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Arizona Fairs Association

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September 4, 2020 update – Here is some information that can benefit everyone in the Association – please review.

Arizona Commerce Authority

Financial Resources:

COVID-19 Grants/Programs

September 3, 2020

Below is a list of federal, statewide, county-level, and city-level grant/funding programs related to COVID-19. Each program listed is linked at the title of the specific program. If you have any questions about how to locate applications/more specifics regarding eligibility, please don’t hesitate to reach out to us.

As new avenues open up, and existing deadlines expire, we will send out an updated version of this list.

Federal Programs

  1. Paycheck Protection Program

Part of the CARES Act, the PPP provides small businesses and sole proprietorships cash flow assistance through 100% federally guaranteed loans. PPP is intended to encourage eligible employers to keep employees on their payroll, despite the economic hardship related to the COVID-19 pandemic.

Unfortunately, the PPP currently fails to cover 501 (c)4s, while it does cover 501 (c)3s.

CLICK HERE for an infographic with additional information about terms and eligibility.



  • Borrowers may defer principal and interest payments until the SBA compensates lenders for any forgiven amounts, instead of the previous six month deferral period. Borrowers must apply for loan forgiveness within 10 months of the end of the covered period.
  • Borrowers loan duration period is now five years (previously two years).


  • Loans may now be spent over a 24 week period (previously 8 weeks) following disbursement or through Dec. 31, 2020.
  • Employers may now spend only 60 percent of the loan proceeds on payroll costs instead of 75 percent, leaving 40 percent of the loan to non-payroll expenses such as mortgage interest, rent and covered utilities.

Loan Forgiveness:

Small businesses can have PPP loans fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities. On June 5, 2020 the Paycheck Protection Program Flexibility Act of 2020 was signed into law extending the benefits of the program which are outlined below.

Employers have until Dec. 31, 2020 to apply for loan forgiveness.

 Economic Injury Disaster Loan

The U.S. Small Business Administration’s (SBA) Economic Injury Disaster Loan (EIDL) provides economic relief to businesses that are currently experiencing temporary difficulties and loss of revenue. Under Governor Doug Ducey’s leadership, the SBA approved an Economic Injury Disaster Loan declaration for Arizona that will help small businesses in the state impacted by COVID-19. Additionally, small businesses are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000.

There is no minimum loan requirement, although loans are capped at $2,000,000 per business. EIDL may supplement a Paycheck Protection Program loan as long as the funds are not used for the same purpose. The loan repayment may be deferred for up to one year and repayment terms up to 30 years are available.


Funds may be used to meeting the capital needs of small businesses caused by the COVID-19 response. This includes:

  • Financial obligations
  • Operating costs
  • Fixed debt payments
  • Payroll
  • Account payable
  • Extraordinary expenses


Small businesses including:

  • Less than 500 employees
  • Independent contractors
  • Nonprofits 501(c)3
  • Veterans organizations 501(c)(19)
  • Tribal businesses
  • Agricultural businesses 18(b): production of food and fiber, ranching and raising of livestock, aquaculture, and all other farming and agricultural related industries
  1. Main Street Lending Program

Under the Federal Reserve Act and U.S. Treasury and Federal Reserve Board, the Main Street Lending Program consists of the Main Street New Loan Facility (MSNLF), the Main Street Priority Loan Facility (MSPLF) and the Main Street

Expanded Loan Facility (MSELF). Main Street loans are intended to facilitate lending to small and medium-sized businesses that are not eligible for the SBA Paycheck Protection Program. Principal and interest payments will be deferred for one year. The Main Street Lending Program loans are not eligible for loan forgiveness. A borrower may only participate in one of the loans under the Main Street Lending Program. This program specifically identifies 501 c (3)s as eligible organizations, but notes that other forms of organization may be considered for inclusion as a non-profit organization under the facility at the discretion of the Federal Reserve. 501 c (4)s may not be eligible through the regular process for these funds.

Main Street Lending Program Guidelines:

Who is an eligible borrower?

  • Up to 15,000 employees
  • Up to $5 billion in 2019 annual revenues
  • U.S.-based businesses

Who is an eligible lender?

  • U.S. insured depository institutions
  • U.S. bank holding companies
  • U.S. savings and loan holding companies

Main Street New Loan Facility

What are the loan terms?

  • 4 years
  • Minimum loan size: $250,000
  • Maximum loan size: up to $35 million or an amount that, when added to outstanding and undrawn available debt, does not exceed 4.0x adjusted 2019 EBITDA
  • 5 percent risk retention

Main Street Priority Loan Facility

What are the loan terms?

  • 4 years
  • Minimum loan size: $500,000
  • Maximum loan size: up to $25 million or an amount that, when added to outstanding and undrawn available debt, does not exceed 6.0x adjusted 2019 EBITDA
  • 15 percent risk retention

Main Street Expanded Loan Facility

What are the loan terms?

  • 4 years
  • Minimum loan size: $10,000,000
  • Maximum loan size: up to $200M, 35% of existing outstanding and undrawn available debt, or an amount that, when added to outstanding and undrawn available debt, does not exceed 6.0x adjusted 2019 EBITDA
  • 5 percent risk retention
  1. BBB Main St. Matters

BBB Serving the Pacific Southwest launched the Main St. Matters program to offer emergency grants in the form of $500 or $1,000 awards for businesses that have been financially impacted during the COVID-19 crisis. The grant is open to qualified small businesses that are in good standing with the BBB

Am I eligible?

  • Small businesses (small businesses w 5-20 employees are being prioritized at this time)
  • In good standing with BBB
  • Location in Apache, Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pinal, Yavapai, and Yuma Counties

The grant is open through the next four months.

  1. SBA Lender Match

The Small Business Association (SBA) works with lenders to provide loans to small businesses. The agency does not lend money directly to small business owners.  This system allows for competitive terms, counseling and education, and unique benefits.

Lenders found through the SBA Lender Match can assist with loans such as:

  • SBA 7(a) Loan – provides loans of up to $5M for borrowers who lack credit elsewhere.
  • SBA 504 Loan – provides loans of up to $5.5M to approved small businesses with long-term, fixed-rate financing used to acquire fixed assets for expansion or modernization.
  • SBA Microloans – provides loans up to $50,000 to help small businesses start up and expand
  1. SBA Express Bridge Loans

The Express Bridge Loan Pilot Program is for small businesses who already have a relationship with an SBA Express Lender to access up to $25,000. These loans are intended to help small businesses overcome the temporary loss of revenue and can be a term loan or used to bridge the gap while applying for a direct SBA Economic Injury Disaster Loan. If a small business has an urgent need for cash while waiting for a decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.


  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the EIDL loan

Statewide Programs

  1. Arizona Public Service Customer Support Fund

Arizona Public Service (APS) has set up a Customer Support Fund to assist customers who need help paying their APS bills. Small business and residential customers who are past due on their APS bill can qualify for the fund if they have an unexpected loss of income, higher medical or childcare expenses, or other financial hardship created by the COVID-19 virus.

To apply, call 602-371-7171 (800-253-9405), weekdays from 7 am to 7 pm.

  1. Growth Partners Arizona Small Business Success Loan

Small Business Success Loans are for small businesses that need to borrow larger loan amounts for growth and expansion, equipment, long-term working capital, tenant improvements and consolidation of more expensive debt. This loan ranges from $10,000 – $75,000 with terms from six months to five years.

Am I eligible?

  • Do business in Arizona (valid business license and be in good standing with the state of Arizona Office of the Corporation Commission.
  • Annual revenues in excess of $50,000
  • In business for at least two tax filing periods; no start-up businesses
  • Minimum FICO score of 660
  • Priority is given to businesses located in CDFI Investment Areas (see explanation below).

A CDFI Investment Area is defined as a geographic unit located within the US that meets at least one of the following criteria:

  • Has a population poverty rate of at least 20%;
  • Has an unemployment rate 1.5 times the national average;
  • For a metropolitan area has a median family income (MFI) at or below 80% of the greater of either the metropolitan or national metropolitan MFI;
  • Is wholly located within an Empowerment Zone or Enterprise Community; or
  • Has a county population loss greater than or equal to 10% between the two most recent census periods for Metro areas or five percent over last five years for non-metro areas.

Additional information on CDFIs can be found here: CDFIFUND.GOV

  1. Kiva Tucson Crowdfunding Loans

Kiva, a program of growth partners in Arizona, is helping during the COVID-19 crisis by providing loans up to $15,000 and a 6-month deferment. Kiva determines the loan amount based on many factors, including finances, social media presence, and quality of the narrative. Kiva loans can be used for many different business expenses. As Kiva’s local operating partner, Kiva Tucson works with borrowers throughout the application, fundraising, and repayment process to help them succeed. The program encourages lenders from the community to contribute to the Kiva Tucson Community Development Fund. Kiva’s unique community-backed model helps business owners access loans with the help of their communities.

Am I eligible?

  • Business is based in the U.S.
  • At least 18 years old
  • Debt to income ratio is lower than 80%
  • Not in current bankruptcy or foreclosure
  • Not a registered sex offender or terrorist
  • No violent or financial criminal convictions in the last five years
  • Must have a PayPal account to receive funds
  1. Chicanos Por La Causa Prestamos

The Chicanos por la causa Prestamos division, a Community Development Financial Institution (CFDI), is offering a microloan of up to $25,000 for payroll, rent and monthly liabilities. The first six payments will be paid (both principal and interest) directly by The SBA. The remaining balance will be amortized over a 6-12 month term based on repayment ability. There is a 3% loan origination fee and the interest rate for this loan is 6.5%.

County Programs

  1. Maricopa County Small Business Grant Program

Maricopa County is providing relief to small businesses and nonprofits with $23 million in federal CARES Act funding. The Small Business Relief Program will provide up to $10,000 in grants to reimburse businesses and nonprofits (501(c)3) for lost revenues during March and April.

Applications will be accepted from July 9 through July 31, 2020.

Am I eligible?

  • Must operate in Maricopa County (but not within Phoenix or Mesa) prior to Jan. 1, 2019
  • 25 employees or less
  • Less than $3 million in gross revenues
  • Must not have received a Paycheck Protection Program loan, Economic Injury Disaster Loan, SBA Express Bridge Loans or SBA Debt Relief
  1. PPEP Microbusiness & Housing Development Corporation (PMHDC)

PMHDC offers a range of microloans to small businesses in southern Arizona that reside in Yuma, Cochise, Santa Cruz, Pima, Pinal, Maricopa, Gila and Graham Counties. The loan amount is determined following a meeting with a business counselor and ranges from $500 to $75,000.

Am I eligible?

  • Existing and start-up businesses
  • Citizen of US or permanent resident status
  • No default on any federal loan
  • Never convicted of a fraud-related felony
  • Up to date on child support payments
  • 20% or more ownership must be an applicant
  1. Graham & Greenlee County Micro-Loan

The Graham & Greenlee County Micro-Loan program through the Local First Arizona, Freeport McMoran and the Graham & Greenlee County Leadership Cohort, offers loans to local businesses in the Graham and Greenlee Counties to help them stay competitive. Businesses may receive loans between $5,000 and $25,000.

Am I eligible?

Businesses and startups in all industries located in Graham County or Greenlee County can apply for loans.

  1. COVID-19 Community Support Grant

The Community Foundation for Southern Arizona’s COVID-19 Community Support Fund will provide grants to organizations in the range of $3,000-$20,000. Priority will be given to organizations that provide basic human needs and access to healthcare to disproportionately affected populations.

Am I eligible?

  • 501(c)(3)
  • Based in Pima County or Santa Cruz County
  • Local leadership such as a board of directors or advisory committee
  • Offer programs that directly benefit people living in Pima or Santa Cruz County

City Programs

  1. Choose Chandler Grant Program

The City of Chandler’s Economic Development Division, in partnership with the Industrial Development Authority, has initiated a “Choose Chandler” reimbursement grant program to assist small businesses with costs incurred from purchasing personal protective equipment (PPE). Grants will be between $100 and $500.

Am I eligible?

  • Private, for-profit
  • Located in Chandler city limits
  • 100 employees or fewer
  • Operated in Chandler since March 11, 2020
  1. Phoenix Small Business Relief Grants

The City of Phoenix and Phoenix IDA are offering small businesses grants for up to $10,000. The grant is intended to assist small business owners with payroll and other operating costs.

Am I eligible?

  • Must operate in the City of Phoenix prior to Jan. 1, 2019
  • 25 employees or less
  • Gross total sales declined by at least 25 percent as a result of COVID-19 in March and April 2020
  1. Mesa Cares Small Business Technical Assistance Program

The Mesa CARES Small Business Technical Assistance Program is a business assistance program made possible by the federal Coronavirus Relief Fund under the CARES Act. The program is intended to help Mesa-based businesses recover from the coronavirus pandemic, evaluate and react to necessary changes in the business environment, implement new policies, procedures and processes, stimulate new business, and strategize and plan for the future of their companies.

Am I eligible?

  • For-profit and nonprofit businesses
  • Located in Mesa
  • Suffered negative impacts and business interruption due to statewide business closures

Applications are open now.

  1. Phoenix Microbusiness Resiliency Grant

The City of Phoenix is offering grants up to $5,000 to local microbusinesses, solo practitioners and entrepreneurs experiencing economic distress due to COVID-19. Microbusiness owners, solo practitioners, entrepreneurs, independent operators, and startups are eligible, even when the business is home-based, or its workplace is inside another business, such as a booth rental in a hair salon, or in a coworking space.
Am I eligible?

  • Operate a physical or mobile location in the City of Phoenix
  • Gross total sales declined by at least 25 percent as a result of COVID-19 in March and April 2020
  • 5 employees or less
  • Less than $1 million gross total sales
  1. Peoria Small Business Emergency Loan Program

To help local businesses during this unprecedented time, the City of Peoria and Bell Bank have developed a Small Business Emergency Loan program for Peoria-based companies. This program provides qualifying businesses with personal loans up to $20,000.

Am I eligible?

  • Peoria location
  • 20 or fewer employees

Application coming soon.

  1. Queen Creek Together Small Business Grant Assistance

To assist the town of Queen Creek’s business community with economic relief and enhance the health and safety of its residents, the town has a total of $500,000 in grants for small businesses. Small businesses in Queen Creek can apply for up to $12,500 each to offset the costs of safety measures due to COVID-19 concerns. The grant program will be implemented by the Town to reimburse businesses for costs incurred in connection with enhanced sanitization, employee safety, and customer safety. Businesses can receive $500 per full-time equivalent employee with a maximum $12,500 grant.

Am I eligible?

  • SBA certified small business
  • Located in Queen Creek (brick-and-mortar or home-based)0
  • Evidence of a sanitation and safety plan

Applications open July 20, 2020.

  1. Peoria Community Development Block Grant

The City of Peoria Community Development Block Grant (CDBG) Small Business Assistance Grant Program has been developed to assist the enterprises that make the community stronger by creating jobs for low and moderate income individuals. These grants are directed toward business owners and entrepreneurs who have been unable to acquire funding through the Paycheck Protection Program (PPP) or the Economic Injury and Disaster Loan (EIDL). A total of 20, one-time, relief grants in the amount of $5,000 will be awarded to Peoria businesses.

 Am I eligible?

  • Peoria location
  • Annual revenue less than $750,000

Preference will be given to eligible businesses that can demonstrate assistance in stabilizing and expanding microenterprises that provide medical, food delivery, cleaning and other personal services to support home health and quarantine.

Application coming soon.

  1. Tempe Small Business Emergency Loan Program

To aid Tempe business owners, Desert Financial has partnered with the City of Tempe to create the $1 million Tempe Small Business Emergency Loan Program. Business owners may receive a microloan between $5,000 and $20,000 at a 4% fixed rate, with a 48 month repayment term.

Am I eligible?

  • Less than 50 employees
  • Sole proprietorship, limited liability company, corporation, or other form of business enterprise, operating within the city of Tempe
  • Up to three locations
  • Operated in Tempe for more than two years
  • FICO score of 640 or better
  • Applicant agrees to use loan proceeds to offset the negative impact of the COVID-19 pandemic or resulting restrictions on applicant’s business
  1. Fountain Hills Small Business Grant Program

The Fountain Hills Small Business Grant Program provides grants from funding made available from the State of Arizona’s AZCares Fund to Town businesses impacted by COVID-19. Funding may be used for business operations, public health protocols, marketing and mortgage or elase payments. The amount of each grant will be based on the number of approved applications with Eligible Business Expenses. It is not likely that any individual grant award will exceed $5,000.

Am I eligible?

  • Location in the Town of Fountain Hills with a town business license
  • For-profit business
  • Operated in Fountain Hills since January 1, 2020
  • 25 employees or less since February 15, 2020
  • Less than $3 million in gross sales in calendar year 2019
  • Has not received a Paycheck Protection Program loan or Economic Injury Disaster Loans

Applications are open July 1 to December 1, 2020, or until funding has been exhausted.

  1. Tucson Small Business Continuity Grants

As part of the City of Tucson’s CARES Act funds, the city will distribute $2 million through Small Business Continuity grants. The YWCA’s Women’s Business Center will administer the small business continuity grants to be awarded up to $10,000. Grants will be awarded within 10 business days of application submission.

Am I eligible?

  • Located in Tucson
  • Less than 50 employees
  • May not have received a PPP loan, EIDL (excluding an EIDL Advance) or Rio Nuevo Emergency Relief funding
  • Established business as of February 2020

Applications open July 31, 2020 and close August 28, 2020.

  1. Tucson Nonprofit Continuity Grants

As part of the City of Tucson’s CARES Act funds, the city will distribute $500,000 to nonprofits through the Tucson Nonprofit Continuity Grant. The Community Foundation of Southern Arizona will administer the grants to Tucson nonprofits with awards up to $20,000.

Applications will be reviewed and, if accepted, processed within 1-week of award notification.

Am I eligible?

  • 501(c)(3) nonprofit organizations and groups fiscally sponsored by a 501(c)(3) nonprofit organization as of February 2020
  • Have local leadership in the form of a board of directors or advisory committee
  • Physically located in the City of Tucson

Applications open July 31, 2020 and close August 28, 2020.

  1. Revolving Loan Program

The Verde Valley Regional Economic Organization is providing funding for businesses looking to establish, expand, attract customers or retain customer bases in the Verde Valley. Loans provide alternative funding when conventional bank funding is not available. The minimum loan amount is $25,000 with a 5-year loan term. Loans may be used for working capital, purchase of supplies, business acquisition, renovation or purchase of real estate.

The Arizona Fairs Association (AFA) is dedicated to the advancement of the fair industry. Here at the official website of the Arizona Fairs Association, you can learn more about our members, associate members, upcoming events, fair dates, or how to become a member and help support the association.

The AFA is a voluntary, not-for-profit corporation, serving Arizona, and Arizona county agricultural fairs, shows, exhibitions, and expositions. AFA’s associate members include non-agricultural expositions and festivals, associations, corporations, and individuals engaged in providing products and services to our member fairs—all of whom contribute to the success of our events.

Arizona Fairs Association History

AFA was formed in 1977 with 22 member fairs—the first convention was held in 1978. Today, our organization represents 20 fairs from around the great state of Arizona, and dozens of associate members from allied fields. AFA continues to further and promote its charter goal of developing and improving agricultural fairs, shows, and expositions.

What is a fair?

A fair is a competitive exhibition (for example, farm products), which is typically accompanied by supporting entertainment and amusement activities, such as dances, performers, food vendors, carnivals, rodeos, and the like. The primary difference between a fair and a festival or carnival are the numerous competitions involving farm animals or produce.

Arizona Fairs Association Governing Board

The Arizona Fairs Association is governed by a board of directors consisting of 12 elected members and the president who is selected by the board. The directors include a chair, two immediate past chairs, two vice chairs, a treasurer, and directors chosen at large from associate members.

2020 Update from AFA President Eric Wofford

Greetings Arizona Fairs and Associate Members,

I just wanted to reach out to everybody as the Arizona Fair season quickly approaches to wish everybody a safe and successful fair season.  As we look forward to our fairs and upcoming events, I believe that we continue to produce the best fairs and events around due to the relationships we have between our members and associate members. I look forward to the sharing of stories about the success of these events throughout the next year.  It has been a whirlwind of a season so far; everything from the legislative issues that we’ve been dealing with to the recent Coronavirus.  I have faith in each and every one of you that whether you’re dealing with a legislative issue, a county or city issue,  issues that pertain to your independent business, or illness that spreads like the flu that each of you will do your due diligence to protect those who participate and attend your event this season.  I encourage you to reach out to your county health department and partner with them to send out the proper messaging for your community.  Obviously, let’s not forget to have a great time doing what we love and creating memories that will last a lifetime!  Please do not hesitate to reach out as needed and best of luck!

Thank You,

Eric Wofford

President, Arizona Fairs Association

For More Information

For more information about AFA, contact Coleen Gilboy at fair@vvfair.com