Grants & Financial Support

Strategic Framework Business Fund

The Strategic Framework Business Fund offers grants to businesses that are required to close by law as a result of COVID-19 restrictions from 2 November.

Business Temporary Closure Fund

A grant of £2,000 or £3,000 (depending on rateable value) for business required to close by law, payable every four weeks in arrears for the duration protective measures are in place.

Make sure to view the list of eligible business types and sectors

Apply online here

Business Restrictions Fund

Grant payments for the Business Restriction Fund up to 28 December, 2020 have been paid. Eligible businesses who have not yet applied for this Business Restriction Fund grant will have an opportunity still to do so (for the period 2 November to 28 December, 2020).

A grant of £1,400 or £2100 (depending on rateable value) for businesses that remain open but are specifically required to modify their operations by protective measures, payable every four weeks in arrears for the duration measures are in place. This means that your business is legally required to close earlier than normal, for example, not that you have to adopt physical distancing or that the demand for your products or services has been reduced because of the pandemic or other restrictions which impact on individuals and communities.

Apply online here

For any enquiries & or to submit application with supporting documents please email [email protected]

COVID-19 Discretionary Business Fund

The aim of this fund is to mitigate the financial challenges experienced by businesses impacted by restrictions and regulations introduced since October 2020 to control the spread of COVID-19.

The fund gives individual local authorities the ability to direct financial support to specific groups, sectors or businesses within their local business communities who have not been able to receive any recent funding and are not likely to benefit from the planned future funding schemes.

The Discretionary Business Fund provides a one-off payment of £2,000 to successful applicants.
Please note that this fund will be issued on a first come first served basis for complete applications & will close once the allocated budget is spent.

How to apply

To apply please complete the Application Form.

Please send the completed form with all required supporting documents to [email protected]

Please note, Moray Council will only accept applications with supporting documents via email to this address. Please do not send hardcopies or emails to any of the other business support funds.

Eligibility criteria:

  • Business trading prior to 23rd March 2020
  • Must be based in Moray and have fewer than 50 FTE employees
  • Must have a valid VAT, PAYE, Companies House registration, SCIO, CIC or UTR number
  • Business has not been eligible for any coronavirus funding since October 2020
  • Before March 2020 must normally have an annual turnover of more than £3,000
  • Business has not received an enforcement notice as a result of breaching COVID-19 regulations
  • Business is not in administration, insolvency or received notice to be struck off Companies House
  • Business can evidence a 30% negative financial impact from COVID-19 restrictions

Newly Self-Employed Hardship Fund

The Newly Self-Employed Hardship Fund is now open for applications for 4 weeks.

This grant scheme is designed to help alleviate financial hardship for newly self-employed people who meet the eligibility criteria set out below.

The funding is being provided by the Scottish Government.

The scheme offers a one-off £4,000 payment for those whose status as being newly self-employed makes them ineligible for the UK Government’s Coronavirus (Covid-19) Self-employment Income Support Scheme.

To be eligible for the Newly Self-Employed Hardship Fund, you must be able to demonstrate that you:

  • (i)  Became self-employed on or after 6 April 2019 but before 17 March 2020 (and are therefore ineligible for the UK Government’s Self Employment Income Support Scheme because you did not submit a tax return including income from self-employment for 2018-19)


  • (ii)  Became self-employed between 1 October 2018 and 6 April 2019 but are ineligible for the Self Employment Income Support Scheme (SEISS) because you weren’t self-employed for a sufficient period of time in the 2018/19 Financial Year to demonstrate that you derived 50% of your income from self-employment

Further eligibility requirements & more information on the fund can be read online here

You can apply online here

You will only be able to apply once and if your application is not successful, you will not be able to appeal or re-apply, so please ensure that you provide all the requested information and complete the form accurately.

Self-Employment Income Support Scheme

If you’re self-employed or a member of a partnership and have been impacted by coronavirus (COVID-19) you may be eligible to claim the grant.

You must make your claim on or before 29 January 2021.

To make a claim for the third grant your business must have been impacted by coronavirus on or after 1 November 2020.

You can make a claim for the third grant if you’re eligible, even if you did not make a claim for the first or second.

Who can claim

You must meet all the eligibility criteria to claim the third grant. Make sure you check this before submitting your claim.

What you will need to make your claim

You will need your:

  • Self Assessment Unique Taxpayer Reference (UTR)
  • National Insurance number
  • Government Gateway user ID and password
  • UK bank details including account number, sort code, name on the account and address linked to the account

Only provide bank account details where a Bacs payment can be accepted.

You may also need to answer questions about your passport, driving licence or information held on your credit file.

Read more information and apply online here

Scottish Government’s Business Support- Sources of Finance

The Scottish Government’s Business Support Sources of Funding webpage has further information on sources of finance such as:

  • Coronavirus Business Interruption Loan Scheme (for SMEs)
  • Coronavirus Large Business Interruption Loan Scheme
  • Help for the self employed
  • Creative Industries

Here is the link to the webpage

Further advice and support available can be found on the Scottish Government’s Business Support website-

UK Government Coronavirus Business Support Finder

The UK Government has launched an online portal that can help business find what support they are entitled to.

Here is the link-

Bounce Back Loan Scheme

The Bounce Back Loan Scheme (BBLS) enables smaller businesses to access finance more quickly during the coronavirus outbreak.

The scheme helps small and medium-sized businesses to borrow between £2,000 and up to 25% of their turnover. The maximum loan available is £50,000.

The government guarantees 100% of the loan and there won’t be any fees or interest to pay for the first 12 months. After 12 months the interest rate will be 2.5% a year.

The scheme is open to applications until 31 March 2021.

If you already have a Bounce Back Loan but borrowed less than you were entitled to, you can top up your existing loan to your maximum amount. You must request the top-up by 31 January 2021.
You can apply for a loan if your business:
  • is based in the UK
  • was established before 1 March 2020
  • has been adversely impacted by the coronavirus
If your business was classed as a business in difficulty on 31 December 2019 you’ll need to confirm that you’re complying with additional state aid restrictions.

Read more information & find a lender here

Coronavirus Business Interruption Loan Scheme (CBILS)

The Coronavirus Business Interruption Loan Scheme (CBILS) provides financial support to smaller businesses (SMEs) across the UK that are losing revenue, and seeing their cashflow disrupted, as a result of the COVID-19 outbreak.

CBILS has been significantly expanded along with changes to the scheme’s features and eligibility criteria. The changes mean even more smaller businesses across the UK impacted by the coronavirus crisis can access the funding they need.

Click here for more information and how to apply

Aid for private rental landlords – Support to protect tenants

A £5 million fund will offer interest-free loans to landlords whose tenants are having difficulty paying rent during the coronavirus (COVID-19) crisis.

The Private Rent Sector Landlord COVID-19 Loan Scheme will offer eligible landlords up to 100% of lost rental income for a single property.

It will support private-sector landlords who are not classified as businesses, have five or less properties to rent and have lost rental income due to tenants unable to pay rent as a result of the COVID-19 pandemic.


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