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To our Xero family

During this challenging time, we’re committed to supporting our community however we can. Our dedicated teams have consolidated small business relief programs provided by federal and local governments and will be continuously updating them on this page. Additionally, we’ll be sharing Xero’s business continuity and mental health resources.

To help navigate the current climate, we’ve created this US regional page to keep you informed on the latest support for your business.

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Government support

Below, you'll find a list of financial relief measures and programs to support businesses impacted by COVID-19. Check your state governor’s website for the most recent updates. As new programs become available we’ll update this list. 


Coronavirus Emergency Loans Small Business Guide and Checklist: From the U.S. Chamber of Commerce on how to apply for relief under the CARES Act, including eligibility, requirements and application guidelines. Download here.

Families First Coronavirus Response Act (FFCRA): Employer Paid Leave Requirements and FAQs

Paycheck Protection Program Loan Businesses including eligible non-profits, Veterans organizations, Tribal concerns, sole proprietorships, self-employed individuals, and independent contractors described in the Small Business Act – with 500 or fewer employees may apply for small business loans to cover payroll and certain expenses. For a top-line overview of the program click here. Starting April 3, 2020, small businesses and sole proprietorships can apply. Starting April 10, 2020, independent contractors and self-employed individuals can apply. Contact your current lending institution to see if they are a preferred SBA lender and verify that they can help once the program has been activated. Fact sheet for borrowers and how to apply can be found here.

Economic Injury Disaster Loans and Loan Advance: The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million. 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. To apply for a COVID-19 Economic Injury Disaster Loan, click here.

SBA Express Bridge Loans: Allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. Find an Express Bridge Loan Lender by connecting with your local SBA District Office

SBA Orientación y recursos de préstamos para pequeñas empresas

IRS’ Tax Relief center: Follow coronavirus-related federal tax changes and find resources for taxpayers and businesses.

IRS Alivio Tributario por el Coronavirus

CDC Interim guidance for businesses and employers

US Chamber of Commerce Small Business Guide

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Xero’s Business Continuity Hub

Visit Xero Central for tools to help your business get through unforeseen disruptions. Register for upcoming webinars, find business and mental health resources, and connect with the Xero community to share your experience. We'll continue to add useful resources and information as they become available.

See Continuity Hub

Information from third-party sites available on this page is not affiliated with or endorsed by Xero. Xero is not responsible for the accuracy or completeness of any information provided by any third parties or third-party sites. You are responsible for any and all acts you choose to take or not to take relying on any information provided by third parties or third-party sites.