Mortgage, Utility and Rent Relief (MURR) Program

Program Update - as of 5:30pm, November 12, 2020:

  • We can no longer accept any new applications for the Mortgage, Utility, and Rent Relief (MURR) Program.
  • As of today, we now have more requests for assistance than the amount of money that was made available for the MURR Program.
  • The MURR program is for businesses or nonprofit organizations (nonprofits became eligible as of October 27 amd restaurants as of November 12); For citizens seeking help with rent or utility payments, Governor Cooper has announced the N.C. Housing Opportunities and Prevention of Evictions (HOPE) Program.  For more information on the HOPE program, call 2-1-1 or visit nc211.org/hope to apply online.

Organizations that experienced extraordinary business disruption and not been able to open due to the COVID-19 coronavirus pandemic could participate in the Mortgage, Utility and Rent Relief (MURR) Program, designed to offer assistance with some business fixed costs.

To qualify to receive these relief funds, organizations had to meet certain eligibility criteria.

We accepted applications for this assistance on a first-come, first-served basis and the program is now closed to new applications.

Our MURR team is available to assist you.  Email your questions or comments to: murr@nccommerce.com.

MURR Program Details

Calculating the Relief Request

Calculating the Relief Request

MURR Program assistance is based on four months of rent or mortgage interest and utility costs at an eligible North Carolina business location during the April - August 2020 time period.  The business must have paid these costs in order to receive relief payments from our program, and you'll be required to show evidence that these payments were in fact made.

The relief amount must not exceed $20,000 per business location, with a limit of up to two business locations per applicant (for a maximum of $40,000 per business).

The total amount of relief funding available for the MURR Program is $40 million.  The applications are first come, first served and it is highly likely that some applications will not receive any relief.

Eligibility Requirements

Eligibility Requirements

Types of Businesses

Eligibility for the MURR Program is limited to the following types of businesses:

  • Amusement Arcades Establishments primarily engaged in operating amusement (except gambling) arcades and parlors. This category includes: Amusement arcades; Electronic game arcades; Family fun centers; Game rooms; Indoor play areas; Pinball arcades; Video game arcades. This category does NOT include establishments engaged in betting/gambling.
  • Amusement ParksEstablishments primarily engaged in operating a variety of attractions, such as mechanical rides, water rides, games, shows, theme exhibits, refreshment stands, and picnic grounds. This category includes: Amusement parks; Theme parks; Water parks.
  • Banquet and Reception HallsEstablishments primarily engaged in renting or leasing space for banquets and receptions. This category may include providing food services on premises, but it is not required. This category does NOT include Off-site catering.
  • Bingo ParlorsThis category does NOT include anything other than Bingo parlors.
  • Bowling CentersEstablishments engaged in operating bowling centers. These establishments often provide food and beverage services. This category includes: Bowling alleys; Bowling Centers.
  • Dance HallsThis category does NOT include anything other than Dance halls.
  • Drinking PlacesEstablishments known as bars, taverns, nightclubs, or drinking places primarily engaged in preparing and serving alcoholic beverages for immediate consumption. This category includes: Bars; Taverns; Cocktail lounges; Discotheques; Nightclubs. This category does NOT include Micro/Craft brewery tap rooms; Restaurants with bars.
  • Event Facility OperatorsEstablishments primarily engaged in organizing, promoting, and/or managing live performing arts productions, concerts, and sports events held in facilities that they manage and operate. This category includes: Sports arena operators; Stadium operators; Concert hall operators; Live theater operators; Performing arts center operators. This category does NOT include: Performing arts companies; Convention and trade show organizers; Leasing stadiums, arenas, theaters, and other related facilities to others without operating the facilities; Organizing, promoting, and/or managing live performing arts productions, concerts, and sports events held in facilities that they do NOT manage and operate..
  • Food Concession ContractorsEstablishments primarily engaged in providing food services at convention facilities, entertainment facilities, and sporting facilities, based on contractual arrangements with these types of organizations for a specified period of time. This category does NOT include providing food services at any other type of facility or providing food on a single-event basis.
  • Full-service RestaurantsEstablishments primarily engaged in providing food services to patrons who order and are served while seated (i.e., waiter/waitress service) and pay after eating.
  • Indoor Fitness And Recreational Sports CentersEstablishments primarily engaged in operating INDOOR fitness and recreational sports facilities featuring exercise and other active physical fitness conditioning or recreational sports activities. This category includes: Indoor ice or roller skating rinks; Gymnasiums; Physical fitness centers; Indoor handball, racquetball, or tennis club facilities; Indoor swimming pools; Indoor sports training facilities; Dance, aerobic dance, yoga, or martial arts studios. This category does NOT include: Outdoor fitness and recreational sports centers.
  • Motion Picture Theaters (Except Drive-Ins)This category includes: Motion picture cinemas and theaters (indoor). This category does NOT include: Drive-In theaters; Film festivals exhibitors; Motion picture exhibition; Motion picture exhibitors for airlines; Motion picture exhibitors, itinerant (traveling from place to place).
  • Museums Establishments primarily engaged in the preservation and exhibition of objects of historical, cultural, and/or educational value. This category includes: Art galleries (except retail); Planetariums; Art museums; Science or technology museums; Halls of fame; Wax museums. This category does NOT include Commercial art galleries.
  • RacetracksEstablishments primarily engaged in operating racetracks. This category does NOT include owners of racing participants, such as cars, dogs, and horses, primarily engaged in entering them in racing events; trainers of racing participants; and independent athletes, such as jockeys and race car drivers, primarily engaged in participating in racing events.
  • Spectator Sports TeamsProfessional or semiprofessional sports teams primarily engaged in participating in live sporting events before a paying audience. This category does NOT include Amateur sports teams; Racing teams.
  • Zoos and Botanical GardensEstablishments primarily engaged in the preservation and exhibition of live plant and animal life displays. This category includes Aquariums; Wild animal parks; Aviaries; Petting zoos; Zoos; Botanical gardens.

Other Eligibility Requirements

Each location for which relief is sought must have less than 50 employees.

The organization's location must have been closed between April and July 2020 due to COVID-19.

However, for full-service restaurants, the requirement that the business had to be closed between April-July 2020 does not apply.

No relief will be paid for expenses that have been paid with other federal CARES Act funds (such as PPP).

Before You Apply

Before You Apply

Applications to our program are now closed, but for your reference - these were the documents we asked you to gather before you completed your MURR application form:

  • Your most recent federal tax return with the page showing your NAICS code assignment
  • Your lease or mortgage agreement for the location(s) for which relief is sought.
  • Evidence of payment of rent or mortgage interest during the time period of April 1, 2020 through August 31, 2020 for the location(s) for which relief is sought
  • Evidence of payment of utility costs (electricity, natural gas, water, sewer, telephone and internet service) during the period of April 1, 2020 through August 31, 2020 for the location(s) for which relief is sought. NOTE: Full service restaurants are NOT eligible to claim utility costs for payment.

You'll also need the following information with you, before starting your application:

  • Contact information for the person applying for the grant, as well as a second person (optional)
  • Employer Identification Number (EIN)
  • N.C. Secretary of State ID Number (SOS ID - look up your ID here if needed)
  • Number of employees at each location for which relief is requested.
Application Form and Instructions

Application Form and Instructions

Applications to the MURR program closed at 5:30pm on November 12, 2020.

Webinar Reference Recordings

Webinar Reference Recordings

For your reference, you can view these past sessions here :

Answers to Frequently Asked Questions (FAQs)

Answers to Frequently Asked Questions (FAQs)

We've gathered answers to the most common questions we're hearing about the Mortgage, Utilities and Rent Relief Program (MURR).

Statutes and Other Information

Statutes and Other Information

Governor Roy Cooper announced the MURR Program on September 22, 2020.  The $40 million for the MURR Program comes from the Continuity of Operations appropriation, as part of the state Coronavirus Relief Fund (CRF).  The legislation appropriating the funds was signed into law as S.L. 2020-4 and the Governor notified the General Assembly of his intent to use funds in this manner on August 25, 2020.  

The use of the Coronavirus Relief Funds is to provide assistance for the costs of extraordinary business disruption caused by the public health emergency.