The Paycheck Protection Program (PPP) helps businesses with fewer than 500 employees keep workers on payroll. Sole proprietorships, independent contractors, self-employed persons, and private non-profits may also apply. SBA will fully forgive loans IF all employees kept on payroll for 8 weeks and at least 60% of it is used on payroll. The rest can be used for rent, mortgage interest, and utilities. If the loan is not fully forgiven, loan payments will be deferred for 10 months. Loans will have a 2-year term with 1% interest. No collateral or personal guarantees are required, and there are no government or lenders’ fees. Loan Forgiveness Instructions and Application: As of 5/15, the loan forgiveness instructions were released with certain measures to reduce compliance burdens. These measures include: •Options for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with borrowers’ regular payroll cycles •Flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan •Step-by-step instructions on how to perform the calculations required by the CARES Act to confirm eligibility for loan forgiveness •Borrower-friendly implementation of statutory exemptions from loan forgiveness reduction based on rehiring by June 30 •Addition of a new exemption from the loan forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined To view the loan forgiveness instructions and application, click here. *Update: On June 4, the PPP Flexibility Act was signed into law. This act gives recipients of the PPP 24 weeks to use their funding from the date they received it. In addition, the loan payment deferral period was extended and only 60% of total funds have to be spent on payroll costs to be fully forgiven. To read more about the PPP Flexibility Act and the conditions for forgiveness, click here. Helpful Resources: •To calculate the amount of funding your business qualifies for under EIDL and PPP, click here •To calculate the maximum amount of loan forgiveness, access an interactive calculator here •For best practices to ensure qualification for full loan forgiveness, click here •For an overview of the PPP from the Hawaii Chamber of Commerce, click here •For definitions of payroll costs and other technical language, click here •For answers to common FAQs, click here, here, orhere •To learn how PPP affects taxes and access other Hawaii State tax information, click here Updates: •As of 5/5, PPP approvals for new funding requests looked very promising! •7,717 Hawaii PPP loans already approved from Round 2. •and $175B of $310B of available funds were used up in the first week of Round 2. •The average Hawaii loan size for Round 2 is $54,000. •CPB and ASB are still accepting new PPP applications for existing and non-bank clients. Notes: •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. •Applicants must certify in good faith that the current economic uncertainty makes their PPP loan request necessary to support their ongoing operations in the PPP application form, and should be prepared to demonstrate to the SBA the basis of its certification upon request. •Forgiven PPP debt is excluded from gross income and therefore not subject to federal income tax. Q: If I laid off an employee, offered to rehire them, but they declined the offer, will I still be able to gain loan forgiveness under the PPP? A: Yes, but you must have a good faith, written offer of rehire, and documented employee rejection of the offer; also note that employees who reject these offers may forfeit eligibility for continued unemployment compensation. To listen to an audio recording about EIDL and PPP specifically for agricultural businesses, click here. How to apply: Businesses can apply for the PPP through any existing SBA 7(a) lender OR any federally insured depository institution or credit union OR farm credit system. Call your local bank and ask if they are participating! To see a list of participating lenders, click here. Deadline: June 30, 2020

HDOA proovides emergency loans for farmers of up to $150,000 at 3% interest. Loans up to $100,000 will not require credit denials from other financial institutions. HDOA has waived their three-year residency requirements. For more information, click here. To apply, contact the nearest HDOA office. Oahu, Kauai, Maui: (808) 973-9460 Hilo: (808) 933-9975
 Kona: (808) 323-7591

Hawaii Community Foundation is offering grants for projects that address one or more phases of their four-phased approach to community resilience. The four phases are: (1) Risk reduction (2) Rapid relief and response (3) Recovery and stabilization (4) Rebuilding resilience To learn more, click here. To quickly distribute resources, Hawaii Community Foundation has foregone a formal application process. If interested, please email them of your needs at grants@hcf-hawaii.org.

HFUU is looking for farmers that want to sell to food hubs and increase production. They are also looking for businesses with commercial refrigeration space, and restaurants/food entrepeneurs who want to utilize a ghost kitchen model to prepare family-style meals for pickup or for door-to-door delivery. HFUU recently assembled a task force to support agricultural communities by aggregating and sorting food into CSA boxes in food hubs and commercial kitchens. They also hope to partner with chefs, caterers, and other prepared foods businesses. For more information, see here. To get involved, email: food@hfuuhi.org

The Economic Injury Disaster Loan (EIDL) and EIDL Emergency Advance provides working capital loans of up to $2M for small businesses to overcome temporary loss of revenue due to COVID-19. As of April 13, EIDL now includes farm and ranch businesses with fewer than 500 employees, aquaculture, nurseries, and agricultural cooperatives. Businesses can also apply for a loan advance of up to $10,000, which will become available within 3 days of successful application and will not have to be repaid. If agricultural businesses applied to EIDL before EIDL was opened to agricultural businesses, applications will be processed without businesses having to reapply. Terms: •3.75% interest for small businesses without available credit elsewhere •2.75% interest for nonprofits •Up to a 30-year amortized loan with one year of deferred payments. Note: •SBA determines loan amount based on the working capital needs of the business. Interest rates on the loans are 3.75% for businesses and 2.75% for nonprofits. •If the loans are over $25,000, SBA will take a general security interest in the business assets; they will take a UCC filing. •The EIDL advance does not require any type of reporting; however, it is subject to federal and state income tax. The EIDL loans are not subject to federal and state income tax. Any advance that receive from EIDL could be subtracted from the PPP forgiveness. •Applicants have to be officially registered businesses in existence for over a year. Owners have to have invested equity, demonstrate an ability to repay, and have exhausted other assets/insurance that can be liquidated. •Both US citizens and residents can apply. •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. EIDL is designed to be used for working capital. This includes paying fixed debts, payroll, accounts payable, and other accounts businesses would have paid should this disaster not have occurred. The loans are not intended to replace lost sales/profits, but designed to help maintain viability and operations. •There are no costs to apply and there is no obligation to take the loan if it is offered to you. Things the application will ask: •Business name •Trade name •EIN number or SSN for sole proprietorships •Organization type •Business activity •Bank account information where funds can be deposited (account number, bank routing number) •For the 12 month period prior to January 30, 2020, business gross revenues of business, COGS, costs of operation/operating expenses •Compensation from any other source that could potentially duplicate funding purposes •Tip: Make sure to check EIDL loan advance box. To apply, click here. Helpful Resources: •For a webinar from the SBDC on how to fill out the application, click here •For a list of documents needed to apply, click here •For more information about EIDL and PPP, click here •For step-by-step instructions on how to fill out the application, click here •To compare the EIDL, PPP, and other federal programs, click here orhere •To compare the compare the EIDL and the SBA 7(a) loan, click hereUpdates: EIDL reopened for agricultural businesses on May 4. Notes: •The application may take up to 2 hours. •To check the status of a disaster loan application/advance, call SBA’s customer service center at (800) 659-2955 or email disastercustomerservice@sba.gov. Deadline: TBD

The Healy Foundation offers grant up to $50,000 for nonprofits in Hawaii for projects that address protection of ecosystems, climate change mitigation, reduction of childhood poverty, or youth advocacy and education. Note: The board meets four times a year to award grants. For more information, click here. To apply, submit a Letter of Inquiry on their grant portal here. For further questions, email sgeary@thehealyfoundation.org

Foodland hopes to support local farmers by purchasing the supply of food produced until the demand resumes and/or by facilitating food distribution. The goal is to minimize the need to import food. To add any products you may have available, please complete this short form here or contact Foodland at (808) 732-0791. Please note that completing this form does not guarantee market access.

SBA Express Bridge Loans are for small businesses who already have a relationship with an SBA Express Lender to meet urgent cash needs while waiting for EIDL disbursement. Businesses can access up to $25,000 with less paperwork and a loan term of up to 7 years. Businesses must have: •Less than 500 employees •Been in operation as of 3/13/2020 •Adverseley iimpacted by coronavirus •Have a pre-existing relationship with a lender that offers EIDL loans as of 3/13/2020 For more information, click here, here, or here.

Hawaii Food Producers Fund offers 0% interest loans up to $10,000 to Hawaii food producers (Hawaii-based farmers and food processors with at least one Hawaii-grown ingredient) through Kiva. Money may be used for any business purpose. Terms: Applicants can receive 50% of the loan from the Hawaii Food Producers Fund. Loans may be repaid in three years in weekly/monthly PayPal installments with grace periods of up to 6 months for farmers. No collateral is required. Note: Applicants must invite an initial pool of lenders from their own network that must lend as little as $25 each. The application requires a photo, personal story, and business description. Kiva has a 100% funding success rate for Hawaii entrepreneurs. To see successfully funded recipients of the Hawaii Food Producers Fund, click here.To start your application, click here. For questions, contact: Eric Bowman Email: ebowman@kohalacenter.org Phone: (808) 887-6411

If you have an oversupply of product, HDOA is able to purchase bulk amounts of product for a conservative price. For inquiries, please email: Nicole Pfeffer Email: nicole.y.pfeffer@hawaii.gov Phone: (808) 973-9573 HDOA Economic Development Specialist Include available pounds, frequency of availability, quality (off-grade, for instance), and selling price per pound/unit.

FEMA Public Assistance Programs reimburse eligible applicants for costs associated with emergency protective measures in response to the COVID-19 pandemic. Note: FEMA assistance will be provided at 75% federal cost share. To learn more about the specific projects asnd activities funded under FEMA, click here. To apply, fill out the application here. Deadline: Program will remain open for the duration of the Public Health Emergency as declared by the Secretary of Health and Human Services.

COVID-19 has caused coffee sales to slow or halt for many businesses. SHAC has been in conversation with USDA to facilitate purchases of Hawaiian-grown products for government use. If you have roasted coffee that you would like to make eligible for USDA purchase, please contact: suzanne@shachawaii.org Include the total quantity you would like to make available, and the requested price. Also include the format (bag, pods, commercial packs). All information will be kept confidential.

SBA offers numerous other loans. See below for summaries of each: •7(a) Program -up to $5M through lending partners for small businesses -money for working capital, expansion/renovation, new construction, etc. •Express Loan program -up to $350,000 for up to 7 years with an option to resolve -36 hour approval/denial turnaround time •Community Advantage Loan Pilot Program -mission-based lenders can assist small businesses in underserved markets through loans up to $250,000 •504 Loan Program -for economic development and job creation/retention -can only use funds for acquiring or refinancing fixed assets •Microloans -up to $50,000 (average size is $14,000) loans through nonprofit lending organizations to underserved markets -money can be used for working capital, supplies, machinery and equipment, fixtures For more information on each of these programs, click here. For an overview of SBA financing options, see page 32 of this document.

Small businesses can receive loans up to $25,000 from both the HDOA and the HDBEDT. For more information, click here or here. To learn more about CBEDT, click here. For any questions, please contact: Wayne Thom Email: wayne.k.thom@Hawaiʻi.gov CBEDT Program Hawaiʻi Department of Business Economic Development and Tourism

The Federal Reserve Main Street Lending Program is offered by the Federal Reserve to help banks give money more freely to businesses in need maintain payroll and retain workers through this pandemi cby purchasing a large portion of loans from banks. This program is available to any business that have less than 15,000 employees and/or annual revenues under $5 billion. For additional eligibility requirements and more information, see here. To apply, contact your local lender.

The Opportunity Fund is a US-based nonprofit organization that provides financing and microloans from $2,600 to $250,000 to underserved small-business owners. For more information, click here. To inquire about financing options, call 1-888-720-3215, Monday through Friday, 8 am – 6 pm PT.

This grants program is in its first year of existence and is comprised of two projects: Planning Projects Applicants can receive up to $200,000 per single program year or up to $500,000 over three years for planning projects. Planning projects initiate or expand efforts of urban agriculture, including agriculture assessments, the development of business plans and feasibility studies, support for municipal planning, and program development and implementation of agriculture and innovative production in schools. Implementation Projects Applicants can receive up to $100,000 per single program year or up to $300,000 over three years for implementation projects. Implementation projects can increase food production in small urban and indoor spaces, operate community gardens, provide hands-on training in farming, meet specific food and agricultural needs, and provide schools with resources to grow and consume nutritious food and pursue careers in agriculture. Projects should target one or more urban areas, suburbs, or urban clusters where access to fresh foods is limited or unavailable. Projects should include one or more partner organizations to achieve project goals within the target areas. Nonprofits, local governments, and schools that serve any of the grades K-12 are eligible to apply. To view the slides from an informative webinar, click here. To view the full program announcement, click here. For more information and to apply, click here. Deadline: July 6, 2020

Kahiau Rural Business Development Microloan Program offers technical assistance and $2,000-$15,000 in low interest loans for businesses to help them develop and build a network. Businesses must: (1) Be new/existing on Hawaii Island or Molokai (2) Have a Native Hawaiian or kama`āina (born and raise in Hawaii) owner/operator (3) Reflect at least one of three values: -Strengthening Hawaiian culture -Building community -Ennhancing the health of the natural environment Terms: Loans are provided at a 2% interest rate. Funds should be used to contribute to business viability/growth. Notes: Pre-loan technical assistance is available to help with the loan application process, financial record keeping, credit issues, and business planning. Ongoing monthly technical assistance is also available to help with tasks such as quarterly financial statements. For more information, click here. How to Apply: Access the intake form here, and email the completed form to info@kohalacenter.org. Deadline: until funds are depleted For questions, contact: info@kohalacenter.org or call at (808) 887-6411

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323

The Community Facilities Direct Loan and Grant Program aims to develop essential community facilities in rural areas. Community-based non-profit corporations and public bodies may apply. Examples of agricultural-related projects are community gardens, food pantries, community kitchens, food banks, food hubs, and greenhouses. Note: Rural areas must have less than 20,000 residents. Eligible bodies can an apply for low interest direct loans, grants, or a combination of both. For specific information and funding priorities, click here. If interested, contact: Brenda Iokepa-Moses Hawaii State Director USDA Rural Development Phone: (808) 933-8305

This program provides up to $250,000 grants for non-profits to increase the number of military veterans gaining knowledge and skills through comprehensive, hands-on and immersive model farm and ranch programs offered regionally that lead to successful careers in the food and agricultural sector. To learn more and apply, click here. For more information, contact: Brent Elrod richard.elrod@usda.gov (816) 926-2535 National Program Leader Division of Family & Consumer Services USDA National Institute of Food and Agriculture Deadline: 6/26/2020

The Foreign Market Development Cooperator Program provides funding for projects up to 3 years long that contribute to the effective creation, expansion, or maintenance of foreign markets. Applicants need to have a clear, long–term agricultural trade strategy, have the broadest producer representation and affiliated industry participation of the commodity being promoted, and include an effective program time line against which results can be measured at specific intervals using quantifiable product or country goals. Applicants must be nonprofit U.S. agricultural trade organizations that promote the exports of one or more U.S. agricultural commodities and must not have a business interest in or receive compensation from specific sales of agricultural commodities. For more information and to apply, click here. Deadline: 6/26/2020

The Momentum Fund provides up to $100,000 grants to 501(c)(3) organizations that are managing active COVID-19 funds so these organizations can grow, promote, manage, and sustain their funds. Grants will be given to organizations that serve communities and populations whose health and/or financial situations have been most severely impacted by COVID-19. Note: Applicants must have an active COVID-19 fund of at least $50,000, either pledged, committed, and/or spent that provides funds to other 501(c)(3) organizations. For questions, email: information@momentumfund.org For more information and FAQs, click here. To apply, click here. Deadline: June 18, 2020

The SBA offers export assistance for small businesses that export overseas either directly or indirectly by selling to an intermediary. See below for summaries of their export assistance programs: •Export express loan program Provides up to $500,000 for quick access to capital. Businesses can apply for line of credit/term note before finalizing export sales. •Export working capital program Provides revolving lines of credit or transaction-based financing of up to $5M so businesses can offer attractive payment terms to customers, fulfill export orders, and finance international sales. •International trade loan program To help small businesses engage in International trade, expand trade locations, or re-shore operations back to the US. For more information about each of these programs, click here.

Mosaic offers rapid response grants up to $10,000 to nonprofit grassroots organizations whose aim is to protect the environment or pursue environmental justice. Funds can be used for tools and technology, training, and related resources. Note: Applicants must have an annual budget below $500,000 and be accountable to local constituents. For more information, click here. To complete a brief application, click here. For any questions, email: info@mosaicmomentum.org Deadline: The third round deadline is July 2.

Hawaii Community Foundation hopes to support projects that improve agricultural water use efficiency and provide measurable benefits to the state. Grants up to $50,000 are available for one-year projects, and grants up to $100,000 are available for two-year projects. There are two types of projects they will fund: 1) Water efficiency projects, for the installation of equipment to improve irrigation efficiency/potable water conservation. 2) Water management projects, for the development of a water conservation program/plan or water conservation education program for farmers or agricultural water managers. Nonprofits, state and county governments, public and private agricultural parks, and colleges and universities in Hawaii are eligible to apply. To learn more about the project criteria, preferences, and application instructions, click here. For more information about the Fresh Water Initiative, click here. For questions about this program, contact: Dana Okano Email: dokano@hcf-hawaii.org Phone: (808) 566-5541 Deadline: June 30, 2020

The B&I Loan Guarantee Program provides working capital to prevent, prepare, or respond to the effects the coronavirus. They may be used to support rural businesses, including agricultural producers, that were in operation on 2/15/2020. B&I loan guarantees aim to help businesses and employment in rural areas by strengthening the private credit market through federal guarantees on business loans, helping businesses receive loans that they might not be able to qualify for through USDA FSA loans or otherwise. Projects that receive loan guarantees must provide employment and improve the economic or environmental climate. Terms: •The maximum B&I loan guarantee is 90% for all CARES Act funded loans. •The guarantee fee is 2%. •Appraisals must be completed within two years of the date of application. •Discounting of collateral for working capital loans is not required. •The maximum term for these working capital loans are 10 years. •The loans must be used for working capital. •Federal or state-chartered banks, savings and loans, farm credit banks, and credit unions may apply. For more information, click here. To access a webinar with an overview of program requirements on June 3 at 8:00am Hawaii Time, click here. To apply, work with your commercial lenders to develop a loan package that can be submitted to your local USDA Rural Development state office. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

SBA offers up to $5M loans to help small businesses enter and expand into international markets and make investments to compete with import competition. Terms: •Maturities on the working capital portion of the loan are up to10 years. •Maturities on equipment are up to 10 years, unless the useful life exceed 10 years. •Maturities on any real estate portions of the loan are up to 25 years. •Interest rates are between 2.25-2.75% above the prime rate. •Applicants must meet the same eligibility requirements as SBA’s standard 7(a) Loan Program. For more information, click here. To apply, contact an SBA-participating lender. Your lender can submit the SBA Form 4 (Application for Business Loan) to the SBA.

Grants and loans available to public agencies and private nonprofit organizations to prevent, prepare, and respond to COVID-19 impacts with emphasis on public health, housing, economic recovery, and the needs of low- and moderate-income persons. For more information, click here. To access the application, click here for page 1 and here for page 2. Questions: Call (808) 661-8379 Email ohcdcdbg@hawaiicounty.gov

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Farm Service Agency has a wide range of loan programs including: •Direct Operating Loans •Direct Farm Ownership Loans •Minority and Women Farmers and Rachers •Emergency Loans •Microloans Note: FSA has relaxed some of their application guidelines due to the coronavirus. See here for more information. For more information about each of these programs and to apply, click here.

The Office of Hawaiian Affairs offers $2,500-$100,000 loans with a 4% APR and up to a 7-year term. Loans can be used for working capital or to establish or build upon a small business. Applicants must be of Native Hawaiian ancestry, State of Hawaii residents, have a credit score of 600 or greater, and be US citizens. Businesses must have an income-to-debt ratio of 45% or less, and must be registered and in good standing with DCCA. For more information and to access required documents, click here.

Farmers with USDA farm loans who have been affected by COVID-19 can have their next payment set aside. The set-aside payment’s due date would be moved to the final maturity date of the loan or extended up to 12 months (for annual operating loans). To discuss/request a loan payment set-aside, call or email your local FSA county office. A directory can be found here. Note: •Principal set-asides will continue to accrue interest until repaid. •If you have suffered from a prior designated disaster and have already had a payment set aside, you may be eligible to have a second payment set aside. •FSA direct loan borrowers should receive a letter with all relevant details. •USDA has announced additional farm loan, commodity loan, and crop insurance flexibilities. To view these announcements, click here. •For a basic introduction into FSA loans, click here.

The Rural Economic Development Loan and Grant program provides funding for rural projects through local utility organizations. USDA provides zero-interest loans to local utilities which they, in turn, pass through to local businesses (ultimate recipients) for projects that will create and retain employment in rural areas. The ultimate recipients repay the lending utility directly. The utility then is responsible for repayment to USDA. USDA provides grants to local utility organizations which use the funding to establish Revolving Loan Funds (RLF). Loans are made from the revolving loan funds to projects that will create or retain rural jobs. When the revolving loan fund is terminated, the grant is repaid to USDA. Former Rural Utilities Service borrowers who borrowed, repaid or pre-paid an insured, direct or guaranteed loan, nonprofit utilities that are eligible to receive assistance from the Rural Development Electric or Telecommunication Programs, and current Rural Development Electric or Telecommunication Programs borrowers may apply. Applications are accepted year-round. For more information, click here. To apply, work with your USDA Rural Development Office. Brenda Iokepa-Moses State Director (808) 933-8305

The Hua Kanu Business Loan Program provides $200,000-$1,000,000 loans to Native Hawaiian-owned businesses. The loan has a 7-year term at 4% APR. The loan may be used for working capital or to purchase equipment or inventory. For more information, required documents, and a loan calculator, click here. To inquire about a Hua Kanu loan, please contact them at (808) 594-1924, NHRLF@ohaloanfund.org, or contact your OHA neighbor island office.

This community-sourced document lists food needs and resources throughout the state in an effort to connect those looking for food with those who are looking to sell. To view this resource, click here.

Financial counseling and loans up to $2,500 for individual workers and $5,000 for self-employed persons will be provided to asset limited, income constrained, employed residents who reside on Hawaii Island and have lost income due to COVID-19. For more information, click here. To apply, click here. To request a paper application or complete an application over the phone, call (808) 934-0801.

As of May 4, 2020, the USDA announced It will purchase $470 M in food during the third quarter of the 2020 fiscal year and distribute it to those in need through CSFP, TEFAP, and USDA Foods in Schools. AMS will begin issuing solicitations in June and intends to begin deliveries in July. AMS also purchases a variety of domestically produced and processed commodity food products through the AMS Commodity Procurement Program. To see specific purchase amounts for each program, click here. AMS will purchase a variety of fruits, vegetables, meat, dairy, and seafood products under this additional $470M. To see if the your products are included, click here. In order to participate in this program, you must be an approved USDA vendor. To learn more about becoming an approved vendor, click here. To see requirements for USDA product consideration, see here. For any questions, please contact your commodity procurement division (organized by product). To access this directory, click here.

Hawaii Seed Growers Network is looking for seed growers in Hawaii. If you are interested, contact nancyredfeather@hawaii.rr.com or contact them here.

The Kauai Senior Farmers’ Market Nutrition Program (SFMNP) provides low income seniors with eligible produce while supporting local farmers. Participants can fill out an application and receive a $5 voucher booklet for $50 of produce. The SFMNP accepts produce that is at least 55% locally grown. The SFMNP started on April 1 but farmers are able to apply past this date. To find out more about becoming a participating farmer, click here. For any questions, contact: Jared Kawatani Phone: (808) 954-7877

Malama Virtual Farmers Market provides free deliveries of local produce and products. Customers can shop 7 days a week, 24 hours a day and can purchase produce, baked goods, chocolate, meat and seafood. To learn more, click here. If you are interested in selling your local produce or locally-made items, contact: John Genovese Phone: (808) 639-1980 Email: info@malamaauctions.com

Nani Moon Mead is a honey wine company in Kauai looking for lemongrass, kefir lime, kumquat, buddhas hand, calamansi. If interested, please email: nanimoonmeadinfo@gmail.com

Giving Kauai Hope is offering to make custom shirts for small businesses to promote sell. Businesses will receive $10 for every t-shirt sold. To create a custom t-shirt, send them your logo and apply through this link. To see an example of a custom made t-shirt, click here.

Nourish Hanalei is looking to purchase apple bananas. We buy year round, and pay upon delivery in Princeville. Minimum purchase 50 lb. Looking forward to meeting you! If interested, email nourishhanalei@gmail.com Kauai Juice Co. is seeking red jalapeno peppers in bulk. If interested, please contact Kyle at kyle@kauaijuiceco.com or 979-578-1903. Email is preferred.

In May and June, 6,400 locally-produced Farm-to-School CSA boxes will be distributed by Malama Kauai through drive-thru programs at Kauai schools for families in need, thanks to funding from the USDA’s Farmers to Families Food Box Program. MK will be purchasing over $200,000 of mixed veggies and fruits, as well as 4 oz. cheese tubs from local producers. Extended deadline! Farmers may submit bids on an ongoing basis as long as opportunities remain available. Please call Robyn with questions at (808) 828-0685 x10 or grants@malamakauai.org.

Try Eat Hawaii provides an online marketplace for growers to display their products. Customers can access this platform and make transactions directly with farmers. To register as a grower, click here.

Hawaii Island’s Bridges Program uses public/private partnerships to strengthen local agriculture production by purchasing locally grown food and flowers and donating them to approved community organizations to distribute. Participants in this program do not have to be HFB members. To learn more, click here. If interested in participating, fill out this short form here.

Da Box is a community supported agriculture program that purchases local produce to sell to customers island-wide. To learn more, click here. Da Box is not currently accepting new customer sign-ups but interested customers may call (808) 933-6030 to be placed on a wait list.

The Farm Product Purchase Program purchases produce and meats from commercial farmers and livestock producers to distribute to families in need through The Food Basket and other channels. HFB membership is not required to participate. Value added products are not eligible for the Farm Product Purchase Program at this time. For more information, click here. If interested in applying, fill out the application here and email it to kaiwiki.1970@gmail.com. You should receive an email confirmation.

Local Inside provides weekly/bi-weekly deliveries of fruits and vegetables from Oahu farms, as well as honey, condiments, butters, and jellies. To learn more, see here.

Hawaii Farm Bureau offers a drive-thru farmer’s market every Wednesday, Thursday, and Saturday in order to provide fresh, locally-grown produce to customers while supporting hard-working farmers. Customers can order produce online and pick it up at Blaisdell or Windward Mall. For more information, click here. While some farmers’ markets are closed, there is still an opportunity for farmers and ranchers to sell directly to consumers. Contact (808) 848-2074 or apply here.

Farm Link is an online local food marketplace and delivery network based on O‘ahu. Customers can purchase products online and have them delivered to them. To learn more, click here. For further information, contact: info@farmlinkhawaii.com (808) 201-5252

HAF recently added farms and farm-related resources to its free marketing Food-A-Go-Go platform on May 7, 2020. With many farmers’markets initially closed there is no up-to-date information on where to buy local produce. Farmers, especially the smaller producers, are vulnerable with the loss of wholesale distribution to the hotels and closure of farmers’ markets. Many farmers have started their own CSA programs and are selling direct to the consumer. In addition, new CSAs are popping up and offering local produce boxes. With a lack of information on where to buy local produce, Food-A-Go-Go Farms helps consumers find local produce and producers. The platform includes local farmers, CSA providers, and local producers in two categories: Local Inside® for value-added products made with locally grown, caught or raised ingredients and Aloha Inside® for any food product made locally in Hawai‘i. To be included on this directory, fill out the form here.

The Community Food Projects Competitive Grants Programoffers a $35,000-$400,000 grant to fund: (1) community food projects to support the development of community-based food projects (2) planning projects in order to improve community food security Note: A 100% match is required. For more information, click here. To view specific eligibility requirements and apply, click here. Deadline June 3, 2020 For more questions, contact: Paul Cotton Email: paul.cotton@usda.gov Phone: (816) 926-1608 Division Director of the Division of Nutrition

The Star Advertiser has created a Hawaii business directory to keep the community informed about businesses' operating status during this pandemic. To see the current directory, click here. To be added to this directory, fill out the following form here.

This program aims to improve access to clean, reliable water and waste disposal systems for households and rural businesses. These loans can be used for projects relating to drinking water, sewers, waste disposal, storm water disposal, etc. Nonprofit organizations and state and local governmental entities can apply. To learn more, click here. To apply, ask your private lender if they participate in USDA loan guarantee programs or contact: Hawaii and Western Pacific State Office USDA Rural Development Phone: (808) 933-8380

HCRC Emergency Loan Program (HELP) provides short-term bridge loans and term loans between $15,000-$100,000 to non-profits and mission aligned small businesses that are otherwise unable to secure financing but have an immediate need for capital. Funds can be used for payroll, rent, mortgage interest, utilities and other operating expenses to allow the organizations to stay open. Note: Organizations have to have annual revenue of at least $100,000 Priority is given to organizations that have applied for PPP or EIDL but have been declined or are waiting for a response. Terms: •6-month bridge loan that converts to a 42-month term loan for a total of 48 months •3% fixed interest rate for the 6-month bridge loan period and 5% fixed interest rate for the 42-month loan period •For profit businesses have to have all individuals with a 20% ownership interest in the organization provide a personal guarantee. •Non-profits don’t have to provide a personal guarantee if their board of directors is comprised of a majority of independent voting directors. •Need 2 years of historical financial statements or tax returns and cash flow protection (can be simple or complex) For more information about eligibility and to apply, click here. For an overview of the program, click here. For further questions, Chelsea Schull LISC-HCRC Hawaii Program Officer help@hcrchawaii.com

The Agriculture Leadership Foundation of Hawaii is collecting information on farms that are offering products through online ordering, delivery service, and direct pick-up. This operating information will be shared with the public. To add your business and update your operating status, click here.

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply. This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323 Deadline: 9/30/2020

Farm Business Management and Benchmarking Competitive Grants Program offers $100,000-$500,000 grants to improve farm management knowledge and skills of agricultural producers through maintaining and expanding a national, publicly available farm financial management database to support improved farm management. Note: There are no. cost sharing/matching requirements. To learn more, click here. To apply, click here. Deadline: June 5, 2020 Questions: Brent Elrod National Program Leader Division of Family & Consumer Services Richard.elrod@usda.gov (816) 926-2535

Honolulu Small Business Relief Fund The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. UPDATE! AS OF JUNE 16: Small Farm Relief Fund This Relief Fund is part of the Small business Relief and Recovery Fund. They have removed some of the barriers farmers had with eligibility. If you did not qualify before you may qualify now! This fund is available to farms with $2 M or less in annual revenue and have 50 or fewer employees, and provides up to $10,000 in expense reimbursement to qualified businesses. Please provide: • A copy of TMK/lease of the land • Current land dedication for agricultural use (sent to plai@honolulu.gov or jokuhama@cbllending.com) Notes: • When the application asks you to provide a “detailed description of business products/services provided,” make sure to use one of the following key words: “agriculture, farming, vegetables, flowers, ornamentals, aquaponic, hydroponic, or livestock.” This way, credit unions will be able to expedite the review process. Please see here for more information and translated resources in Chinese, Japanese, and Filipino. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

Poise is awarding 20 $15,000 grants to women-owned businesses to bounce back from COVID-19. Preference is given to businesses that challenge societal norms/stigmas or have a strong connection to moms/motherhood, demonstrate a passion for female empowerment, have a demonstrated need due to COVID-19, and display energy, enthusiasm, creativity, and passion for the business. To apply, click here. For more information, click here. Deadline: June 30, 2020

The Agricultural Management Assistance Program provides cost share assistance to agricultural producers to address issues such as water management, water quality, and erosion control. For more details, click here. To apply, contact your local USDA service center. contact local USDA service center. Directories can be found here.

The Entrepreneurial Dream Project provides $100,000 grants and/or mentorship to new businesses. Note: •Companies with products made publicly available in 2019 or later or companies who have not yet launched are eligible to apply. Companies must be pre-revenue or have gross annualized revenue under $2.5M. •Companies and founders must have an active website and social media account. For more information, click here. To apply, click here. Deadline: June 15, 2020 For further questions, email: EDP@supermaker.com

The Coronavirus Food Assistance Program provides direct support based on actual losses for agricultural producers with impacted prices and market supply chains. These funds can be used to support adjustment, additional marketing costs, and short-term oversupply. Farms of all sizes and markets that suffered losses are eligible to apply. For more information, click here. USDA will announce more details soon on how to apply.

The CLIF Bar Family Foundation provides small grants to 501(c)3 organizations that support one or more of the following objectives: •Protect earth’s beauty and bounty •Create a robust, healthy food system •Increase opportunities for outdoor activity •Reduce environmental health hazards •Build stronger communities Applicants’ most recent 990 and P&L for the current year and last year are required for general support. A detailed budget including income and expense is also required for specific project requests. To find out if you are eligible, take this short eligibility quiz here. For more information, click here. To apply, click here. Deadline: October 1, 2020

Immigrants Rising’s Entrepreneurship Fund provides up to $2,000 grants to undocumented entrepreneurs working to create positive social change. Grantees will be offered support and guidance from professional advisors, join a national network of undocumented freelancers and entrepreneurs, and get social media exposure for their projects. Projects must create positive social change and must be designed and led by undocumented young people. Applications are accepted on a rolling basis and reviewed every month. For more information, click here. To apply, click here.

A total of $250,000 in grants will be awarded to eighteen entrepreneurs. Awards will be granted based on demonstrated need and proposed use of funds. For-profit businesses may apply. Preference is given to companies that have launched and need support to scale. If applicants make it to the semi-finalist round, they will have to create a pitch video. For more information, click here. To apply, click here. Deadline: July 16, 2020

Popup Makeke is an online marketplace where consumers can access local products, including value-added agricultural products. While they are not currently accepting applications for new vendors, if you sign up for their email list, you will be alerted of any new opportunities. To sign up for their email list, visit this page and scroll to the bottom to subscribe here.

The County of Hawaii is requesting grant proposals for the 2020-2021 fiscal year for projects that aim to support economic recovery and innovation from COVID-19 in the economic development, tourism, agriculture, creative economy, energy, and sustainable development sectors. Note: Proposals must be sealed and physically delivered. Please see here for the delivery locations. For more information and to see previous grant award lists and forms, click here. To view the RFP, click here. To access FAQs, click here. Deadline: June 22, 2020

GoFundMe will give $500 to businesses that raise at least $500 on their platform. This fund will continue until funds are depleted.The relief fund has been in operation since March so it is important to launch a crowdfunding campaign as soon as possible if you would like to participate. What is crowdfunding? Crowdfunding is a type of fundraising where organizations can ask the public for support. It begins with businesses sharing their stories and asking their audience to donate or invest in their business. Eligibility To be eligible for this opportunity, businesses have to: 1) be independently owned and operated 2) be negatively impacted by a government mandate due to COVID-19 3) not be nationally dominant in their field of operation 4) use these funds to care for their employees/workers or pay ongoing business expenses 5) have no fraud reports against them To access FAQs, click here. To participate in this opportunity, sign up for GoFundMe, start a fundraiser, add the hashtag #SmallBusinessRelief to your story, and fill out this short form. Once you raise $500, GoFundMe should automatically issue this additional $500 to the associated bank account.

The Rural Business Development Grant provides technical assistance and training for small rural businesses with fewer than 50 new workers and less than $1M in gross revenue. There is no maximum grant amount. There are two types of grants: enterprise grants and opportunity grants. To see examples of both enterprise and opportunity grants, click here. For more information, click here. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

Community nonprofit organizations can receive up to $500,000 grants towards disaster relief, recovery, mitigation, and remediation assistance for physical damages or losses from the Kilauea eruption. To access the application, click here. For more information, click here. Questions: Patti Pinto Recovery Assistant Phone: 961-8500 Email: patti.pinto@hawaiicounty.gov

Webmaster Services Hawaii is offering to add a free alert to your business website to keep customers informed about your operating status. Click here to visit their website. If interested, please contact: gwells@webmasterserviceshawaii.com

Online Business Development Services will develop a Shopify website for your organization within 1-2 days for $100 ($150 for a website and Facebook page) so customers can order online, pay in advance, and pick up directly. They can also create social media pages on Instagram or Google My Business. They are willing to accept products as payment if needed. Shopify is an e-commerce platform that costs $29/month. For more information, see here. If interested, contact: Regina L. Floyd Email: reginafloyd@gmail.com (with subject line "Farmers Market Website") Phone: (808) 742-8424

SBA documents have been translated in multiple languages. Please find them here.

Grants.gov is the portal through which organizations apply for federal funding opportunities. A majority of federal funding opportunities are posted on grants.gov; thus, it is imperative that grant seekers maintain an up-to-date understanding of this portal. Grants.gov’s community blog provides tips for writing grant proposals and common eligibility and policy definitions referenced in the grants.gov website. To access the grants.gov community blog, click here. Grants.gov also holds financial management training seminars, grant management boot camps, and other events. Though there are no upcoming events in Hawaii, many of the existing events have changed to virtual formats, so Hawaii agriculturalists may be able to access these events online. To see a list of upcoming events, click here.

Nonprofitready.org is a free online learning library with articles and lessons on a multitude of different topics ranging from grant seeking to digital marketing. This resource is open to anyone, not just nonprofits, and provides short training modules on how to find, write, and acquire grants. To sign up for a free account, click here.

Google offers up to $10,000 of in-kind advertising on Google Search every month for nonprofits to create text ads. 1) First, your organization must apply to Google for Nonprofits, a G Suite made specifically for nonprofits. To request a Google for Nonprofits account, click here. 2) You must also have a high-quality website that meets these guidelines. 3) Finally, you must fill out an eligibility form and submit your activation for review. For complete instructions on how to do this, click here. To learn more about Google Ad Grants, click here.

Pacific Media Group has created a $2M marketing fund for Hawaii businesses to help local businesses connect with consumers with goods and services during COVID-19. To apply, click here.

Pacific Community Ventures offers free and confidential mentoring services to small business owners by matching organizations with pro-bono business coaches and mentors. Companies that have worked with these mentors have increased their annual revenue by an average of 20%. To create your account and sign up, click here.

Alderspring Ranch in Idaho provides a free five-day mini course designed for farmers and ranchers with frozen products to teach them how to deliver directly and sell through online storefronts. To sign up, click here.

NRCS is able to partially cover the cost of disposing livestock due to the impacts of the coronavirus and other emergency animal mortality events. Swine, livestock, and poultry are all eligible. Note: •An application and approved early start waiver must be filed with NRCS before animal carcasses are disposed of. •Producers must also have FSA farm records. For more information and to view payment rates, click here. To apply, contact your local USDA service center. Contact information by county can be found here.

Hawaii Alliance of Nonprofit Organizations offers free technical assistance to the first 300 nonprofits requesting SBA loan assistance. To request assistance, contact one of the following seasoned consultants here.

The Paycheck Protection Program (PPP) helps businesses with fewer than 500 employees keep workers on payroll. Sole proprietorships, independent contractors, self-employed persons, and private non-profits may also apply. SBA will fully forgive loans IF all employees kept on payroll for 8 weeks and at least 60% of it is used on payroll. The rest can be used for rent, mortgage interest, and utilities. If the loan is not fully forgiven, loan payments will be deferred for 10 months. Loans will have a 2-year term with 1% interest. No collateral or personal guarantees are required, and there are no government or lenders’ fees. Loan Forgiveness Instructions and Application: As of 5/15, the loan forgiveness instructions were released with certain measures to reduce compliance burdens. These measures include: •Options for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with borrowers’ regular payroll cycles •Flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan •Step-by-step instructions on how to perform the calculations required by the CARES Act to confirm eligibility for loan forgiveness •Borrower-friendly implementation of statutory exemptions from loan forgiveness reduction based on rehiring by June 30 •Addition of a new exemption from the loan forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined To view the loan forgiveness instructions and application, click here. *Update: On June 4, the PPP Flexibility Act was signed into law. This act gives recipients of the PPP 24 weeks to use their funding from the date they received it. In addition, the loan payment deferral period was extended and only 60% of total funds have to be spent on payroll costs to be fully forgiven. To read more about the PPP Flexibility Act and the conditions for forgiveness, click here. Helpful Resources: •To calculate the amount of funding your business qualifies for under EIDL and PPP, click here •To calculate the maximum amount of loan forgiveness, access an interactive calculator here •For best practices to ensure qualification for full loan forgiveness, click here •For an overview of the PPP from the Hawaii Chamber of Commerce, click here •For definitions of payroll costs and other technical language, click here •For answers to common FAQs, click here, here, orhere •To learn how PPP affects taxes and access other Hawaii State tax information, click here Updates: •As of 5/5, PPP approvals for new funding requests looked very promising! •7,717 Hawaii PPP loans already approved from Round 2. •and $175B of $310B of available funds were used up in the first week of Round 2. •The average Hawaii loan size for Round 2 is $54,000. •CPB and ASB are still accepting new PPP applications for existing and non-bank clients. Notes: •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. •Applicants must certify in good faith that the current economic uncertainty makes their PPP loan request necessary to support their ongoing operations in the PPP application form, and should be prepared to demonstrate to the SBA the basis of its certification upon request. •Forgiven PPP debt is excluded from gross income and therefore not subject to federal income tax. Q: If I laid off an employee, offered to rehire them, but they declined the offer, will I still be able to gain loan forgiveness under the PPP? A: Yes, but you must have a good faith, written offer of rehire, and documented employee rejection of the offer; also note that employees who reject these offers may forfeit eligibility for continued unemployment compensation. To listen to an audio recording about EIDL and PPP specifically for agricultural businesses, click here. How to apply: Businesses can apply for the PPP through any existing SBA 7(a) lender OR any federally insured depository institution or credit union OR farm credit system. Call your local bank and ask if they are participating! To see a list of participating lenders, click here. Deadline: June 30, 2020

HDOA proovides emergency loans for farmers of up to $150,000 at 3% interest. Loans up to $100,000 will not require credit denials from other financial institutions. HDOA has waived their three-year residency requirements. For more information, click here. To apply, contact the nearest HDOA office. Oahu, Kauai, Maui: (808) 973-9460 Hilo: (808) 933-9975
 Kona: (808) 323-7591

Hawaii Community Foundation is offering grants for projects that address one or more phases of their four-phased approach to community resilience. The four phases are: (1) Risk reduction (2) Rapid relief and response (3) Recovery and stabilization (4) Rebuilding resilience To learn more, click here. To quickly distribute resources, Hawaii Community Foundation has foregone a formal application process. If interested, please email them of your needs at grants@hcf-hawaii.org.

HFUU is looking for farmers that want to sell to food hubs and increase production. They are also looking for businesses with commercial refrigeration space, and restaurants/food entrepeneurs who want to utilize a ghost kitchen model to prepare family-style meals for pickup or for door-to-door delivery. HFUU recently assembled a task force to support agricultural communities by aggregating and sorting food into CSA boxes in food hubs and commercial kitchens. They also hope to partner with chefs, caterers, and other prepared foods businesses. For more information, see here. To get involved, email: food@hfuuhi.org

The Economic Injury Disaster Loan (EIDL) and EIDL Emergency Advance provides working capital loans of up to $2M for small businesses to overcome temporary loss of revenue due to COVID-19. As of April 13, EIDL now includes farm and ranch businesses with fewer than 500 employees, aquaculture, nurseries, and agricultural cooperatives. Businesses can also apply for a loan advance of up to $10,000, which will become available within 3 days of successful application and will not have to be repaid. If agricultural businesses applied to EIDL before EIDL was opened to agricultural businesses, applications will be processed without businesses having to reapply. Terms: •3.75% interest for small businesses without available credit elsewhere •2.75% interest for nonprofits •Up to a 30-year amortized loan with one year of deferred payments. Note: •SBA determines loan amount based on the working capital needs of the business. Interest rates on the loans are 3.75% for businesses and 2.75% for nonprofits. •If the loans are over $25,000, SBA will take a general security interest in the business assets; they will take a UCC filing. •The EIDL advance does not require any type of reporting; however, it is subject to federal and state income tax. The EIDL loans are not subject to federal and state income tax. Any advance that receive from EIDL could be subtracted from the PPP forgiveness. •Applicants have to be officially registered businesses in existence for over a year. Owners have to have invested equity, demonstrate an ability to repay, and have exhausted other assets/insurance that can be liquidated. •Both US citizens and residents can apply. •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. EIDL is designed to be used for working capital. This includes paying fixed debts, payroll, accounts payable, and other accounts businesses would have paid should this disaster not have occurred. The loans are not intended to replace lost sales/profits, but designed to help maintain viability and operations. •There are no costs to apply and there is no obligation to take the loan if it is offered to you. Things the application will ask: •Business name •Trade name •EIN number or SSN for sole proprietorships •Organization type •Business activity •Bank account information where funds can be deposited (account number, bank routing number) •For the 12 month period prior to January 30, 2020, business gross revenues of business, COGS, costs of operation/operating expenses •Compensation from any other source that could potentially duplicate funding purposes •Tip: Make sure to check EIDL loan advance box. To apply, click here. Helpful Resources: •For a webinar from the SBDC on how to fill out the application, click here •For a list of documents needed to apply, click here •For more information about EIDL and PPP, click here •For step-by-step instructions on how to fill out the application, click here •To compare the EIDL, PPP, and other federal programs, click here orhere •To compare the compare the EIDL and the SBA 7(a) loan, click hereUpdates: EIDL reopened for agricultural businesses on May 4. Notes: •The application may take up to 2 hours. •To check the status of a disaster loan application/advance, call SBA’s customer service center at (800) 659-2955 or email disastercustomerservice@sba.gov. Deadline: TBD

The Healy Foundation offers grant up to $50,000 for nonprofits in Hawaii for projects that address protection of ecosystems, climate change mitigation, reduction of childhood poverty, or youth advocacy and education. Note: The board meets four times a year to award grants. For more information, click here. To apply, submit a Letter of Inquiry on their grant portal here. For further questions, email sgeary@thehealyfoundation.org

Foodland hopes to support local farmers by purchasing the supply of food produced until the demand resumes and/or by facilitating food distribution. The goal is to minimize the need to import food. To add any products you may have available, please complete this short form here or contact Foodland at (808) 732-0791. Please note that completing this form does not guarantee market access.

SBA Express Bridge Loans are for small businesses who already have a relationship with an SBA Express Lender to meet urgent cash needs while waiting for EIDL disbursement. Businesses can access up to $25,000 with less paperwork and a loan term of up to 7 years. Businesses must have: •Less than 500 employees •Been in operation as of 3/13/2020 •Adverseley iimpacted by coronavirus •Have a pre-existing relationship with a lender that offers EIDL loans as of 3/13/2020 For more information, click here, here, or here.

Hawaii Food Producers Fund offers 0% interest loans up to $10,000 to Hawaii food producers (Hawaii-based farmers and food processors with at least one Hawaii-grown ingredient) through Kiva. Money may be used for any business purpose. Terms: Applicants can receive 50% of the loan from the Hawaii Food Producers Fund. Loans may be repaid in three years in weekly/monthly PayPal installments with grace periods of up to 6 months for farmers. No collateral is required. Note: Applicants must invite an initial pool of lenders from their own network that must lend as little as $25 each. The application requires a photo, personal story, and business description. Kiva has a 100% funding success rate for Hawaii entrepreneurs. To see successfully funded recipients of the Hawaii Food Producers Fund, click here.To start your application, click here. For questions, contact: Eric Bowman Email: ebowman@kohalacenter.org Phone: (808) 887-6411

If you have an oversupply of product, HDOA is able to purchase bulk amounts of product for a conservative price. For inquiries, please email: Nicole Pfeffer Email: nicole.y.pfeffer@hawaii.gov Phone: (808) 973-9573 HDOA Economic Development Specialist Include available pounds, frequency of availability, quality (off-grade, for instance), and selling price per pound/unit.

FEMA Public Assistance Programs reimburse eligible applicants for costs associated with emergency protective measures in response to the COVID-19 pandemic. Note: FEMA assistance will be provided at 75% federal cost share. To learn more about the specific projects asnd activities funded under FEMA, click here. To apply, fill out the application here. Deadline: Program will remain open for the duration of the Public Health Emergency as declared by the Secretary of Health and Human Services.

COVID-19 has caused coffee sales to slow or halt for many businesses. SHAC has been in conversation with USDA to facilitate purchases of Hawaiian-grown products for government use. If you have roasted coffee that you would like to make eligible for USDA purchase, please contact: suzanne@shachawaii.org Include the total quantity you would like to make available, and the requested price. Also include the format (bag, pods, commercial packs). All information will be kept confidential.

SBA offers numerous other loans. See below for summaries of each: •7(a) Program -up to $5M through lending partners for small businesses -money for working capital, expansion/renovation, new construction, etc. •Express Loan program -up to $350,000 for up to 7 years with an option to resolve -36 hour approval/denial turnaround time •Community Advantage Loan Pilot Program -mission-based lenders can assist small businesses in underserved markets through loans up to $250,000 •504 Loan Program -for economic development and job creation/retention -can only use funds for acquiring or refinancing fixed assets •Microloans -up to $50,000 (average size is $14,000) loans through nonprofit lending organizations to underserved markets -money can be used for working capital, supplies, machinery and equipment, fixtures For more information on each of these programs, click here. For an overview of SBA financing options, see page 32 of this document.

Small businesses can receive loans up to $25,000 from both the HDOA and the HDBEDT. For more information, click here or here. To learn more about CBEDT, click here. For any questions, please contact: Wayne Thom Email: wayne.k.thom@Hawaiʻi.gov CBEDT Program Hawaiʻi Department of Business Economic Development and Tourism

The Federal Reserve Main Street Lending Program is offered by the Federal Reserve to help banks give money more freely to businesses in need maintain payroll and retain workers through this pandemi cby purchasing a large portion of loans from banks. This program is available to any business that have less than 15,000 employees and/or annual revenues under $5 billion. For additional eligibility requirements and more information, see here. To apply, contact your local lender.

The Opportunity Fund is a US-based nonprofit organization that provides financing and microloans from $2,600 to $250,000 to underserved small-business owners. For more information, click here. To inquire about financing options, call 1-888-720-3215, Monday through Friday, 8 am – 6 pm PT.

This grants program is in its first year of existence and is comprised of two projects: Planning Projects Applicants can receive up to $200,000 per single program year or up to $500,000 over three years for planning projects. Planning projects initiate or expand efforts of urban agriculture, including agriculture assessments, the development of business plans and feasibility studies, support for municipal planning, and program development and implementation of agriculture and innovative production in schools. Implementation Projects Applicants can receive up to $100,000 per single program year or up to $300,000 over three years for implementation projects. Implementation projects can increase food production in small urban and indoor spaces, operate community gardens, provide hands-on training in farming, meet specific food and agricultural needs, and provide schools with resources to grow and consume nutritious food and pursue careers in agriculture. Projects should target one or more urban areas, suburbs, or urban clusters where access to fresh foods is limited or unavailable. Projects should include one or more partner organizations to achieve project goals within the target areas. Nonprofits, local governments, and schools that serve any of the grades K-12 are eligible to apply. To view the slides from an informative webinar, click here. To view the full program announcement, click here. For more information and to apply, click here. Deadline: July 6, 2020

Kahiau Rural Business Development Microloan Program offers technical assistance and $2,000-$15,000 in low interest loans for businesses to help them develop and build a network. Businesses must: (1) Be new/existing on Hawaii Island or Molokai (2) Have a Native Hawaiian or kama`āina (born and raise in Hawaii) owner/operator (3) Reflect at least one of three values: -Strengthening Hawaiian culture -Building community -Ennhancing the health of the natural environment Terms: Loans are provided at a 2% interest rate. Funds should be used to contribute to business viability/growth. Notes: Pre-loan technical assistance is available to help with the loan application process, financial record keeping, credit issues, and business planning. Ongoing monthly technical assistance is also available to help with tasks such as quarterly financial statements. For more information, click here. How to Apply: Access the intake form here, and email the completed form to info@kohalacenter.org. Deadline: until funds are depleted For questions, contact: info@kohalacenter.org or call at (808) 887-6411

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323

The Community Facilities Direct Loan and Grant Program aims to develop essential community facilities in rural areas. Community-based non-profit corporations and public bodies may apply. Examples of agricultural-related projects are community gardens, food pantries, community kitchens, food banks, food hubs, and greenhouses. Note: Rural areas must have less than 20,000 residents. Eligible bodies can an apply for low interest direct loans, grants, or a combination of both. For specific information and funding priorities, click here. If interested, contact: Brenda Iokepa-Moses Hawaii State Director USDA Rural Development Phone: (808) 933-8305

This program provides up to $250,000 grants for non-profits to increase the number of military veterans gaining knowledge and skills through comprehensive, hands-on and immersive model farm and ranch programs offered regionally that lead to successful careers in the food and agricultural sector. To learn more and apply, click here. For more information, contact: Brent Elrod richard.elrod@usda.gov (816) 926-2535 National Program Leader Division of Family & Consumer Services USDA National Institute of Food and Agriculture Deadline: 6/26/2020

The Foreign Market Development Cooperator Program provides funding for projects up to 3 years long that contribute to the effective creation, expansion, or maintenance of foreign markets. Applicants need to have a clear, long–term agricultural trade strategy, have the broadest producer representation and affiliated industry participation of the commodity being promoted, and include an effective program time line against which results can be measured at specific intervals using quantifiable product or country goals. Applicants must be nonprofit U.S. agricultural trade organizations that promote the exports of one or more U.S. agricultural commodities and must not have a business interest in or receive compensation from specific sales of agricultural commodities. For more information and to apply, click here. Deadline: 6/26/2020

The Momentum Fund provides up to $100,000 grants to 501(c)(3) organizations that are managing active COVID-19 funds so these organizations can grow, promote, manage, and sustain their funds. Grants will be given to organizations that serve communities and populations whose health and/or financial situations have been most severely impacted by COVID-19. Note: Applicants must have an active COVID-19 fund of at least $50,000, either pledged, committed, and/or spent that provides funds to other 501(c)(3) organizations. For questions, email: information@momentumfund.org For more information and FAQs, click here. To apply, click here. Deadline: June 18, 2020

The SBA offers export assistance for small businesses that export overseas either directly or indirectly by selling to an intermediary. See below for summaries of their export assistance programs: •Export express loan program Provides up to $500,000 for quick access to capital. Businesses can apply for line of credit/term note before finalizing export sales. •Export working capital program Provides revolving lines of credit or transaction-based financing of up to $5M so businesses can offer attractive payment terms to customers, fulfill export orders, and finance international sales. •International trade loan program To help small businesses engage in International trade, expand trade locations, or re-shore operations back to the US. For more information about each of these programs, click here.

Mosaic offers rapid response grants up to $10,000 to nonprofit grassroots organizations whose aim is to protect the environment or pursue environmental justice. Funds can be used for tools and technology, training, and related resources. Note: Applicants must have an annual budget below $500,000 and be accountable to local constituents. For more information, click here. To complete a brief application, click here. For any questions, email: info@mosaicmomentum.org Deadline: The third round deadline is July 2.

Hawaii Community Foundation hopes to support projects that improve agricultural water use efficiency and provide measurable benefits to the state. Grants up to $50,000 are available for one-year projects, and grants up to $100,000 are available for two-year projects. There are two types of projects they will fund: 1) Water efficiency projects, for the installation of equipment to improve irrigation efficiency/potable water conservation. 2) Water management projects, for the development of a water conservation program/plan or water conservation education program for farmers or agricultural water managers. Nonprofits, state and county governments, public and private agricultural parks, and colleges and universities in Hawaii are eligible to apply. To learn more about the project criteria, preferences, and application instructions, click here. For more information about the Fresh Water Initiative, click here. For questions about this program, contact: Dana Okano Email: dokano@hcf-hawaii.org Phone: (808) 566-5541 Deadline: June 30, 2020

The B&I Loan Guarantee Program provides working capital to prevent, prepare, or respond to the effects the coronavirus. They may be used to support rural businesses, including agricultural producers, that were in operation on 2/15/2020. B&I loan guarantees aim to help businesses and employment in rural areas by strengthening the private credit market through federal guarantees on business loans, helping businesses receive loans that they might not be able to qualify for through USDA FSA loans or otherwise. Projects that receive loan guarantees must provide employment and improve the economic or environmental climate. Terms: •The maximum B&I loan guarantee is 90% for all CARES Act funded loans. •The guarantee fee is 2%. •Appraisals must be completed within two years of the date of application. •Discounting of collateral for working capital loans is not required. •The maximum term for these working capital loans are 10 years. •The loans must be used for working capital. •Federal or state-chartered banks, savings and loans, farm credit banks, and credit unions may apply. For more information, click here. To access a webinar with an overview of program requirements on June 3 at 8:00am Hawaii Time, click here. To apply, work with your commercial lenders to develop a loan package that can be submitted to your local USDA Rural Development state office. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

SBA offers up to $5M loans to help small businesses enter and expand into international markets and make investments to compete with import competition. Terms: •Maturities on the working capital portion of the loan are up to10 years. •Maturities on equipment are up to 10 years, unless the useful life exceed 10 years. •Maturities on any real estate portions of the loan are up to 25 years. •Interest rates are between 2.25-2.75% above the prime rate. •Applicants must meet the same eligibility requirements as SBA’s standard 7(a) Loan Program. For more information, click here. To apply, contact an SBA-participating lender. Your lender can submit the SBA Form 4 (Application for Business Loan) to the SBA.

Grants and loans available to public agencies and private nonprofit organizations to prevent, prepare, and respond to COVID-19 impacts with emphasis on public health, housing, economic recovery, and the needs of low- and moderate-income persons. For more information, click here. To access the application, click here for page 1 and here for page 2. Questions: Call (808) 661-8379 Email ohcdcdbg@hawaiicounty.gov

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Farm Service Agency has a wide range of loan programs including: •Direct Operating Loans •Direct Farm Ownership Loans •Minority and Women Farmers and Rachers •Emergency Loans •Microloans Note: FSA has relaxed some of their application guidelines due to the coronavirus. See here for more information. For more information about each of these programs and to apply, click here.

The Office of Hawaiian Affairs offers $2,500-$100,000 loans with a 4% APR and up to a 7-year term. Loans can be used for working capital or to establish or build upon a small business. Applicants must be of Native Hawaiian ancestry, State of Hawaii residents, have a credit score of 600 or greater, and be US citizens. Businesses must have an income-to-debt ratio of 45% or less, and must be registered and in good standing with DCCA. For more information and to access required documents, click here.

Farmers with USDA farm loans who have been affected by COVID-19 can have their next payment set aside. The set-aside payment’s due date would be moved to the final maturity date of the loan or extended up to 12 months (for annual operating loans). To discuss/request a loan payment set-aside, call or email your local FSA county office. A directory can be found here. Note: •Principal set-asides will continue to accrue interest until repaid. •If you have suffered from a prior designated disaster and have already had a payment set aside, you may be eligible to have a second payment set aside. •FSA direct loan borrowers should receive a letter with all relevant details. •USDA has announced additional farm loan, commodity loan, and crop insurance flexibilities. To view these announcements, click here. •For a basic introduction into FSA loans, click here.

The Rural Economic Development Loan and Grant program provides funding for rural projects through local utility organizations. USDA provides zero-interest loans to local utilities which they, in turn, pass through to local businesses (ultimate recipients) for projects that will create and retain employment in rural areas. The ultimate recipients repay the lending utility directly. The utility then is responsible for repayment to USDA. USDA provides grants to local utility organizations which use the funding to establish Revolving Loan Funds (RLF). Loans are made from the revolving loan funds to projects that will create or retain rural jobs. When the revolving loan fund is terminated, the grant is repaid to USDA. Former Rural Utilities Service borrowers who borrowed, repaid or pre-paid an insured, direct or guaranteed loan, nonprofit utilities that are eligible to receive assistance from the Rural Development Electric or Telecommunication Programs, and current Rural Development Electric or Telecommunication Programs borrowers may apply. Applications are accepted year-round. For more information, click here. To apply, work with your USDA Rural Development Office. Brenda Iokepa-Moses State Director (808) 933-8305

The Hua Kanu Business Loan Program provides $200,000-$1,000,000 loans to Native Hawaiian-owned businesses. The loan has a 7-year term at 4% APR. The loan may be used for working capital or to purchase equipment or inventory. For more information, required documents, and a loan calculator, click here. To inquire about a Hua Kanu loan, please contact them at (808) 594-1924, NHRLF@ohaloanfund.org, or contact your OHA neighbor island office.

This community-sourced document lists food needs and resources throughout the state in an effort to connect those looking for food with those who are looking to sell. To view this resource, click here.

Financial counseling and loans up to $2,500 for individual workers and $5,000 for self-employed persons will be provided to asset limited, income constrained, employed residents who reside on Hawaii Island and have lost income due to COVID-19. For more information, click here. To apply, click here. To request a paper application or complete an application over the phone, call (808) 934-0801.

As of May 4, 2020, the USDA announced It will purchase $470 M in food during the third quarter of the 2020 fiscal year and distribute it to those in need through CSFP, TEFAP, and USDA Foods in Schools. AMS will begin issuing solicitations in June and intends to begin deliveries in July. AMS also purchases a variety of domestically produced and processed commodity food products through the AMS Commodity Procurement Program. To see specific purchase amounts for each program, click here. AMS will purchase a variety of fruits, vegetables, meat, dairy, and seafood products under this additional $470M. To see if the your products are included, click here. In order to participate in this program, you must be an approved USDA vendor. To learn more about becoming an approved vendor, click here. To see requirements for USDA product consideration, see here. For any questions, please contact your commodity procurement division (organized by product). To access this directory, click here.

Hawaii Seed Growers Network is looking for seed growers in Hawaii. If you are interested, contact nancyredfeather@hawaii.rr.com or contact them here.

The Kauai Senior Farmers’ Market Nutrition Program (SFMNP) provides low income seniors with eligible produce while supporting local farmers. Participants can fill out an application and receive a $5 voucher booklet for $50 of produce. The SFMNP accepts produce that is at least 55% locally grown. The SFMNP started on April 1 but farmers are able to apply past this date. To find out more about becoming a participating farmer, click here. For any questions, contact: Jared Kawatani Phone: (808) 954-7877

Malama Virtual Farmers Market provides free deliveries of local produce and products. Customers can shop 7 days a week, 24 hours a day and can purchase produce, baked goods, chocolate, meat and seafood. To learn more, click here. If you are interested in selling your local produce or locally-made items, contact: John Genovese Phone: (808) 639-1980 Email: info@malamaauctions.com

Nani Moon Mead is a honey wine company in Kauai looking for lemongrass, kefir lime, kumquat, buddhas hand, calamansi. If interested, please email: nanimoonmeadinfo@gmail.com

Giving Kauai Hope is offering to make custom shirts for small businesses to promote sell. Businesses will receive $10 for every t-shirt sold. To create a custom t-shirt, send them your logo and apply through this link. To see an example of a custom made t-shirt, click here.

Nourish Hanalei is looking to purchase apple bananas. We buy year round, and pay upon delivery in Princeville. Minimum purchase 50 lb. Looking forward to meeting you! If interested, email nourishhanalei@gmail.com Kauai Juice Co. is seeking red jalapeno peppers in bulk. If interested, please contact Kyle at kyle@kauaijuiceco.com or 979-578-1903. Email is preferred.

In May and June, 6,400 locally-produced Farm-to-School CSA boxes will be distributed by Malama Kauai through drive-thru programs at Kauai schools for families in need, thanks to funding from the USDA’s Farmers to Families Food Box Program. MK will be purchasing over $200,000 of mixed veggies and fruits, as well as 4 oz. cheese tubs from local producers. Extended deadline! Farmers may submit bids on an ongoing basis as long as opportunities remain available. Please call Robyn with questions at (808) 828-0685 x10 or grants@malamakauai.org.

Try Eat Hawaii provides an online marketplace for growers to display their products. Customers can access this platform and make transactions directly with farmers. To register as a grower, click here.

Hawaii Island’s Bridges Program uses public/private partnerships to strengthen local agriculture production by purchasing locally grown food and flowers and donating them to approved community organizations to distribute. Participants in this program do not have to be HFB members. To learn more, click here. If interested in participating, fill out this short form here.

Da Box is a community supported agriculture program that purchases local produce to sell to customers island-wide. To learn more, click here. Da Box is not currently accepting new customer sign-ups but interested customers may call (808) 933-6030 to be placed on a wait list.

The Farm Product Purchase Program purchases produce and meats from commercial farmers and livestock producers to distribute to families in need through The Food Basket and other channels. HFB membership is not required to participate. Value added products are not eligible for the Farm Product Purchase Program at this time. For more information, click here. If interested in applying, fill out the application here and email it to kaiwiki.1970@gmail.com. You should receive an email confirmation.

Local Inside provides weekly/bi-weekly deliveries of fruits and vegetables from Oahu farms, as well as honey, condiments, butters, and jellies. To learn more, see here.

Hawaii Farm Bureau offers a drive-thru farmer’s market every Wednesday, Thursday, and Saturday in order to provide fresh, locally-grown produce to customers while supporting hard-working farmers. Customers can order produce online and pick it up at Blaisdell or Windward Mall. For more information, click here. While some farmers’ markets are closed, there is still an opportunity for farmers and ranchers to sell directly to consumers. Contact (808) 848-2074 or apply here.

Farm Link is an online local food marketplace and delivery network based on O‘ahu. Customers can purchase products online and have them delivered to them. To learn more, click here. For further information, contact: info@farmlinkhawaii.com (808) 201-5252

HAF recently added farms and farm-related resources to its free marketing Food-A-Go-Go platform on May 7, 2020. With many farmers’markets initially closed there is no up-to-date information on where to buy local produce. Farmers, especially the smaller producers, are vulnerable with the loss of wholesale distribution to the hotels and closure of farmers’ markets. Many farmers have started their own CSA programs and are selling direct to the consumer. In addition, new CSAs are popping up and offering local produce boxes. With a lack of information on where to buy local produce, Food-A-Go-Go Farms helps consumers find local produce and producers. The platform includes local farmers, CSA providers, and local producers in two categories: Local Inside® for value-added products made with locally grown, caught or raised ingredients and Aloha Inside® for any food product made locally in Hawai‘i. To be included on this directory, fill out the form here.

The Community Food Projects Competitive Grants Programoffers a $35,000-$400,000 grant to fund: (1) community food projects to support the development of community-based food projects (2) planning projects in order to improve community food security Note: A 100% match is required. For more information, click here. To view specific eligibility requirements and apply, click here. Deadline June 3, 2020 For more questions, contact: Paul Cotton Email: paul.cotton@usda.gov Phone: (816) 926-1608 Division Director of the Division of Nutrition

The Star Advertiser has created a Hawaii business directory to keep the community informed about businesses' operating status during this pandemic. To see the current directory, click here. To be added to this directory, fill out the following form here.

This program aims to improve access to clean, reliable water and waste disposal systems for households and rural businesses. These loans can be used for projects relating to drinking water, sewers, waste disposal, storm water disposal, etc. Nonprofit organizations and state and local governmental entities can apply. To learn more, click here. To apply, ask your private lender if they participate in USDA loan guarantee programs or contact: Hawaii and Western Pacific State Office USDA Rural Development Phone: (808) 933-8380

HCRC Emergency Loan Program (HELP) provides short-term bridge loans and term loans between $15,000-$100,000 to non-profits and mission aligned small businesses that are otherwise unable to secure financing but have an immediate need for capital. Funds can be used for payroll, rent, mortgage interest, utilities and other operating expenses to allow the organizations to stay open. Note: Organizations have to have annual revenue of at least $100,000 Priority is given to organizations that have applied for PPP or EIDL but have been declined or are waiting for a response. Terms: •6-month bridge loan that converts to a 42-month term loan for a total of 48 months •3% fixed interest rate for the 6-month bridge loan period and 5% fixed interest rate for the 42-month loan period •For profit businesses have to have all individuals with a 20% ownership interest in the organization provide a personal guarantee. •Non-profits don’t have to provide a personal guarantee if their board of directors is comprised of a majority of independent voting directors. •Need 2 years of historical financial statements or tax returns and cash flow protection (can be simple or complex) For more information about eligibility and to apply, click here. For an overview of the program, click here. For further questions, Chelsea Schull LISC-HCRC Hawaii Program Officer help@hcrchawaii.com

The Agriculture Leadership Foundation of Hawaii is collecting information on farms that are offering products through online ordering, delivery service, and direct pick-up. This operating information will be shared with the public. To add your business and update your operating status, click here.

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply. This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323 Deadline: 9/30/2020

Farm Business Management and Benchmarking Competitive Grants Program offers $100,000-$500,000 grants to improve farm management knowledge and skills of agricultural producers through maintaining and expanding a national, publicly available farm financial management database to support improved farm management. Note: There are no. cost sharing/matching requirements. To learn more, click here. To apply, click here. Deadline: June 5, 2020 Questions: Brent Elrod National Program Leader Division of Family & Consumer Services Richard.elrod@usda.gov (816) 926-2535

Honolulu Small Business Relief Fund The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. UPDATE! AS OF JUNE 16: Small Farm Relief Fund This Relief Fund is part of the Small business Relief and Recovery Fund. They have removed some of the barriers farmers had with eligibility. If you did not qualify before you may qualify now! This fund is available to farms with $2 M or less in annual revenue and have 50 or fewer employees, and provides up to $10,000 in expense reimbursement to qualified businesses. Please provide: • A copy of TMK/lease of the land • Current land dedication for agricultural use (sent to plai@honolulu.gov or jokuhama@cbllending.com) Notes: • When the application asks you to provide a “detailed description of business products/services provided,” make sure to use one of the following key words: “agriculture, farming, vegetables, flowers, ornamentals, aquaponic, hydroponic, or livestock.” This way, credit unions will be able to expedite the review process. Please see here for more information and translated resources in Chinese, Japanese, and Filipino. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

Poise is awarding 20 $15,000 grants to women-owned businesses to bounce back from COVID-19. Preference is given to businesses that challenge societal norms/stigmas or have a strong connection to moms/motherhood, demonstrate a passion for female empowerment, have a demonstrated need due to COVID-19, and display energy, enthusiasm, creativity, and passion for the business. To apply, click here. For more information, click here. Deadline: June 30, 2020

The Agricultural Management Assistance Program provides cost share assistance to agricultural producers to address issues such as water management, water quality, and erosion control. For more details, click here. To apply, contact your local USDA service center. contact local USDA service center. Directories can be found here.

The Entrepreneurial Dream Project provides $100,000 grants and/or mentorship to new businesses. Note: •Companies with products made publicly available in 2019 or later or companies who have not yet launched are eligible to apply. Companies must be pre-revenue or have gross annualized revenue under $2.5M. •Companies and founders must have an active website and social media account. For more information, click here. To apply, click here. Deadline: June 15, 2020 For further questions, email: EDP@supermaker.com

The Coronavirus Food Assistance Program provides direct support based on actual losses for agricultural producers with impacted prices and market supply chains. These funds can be used to support adjustment, additional marketing costs, and short-term oversupply. Farms of all sizes and markets that suffered losses are eligible to apply. For more information, click here. USDA will announce more details soon on how to apply.

The CLIF Bar Family Foundation provides small grants to 501(c)3 organizations that support one or more of the following objectives: •Protect earth’s beauty and bounty •Create a robust, healthy food system •Increase opportunities for outdoor activity •Reduce environmental health hazards •Build stronger communities Applicants’ most recent 990 and P&L for the current year and last year are required for general support. A detailed budget including income and expense is also required for specific project requests. To find out if you are eligible, take this short eligibility quiz here. For more information, click here. To apply, click here. Deadline: October 1, 2020

Immigrants Rising’s Entrepreneurship Fund provides up to $2,000 grants to undocumented entrepreneurs working to create positive social change. Grantees will be offered support and guidance from professional advisors, join a national network of undocumented freelancers and entrepreneurs, and get social media exposure for their projects. Projects must create positive social change and must be designed and led by undocumented young people. Applications are accepted on a rolling basis and reviewed every month. For more information, click here. To apply, click here.

A total of $250,000 in grants will be awarded to eighteen entrepreneurs. Awards will be granted based on demonstrated need and proposed use of funds. For-profit businesses may apply. Preference is given to companies that have launched and need support to scale. If applicants make it to the semi-finalist round, they will have to create a pitch video. For more information, click here. To apply, click here. Deadline: July 16, 2020

Popup Makeke is an online marketplace where consumers can access local products, including value-added agricultural products. While they are not currently accepting applications for new vendors, if you sign up for their email list, you will be alerted of any new opportunities. To sign up for their email list, visit this page and scroll to the bottom to subscribe here.

The County of Hawaii is requesting grant proposals for the 2020-2021 fiscal year for projects that aim to support economic recovery and innovation from COVID-19 in the economic development, tourism, agriculture, creative economy, energy, and sustainable development sectors. Note: Proposals must be sealed and physically delivered. Please see here for the delivery locations. For more information and to see previous grant award lists and forms, click here. To view the RFP, click here. To access FAQs, click here. Deadline: June 22, 2020

GoFundMe will give $500 to businesses that raise at least $500 on their platform. This fund will continue until funds are depleted.The relief fund has been in operation since March so it is important to launch a crowdfunding campaign as soon as possible if you would like to participate. What is crowdfunding? Crowdfunding is a type of fundraising where organizations can ask the public for support. It begins with businesses sharing their stories and asking their audience to donate or invest in their business. Eligibility To be eligible for this opportunity, businesses have to: 1) be independently owned and operated 2) be negatively impacted by a government mandate due to COVID-19 3) not be nationally dominant in their field of operation 4) use these funds to care for their employees/workers or pay ongoing business expenses 5) have no fraud reports against them To access FAQs, click here. To participate in this opportunity, sign up for GoFundMe, start a fundraiser, add the hashtag #SmallBusinessRelief to your story, and fill out this short form. Once you raise $500, GoFundMe should automatically issue this additional $500 to the associated bank account.

The Rural Business Development Grant provides technical assistance and training for small rural businesses with fewer than 50 new workers and less than $1M in gross revenue. There is no maximum grant amount. There are two types of grants: enterprise grants and opportunity grants. To see examples of both enterprise and opportunity grants, click here. For more information, click here. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

Community nonprofit organizations can receive up to $500,000 grants towards disaster relief, recovery, mitigation, and remediation assistance for physical damages or losses from the Kilauea eruption. To access the application, click here. For more information, click here. Questions: Patti Pinto Recovery Assistant Phone: 961-8500 Email: patti.pinto@hawaiicounty.gov

Webmaster Services Hawaii is offering to add a free alert to your business website to keep customers informed about your operating status. Click here to visit their website. If interested, please contact: gwells@webmasterserviceshawaii.com

Online Business Development Services will develop a Shopify website for your organization within 1-2 days for $100 ($150 for a website and Facebook page) so customers can order online, pay in advance, and pick up directly. They can also create social media pages on Instagram or Google My Business. They are willing to accept products as payment if needed. Shopify is an e-commerce platform that costs $29/month. For more information, see here. If interested, contact: Regina L. Floyd Email: reginafloyd@gmail.com (with subject line "Farmers Market Website") Phone: (808) 742-8424

SBA documents have been translated in multiple languages. Please find them here.

Grants.gov is the portal through which organizations apply for federal funding opportunities. A majority of federal funding opportunities are posted on grants.gov; thus, it is imperative that grant seekers maintain an up-to-date understanding of this portal. Grants.gov’s community blog provides tips for writing grant proposals and common eligibility and policy definitions referenced in the grants.gov website. To access the grants.gov community blog, click here. Grants.gov also holds financial management training seminars, grant management boot camps, and other events. Though there are no upcoming events in Hawaii, many of the existing events have changed to virtual formats, so Hawaii agriculturalists may be able to access these events online. To see a list of upcoming events, click here.

Nonprofitready.org is a free online learning library with articles and lessons on a multitude of different topics ranging from grant seeking to digital marketing. This resource is open to anyone, not just nonprofits, and provides short training modules on how to find, write, and acquire grants. To sign up for a free account, click here.

Google offers up to $10,000 of in-kind advertising on Google Search every month for nonprofits to create text ads. 1) First, your organization must apply to Google for Nonprofits, a G Suite made specifically for nonprofits. To request a Google for Nonprofits account, click here. 2) You must also have a high-quality website that meets these guidelines. 3) Finally, you must fill out an eligibility form and submit your activation for review. For complete instructions on how to do this, click here. To learn more about Google Ad Grants, click here.

Pacific Media Group has created a $2M marketing fund for Hawaii businesses to help local businesses connect with consumers with goods and services during COVID-19. To apply, click here.

Pacific Community Ventures offers free and confidential mentoring services to small business owners by matching organizations with pro-bono business coaches and mentors. Companies that have worked with these mentors have increased their annual revenue by an average of 20%. To create your account and sign up, click here.

Alderspring Ranch in Idaho provides a free five-day mini course designed for farmers and ranchers with frozen products to teach them how to deliver directly and sell through online storefronts. To sign up, click here.

NRCS is able to partially cover the cost of disposing livestock due to the impacts of the coronavirus and other emergency animal mortality events. Swine, livestock, and poultry are all eligible. Note: •An application and approved early start waiver must be filed with NRCS before animal carcasses are disposed of. •Producers must also have FSA farm records. For more information and to view payment rates, click here. To apply, contact your local USDA service center. Contact information by county can be found here.

Hawaii Alliance of Nonprofit Organizations offers free technical assistance to the first 300 nonprofits requesting SBA loan assistance. To request assistance, contact one of the following seasoned consultants here.

The Paycheck Protection Program (PPP) helps businesses with fewer than 500 employees keep workers on payroll. Sole proprietorships, independent contractors, self-employed persons, and private non-profits may also apply. SBA will fully forgive loans IF all employees kept on payroll for 8 weeks and at least 60% of it is used on payroll. The rest can be used for rent, mortgage interest, and utilities. If the loan is not fully forgiven, loan payments will be deferred for 10 months. Loans will have a 2-year term with 1% interest. No collateral or personal guarantees are required, and there are no government or lenders’ fees. Loan Forgiveness Instructions and Application: As of 5/15, the loan forgiveness instructions were released with certain measures to reduce compliance burdens. These measures include: •Options for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with borrowers’ regular payroll cycles •Flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan •Step-by-step instructions on how to perform the calculations required by the CARES Act to confirm eligibility for loan forgiveness •Borrower-friendly implementation of statutory exemptions from loan forgiveness reduction based on rehiring by June 30 •Addition of a new exemption from the loan forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined To view the loan forgiveness instructions and application, click here. *Update: On June 4, the PPP Flexibility Act was signed into law. This act gives recipients of the PPP 24 weeks to use their funding from the date they received it. In addition, the loan payment deferral period was extended and only 60% of total funds have to be spent on payroll costs to be fully forgiven. To read more about the PPP Flexibility Act and the conditions for forgiveness, click here. Helpful Resources: •To calculate the amount of funding your business qualifies for under EIDL and PPP, click here •To calculate the maximum amount of loan forgiveness, access an interactive calculator here •For best practices to ensure qualification for full loan forgiveness, click here •For an overview of the PPP from the Hawaii Chamber of Commerce, click here •For definitions of payroll costs and other technical language, click here •For answers to common FAQs, click here, here, orhere •To learn how PPP affects taxes and access other Hawaii State tax information, click here Updates: •As of 5/5, PPP approvals for new funding requests looked very promising! •7,717 Hawaii PPP loans already approved from Round 2. •and $175B of $310B of available funds were used up in the first week of Round 2. •The average Hawaii loan size for Round 2 is $54,000. •CPB and ASB are still accepting new PPP applications for existing and non-bank clients. Notes: •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. •Applicants must certify in good faith that the current economic uncertainty makes their PPP loan request necessary to support their ongoing operations in the PPP application form, and should be prepared to demonstrate to the SBA the basis of its certification upon request. •Forgiven PPP debt is excluded from gross income and therefore not subject to federal income tax. Q: If I laid off an employee, offered to rehire them, but they declined the offer, will I still be able to gain loan forgiveness under the PPP? A: Yes, but you must have a good faith, written offer of rehire, and documented employee rejection of the offer; also note that employees who reject these offers may forfeit eligibility for continued unemployment compensation. To listen to an audio recording about EIDL and PPP specifically for agricultural businesses, click here. How to apply: Businesses can apply for the PPP through any existing SBA 7(a) lender OR any federally insured depository institution or credit union OR farm credit system. Call your local bank and ask if they are participating! To see a list of participating lenders, click here. Deadline: June 30, 2020

HDOA proovides emergency loans for farmers of up to $150,000 at 3% interest. Loans up to $100,000 will not require credit denials from other financial institutions. HDOA has waived their three-year residency requirements. For more information, click here. To apply, contact the nearest HDOA office. Oahu, Kauai, Maui: (808) 973-9460 Hilo: (808) 933-9975
 Kona: (808) 323-7591

Hawaii Community Foundation is offering grants for projects that address one or more phases of their four-phased approach to community resilience. The four phases are: (1) Risk reduction (2) Rapid relief and response (3) Recovery and stabilization (4) Rebuilding resilience To learn more, click here. To quickly distribute resources, Hawaii Community Foundation has foregone a formal application process. If interested, please email them of your needs at grants@hcf-hawaii.org.

HFUU is looking for farmers that want to sell to food hubs and increase production. They are also looking for businesses with commercial refrigeration space, and restaurants/food entrepeneurs who want to utilize a ghost kitchen model to prepare family-style meals for pickup or for door-to-door delivery. HFUU recently assembled a task force to support agricultural communities by aggregating and sorting food into CSA boxes in food hubs and commercial kitchens. They also hope to partner with chefs, caterers, and other prepared foods businesses. For more information, see here. To get involved, email: food@hfuuhi.org

The Economic Injury Disaster Loan (EIDL) and EIDL Emergency Advance provides working capital loans of up to $2M for small businesses to overcome temporary loss of revenue due to COVID-19. As of April 13, EIDL now includes farm and ranch businesses with fewer than 500 employees, aquaculture, nurseries, and agricultural cooperatives. Businesses can also apply for a loan advance of up to $10,000, which will become available within 3 days of successful application and will not have to be repaid. If agricultural businesses applied to EIDL before EIDL was opened to agricultural businesses, applications will be processed without businesses having to reapply. Terms: •3.75% interest for small businesses without available credit elsewhere •2.75% interest for nonprofits •Up to a 30-year amortized loan with one year of deferred payments. Note: •SBA determines loan amount based on the working capital needs of the business. Interest rates on the loans are 3.75% for businesses and 2.75% for nonprofits. •If the loans are over $25,000, SBA will take a general security interest in the business assets; they will take a UCC filing. •The EIDL advance does not require any type of reporting; however, it is subject to federal and state income tax. The EIDL loans are not subject to federal and state income tax. Any advance that receive from EIDL could be subtracted from the PPP forgiveness. •Applicants have to be officially registered businesses in existence for over a year. Owners have to have invested equity, demonstrate an ability to repay, and have exhausted other assets/insurance that can be liquidated. •Both US citizens and residents can apply. •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. EIDL is designed to be used for working capital. This includes paying fixed debts, payroll, accounts payable, and other accounts businesses would have paid should this disaster not have occurred. The loans are not intended to replace lost sales/profits, but designed to help maintain viability and operations. •There are no costs to apply and there is no obligation to take the loan if it is offered to you. Things the application will ask: •Business name •Trade name •EIN number or SSN for sole proprietorships •Organization type •Business activity •Bank account information where funds can be deposited (account number, bank routing number) •For the 12 month period prior to January 30, 2020, business gross revenues of business, COGS, costs of operation/operating expenses •Compensation from any other source that could potentially duplicate funding purposes •Tip: Make sure to check EIDL loan advance box. To apply, click here. Helpful Resources: •For a webinar from the SBDC on how to fill out the application, click here •For a list of documents needed to apply, click here •For more information about EIDL and PPP, click here •For step-by-step instructions on how to fill out the application, click here •To compare the EIDL, PPP, and other federal programs, click here orhere •To compare the compare the EIDL and the SBA 7(a) loan, click hereUpdates: EIDL reopened for agricultural businesses on May 4. Notes: •The application may take up to 2 hours. •To check the status of a disaster loan application/advance, call SBA’s customer service center at (800) 659-2955 or email disastercustomerservice@sba.gov. Deadline: TBD

The Healy Foundation offers grant up to $50,000 for nonprofits in Hawaii for projects that address protection of ecosystems, climate change mitigation, reduction of childhood poverty, or youth advocacy and education. Note: The board meets four times a year to award grants. For more information, click here. To apply, submit a Letter of Inquiry on their grant portal here. For further questions, email sgeary@thehealyfoundation.org

Foodland hopes to support local farmers by purchasing the supply of food produced until the demand resumes and/or by facilitating food distribution. The goal is to minimize the need to import food. To add any products you may have available, please complete this short form here or contact Foodland at (808) 732-0791. Please note that completing this form does not guarantee market access.

SBA Express Bridge Loans are for small businesses who already have a relationship with an SBA Express Lender to meet urgent cash needs while waiting for EIDL disbursement. Businesses can access up to $25,000 with less paperwork and a loan term of up to 7 years. Businesses must have: •Less than 500 employees •Been in operation as of 3/13/2020 •Adverseley iimpacted by coronavirus •Have a pre-existing relationship with a lender that offers EIDL loans as of 3/13/2020 For more information, click here, here, or here.

Hawaii Food Producers Fund offers 0% interest loans up to $10,000 to Hawaii food producers (Hawaii-based farmers and food processors with at least one Hawaii-grown ingredient) through Kiva. Money may be used for any business purpose. Terms: Applicants can receive 50% of the loan from the Hawaii Food Producers Fund. Loans may be repaid in three years in weekly/monthly PayPal installments with grace periods of up to 6 months for farmers. No collateral is required. Note: Applicants must invite an initial pool of lenders from their own network that must lend as little as $25 each. The application requires a photo, personal story, and business description. Kiva has a 100% funding success rate for Hawaii entrepreneurs. To see successfully funded recipients of the Hawaii Food Producers Fund, click here.To start your application, click here. For questions, contact: Eric Bowman Email: ebowman@kohalacenter.org Phone: (808) 887-6411

If you have an oversupply of product, HDOA is able to purchase bulk amounts of product for a conservative price. For inquiries, please email: Nicole Pfeffer Email: nicole.y.pfeffer@hawaii.gov Phone: (808) 973-9573 HDOA Economic Development Specialist Include available pounds, frequency of availability, quality (off-grade, for instance), and selling price per pound/unit.

FEMA Public Assistance Programs reimburse eligible applicants for costs associated with emergency protective measures in response to the COVID-19 pandemic. Note: FEMA assistance will be provided at 75% federal cost share. To learn more about the specific projects asnd activities funded under FEMA, click here. To apply, fill out the application here. Deadline: Program will remain open for the duration of the Public Health Emergency as declared by the Secretary of Health and Human Services.

COVID-19 has caused coffee sales to slow or halt for many businesses. SHAC has been in conversation with USDA to facilitate purchases of Hawaiian-grown products for government use. If you have roasted coffee that you would like to make eligible for USDA purchase, please contact: suzanne@shachawaii.org Include the total quantity you would like to make available, and the requested price. Also include the format (bag, pods, commercial packs). All information will be kept confidential.

SBA offers numerous other loans. See below for summaries of each: •7(a) Program -up to $5M through lending partners for small businesses -money for working capital, expansion/renovation, new construction, etc. •Express Loan program -up to $350,000 for up to 7 years with an option to resolve -36 hour approval/denial turnaround time •Community Advantage Loan Pilot Program -mission-based lenders can assist small businesses in underserved markets through loans up to $250,000 •504 Loan Program -for economic development and job creation/retention -can only use funds for acquiring or refinancing fixed assets •Microloans -up to $50,000 (average size is $14,000) loans through nonprofit lending organizations to underserved markets -money can be used for working capital, supplies, machinery and equipment, fixtures For more information on each of these programs, click here. For an overview of SBA financing options, see page 32 of this document.

Small businesses can receive loans up to $25,000 from both the HDOA and the HDBEDT. For more information, click here or here. To learn more about CBEDT, click here. For any questions, please contact: Wayne Thom Email: wayne.k.thom@Hawaiʻi.gov CBEDT Program Hawaiʻi Department of Business Economic Development and Tourism

The Federal Reserve Main Street Lending Program is offered by the Federal Reserve to help banks give money more freely to businesses in need maintain payroll and retain workers through this pandemi cby purchasing a large portion of loans from banks. This program is available to any business that have less than 15,000 employees and/or annual revenues under $5 billion. For additional eligibility requirements and more information, see here. To apply, contact your local lender.

The Opportunity Fund is a US-based nonprofit organization that provides financing and microloans from $2,600 to $250,000 to underserved small-business owners. For more information, click here. To inquire about financing options, call 1-888-720-3215, Monday through Friday, 8 am – 6 pm PT.

This grants program is in its first year of existence and is comprised of two projects: Planning Projects Applicants can receive up to $200,000 per single program year or up to $500,000 over three years for planning projects. Planning projects initiate or expand efforts of urban agriculture, including agriculture assessments, the development of business plans and feasibility studies, support for municipal planning, and program development and implementation of agriculture and innovative production in schools. Implementation Projects Applicants can receive up to $100,000 per single program year or up to $300,000 over three years for implementation projects. Implementation projects can increase food production in small urban and indoor spaces, operate community gardens, provide hands-on training in farming, meet specific food and agricultural needs, and provide schools with resources to grow and consume nutritious food and pursue careers in agriculture. Projects should target one or more urban areas, suburbs, or urban clusters where access to fresh foods is limited or unavailable. Projects should include one or more partner organizations to achieve project goals within the target areas. Nonprofits, local governments, and schools that serve any of the grades K-12 are eligible to apply. To view the slides from an informative webinar, click here. To view the full program announcement, click here. For more information and to apply, click here. Deadline: July 6, 2020

Kahiau Rural Business Development Microloan Program offers technical assistance and $2,000-$15,000 in low interest loans for businesses to help them develop and build a network. Businesses must: (1) Be new/existing on Hawaii Island or Molokai (2) Have a Native Hawaiian or kama`āina (born and raise in Hawaii) owner/operator (3) Reflect at least one of three values: -Strengthening Hawaiian culture -Building community -Ennhancing the health of the natural environment Terms: Loans are provided at a 2% interest rate. Funds should be used to contribute to business viability/growth. Notes: Pre-loan technical assistance is available to help with the loan application process, financial record keeping, credit issues, and business planning. Ongoing monthly technical assistance is also available to help with tasks such as quarterly financial statements. For more information, click here. How to Apply: Access the intake form here, and email the completed form to info@kohalacenter.org. Deadline: until funds are depleted For questions, contact: info@kohalacenter.org or call at (808) 887-6411

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323

The Community Facilities Direct Loan and Grant Program aims to develop essential community facilities in rural areas. Community-based non-profit corporations and public bodies may apply. Examples of agricultural-related projects are community gardens, food pantries, community kitchens, food banks, food hubs, and greenhouses. Note: Rural areas must have less than 20,000 residents. Eligible bodies can an apply for low interest direct loans, grants, or a combination of both. For specific information and funding priorities, click here. If interested, contact: Brenda Iokepa-Moses Hawaii State Director USDA Rural Development Phone: (808) 933-8305

This program provides up to $250,000 grants for non-profits to increase the number of military veterans gaining knowledge and skills through comprehensive, hands-on and immersive model farm and ranch programs offered regionally that lead to successful careers in the food and agricultural sector. To learn more and apply, click here. For more information, contact: Brent Elrod richard.elrod@usda.gov (816) 926-2535 National Program Leader Division of Family & Consumer Services USDA National Institute of Food and Agriculture Deadline: 6/26/2020

The Foreign Market Development Cooperator Program provides funding for projects up to 3 years long that contribute to the effective creation, expansion, or maintenance of foreign markets. Applicants need to have a clear, long–term agricultural trade strategy, have the broadest producer representation and affiliated industry participation of the commodity being promoted, and include an effective program time line against which results can be measured at specific intervals using quantifiable product or country goals. Applicants must be nonprofit U.S. agricultural trade organizations that promote the exports of one or more U.S. agricultural commodities and must not have a business interest in or receive compensation from specific sales of agricultural commodities. For more information and to apply, click here. Deadline: 6/26/2020

The Momentum Fund provides up to $100,000 grants to 501(c)(3) organizations that are managing active COVID-19 funds so these organizations can grow, promote, manage, and sustain their funds. Grants will be given to organizations that serve communities and populations whose health and/or financial situations have been most severely impacted by COVID-19. Note: Applicants must have an active COVID-19 fund of at least $50,000, either pledged, committed, and/or spent that provides funds to other 501(c)(3) organizations. For questions, email: information@momentumfund.org For more information and FAQs, click here. To apply, click here. Deadline: June 18, 2020

The SBA offers export assistance for small businesses that export overseas either directly or indirectly by selling to an intermediary. See below for summaries of their export assistance programs: •Export express loan program Provides up to $500,000 for quick access to capital. Businesses can apply for line of credit/term note before finalizing export sales. •Export working capital program Provides revolving lines of credit or transaction-based financing of up to $5M so businesses can offer attractive payment terms to customers, fulfill export orders, and finance international sales. •International trade loan program To help small businesses engage in International trade, expand trade locations, or re-shore operations back to the US. For more information about each of these programs, click here.

Mosaic offers rapid response grants up to $10,000 to nonprofit grassroots organizations whose aim is to protect the environment or pursue environmental justice. Funds can be used for tools and technology, training, and related resources. Note: Applicants must have an annual budget below $500,000 and be accountable to local constituents. For more information, click here. To complete a brief application, click here. For any questions, email: info@mosaicmomentum.org Deadline: The third round deadline is July 2.

Hawaii Community Foundation hopes to support projects that improve agricultural water use efficiency and provide measurable benefits to the state. Grants up to $50,000 are available for one-year projects, and grants up to $100,000 are available for two-year projects. There are two types of projects they will fund: 1) Water efficiency projects, for the installation of equipment to improve irrigation efficiency/potable water conservation. 2) Water management projects, for the development of a water conservation program/plan or water conservation education program for farmers or agricultural water managers. Nonprofits, state and county governments, public and private agricultural parks, and colleges and universities in Hawaii are eligible to apply. To learn more about the project criteria, preferences, and application instructions, click here. For more information about the Fresh Water Initiative, click here. For questions about this program, contact: Dana Okano Email: dokano@hcf-hawaii.org Phone: (808) 566-5541 Deadline: June 30, 2020

The B&I Loan Guarantee Program provides working capital to prevent, prepare, or respond to the effects the coronavirus. They may be used to support rural businesses, including agricultural producers, that were in operation on 2/15/2020. B&I loan guarantees aim to help businesses and employment in rural areas by strengthening the private credit market through federal guarantees on business loans, helping businesses receive loans that they might not be able to qualify for through USDA FSA loans or otherwise. Projects that receive loan guarantees must provide employment and improve the economic or environmental climate. Terms: •The maximum B&I loan guarantee is 90% for all CARES Act funded loans. •The guarantee fee is 2%. •Appraisals must be completed within two years of the date of application. •Discounting of collateral for working capital loans is not required. •The maximum term for these working capital loans are 10 years. •The loans must be used for working capital. •Federal or state-chartered banks, savings and loans, farm credit banks, and credit unions may apply. For more information, click here. To access a webinar with an overview of program requirements on June 3 at 8:00am Hawaii Time, click here. To apply, work with your commercial lenders to develop a loan package that can be submitted to your local USDA Rural Development state office. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

SBA offers up to $5M loans to help small businesses enter and expand into international markets and make investments to compete with import competition. Terms: •Maturities on the working capital portion of the loan are up to10 years. •Maturities on equipment are up to 10 years, unless the useful life exceed 10 years. •Maturities on any real estate portions of the loan are up to 25 years. •Interest rates are between 2.25-2.75% above the prime rate. •Applicants must meet the same eligibility requirements as SBA’s standard 7(a) Loan Program. For more information, click here. To apply, contact an SBA-participating lender. Your lender can submit the SBA Form 4 (Application for Business Loan) to the SBA.

Grants and loans available to public agencies and private nonprofit organizations to prevent, prepare, and respond to COVID-19 impacts with emphasis on public health, housing, economic recovery, and the needs of low- and moderate-income persons. For more information, click here. To access the application, click here for page 1 and here for page 2. Questions: Call (808) 661-8379 Email ohcdcdbg@hawaiicounty.gov

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Farm Service Agency has a wide range of loan programs including: •Direct Operating Loans •Direct Farm Ownership Loans •Minority and Women Farmers and Rachers •Emergency Loans •Microloans Note: FSA has relaxed some of their application guidelines due to the coronavirus. See here for more information. For more information about each of these programs and to apply, click here.

The Office of Hawaiian Affairs offers $2,500-$100,000 loans with a 4% APR and up to a 7-year term. Loans can be used for working capital or to establish or build upon a small business. Applicants must be of Native Hawaiian ancestry, State of Hawaii residents, have a credit score of 600 or greater, and be US citizens. Businesses must have an income-to-debt ratio of 45% or less, and must be registered and in good standing with DCCA. For more information and to access required documents, click here.

Farmers with USDA farm loans who have been affected by COVID-19 can have their next payment set aside. The set-aside payment’s due date would be moved to the final maturity date of the loan or extended up to 12 months (for annual operating loans). To discuss/request a loan payment set-aside, call or email your local FSA county office. A directory can be found here. Note: •Principal set-asides will continue to accrue interest until repaid. •If you have suffered from a prior designated disaster and have already had a payment set aside, you may be eligible to have a second payment set aside. •FSA direct loan borrowers should receive a letter with all relevant details. •USDA has announced additional farm loan, commodity loan, and crop insurance flexibilities. To view these announcements, click here. •For a basic introduction into FSA loans, click here.

The Rural Economic Development Loan and Grant program provides funding for rural projects through local utility organizations. USDA provides zero-interest loans to local utilities which they, in turn, pass through to local businesses (ultimate recipients) for projects that will create and retain employment in rural areas. The ultimate recipients repay the lending utility directly. The utility then is responsible for repayment to USDA. USDA provides grants to local utility organizations which use the funding to establish Revolving Loan Funds (RLF). Loans are made from the revolving loan funds to projects that will create or retain rural jobs. When the revolving loan fund is terminated, the grant is repaid to USDA. Former Rural Utilities Service borrowers who borrowed, repaid or pre-paid an insured, direct or guaranteed loan, nonprofit utilities that are eligible to receive assistance from the Rural Development Electric or Telecommunication Programs, and current Rural Development Electric or Telecommunication Programs borrowers may apply. Applications are accepted year-round. For more information, click here. To apply, work with your USDA Rural Development Office. Brenda Iokepa-Moses State Director (808) 933-8305

The Hua Kanu Business Loan Program provides $200,000-$1,000,000 loans to Native Hawaiian-owned businesses. The loan has a 7-year term at 4% APR. The loan may be used for working capital or to purchase equipment or inventory. For more information, required documents, and a loan calculator, click here. To inquire about a Hua Kanu loan, please contact them at (808) 594-1924, NHRLF@ohaloanfund.org, or contact your OHA neighbor island office.

This community-sourced document lists food needs and resources throughout the state in an effort to connect those looking for food with those who are looking to sell. To view this resource, click here.

Financial counseling and loans up to $2,500 for individual workers and $5,000 for self-employed persons will be provided to asset limited, income constrained, employed residents who reside on Hawaii Island and have lost income due to COVID-19. For more information, click here. To apply, click here. To request a paper application or complete an application over the phone, call (808) 934-0801.

As of May 4, 2020, the USDA announced It will purchase $470 M in food during the third quarter of the 2020 fiscal year and distribute it to those in need through CSFP, TEFAP, and USDA Foods in Schools. AMS will begin issuing solicitations in June and intends to begin deliveries in July. AMS also purchases a variety of domestically produced and processed commodity food products through the AMS Commodity Procurement Program. To see specific purchase amounts for each program, click here. AMS will purchase a variety of fruits, vegetables, meat, dairy, and seafood products under this additional $470M. To see if the your products are included, click here. In order to participate in this program, you must be an approved USDA vendor. To learn more about becoming an approved vendor, click here. To see requirements for USDA product consideration, see here. For any questions, please contact your commodity procurement division (organized by product). To access this directory, click here.

Hawaii Seed Growers Network is looking for seed growers in Hawaii. If you are interested, contact nancyredfeather@hawaii.rr.com or contact them here.

The Kauai Senior Farmers’ Market Nutrition Program (SFMNP) provides low income seniors with eligible produce while supporting local farmers. Participants can fill out an application and receive a $5 voucher booklet for $50 of produce. The SFMNP accepts produce that is at least 55% locally grown. The SFMNP started on April 1 but farmers are able to apply past this date. To find out more about becoming a participating farmer, click here. For any questions, contact: Jared Kawatani Phone: (808) 954-7877

Malama Virtual Farmers Market provides free deliveries of local produce and products. Customers can shop 7 days a week, 24 hours a day and can purchase produce, baked goods, chocolate, meat and seafood. To learn more, click here. If you are interested in selling your local produce or locally-made items, contact: John Genovese Phone: (808) 639-1980 Email: info@malamaauctions.com

Nani Moon Mead is a honey wine company in Kauai looking for lemongrass, kefir lime, kumquat, buddhas hand, calamansi. If interested, please email: nanimoonmeadinfo@gmail.com

Giving Kauai Hope is offering to make custom shirts for small businesses to promote sell. Businesses will receive $10 for every t-shirt sold. To create a custom t-shirt, send them your logo and apply through this link. To see an example of a custom made t-shirt, click here.

Nourish Hanalei is looking to purchase apple bananas. We buy year round, and pay upon delivery in Princeville. Minimum purchase 50 lb. Looking forward to meeting you! If interested, email nourishhanalei@gmail.com Kauai Juice Co. is seeking red jalapeno peppers in bulk. If interested, please contact Kyle at kyle@kauaijuiceco.com or 979-578-1903. Email is preferred.

In May and June, 6,400 locally-produced Farm-to-School CSA boxes will be distributed by Malama Kauai through drive-thru programs at Kauai schools for families in need, thanks to funding from the USDA’s Farmers to Families Food Box Program. MK will be purchasing over $200,000 of mixed veggies and fruits, as well as 4 oz. cheese tubs from local producers. Extended deadline! Farmers may submit bids on an ongoing basis as long as opportunities remain available. Please call Robyn with questions at (808) 828-0685 x10 or grants@malamakauai.org.

Try Eat Hawaii provides an online marketplace for growers to display their products. Customers can access this platform and make transactions directly with farmers. To register as a grower, click here.

Hawaii Island’s Bridges Program uses public/private partnerships to strengthen local agriculture production by purchasing locally grown food and flowers and donating them to approved community organizations to distribute. Participants in this program do not have to be HFB members. To learn more, click here. If interested in participating, fill out this short form here.

Da Box is a community supported agriculture program that purchases local produce to sell to customers island-wide. To learn more, click here. Da Box is not currently accepting new customer sign-ups but interested customers may call (808) 933-6030 to be placed on a wait list.

The Farm Product Purchase Program purchases produce and meats from commercial farmers and livestock producers to distribute to families in need through The Food Basket and other channels. HFB membership is not required to participate. Value added products are not eligible for the Farm Product Purchase Program at this time. For more information, click here. If interested in applying, fill out the application here and email it to kaiwiki.1970@gmail.com. You should receive an email confirmation.

Local Inside provides weekly/bi-weekly deliveries of fruits and vegetables from Oahu farms, as well as honey, condiments, butters, and jellies. To learn more, see here.

Hawaii Farm Bureau offers a drive-thru farmer’s market every Wednesday, Thursday, and Saturday in order to provide fresh, locally-grown produce to customers while supporting hard-working farmers. Customers can order produce online and pick it up at Blaisdell or Windward Mall. For more information, click here. While some farmers’ markets are closed, there is still an opportunity for farmers and ranchers to sell directly to consumers. Contact (808) 848-2074 or apply here.

Farm Link is an online local food marketplace and delivery network based on O‘ahu. Customers can purchase products online and have them delivered to them. To learn more, click here. For further information, contact: info@farmlinkhawaii.com (808) 201-5252

HAF recently added farms and farm-related resources to its free marketing Food-A-Go-Go platform on May 7, 2020. With many farmers’markets initially closed there is no up-to-date information on where to buy local produce. Farmers, especially the smaller producers, are vulnerable with the loss of wholesale distribution to the hotels and closure of farmers’ markets. Many farmers have started their own CSA programs and are selling direct to the consumer. In addition, new CSAs are popping up and offering local produce boxes. With a lack of information on where to buy local produce, Food-A-Go-Go Farms helps consumers find local produce and producers. The platform includes local farmers, CSA providers, and local producers in two categories: Local Inside® for value-added products made with locally grown, caught or raised ingredients and Aloha Inside® for any food product made locally in Hawai‘i. To be included on this directory, fill out the form here.

The Community Food Projects Competitive Grants Programoffers a $35,000-$400,000 grant to fund: (1) community food projects to support the development of community-based food projects (2) planning projects in order to improve community food security Note: A 100% match is required. For more information, click here. To view specific eligibility requirements and apply, click here. Deadline June 3, 2020 For more questions, contact: Paul Cotton Email: paul.cotton@usda.gov Phone: (816) 926-1608 Division Director of the Division of Nutrition

The Star Advertiser has created a Hawaii business directory to keep the community informed about businesses' operating status during this pandemic. To see the current directory, click here. To be added to this directory, fill out the following form here.

This program aims to improve access to clean, reliable water and waste disposal systems for households and rural businesses. These loans can be used for projects relating to drinking water, sewers, waste disposal, storm water disposal, etc. Nonprofit organizations and state and local governmental entities can apply. To learn more, click here. To apply, ask your private lender if they participate in USDA loan guarantee programs or contact: Hawaii and Western Pacific State Office USDA Rural Development Phone: (808) 933-8380

HCRC Emergency Loan Program (HELP) provides short-term bridge loans and term loans between $15,000-$100,000 to non-profits and mission aligned small businesses that are otherwise unable to secure financing but have an immediate need for capital. Funds can be used for payroll, rent, mortgage interest, utilities and other operating expenses to allow the organizations to stay open. Note: Organizations have to have annual revenue of at least $100,000 Priority is given to organizations that have applied for PPP or EIDL but have been declined or are waiting for a response. Terms: •6-month bridge loan that converts to a 42-month term loan for a total of 48 months •3% fixed interest rate for the 6-month bridge loan period and 5% fixed interest rate for the 42-month loan period •For profit businesses have to have all individuals with a 20% ownership interest in the organization provide a personal guarantee. •Non-profits don’t have to provide a personal guarantee if their board of directors is comprised of a majority of independent voting directors. •Need 2 years of historical financial statements or tax returns and cash flow protection (can be simple or complex) For more information about eligibility and to apply, click here. For an overview of the program, click here. For further questions, Chelsea Schull LISC-HCRC Hawaii Program Officer help@hcrchawaii.com

The Agriculture Leadership Foundation of Hawaii is collecting information on farms that are offering products through online ordering, delivery service, and direct pick-up. This operating information will be shared with the public. To add your business and update your operating status, click here.

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply. This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323 Deadline: 9/30/2020

Farm Business Management and Benchmarking Competitive Grants Program offers $100,000-$500,000 grants to improve farm management knowledge and skills of agricultural producers through maintaining and expanding a national, publicly available farm financial management database to support improved farm management. Note: There are no. cost sharing/matching requirements. To learn more, click here. To apply, click here. Deadline: June 5, 2020 Questions: Brent Elrod National Program Leader Division of Family & Consumer Services Richard.elrod@usda.gov (816) 926-2535

Honolulu Small Business Relief Fund The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. UPDATE! AS OF JUNE 16: Small Farm Relief Fund This Relief Fund is part of the Small business Relief and Recovery Fund. They have removed some of the barriers farmers had with eligibility. If you did not qualify before you may qualify now! This fund is available to farms with $2 M or less in annual revenue and have 50 or fewer employees, and provides up to $10,000 in expense reimbursement to qualified businesses. Please provide: • A copy of TMK/lease of the land • Current land dedication for agricultural use (sent to plai@honolulu.gov or jokuhama@cbllending.com) Notes: • When the application asks you to provide a “detailed description of business products/services provided,” make sure to use one of the following key words: “agriculture, farming, vegetables, flowers, ornamentals, aquaponic, hydroponic, or livestock.” This way, credit unions will be able to expedite the review process. Please see here for more information and translated resources in Chinese, Japanese, and Filipino. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

Poise is awarding 20 $15,000 grants to women-owned businesses to bounce back from COVID-19. Preference is given to businesses that challenge societal norms/stigmas or have a strong connection to moms/motherhood, demonstrate a passion for female empowerment, have a demonstrated need due to COVID-19, and display energy, enthusiasm, creativity, and passion for the business. To apply, click here. For more information, click here. Deadline: June 30, 2020

The Agricultural Management Assistance Program provides cost share assistance to agricultural producers to address issues such as water management, water quality, and erosion control. For more details, click here. To apply, contact your local USDA service center. contact local USDA service center. Directories can be found here.

The Entrepreneurial Dream Project provides $100,000 grants and/or mentorship to new businesses. Note: •Companies with products made publicly available in 2019 or later or companies who have not yet launched are eligible to apply. Companies must be pre-revenue or have gross annualized revenue under $2.5M. •Companies and founders must have an active website and social media account. For more information, click here. To apply, click here. Deadline: June 15, 2020 For further questions, email: EDP@supermaker.com

The Coronavirus Food Assistance Program provides direct support based on actual losses for agricultural producers with impacted prices and market supply chains. These funds can be used to support adjustment, additional marketing costs, and short-term oversupply. Farms of all sizes and markets that suffered losses are eligible to apply. For more information, click here. USDA will announce more details soon on how to apply.

The CLIF Bar Family Foundation provides small grants to 501(c)3 organizations that support one or more of the following objectives: •Protect earth’s beauty and bounty •Create a robust, healthy food system •Increase opportunities for outdoor activity •Reduce environmental health hazards •Build stronger communities Applicants’ most recent 990 and P&L for the current year and last year are required for general support. A detailed budget including income and expense is also required for specific project requests. To find out if you are eligible, take this short eligibility quiz here. For more information, click here. To apply, click here. Deadline: October 1, 2020

Immigrants Rising’s Entrepreneurship Fund provides up to $2,000 grants to undocumented entrepreneurs working to create positive social change. Grantees will be offered support and guidance from professional advisors, join a national network of undocumented freelancers and entrepreneurs, and get social media exposure for their projects. Projects must create positive social change and must be designed and led by undocumented young people. Applications are accepted on a rolling basis and reviewed every month. For more information, click here. To apply, click here.

A total of $250,000 in grants will be awarded to eighteen entrepreneurs. Awards will be granted based on demonstrated need and proposed use of funds. For-profit businesses may apply. Preference is given to companies that have launched and need support to scale. If applicants make it to the semi-finalist round, they will have to create a pitch video. For more information, click here. To apply, click here. Deadline: July 16, 2020

Popup Makeke is an online marketplace where consumers can access local products, including value-added agricultural products. While they are not currently accepting applications for new vendors, if you sign up for their email list, you will be alerted of any new opportunities. To sign up for their email list, visit this page and scroll to the bottom to subscribe here.

The County of Hawaii is requesting grant proposals for the 2020-2021 fiscal year for projects that aim to support economic recovery and innovation from COVID-19 in the economic development, tourism, agriculture, creative economy, energy, and sustainable development sectors. Note: Proposals must be sealed and physically delivered. Please see here for the delivery locations. For more information and to see previous grant award lists and forms, click here. To view the RFP, click here. To access FAQs, click here. Deadline: June 22, 2020

GoFundMe will give $500 to businesses that raise at least $500 on their platform. This fund will continue until funds are depleted.The relief fund has been in operation since March so it is important to launch a crowdfunding campaign as soon as possible if you would like to participate. What is crowdfunding? Crowdfunding is a type of fundraising where organizations can ask the public for support. It begins with businesses sharing their stories and asking their audience to donate or invest in their business. Eligibility To be eligible for this opportunity, businesses have to: 1) be independently owned and operated 2) be negatively impacted by a government mandate due to COVID-19 3) not be nationally dominant in their field of operation 4) use these funds to care for their employees/workers or pay ongoing business expenses 5) have no fraud reports against them To access FAQs, click here. To participate in this opportunity, sign up for GoFundMe, start a fundraiser, add the hashtag #SmallBusinessRelief to your story, and fill out this short form. Once you raise $500, GoFundMe should automatically issue this additional $500 to the associated bank account.

The Rural Business Development Grant provides technical assistance and training for small rural businesses with fewer than 50 new workers and less than $1M in gross revenue. There is no maximum grant amount. There are two types of grants: enterprise grants and opportunity grants. To see examples of both enterprise and opportunity grants, click here. For more information, click here. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

Community nonprofit organizations can receive up to $500,000 grants towards disaster relief, recovery, mitigation, and remediation assistance for physical damages or losses from the Kilauea eruption. To access the application, click here. For more information, click here. Questions: Patti Pinto Recovery Assistant Phone: 961-8500 Email: patti.pinto@hawaiicounty.gov

Webmaster Services Hawaii is offering to add a free alert to your business website to keep customers informed about your operating status. Click here to visit their website. If interested, please contact: gwells@webmasterserviceshawaii.com

Online Business Development Services will develop a Shopify website for your organization within 1-2 days for $100 ($150 for a website and Facebook page) so customers can order online, pay in advance, and pick up directly. They can also create social media pages on Instagram or Google My Business. They are willing to accept products as payment if needed. Shopify is an e-commerce platform that costs $29/month. For more information, see here. If interested, contact: Regina L. Floyd Email: reginafloyd@gmail.com (with subject line "Farmers Market Website") Phone: (808) 742-8424

SBA documents have been translated in multiple languages. Please find them here.

Grants.gov is the portal through which organizations apply for federal funding opportunities. A majority of federal funding opportunities are posted on grants.gov; thus, it is imperative that grant seekers maintain an up-to-date understanding of this portal. Grants.gov’s community blog provides tips for writing grant proposals and common eligibility and policy definitions referenced in the grants.gov website. To access the grants.gov community blog, click here. Grants.gov also holds financial management training seminars, grant management boot camps, and other events. Though there are no upcoming events in Hawaii, many of the existing events have changed to virtual formats, so Hawaii agriculturalists may be able to access these events online. To see a list of upcoming events, click here.

Nonprofitready.org is a free online learning library with articles and lessons on a multitude of different topics ranging from grant seeking to digital marketing. This resource is open to anyone, not just nonprofits, and provides short training modules on how to find, write, and acquire grants. To sign up for a free account, click here.

Google offers up to $10,000 of in-kind advertising on Google Search every month for nonprofits to create text ads. 1) First, your organization must apply to Google for Nonprofits, a G Suite made specifically for nonprofits. To request a Google for Nonprofits account, click here. 2) You must also have a high-quality website that meets these guidelines. 3) Finally, you must fill out an eligibility form and submit your activation for review. For complete instructions on how to do this, click here. To learn more about Google Ad Grants, click here.

Pacific Media Group has created a $2M marketing fund for Hawaii businesses to help local businesses connect with consumers with goods and services during COVID-19. To apply, click here.

Pacific Community Ventures offers free and confidential mentoring services to small business owners by matching organizations with pro-bono business coaches and mentors. Companies that have worked with these mentors have increased their annual revenue by an average of 20%. To create your account and sign up, click here.

Alderspring Ranch in Idaho provides a free five-day mini course designed for farmers and ranchers with frozen products to teach them how to deliver directly and sell through online storefronts. To sign up, click here.

NRCS is able to partially cover the cost of disposing livestock due to the impacts of the coronavirus and other emergency animal mortality events. Swine, livestock, and poultry are all eligible. Note: •An application and approved early start waiver must be filed with NRCS before animal carcasses are disposed of. •Producers must also have FSA farm records. For more information and to view payment rates, click here. To apply, contact your local USDA service center. Contact information by county can be found here.

Hawaii Alliance of Nonprofit Organizations offers free technical assistance to the first 300 nonprofits requesting SBA loan assistance. To request assistance, contact one of the following seasoned consultants here.

The Paycheck Protection Program (PPP) helps businesses with fewer than 500 employees keep workers on payroll. Sole proprietorships, independent contractors, self-employed persons, and private non-profits may also apply. SBA will fully forgive loans IF all employees kept on payroll for 8 weeks and at least 60% of it is used on payroll. The rest can be used for rent, mortgage interest, and utilities. If the loan is not fully forgiven, loan payments will be deferred for 10 months. Loans will have a 2-year term with 1% interest. No collateral or personal guarantees are required, and there are no government or lenders’ fees. Loan Forgiveness Instructions and Application: As of 5/15, the loan forgiveness instructions were released with certain measures to reduce compliance burdens. These measures include: •Options for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with borrowers’ regular payroll cycles •Flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan •Step-by-step instructions on how to perform the calculations required by the CARES Act to confirm eligibility for loan forgiveness •Borrower-friendly implementation of statutory exemptions from loan forgiveness reduction based on rehiring by June 30 •Addition of a new exemption from the loan forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined To view the loan forgiveness instructions and application, click here. *Update: On June 4, the PPP Flexibility Act was signed into law. This act gives recipients of the PPP 24 weeks to use their funding from the date they received it. In addition, the loan payment deferral period was extended and only 60% of total funds have to be spent on payroll costs to be fully forgiven. To read more about the PPP Flexibility Act and the conditions for forgiveness, click here. Helpful Resources: •To calculate the amount of funding your business qualifies for under EIDL and PPP, click here •To calculate the maximum amount of loan forgiveness, access an interactive calculator here •For best practices to ensure qualification for full loan forgiveness, click here •For an overview of the PPP from the Hawaii Chamber of Commerce, click here •For definitions of payroll costs and other technical language, click here •For answers to common FAQs, click here, here, orhere •To learn how PPP affects taxes and access other Hawaii State tax information, click here Updates: •As of 5/5, PPP approvals for new funding requests looked very promising! •7,717 Hawaii PPP loans already approved from Round 2. •and $175B of $310B of available funds were used up in the first week of Round 2. •The average Hawaii loan size for Round 2 is $54,000. •CPB and ASB are still accepting new PPP applications for existing and non-bank clients. Notes: •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. •Applicants must certify in good faith that the current economic uncertainty makes their PPP loan request necessary to support their ongoing operations in the PPP application form, and should be prepared to demonstrate to the SBA the basis of its certification upon request. •Forgiven PPP debt is excluded from gross income and therefore not subject to federal income tax. Q: If I laid off an employee, offered to rehire them, but they declined the offer, will I still be able to gain loan forgiveness under the PPP? A: Yes, but you must have a good faith, written offer of rehire, and documented employee rejection of the offer; also note that employees who reject these offers may forfeit eligibility for continued unemployment compensation. To listen to an audio recording about EIDL and PPP specifically for agricultural businesses, click here. How to apply: Businesses can apply for the PPP through any existing SBA 7(a) lender OR any federally insured depository institution or credit union OR farm credit system. Call your local bank and ask if they are participating! To see a list of participating lenders, click here. Deadline: June 30, 2020

HDOA proovides emergency loans for farmers of up to $150,000 at 3% interest. Loans up to $100,000 will not require credit denials from other financial institutions. HDOA has waived their three-year residency requirements. For more information, click here. To apply, contact the nearest HDOA office. Oahu, Kauai, Maui: (808) 973-9460 Hilo: (808) 933-9975
 Kona: (808) 323-7591

Hawaii Community Foundation is offering grants for projects that address one or more phases of their four-phased approach to community resilience. The four phases are: (1) Risk reduction (2) Rapid relief and response (3) Recovery and stabilization (4) Rebuilding resilience To learn more, click here. To quickly distribute resources, Hawaii Community Foundation has foregone a formal application process. If interested, please email them of your needs at grants@hcf-hawaii.org.

HFUU is looking for farmers that want to sell to food hubs and increase production. They are also looking for businesses with commercial refrigeration space, and restaurants/food entrepeneurs who want to utilize a ghost kitchen model to prepare family-style meals for pickup or for door-to-door delivery. HFUU recently assembled a task force to support agricultural communities by aggregating and sorting food into CSA boxes in food hubs and commercial kitchens. They also hope to partner with chefs, caterers, and other prepared foods businesses. For more information, see here. To get involved, email: food@hfuuhi.org

The Economic Injury Disaster Loan (EIDL) and EIDL Emergency Advance provides working capital loans of up to $2M for small businesses to overcome temporary loss of revenue due to COVID-19. As of April 13, EIDL now includes farm and ranch businesses with fewer than 500 employees, aquaculture, nurseries, and agricultural cooperatives. Businesses can also apply for a loan advance of up to $10,000, which will become available within 3 days of successful application and will not have to be repaid. If agricultural businesses applied to EIDL before EIDL was opened to agricultural businesses, applications will be processed without businesses having to reapply. Terms: •3.75% interest for small businesses without available credit elsewhere •2.75% interest for nonprofits •Up to a 30-year amortized loan with one year of deferred payments. Note: •SBA determines loan amount based on the working capital needs of the business. Interest rates on the loans are 3.75% for businesses and 2.75% for nonprofits. •If the loans are over $25,000, SBA will take a general security interest in the business assets; they will take a UCC filing. •The EIDL advance does not require any type of reporting; however, it is subject to federal and state income tax. The EIDL loans are not subject to federal and state income tax. Any advance that receive from EIDL could be subtracted from the PPP forgiveness. •Applicants have to be officially registered businesses in existence for over a year. Owners have to have invested equity, demonstrate an ability to repay, and have exhausted other assets/insurance that can be liquidated. •Both US citizens and residents can apply. •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. EIDL is designed to be used for working capital. This includes paying fixed debts, payroll, accounts payable, and other accounts businesses would have paid should this disaster not have occurred. The loans are not intended to replace lost sales/profits, but designed to help maintain viability and operations. •There are no costs to apply and there is no obligation to take the loan if it is offered to you. Things the application will ask: •Business name •Trade name •EIN number or SSN for sole proprietorships •Organization type •Business activity •Bank account information where funds can be deposited (account number, bank routing number) •For the 12 month period prior to January 30, 2020, business gross revenues of business, COGS, costs of operation/operating expenses •Compensation from any other source that could potentially duplicate funding purposes •Tip: Make sure to check EIDL loan advance box. To apply, click here. Helpful Resources: •For a webinar from the SBDC on how to fill out the application, click here •For a list of documents needed to apply, click here •For more information about EIDL and PPP, click here •For step-by-step instructions on how to fill out the application, click here •To compare the EIDL, PPP, and other federal programs, click here orhere •To compare the compare the EIDL and the SBA 7(a) loan, click hereUpdates: EIDL reopened for agricultural businesses on May 4. Notes: •The application may take up to 2 hours. •To check the status of a disaster loan application/advance, call SBA’s customer service center at (800) 659-2955 or email disastercustomerservice@sba.gov. Deadline: TBD

The Healy Foundation offers grant up to $50,000 for nonprofits in Hawaii for projects that address protection of ecosystems, climate change mitigation, reduction of childhood poverty, or youth advocacy and education. Note: The board meets four times a year to award grants. For more information, click here. To apply, submit a Letter of Inquiry on their grant portal here. For further questions, email sgeary@thehealyfoundation.org

Foodland hopes to support local farmers by purchasing the supply of food produced until the demand resumes and/or by facilitating food distribution. The goal is to minimize the need to import food. To add any products you may have available, please complete this short form here or contact Foodland at (808) 732-0791. Please note that completing this form does not guarantee market access.

SBA Express Bridge Loans are for small businesses who already have a relationship with an SBA Express Lender to meet urgent cash needs while waiting for EIDL disbursement. Businesses can access up to $25,000 with less paperwork and a loan term of up to 7 years. Businesses must have: •Less than 500 employees •Been in operation as of 3/13/2020 •Adverseley iimpacted by coronavirus •Have a pre-existing relationship with a lender that offers EIDL loans as of 3/13/2020 For more information, click here, here, or here.

Hawaii Food Producers Fund offers 0% interest loans up to $10,000 to Hawaii food producers (Hawaii-based farmers and food processors with at least one Hawaii-grown ingredient) through Kiva. Money may be used for any business purpose. Terms: Applicants can receive 50% of the loan from the Hawaii Food Producers Fund. Loans may be repaid in three years in weekly/monthly PayPal installments with grace periods of up to 6 months for farmers. No collateral is required. Note: Applicants must invite an initial pool of lenders from their own network that must lend as little as $25 each. The application requires a photo, personal story, and business description. Kiva has a 100% funding success rate for Hawaii entrepreneurs. To see successfully funded recipients of the Hawaii Food Producers Fund, click here.To start your application, click here. For questions, contact: Eric Bowman Email: ebowman@kohalacenter.org Phone: (808) 887-6411

If you have an oversupply of product, HDOA is able to purchase bulk amounts of product for a conservative price. For inquiries, please email: Nicole Pfeffer Email: nicole.y.pfeffer@hawaii.gov Phone: (808) 973-9573 HDOA Economic Development Specialist Include available pounds, frequency of availability, quality (off-grade, for instance), and selling price per pound/unit.

FEMA Public Assistance Programs reimburse eligible applicants for costs associated with emergency protective measures in response to the COVID-19 pandemic. Note: FEMA assistance will be provided at 75% federal cost share. To learn more about the specific projects asnd activities funded under FEMA, click here. To apply, fill out the application here. Deadline: Program will remain open for the duration of the Public Health Emergency as declared by the Secretary of Health and Human Services.

COVID-19 has caused coffee sales to slow or halt for many businesses. SHAC has been in conversation with USDA to facilitate purchases of Hawaiian-grown products for government use. If you have roasted coffee that you would like to make eligible for USDA purchase, please contact: suzanne@shachawaii.org Include the total quantity you would like to make available, and the requested price. Also include the format (bag, pods, commercial packs). All information will be kept confidential.

SBA offers numerous other loans. See below for summaries of each: •7(a) Program -up to $5M through lending partners for small businesses -money for working capital, expansion/renovation, new construction, etc. •Express Loan program -up to $350,000 for up to 7 years with an option to resolve -36 hour approval/denial turnaround time •Community Advantage Loan Pilot Program -mission-based lenders can assist small businesses in underserved markets through loans up to $250,000 •504 Loan Program -for economic development and job creation/retention -can only use funds for acquiring or refinancing fixed assets •Microloans -up to $50,000 (average size is $14,000) loans through nonprofit lending organizations to underserved markets -money can be used for working capital, supplies, machinery and equipment, fixtures For more information on each of these programs, click here. For an overview of SBA financing options, see page 32 of this document.

Small businesses can receive loans up to $25,000 from both the HDOA and the HDBEDT. For more information, click here or here. To learn more about CBEDT, click here. For any questions, please contact: Wayne Thom Email: wayne.k.thom@Hawaiʻi.gov CBEDT Program Hawaiʻi Department of Business Economic Development and Tourism

The Federal Reserve Main Street Lending Program is offered by the Federal Reserve to help banks give money more freely to businesses in need maintain payroll and retain workers through this pandemi cby purchasing a large portion of loans from banks. This program is available to any business that have less than 15,000 employees and/or annual revenues under $5 billion. For additional eligibility requirements and more information, see here. To apply, contact your local lender.

The Opportunity Fund is a US-based nonprofit organization that provides financing and microloans from $2,600 to $250,000 to underserved small-business owners. For more information, click here. To inquire about financing options, call 1-888-720-3215, Monday through Friday, 8 am – 6 pm PT.

This grants program is in its first year of existence and is comprised of two projects: Planning Projects Applicants can receive up to $200,000 per single program year or up to $500,000 over three years for planning projects. Planning projects initiate or expand efforts of urban agriculture, including agriculture assessments, the development of business plans and feasibility studies, support for municipal planning, and program development and implementation of agriculture and innovative production in schools. Implementation Projects Applicants can receive up to $100,000 per single program year or up to $300,000 over three years for implementation projects. Implementation projects can increase food production in small urban and indoor spaces, operate community gardens, provide hands-on training in farming, meet specific food and agricultural needs, and provide schools with resources to grow and consume nutritious food and pursue careers in agriculture. Projects should target one or more urban areas, suburbs, or urban clusters where access to fresh foods is limited or unavailable. Projects should include one or more partner organizations to achieve project goals within the target areas. Nonprofits, local governments, and schools that serve any of the grades K-12 are eligible to apply. To view the slides from an informative webinar, click here. To view the full program announcement, click here. For more information and to apply, click here. Deadline: July 6, 2020

Kahiau Rural Business Development Microloan Program offers technical assistance and $2,000-$15,000 in low interest loans for businesses to help them develop and build a network. Businesses must: (1) Be new/existing on Hawaii Island or Molokai (2) Have a Native Hawaiian or kama`āina (born and raise in Hawaii) owner/operator (3) Reflect at least one of three values: -Strengthening Hawaiian culture -Building community -Ennhancing the health of the natural environment Terms: Loans are provided at a 2% interest rate. Funds should be used to contribute to business viability/growth. Notes: Pre-loan technical assistance is available to help with the loan application process, financial record keeping, credit issues, and business planning. Ongoing monthly technical assistance is also available to help with tasks such as quarterly financial statements. For more information, click here. How to Apply: Access the intake form here, and email the completed form to info@kohalacenter.org. Deadline: until funds are depleted For questions, contact: info@kohalacenter.org or call at (808) 887-6411

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323

The Community Facilities Direct Loan and Grant Program aims to develop essential community facilities in rural areas. Community-based non-profit corporations and public bodies may apply. Examples of agricultural-related projects are community gardens, food pantries, community kitchens, food banks, food hubs, and greenhouses. Note: Rural areas must have less than 20,000 residents. Eligible bodies can an apply for low interest direct loans, grants, or a combination of both. For specific information and funding priorities, click here. If interested, contact: Brenda Iokepa-Moses Hawaii State Director USDA Rural Development Phone: (808) 933-8305

This program provides up to $250,000 grants for non-profits to increase the number of military veterans gaining knowledge and skills through comprehensive, hands-on and immersive model farm and ranch programs offered regionally that lead to successful careers in the food and agricultural sector. To learn more and apply, click here. For more information, contact: Brent Elrod richard.elrod@usda.gov (816) 926-2535 National Program Leader Division of Family & Consumer Services USDA National Institute of Food and Agriculture Deadline: 6/26/2020

The Foreign Market Development Cooperator Program provides funding for projects up to 3 years long that contribute to the effective creation, expansion, or maintenance of foreign markets. Applicants need to have a clear, long–term agricultural trade strategy, have the broadest producer representation and affiliated industry participation of the commodity being promoted, and include an effective program time line against which results can be measured at specific intervals using quantifiable product or country goals. Applicants must be nonprofit U.S. agricultural trade organizations that promote the exports of one or more U.S. agricultural commodities and must not have a business interest in or receive compensation from specific sales of agricultural commodities. For more information and to apply, click here. Deadline: 6/26/2020

The Momentum Fund provides up to $100,000 grants to 501(c)(3) organizations that are managing active COVID-19 funds so these organizations can grow, promote, manage, and sustain their funds. Grants will be given to organizations that serve communities and populations whose health and/or financial situations have been most severely impacted by COVID-19. Note: Applicants must have an active COVID-19 fund of at least $50,000, either pledged, committed, and/or spent that provides funds to other 501(c)(3) organizations. For questions, email: information@momentumfund.org For more information and FAQs, click here. To apply, click here. Deadline: June 18, 2020

The SBA offers export assistance for small businesses that export overseas either directly or indirectly by selling to an intermediary. See below for summaries of their export assistance programs: •Export express loan program Provides up to $500,000 for quick access to capital. Businesses can apply for line of credit/term note before finalizing export sales. •Export working capital program Provides revolving lines of credit or transaction-based financing of up to $5M so businesses can offer attractive payment terms to customers, fulfill export orders, and finance international sales. •International trade loan program To help small businesses engage in International trade, expand trade locations, or re-shore operations back to the US. For more information about each of these programs, click here.

Mosaic offers rapid response grants up to $10,000 to nonprofit grassroots organizations whose aim is to protect the environment or pursue environmental justice. Funds can be used for tools and technology, training, and related resources. Note: Applicants must have an annual budget below $500,000 and be accountable to local constituents. For more information, click here. To complete a brief application, click here. For any questions, email: info@mosaicmomentum.org Deadline: The third round deadline is July 2.

Hawaii Community Foundation hopes to support projects that improve agricultural water use efficiency and provide measurable benefits to the state. Grants up to $50,000 are available for one-year projects, and grants up to $100,000 are available for two-year projects. There are two types of projects they will fund: 1) Water efficiency projects, for the installation of equipment to improve irrigation efficiency/potable water conservation. 2) Water management projects, for the development of a water conservation program/plan or water conservation education program for farmers or agricultural water managers. Nonprofits, state and county governments, public and private agricultural parks, and colleges and universities in Hawaii are eligible to apply. To learn more about the project criteria, preferences, and application instructions, click here. For more information about the Fresh Water Initiative, click here. For questions about this program, contact: Dana Okano Email: dokano@hcf-hawaii.org Phone: (808) 566-5541 Deadline: June 30, 2020

The B&I Loan Guarantee Program provides working capital to prevent, prepare, or respond to the effects the coronavirus. They may be used to support rural businesses, including agricultural producers, that were in operation on 2/15/2020. B&I loan guarantees aim to help businesses and employment in rural areas by strengthening the private credit market through federal guarantees on business loans, helping businesses receive loans that they might not be able to qualify for through USDA FSA loans or otherwise. Projects that receive loan guarantees must provide employment and improve the economic or environmental climate. Terms: •The maximum B&I loan guarantee is 90% for all CARES Act funded loans. •The guarantee fee is 2%. •Appraisals must be completed within two years of the date of application. •Discounting of collateral for working capital loans is not required. •The maximum term for these working capital loans are 10 years. •The loans must be used for working capital. •Federal or state-chartered banks, savings and loans, farm credit banks, and credit unions may apply. For more information, click here. To access a webinar with an overview of program requirements on June 3 at 8:00am Hawaii Time, click here. To apply, work with your commercial lenders to develop a loan package that can be submitted to your local USDA Rural Development state office. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

SBA offers up to $5M loans to help small businesses enter and expand into international markets and make investments to compete with import competition. Terms: •Maturities on the working capital portion of the loan are up to10 years. •Maturities on equipment are up to 10 years, unless the useful life exceed 10 years. •Maturities on any real estate portions of the loan are up to 25 years. •Interest rates are between 2.25-2.75% above the prime rate. •Applicants must meet the same eligibility requirements as SBA’s standard 7(a) Loan Program. For more information, click here. To apply, contact an SBA-participating lender. Your lender can submit the SBA Form 4 (Application for Business Loan) to the SBA.

Grants and loans available to public agencies and private nonprofit organizations to prevent, prepare, and respond to COVID-19 impacts with emphasis on public health, housing, economic recovery, and the needs of low- and moderate-income persons. For more information, click here. To access the application, click here for page 1 and here for page 2. Questions: Call (808) 661-8379 Email ohcdcdbg@hawaiicounty.gov

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Farm Service Agency has a wide range of loan programs including: •Direct Operating Loans •Direct Farm Ownership Loans •Minority and Women Farmers and Rachers •Emergency Loans •Microloans Note: FSA has relaxed some of their application guidelines due to the coronavirus. See here for more information. For more information about each of these programs and to apply, click here.

The Office of Hawaiian Affairs offers $2,500-$100,000 loans with a 4% APR and up to a 7-year term. Loans can be used for working capital or to establish or build upon a small business. Applicants must be of Native Hawaiian ancestry, State of Hawaii residents, have a credit score of 600 or greater, and be US citizens. Businesses must have an income-to-debt ratio of 45% or less, and must be registered and in good standing with DCCA. For more information and to access required documents, click here.

Farmers with USDA farm loans who have been affected by COVID-19 can have their next payment set aside. The set-aside payment’s due date would be moved to the final maturity date of the loan or extended up to 12 months (for annual operating loans). To discuss/request a loan payment set-aside, call or email your local FSA county office. A directory can be found here. Note: •Principal set-asides will continue to accrue interest until repaid. •If you have suffered from a prior designated disaster and have already had a payment set aside, you may be eligible to have a second payment set aside. •FSA direct loan borrowers should receive a letter with all relevant details. •USDA has announced additional farm loan, commodity loan, and crop insurance flexibilities. To view these announcements, click here. •For a basic introduction into FSA loans, click here.

The Rural Economic Development Loan and Grant program provides funding for rural projects through local utility organizations. USDA provides zero-interest loans to local utilities which they, in turn, pass through to local businesses (ultimate recipients) for projects that will create and retain employment in rural areas. The ultimate recipients repay the lending utility directly. The utility then is responsible for repayment to USDA. USDA provides grants to local utility organizations which use the funding to establish Revolving Loan Funds (RLF). Loans are made from the revolving loan funds to projects that will create or retain rural jobs. When the revolving loan fund is terminated, the grant is repaid to USDA. Former Rural Utilities Service borrowers who borrowed, repaid or pre-paid an insured, direct or guaranteed loan, nonprofit utilities that are eligible to receive assistance from the Rural Development Electric or Telecommunication Programs, and current Rural Development Electric or Telecommunication Programs borrowers may apply. Applications are accepted year-round. For more information, click here. To apply, work with your USDA Rural Development Office. Brenda Iokepa-Moses State Director (808) 933-8305

The Hua Kanu Business Loan Program provides $200,000-$1,000,000 loans to Native Hawaiian-owned businesses. The loan has a 7-year term at 4% APR. The loan may be used for working capital or to purchase equipment or inventory. For more information, required documents, and a loan calculator, click here. To inquire about a Hua Kanu loan, please contact them at (808) 594-1924, NHRLF@ohaloanfund.org, or contact your OHA neighbor island office.

This community-sourced document lists food needs and resources throughout the state in an effort to connect those looking for food with those who are looking to sell. To view this resource, click here.

Financial counseling and loans up to $2,500 for individual workers and $5,000 for self-employed persons will be provided to asset limited, income constrained, employed residents who reside on Hawaii Island and have lost income due to COVID-19. For more information, click here. To apply, click here. To request a paper application or complete an application over the phone, call (808) 934-0801.

As of May 4, 2020, the USDA announced It will purchase $470 M in food during the third quarter of the 2020 fiscal year and distribute it to those in need through CSFP, TEFAP, and USDA Foods in Schools. AMS will begin issuing solicitations in June and intends to begin deliveries in July. AMS also purchases a variety of domestically produced and processed commodity food products through the AMS Commodity Procurement Program. To see specific purchase amounts for each program, click here. AMS will purchase a variety of fruits, vegetables, meat, dairy, and seafood products under this additional $470M. To see if the your products are included, click here. In order to participate in this program, you must be an approved USDA vendor. To learn more about becoming an approved vendor, click here. To see requirements for USDA product consideration, see here. For any questions, please contact your commodity procurement division (organized by product). To access this directory, click here.

Hawaii Seed Growers Network is looking for seed growers in Hawaii. If you are interested, contact nancyredfeather@hawaii.rr.com or contact them here.

The Kauai Senior Farmers’ Market Nutrition Program (SFMNP) provides low income seniors with eligible produce while supporting local farmers. Participants can fill out an application and receive a $5 voucher booklet for $50 of produce. The SFMNP accepts produce that is at least 55% locally grown. The SFMNP started on April 1 but farmers are able to apply past this date. To find out more about becoming a participating farmer, click here. For any questions, contact: Jared Kawatani Phone: (808) 954-7877

Malama Virtual Farmers Market provides free deliveries of local produce and products. Customers can shop 7 days a week, 24 hours a day and can purchase produce, baked goods, chocolate, meat and seafood. To learn more, click here. If you are interested in selling your local produce or locally-made items, contact: John Genovese Phone: (808) 639-1980 Email: info@malamaauctions.com

Nani Moon Mead is a honey wine company in Kauai looking for lemongrass, kefir lime, kumquat, buddhas hand, calamansi. If interested, please email: nanimoonmeadinfo@gmail.com

Giving Kauai Hope is offering to make custom shirts for small businesses to promote sell. Businesses will receive $10 for every t-shirt sold. To create a custom t-shirt, send them your logo and apply through this link. To see an example of a custom made t-shirt, click here.

Nourish Hanalei is looking to purchase apple bananas. We buy year round, and pay upon delivery in Princeville. Minimum purchase 50 lb. Looking forward to meeting you! If interested, email nourishhanalei@gmail.com Kauai Juice Co. is seeking red jalapeno peppers in bulk. If interested, please contact Kyle at kyle@kauaijuiceco.com or 979-578-1903. Email is preferred.

In May and June, 6,400 locally-produced Farm-to-School CSA boxes will be distributed by Malama Kauai through drive-thru programs at Kauai schools for families in need, thanks to funding from the USDA’s Farmers to Families Food Box Program. MK will be purchasing over $200,000 of mixed veggies and fruits, as well as 4 oz. cheese tubs from local producers. Extended deadline! Farmers may submit bids on an ongoing basis as long as opportunities remain available. Please call Robyn with questions at (808) 828-0685 x10 or grants@malamakauai.org.

Try Eat Hawaii provides an online marketplace for growers to display their products. Customers can access this platform and make transactions directly with farmers. To register as a grower, click here.

Hawaii Island’s Bridges Program uses public/private partnerships to strengthen local agriculture production by purchasing locally grown food and flowers and donating them to approved community organizations to distribute. Participants in this program do not have to be HFB members. To learn more, click here. If interested in participating, fill out this short form here.

Da Box is a community supported agriculture program that purchases local produce to sell to customers island-wide. To learn more, click here. Da Box is not currently accepting new customer sign-ups but interested customers may call (808) 933-6030 to be placed on a wait list.

The Farm Product Purchase Program purchases produce and meats from commercial farmers and livestock producers to distribute to families in need through The Food Basket and other channels. HFB membership is not required to participate. Value added products are not eligible for the Farm Product Purchase Program at this time. For more information, click here. If interested in applying, fill out the application here and email it to kaiwiki.1970@gmail.com. You should receive an email confirmation.

Local Inside provides weekly/bi-weekly deliveries of fruits and vegetables from Oahu farms, as well as honey, condiments, butters, and jellies. To learn more, see here.

Hawaii Farm Bureau offers a drive-thru farmer’s market every Wednesday, Thursday, and Saturday in order to provide fresh, locally-grown produce to customers while supporting hard-working farmers. Customers can order produce online and pick it up at Blaisdell or Windward Mall. For more information, click here. While some farmers’ markets are closed, there is still an opportunity for farmers and ranchers to sell directly to consumers. Contact (808) 848-2074 or apply here.

Farm Link is an online local food marketplace and delivery network based on O‘ahu. Customers can purchase products online and have them delivered to them. To learn more, click here. For further information, contact: info@farmlinkhawaii.com (808) 201-5252

HAF recently added farms and farm-related resources to its free marketing Food-A-Go-Go platform on May 7, 2020. With many farmers’markets initially closed there is no up-to-date information on where to buy local produce. Farmers, especially the smaller producers, are vulnerable with the loss of wholesale distribution to the hotels and closure of farmers’ markets. Many farmers have started their own CSA programs and are selling direct to the consumer. In addition, new CSAs are popping up and offering local produce boxes. With a lack of information on where to buy local produce, Food-A-Go-Go Farms helps consumers find local produce and producers. The platform includes local farmers, CSA providers, and local producers in two categories: Local Inside® for value-added products made with locally grown, caught or raised ingredients and Aloha Inside® for any food product made locally in Hawai‘i. To be included on this directory, fill out the form here.

The Community Food Projects Competitive Grants Programoffers a $35,000-$400,000 grant to fund: (1) community food projects to support the development of community-based food projects (2) planning projects in order to improve community food security Note: A 100% match is required. For more information, click here. To view specific eligibility requirements and apply, click here. Deadline June 3, 2020 For more questions, contact: Paul Cotton Email: paul.cotton@usda.gov Phone: (816) 926-1608 Division Director of the Division of Nutrition

The Star Advertiser has created a Hawaii business directory to keep the community informed about businesses' operating status during this pandemic. To see the current directory, click here. To be added to this directory, fill out the following form here.

This program aims to improve access to clean, reliable water and waste disposal systems for households and rural businesses. These loans can be used for projects relating to drinking water, sewers, waste disposal, storm water disposal, etc. Nonprofit organizations and state and local governmental entities can apply. To learn more, click here. To apply, ask your private lender if they participate in USDA loan guarantee programs or contact: Hawaii and Western Pacific State Office USDA Rural Development Phone: (808) 933-8380

HCRC Emergency Loan Program (HELP) provides short-term bridge loans and term loans between $15,000-$100,000 to non-profits and mission aligned small businesses that are otherwise unable to secure financing but have an immediate need for capital. Funds can be used for payroll, rent, mortgage interest, utilities and other operating expenses to allow the organizations to stay open. Note: Organizations have to have annual revenue of at least $100,000 Priority is given to organizations that have applied for PPP or EIDL but have been declined or are waiting for a response. Terms: •6-month bridge loan that converts to a 42-month term loan for a total of 48 months •3% fixed interest rate for the 6-month bridge loan period and 5% fixed interest rate for the 42-month loan period •For profit businesses have to have all individuals with a 20% ownership interest in the organization provide a personal guarantee. •Non-profits don’t have to provide a personal guarantee if their board of directors is comprised of a majority of independent voting directors. •Need 2 years of historical financial statements or tax returns and cash flow protection (can be simple or complex) For more information about eligibility and to apply, click here. For an overview of the program, click here. For further questions, Chelsea Schull LISC-HCRC Hawaii Program Officer help@hcrchawaii.com

The Agriculture Leadership Foundation of Hawaii is collecting information on farms that are offering products through online ordering, delivery service, and direct pick-up. This operating information will be shared with the public. To add your business and update your operating status, click here.

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply. This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323 Deadline: 9/30/2020

Farm Business Management and Benchmarking Competitive Grants Program offers $100,000-$500,000 grants to improve farm management knowledge and skills of agricultural producers through maintaining and expanding a national, publicly available farm financial management database to support improved farm management. Note: There are no. cost sharing/matching requirements. To learn more, click here. To apply, click here. Deadline: June 5, 2020 Questions: Brent Elrod National Program Leader Division of Family & Consumer Services Richard.elrod@usda.gov (816) 926-2535

Honolulu Small Business Relief Fund The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. UPDATE! AS OF JUNE 16: Small Farm Relief Fund This Relief Fund is part of the Small business Relief and Recovery Fund. They have removed some of the barriers farmers had with eligibility. If you did not qualify before you may qualify now! This fund is available to farms with $2 M or less in annual revenue and have 50 or fewer employees, and provides up to $10,000 in expense reimbursement to qualified businesses. Please provide: • A copy of TMK/lease of the land • Current land dedication for agricultural use (sent to plai@honolulu.gov or jokuhama@cbllending.com) Notes: • When the application asks you to provide a “detailed description of business products/services provided,” make sure to use one of the following key words: “agriculture, farming, vegetables, flowers, ornamentals, aquaponic, hydroponic, or livestock.” This way, credit unions will be able to expedite the review process. Please see here for more information and translated resources in Chinese, Japanese, and Filipino. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

Poise is awarding 20 $15,000 grants to women-owned businesses to bounce back from COVID-19. Preference is given to businesses that challenge societal norms/stigmas or have a strong connection to moms/motherhood, demonstrate a passion for female empowerment, have a demonstrated need due to COVID-19, and display energy, enthusiasm, creativity, and passion for the business. To apply, click here. For more information, click here. Deadline: June 30, 2020

The Agricultural Management Assistance Program provides cost share assistance to agricultural producers to address issues such as water management, water quality, and erosion control. For more details, click here. To apply, contact your local USDA service center. contact local USDA service center. Directories can be found here.

The Entrepreneurial Dream Project provides $100,000 grants and/or mentorship to new businesses. Note: •Companies with products made publicly available in 2019 or later or companies who have not yet launched are eligible to apply. Companies must be pre-revenue or have gross annualized revenue under $2.5M. •Companies and founders must have an active website and social media account. For more information, click here. To apply, click here. Deadline: June 15, 2020 For further questions, email: EDP@supermaker.com

The Coronavirus Food Assistance Program provides direct support based on actual losses for agricultural producers with impacted prices and market supply chains. These funds can be used to support adjustment, additional marketing costs, and short-term oversupply. Farms of all sizes and markets that suffered losses are eligible to apply. For more information, click here. USDA will announce more details soon on how to apply.

The CLIF Bar Family Foundation provides small grants to 501(c)3 organizations that support one or more of the following objectives: •Protect earth’s beauty and bounty •Create a robust, healthy food system •Increase opportunities for outdoor activity •Reduce environmental health hazards •Build stronger communities Applicants’ most recent 990 and P&L for the current year and last year are required for general support. A detailed budget including income and expense is also required for specific project requests. To find out if you are eligible, take this short eligibility quiz here. For more information, click here. To apply, click here. Deadline: October 1, 2020

Immigrants Rising’s Entrepreneurship Fund provides up to $2,000 grants to undocumented entrepreneurs working to create positive social change. Grantees will be offered support and guidance from professional advisors, join a national network of undocumented freelancers and entrepreneurs, and get social media exposure for their projects. Projects must create positive social change and must be designed and led by undocumented young people. Applications are accepted on a rolling basis and reviewed every month. For more information, click here. To apply, click here.

A total of $250,000 in grants will be awarded to eighteen entrepreneurs. Awards will be granted based on demonstrated need and proposed use of funds. For-profit businesses may apply. Preference is given to companies that have launched and need support to scale. If applicants make it to the semi-finalist round, they will have to create a pitch video. For more information, click here. To apply, click here. Deadline: July 16, 2020

Popup Makeke is an online marketplace where consumers can access local products, including value-added agricultural products. While they are not currently accepting applications for new vendors, if you sign up for their email list, you will be alerted of any new opportunities. To sign up for their email list, visit this page and scroll to the bottom to subscribe here.

The County of Hawaii is requesting grant proposals for the 2020-2021 fiscal year for projects that aim to support economic recovery and innovation from COVID-19 in the economic development, tourism, agriculture, creative economy, energy, and sustainable development sectors. Note: Proposals must be sealed and physically delivered. Please see here for the delivery locations. For more information and to see previous grant award lists and forms, click here. To view the RFP, click here. To access FAQs, click here. Deadline: June 22, 2020

GoFundMe will give $500 to businesses that raise at least $500 on their platform. This fund will continue until funds are depleted.The relief fund has been in operation since March so it is important to launch a crowdfunding campaign as soon as possible if you would like to participate. What is crowdfunding? Crowdfunding is a type of fundraising where organizations can ask the public for support. It begins with businesses sharing their stories and asking their audience to donate or invest in their business. Eligibility To be eligible for this opportunity, businesses have to: 1) be independently owned and operated 2) be negatively impacted by a government mandate due to COVID-19 3) not be nationally dominant in their field of operation 4) use these funds to care for their employees/workers or pay ongoing business expenses 5) have no fraud reports against them To access FAQs, click here. To participate in this opportunity, sign up for GoFundMe, start a fundraiser, add the hashtag #SmallBusinessRelief to your story, and fill out this short form. Once you raise $500, GoFundMe should automatically issue this additional $500 to the associated bank account.

The Rural Business Development Grant provides technical assistance and training for small rural businesses with fewer than 50 new workers and less than $1M in gross revenue. There is no maximum grant amount. There are two types of grants: enterprise grants and opportunity grants. To see examples of both enterprise and opportunity grants, click here. For more information, click here. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

Community nonprofit organizations can receive up to $500,000 grants towards disaster relief, recovery, mitigation, and remediation assistance for physical damages or losses from the Kilauea eruption. To access the application, click here. For more information, click here. Questions: Patti Pinto Recovery Assistant Phone: 961-8500 Email: patti.pinto@hawaiicounty.gov

Webmaster Services Hawaii is offering to add a free alert to your business website to keep customers informed about your operating status. Click here to visit their website. If interested, please contact: gwells@webmasterserviceshawaii.com

Online Business Development Services will develop a Shopify website for your organization within 1-2 days for $100 ($150 for a website and Facebook page) so customers can order online, pay in advance, and pick up directly. They can also create social media pages on Instagram or Google My Business. They are willing to accept products as payment if needed. Shopify is an e-commerce platform that costs $29/month. For more information, see here. If interested, contact: Regina L. Floyd Email: reginafloyd@gmail.com (with subject line "Farmers Market Website") Phone: (808) 742-8424

SBA documents have been translated in multiple languages. Please find them here.

Grants.gov is the portal through which organizations apply for federal funding opportunities. A majority of federal funding opportunities are posted on grants.gov; thus, it is imperative that grant seekers maintain an up-to-date understanding of this portal. Grants.gov’s community blog provides tips for writing grant proposals and common eligibility and policy definitions referenced in the grants.gov website. To access the grants.gov community blog, click here. Grants.gov also holds financial management training seminars, grant management boot camps, and other events. Though there are no upcoming events in Hawaii, many of the existing events have changed to virtual formats, so Hawaii agriculturalists may be able to access these events online. To see a list of upcoming events, click here.

Nonprofitready.org is a free online learning library with articles and lessons on a multitude of different topics ranging from grant seeking to digital marketing. This resource is open to anyone, not just nonprofits, and provides short training modules on how to find, write, and acquire grants. To sign up for a free account, click here.

Google offers up to $10,000 of in-kind advertising on Google Search every month for nonprofits to create text ads. 1) First, your organization must apply to Google for Nonprofits, a G Suite made specifically for nonprofits. To request a Google for Nonprofits account, click here. 2) You must also have a high-quality website that meets these guidelines. 3) Finally, you must fill out an eligibility form and submit your activation for review. For complete instructions on how to do this, click here. To learn more about Google Ad Grants, click here.

Pacific Media Group has created a $2M marketing fund for Hawaii businesses to help local businesses connect with consumers with goods and services during COVID-19. To apply, click here.

Pacific Community Ventures offers free and confidential mentoring services to small business owners by matching organizations with pro-bono business coaches and mentors. Companies that have worked with these mentors have increased their annual revenue by an average of 20%. To create your account and sign up, click here.

Alderspring Ranch in Idaho provides a free five-day mini course designed for farmers and ranchers with frozen products to teach them how to deliver directly and sell through online storefronts. To sign up, click here.

NRCS is able to partially cover the cost of disposing livestock due to the impacts of the coronavirus and other emergency animal mortality events. Swine, livestock, and poultry are all eligible. Note: •An application and approved early start waiver must be filed with NRCS before animal carcasses are disposed of. •Producers must also have FSA farm records. For more information and to view payment rates, click here. To apply, contact your local USDA service center. Contact information by county can be found here.

Hawaii Alliance of Nonprofit Organizations offers free technical assistance to the first 300 nonprofits requesting SBA loan assistance. To request assistance, contact one of the following seasoned consultants here.

The Paycheck Protection Program (PPP) helps businesses with fewer than 500 employees keep workers on payroll. Sole proprietorships, independent contractors, self-employed persons, and private non-profits may also apply. SBA will fully forgive loans IF all employees kept on payroll for 8 weeks and at least 60% of it is used on payroll. The rest can be used for rent, mortgage interest, and utilities. If the loan is not fully forgiven, loan payments will be deferred for 10 months. Loans will have a 2-year term with 1% interest. No collateral or personal guarantees are required, and there are no government or lenders’ fees. Loan Forgiveness Instructions and Application: As of 5/15, the loan forgiveness instructions were released with certain measures to reduce compliance burdens. These measures include: •Options for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with borrowers’ regular payroll cycles •Flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan •Step-by-step instructions on how to perform the calculations required by the CARES Act to confirm eligibility for loan forgiveness •Borrower-friendly implementation of statutory exemptions from loan forgiveness reduction based on rehiring by June 30 •Addition of a new exemption from the loan forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined To view the loan forgiveness instructions and application, click here. *Update: On June 4, the PPP Flexibility Act was signed into law. This act gives recipients of the PPP 24 weeks to use their funding from the date they received it. In addition, the loan payment deferral period was extended and only 60% of total funds have to be spent on payroll costs to be fully forgiven. To read more about the PPP Flexibility Act and the conditions for forgiveness, click here. Helpful Resources: •To calculate the amount of funding your business qualifies for under EIDL and PPP, click here •To calculate the maximum amount of loan forgiveness, access an interactive calculator here •For best practices to ensure qualification for full loan forgiveness, click here •For an overview of the PPP from the Hawaii Chamber of Commerce, click here •For definitions of payroll costs and other technical language, click here •For answers to common FAQs, click here, here, orhere •To learn how PPP affects taxes and access other Hawaii State tax information, click here Updates: •As of 5/5, PPP approvals for new funding requests looked very promising! •7,717 Hawaii PPP loans already approved from Round 2. •and $175B of $310B of available funds were used up in the first week of Round 2. •The average Hawaii loan size for Round 2 is $54,000. •CPB and ASB are still accepting new PPP applications for existing and non-bank clients. Notes: •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. •Applicants must certify in good faith that the current economic uncertainty makes their PPP loan request necessary to support their ongoing operations in the PPP application form, and should be prepared to demonstrate to the SBA the basis of its certification upon request. •Forgiven PPP debt is excluded from gross income and therefore not subject to federal income tax. Q: If I laid off an employee, offered to rehire them, but they declined the offer, will I still be able to gain loan forgiveness under the PPP? A: Yes, but you must have a good faith, written offer of rehire, and documented employee rejection of the offer; also note that employees who reject these offers may forfeit eligibility for continued unemployment compensation. To listen to an audio recording about EIDL and PPP specifically for agricultural businesses, click here. How to apply: Businesses can apply for the PPP through any existing SBA 7(a) lender OR any federally insured depository institution or credit union OR farm credit system. Call your local bank and ask if they are participating! To see a list of participating lenders, click here. Deadline: June 30, 2020

HDOA proovides emergency loans for farmers of up to $150,000 at 3% interest. Loans up to $100,000 will not require credit denials from other financial institutions. HDOA has waived their three-year residency requirements. For more information, click here. To apply, contact the nearest HDOA office. Oahu, Kauai, Maui: (808) 973-9460 Hilo: (808) 933-9975
 Kona: (808) 323-7591

Hawaii Community Foundation is offering grants for projects that address one or more phases of their four-phased approach to community resilience. The four phases are: (1) Risk reduction (2) Rapid relief and response (3) Recovery and stabilization (4) Rebuilding resilience To learn more, click here. To quickly distribute resources, Hawaii Community Foundation has foregone a formal application process. If interested, please email them of your needs at grants@hcf-hawaii.org.

HFUU is looking for farmers that want to sell to food hubs and increase production. They are also looking for businesses with commercial refrigeration space, and restaurants/food entrepeneurs who want to utilize a ghost kitchen model to prepare family-style meals for pickup or for door-to-door delivery. HFUU recently assembled a task force to support agricultural communities by aggregating and sorting food into CSA boxes in food hubs and commercial kitchens. They also hope to partner with chefs, caterers, and other prepared foods businesses. For more information, see here. To get involved, email: food@hfuuhi.org

The Economic Injury Disaster Loan (EIDL) and EIDL Emergency Advance provides working capital loans of up to $2M for small businesses to overcome temporary loss of revenue due to COVID-19. As of April 13, EIDL now includes farm and ranch businesses with fewer than 500 employees, aquaculture, nurseries, and agricultural cooperatives. Businesses can also apply for a loan advance of up to $10,000, which will become available within 3 days of successful application and will not have to be repaid. If agricultural businesses applied to EIDL before EIDL was opened to agricultural businesses, applications will be processed without businesses having to reapply. Terms: •3.75% interest for small businesses without available credit elsewhere •2.75% interest for nonprofits •Up to a 30-year amortized loan with one year of deferred payments. Note: •SBA determines loan amount based on the working capital needs of the business. Interest rates on the loans are 3.75% for businesses and 2.75% for nonprofits. •If the loans are over $25,000, SBA will take a general security interest in the business assets; they will take a UCC filing. •The EIDL advance does not require any type of reporting; however, it is subject to federal and state income tax. The EIDL loans are not subject to federal and state income tax. Any advance that receive from EIDL could be subtracted from the PPP forgiveness. •Applicants have to be officially registered businesses in existence for over a year. Owners have to have invested equity, demonstrate an ability to repay, and have exhausted other assets/insurance that can be liquidated. •Both US citizens and residents can apply. •EIDL and PPP cannot be used for the same purposes. For example, if you use PPP for payroll, EIDL cannot be used for payroll. EIDL is designed to be used for working capital. This includes paying fixed debts, payroll, accounts payable, and other accounts businesses would have paid should this disaster not have occurred. The loans are not intended to replace lost sales/profits, but designed to help maintain viability and operations. •There are no costs to apply and there is no obligation to take the loan if it is offered to you. Things the application will ask: •Business name •Trade name •EIN number or SSN for sole proprietorships •Organization type •Business activity •Bank account information where funds can be deposited (account number, bank routing number) •For the 12 month period prior to January 30, 2020, business gross revenues of business, COGS, costs of operation/operating expenses •Compensation from any other source that could potentially duplicate funding purposes •Tip: Make sure to check EIDL loan advance box. To apply, click here. Helpful Resources: •For a webinar from the SBDC on how to fill out the application, click here •For a list of documents needed to apply, click here •For more information about EIDL and PPP, click here •For step-by-step instructions on how to fill out the application, click here •To compare the EIDL, PPP, and other federal programs, click here orhere •To compare the compare the EIDL and the SBA 7(a) loan, click hereUpdates: EIDL reopened for agricultural businesses on May 4. Notes: •The application may take up to 2 hours. •To check the status of a disaster loan application/advance, call SBA’s customer service center at (800) 659-2955 or email disastercustomerservice@sba.gov. Deadline: TBD

The Healy Foundation offers grant up to $50,000 for nonprofits in Hawaii for projects that address protection of ecosystems, climate change mitigation, reduction of childhood poverty, or youth advocacy and education. Note: The board meets four times a year to award grants. For more information, click here. To apply, submit a Letter of Inquiry on their grant portal here. For further questions, email sgeary@thehealyfoundation.org

Foodland hopes to support local farmers by purchasing the supply of food produced until the demand resumes and/or by facilitating food distribution. The goal is to minimize the need to import food. To add any products you may have available, please complete this short form here or contact Foodland at (808) 732-0791. Please note that completing this form does not guarantee market access.

SBA Express Bridge Loans are for small businesses who already have a relationship with an SBA Express Lender to meet urgent cash needs while waiting for EIDL disbursement. Businesses can access up to $25,000 with less paperwork and a loan term of up to 7 years. Businesses must have: •Less than 500 employees •Been in operation as of 3/13/2020 •Adverseley iimpacted by coronavirus •Have a pre-existing relationship with a lender that offers EIDL loans as of 3/13/2020 For more information, click here, here, or here.

Hawaii Food Producers Fund offers 0% interest loans up to $10,000 to Hawaii food producers (Hawaii-based farmers and food processors with at least one Hawaii-grown ingredient) through Kiva. Money may be used for any business purpose. Terms: Applicants can receive 50% of the loan from the Hawaii Food Producers Fund. Loans may be repaid in three years in weekly/monthly PayPal installments with grace periods of up to 6 months for farmers. No collateral is required. Note: Applicants must invite an initial pool of lenders from their own network that must lend as little as $25 each. The application requires a photo, personal story, and business description. Kiva has a 100% funding success rate for Hawaii entrepreneurs. To see successfully funded recipients of the Hawaii Food Producers Fund, click here.To start your application, click here. For questions, contact: Eric Bowman Email: ebowman@kohalacenter.org Phone: (808) 887-6411

If you have an oversupply of product, HDOA is able to purchase bulk amounts of product for a conservative price. For inquiries, please email: Nicole Pfeffer Email: nicole.y.pfeffer@hawaii.gov Phone: (808) 973-9573 HDOA Economic Development Specialist Include available pounds, frequency of availability, quality (off-grade, for instance), and selling price per pound/unit.

FEMA Public Assistance Programs reimburse eligible applicants for costs associated with emergency protective measures in response to the COVID-19 pandemic. Note: FEMA assistance will be provided at 75% federal cost share. To learn more about the specific projects asnd activities funded under FEMA, click here. To apply, fill out the application here. Deadline: Program will remain open for the duration of the Public Health Emergency as declared by the Secretary of Health and Human Services.

COVID-19 has caused coffee sales to slow or halt for many businesses. SHAC has been in conversation with USDA to facilitate purchases of Hawaiian-grown products for government use. If you have roasted coffee that you would like to make eligible for USDA purchase, please contact: suzanne@shachawaii.org Include the total quantity you would like to make available, and the requested price. Also include the format (bag, pods, commercial packs). All information will be kept confidential.

SBA offers numerous other loans. See below for summaries of each: •7(a) Program -up to $5M through lending partners for small businesses -money for working capital, expansion/renovation, new construction, etc. •Express Loan program -up to $350,000 for up to 7 years with an option to resolve -36 hour approval/denial turnaround time •Community Advantage Loan Pilot Program -mission-based lenders can assist small businesses in underserved markets through loans up to $250,000 •504 Loan Program -for economic development and job creation/retention -can only use funds for acquiring or refinancing fixed assets •Microloans -up to $50,000 (average size is $14,000) loans through nonprofit lending organizations to underserved markets -money can be used for working capital, supplies, machinery and equipment, fixtures For more information on each of these programs, click here. For an overview of SBA financing options, see page 32 of this document.

Small businesses can receive loans up to $25,000 from both the HDOA and the HDBEDT. For more information, click here or here. To learn more about CBEDT, click here. For any questions, please contact: Wayne Thom Email: wayne.k.thom@Hawaiʻi.gov CBEDT Program Hawaiʻi Department of Business Economic Development and Tourism

The Federal Reserve Main Street Lending Program is offered by the Federal Reserve to help banks give money more freely to businesses in need maintain payroll and retain workers through this pandemi cby purchasing a large portion of loans from banks. This program is available to any business that have less than 15,000 employees and/or annual revenues under $5 billion. For additional eligibility requirements and more information, see here. To apply, contact your local lender.

The Opportunity Fund is a US-based nonprofit organization that provides financing and microloans from $2,600 to $250,000 to underserved small-business owners. For more information, click here. To inquire about financing options, call 1-888-720-3215, Monday through Friday, 8 am – 6 pm PT.

This grants program is in its first year of existence and is comprised of two projects: Planning Projects Applicants can receive up to $200,000 per single program year or up to $500,000 over three years for planning projects. Planning projects initiate or expand efforts of urban agriculture, including agriculture assessments, the development of business plans and feasibility studies, support for municipal planning, and program development and implementation of agriculture and innovative production in schools. Implementation Projects Applicants can receive up to $100,000 per single program year or up to $300,000 over three years for implementation projects. Implementation projects can increase food production in small urban and indoor spaces, operate community gardens, provide hands-on training in farming, meet specific food and agricultural needs, and provide schools with resources to grow and consume nutritious food and pursue careers in agriculture. Projects should target one or more urban areas, suburbs, or urban clusters where access to fresh foods is limited or unavailable. Projects should include one or more partner organizations to achieve project goals within the target areas. Nonprofits, local governments, and schools that serve any of the grades K-12 are eligible to apply. To view the slides from an informative webinar, click here. To view the full program announcement, click here. For more information and to apply, click here. Deadline: July 6, 2020

Kahiau Rural Business Development Microloan Program offers technical assistance and $2,000-$15,000 in low interest loans for businesses to help them develop and build a network. Businesses must: (1) Be new/existing on Hawaii Island or Molokai (2) Have a Native Hawaiian or kama`āina (born and raise in Hawaii) owner/operator (3) Reflect at least one of three values: -Strengthening Hawaiian culture -Building community -Ennhancing the health of the natural environment Terms: Loans are provided at a 2% interest rate. Funds should be used to contribute to business viability/growth. Notes: Pre-loan technical assistance is available to help with the loan application process, financial record keeping, credit issues, and business planning. Ongoing monthly technical assistance is also available to help with tasks such as quarterly financial statements. For more information, click here. How to Apply: Access the intake form here, and email the completed form to info@kohalacenter.org. Deadline: until funds are depleted For questions, contact: info@kohalacenter.org or call at (808) 887-6411

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323

The Community Facilities Direct Loan and Grant Program aims to develop essential community facilities in rural areas. Community-based non-profit corporations and public bodies may apply. Examples of agricultural-related projects are community gardens, food pantries, community kitchens, food banks, food hubs, and greenhouses. Note: Rural areas must have less than 20,000 residents. Eligible bodies can an apply for low interest direct loans, grants, or a combination of both. For specific information and funding priorities, click here. If interested, contact: Brenda Iokepa-Moses Hawaii State Director USDA Rural Development Phone: (808) 933-8305

This program provides up to $250,000 grants for non-profits to increase the number of military veterans gaining knowledge and skills through comprehensive, hands-on and immersive model farm and ranch programs offered regionally that lead to successful careers in the food and agricultural sector. To learn more and apply, click here. For more information, contact: Brent Elrod richard.elrod@usda.gov (816) 926-2535 National Program Leader Division of Family & Consumer Services USDA National Institute of Food and Agriculture Deadline: 6/26/2020

The Foreign Market Development Cooperator Program provides funding for projects up to 3 years long that contribute to the effective creation, expansion, or maintenance of foreign markets. Applicants need to have a clear, long–term agricultural trade strategy, have the broadest producer representation and affiliated industry participation of the commodity being promoted, and include an effective program time line against which results can be measured at specific intervals using quantifiable product or country goals. Applicants must be nonprofit U.S. agricultural trade organizations that promote the exports of one or more U.S. agricultural commodities and must not have a business interest in or receive compensation from specific sales of agricultural commodities. For more information and to apply, click here. Deadline: 6/26/2020

The Momentum Fund provides up to $100,000 grants to 501(c)(3) organizations that are managing active COVID-19 funds so these organizations can grow, promote, manage, and sustain their funds. Grants will be given to organizations that serve communities and populations whose health and/or financial situations have been most severely impacted by COVID-19. Note: Applicants must have an active COVID-19 fund of at least $50,000, either pledged, committed, and/or spent that provides funds to other 501(c)(3) organizations. For questions, email: information@momentumfund.org For more information and FAQs, click here. To apply, click here. Deadline: June 18, 2020

The SBA offers export assistance for small businesses that export overseas either directly or indirectly by selling to an intermediary. See below for summaries of their export assistance programs: •Export express loan program Provides up to $500,000 for quick access to capital. Businesses can apply for line of credit/term note before finalizing export sales. •Export working capital program Provides revolving lines of credit or transaction-based financing of up to $5M so businesses can offer attractive payment terms to customers, fulfill export orders, and finance international sales. •International trade loan program To help small businesses engage in International trade, expand trade locations, or re-shore operations back to the US. For more information about each of these programs, click here.

Mosaic offers rapid response grants up to $10,000 to nonprofit grassroots organizations whose aim is to protect the environment or pursue environmental justice. Funds can be used for tools and technology, training, and related resources. Note: Applicants must have an annual budget below $500,000 and be accountable to local constituents. For more information, click here. To complete a brief application, click here. For any questions, email: info@mosaicmomentum.org Deadline: The third round deadline is July 2.

Hawaii Community Foundation hopes to support projects that improve agricultural water use efficiency and provide measurable benefits to the state. Grants up to $50,000 are available for one-year projects, and grants up to $100,000 are available for two-year projects. There are two types of projects they will fund: 1) Water efficiency projects, for the installation of equipment to improve irrigation efficiency/potable water conservation. 2) Water management projects, for the development of a water conservation program/plan or water conservation education program for farmers or agricultural water managers. Nonprofits, state and county governments, public and private agricultural parks, and colleges and universities in Hawaii are eligible to apply. To learn more about the project criteria, preferences, and application instructions, click here. For more information about the Fresh Water Initiative, click here. For questions about this program, contact: Dana Okano Email: dokano@hcf-hawaii.org Phone: (808) 566-5541 Deadline: June 30, 2020

The B&I Loan Guarantee Program provides working capital to prevent, prepare, or respond to the effects the coronavirus. They may be used to support rural businesses, including agricultural producers, that were in operation on 2/15/2020. B&I loan guarantees aim to help businesses and employment in rural areas by strengthening the private credit market through federal guarantees on business loans, helping businesses receive loans that they might not be able to qualify for through USDA FSA loans or otherwise. Projects that receive loan guarantees must provide employment and improve the economic or environmental climate. Terms: •The maximum B&I loan guarantee is 90% for all CARES Act funded loans. •The guarantee fee is 2%. •Appraisals must be completed within two years of the date of application. •Discounting of collateral for working capital loans is not required. •The maximum term for these working capital loans are 10 years. •The loans must be used for working capital. •Federal or state-chartered banks, savings and loans, farm credit banks, and credit unions may apply. For more information, click here. To access a webinar with an overview of program requirements on June 3 at 8:00am Hawaii Time, click here. To apply, work with your commercial lenders to develop a loan package that can be submitted to your local USDA Rural Development state office. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

SBA offers up to $5M loans to help small businesses enter and expand into international markets and make investments to compete with import competition. Terms: •Maturities on the working capital portion of the loan are up to10 years. •Maturities on equipment are up to 10 years, unless the useful life exceed 10 years. •Maturities on any real estate portions of the loan are up to 25 years. •Interest rates are between 2.25-2.75% above the prime rate. •Applicants must meet the same eligibility requirements as SBA’s standard 7(a) Loan Program. For more information, click here. To apply, contact an SBA-participating lender. Your lender can submit the SBA Form 4 (Application for Business Loan) to the SBA.

Grants and loans available to public agencies and private nonprofit organizations to prevent, prepare, and respond to COVID-19 impacts with emphasis on public health, housing, economic recovery, and the needs of low- and moderate-income persons. For more information, click here. To access the application, click here for page 1 and here for page 2. Questions: Call (808) 661-8379 Email ohcdcdbg@hawaiicounty.gov

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Stimulus 2020 offers businesses $1,000 to use for any purpose. These funds can be used for any purpose, and doesn’t have any interest or fees. The money can be repaid in $100 increments per week or 10% of weekly sales if total sales is less than $1000. Any business with a verifiable business bank account is eligible. For more information and instructions on how to sign-up, click here.

Farm Service Agency has a wide range of loan programs including: •Direct Operating Loans •Direct Farm Ownership Loans •Minority and Women Farmers and Rachers •Emergency Loans •Microloans Note: FSA has relaxed some of their application guidelines due to the coronavirus. See here for more information. For more information about each of these programs and to apply, click here.

The Office of Hawaiian Affairs offers $2,500-$100,000 loans with a 4% APR and up to a 7-year term. Loans can be used for working capital or to establish or build upon a small business. Applicants must be of Native Hawaiian ancestry, State of Hawaii residents, have a credit score of 600 or greater, and be US citizens. Businesses must have an income-to-debt ratio of 45% or less, and must be registered and in good standing with DCCA. For more information and to access required documents, click here.

Farmers with USDA farm loans who have been affected by COVID-19 can have their next payment set aside. The set-aside payment’s due date would be moved to the final maturity date of the loan or extended up to 12 months (for annual operating loans). To discuss/request a loan payment set-aside, call or email your local FSA county office. A directory can be found here. Note: •Principal set-asides will continue to accrue interest until repaid. •If you have suffered from a prior designated disaster and have already had a payment set aside, you may be eligible to have a second payment set aside. •FSA direct loan borrowers should receive a letter with all relevant details. •USDA has announced additional farm loan, commodity loan, and crop insurance flexibilities. To view these announcements, click here. •For a basic introduction into FSA loans, click here.

The Rural Economic Development Loan and Grant program provides funding for rural projects through local utility organizations. USDA provides zero-interest loans to local utilities which they, in turn, pass through to local businesses (ultimate recipients) for projects that will create and retain employment in rural areas. The ultimate recipients repay the lending utility directly. The utility then is responsible for repayment to USDA. USDA provides grants to local utility organizations which use the funding to establish Revolving Loan Funds (RLF). Loans are made from the revolving loan funds to projects that will create or retain rural jobs. When the revolving loan fund is terminated, the grant is repaid to USDA. Former Rural Utilities Service borrowers who borrowed, repaid or pre-paid an insured, direct or guaranteed loan, nonprofit utilities that are eligible to receive assistance from the Rural Development Electric or Telecommunication Programs, and current Rural Development Electric or Telecommunication Programs borrowers may apply. Applications are accepted year-round. For more information, click here. To apply, work with your USDA Rural Development Office. Brenda Iokepa-Moses State Director (808) 933-8305

The Hua Kanu Business Loan Program provides $200,000-$1,000,000 loans to Native Hawaiian-owned businesses. The loan has a 7-year term at 4% APR. The loan may be used for working capital or to purchase equipment or inventory. For more information, required documents, and a loan calculator, click here. To inquire about a Hua Kanu loan, please contact them at (808) 594-1924, NHRLF@ohaloanfund.org, or contact your OHA neighbor island office.

This community-sourced document lists food needs and resources throughout the state in an effort to connect those looking for food with those who are looking to sell. To view this resource, click here.

Financial counseling and loans up to $2,500 for individual workers and $5,000 for self-employed persons will be provided to asset limited, income constrained, employed residents who reside on Hawaii Island and have lost income due to COVID-19. For more information, click here. To apply, click here. To request a paper application or complete an application over the phone, call (808) 934-0801.

As of May 4, 2020, the USDA announced It will purchase $470 M in food during the third quarter of the 2020 fiscal year and distribute it to those in need through CSFP, TEFAP, and USDA Foods in Schools. AMS will begin issuing solicitations in June and intends to begin deliveries in July. AMS also purchases a variety of domestically produced and processed commodity food products through the AMS Commodity Procurement Program. To see specific purchase amounts for each program, click here. AMS will purchase a variety of fruits, vegetables, meat, dairy, and seafood products under this additional $470M. To see if the your products are included, click here. In order to participate in this program, you must be an approved USDA vendor. To learn more about becoming an approved vendor, click here. To see requirements for USDA product consideration, see here. For any questions, please contact your commodity procurement division (organized by product). To access this directory, click here.

Hawaii Seed Growers Network is looking for seed growers in Hawaii. If you are interested, contact nancyredfeather@hawaii.rr.com or contact them here.

The Kauai Senior Farmers’ Market Nutrition Program (SFMNP) provides low income seniors with eligible produce while supporting local farmers. Participants can fill out an application and receive a $5 voucher booklet for $50 of produce. The SFMNP accepts produce that is at least 55% locally grown. The SFMNP started on April 1 but farmers are able to apply past this date. To find out more about becoming a participating farmer, click here. For any questions, contact: Jared Kawatani Phone: (808) 954-7877

Malama Virtual Farmers Market provides free deliveries of local produce and products. Customers can shop 7 days a week, 24 hours a day and can purchase produce, baked goods, chocolate, meat and seafood. To learn more, click here. If you are interested in selling your local produce or locally-made items, contact: John Genovese Phone: (808) 639-1980 Email: info@malamaauctions.com

Nani Moon Mead is a honey wine company in Kauai looking for lemongrass, kefir lime, kumquat, buddhas hand, calamansi. If interested, please email: nanimoonmeadinfo@gmail.com

Giving Kauai Hope is offering to make custom shirts for small businesses to promote sell. Businesses will receive $10 for every t-shirt sold. To create a custom t-shirt, send them your logo and apply through this link. To see an example of a custom made t-shirt, click here.

Nourish Hanalei is looking to purchase apple bananas. We buy year round, and pay upon delivery in Princeville. Minimum purchase 50 lb. Looking forward to meeting you! If interested, email nourishhanalei@gmail.com Kauai Juice Co. is seeking red jalapeno peppers in bulk. If interested, please contact Kyle at kyle@kauaijuiceco.com or 979-578-1903. Email is preferred.

In May and June, 6,400 locally-produced Farm-to-School CSA boxes will be distributed by Malama Kauai through drive-thru programs at Kauai schools for families in need, thanks to funding from the USDA’s Farmers to Families Food Box Program. MK will be purchasing over $200,000 of mixed veggies and fruits, as well as 4 oz. cheese tubs from local producers. Extended deadline! Farmers may submit bids on an ongoing basis as long as opportunities remain available. Please call Robyn with questions at (808) 828-0685 x10 or grants@malamakauai.org.

Try Eat Hawaii provides an online marketplace for growers to display their products. Customers can access this platform and make transactions directly with farmers. To register as a grower, click here.

Hawaii Island’s Bridges Program uses public/private partnerships to strengthen local agriculture production by purchasing locally grown food and flowers and donating them to approved community organizations to distribute. Participants in this program do not have to be HFB members. To learn more, click here. If interested in participating, fill out this short form here.

Da Box is a community supported agriculture program that purchases local produce to sell to customers island-wide. To learn more, click here. Da Box is not currently accepting new customer sign-ups but interested customers may call (808) 933-6030 to be placed on a wait list.

The Farm Product Purchase Program purchases produce and meats from commercial farmers and livestock producers to distribute to families in need through The Food Basket and other channels. HFB membership is not required to participate. Value added products are not eligible for the Farm Product Purchase Program at this time. For more information, click here. If interested in applying, fill out the application here and email it to kaiwiki.1970@gmail.com. You should receive an email confirmation.

Local Inside provides weekly/bi-weekly deliveries of fruits and vegetables from Oahu farms, as well as honey, condiments, butters, and jellies. To learn more, see here.

Hawaii Farm Bureau offers a drive-thru farmer’s market every Wednesday, Thursday, and Saturday in order to provide fresh, locally-grown produce to customers while supporting hard-working farmers. Customers can order produce online and pick it up at Blaisdell or Windward Mall. For more information, click here. While some farmers’ markets are closed, there is still an opportunity for farmers and ranchers to sell directly to consumers. Contact (808) 848-2074 or apply here.

Farm Link is an online local food marketplace and delivery network based on O‘ahu. Customers can purchase products online and have them delivered to them. To learn more, click here. For further information, contact: info@farmlinkhawaii.com (808) 201-5252

HAF recently added farms and farm-related resources to its free marketing Food-A-Go-Go platform on May 7, 2020. With many farmers’markets initially closed there is no up-to-date information on where to buy local produce. Farmers, especially the smaller producers, are vulnerable with the loss of wholesale distribution to the hotels and closure of farmers’ markets. Many farmers have started their own CSA programs and are selling direct to the consumer. In addition, new CSAs are popping up and offering local produce boxes. With a lack of information on where to buy local produce, Food-A-Go-Go Farms helps consumers find local produce and producers. The platform includes local farmers, CSA providers, and local producers in two categories: Local Inside® for value-added products made with locally grown, caught or raised ingredients and Aloha Inside® for any food product made locally in Hawai‘i. To be included on this directory, fill out the form here.

The Community Food Projects Competitive Grants Programoffers a $35,000-$400,000 grant to fund: (1) community food projects to support the development of community-based food projects (2) planning projects in order to improve community food security Note: A 100% match is required. For more information, click here. To view specific eligibility requirements and apply, click here. Deadline June 3, 2020 For more questions, contact: Paul Cotton Email: paul.cotton@usda.gov Phone: (816) 926-1608 Division Director of the Division of Nutrition

The Star Advertiser has created a Hawaii business directory to keep the community informed about businesses' operating status during this pandemic. To see the current directory, click here. To be added to this directory, fill out the following form here.

This program aims to improve access to clean, reliable water and waste disposal systems for households and rural businesses. These loans can be used for projects relating to drinking water, sewers, waste disposal, storm water disposal, etc. Nonprofit organizations and state and local governmental entities can apply. To learn more, click here. To apply, ask your private lender if they participate in USDA loan guarantee programs or contact: Hawaii and Western Pacific State Office USDA Rural Development Phone: (808) 933-8380

HCRC Emergency Loan Program (HELP) provides short-term bridge loans and term loans between $15,000-$100,000 to non-profits and mission aligned small businesses that are otherwise unable to secure financing but have an immediate need for capital. Funds can be used for payroll, rent, mortgage interest, utilities and other operating expenses to allow the organizations to stay open. Note: Organizations have to have annual revenue of at least $100,000 Priority is given to organizations that have applied for PPP or EIDL but have been declined or are waiting for a response. Terms: •6-month bridge loan that converts to a 42-month term loan for a total of 48 months •3% fixed interest rate for the 6-month bridge loan period and 5% fixed interest rate for the 42-month loan period •For profit businesses have to have all individuals with a 20% ownership interest in the organization provide a personal guarantee. •Non-profits don’t have to provide a personal guarantee if their board of directors is comprised of a majority of independent voting directors. •Need 2 years of historical financial statements or tax returns and cash flow protection (can be simple or complex) For more information about eligibility and to apply, click here. For an overview of the program, click here. For further questions, Chelsea Schull LISC-HCRC Hawaii Program Officer help@hcrchawaii.com

The Agriculture Leadership Foundation of Hawaii is collecting information on farms that are offering products through online ordering, delivery service, and direct pick-up. This operating information will be shared with the public. To add your business and update your operating status, click here.

The Rural Development Guaranteed Loan Program allows guaranteed lenders to approve and make covered loans with 180-day loan payment deferrals until September 30, 2020, without agency approval as long as they notify USDA Rural Development in writing. Terms: Loan guarantees are provided to businesses in rural areas only (population less than 50,000 in project location). Loan terms and loan guarantee percentages vary depending on what the money is used for. Interest rates will be negotiated between the lender and borrower. There is a 3% initial guarantee fee. Note: For-profit businesses, nonprofits, and cooperatives can apply. This flexibility applies to: •Business and Industry Loan Guarantees •Rural Energy for America Program Loan Guarantees •Community Facilities Loan Guarantees •Water and Waste Disposal Loan Guarantees For more information, click here. For more specific loan terms, click here. To apply, contact: Denise M. Salmeron Hawaii & Western Pacific Business & Cooperative Programs Director USDA Rural Development Phone: (808) 933-8323 Deadline: 9/30/2020

Farm Business Management and Benchmarking Competitive Grants Program offers $100,000-$500,000 grants to improve farm management knowledge and skills of agricultural producers through maintaining and expanding a national, publicly available farm financial management database to support improved farm management. Note: There are no. cost sharing/matching requirements. To learn more, click here. To apply, click here. Deadline: June 5, 2020 Questions: Brent Elrod National Program Leader Division of Family & Consumer Services Richard.elrod@usda.gov (816) 926-2535

Honolulu Small Business Relief Fund The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. UPDATE! AS OF JUNE 16: Small Farm Relief Fund This Relief Fund is part of the Small business Relief and Recovery Fund. They have removed some of the barriers farmers had with eligibility. If you did not qualify before you may qualify now! This fund is available to farms with $2 M or less in annual revenue and have 50 or fewer employees, and provides up to $10,000 in expense reimbursement to qualified businesses. Please provide: • A copy of TMK/lease of the land • Current land dedication for agricultural use (sent to plai@honolulu.gov or jokuhama@cbllending.com) Notes: • When the application asks you to provide a “detailed description of business products/services provided,” make sure to use one of the following key words: “agriculture, farming, vegetables, flowers, ornamentals, aquaponic, hydroponic, or livestock.” This way, credit unions will be able to expedite the review process. Please see here for more information and translated resources in Chinese, Japanese, and Filipino. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

The City and County of Honolulu will make grants to small businesses of up to $10,000 for purposes of paying rent, overhead and utilities, as well as costs for necessary COVID-19 modifications. Eligibility requirements include: •Operating in the City and County of Honolulu •Operating from a commercial address- they can’t operate from a house •30 or fewer employees •Annual revenues of less than $1 million •Other eligibility requirements may apply Applications will be evaluated by a group of 4 credit unions, who will disburse the grants to approved businesses. Credit union membership is not required. The partner Credit Unions are: •Aloha Pacific Federal Credit Union •Hawaii State Federal Credit Union •Hawaii USA Federal Credit Union •Honolulu Federal Credit Union For more information and to apply, click here. For questions or assistance, call 768-CITY or email covidresponse@honolulu.gov.

Poise is awarding 20 $15,000 grants to women-owned businesses to bounce back from COVID-19. Preference is given to businesses that challenge societal norms/stigmas or have a strong connection to moms/motherhood, demonstrate a passion for female empowerment, have a demonstrated need due to COVID-19, and display energy, enthusiasm, creativity, and passion for the business. To apply, click here. For more information, click here. Deadline: June 30, 2020

The Agricultural Management Assistance Program provides cost share assistance to agricultural producers to address issues such as water management, water quality, and erosion control. For more details, click here. To apply, contact your local USDA service center. contact local USDA service center. Directories can be found here.

The Entrepreneurial Dream Project provides $100,000 grants and/or mentorship to new businesses. Note: •Companies with products made publicly available in 2019 or later or companies who have not yet launched are eligible to apply. Companies must be pre-revenue or have gross annualized revenue under $2.5M. •Companies and founders must have an active website and social media account. For more information, click here. To apply, click here. Deadline: June 15, 2020 For further questions, email: EDP@supermaker.com

The Coronavirus Food Assistance Program provides direct support based on actual losses for agricultural producers with impacted prices and market supply chains. These funds can be used to support adjustment, additional marketing costs, and short-term oversupply. Farms of all sizes and markets that suffered losses are eligible to apply. For more information, click here. USDA will announce more details soon on how to apply.

The CLIF Bar Family Foundation provides small grants to 501(c)3 organizations that support one or more of the following objectives: •Protect earth’s beauty and bounty •Create a robust, healthy food system •Increase opportunities for outdoor activity •Reduce environmental health hazards •Build stronger communities Applicants’ most recent 990 and P&L for the current year and last year are required for general support. A detailed budget including income and expense is also required for specific project requests. To find out if you are eligible, take this short eligibility quiz here. For more information, click here. To apply, click here. Deadline: October 1, 2020

Immigrants Rising’s Entrepreneurship Fund provides up to $2,000 grants to undocumented entrepreneurs working to create positive social change. Grantees will be offered support and guidance from professional advisors, join a national network of undocumented freelancers and entrepreneurs, and get social media exposure for their projects. Projects must create positive social change and must be designed and led by undocumented young people. Applications are accepted on a rolling basis and reviewed every month. For more information, click here. To apply, click here.

A total of $250,000 in grants will be awarded to eighteen entrepreneurs. Awards will be granted based on demonstrated need and proposed use of funds. For-profit businesses may apply. Preference is given to companies that have launched and need support to scale. If applicants make it to the semi-finalist round, they will have to create a pitch video. For more information, click here. To apply, click here. Deadline: July 16, 2020

Popup Makeke is an online marketplace where consumers can access local products, including value-added agricultural products. While they are not currently accepting applications for new vendors, if you sign up for their email list, you will be alerted of any new opportunities. To sign up for their email list, visit this page and scroll to the bottom to subscribe here.

The County of Hawaii is requesting grant proposals for the 2020-2021 fiscal year for projects that aim to support economic recovery and innovation from COVID-19 in the economic development, tourism, agriculture, creative economy, energy, and sustainable development sectors. Note: Proposals must be sealed and physically delivered. Please see here for the delivery locations. For more information and to see previous grant award lists and forms, click here. To view the RFP, click here. To access FAQs, click here. Deadline: June 22, 2020

GoFundMe will give $500 to businesses that raise at least $500 on their platform. This fund will continue until funds are depleted.The relief fund has been in operation since March so it is important to launch a crowdfunding campaign as soon as possible if you would like to participate. What is crowdfunding? Crowdfunding is a type of fundraising where organizations can ask the public for support. It begins with businesses sharing their stories and asking their audience to donate or invest in their business. Eligibility To be eligible for this opportunity, businesses have to: 1) be independently owned and operated 2) be negatively impacted by a government mandate due to COVID-19 3) not be nationally dominant in their field of operation 4) use these funds to care for their employees/workers or pay ongoing business expenses 5) have no fraud reports against them To access FAQs, click here. To participate in this opportunity, sign up for GoFundMe, start a fundraiser, add the hashtag #SmallBusinessRelief to your story, and fill out this short form. Once you raise $500, GoFundMe should automatically issue this additional $500 to the associated bank account.

The Rural Business Development Grant provides technical assistance and training for small rural businesses with fewer than 50 new workers and less than $1M in gross revenue. There is no maximum grant amount. There are two types of grants: enterprise grants and opportunity grants. To see examples of both enterprise and opportunity grants, click here. For more information, click here. For questions, contact: Brenda Iokepa-Moses State Director Phone: (808) 933-8305

Community nonprofit organizations can receive up to $500,000 grants towards disaster relief, recovery, mitigation, and remediation assistance for physical damages or losses from the Kilauea eruption. To access the application, click here. For more information, click here. Questions: Patti Pinto Recovery Assistant Phone: 961-8500 Email: patti.pinto@hawaiicounty.gov

Webmaster Services Hawaii is offering to add a free alert to your business website to keep customers informed about your operating status. Click here to visit their website. If interested, please contact: gwells@webmasterserviceshawaii.com

Online Business Development Services will develop a Shopify website for your organization within 1-2 days for $100 ($150 for a website and Facebook page) so customers can order online, pay in advance, and pick up directly. They can also create social media pages on Instagram or Google My Business. They are willing to accept products as payment if needed. Shopify is an e-commerce platform that costs $29/month. For more information, see here. If interested, contact: Regina L. Floyd Email: reginafloyd@gmail.com (with subject line "Farmers Market Website") Phone: (808) 742-8424

SBA documents have been translated in multiple languages. Please find them here.

Grants.gov is the portal through which organizations apply for federal funding opportunities. A majority of federal funding opportunities are posted on grants.gov; thus, it is imperative that grant seekers maintain an up-to-date understanding of this portal. Grants.gov’s community blog provides tips for writing grant proposals and common eligibility and policy definitions referenced in the grants.gov website. To access the grants.gov community blog, click here. Grants.gov also holds financial management training seminars, grant management boot camps, and other events. Though there are no upcoming events in Hawaii, many of the existing events have changed to virtual formats, so Hawaii agriculturalists may be able to access these events online. To see a list of upcoming events, click here.

Nonprofitready.org is a free online learning library with articles and lessons on a multitude of different topics ranging from grant seeking to digital marketing. This resource is open to anyone, not just nonprofits, and provides short training modules on how to find, write, and acquire grants. To sign up for a free account, click here.

Google offers up to $10,000 of in-kind advertising on Google Search every month for nonprofits to create text ads. 1) First, your organization must apply to Google for Nonprofits, a G Suite made specifically for nonprofits. To request a Google for Nonprofits account, click here. 2) You must also have a high-quality website that meets these guidelines. 3) Finally, you must fill out an eligibility form and submit your activation for review. For complete instructions on how to do this, click here. To learn more about Google Ad Grants, click here.

Pacific Media Group has created a $2M marketing fund for Hawaii businesses to help local businesses connect with consumers with goods and services during COVID-19. To apply, click here.

Pacific Community Ventures offers free and confidential mentoring services to small business owners by matching organizations with pro-bono business coaches and mentors. Companies that have worked with these mentors have increased their annual revenue by an average of 20%. To create your account and sign up, click here.

Alderspring Ranch in Idaho provides a free five-day mini course designed for farmers and ranchers with frozen products to teach them how to deliver directly and sell through online storefronts. To sign up, click here.

NRCS is able to partially cover the cost of disposing livestock due to the impacts of the coronavirus and other emergency animal mortality events. Swine, livestock, and poultry are all eligible. Note: •An application and approved early start waiver must be filed with NRCS before animal carcasses are disposed of. •Producers must also have FSA farm records. For more information and to view payment rates, click here. To apply, contact your local USDA service center. Contact information by county can be found here.

Hawaii Alliance of Nonprofit Organizations offers free technical assistance to the first 300 nonprofits requesting SBA loan assistance. To request assistance, contact one of the following seasoned consultants here.