Adapt-ABILITY Loan Application

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. If you’d like to apply, download the application, fill it out, save it as the name of your business and email the complete application to Kate Cooke at

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.

Loan Process

  1. Download application from Localworks website. Complete application.  Submit application via email to
  2. Localworks staff will review application and reply within 2 business days.
  3. Upon approval, purchase identified/approved items.
  4. Submit receipts, contracts or other documentation to Localworks.
  5. Payment from Localworks will be made via ACH.

Download the application here.