COVID-19 Resources
Emergency Capital Programs & Funding Opportunities
- Small Business Administration Emergency Capital Programs
- SBA Disaster Assistance Customer Service Center: can be reached at 1-800-659-2955 (TTY: 1-800-877-8339) and disastercustomerservice@sba.gov for questions and guidance on the loan application process, including business eligibility.
- Disaster Assistance Loans (low-interest, long-term loans up to $2 million): the first payment is deferred for 12 months. The application has been simplified and can be completed 100% online through the SBA web portal.
- SBA Express Bridge Loan: allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. These loans can be a term loan or used to bridge the gap while applying for SBA Economic Injury Disaster Loan funding.
- SBA Debt Relief: the SBA is providing a financial reprieve to small businesses during the COVID-19 pandemic.
- PPP Loan Forgiveness
- Coronavirus Response and Relief Supplemental Appropriations Act of 2021 (CRRSAA)
What we know: Small Business owners will have an opportunity to apply for a second round of PPP if they meet new eligibility criteria as outlined in the “Detailed Summary of Legislation” document below. The bill includes many changes to former PPP guidelines, including set-asides for some industry sectors, business size groups and, grants to certain types of entertainment/venue operations, and set-asides for organizations that conduct micro-lending to under-served segments of the population. The numerous changes will take the US Small Business Administration (SBA) several weeks to implement (the small business provisions alone are more than 1,000 pages in the more than 5,000 page bill). We will continue to keep you updated as details are finalized.- U.S. Small Business Administration (SBA) PPP Resources:
- Updated First Draw Forms and Procedures
- Top-line Overview of PPP First Draw Loans
- Form 2483 – First Draw Borrower Application
- Form 2484 – First Draw Lender Guaranty Application
- Procedural Notice – First Draw Paycheck Protection Program Loan Increases After Enactment of the Economic Aid Act
- How to Calculate Maximum Loan Amounts for First Draw PPP Loans and What Documentation to Provide – By Business Type
- Second Draw Forms and Procedures
- Top-line Overview of PPP Second Draw Loans
- Form 2483-SD – Second Draw Borrower Application
- Form 2484-SD – Second Draw Lender Guaranty Application
- Second Draw Paycheck Protection Program (PPP) Loans: How to Calculate Revenue Reduction and Maximum Loan Amounts Including What Documentation to Provide (Released 1/19/2021)
- Second-Draw-PPP-Loans–How-Calculate-Revenue-Reduction-Maximum-Loan-Amounts-Including-Documentation-Provide1192021.pdf (treasury.gov)
- Additional Guidance
- Procedural Notice 5000-20074– Modifications to SBA Forms 3506, 3507, and 750 CA (for purposes of PPP only)
- Procedural Notice 5000-20075– Repeal of EIDL Advance Deduction Requirement for SBA Loan Forgiveness Remittances to PPP Lenders
- Procedural Notice – PPP Borrower Resubmissions of Loan Forgiveness Applications Using Form 3508S, Lender Notice Responsibilities to PPP Borrowers, and Offset of Remittances to Lender for Lender Debts
- Procedural Notice – Paycheck Protection Program Excess Loan Amount Errors
- Interim Final Rule on Loan Forgiveness Requirements and Loan Review Procedures as Amended by Economic Aid Act (Released 1/19/2021)
- Borrower’s Disclosure of Certain Controlling Interests (Released 1/19/2021)
- PPP Guidance from SBA Administrator Carranza on Accessing Capital for Minority, Underserved, Veteran, and Women-owned Business Concerns
- For more information and updates, visit SBA.gov/PPP or Treasury.gov/CARES
- PPP Forgiveness
- Forgiveness Frequently Asked Questions
- PPP Loan Forgiveness Application Form 3508 (Revised 1/19/21)
- PPP Loan Forgiveness Application Form 3508EZ (Revised 1/19/21)
- PPP Loan Forgiveness Application Form 3508S (Revised 1/19/21)
- Updated First Draw Forms and Procedures
- Additional PPP Resources
- U.S. Small Business Administration (SBA) PPP Resources:
- Coronavirus Response and Relief Supplemental Appropriations Act of 2021 (CRRSAA)
- SBA Disaster Assistance Customer Service Center: can be reached at 1-800-659-2955 (TTY: 1-800-877-8339) and disastercustomerservice@sba.gov for questions and guidance on the loan application process, including business eligibility.
- SEDA-COG EDA COVID-19 Loan
The new SEDA-COG EDA COVID-19 Loan Fund is for businesses negatively impacted by COVID-19. For-profit businesses can apply for loans of at least $10,000 starting now until funds are exhausted. No payments are due in the first six months. The total amount of the fund is $400,000. The interest rate is 3.25%. Businesses must be in SEDA-COG’s region of Centre, Clinton, Columbia, Juniata, Lycoming, Mifflin, Montour, Northumberland, Perry, Snyder, and Union counties. - “At Your Side” Small Business Grant Program (Closes January 28)
The program will support brick-and-mortar small businesses in designated Main Street districts as they work to adapt to COVID-19 and prepare for the next phases of reopening across the country, while also helping to revitalize and strengthen older and historic commercial corridors. Grants of $5,000 to $10,000 will be awarded on a competitive basis. - Mainstreet Lending Program
The Federal Reserve developed the Main Street Lending Program to help credit flow to small and medium-sized businesses that were in sound financial condition before the pandemic. The program is for businesses with 15,000 or fewer employees who had 2019 revenues of $5 billion or less, and requires minimum loans of $250,000. Loans through this program will go through eligible lenders. - GoFundMe Small Business Relief Fund
As part of the Small Business Relief Initiative, GoFundMe, Intuit QuickBooks, Yelp, GoDaddy, and Bill.com have each donated to the Small Business Relief Fund. GoFundMe.org, the charitable and advocacy arm of GoFundMe, started the Small Business Relief Fund to benefit small businesses. Supporters can donate to the Small Business Relief Fund, which will issue $500 matching grants to qualifying businesses that raise at least $500 on GoFundMe. - PA 30 Day Fund Grants
PA 30 Day Fund, a Pennsylvania non-profit, is providing forgivable loans for Pennsylvania-based small businesses. The forgivable loan is intended to provide immediate financial assistance (within maximum three days) to meet payroll, preserve healthcare coverage for employees and save jobs while they await recently approved federal funding. - Surdna
Several grants are available to existing and established businesses owned by people of color. - Grantstation Grant Locator
This database allows you to find the latest COVID-19 grant funding opportunities for nonprofits, small businesses, journalists, and artists, updated each business day and listed by deadline date. - CovidCAP.com
CASE and CASE i3 at Duke University’s Fuqua School of Business launched a searchable website to help any entrepreneur in the world, for-profit or nonprofit, struggling due to the economic impacts of COVID-19, to locate cash relief resources in their community.
Unemployment Compensation Information
- PA Department of Labor and Industry Information for PA Employees Impacted by COVID-19
If you are employed in Pennsylvania and are unable to work because of Coronavirus disease (COVID-19), you may be eligible for Unemployment or Workers’ Compensation benefits. The Department of Labor & Industry will continue to provide important employment benefit updates as the situation evolves. - US Chamber of Commerce Backgrounder on Unemployment Insurance Under the CARES Act
The CARES Act significantly expanded access to the unemployment insurance (UI) system for American workers who suffer job losses or reduced hours through no fault of their own. - US Chamber of Commerce’s Guide to Coronavirus Paid Leave Programs
State and Local Information & Resources
- PA Department of Community and Economic Development (DCED) Business COVID-19 Resources
Businesses have a vast network of services that they can contact to discuss the impact of the Coronavirus on their daily operations and the future of their business. Staff at the Pennsylvania Department of Community and Economic Development (DCED), as well as local partner networks, are available to help businesses through this challenging time.- DCED COVID-19 PPE & Supplies Business-2-Business (B2B) Interchange Directory
The immediate goal of this B2B Interchange Directory is simple: to provide an opportunity for companies and other entities in need of PPE and other critical items to make a B2B connection as they may choose with manufacturers and suppliers of COVID-19 related items. Company and product information provided in this directory were gathered in good faith as a means of connecting Pennsylvania businesses and organizations that are seeking various PPE and other related items to combat the COVID-19 crisis. The information made available is from those entities who voluntarily contacted the commonwealth through the Manufacturing Call to Action Portal or the Pennsylvania Critical Medical Supplies Procurement Portal.
- DCED COVID-19 PPE & Supplies Business-2-Business (B2B) Interchange Directory
- PA Chamber Business Resources for Coronavirus
The Pennsylvania Chamber of Business and Industry is dedicated to helping business across the Commonwealth. Now that the coronavirus has made its way to the U.S., the chamber is providing resources for Pennsylvania businesses about how to help their company, their employees and their families. - Updates from the Governor’s Office
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For more information about what you can do to protect yourself, your family, business, neighbors, and community visit PA.GOV/COVID
- Check out our Community Resources for downloadable posters, social media materials, and other free marketing materials
- Download the COVID Alert PA app
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- Landlord Toolkit for Reopening to COVID-19 Impacted Tenants
- Clinton County Chamber of Commerce Coronavirus Resources
Federal Updates
- Tax Credits for Coronavirus
Small and mid-size employers may begin using two new refundable payroll tax credits to obtain reimbursement for the costs of providing coronavirus related leave to their employees, the U.S. Department of Labor (DOL) and Internal Revenue Service (IRS) announced on March 20, 2020. This Compliance Bulletin provides the DOL and IRS’ guidance.
- CDC Reopening Guidelines
The CDC published detailed guidelines for reopening schools and businesses that have been shut down in the coronavirus pandemic. The 60-page document is the most extensive guidance yet offered by the health agency.
National Resources for Small Businesses
- ASBDC and AWBC USA’s Federal Resources for Small Businesses
America’s SBDCs are working to help small businesses address the challenges of the coronavirus disease 2019 (COVID-19) pandemic. This website has compiled resources, events, and resiliency guides for small business owners. - US Chamber of Commerce COVID-19 Resource Page
Complete coronavirus coverage, updated daily with new resources to assist you and your business.- Ready to Reopen: Playbook for Small Business: A guide to helping businesses of all types and in all regions navigate the complex process of reopening and evolving post-coronavirus pandemic.
- Reopening Business Digital Resource Center
- Business Reopening Digital Resources Toolkit
- State by State Reopening Guide: The latest guidance and information to America’s employers, including an interactive state map and state guides.
- SCORE Small Business Resilience Hub
With the recent news and concerns of the novel coronavirus (COVID-19), SCORE is sharing the latest business resources, assistance and guidance. - Google for Small Business COVID-19 Resources
Google has compiled tips, resources, and recommendations to help small businesses navigate COVID-10 for their employees and customers. - Facebook for Business Resource Hub
Facebook has developed a resource center to provided small businesses with resources to help them navigate any unexpected challenges they may face during the COVID-19 outbreak. - eBay “Up and Running”
The new program was created to help new small businesses transitioning to e-commerce through the COVID-19 crisis. The program includes free basic eBay store subscription and waive selling fees for 3 month, 500 free listing, and guidance and resources needed to run business on eBay. - Hello Alice COVID-19 Business Resource Center
Updated daily, with real-world funding, resources, and support for small business owners adapting to the impacts of coronavirus. - American Express Stand for Small
Educational resources, network connections, offers and mentorship opportunities from global companies to help address your business needs. - Mainstreet America
As COVID-19 begins to have an increasingly significant impact on communities across the country, Mainstreet America has compiled resources and opportunities to help Main Street districts during this crisis. The site includes information regarding Federal guidelines and programs to Main Street program support and small business resources. - COVID-19 Information on help for Women Entrepreneurs and Nonprofits
A comprehensive list of resources for nonprofits and women entrepreneurs to navigate Coronavirus (COVID-19). - Bizminer LookUP Initiative – Free reports for small business owners that include customized operational, financial and local market comparisons to their competition.
Business Resiliency/Continuity Resources
- The Washington Small Business Development Center (SBDC) Business Resiliency Toolkit
- Ready.gov – Toolkits, videos and plans for business continuity. Disasters and Emergency preparation by topic.
- FEMA Business Continuity Plan and Emergency Preparation