SOUTH HAVEN — Like many retail shop and restaurant owners in South Haven, Chris Campbell had to scramble to figure out how to keep his business going when the COVID-19 pandemic erupted in Michigan in March, forcing many retail businesses to temporarily close in an effort to stop the spread of the virus.

First, the owner of SoHa Surf Shop began promoting gift card purchases while setting up an online store that debuted a week ago, and offering curbside service. He also obtained a loan from the federal Paycheck Protection Program to help cover payroll, rent and utilities during the pandemic.