Get in Touch

City of St. Charles

 Department of Community and Economic Development  


Ciara Miller

 Economic Development Planner 

Other Resources

St. Charles Chamber of Commerce

St. Charles Business Alliance

Illinois Economic Development Association

Small Business Administration Programs

U.S. Small Business Association’s Paycheck Protection Program

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.

SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities


For more information, visit the SBA's website:


COVID-19 Business Resources

Has Your Business Been Impacted By COVID-19?

Illinois DCEO is seeking information from businesses on how they have been impacted by this crisis so that it can develop resources and response.  They have created a short survey here

COVID-19 Emergency Grant Assistance for Small Business in Kane, Kendall and DeKalb Counties

The Kane County Office of Community Reinvestment is pleased to announce that it is now accepting grant applications from small businesses facing financial impacts from the COVID-19 emergency. The program, which is funded by the Illinois Department of Commerce and Economic Opportunity, aims to provide assistance to small businesses in order to avoid layoffs due to Illinois Executive Order 2020-10 (COVID-19 Stay-at Home Order). Funds from this reimbursement-based program will be used to help eligible businesses mitigate layoffs and adhere to “social distancing” provisions established by state and federal public health authorities. It is not intended to duplicate other types of assistance available from federal, state, or local government. Individual awards under the program may range from $5,000 to $50,000 per employer/physical location.


Applications will be accepted on a rolling basis. Program guidelines, application materials, and a “frequently asked questions” can be found here. Questions should be emailed to Businesses located outside Kane, Kendall, and DeKalb Counties are encouraged to request contact information for their county’s local workforce development office.


U.S. Small Business Association’s Economic Injury Disaster Loan Basics 

What kinds of small businesses can apply? 

Examples of eligible industries include but are not limited to the following: hotels, recreational facilities, charter boats, manufactures, sports vendors, owners of rental property, restaurants, retailers, souvenir shops, travel agencies, and wholesalers. 

The applicant business must have a physical presence in the declared disaster area. An applicant’s economic presence alone in a declared area does not meet this requirement. The physical presence must be tangible and significant. Merely having a P.O. Box in the disaster area would not qualify as a physical presence. 


How much can I borrow? 

Eligible entities may qualify for loans up to $2million. The interest rates for this disaster are 3.75 percent for small businesses and 2.75 percent for nonprofit organizations with terms up to 30 years. 

Eligibility for these working capital loans are based on the size (must be a small business) and type of business and its financial resources. 

What are the criteria for loan approval? 

Credit History-Applicants must have a credit history acceptable to SBA. 

Repayment –SBA must determine that the applicant business has the ability to repay the SBA loan. 

Eligibility-The applicant business must be physically located in a declared county and suffered working capital losses due to the declared disaster, not due to a downturn in the economy or other reasons. 


Looking for more information?  

The Waubonsee Small Business Development Center provides great services and resources to local businesses. Small businesses interested in applying for the Economic Injury Disaster Loan are encouraged to contact the Waubonsee SBDC if they need assistance or have questions. 

 (630) 906-4143   | 

In response to Governor Pritzker’s request, the Small Business Administration has issued a disaster declaration for the state of Illinois. The disaster declaration makes low-interest federal disaster loans available to small businesses in the state suffering substantial economic injury as a result of the Coronavirus (COVID-19).  

Loans up to $2 million may be available to eligible businesses to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits or for expansion. 

Applicants do not go through a bank to apply, the Economic Injury Disaster Loan funds come directly from the U.S. Treasury. There is no cost to apply and there is no obligation to take the loan if offered. Businesses can apply for the economic injury disaster loan online at 

City of St. Charles, Illinois

Community & Economic Development

2 East Main Street, St. Charles, IL 60174

630 - 377 - 4443

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