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  • Business Resources 

  • Financial Assistance 

    • Minnesota Department of Revenue Business Relief Payments - The Minnesota Department of Revenue will send COVID-19 Business Relief Payments to eligible businesses under a $216 million economic relief package signed into law December 16 by the Minnesota legislature. $88 million of this package will be distributed by the state Department of Revenue. Eligible business owners do not need to take any action to receive this aid. The Minnesota Department of Revenue will determine eligibility and payment amounts based on the program requirements that were included in the legislation.

    • Small Business Administration Economic Injury Disaster Program - The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing  

      • This program can provide low-interest loans of up to $2 million to small businesses and private non-profits.
      • These loans can go toward working capital to meet needs including payroll, accounts payable, and fixed debt payments that can’t be paid due to the COVID-19 pandemic.
      • The current interest rate is 3.75% for small businesses. The non-profit rate is 2.75%.
      • These loans have long-term repayment options, up to a maximum of 30 years.
    • Minnesota Disaster Recovery Fund for COVID-19 

    • COVID-19 and MN Unemployment Benefits -  If your employment has been affected by COVID-19, you can apply for unemployment benefits
    • MNSure COVID-19 Special Enrollment Period - 30 day enrollment period available for uninsured Minnesotans (Runs through April 21)
    • MN DEED Emergency Loan Program for Minnesota Small Business
      • Range from $2,500 to $35,000 and will be based on the firm’s economic injury and the financial need
      • Be interest free
      • Be paid back monthly over five (5) years and the first payment will be deferred six (6) months
      • Partial forgiveness may be available
      • Be provided to only Minnesota-based businesses


    • City of Thief River Falls 
      • TRF Emergency Micro Loan Fund - The TRF Emergency Micro Loan Fund is to provide immediate liquidity of up to $10,000 to Thief River Falls small businesses in need, until such time that the state and federal government can implement a small business program.
      • ​Utility relief - please call the city utility billing office at 218-681-4145 if you are having issues with paying your bill due to COVID-19 (notify them at least week prior as some are set up on ACH payments)
    • Financial Assistant & Programs for Downtown Businesses
      • Main Street organizations have an essential role to play in supporting businesses during this difficult period, and our Main Street leaders will be even more important when fears about the virus subside and we are actively supporting businesses and communities in the recovery process.  Click here for more information. 
    • Northwest Minnesota Foundation Disaster Recovery Grants -  
      • Grant proposals up to $5,000 will be considered on an ongoing basis. Eligible applicants must be 501(c)3 nonprofits, tribal entities, and government agencies in our 12-county service area. There is no deadline to apply. Grants will be made in stages based on requests and available funding.  Click here to apply 
    • Coronavirus Aid, Relief and Economic Security Act (CARES) is now in place and provides some major relief for employers.  Below is a summary of portions of the act that specifically benefit employers through loan programs and tax credits, and more specific information on the provisions which impact employers the most are outlined in the video presentation below.
      • ​Includes:
        • Emergency grants for small businesses to cover immediate operating costs.
        • Forgivable loans for small businesses, up to $10 million per business, administered through the Small Business Administration (SBA).
        • Relief for small businesses on existing SBA loans.
        • A refundable tax credit for businesses of any size that are impacted by COVID-19. The credit covers up to 50 percent of payroll on the first $10,000 of compensation, including health benefits, for each employee.
        • An additional 13 weeks of unemployment insurance, as well as increased unemployment benefits, and broadened eligibility.
    • Emergency Child Care Grants - The Northwest Minnesota Foundation is offering an Emergency Child Care Grants to family child care providers and child care centers.  Grant proposals up to $1,000 for family child care providers and up to $3,000 for child care centers will be considered on an ongoing basis.  Child care providers must be licensed and located in our 12-county service area. Priority will be made to providers staying open to meet the child care needs of our region’s emergency and essential workers.
    • Quick Guide to CDBG Eligible Activities to Support Infectious Disease Response - Community Development Block Grant (CDBG) - grantees may use funds for a range of eligible activities that prevent and respond to the spread of infectious diseases such as the coronavirus disease 2019 (COVID-19).  
    • Payroll Protection Program (PPP) - The Paycheck Protection Program (“PPP”) authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. All loan terms will be the same for everyone. The loan amounts will be forgiven as long as:  The loan proceeds are used to cover payroll costs, and most mortgage interest, rent, and utility costs over the 8 week period after the loan is made; and Employee and compensation levels are maintained. 
  • Keeping workplaces safe and healthy

  • State/Federal Legislation 

    • Families First Coronavirus Response Act - The act, approved by US House of Representatives on March 14 and vocally endorsed by President Trump, will be voted on by the Senate before being approved. The U.S. Chamber of Commerce has publically supported this bill and provided a summary. The bill is expected to impact:
      • Unemployment Compensation
      • Paid Sick Leave
      • Paid Family and Medical Leave
      • Provisions for Diagnostic Testing
      • Health Services
      • School Nutrition Programs, WIC, SNAP, Senior Food Programs
      • Medical Devices Liability
      • Discussion of Liquidity Impact for Small Businesses
    • Governor Walz's Announces Peacetime Emergency
      • Governor Walz's top priority is the health and safety of Minnesotans. That's why he took action to prevent the spread of COVID-19 by signing Executive Order 20-01, which declares a peacetime emergency in Minnesota. The Order calls for a coordinated response across all of state government, encourages compliance with the Minnesota Department of Health (MDH) Guidelines for gatherings, social distancing, hygiene, and other measures
  • Understanding economic impacts

  • Local Information 

    Latest news, closures, and announcements...

    Hospitals & Clinics


  • CARES Act - What Employers Need to Know
  • Pennington County & City of Thief River Falls Officials on COVID-19 Pennington County & City of Thief River Falls Officials on COVID-19

    Pennington County & City Officials PSA on COVID-19
  • Webinars

  • Is your business Covid-19-ready?  

    Here is a webinar from the MN Chamber to help prepare businesses across the state.  You will hear industry experts offer best practices, safety and business considerations, and the overall economy.   

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  • MN Chamber of Commerce - Click here to view the recorded webinar fand hear from experts who can summarize how businesses can access capital, work with employees and better understand how policies passed at the state and federal level can offer businesses relief. 

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  • Coronavirus:  HR Considerations for Employers 

    To view slides from the pre-recorded webinars,  click here