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One S. Church Street, Suite 200, Hazleton, PA 18201      
570.455.1508   570.454.7787    

We are happy to announce that program guidelines for CWCA, a program supplying working capital to businesses negatively impacted by the COVID-19 pandemic, were approved by the PIDA (PA Industrial Development Authority) Board on March 23, 2020. CAN DO is available to assist small businesses through the application process and is waiving all fees for assistance.

PROGRAM DETAILS (Subject to change)

Where to Apply:

CAN DO is the Certified Economic Development Organization (CEDO) for Luzerne County and is your portal to this funding stream.

Eligible Businesses:

Any for-profit businesses located in PA and with 100 or fewer employees worldwide are eligible to apply for disaster relief loans.  Your application must be processed through the CEDO designated for the county where your business is physically located, which is CAN DO for Luzerne County.

Eligible Uses of Loan Proceeds:

  • 100% of working capital costs incurred in the last 3 months for most businesses (including debt service, excluding fixed assets).    Businesses in the retail/service sector can include working capital costs that were incurred in the last 6 months, however only 50% of those costs will be eligible which calculates to 3 months of business expenses

  • “Future” or “projected” costs are not eligible

  • NOTE:  This program will require you to document the last three (3) months (or six (6) months for retail & service companies) of working capital expenditures

Available Funding:

There is $61 million in total available across the Commonwealth as of March 23, 2020.  Maximum loan size per company is $100,000.  Note:  Funds are expected to be in high demand.  It is very likely demand for loan funds will outstrip supply.

Loan Amount:

    • The lesser of 3 months of working capital or $100,000


Retail & Service Companies – Lesser of one half (1/2) of 6 months of working capital or $100,000

Interest Rate:  

0% for all business types except Agriculture Producers which is  2%


12 years


3 years




No payments in first 12 months, amortized payments during years two (2) and three (3), one balloon payment for the remaining balance after year three (3)


The loan shall be secured by a blanket lien on all business assets currently owned or acquired in the future at the highest lien position available


The loan shall be guaranteed by any individual or entity with a 20% or greater ownership interest in the eligible business enterprise

Credit Criteria:

Some credit criteria for approval (as evaluated by PIDA) may include:

  • At least breakeven performance in the prior year

  • Acceptable personal credit history of the guarantors

  • Historical cash flow adequate to pay obligations

  • 1:1 debt service coverage ratio

Application Materials: please prepare and submit the following:

Please view the BORROWER Checklist.

For the intended Borrower (Applicant Company, an Operating Company):

For the Guarantors (any owner, individual or business entity, with 20% or more interest in applicant business):

How to apply:

Completed applications for Luzerne County – please submit complete package to This email address is being protected from spambots. You need JavaScript enabled to view it.

Download COVID- 19 Working Capital Access Guidelines_2020