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Help for Businesses and Non-Profits

We understand the large reaching impact the COVID-19 pandemic is having on our many small businesses and non-profits. As federal and state resources become available, know that we will work to communicate them to you.

Below are valuable resources that offer help to those impacted.


Michigan Economic Development Corporation

Michigan’s small businesses negatively impacted by the COVID-19 virus can now apply for the Michigan Small Business Relief Program. The program will provide grants and loans to provide economic assistance to Michigan’s small businesses. Grants will be administered by local and nonprofit economic development organizations (EDOs) around Michigan.

MEDC Resources


West Michigan COVID-19 Coalition

Leaders from Experience Grand Rapids, the Grand Rapids Chamber and The Right Place, Inc. convened the coalition aimed at making critical information more accessible to all area businesses and their employees. This website includes information on:

  • Legislation
  • Best Practices
  • Business Continuity
  • Organizations that can help
  • Employee Resources

West Michigan COVID-19 Business


SBA Economic Injury Disaster Loan (EIDL)

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan. The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.

Apply for SBA Economic Disaster Loan


Paycheck Protection Loan Guide and Checklist

The Paycheck Protection Program provides small businesses with funds to pay payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities. Starting April 3, 2020, small businesses and sole proprietorships can apply.

Fully Forgiven Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.

Learn more about the Payment Protection Program at the US Department of Treasury website:


How to I apply for a Paycheck Protection loan with ChoiceOne Bank?

We are currently building out our online application process for ChoiceOne Bank business customers and will notify you when it is ready for applications. All applications for a Paycheck Protection Loan will need to be made using our online application and must contain all the required documents to be processed.

Update 4/3: Due to demand, we are only accepting applications from current ChoiceOne Bank Business customers, other applications will be placed on a waiting list.

To be alerted when the ChoiceOne Bank application is ready, please speak with your banker.

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What You Will Need Close Warning

Applying is fast and easy. Here’s what you’ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver’s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.