• COVID-19: Business Triage

  • COVID19 Business Triage Rome, Ga
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  • PPP PPP

    The Paycheck Protection Program (PPP) is a loan designed to provide a direct incentive for small businesses to keep their workers on payroll. Borrowers may be eligible for PPP loan forgiveness.

    SBA is currently offering PPP loans originated only by participating community financial institutions including Certified Development Companies (CDCs), SBA Microlenders, Community Development Financial Institutions (CDFIs), and Minority Depository Institutions (MDIs) until May 31, 2021 or until remaining funds are exhausted. Please note that not all community financial institutions are participating in PPP.

    1. Find an eligible lender that is participating in PPP:

    2. Identify a loan:

    • First Draw PPP loans: If you have not received a PPP loan before, First Draw PPP loans are available to you.
    • Second Draw PPP loans: If you have previously received a PPP loan, certain businesses are eligible for a Second Draw PPP loan.

     

    SBA also offers additional COVID-19 relief.

     

    EIDL EIDL

    Small business owners and qualified agricultural businesses in all U.S. states and territories are currently eligible to apply for a low-interest loan due to COVID-19.

    Agricultural businesses with 500 or fewer employees are now eligible as a result of new authority granted by Congress in response to the pandemic.

    Agricultural businesses include those businesses engaged in the production of food and fiber, ranching, raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)).

    Supplemental Materials

    Loan increases

    Loans approved prior to April 7, 2021 for less than $500,000 are likely eligible for an increase based on new loan maximum amounts announced March 24, 2021. Businesses that received a loan subject to the previous loan limit can submit a request for an increase at this time. SBA is now reaching out directly to loan borrowers via email to provide more details about how businesses can request an increase. Borrowers should expect to receive emails from @sba.gov or @updates.sba.gov addresses. *

    (* Borrowers who experience problems sending email using the link in the message they received must be sure to remove any additional characters that may appear in front of the email address.)

    If an applicant accepted a loan for less than the full amount originally offered, the applicant will have up to two years after the date of the loan promissory note to request additional funds. Applicants may continue to request additional funds even after the application deadline of December 31, 2021.

    COVID-19 EIDL Loan Application

    APPLY HERE

    Targeted EIDL Advance

    The COVID-19 Targeted EIDL Advance was signed into law on December 27, 2020, as part of the Economic Aid to Hard-Hit Small Businesses, Non-Profits, and Venues Act. The Targeted EIDL Advance provides businesses in low-income communities with additional funds to ensure small business continuity, adaptation, and resiliency.

    Advance funds of up to $10,000 will be available to applicants in low-income communities who previously received an EIDL Advance for less than $10,000, or those who applied but received no funds due to lack of available program funding.

    Applicants do not need to take any action.

    SBA is reaching out to those who qualify.

    SBA first reached out to EIDL applicants who already received a partial EIDL Advance (between $1,000 - $9,000). Applicants are being contacted directly by SBA via email with instructions to determine eligibility and submit documentation. 

    All communication from SBA will be sent from an official government email account ending with @sba.gov. Please do not send sensitive information via email to any address that does not end with @sba.gov.

    Applicants may qualify if they:

    • Are in a low-income community. To help applicants determine if they are in a low-income community as defined in section 45D(e) of the Internal Revenue Code, a mapping tool is available at https://sbaeidl.policymap.com/app. The business address must be in a low-income community to qualify so SBA encourages potential applicants to check the map to see if they meet the low-income community eligibility requirement before they apply; and
    • Can demonstrate more than 30% reduction in revenue during an eight-week period beginning on March 2, 2020, or later. If an applicant meets the low-income community criteria, they will be asked to provide gross monthly revenue (all forms of combined monthly earnings received, such as profits or salaries) to confirm the 30% reduction. 

     

    Next, SBA is reaching out to those who applied for EIDL assistance on or before December 27, 2020, but did not receive an EIDL Advance due to lack of program funding. These applicants will receive an email from SBA with instructions to determine eligibility and submit documentation. Applicants may qualify for a Targeted EIDL Advance if they meet the low-income location and reduction-in-revenue criteria, and:

    • Have 300 or fewer employees. Business entities normally eligible for the EIDL program are eligible, including sole proprietors, independent contractors, and private, nonprofit organizations. Agricultural enterprises are not eligible. 

     

    All applicants may be asked to provide an IRS Form 4506-T to allow SBA to request tax return information on the applicant's behalf.

    Please do not submit duplicate COVID-19 EIDL applications. Only prior applicants will be considered for the Targeted EIDL Advance.

    SBA will reach out if you qualify.

    Supplemental materials

    Supplemental Targeted Advance

    The Supplemental Targeted Advance provides the smallest and hardest hit eligible businesses with a supplemental payment of $5,000 that does not have to be repaid. Even if you have previously received the original EIDL Advance in the full amount of $10,000, you may be eligible for the Supplemental Targeted Advance if you meet eligibility criteria. The combined amount of the Supplemental Targeted Advance ($5,000) with any previously received EIDL Advance or Targeted EIDL Advance ($10,000) will not exceed $15,000.

    Completing the Targeted EIDL Advance application is a requirement to be considered for the Supplemental Targeted Advance, and SBA is reaching out directly to those who may qualify.

    Before applying, make sure your small business meets all the following eligibility criteria:

    • Is located in a low-income community. Use this mapping tool to see if your business is in a low-income community as defined in section 45D(e) of the Internal Revenue Code. The business address must be in a low-income community to qualify, so SBA encourages you to check the map before you apply; and
    • Can prove more than a 50% economic loss during an eight-week period beginning on March 2, 2020, or later, compared to the same period of the previous year. Applicants need to provide gross monthly revenue (all forms of combined monthly earnings received, such as profits or salaries) from January 2019 to the current month-to-date; and
    • Has 10 or fewer employees. This includes sole proprietors, independent contractors, private nonprofit organizations, and others that usually qualify for the EIDL program. However, agricultural businesses, such as farmers and ranchers, are not eligible for the Supplemental Targeted Advance. Farmers and ranchers may still apply for loan assistance through the COVID-19 EIDL program.

    All application decisions or requests for additional information will be sent from an official government email account ending with @sba.gov. Do not send sensitive information via email to any address that does not end with @sba.gov.

    All application decisions will be communicated via email. If approved, you will receive an email notification and a direct ACH deposit to the bank account provided in your original application for the Targeted EIDL Advance.

    EIDL Advance (NO LONGER AVAILABLE)

    EIDL Advance funds were originally calculated based on the number of employees on an applicant's COVID-19 EIDL application: $1,000/employee, up to a maximum of $10,000.

    • EIDL Advance does not have to be repaid.
    • Recipients did not have to be approved for an EIDL to receive the EIDL Advance.
    • The amount of the loan Advance was deducted from total loan eligibility.
    • Businesses who received an EIDL Advance in addition to the Paycheck Protection Program (PPP) loan will no longer have the amount of the EIDL Advance subtracted from the forgiveness amount of their PPP loan.

     

    If you already applied for PPP loan forgiveness and had the amount of your EIDL Advance subtracted from the forgiveness amount, guidance has been published.

    EIDL applications are still being processed, even though applications for the Advance are no longer available.

    Please do not submit additional applications on the COVID-19 EIDL portal.

    Existing borrowers

    Existing borrowers can create an account in the SBA Capital Access Financial System (CAFS) to monitor their loan status. Get account enrollment instructions.

    Program data

    COVID-19 relief program reports

     

    EIDL data

     

    EIDL Advance data

    Additional information

     

    Restaurant Revitalization Fund Restaurant Revitalization Fund

    Plan Act established the Restaurant Revitalization Fund (RRF) to provide funding to help restaurants and other eligible businesses keep their doors open. This program will provide restaurants with funding equal to their pandemic-related revenue loss up to $10 million per business and no more than $5 million per physical location. Recipients are not required to repay the funding as long as funds are used for eligible uses no later than March 11, 2023.

    Sign up to receive email alerts from SBA as additional information about the Restaurant Revitalization Fund becomes available.

    Supplemental documents

    Get help with your application

    Federal guidelines require that we provide the same and equal information to each applicant. Therefore, SBA staff are limited on responses we can provide to applicants, including specific questions regarding RRF eligibility, potential award amount, and other detailed information. Some key information to know:

    • For detailed information about how to calculate your award amount, please consult page 7-9 of the RRF program guide
    • The IRS 4506T form is signed with your application during the e-sign process. You do not need to submit an additional 4506T.
    • If you are entering a state in the address section(s) use the abbreviation in capital letters (e.g., PA, TX, ME, WA, etc.).

     

    For assistance preparing your application, you can access the following:

     

    You can also watch a previously recorded webinar training to help you prepare:

     

    For assistance with your submitted application:

    • Submit a message using the application platform inbox (preferred)
    • Call center support: 844-279-8898

    Who can apply

    Eligible entities who have experienced pandemic-related revenue loss include:

    • Restaurants
    • Food stands, food trucks, food carts
    • Caterers
    • Bars, saloons, lounges, taverns
    • Snack and nonalcoholic beverage bars
    • Bakeries (onsite sales to the public comprise at least 33% of gross receipts)
    • Brewpubs, tasting rooms, taprooms (onsite sales to the public comprise at least 33% of gross receipts)
    • Breweries and/or microbreweries (onsite sales to the public comprise at least 33% of gross receipts)
    • Wineries and distilleries (onsite sales to the public comprise at least 33% of gross receipts)
    • Inns (onsite sales of food and beverage to the public comprise at least 33% of gross receipts)
    • Licensed facilities or premises of a beverage alcohol producer where the public may taste, sample, or purchase products

    Cross-program eligibility on SBA COVID-19 relief options

    How to apply

    You can apply through SBA-recognized Point of Sale (POS) vendors or directly via SBA in a forthcoming online application portal: https://restaurants.sba.gov. Participating POS providers include Square, Toast, Clover, NCR Corporation (Aloha), and Oracle. If you are working with Square or Toast, you do not need to register beforehand on the https://restaurants.sba.gov application portal.

    Registration with SAM.gov is not required. DUNS or CAGE identifiers are also not required.

    If you would like to prepare your application, view the sample application form. You will be able to complete this form online. Please do not submit RRF forms to SBA at this time.

    SBA Form 3172

    Additional documentation required:

    • Verification for Tax Information: IRS Form 4506-T, completed and signed by Applicant. Completion of this form digitally on the SBA platform will satisfy this requirement.
    • Gross Receipts Documentation: Any of the following documents demonstrating gross receipts and, if applicable, eligible expenses
      • Business tax returns (IRS Form 1120 or IRS 1120-S)
      • IRS Forms 1040 Schedule C; IRS Forms 1040 Schedule F
      • For a partnership: partnership’s IRS Form 1065 (including K-1s)
      • Bank statements
      • Externally or internally prepared financial statements such as Income Statements or Profit and Loss Statements
      • Point of sale report(s), including IRS Form 1099-K

    For applicants that are a brewpub, tasting room, taproom, brewery, winery, distillery, or bakery:

    • Documents evidencing that onsite sales to the public comprise at least 33.00% of gross receipts for 2019, which may include Tax and Trade Bureau (TTB) Forms 5130.9 or TTB. For businesses who opened in 2020, the Applicant’s original business model should have contemplated at least 33.00% of gross receipts in onsite sales to the public. 

    For applicants that are an inn:

    • Documents evidencing that onsite sales of food and beverage to the public comprise at least 33.00% of gross receipts for 2019. For businesses who opened in 2020, the Applicant’s original business model should have contemplated at least 33.00% of gross receipts in onsite sales to the public.

    When to apply

    Applications are now open.

    Priority period

    Days 1 through 21

    SBA will accept applications from all eligible applicants, but only process and fund priority group applications. See “Priority groups” below.

    During this period, SBA will fund applications where the applicant has self-certified that it meets the eligibility requirements for a small business owned by women, veterans, or socially and economically disadvantaged individuals. 

    See “Set asides” below.

    Open to all applicants

    Days 22 through funds exhaustion

    SBA will accept applications from all eligible applicants and process applications in the order in which they are approved by SBA.

    Priority groups

    • A small business concern that is at least 51 percent owned by one or more individuals who are:
      • Women, or
      • Veterans, or
      • Socially and economically disadvantaged (see below).
    • Applicants must self-certify on the application that they meet eligibility requirements
    • Socially disadvantaged individuals are those who have been subjected to racial or ethnic prejudice or cultural bias because of their identity as a member of a group without regard to their individual qualities.
    • Economically disadvantaged individuals are those socially disadvantaged individuals whose ability to compete in the free enterprise system has been impaired due to diminished capital and credit opportunities as compared to others in the same business area who are not socially disadvantaged.

    Set asides

    1. $5 billion is set aside for applicants with 2019 gross receipts of not more than $500,000
    2. An additional $4 billion is set-aside for applicants with 2019 gross receipts from $500,001 to $1,500,000
    3. An additional $500 million is set-aside for applicants with 2019 gross receipts of not more than $50,000

    *SBA reserves the right to reallocate these funds at the discretion of the Administrator.

    Funding amount

    Payment calculations

    For detailed information about how to calculate your award amount, please consult page 7-9 of the RRF program guide.

    Calculation 1: for applicants in operation prior to or on January 1, 2019:

    • 2019 gross receipts minus 2020 gross receipts minus PPP loan amounts

     

    Calculation 2: for applicants that began operations partially through 2019:

    • (Average 2019 monthly gross receipts x 12) minus 2020 gross receipts minus PPP loan amounts

     

    Calculation 3: for applicants that began operations on or between January 1, 2020 and March 10, 2021 and applicants not yet opened but have incurred eligible expenses:

    • Amount spent on eligible expenses between February 15, 2020 and March 11, 2021 minus 2020 gross receipts minus 2021 gross receipts (through March 11, 2021) minus PPP loan amounts

    For those entities who began operations partially through 2019, you may elect (at your own discretion) to use either calculation 2 or calculation 3.

    Maximum and minimum amounts

    SBA may provide funding up to $5 million per location, not to exceed $10 million total for the applicant and any affiliated businesses. The minimum award is $1,000.

    Gross receipts

    For the purposes of this program, gross receipts does not include:

    • Amounts received from Paycheck Protection Program (PPP) loans (First Draw or Second Draw)
    • Amounts received from Economic Injury Disaster Loans (EIDL)
    • Advances on EIDL (EIDL Advance and Targeted EIDL Advance)
    • State and local grants (via CARES Act or otherwise)
    • SBA Section 1112 payments

    Allowable use of funds

    Funds may be used for specific expenses including:

    • Business payroll costs (including sick leave)
    • Payments on any business mortgage obligation
    • Business rent payments (note: this does not include prepayment of rent)
    • Business debt service (both principal and interest; note: this does not include any prepayment of principal or interest)
    • Business utility payments
    • Business maintenance expenses
    • Construction of outdoor seating
    • Business supplies (including protective equipment and cleaning materials)
    • Business food and beverage expenses (including raw materials)
    • Covered supplier costs
    • Business operating expenses

    What to expect after you have applied

    • As outlined by Congress, SBA will review applications from priority applications groups first. Applicants who have submitted non-priority applications will remain in "Review" status while priority applications are processed during the first 21 days. We do not anticipate communicating with applicants in "Review" status during this period.
    • Following a successful application submission, all applications will enter “IRS verification” status. This process may take up to seven days and allows the SBA to validate your application submission.

     

    Shuttered Venue Operators Grant Shuttered Venue Operators Grant

    Shuttered Venue Operators Grant

    This grant provides emergency assistance for eligible venues affected by COVID-19.

    Content

    APPLY HERE

    Program details

    The Shuttered Venue Operators Grant (SVOG) program was established by the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act, and amended by the American Rescue Plan Act. The program includes over $16 billion in grants to shuttered venues, to be administered by SBA’s Office of Disaster Assistance.

    Eligible applicants may qualify for grants equal to 45% of their gross earned revenue, with the maximum amount available for a single grant award of $10 million. $2 billion is reserved for eligible applications with up to 50 full-time employees.

    Supplemental documents

    FAQs: The list of Frequently Asked Questions (FAQs) answers common questions about the SVOG program, defines terms, and provides additional guidance. Please refer to and carefully review the FAQs for guidance as you complete the SVOG application.

    Application Checklist: The Application Checklist is provided to assist you with gathering and preparing the necessary materials (documentation, information, and technology) needed for the SVOG application. Some of these items will be required, and some are examples of items that can be submitted as supporting evidence. The Application Checklist lists materials needed by all applicants as well as applicant-specific information. The application will direct you as you go through the application portal for your specific applicant type.

    Applicant User Guide: The Applicant User Guide is a tool for technical assistance to guide applicants through the SVOG application portal with step-by-step instructions. Screenshots in the User Guide are for illustration purposes only. Content in the application portal will appear differently for different applicants

     

    SVOG-specific information about the IRS form 4506-T

    Who can apply

    Eligible entities include:

    • Live venue operators or promoters
    • Theatrical producers
    • Live performing arts organization operators
    • Museum operators
    • Motion picture theater operators (including owners)
    • Talent representatives

     

    Other requirements of note:

    • Must have been in operation as of February 29, 2020
    • Venue or promoter who received a PPP loan on or after December 27, 2020, will have the SVOG reduced by the PPP loan amount

    Grant amount

    Grant amounts will reflect either of the following instances:

    • For an eligible entity in operation on January 1, 2019, grants will be for an amount equal to 45% of their 2019 gross earned revenue OR $10 million, whichever is less.
    • For an eligible entity that began operation after January 1, 2019, grants will be for the average monthly gross earned revenue for each full month you were in operation during 2019 multiplied by six (6) OR $10 million, whichever is less.

    How to apply

    Those who have suffered the greatest economic loss will be the first applications processed under the following schedule:

    Note: On January 20, 2021, SBA updated the proposed plan for issuing grants during the first and second priority periods. To clarify, priority awardees will not need to satisfy the small employer set-aside. During the first 59 days of opening SVOG, SBA will reserve no less than $2 billion of program funding for grants to entities that have no more than 50 employees.

    First priority

    First 14 days of grant awards

    Entities that suffered a 90% or greater gross revenue loss between April 2020 through December 2020 due to the COVID-19 pandemic.

    Second priority

    Next 14 days of grant awards

    Entities that suffered a 70% or greater gross revenue loss between April 2020 through December 2020 due to the COVID-19 pandemic.

    Third priority

    Beginning 28 days after first and second priority awards are made

    Entities that suffered a 25% or greater earned revenue loss between one quarter of 2019 and the corresponding quarter of 2020.

    Supplemental funding

    Available after all Priority Periods have passed

    Recipients of first, second, and third priority round awards who suffered a 70% or greater revenue loss for the most recent calendar quarter (as of April 1, 2021, or later).

    Allowable use of funds

    Funds may be used for specific expenses, which include:

    • Payroll costs
    • Rent payments
    • Utility payments
    • Scheduled mortgage payments (not including prepayment of principal)
    • Scheduled debt payments (not including prepayment of principal on any indebtedness incurred in the ordinary course of business prior to February 15, 2020)
    • Worker protection expenditures
    • Payments to independent contractors (not to exceed $100,000 in annual compensation for an individual employee of an independent contractor)
    • Other ordinary and necessary business expenses, including maintenance costs
    • Administrative costs (including fees and licensing)
    • State and local taxes and fees

    SBA debt relief SBA debt relief

    SBA debt relief

    SBA offers debt relief to existing SBA loan borrowers whose businesses have been impacted by COVID-19.

    Content

    7(a), 504, and Microloans

    Initial debt relief assistance

    As a part of the CARES Act, SBA is authorized to pay six months of principal, interest, and any associated fees that borrowers owe for all 7(a), 504, and Microloans reported in regular servicing status (excluding Paycheck Protection Program loans). This debt relief to borrowers was originally dependent on the loan being fully disbursed prior to September 27, 2020, and does not apply to loans made under the Economic Injury Disaster Loan program.

    These original provisions were amended on December 27, 2020, through the Economic Aid to Hard-Hit Small Businesses, Non-Profits and Venues Act (Economic Aid Act). The Economic Aid Act revised the eligibility criteria for assistance to include all 7(a), 504, and Microloans approved up to September 27, 2020, even if not fully disbursed. All other provisions for initial debt relief remained the same.

    Borrowers need not apply for this assistance. SBA provides this assistance automatically as provided below:

    • For loans not on deferment, SBA will make monthly payments based on the next payment due on eligible loans for a total amount equivalent to no more than six months of installment payments.
    • For loans currently on deferment, SBA will begin making monthly payments with the first payment due after the deferment period ends for a total amount equivalent to no more than six months of installment payments.

    SBA has notified 7(a), 504, and Microloan lenders that it will pay these borrower loan payments. Lenders are to report to SBA periodically on the amounts due once a loan is fully disbursed. Payments collected after March 27, 2020, may be applied to the outstanding loan balance or returned to the borrower at the borrower’s discretion.

    Additional debt relief assistance

    The Economic Aid Act also authorized additional debt relief payments to 7(a), 504, and Microloan borrowers beyond the six-month period prescribed in the CARES Act. The level of assistance varies based on when the loan was approved and will begin on or after February 1, 2021. Please contact your lender for questions on the availability of this assistance for your SBA loan.

    The initiatives described are limited to the level of available funding provided by Congress.

    Disaster Home and Business Loans

    Existing SBA disaster loans approved prior to 2020 in regular servicing status as of March 1, 2020, received an automatic deferment of principal and interest payments through December 31, 2020. This initial deferment period was subsequently extended through March 31, 2021. An additional 12-month deferment of principal and interest payments will be automatically granted to these borrowers. Borrowers will resume their regular payment schedule with the payment immediately preceding March 31, 2022, unless the borrower voluntarily continues to make payments while on deferment. It is important to note that the interest will continue to accrue on the outstanding balance of the loan throughout the duration of the deferment.

    What does an “automatic deferral” mean to borrowers?

    • Interest will continue to accrue on the loan.
    • The automatic deferment will be reflected on the March 2021 monthly payment notice (SBA Form 1201);
    • Borrowers will not receive monthly payment notices (SBA Form 1201) during the deferment period;
    • Borrowers will be contacted via the SBA’s automated dialing system using the telephone number associated with the SBA loan approximately one month before the automatic deferment ends. This correspondence will serve as a reminder to borrowers of their upcoming Next Installment Due date in place of the monthly payment notice (SBA Form 1201);
    • Borrowers are strongly encouraged to create an account in SBA’s Capital Access Financial System (CAFS) to monitor their loan status. Get account enrollment instructions;
    • The deferment will not stop any established Preauthorized Debit (PAD) or recurring payment on the loan. Borrowers with an SBA established PAD will have to contact their SBA servicing center to stop recurring payments during the deferment period. Borrowers that have established a PAD through Pay.Gov or any other bill pay service are responsible for terminating recurring payments during the deferment period;
    • Borrowers preferring to continue making regular payments during the deferment period may continue remitting payments during the deferment period. SBA will apply those payments normally as if there was no deferment;
    • After the automatic deferment period ends, borrowers will be required to resume making regular principal and interest payments.
    • For SBA disaster home and business loans covered under the previous Procedural Notices authorizing automatic deferments, borrowers will be required to resume making regular principal and interest payments after the automatic deferment period ends March 31, 2022;
    • For eligible SBA disaster home and business loans approved in 2020, borrowers will be required to resume making regular principal and interest payments 12-months from their Next Installment Due Date pursuant to the terms of the Loan Authorization; and
    • Upon request, SBA will evaluate borrower circumstances on a case-by-case basis to determine the nature and extent of further relief that may be appropriate for each situation.

    If you have questions about your current loan and whether or not your loan is automatically deferred, please contact your loan servicing office directly using the following information:

    • Birmingham Disaster Loan Servicing Center:
      • Phone: 800-736-6048
      • Email: BirminghamDLSC@sba.gov
    • El Paso Disaster Loan Servicing Center:
      • Phone: 800-487-6019
      • Email: ElPasoDLSC@sba.gov

    SBA Procedural Notice on additional deferments for existing and new SBA disaster loan borrowers

    Lender guidance

    7(a) and 504 Loan guidance

    Latest guidance:

     

    Previous guidance:

    Microloan guidance

    Latest guidance:

    Previous guidance:

    Other documents

     

  • Georgia Safety Promise

    What is the Georgia Safety Promise? It’s a statewide campaign from the Governor’s Office and the Georgia Department of Health that encourages businesses and the public to agree to simple, but critical, measures that will keep Georgians safe from COVID-19, minimize spread of the virus, and keep Georgia open for business.

    Learn more here. 

    georgia_safety_promise

    CDC-Returning to Work

    Updated Nov. 27, 2020
    What you need to know
    • In general, the more closely you interact with others and the longer that interaction, the higher the risk of COVID-19 spread.
    • If you return to work, continue to protect yourself by practicing everyday preventive actions.
    • Keep these items on hand when returning to work: a mask, tissues, and hand sanitizer with at least 60% alcohol, if possible.
    • Considerations for returning to work

      Do you have or think you might have COVID-19, or have you been around someone who has the virus?

      Are you or someone in your household at increased risk of severe illness? You may need to take extra precautions.

      • If you are at increased risk for severe illness, check with your employer to see if there are policies and practices in place to reduce your risk at work, like telework or modified job responsibilities.

      Are you the primary caregiver for your child or someone else? If so, here are some things to think about:

      • If someone else will be taking care of your child, ask them to review information about caring for children.
      • If someone else will be providing care for a household member that is at increased risk of severe illness or needs extra precautions, ask them to review this information.

      Are there ways you can minimize the number of people you interact with?

      • In addition to any measures your business may have implemented to reduce your risk (e.g., installed barriers), take additional steps to minimize the number of people you interact with.
      • Interacting with more people raises your risk since some people may have the virus and not know it since they have no symptoms.
      • Can you have virtual meetings to limit the number of in-person interactions?
      • When interacting with other people, are policies in place for colleagues or customers to wear a mask and to keep 6 feet of space between others?

      What’s the length of time that you will be interacting with people?

      • Spending more time with people who may be infected increases your risk of becoming infected.
      • Spending more time with people increases their risk of becoming infected if there is any chance that you may already be infected.

      Protect yourself and others in the workplace

      Stay home when needed

      Monitor your health

      • Be alert for symptoms. Watch for fever, cough, shortness of breath, or other symptoms of COVID-19.
      • Take your temperature if symptoms develop.
        • Don’t take your temperature within 30 minutes of exercising or after taking medications that could lower your temperature, like acetaminophen.
      • Follow CDC guidance if symptoms develop.

      Wear a mask

      • Wear a mask in public settings where staying 6 feet apart (about two arms length) is not possible. Interacting without wearing a mask increases your risk of getting infected.
      • Wearing a mask does not replace the need to practice social distancing.
      • Wear masks to help keep from getting and spreading COVID-19.

      Social distance in shared spaces

      • Maintain at least 6 feet of distance between you and others. COVID-19 spreads easier between people who are within 6 feet of each other.
        • Keeping distance from other people is especially important for people who are at increased risk for severe illness, such as older adults and those with certain medical conditions.
        • Indoor spaces are more risky than outdoor spaces where it might be harder to keep people apart and there’s less ventilation.
      • Avoid close contact with others on your commute to work, if possible. Consider biking, walking, driving either alone or with other members of your household. Learn how to protect yourself when using transportation to commute to work.

      Wash your hands often

      • Wash your hands often with soap and water for at least 20 seconds or use hand sanitizer with at least 60% alcohol if soap and water are not available. If your hands are visibly dirty, use soap and water over hand sanitizer.
      • Avoid touching your eyes, nose, and mouth if you haven’t washed your hands.

      Cover your coughs and sneezes

      • Remember to cover your mouth and nose with a tissue when you cough or sneeze, or use the inside of your elbow. Throw used tissues into no-touch trash cans and immediately wash hands with soap and water for at least 20 seconds.
        • If soap and water are not available, use hand sanitizer containing at least 60% alcohol.

      Avoid sharing objects and equipment

      • Avoid using other employees’ phones, desks, offices, or other work tools and equipment, when possible. If you cannot avoid using someone else’s workstation, clean and disinfect before and after use.

      Clean and disinfect frequently touched surfaces and objects

      • Clean and disinfect frequently touched objects and surfaces, like workstations, keyboards, telephones, handrails, and doorknobs. Dirty surfaces can be cleaned with soap and water before disinfection.
      • To disinfect, use these EPA-registered disinfectantsexternal icon.

      Returning to work after quarantine or isolation

      Quarantine keeps someone who might have been exposed to the virus away from others. Learn when to start and end quarantine.

      Isolation separates someone who is infected with the virus from others. Learn when you can be around others after being sick.

      Cases of reinfection of COVID-19 have been reported but are rare. In general, reinfection means a person was infected (got sick) once, recovered, and then later became infected again. Based on what we know from similar viruses, some reinfections are expected.

    Access to Capital for Entrepreneurs, Inc. Access to Capital for Entrepreneurs, Inc.

    ACE’s Relief, Recovery and Reinvention strategy is a new access to capital program that will support small businesses in hard-hit populations and sectors working to reimagine their business model for profitability and sustainability in this new pandemic economy. ACE recently received funding to help support small businesses during the pandemic. Businesses eligible are required to fit within the following criteria:

    • Developed or implemented a pivot strategy and need capital to implement or scale it; or have a defensive COVID-neutral strategy and need capital to maintain strong growth

    • Time in business 2 years or greater

    • Loans Over $50K, Up to $200K

    -Target Market: Primarily underserved communities and minorities

    There are two major benefits:

    1. Interest Rate Reduction to 3% for the term of loan. Terms up to 10 years (Determined based on Purpose/Collateral)

    Interest rate and promissory note will reflect a 3% fixed interest rate until maturity. Terms and interest rate after maturity will be subject to current loan rates and other qualifying requirements at the time of maturity.

    2. Payment relief will be supported by the grant for a period up to nine (9) months provided borrowers meet the required Business Advisory/Technical Assistance conditions and make the first six (6)

    monthly P&I payments. (P&I payments in month seven thru fifteen will be made for you through the grant and your payments will resume in month sixteen.)

     

    Thank you for being a partner to ACE and I am looking forward to working with you and your referrals to get the local businesses back on track to support their employees, families and communities.

     

    ACE specializes in growing small businesses with Capital, Coaching, & Connections

     

    Zab Mendez

    Commercial Loan Officer

    O:  706.847.4246

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  • The City of Rome has been notified of an additional allocation of CARES Act funds through the Community Development Block Grant program in the amount of $255,497.
    The funds must be used to prevent, prepare for and respond to the coronavirus (COVID-19). This allocation must also be used for an eligible activity that meets all the CDBG regulations and national objectives. The City's 2019-2023 Consolidated Plan and 2019 Action Plan are going through an amendment in order to be able to access these funds for use in the community.
    Please see the attached public notice for additional information and visit the Community Development website for additional details and to view the draft plan document: https://romefloyd.com/departments/community-development
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  • COVID LOCAL FINANCIAL RESOURCES
  • Rome, GA Floyd County
  • The Community Foundation for Greater Rome is announcing the COVID-19 Recovery Fund, an initiative to help local nonprofits and small businesses address the long-term needs of our community members impacted by the coronavirus pandemic

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  • Applications are being accepted for the remaining funds beginning August 4, 2020 until the funds are exhausted.

    The City of Rome, through the Community Development Department, will provide operating assistance to business owners for the purpose of assisting small businesses that are in jeopardy as a result of the on-going COVID-19 pandemic and public safety measures. Retail, commercial, service and entertainment businesses that rely on customers making purchases at their establishments are especially affected by the pandemic. This program is designed to provide relief to those types of businesses that have been negatively affected by the pandemic resulting in a decline and/or loss of revenue. 

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  • Encuentre más información sobre préstamos para la Administración de Pequeñas Empresas en los enlaces a continuación en varios idiomas.

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  • Northwest Georgia Regional Commission’s

    Cares Act Recovery Assistance Micro-Loan RLF Program

     

    The Northwest Georgia Regional Commission (NWGRC) is the recipient of a new Economic Development Administration Revolving Loan Fund grant for the region’s small businesses.  Micro-loan funds are available to aid in efforts to alleviate the sudden and severe economic dislocation of the region’s small businesses and to seek significant improvement in employment in the region caused by the coronavirus (COVID-19) pandemic.  Eligible small businesses must be located in Bartow, Catoosa, Chattooga, Dade, Fannin, Floyd, Gilmer, Gordon, Haralson, Murray, Paulding, Pickens, Polk, Walker, or Whitfield counties. 

     

    Small business owners may apply for up to a 7-year term, low interest loan ranging from $3,000 to $50,000 (Other loan amounts may be considered).  Loans below $20,000 may be eligible without collateral (Personal Guarantee Required).  Loan amounts above $20,000 will require additional collateral. 

     

    Please contact Jennifer Whorton at jwhorton@nwgrc.org for an application, to discuss your business’s needs, and additional information.

  • The Community Development Department is now accepting applications for the Emergency Rental Utility Assistance Program (ERUG). The program provides one-time grants to individuals and families renting a residential property inside the city limits of Rome who have lost income directly related to COVID-19 (loss of job, reduction of hours, missed work time due to quarantine, etc). Please read the information provided on this post for details.

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  • U.S. Small Business Administration Disaster Office Contacts

    If you would like to coordinate information calls, briefings and other resources at the regional, state and local level, please reach out to the following contacts:

    Federal Regions I-V (States/Territories East of Mississippi River):
    Michael Lampton, Public Affairs Supervisor, michael.lampton@sba.gov
    Mark Ihenacho, Lead Public Affairs Specialist, mark.ihenacho@sba.gov

  • Local Assistance

    SBA works with a number of local partners to counsel, mentor, and train small businesses. The SBA has 68 District Offices, as well as support provided by its Resource Partners, such as SCORE offices, Women’s Business Centers, Small Business Development Centers and Veterans Business Outreach Centers. When faced with a business need, use the SBA’s Local Assistance Directory to locate the office nearest you.

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  • The Rome Floyd Chamber seeks to provide access to recommendations, regulations, services and expertise to its members.  During the COVID-19 pandemic, this mission remains constant.  Prior to acting, members should consult their own professional advisors for information and counsel specific to the individual and unique situations faced by organizations, individuals and corporations.  The opinions, interpretations and recommendations of the Rome Floyd Chamber are informational only and should not be relied upon by the recipient as legal or professional advice.  The Rome Floyd Chamber makes no representations as to the accuracy or reliability of the content contained herein.  Users of this information accept any and all risks associated with the use of such information and agree that the Rome Floyd Chamber has no liability to user.

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