Business owners nationwide are already feeling the impact of the coronavirus pandemic.
The outbreak has forced many small businesses to close their doors.
The good news is there is financial help on the way.
Federal loans are available and a new state program is opening up in a matter of days to get these businesses some relief.
Experts say they need the help now more than ever.
"It's crippling. The term that I keep using is 'unprecedented.' We don't even have anything to compare this to," said Stephen Ursich, vice president of business development services at NEPA Alliance.
It's a challenge small business owners across the country have never dealt with before.
"Typically disasters are regional or really isolated...this is national," said Ursich.
The coronavirus pandemic has forced many businesses to shut down, with some wondering if they'll be able to open back up when it passes.
"They have no revenue right now. You close the doors, revenue turns off. How do you pay bills then? How do you pay payroll? How do you make your mortgage payment?" said Ursich.
Agencies like NEPA Alliance are busy helping businesses apply for loans to keep them afloat. One is a federal loan, which offers up to two million dollars for working capital costs.
"That's your payroll, that's your loan payments, your utilities, lease payments, those kinds of things," said Ursich.
Pennsylvania is also gearing up to roll out a new state-funded loan program by the end of the week.
"The state has been amazing in rolling out this new program within a week so for government to be able to do that so quickly is impressive," said Kathy Henderson, Carbon County's director of economic development.
Businesses with less than 100 employees worldwide can apply for a three-year loan worth up to $100,000.
"They can't stay closed for much longer without any kind of assistance and that's why this program is so important to get them that assistance," said Henderson.
For both the federal and state loans, those involved hope money can be dished out in a matter of a few weeks.
"They understand that if this is a 90-day [process], if it takes 90 days to get a loan approved and money in your hands, those businesses are probably out of business by then," said Ursich.
If you're a business owner and would like more information on how to apply for these loans, you can contact your local economic development corporation or NEPA Alliance.