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Yesterday, the Biden Administration announced rule changes to the Paycheck Protection Program (PPP) forgivable loan program to help small businesses better access loans. Alongside the rule changes is a two week special window where small businesses’ applications get priority. The application period starts Wednesday, February 24th.

In a nutshell: if you’re a one-person business, sole proprietor, self-employed, or an independent contractor, this is your best opportunity to get a PPP loan. All you need is your Schedule C from your 2019 or 2020 tax return and a financial institution (ideally your bank) to apply.

Special Application Period for Small Businesses

If your business has 20 or fewer employees, or if you are a sole proprietor, independent contractor, or self employed individual, you may be eligible for the special PPP application. The funding formula has been changed to allow small business owners easier access to more funding.

Whether or not you have already received a PPP loan, you can apply for this round. You must be able to show a loss of revenue of 25% or more in any quarter of 2020 from 2019.

Additional changes to the program include:

  • Elimination of restrictions due to outstanding student loan debt
  • Relaxed restrictions for business owners who have been convicted of a felony
  • Eligibility for non-citizen business owners
  • Taking steps to address racial disparities in who receives the loans

Where To Apply

Your best bet is to approach your bank if you already have a relationship with one. If you don’t already have a bank to work with, local organizations like Justine Peterson can help refer you to banks or other funding sources. Additionally, services such as Biz2Credit can help you apply and receive funding.

Carrollton Bank offers personal one-on-one service for small businesses who are applying for a PPP loan for the first time. They can also help if you have applied with another lender but haven’t received a response, or if you were denied a loan on a previous application. Contact Nikki Woelfel at 314-347-9671 or, or Suzanne Hough at 314-346-6310 or

How To Apply

We encourage you to apply as soon as possible—the application period opens on Wednesday, February 24th. When you apply, you will need to gather some information.

If you have employees

For small businesses with 20 or fewer employees, make sure to collect the following documents:

  • Business income tax returns
  • IRS forms 940 and 941
  • Entity formation documents
  • Payroll summaries

If you’re a sole proprietor, independent contractor, or self-employed

Businesses without employees will need these documents:

  • Income tax returns
  • Invoices, bank statements, or other records showing the business was active as of February 15th, 2020

Seeking Forgiveness

The PPP loans are forgivable in many cases. Otherwise, you may be eligible for an interest rate as low as 1% per year. Find out more about the PPP forgiveness program here. If your loan is for less than $150,000, you will need to file the fairly simple form 3508-S. Your lender should be able to help you navigate this process.

Support Dutchtown Businesses

The COVID-19 pandemic has hung over our heads for a year. Businesses everywhere are struggling. We hope that you are able to use this information to help keep your business running as we look towards brighter days.

Refer your fellow business owners to this page by telling them to visit And join your fellow neighborhood business owners in the Dutchtown Business Owners Facebook group to help each other with PPP loans and anything else that keeps our businesses open.

This Valentine’s Day, shop Dutchtown and get some unique finds for your sweetheart! Plus, you’ll have chances to win great prizes from our neighborhood merchants! Read on to learn how you can win, and find out more about special events happening on the day before Valentine’s.

How To Win

Join Us on Facebook

We’re making it easy to win—just join the Dutchtown Business District group on Facebook! In this new group, you’ll be able to keep up on the latest from our neighborhood business owners—new shops, new inventory, new sales, and more.

All you have to do is join the Facebook group by February 11th. On February 12th we’ll have a random drawing in which several lucky followers win gift certificates from a variety of Dutchtown businesses. Winners must pick up their gift certificates in person. Go on a Dutchtown shopping spree!

Participating Merchants

More Valentine’s Fun in Dutchtown

Cross Grand Selfie Photo Contest

Cross Grand, Downtown Dutchtown’s creative service agency, has a fun contest with great prizes. Take a selfie with your sweetie and write a three sentence love letter. Submit your letter and your photo by February 12th. You’ll be entered to win a basket loaded with a $20 gift certificate, stuffed animal, chocolate basket, and liquor bouquet. Plus you’ll get a 30 minute couples photo shoot with five edited images!

Forget Me Not’s Valentine’s Day Party

Forget Me Not Boutique at 4213 Virginia Avenue celebrates Valentine’s Day on February 13th with treats and specials. Sip while you shop and enjoy some chocolates to keep your spirits lifted. Shoppers can take advantage of free gift wrapping and get $10 off when they spend $50. And one lucky shopper will win a gift basket featuring merchandise from Forget Me Not.. Come shop from 10am to 5pm.

Valentine’s Treats at Perfectly Pastry

Perfectly Pastry, located in the Urban Eats Neighborhood Food Hall, offers special treats throughout the week leading up to Valentine’s Day. Find cupcakes, mini fruit pies, chocolate covered strawberries, and more. Perfectly Pastry is open from 7:30am to 2pm Wednesday through Friday and 8am to 2pm on Saturday and Sunday.

The Dutchtown Business Showcase returns! Our video series will introduce you to some of the businesses throughout Dutchtown and the people who make them run. In this episode, we visited pastry chef Chris Phillips at Perfectly Pastry. Perfectly Pastry is located at the Urban Eats Neighborhood Food Hall in Downtown Dutchtown.

About Perfectly Pastry

Carrot cake muffin, peanut butter energy balls, and cinnamon roll from Perfectly Pastry in Downtown Dutchtown, St. Louis, MO.

Established in 2019, Perfectly Pastry carries a fantastic line of breakfast pastries, muffins, cupcakes, cookies, and other sweet treats. Many of their items are keto friendly or vegan. In addition to the offerings available at their Dutchtown retail space which opened in the fall of 2020, they also do wholesale baking for a number of coffee shops and other customers throughout the St. Louis region. The wholesale operation runs out of the shared commercial kitchen at Urban Eats.

Serving the Community

Beyond that, Chef Chris and her daughters/business partners offer coaching and resources to help others start their baking business. They also work with justice involved women to teach them baking and business skills, and they partner with Guardian Angel and other non-profits to help raise funds.

Find Perfectly Pastry

Perfectly Pastry is located at 3301 Meramec Street at the Urban Eats Neighborhood Food Hall in Downtown Dutchtown. The space is also home to Juanita’s Creole Soul Café and Tacos La Jefa, as well as pop-up food events featuring some of their Shared Kitchen partners.

Visit Perfectly Pastry on Wednesday, Thursday, and Friday from 7:30am to 2pm and on Saturday and Sunday from 8am to 2pm. You can also find Perfectly Pastry on Facebook, Twitter, and Instagram.

In previous episodes of the Dutchtown Business Showcase we’ve visited Cassandra Logan of Logan’s Kids Resale and Chef Curtis McCann at Juanita’s Creole Soul Café. You can also find these and other videos at our new DutchtownSTL YouTube Channel (like and subscribe!).

Video filming and production by Chip Smith of Cross Grand.

Welcome back to the Dutchtown Business Showcase! In this video series, we’ll be introducing you to some of the businesses throughout Dutchtown. Our second episode takes us to Juanita’s Creole Soul Café, where we meet Chef Curtis McCann.

Chef Curtis started in the catering business. In the summer of 2020, he moved into the Urban Eats Neighborhood Food Hall to open Juanita’s and showcase his culinary skills that were influenced by his grandmother (the eponymous Juanita) and the creole food of New Orleans. The success of his Downtown Dutchtown location has led him to open a second location in North St. Louis, coming January 9th to 1823 North Taylor Avenue.

Juanita’s is open Wednesday through Sunday, 11:30am to 7pm. Due to COVID-19, the Neighborhood Food Hall is currently takeout only (with sidewalk seating available on warmer days). You can also have Juanita’s delivered via Grubhub, DoorDash, and Postmates.

Supporting Dutchtown Businesses

Particularly during the current pandemic, Dutchtown businesses need your support. Restaurants especially struggle during the early, colder months of the year. But you can help keep our neighborhood strong and vibrant just by ordering dinner! Please consider ordering takeout or delivery from Juanita’s Creole Soul or any of our other wonderful Dutchtown restaurants for your next meal. Some restaurants are offering limited dine-in service as well.

DT2 and are developing resources to help support our neighborhood businesses. If you’re a new or established business owner, visit to see what we have to offer. And if you’d like to have your business featured in the Dutchtown Business Showcase, get in touch with us.

This Dutchtown Business Showcase video was filmed and produced by Chip Smith of Cross Grand, also located in Downtown Dutchtown. Subscribe to the DutchtownSTL YouTube channel to catch the next Dutchtown Business Showcase coming soon!

Early forecasts suggest we’re not in for a White Christmas in 2020. Nonetheless, these snow-covered photos from Dutchtown past got us in the holiday spirit! These old photos are of two prominent estates once located in Downtown Dutchtown near Meramec Street and Virginia Avenue.

At the top is the Barnard Mansion, formerly near the corner of Meramec Street and Virginia Avenue. Below is the John Withnell Dunn House which once stood on the 3400 block of Meramec.

The historic photos were colorized by Mark Loehrer. Mark is a local historian who runs the Arch City History Instagram account that features thousands of colorized images from neighborhoods across St. Louis. There is an Arch City History online shop where you can purchase prints of many of the photos at modest prices.

Mark’s collection includes dozens of Dutchtown photos worthy of their own post someday. For now though, while admiring the winter wonderland surrounding these stately homes, we’ll take a closer look at the influential figures who lived in these houses and were a couple of Dutchtown’s earliest citizens.

John Withnell Dunn House, 3418 Meramec Street in Downtown Dutchtown. Colorized by Mark Loehrer of Arch City History.

John Withnell Dunn

The John Withnell Dunn House was built in 1873 at 3418 Meramec Street. Dunn was the nephew of John Dunn, a contractor and stone mason who built both the Old Cathedral and the Missouri State Capitol. The uncle also donated a small building in Dutchtown that was used as St. Anthony of Padua’s first gathering space.

John Withnell Dunn was a three term member of the Missouri House of Delegates who made a small fortune in real estate. He was an active parishioner at St. Thomas of Aquin Catholic Church. The parish is no longer in operation, but the church and school still stand just north of Laclede Park at Iowa and Osage.

Dunn was also a prolific amateur photographer and a member of the St. Louis Camera Club during the rise of photography in the late 1800s. His son, J. W. Dunn, Jr., seemed to revel in sharing his father’s photography collection after the elder had passed away.

Photos of various amusement activities taken by John Withnell Dunn.
Photos by John Withnell Dunn appearing in the St. Louis Star and Times.

Dunn passed in 1931 at the age of 86. He was buried at Calvary Cemetery after a funeral at St. Thomas of Aquin. The home was demolished in the 1940s to make way for a supermarket. The replacement building is now home to Resalat Community Center.

William D. W. Barnard

William H. D. Barnard Mansion at Meramec and Virginia. Colorization by Mark Loehrer of Arch City History.

Dr. William D. W. Barnard was a wholesale druggist who built his estate in Dutchtown prior to the Civil War. The mansion at 3316 Meramec Street sat on a vast plot of land. Later the home was moved around the corner to 4227 Virginia Avenue. The home was demolished in 1962 to make way for the current low-rise apartment building.

Barnard was related to the Dent family and a cousin to Julia Dent, wife of General Ulysses S. Grant. The Barnards once hosted the Grants at their South Side home. When Grant was just a lieutenant in the Army, Barnard offered him financial assistance in a time of need. Later, President Grant would return the favor when Barnard faced business troubles.

Barnard passed at the City Hospital in 1902 at the age of 74.

Dr. William D. W. Barnard, from the August 9th, 1902 St. Louis Republic.

If you’re in search of more history from Dutchtown and beyond, head over to the Arch City History Instagram page. And check out some of the prints for sale—they make great holiday gifts!