The Village of Cottage Grove is striving to stay abreast of the everchanging programs available at the federal and state level to assist businesses and individuals with the economic impacts of the COVID-19 virus. We will update this page with programming information that may benefit those in the Village.

Last updated: January 12, 2021



State of Wisconsin

WEDC Industry Specific Reopening Guidelines

The Wisconsin Economic Development Corporation (WEDC) has posted industry specific guidelines for reopening businesses.

Visit the WEDC website at the following link for more information:


WEDC & WI Dept. of Health Services Mental Health Guidelines

For workers:

For employers:


WI Dept. of Health Services Workplace Outbreak Guidelines

Click here:


WEDC Calendar of Business Recovery Events

Click here:


WEDC Sign Templates for Businesses

Click here:

Dane County

Public Health Madison & Dane County

The most current Dane County order, issued December 16, 2020 can be found here:


COVID Testing in Dane County

Click Here:


General coronavirus information from the Madison & Dane County Public Health can be found here:




U.S. Small Business Administration (SBA) – Paycheck Protection Loan

This program provides 100% federally backed loans to help businesses and non-profits pay for payroll, rent, etc. Businesses (including eligible non-profits, sole proprietorships, self-employed individuals, and independent contractors) with up to 500 employees are eligible and they are eligible for loans up to $10 million for payroll and certain other expenses.

If all employees are kept on payroll for eight weeks, SBA will forgive the portions of the loan used for payroll, rent, mortgage interest, or utilities up to 100% of the loan.

Additional funding has been added to the program via the December 2020 Stimulus Bill. Application information for new funding is not yet available.

Visit the SBA website for more information:


U.S. Small Business Administration (SBA) – Economic Injury Disaster Loan Assistance

The State of Wisconsin is an eligible area for disaster loan assistance. Assistance takes the form of a long-term, low interest loan to be used for capital needs and normal business operating expenses through the recovery period, up to $2 million direct from the SBA. Loans less than $200,000 can be approved without a personal guarantee. Interest rates are 3.75% for small businesses and 2.75% for private non-profits. Repayments are deferred for 12 months. There is no cost to apply and there is no obligation to take the loan if offered. Loans can be based solely on credit scores. Loans are also available to non-profit entities established as 501(c), (d), or (e).

Borrowers can receive a $10,000 cash advance that may be forgiven if the money is spent on paid leave, maintaining payroll, increased costs due to supply chain disruption, or repaying obligations that cannot be met due to revenue losses. Funds are intended to be made available within 3 days of successful application.

Businesses that applied prior to March 30, 2020 should reapply to be considered for the $10,000 advance or if they did not receive an immediate confirmation number or email confirmation after the initial application was submitted.

NOTE: due to the nation-wide scale of the disaster area, the website is frequently overwhelmed. Try applying during off-peak (evening or overnight) hours and save your application frequently while it’s in progress. Keep your documentation readily available if there is a follow up phone call. Missing or inaccurate information is the biggest reason for delays.

Visit the SBA website for more information:

Or visit the SBA’s link submitting applications here:

The Wisconsin Small Business Development Network is available to assist with applications. Visit their website here:


United States Small Business Administration (SBA) – Express Bridge Loans

This program allows approved SBA lenders to provide expedited financing up to $25,000 to small businesses awaiting SBA disaster loans. The bridge loan is repaid when the disaster loan funds are received. Contact your lender to verify whether they are approved to fund this type of loan.


Internal Revenue Service (IRS) – Coronavirus Tax Relief

The IRS has a variety of programs related to or affected by the coronavirus, including tax deadlines, employer tax credits, and health and retirement plans.

Visit the IRS website for more information:

State of Wisconsin

Wisconsin Economic Development Corporation (WEDC) – We’re All In Small Business Grant, Phase 2

The WEDC will issue grants up to $5,000 based on the business’s annual revenue.

Eligible businesses must:

  • Be based in Wisconsin and for profit.
  • Employ 50 or fewer full-time equivalent employees (including the owner).
  • Have annual revenues between $0 and $1 million.
  • Have been in operation prior to January 1, 2020 and must have been in operated in 2020.
  • Not be part of a national chain unless the business is a third-party franchise.

The application window closed on November 2, 2020.


Wisconsin Economic Development Corporation (WEDC) – Small Business 20/20 

The WEDC has launched an initial program for assisting eligible small businesses. WEDC is making $5 million available to Community Development Financial Institutions (CDFI) to distribute grants to existing clients. CDFI’s are lenders who work with underserved communities. Local examples include Forward Commercial Investments, Habitat for Humanity of Dane County, and the Wisconsin Women’s Business Initiative Corporation. If you are already a client of these or other CDFI’s you should contact the CDFI directly to determine eligibility. Not all CDFI’s may participate and the final list of those that are has not been released. Assistance via this program comes in a grant of up to $20,000 targeted to businesses with less than 20 employees and less than $2 million in annual revenue to cover rent and payroll expenses.

All program funds have been dispersed.

Visit the WEDC website for more information:


Wisconsin Department of Workforce Development (DWD) – Work Share Program

Instead of laying off workers a qualified employer may implement a plan to reduce hours across a work unit. Workers whose hours are uniformly reduced under an approved work share program receive unemployment benefits that are pro-rated for the partial work reduction. Plan must include the greater of 20 positions or 10% of the employees in a work unit. Reduction may be at least 10% but not more than 50% of normal hours. Full-time and part-time employees are eligible.

Visit the DWD website for more information:


Wisconsin Department of Revenue – Small Business Tax Relief

Visit the WI Dept. of Revenue’s webpage for latest information on COVID related state tax implications.

Click here for more information:



Dane Buy Local – Dane County Small Business Pandemic Support Grant Program

On January 5, 2021 it was announced that additional funding will be made available through this program. Funds will be targeted toward hardest hit sectors such as retail, restaurants, and fitness centers.

Applications are now being accepted. 

Visit the Dane Buy Local website for more information:


Cottage Grove Chamber of Commerce

As always, the Cottage Grove Chamber of Commerce is your source for local business information. Follow them on Facebook for the latest news and information.

Visit the Cottage Grove Chamber of Commerce website for more information:




Direct payments 

The December 2020 Stimulus Plan includes funding for direct payments to taxpayers. Payments are $600 per person (including children) for individuals with an income up to $75,000. Payment amounts are reduced for taxpayers with incomes above $75,000 and will not be provided to individuals earning more than $99,000.

Payments are being dispersed. Visit the IRS website to track your payment:


Fannie Mae and Freddie Mac Mortgage Assistance

If your mortgage is owned by Fannie Mae or Freddie Mac, resources are available including delayed payments, waiving of late fees, or other assistance.

Visit the Fannie Mae website for more information:

Visit the Freddie Mac website for more information:


Internal Revenue Service (IRS)

The IRS has a variety of programs related to or affected by the coronavirus, including tax deadlines, employer tax credits, and health and retirement plans.

Visit the IRS website for more information:

State of Wisconsin

Dept. of Workforce Development – Unemployment Benefits

Visit the Dept. of Workforce Development website for additional information or to apply for benefits:


Dept. of Administration – WI Home Energy Assistance Program (WHEAP)

In response to the COVID-19 crisis, the Department of Administration (DOA) has adjusted the eligibility requirements for residents who are seeking heating and electric assistance through the Wisconsin Home Energy Assistance Program (WHEAP). Eligibility is now based on the household's previous month of income, rather than the former requirement of the previous three months of income. This move was made to ensure those who are recently affected by the COVID-19 response are able to receive assistance quickly.



United Way of Dane County – COVID 19 Emergency Recovery Fund

United Way of Dane County is coordinating the local COVID 19 Emergency Recovery Fund to assist those disproportionately affected by the virus. They are also seeking donations and volunteers.

Applications are no longer being accepted.

Visit the United Way of Dane County website for additional information:


Tenant Resource Center – Dane County CARES Rental Assistance Program

Visit the Tenant Resource Center home page to apply for rental assistance and to learn more about tenant rights related to COVID.