COVID-19 Relief & Information for the U.S. Fitness Industry

A comprehensive list of all U.S. specific COVID-19 relief and closure information to help health clubs navigate the coronavirus outbreak. This page will be updated regularly.

On Friday, March 27, President Trump signed the $2 trillion CARES Act, (the “Coronavirus Aid, Relief, and Economic Security” Act) into law. Here’s what we do—and don’t—know about the help the largest stimulus package in American history will provide to the fitness industry.

Many states are currently developing relief programs to supplement federal efforts. We will provide information on state-level efforts as we become aware of them. If your state is providing relief that is not currently on our list, please email us so we can add it to the list and help other clubs in the industry.

As of May 26, the following programs are still accepting applications for financial assistance:

Arkansas - Applications Closed

The Quick Action Loan Fund is a program to support small businesses with job retention, offering loan or loan guaranty of up to $250,000. For questions about how the Arkansas Economic Development Commission (AEDC) can assist your business during this time, email:


California is offering two finance programs through the CA Infrastructure and Economic Development Bank (IBank) for businesses with 1-750 employees: the Disaster Relief Loan Guarantee Program provides loan guarantees of up to $1 million for small business borrowers in declared disaster areas. The Jump Start Loan Program offers loans from $500 to $10,000 to low-wealth entrepreneurs in declared disaster and emergency areas.

Connecticut - Applications Closed

Businesses with 100 or fewer employees can apply for the Recovery Bridge Loan Program. These are no-interest loans of up to $75,000 or three months of operating expenses—whichever is lesser.

For specific questions related to small business, email the Joint Information Center at, or call the DECD small business hotline at 860-500-2333.


Businesses with less than $1.5 million in annual revenues that have been operating for at least 12 months could access up to $10,000 per business per month through the Hospitality Emergency Loan Program (HELP). NAICS code 7139 is eligible.

Florida - Applications Closed

Small business owners with between two and 100 employees located in Florida can apply for short-term loans up to $50,000 through the Emergency Bridge Loan Program.


Idaho is administering Rebound Cash Grants for small businesses. There are different programs available based on number of employees. Please check here for more information.

Illinois - Applications Temporarily Closed

Illinois Small Business Emergency Loan Fund makes businesses located outside the City of Chicago, with fewer than 50 workers, and less than $3 million in revenue in 2019, eligible to apply for low-interest loans of up to $50,000.

Successful applicants will owe nothing for six months and will then begin making fixed payments at a below-market interest rate for the remainder of a five-year loan term.


Louisiana Loan Portfolio Guarantee Program will offer loans of up to $100,000 to Louisiana small businesses of fewer than 100 employees that are impacted by the COVID-19 crisis.

The loans will require no payments for 180 days and carry below-market interest rates of no more than 3.5 percent.


FAME COVID-19 Relief Business Direct Loan Program provides Direct Loans of up to $50,000 on a 12-month term, which can be extended if necessary, to Maine-based businesses experiencing interruption or hardship due to COVID-19.

Maryland - Applications Closed

Maryland administers two relief programs:

  1. the Relief Loan Fund and
  2. the Relief Grant Fund.

They each have different eligibility requirements, so you should inquire within.

Massachusetts - Applications Closed

Businesses with under 50 full and part-time employees can apply for the Recovery Loan Program which provides emergency capital up to $75,000.

Michigan - Applications Closed

Michigan provides a Small Business Relief Program, but businesses must inquire at a local level.


The Small Business Loan Guarantee Program will help Minnesota lenders provide capital to Minnesota businesses with fewer than 250 employees. The number of employees includes the parent company and all locations.

The program will provide an 80% guarantee up to a maximum of $200,000. Each loan enrolled in the program is charged a fee of .25% on the guarantee loan principal.

New Jersey - Applications Closed

Economic Development Authority (NJEDA) will offer a grant program for small businesses—with one to 10 full-time employees only—as well as a zero-interest loan program for mid-size companies, support for private-sector lenders, and funding for Community Development Finance Institutions (CDFIs).

New Mexico

The COVID-19 Business Loan Guarantee Program will guarantee a portion of a loan or a line of credit up to 80% of the principal or $50,000. Loan proceeds are flexible and can be used for—but not limited to—the following: working capital, inventory, and payroll.

North Carolina

The Rapid Recovery loan program provides up to $50,000—loan sizes capped at approximately two months of current revenue—with six months of no interest and no payments, followed by 48 months of principal and interest payments at 5.5% interest.


The Oregon Small Business Navigator highlights a few Oregon-based relief programs. These programs have very specific/ niche requirements, so we recommend you explore the page for the funds for which you may be eligible.

Pennsylvania - Applications Closed

The PA COVID-19 Working Capital Access Program (CWCA) is offering loans to for-profit businesses with 100 or fewer full-time employees.

Rhode Island

A partnership with the Local Initiative Support Corporation and the Rhode Island Hospitality Association, the Bridge Loan Program provides additional funding to restaurants and small businesses of up to 10 employees.

Your business must have first applied for the federal SBA emergency disaster loan to qualify. Companies can apply starting Friday, April 3, through the LISC website. You can also call 521-HELP.

South Dakota - Applications Closed

The Governor’s Office of Economic Development (GOED) Small Business Relief Fund will provide no-interest loans to small businesses with a physical presence in South Dakota with less than 250 employees. These will be dispersed on a First-Come, First-Served basis, so apply ASAP.

Utah - Applications Closed

The Utah Leads Together Small Business Bridge Loan program is available to Utah-based small businesses with 50 or fewer employees impacted by the COVID-19 pandemic.

Loan amounts range from $5,000 to $20,000 with 0% interest for up to a 60-month period. Loan amounts shall not exceed three months of demonstrated operating expenses. Loan payments are deferred for 12 months. The program uses a minimum of 25% of the funding for rural Utah businesses.


Fairfax County has established the $25 million Fairfax Relief Initiative to Support Employers (Fairfax RISE) grant program to assist small businesses impacted by the pandemic. Click here to fill out a county form to be notified when the grant application is available in June.

Washington - Applications Closed

The Working Washington Small Business Emergency Grants provide a one-time grant of up to $10,000 to businesses with up to 10 full-time employees (FTEs).


As of May 20, Wyoming is developing a series of grant programs. Eligibility thresholds have not been established at publishing. For more information, please review this page.

In most states, governors have requested to be eligible for assistance under the U.S. Small Business Administration’s Economic Injury Disaster Loan (EIDL) program.

The below links are potential state-specific resources in addition to the SBA program.

Updated June 4 at 3 p.m. EDT

All businesses that can open have state and local restrictions that must be followed and met as part of the opening.

Check your state’s general business guidance, health club-specific guidance (linked below where available), and any county and city regulations.

For ongoing information regarding states reopening health clubs, be sure to check your inbox for the latest Coronavirus Alert. If you don’t currently receive our Coronavirus Alerts, please email

States where health clubs can open (34):

States where health clubs are semi-open:

States where health clubs are closed:

  • California - CLOSED
  • Connecticut - CLOSED; may open June 20.
  • District of Columbia (D.C.) - CLOSED
  • Maryland - CLOSED
  • Michigan - CLOSED
  • Minnesota - CLOSED; All businesses must fill out “Preparedness plan."
  • New Jersey - CLOSED
  • New York - CLOSED
  • North Carolina - CLOSED

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If you have any questions or would like to subscribe to the coronavirus alert, please contact Olivia MacLennan, IHRSA's government relations coordinator.

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This article was a team effort by several IHRSA experts.