Help for Small Business & Non-Profits

Our office is here to serve you. If you need help on any issue involving the federal government, including Medicare, Social Security, Small Business Administration, State Department, Internal Revenue Service, Veterans Affairs, Immigration, or more, please get in touch by calling (847) 383-4870 or submitting a casework request.


Frequently Asked Questions/Preguntas Frecuentes:


Small Business Resources Through the College of Lake County & the Illinois Small Business Development Center

The Small Business Development Center is offering training programs through TAD (Training Assessment & Development) and BizHub through funding from the CARES Act. 

BizHub: BizHub offers Q&A with local entrepreneurs and experts, access to a network for small businesses, a startup knowledge center, and opportunities to share your startup story or get tips from other small businesses. Register your business now at

TAD: CLC offers TAD, an affordable cloud-based integrated system, to employers of any size in Lake County. TAD is a high-quality, results-oriented training designed for any-size organization. They offer training and workshops on a variety of topics including business writing, communication, ESL, leadership, and more. Visit to learn more. 


SBA Disaster Loans

On March 4th, Congress passed and the President signed legislation that allows small businesses to apply for U.S. Small Business Administration (SBA) disaster loans due to the coronavirus for working capital in order to help weather through the coming months. General information is available on the SBA website. 

Illinois businesses are now eligible to apply for loans and you can apply for loans on the SBA website. 

  • SBA can provide up to $2 million loans on terms as long as 30-years 

  • Currently, rates are 3.75% for small businesses and 2.75% for non-profits, though my office is strongly advocating the SBA for these to be zero-interest 

  • Recipients are able to defer first payment for up to one-year 

  • Approval time average 2-3 weeks, once approved funds can be disbursed within 5 days. As well, we are advocating to accelerating the approval process. 

  • Applicants must fit SBA’s definition of a small business. This includes most private non-profits, as well as people who are self-employed 

  • Businesses applying should be expected to provide the SBA Form 5 (loan application form), the most recent year’s tax returns, completed IRS Form 4506-T, a personal financial statement, and a schedule of liability 



The Small Business administration has extended the deadline to apply for an Economic Injury Disaster Loan (EIDL) to December 31, 2021. After working with the SBA and urging them to extend this much-needed funding, I hope that this assistance will help small businesses on the front lines of this crisis stay afloat. 


Webinar on SBA Disaster Loans (recorded January 21, 2021) 
View a recording of Congressman Schneider’s webinar answering commonly asked questions about resources available for small businesses here.



How to Apply for SBA Disaster Loan in Lake County, IL 

If your business is in Lake County IL and you want to apply for a Coronavirus (COVID-19) disaster assistance loan from the Small Business Administration (SBA), follow this protocol: 

  1. Review the Coronavirus (COVID-19) Small Business Survival Guide, which contains links to information you can use to weather this challenging time and complete a loan application. 

  1. Review the documentation requirements for completing a loan application. You should have this information on hand before you begin the application process. The information is provided in the Small Business Survival Guide and is listed below. 

  • Business Loan Application (SBA Form 5) completed and signed by business applicant. Applications can be completed online by clicking this link and on paper by clicking this link. 

  • IRS Form 4506-T completed and signed by Applicant business, each principal owning 20% or more of the applicant business, each general partner or managing member and, for any owner who has more than a 50% ownership in an affiliate business. (Affiliates include business parent, subsidiaries, and/or businesses with common ownership or management). 

  • Complete copies, including all schedules, of the most recent Federal income tax returns for the applicant business; an explanation if not available. 

  • Personal Financial Statement (SBA Form 413) completed, signed and dated by the applicant (if a sole proprietorship), each principal owning 20% or more of the applicant business, each general partner or managing member. 

  • Schedule of Liabilities listing all fixed debts (SBA Form 2202 may be used). 

Additional information that may be necessary to process applications: 

  • Complete copies, including all schedules, of the most recent Federal income tax returns for each principal owning 20% or more of the applicant business, each general partner or managing member, and each affiliate when any owner has more than a 50% ownership in the affiliate business. Affiliates include, but are not limited to, business parents, subsidiaries, and/or other businesses with common ownership or management. 

  • If the most recent Federal income tax return has not been filed, a year-end profit and loss statement and balance sheet for that tax year is acceptable. 

  • A current year-to-date profit and loss statement. 

  • Additional Filing Requirements (SBA Form 1368) providing monthly sales figures. 

  • Home Loan Application (SBA Form 5c) completed and signed by Applicant and Co-Applicant. 

  1. If you experience problems completing your loan application contact SBA Disaster Loan Assistance by phone at 1-800-659-2955 (TTY/TDD: 1-800-877-8339) or email at 

  1. If you have other questions or problems related to Coronavirus (COVID-19) contact the Small Business Development & International Trade Center at College of Lake County by phone at 847-543-2033 or by email at 


Paycheck Protection Program 

Included in the CARES Act stimulus is the Paycheck Protection Program, designed to help small business owners cover their employees payroll and benefits during the crisis. This program also applies to non-profits, veteran organizations, sole proprietorships, the self-employed, and independent contractors. These loans will be forgiven so long as proceeds are used to cover payroll costs and benefits, and employee compensation levels are maintained (capped at $100,000). The deadline to apply is May 31, 2021. You can find more guidance on how to apply at the Department of the Treasury’s website. 


Emergency Paid Leave 

On March 18, the President signed into law the House legislation that will provide emergency paid medical and family leave. This legislation requires employers with up to 500 employees to provide paid sick leave and paid family leave, while providing a refundable payroll tax credit to employers to cover 100% of the cost of wages. There is also a refundable income tax credit for self-employed individuals. 

While the Executive Branch is now working through the process of administering this program I encourage you to visit the House Small Business Committee’s fact sheet to learn more about how the program is expected to work and how it might apply to your business. 

SBA Coronavirus (COVID-19): Small Business Guidance & Loan Resources 
CDC Interim Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease 2019 



Other (non-federal) Funding Opportunities

Illinois COVID-19 Response Fund
  • $28 Million in private philanthropy
  • Funding for nonprofit organizations that provide:
  • emergency food and supplies, housing, health care services, utility assistance, household expenses, supports for children and other vulnerable populations, and nonprofit safety and operations assistance.
  • Multiple funding rounds, apply:

Chicago COVID-19 Community Response Fund

Lake County COVID-19 Community Response Fund

Lake County Community Crisis Relief Fund

Highland Park Community Foundation COVID-19 Emergency Response

  • Supports nonprofits in Highland Park and Highwood
  • Reach out to directly for funding questions:

Illinois Humanities COVID-19 Emergency Relief Grants

  • $2,500 general operating grants to Illinois-based humanities and cultural nonprofits with annual budgets of $300,000 or less located outside the City of Chicago. 
  • To apply:

Arts for Illinois Relief Fund

  • Public-private partnership that support artists and arts and culture organizations experiencing hardship caused by COVID-19 .
  • Grants between $1,500 and $2,000 to individuals and between $6,000 to $30,000 to organizations
  • To apply:​

Illinois Small Business COVID-19 Relief Program

Illinois Charitable Trust