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Our Community
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- Our Community About Florence City Newsletter News & Recognition Events & Activities City Calendar Florence Events Center Calendar Chamber Calendar RiverCal Siuslaw Library Calendar Schools Siuslaw School District Lane Community College
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- Doing Business
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Welcome Visitors
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- About Florence Community Amenities Airport Florence Events Center Library Parks & Trails Directory Public Art Senior Center
- Eat, Shop, Stay & Play Florence Area Chamber of Commerce Move Your Business
- Events & Activities City Calendar Siuslaw Library Calendar Chamber Calendar Florence Events Center Calendar
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Inside City Hall
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- City Council City Services A-Z Commissions and Committees City Projects Directory Agendas and Minutes Florence News ADA Facility Code of Conduct
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Helpful Resources
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- Apply for a Job Apply for a Board or Committee Contact the City Council Contact City Staff Check City Social Media Download Forms & Applications Find a City Code
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Financing Resources
- Small Business Loan Modifications and Forgiveness (Business Oregon)
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Loan modifications for direct loan programs administered by Business Oregon (Oregon Business Development Fund, Entrepreneurial Development Loan Fund, Oregon Royalty Fund) that defer payments and interest, with no fees.
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Loan modifications for the Business Oregon loan guarantee and loan loss reserve programs (Credit Enhancement Fund, Capital Access Program).
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Forgiveness of existing loans through Business Oregon to Community Development Financial Institutions (CDFIs), to strengthen the CDFIs' financial position and ability to continue small business lending.
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Business Oregon—the state's economic development agency—operates several direct loan and loan guarantee programs for small businesses.
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Entrepreneurial Development Loan Fund (EDLF) offers direct loans to help start-ups, micro-enterprises and small businesses expand or become established in Oregon.
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Oregon Business Development Fund (OBDF) provides direct loans that can be used for permanent working capital. Participants must create or retain jobs and must typically be a traded-sector business in manufacturing, processing or distribution.
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Oregon Royalty Fund (ORF) provides direct loans to help early stage (post R & D and prototyping), scalable, and high-margin small businesses obtain short-term working capital.
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Capital Access (CAP) provides a form of loan portfolio loss reserve so financial institutions may make business loans that carry higher than conventional risks while complying with federal and state banking regulations.
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Credit Enhancement Fund (CEF) provides loan guarantees to financial institutions in order to increase capital availability to small businesses.
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- Federal Reserve Main Street Program: The Federal Reserve has established a Main Street Lending Program to support lending to small- and medium-sized businesses that were in sound financial condition before the onset of the COVID-19 pandemic. The program will operate through three facilities
- Main Street New Loan Facility (MSNLF), term sheet
- Main Street Priority Loan Facility (MSPLF), term sheet
- Main Street Expanded Loan Facility (MSELF), term sheet
- Who can help me with this? To access the program, contact your bank/credit union and ask if they're participating in the program. There is no separate federal application, it is up to banks to offer the loan product, or not.
