Business Adapt-ABILITY Loan Program

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Thank you for your interest in our Business Adapt-ABILITY Loan Program. At this time, all of the allotted funds have been awarded, and we are no longer accepting applications. Please check back later.

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This program is designed to augment your business’ ability to adapt to unplanned business expenses associated with the COVID-19 pandemic. Please review the eligibility information below.

Eligible Borrowers
Business owners located in the City of Wheat Ridge.

This program is designed to augment your business’ ability to adapt to unplanned business expenses associated with the COVID-19 pandemic.  The program is not designed to serve as a line-of-credit or to cover typical business expenses which the business would cover if the COVID-19 pandemic was not happening.

Eligible Loan Costs
Business adaptations that are a result of the COVID-19 pandemic.  Examples include but are not limited to:  Enhanced marketing programs and related costs.  Costs such as pop-up tent/tables for curbside pickup.  New signage related to change in business hours, pick up locations, etc., Increases in advertising/ marketing expenses to enhance on-line presence. Other expenses related to new ways of doing business (take-out containers, growler cans, etc).  Costs associated with ramping up remote working options for employees.  Costs associated with cleaning supplies needed to address COVID-19. Other costs borne by businesses as they adapt to the business impacts related to COVID-19.  These examples are meant to be a guide for applicants not an exhaustive list of potential projects. Applications will be considered on a case-by-case basis.

Loan Amounts
Maximum of $5,000.  One loan per business.  Loans will be considered on a first-come, first serve basis.

Up to 36-month term interest free.  Loan repayment period will begin one year from loan approval based on the current COVID-19 situation.  Loan repayment timeframe may change depending on the length of COVID-19 public health policy considerations.

Loan Rates
0% interest for 36 months.

Application Fee
No application fees apply to this program

Approval Criteria
Wheat Ridge Business License.  Project costs related to business adaptation to the COVID-19 pandemic.

Exceptions Policy
All aspects of program eligibility are subject to Localworks approval.

Loan Disbursement
To ensure that funds are used for business adaptations related to the COVID-19 pandemic, the successful applicant will need to email receipts or contracts for the item(s) specified in the approved loan agreement and Localworks will reimburse for the approved item(s) up to the approved loan amount.  Items requesting reimbursement should have been purchased after 3/16/20.  Reimbursement will be via ACH payment.


How to support local businesses. Yes! Where you spend makes a difference in our community!

Our local businesses are the heart and soul of our community.  When we support local, we support our community.  There a lot of ways you can support local businesses!

Check out our Facebook page here. We have a running list of local takeout, delivery and online options. If you’d like us to include your business, please tag us on Facebook or email Kate Cooke at


As a promise to return to support them, purchase gift cards to your favorite local shops and restaurants. This puts money in the pocket of your favorite store owner today to help them cover operating expenses and to help assure a strong tomorrow.


Many local retailers have online shops.  Check them out online.  Localworks helped many local businesses ramp up their online presence.

While some shops don’t offer online shopping, they are happy to take an order over the phone and have it delivered or available for pick up.  Don’t hesitate to ask!  Local business owners are always available to talk with their customers.


Order delivery or takeout. Call ahead and pick up – many will even deliver to your car when you arrive!

Delivery services such as DoorDash, GrubHub or UberEats servicing restaurants are options for delivery.  (Note: these service providers charge local business owners an average of 30% of the total sale.)


Tipping is a big part of income in the service sector.  Consider a full tip on takeout orders, and leaving a little extra for the kitchen staff, too.


Spending time online? Engage with your favorite businesses — leave a positive Google, Yelp, or Facebook review. Like, follow, comment and engage with them on social media. It’s free to you but it helps to remind businesses that they aren’t forgotten and this kind of social currency pays dividends of a different kind – it allows you to deepen relationships with friends and neighbors that operate your favorite local businesses.

Civic Engagement 101: Citizens’ Right to Speak

Tonight’s the night. Wheat Ridge City Council is meeting at 7:00pm, and you have something to say. You want your voice to be heard, but how? The meetings always seem so formal. Everyone else seems to know how to navigate the process. Not to worry! Localworks’ Partners in Progress Committee has created a helpful guide on speaking during public comment.

1. Figure out what you’re going to say.
What do you want to talk about? Remember, City Council meetings aren’t just a place to talk about your frustrations, they are also a great place to brag about your community. Did you have an exceptional experience with a local business? Maybe your child’s school went above and beyond for their students. Whatever the topic, Citizens’ Right to Speak is your time to speak directly to your council and to the wider community.

2. Structure your comments.
No matter what you’re talking about, you want people to understand what you’re saying. Help people follow along by breaking up your thoughts into four parts. Start with introducing the issue you want to address. From there, move on to your argument. Be sure to include why this issue is important to you and why the rest of the community should care. Then, you’ll want to close with what you feel are the appropriate next steps to address the issue. Finally, it’s always a good idea to end by thanking council for their time.

3. Practice.
Practice what you are going to say a few times. Be sure to talk slowly, and if you are typing out your statement to read, use a large font.

4. Go to the meeting and sign up.
This may seem like a no-brainer, but choosing the right type of meeting, attending and signing up to speak can be a bit confusing. If you’re going to speak during public comment, you want to attend a regular meeting, not a study session. Regular meetings are held every other Monday at 7pm. Check out the calendar on the right side of the City Council page to see if the upcoming meeting is a regular meeting or a study session. After you pick your meeting and arrive, you need to sign in. If you are there to talk about an item that is not on the agenda, be sure to sign up under Citizens’ Right to Speak. During that time, you can address any community issues that are on your mind. If you are there to talk about something on the agenda, be sure so sign up under that agenda item.

5. Start with your name and address.
You’ll start by saying your name, spelling your last name and giving your address.

6. Stay within the time limit.
You have three minutes to speak. To keep you on track, there is a green, yellow and red light on the podium. Your time will begin after you introduce yourself. The green light flashes when you have 30 seconds left. The yellow light will come on when you have 15 seconds left. The red light turns on when your time is up. If you know that your comments are going to take longer than 3 minutes, you’ll need another community member to yield their time to you. Even with yielded time, you have a maximum of 9 minutes to speak.

You get to cast one vote for City Council every two years. This is your chance to make your voice heard now. Go for it!

Meet our Board of Directors: Kristen Dandurand

Meet Kristen Dandurand!

Kristen is a member of Localworks’ Mid-Century and Modern Home Tour Committee and a member of our Board of Directors. She loves living in Wheat Ridge and getting to know her neighbors. Learn more about Kristen below.

Tell us about yourself.

My husband Matt and I are parents to two very active and amazing children, 6 and 4 years old. We moved to Wheat Ridge in 2013, and fell in love with our neighborhood and neighbors. Professionally, I have my MBA and PharmD and work for a global, family-owned pharmaceutical company on the medical affairs side. My professional life is focused on relationship building and the communication of research and clinical progress that is being made in neonatology and cystic fibrosis.

How did you get involved with Localworks?

I was introduced to Localworks by a very active and passionate neighbor. We were lucky to participate in a Mid-Century Modern Home Tour, and we learned a lot about the organization at the time. I strongly believe in giving back to the community, and this was the perfect opportunity to do so. Everyone is energetic, passionate, intelligent and fun to work with!

What other local organizations are you involved with?

This is the first local organization that I have been involved with.

Favorite Localworks program?

It would be hard to pick a favorite program, but I love the Mid-Mod Tour. It’s so fun to be a part of the community in this way and meet people who have great and unique taste while also learning about the history of Wheat Ridge.

What do you love about Wheat Ridge?

I love our diverse, small community. I love the Ridge at 38 area, that people notice what’s going on around them, neighbors check in on one another, and people are passionate about the future of Wheat Ridge. I have lived in a big city, a small city and a small town, and this is the best of all worlds.