Yes! As long as you meet the eligibility requirements, businesses that have received a grant may also apply for a loan to support growth or continued recovery.

No, absolutely not. Reporting to ICE is against Oregon law.

Loan amounts will vary based on business size, financial need, and loan readiness — but typical loans will range from $10,000 to $50,000.

Yes, loans must be fully collateralized. Typically, we accept vehicles, trailers, and equipment with serial numbers. You may also add a co-signer to your loan.

Eligible Use of PIER Small Business Loan Funds

PIER funds must be used for economic revitalization in support of recovery and rebuilding after the 2020 Labor Day fires. Examples of eligible economic revitalization and recovery/rebuilding activities include but are not limited to:

• ​Working Capital for:
  • Inventory
  • Operating Costs, Utility bills, Insurance, Licenses and Permits
  • Staffing/Salaries/Benefits
  • Moveable Equipment 
  • Mortgage/rent payments
  • General business supplies 
  • Expansion of services
  • Marketing Costs
  • Business related travel/transportation 
• Construction projects on buildings essential to business operations on either private/residential property. These projects will require a more in depth environmental assessment which could delay funds.
• Job creation/retention
• Address unmet economic recovery needs from the 2020 Labor Day Disasters
• Demonstrate clear benefits to the fire-affected community​ or vulnerable populations

Yes. IVCanDO and its partners may be able to connect you with other small business programs, including technical assistance, financial coaching, or regional lending partners.

The PIER Revolving Loan Fund (PIER_RLF) is part of the PIER economic recovery initiative that offers low-interest loans to small businesses in Jackson County affected by the 2020 Almeda and South Obenchain fires. Unlike grants, these funds must be repaid — but they come with flexible terms and community-centered support.

The PIER RLF is designed with recovery and resilience in mind. It offers:

• Low interest rates
• Flexible repayment terms
• Application support
• Community accountability (not credit scores alone)

To qualify, businesses must:

• Be based in Jackson County
• Have been impacted (directly or indirectly) by the 2020 Labor Day fires
• Have 100 employees or less

Click here to read more about eligibility for PIER Loans

Yes. Be prepared to submit:

• Recent tax returns
• Profit & loss statements
• Basic cash flow projections
• Documentation of fire impact (if not already on file)

Sí. El idioma no debe ser una barrera para acceder al apoyo. Si necesita ayuda en español u otro idioma, comuníquese con nosotros directamente al pier@ivcdo.org o llame al 541-592-4440. Ofrecemos asistencia con la traducción para asegurar que todos los dueños de negocios elegibles puedan solicitar con confianza.

Yes. To be eligible for the PIER Microenterprise Grant or Revolving Loan Fund, your business must meet the following criteria:

• Be located in Jackson County, Oregon
• Have 5 or fewer employees (for grants) or meet small business criteria (for loans)
• Serve low- to moderate-income individuals, or address urgent community needs
• Either:
  – Have been directly impacted by the 2020 Labor Day wildfires, or
  – Have been established as a response to meet critical needs resulting from the fires (e.g., housing, cleanup, public safety, health services)

This program recognizes that recovery includes not only helping those who suffered losses, but also supporting the small businesses that stepped up to meet the needs of their neighbors.

Questions about eligibility? We’re here to help. Contact us at pier@ivcdo.org or 541-592-4440.

No, absolutely not. Reporting to ICE is against Oregon law.

Funding is limited and available in rounds — so apply early. Once funds are awarded, we may not be able to reopen the application until additional rounds are announced.

Grant Program – Round One

The first round of applications for the PIER Microenterprise Grant Program will be accepted from June 9 – August 16 followed by a review process. Awards will be made in the fall. Recipients will be expected to fully expend grant funds within 12 months.

Grant Program – Round Two

The second round of the PIER Microenterprise Grant Program will open in the spring of 2026.

The Revolving Loan Program

Funding for the Jackson County PIER Revolving Loan Fund will open August 1st. Each application will be reviewed on a first come first serve basis. This $500,000 principal will continue to be loaned out to small businesses in Jackson County in perpetuity.

You’re not alone. Many small business owners are applying for the first time. Our team is here to walk you through the process with respect, patience, and encouragement. We’ll help you every step of the way. You can also reach out to the Small Business Development Center (SBDC) for free, one-on-one business advising: 📞

There are no wrong questions — and you don’t have to do this alone.

No. The PIER Program is overseen by Oregon Housing and Community Services (OHCS) as part of the ReOregon disaster recovery initiative, funded by the U.S. Department of Housing and Urban Development (HUD). OHCS manages the program at the state level, ensuring compliance, funding distribution, and program integrity.

IVCanDO was chosen by the PIER selection committee to administer the microenterprise grant program and the Jackson County PIER Revolving Loan Fund. We are a local implementation partner — we developed these programs with OHCS to meet specific needs identified by the Jackson County community following the 2020 Labor Day disasters. Our role includes outreach, program administration, participant relations, technical assistance, and ensuring small and micro-businesses in Jackson county can access the resources available.

In short: IVCanDO created and operates these programs, with support from OHCS, to ensure those funds reach the people and businesses who need them most.

For more information about the ReOregon program and OHCS’s leadership, visit:
🔗 About ReOregon – Oregon Housing and Community Services

🔗About Oregon Housing and Community Services

Yes. We offer translation support to ensure language is never a barrier. Email us for help in any language or to request assistance in other languages at pier@ivcdo.org

• Internet & Printing Access:

  Visit Jackson County Library Services.
  Roslyn Donald, Business Librarian, is available to assist:
  rdonald@jcls.org | 541-734-3992
  www.jcls.org/business

  IF you need to submit a handwritten application, please contact us for instructions at 541-592-4440 or email pier@ivcdo.org

To be eligible, you must:

✔️ Own a for-profit business in Jackson County, Oregon

✔️ Have been impacted by the 2020 wildfires

✔️ Operate a microenterprise (with 5 or fewer employees, including the owner)

✔️ Meet HUD income guidelines for low- to moderate-income households

✔️ Grants are for microbusinesses with 5 or fewer

✔️ Loans (COMING SOON!) are for small businesses (under 100 employees)