  • Walk-up Windows
  • Separations for Entrance/Exits
  • Face Coverings
  • Signage for Traffic Flow or Distance Dots

Click here to download the COVID-19 Business Transition Grant application.

 Restore IL Phase 4

Restore Illinois - Phase 4 Guidelines

To prepare businesses and employers to implement new and updated safety guidelines in Phase 4, the State of Illinois has developed this business toolkit complete with signage, posters, and other resources to ensure business and activities are conducted in accordance with the latest public health recommendations.

Click here to view the Phase 4 Toolkit.

Phase 4 guidelines include five new industry categories and updated recommendations for the existing categories from Phase 3. Each set of guidelines includes a common set of guidelines that are expected and encouraged among all employers and activity types, as well as workplace and program-specific guidelines.

Click here for an overview of the Phase 4 changes.

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Suggested Six Steps for Staying Safe- Detailed Checklist for Businesses

Industry Specific Checklists

Retail Readiness Checklist for Reopening

Industrial Readiness Checklist for Reopening


Prerecorded- How to Guide for Reopening your Workplace TO VIEW


Ongoing State and Federal Financial Assistance Programs

Paycheck Protection Program

  • Legislation was approved to add $310 billion to replenish this program.
  • Business are encouraged to prepare documents and contact their lender ASAP as funds are expected to again go quickly.
  • Click here to view a list of approved SBA 7(a) lenders to discuss options.
  • Click here to view the application.

Small Business Stabilization Grant

  •  Apply now through May 8, 2020.
  • Businesses with 5 or fewer employees (including owner)
  • In need of stabilization and support
  • Do not have access to other Federal support programs.
  • Click here to view the application.

For assistance with additional questions, please email

SBA- Economic Injury Disaster Loan

Due to high volume, apply between 7pm-7am or on the weekends.

  • Loans up to $2 million.
  • Funds fixed debts, payroll, accounts payable and other bills that can’t be paid.
  • Interest rate for small businesses is 3.75%.
  • Interest rate for non-profits is 2.75%.
  • Visit the Small Business Association website to apply on-line.
SBA Disaster Assistance Customer Service Center 
Phone: 1-800-659-2955 

SBA- Economic Injury Disaster Loan Power Point Presentation

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*Click image to view presentation.

Small Business Debt Relief Program

  • Immediate relief, automatically applied to all existing small business SBA 7(a) loans, 504 loans, and microloans.
  • SBA will cover all loan payments on these SBA loans, including principal, interest, and fees, for six months. 

For assistance with additional questions about applying for this program contact a participating local lender or the existing lender that issued the SBA loan.


Prerecorded- Small Business Association Resources for COVID-19CLICK HERE TO VIEW

PrerecordedSmall Business Association Resources for Sole Proprietors, Self Employed and Independent ContractorsCLICK HERE TO VIEW

I Shop Crystal Lake Local Efforts

The City’s I Shop Crystal Lake campaign helps support and communicate with businesses. If you are not yet on our email list, please sign up by calling (815) 356-3737 or emailing Please provide your business name, business address, phone number and email address.

Crystal Lake is working to provide information and resources that are available during these rapidly evolving and uncertain times. We will get through this together.

Small Business Resources

SCORE Fox Valley is a resource partner of the U.S. Small Business Administration (SBA) that has helped entrepreneurs and small business through free mentoring, local workshops, and free resources. Visit their website for more information on their programs. 

Need help creating a Business Plan or Financial Plan due to COVID-19? The Illinois Small Business Development Center (SBDC) can help. The SBDC is a service of the McHenry County Shah Center. To set up an appointment, call (815) 455-6098 and ask for the SBDC Manager.