Find Nonprofit and Small Business Grants

Advance Search

Only Available for Paid Subscribers
Clear Filters
Search Filters

JDA Emergency Revolving Loan Fund (RLF)

Loans to Georgia Small Businesses and Nonprofits
for Support During the COVID-19 Crisis

Agency Type:


Funding Source:

Add to My Calendar 

Joint Development Authority (JDA) of the Unified Government of Athens-Clarke County, Georgia and City of Winterville

Deadline Date:

06/18/21 11:59 PM


Request a Grant Writer

Loans of up to $12,500 to Georgia small businesses and nonprofit organizations in eligible locations for assistance during the Coronavirus (COVID-19) crisis. Funds may be used for working capital to support accounts payable, rent, payroll, and costs incurred as a result of shifts in operations in order to retain existing businesses and nonprofits, retain current employees, and maintain viability for future re-employment. Applicants must have a physical location in Athens-Clarke County.

JDA Round 3 Emergency Loan Program:

The primary goal of the JDA Emergency Revolving Loan Fund is to offer needed support to qualified small businesses that are located in Athens-Clarke County and City of Winterville, Georgia that have been negatively impacted by the COVID-19 public health emergency. The fund offers low interest emergency loans for businesses that can demonstrate their ongoing commitment and investment into the local community who have suffered a business loss during COVID-19. Businesses who accept loans will also be connected to a larger network of local guidance, mentoring, and other support to help them adapt their business.

GrantWatch ID#:

GrantWatch ID#: 192164

Estimated Size of Grant:

Loans range from $3,001 - $12,500. Prior awardees from earlier RLF Emergency Loan rounds are eligible to apply for another loan in the 3rd round if they received less than the maximum award of $12,500. They may apply for a loan up to the original $12,500 limit. For example, if you applied for and received a loan for $5,000 you are eligible to apply for a $7,500 loan in this round.

A business or 501c3 nonprofit can request the JDA to consider a loan amount greater than $12,500.

Maximum Combined Award Amount: The JDA may consider awarding up to $25,000 based on need. Award amounts will be based on eligibility criteria, public benefit commitment, community benefit, application scoring factors, and justification for exceptional need.

For Loan Amounts and Payment Estimates, see

Term of Contract:

Repayment & Term of Loan: No payments and no interest through June 30, 2022, then amortizing (paid off) by level monthly payments of debt service (principal and interest) due on the last day of each month beginning July 31, 2022 for 18 months. The last monthly payment will be December 31, 2023.

Additional Eligibility Criteria:

Businesses and 501c(3) nonprofits may apply. To be eligible for Round 3 of the JDA Loan Program the following criteria must be met:
- Between 1 - 20 employees, as evidenced by the range of employees submitted in your most recent occupation tax application.
- Business must have physical location in Athens-Clarke County.
- Business must be current on their ACC or City of Winterville occupational tax, and have paid ACC or City of Winterville occupational tax for at least the past 2 years (2019 & 2020 or 2020 & 2021). Exemptions exist for nonprofits that do not provide products or services to the general public for a fee.
- Agree to perform at least one Public Benefit Commitment (See Public Benefit Requirements).
- Business must be a for profit or 501 C(3) non profit.
- Business must have suffered from a COVID related loss of income.
- Business must not have received the maximum amount of $12,500 in a previous round of loans. If a business received less than the $12,500 maximum, they may apply for additional funds up to the $12,500 maximum.

An individual who owns multiple businesses may apply for RLF Emergency loans for each separate business.

Pre-Application Information:

This is the target funding timeline for Round 2 (dates may shift depending on application volume):
- Application Window Opens: Monday, June 7, 2021 at 8:30am
- Application Window Closes: Friday, June 18, 2021 at 11:59pm.
- Application Scoring Window: June 7 - June 18, 2021
- Final Application Review and Approval: Wednesday, June 23, 2021
- Notification of Loan Recipients via e-mail: Thursday, June 24, 2021
- Send Selected Applications to Loan Administrator: Thursday, July 1, 2021
- Loan Closing: To be scheduled by First American Bank
- Distribution of Funds via check: July 1 - July 30, 2021.

Loan Terms & Repayment:
- Amount: Loan amounts range from $3,001 - $12,500
- Interest: 1.5% simple interest per annum (year)
- Interest upon Event of Default: 3.0% per annum (year)
- Repayment & Term of Loan: No payments and no interest through June 30, 2022, then amortizing (paid off) by level monthly payments of debt service (principal and interest) due on the last day of each month beginning July 31, 2022 for 18 months. The last monthly payment will be December 31, 2023.
- Payment Amount: Estimated payments range $169 - $703 per month depending on loan amount
- Prepayment Penalty: No

Each Applicant must make at least one Public Benefit Commitment. While you only have to agree to one (1) public benefit to be eligible for the loan, it is beneficial to agree to more than one because applications receive quality points based on their ability to deliver a public benefit. For a list of committment options, see

Required Documents:

Eligibility Criteria:

Funding Timeline:

How to Apply:


Contact Information:

Before starting your grant application, please review the funding source's website listed below for updates/changes/addendums/conferences/LOIs.

For further information and to access the online application:


Contacts for Application Assistance:

For volunteers offering no-cost assistance to review business cashflow and financials, identify potential resources, share ideas, and coach/mentor for successful loan repayment, see Small Business Support at

URL for Full Text (RFP):

Geographic Focus:

USA: Georgia: Athens-Clarke County

Suggested Grants:

Grants to USA State Agencies to Develop Volunteer Programs in Local Communities

Deadline 06/23/21

Grants to USA state agencies to develop and support volunteer programs in local communities. Applicants are advised that required registrations may take up to several weeks to complete. Funding is intended for programs that support, manage, and engage volunteers. Priori

GrantWatch ID#: 123648

Grants to USA Agencies, Nonprofits, Educational Institutions, and Tribes to Reduce Violent C...

Deadline 06/22/21

Grants to USA government agencies, educational institutions, nonprofit organizations, faith-based and community organizations, and tribal governments for activities to reduce violent crime in local neighborhoods. Interested applicants are advised that required registra

GrantWatch ID#: 123715

Grants to USA Nonprofits to Address the Climate Crisis and Reduce Inequality

Deadline Ongoing

Grants to USA nonprofit organizations to reduce social inequality and promote solutions to the climate crisis. Eligible programs will address the areas of racial and economic justice, corporate and political accountability; voice, creativity, and culture; and an inclusi

GrantWatch ID#: 123756

Grants to Researchers Affiliated with USA Qualified Institutions to Improve Clinical Researc...

Deadline 08/27/21 LOI Date: 07/09/21

Grants of up to $50,000 to researchers affiliated with USA qualified institutions to advance research in the field of pediatric oncology. Applicants must submit a letter of intent prior to submitting a full application. Funding is intended to increase the institution's

GrantWatch ID#: 125838

Grants to USA and Canada Nonprofit Charitable Organizations to Impact Public Policy in a Var...

Deadline Ongoing

Grants to USA and Canada nonprofit charitable organizations to impact public policy in a variety of national and international issues. In previous years, grants have been awarded for general operations and project support to think tanks, national councils, judicial orga

GrantWatch ID#: 125864

Grants to USA Nonprofits to Protect Natural Resources

Deadline Ongoing

Grants to USA nonprofit organizations to protect natural resources on land and water in locations around the world. Funding is intended to ensure that activities to acquire metals, gemstones, and corals for design use do not have an adverse impact on the area of origin.

GrantWatch ID#: 126162

Grants to USA, Canada, and International Independent Filmmakers for Feature-Length Films

Deadline 07/26/21

Grants of up to $25,000 and grants of up to $50,000 to USA, Canada, and International independent filmmakers for feature-length film projects. Funding is intended to support projects at any production phase from development through post-production. Priority will be give

GrantWatch ID#: 127055

Grants to USA and Canada Nonprofits for Projects to Protect Wildlife and Natural Habitats

Deadline 10/01/21

Grants of up to $3,000 to USA and Canada nonprofit organizations for projects to protect wildlife and natural habitats. Funding is intended for campaigns to save specific species and ecosystems. Eligible activities include public policy work, litigation, advocacy, and d

GrantWatch ID#: 129644

Grants to USA Individuals and Non-Federal Agencies for Conservation Initiatives in Agricultu...

Deadline 07/19/21

Grants to USA and territories individuals and non-federal agencies to promote the adoption and development of innovative approaches to conservation in agriculture. Applicants are advised that required registrations may take several weeks to complete. Priority funding ar

GrantWatch ID#: 129980

Grants to USA and Canada Low-Income Individuals and Families for Financial Assistance

Deadline Ongoing

Grants to USA and Canada individuals and families with low-income for financial assistance. Types of assistance include financial support to offset emergency expenses or to cover the cost of regular monthly bills. Funding is intended for workers and households that are

GrantWatch ID#: 131400