Applications Now Being Accepted

Heartland Lakes Development Commission’s Hubbard County Business Assistance Program is
currently accepting applications in response to the continuing restrictions imposed at the Federal
and State levels due to the COVID – 19 pandemic. The program is funded by Hubbard County
through the State of Minnesota’s County Relief Funding Program.

The goals and objectives of this program are:

  • To provide emergency financial assistance for businesses that are experiencing financial hardships due to the COVID – 19 related restrictions.
  • Allocate resources to businesses in most need.
  • Ensure that this assistance will be beneficial to the business and in compliance with the State appropriation.
  • Facilitate business survival, especially for small businesses during this pandemic.
  • Enhance, to the greatest extent possible the retention of jobs throughout the County.

Applications will be accepted through 4:30 pm on Monday, February 15, 2021 by Heartland
Lakes Development Commission. Any business in need is strongly encouraged to apply
regardless of their perception of eligibility as the funding committee will consider all
completed applications any may make exceptions where warranted.

The maximum amount of assistance awarded is determined by the individual businesses’
economic injury/loss, availability of grant funds and total number of applicants. In no case will
the amount awarded exceed the documented amount of loss less other forgivable/grant funding

Applications are available at, and several locations
throughout the County or by contacting Mary Thompson, Executive Director of Heartland Lakes
Development Commission at (218) 368-7980 or

Download the Application



Executive Order 20-02, effective March 27, 2020 – Stay – At – Home
Beginning Friday, March 27th at 11:59 pm through Friday, April 10th at 5 pm all persons currently living within the State of Minnesota are ordered to stay at home.

Emergency Child Care Grant Program
The six Minnesota Initiative Foundations have created an emergency child care grant program to provide immediate financial support to licensed child care providers in Greater Minnesota in response to the COVID – 19 pandemic.

Guidance on Stay at Home Order
This site provides resources to help determine eligibility for critical sector worker exemptions and answer questions.

Information and Resources for Employers and Businesses
Information available from Department of Employment and Economic Development (DEED) on measures available to assist businesses through this unprecedented time.

Information and Resources for Workers
DEED’s Unemployment Insurance (UI) program assists workers who can’t work, have their hours reduced or lose their jobs as a result of the pandemic.

Office of Broadband Development
The Office of Broadband Development at DEED is gathering links and contact information for companies with service options related to COVID – 19 response if current service does not support the necessary bandwidth to work from home or conduct eLearning.

Shared Work
Shared Work is offered by the MN Unemployment Insurance (UI) Program to help employers avoid a layoff.

SBA COVID – 19 Small Business Guidance & Loan Resources
Tools and resources available from the Small Business Association for small businesses responding to the impact from the pandemic.

SBA Economic Injury Disaster Loan
The US Small Business Association is offering low interest Federal disaster loan for working capital to small businesses suffering substantial economic injury as a result of the pandemic.

COVID – 19 Business Toolkit from Minnesota Chamber of Commerce
A toolkit updated daily by the Minnesota Chamber of Commerce that provides information and resources related to the COVID – 19 pandemic.

NDC Small Businesses, Big Impact
The National Development Council as a loan program available for small businesses.

COVID – 19 Practical Guidance for Addressing the Evolving Challenges
Information and updates regarding the COVID – 19 pandemic and the implications for businesses and employees.

Senate Passes Massive Stimulus Program
Coronavirus Aid, Relief and Economic Security Act, “CARES Act” includes several provisions for salary support, cash rebates, loan to small businesses and relief for certain small businesses.

Thousands of businesses negatively impacted by COVID-19 could be helped

The Minnesota Department of Employment and Economic Development (DEED) is creating an emergency loan program to help Minnesota small business owners who need immediate assistance to meet their families’ basic needs during COVID-19 closures.

Download Application

The loan program was created under the Small Business Assistance Executive Order 20-15 announced by Governor Tim Walz on March 23. The loan program is intended to help businesses temporarily closed under Executive Order 20-04, later clarified by Executive Order 20-08, which stopped onsite customer dining at restaurants and bars and closed an extensive list of other small businesses whose owners may not have adequate cash flow to withstand temporary closure.

“Over the last week, we’ve heard from many of Minnesota’s small businesses who are facing significant hardships because of the COVID-19 crisis,” said Governor Tim Walz. “Small businesses are the backbone of our communities, and now more than ever, we’re looking to creative solutions like DEED’s emergency loan program to help them weather these extraordinarily difficult times.”

“We know that this emergency loan program is just one tool businesses will need to leverage to stay afloat,” said DEED Commissioner Steve Grove. “It’s an important one because it will get cash flowing quickly to the small Minnesota businesses that need it most.”

Executive Order 20-15 directs DEED to create a Small Business Emergency Loan Program by making available $30 million from special revenue funds. These dollars will be used by DEED’s lender network to make loans of between $2,500 and $35,000 for qualifying small businesses. The loans will be 50% forgivable, and offered at a 0% interest rate. If other financing becomes available to small businesses that received an emergency loan, such as federal funding, the emergency loan must be repaid. These emergency loans will be made by an existing network of lenders DEED works with across the state. Depending on the size of the loans offered to businesses, DEED estimates this emergency loan program will provide needed resources to between 1,200 and 5,000 businesses. DEED expects loan applications will available later this week through our lender network. Minnesota small businesses should send questions about this emergency loan program to

The executive order also allows local units of government or lending partners which have a revolving loan fund to use those funds to issue loans to retail and service providers for the next 90 days. DEED estimates that up to $28 million in capital could be accessible through local revolving loan funds and local governments through this action. Local partners will be looking at ways to deploy these resources to support their local businesses.

For the latest information from DEED for employers and businesses and workers, visit the DEED COVID-19 Information page on the DEED website.

DEED is the state’s principal economic development agency, promoting business recruitment, expansion and retention, workforce development, international trade and community development. For more details about the agency and its services, visit the DEED website or follow DEED on Twitter.

The key to understanding causes and magnitudes of education and employment imbalances

A question of vital importance is whether post-secondary graduates are coming out of school with credentials that position them for employment success. From the students’ perspective, this is an important concern when tuition levels and student debt burdens are rising, but many find employment opportunities limited by having majored in something employers aren’t searching for. On the other side of that coin, employers are stymied in their hiring and expansion efforts when the available pool of candidates don’t have the educational background they seek. Program planners at post-secondary institutions trying to calibrate instructional offerings in the face of tightening budgets need to know where to put their school’s resources.

Read the full article here.

  • The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Upon a request received from a state’s or territory’s Governor, SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration.
  • Any such Economic Injury Disaster Loan assistance declaration issued by the SBA makes loans available to small businesses and private, non-profit organizations in designated areas of a state or territory to help alleviate economic injury caused by the Coronavirus (COVID-19).
  • SBA’s Office of Disaster Assistance will coordinate with the state’s or territory’s Governor to submit the request for Economic Injury Disaster Loan assistance.
  • Once a declaration is made for designated areas within a state, the information on the application process for Economic Injury Disaster Loan assistance will be made available to all affected communities as well as updated on our website:
  • SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.
  • These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%.
  • SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.
  • SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.
  • For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail
  • Visit for more information.