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Coronavirus, COVID-19 Business Resources & Information

NJDOH: Update to Close Contact Definition - Date: 10/23/2020

Business Guidance: Which businesses may be open and what guidelines must be followed

CDC: Resuming Business Toolkit

New Jersey Department of Labor & Workforce Development Releases Return to Work Guidelines:

NJDOL Returning to Work Guidelines - Date: 2/19/2021

NJDOL and the Coronavirus (COVID-19): Updated Information for Employers and Businesses

Returning to Work Amid COVID-19: Employees and Employers FAQs 

 

To view COVID-19/Novel Coronavirus Information for New Jersey Businesses, click here

If you have an urgent need for workers as a result of the COVID-19 crisis, click on the following link: https://jobs.covid19.nj.gov/intake

To view the NJ Department of Labor & Workforce Development's page on NJ Workers: Frequently Asked Questions about the various programs and benefits available to NJ workers, click here.

OSHA: Guidance on Preparing Workplaces for COVID-19

CDC: Reopening Guidance for Cleaning and Disinfecting Public Spaces, Workplaces, Businesses, Schools, and Homes

U.S. Chamber of Commerce: Reopening Business Digital Resources Center - As part of their Path Forward initiative, this Digital Resources Center provides the latest state guidelines, sector-specific guidance, small business advice, and other tools and resources to help employers and employees return to work safely and successfully.  This site will regularly update these tools and resources as new information becomes available.

NJDOH: Interim Coronavirus Disease 2019 (COVID-19) Guidance fro Migrant and Seasonal Farmworkers, Their Employers, and Housing Providers - Date: 5/20/2020

 

Coronavirus Pandemic Federal Relief Update for New Jerseyans: The American Rescue Plan - Compiled by the Office of U.S. Senator Cory Booker

 

Bridgeton Area Chamber of Commerce - The Bridgeton Area Chamber of Commerce is a not-for-profit, private business corporation formed in 1890’s.  The Chamber serves as the region’s leading business advocate, promotes education, communication, cooperation and commerce among its members in order to strengthen their organizations; creates and sustains a strong entrepreneurial culture in the area; assists in retention and expansion of existing businesses and in the attraction of new businesses; and enhances the economy and the quality of life in the communities it serves.  We focus all of our activities on implementing our core mission to provide opportunities for members to increase their bottom-line profitability.  Service area: Western Cumberland County, Southern New Jersey 

Cumberland County Improvement Authority - The CCIA, working in tandem with the Cumberland County Board of Chosen Freeholders, provides superior economic development, educational and recreational opportunities to the region.  The CCIA Mission: The Development, Financing and Integration of Projects, Strategies and Initiatives Integral to the Sustainability of the Economic and Environmental Future of the County.

Cumberland Development Corporation - Cumberland Development Corporation is a non-profit, community and economic development agency, that serves the following municipalities and their business community: Commercial, Deerfield, Hopewell, Lawrence, Shiloh, Stow Creek, and Upper Deerfield.

Greater Millville Chamber of Commerce - The mission of the Greater Millville Chamber of Commerce is to be an advocate for the business community and support the financial health of our business owners through networking opportunities, educational services and support for pro-business legislation at the local, state and national levels.

Greater Vineland Chamber of Commerce - Incorporated in 1919, the Greater Vineland Chamber of Commerce is an independent non-profit organization made up of approximately 500 businesses.  The Chamber exists to help our business community have a collective voice and facilitate activities that help our members succeed. 

 

Best Practices for Reopening After COVID-19 Shutdown:

The Cumberland County Improvement Authority (CCIA) has put together a list of best practices for companies looking to re-open from across the country that has been compiled to serve as a base guideline for businesses in various sectors in Cumberland County.  These are suggested protocols that would be the next step - not a full or unrestricted reopening, but the next stage of increasing the amount of commerce and interaction that can safely occur as New Jersey starts the reopening process.

Best Practices for Reopening After COVID-19 Shutdown: Guidelines for Industry for Safe Reopening - Date: 5/2020

 

Important Announcements:

Cumberland County COVID-19 Cultural, Recreational & Hospitality Assistance Grant Program - Guidelines and Application

Cumberland County Offers COVID-19 Assistance to Rural Small Businesses

Coronavirus State & Local Fiscal Recovery Funds - FAQs

Important update on Treasury Guidance for ARP state and local funding, legislative updates, and some more NJ-specific news

NJ Human Services Announces $15 Million in Grants for Summer Youth Camps

Governor Murphy, Governor Cuomo and Governor Lamont Announce Significant Easing of Covid-19 Pandemic Restrictions on Businesses, Gatherings and Venues

With COVID-19 Numbers Trending Decisively in the Right Direction, Governor Murphy Announces Additional Easing of Restrictions

Governor Murphy Signs Legislation Providing $25 Million in Small Business Aid

SBA Launches Portal to Begin Accepting Shuttered Venue Operators Grant Applications on April 8

American Rescue Plan Act Elevates Small Business Support in Response to COVID-19 Pandemic

NJEDA Announces $2 Million Micro Lender Support Grant Program

Governor Murphy and Governor Cuomo Announce Indoor Dining in New Jersey and NYC Will Expand to 50 Percent Capacity Beginning March 19

Menendez, Booker Release Details of American Rescue Plan

Governor Murphy Signs Executive Order Raising Indoor Capacity Limits from 25 Percent to 35 Percent for Certain Businesses

Executive Order No. 219

Governor Murphy Signs Executive Order Pausing Indoor Practices and Competitions for Youth and Adult Sports and Lowering Limits on Outdoor Gatherings

Executive Order No. 204

NJ Department of Community Affairs: Restaurants & Similar Uses - Guidance for the Utilization of Outdoor Space During the Winter Months

Department of Community Affairs Issues Outdoor Dining Guidance to Help Restaurants and Similar Establishments Adapt to the Ongoing COVID-19 Pandemic

Governor Murphy Signs Executive Order Extending Public Health Emergency in New Jersey

Executive Order No. 200

Governor Murphy Signs Executive Order Lowering Limits on Indoor and Outdoor Gatherings

Executive Order No. 196

Governor Murphy Signs Executive Order Permitting Municipalities and Counties to Impose Additional Restrictions on the Hours of Operation of Non-Essential Businesses after 8:00 P.M.

Executive Order No. 195 

Governor Murphy Announces New COVID-19 Mitigation Measures

Executive Order No. 194

U.S. Department of Labor Issues Guidance Alerting Employers to Frequently Cited Standards Related to COVID-19 Inspections

Governor Murphy Signs Executive Order to Protect New Jersey's Workforce During the COVID-19 Pandemic

Executive Order No. 192

Governor Murphy Signs Executive Order Extending Public Health Emergency in New Jersey

Executive Order No. 191 

Governor Murphy Signs Executive Order Extending 2019 Corporate Business Tax Calendar Year Return Filing Deadline

Executive Order No. 189

 Governor Murphy, Lieutenant Governor Oliver, Legislative Leadership, and Congressional Representatives Announce Additional $100 Million for COVID-19 Economic Recovery

Governor Murphy and Superintendent Callahan Announce Administrative Order Clarifying that Health Club Facilities Located in Hotels, Motels, Condominiums, Cooperatives, Corporate Offices, and Other Businesses Can Open

NJOEM Administrative Order No. 2020-21: Health Clubs - Date: 9/8/2020 

Governor Murphy Signs Executive Order Allowing the Resumption of Indoor Dining Effective Friday, September 4

NJDOH: Health and Safety Standards for Indoor Dining Pursuant to Executive Order No. 183

Executive Directive No. 20-030: Health and Safety Standards for Indoor Dining at Retail Food or Beverage Establishments Pursuant to Executive Order No. 183

Executive Order No. 183

NJDOH: New Jersey Guidelines for Health Clubs/Gyms/Fitness Centers - Date: 8/27/2020

NJDOH Executive Directive No. 20-028: Guidelines for Health Clubs/Gyms/Fitness Centers Pursuant to Executive Order No. 181

Governor Murphy Signs Executive Order Allowing Gyms and Indoor Amusement and Water Parks to Reopen Effective Tuesday, September 1

Executive Order No. 181

Governor Murphy Announces the First Phase of the Small and Micro Business PPE Access Program 

Governor Murphy Announces Decreased Indoor Gathering Capacity Limit

Executive Order No. 173 

Governor Murphy Announces Main Street Commercial Corridors Relief

Governor Murphy Signs Executive Order Requiring Individuals to Wear Masks in Outdoor Public Spaces When They Cannot Social Distance

Executive Order No. 163

Governor Murphy Signs Executive Order Temporarily Pausing the Resumption of Indoor Dining

Executive Order No. 158

Governor Murphy Signs Executive Order Establishing Rules for Indoor Dining, Indoor Recreational Facilities, and Individualized Instruction at Gyms and Fitness Centers

NJDOH Executive Directive No. 20-019 (Revised)

Executive Order No. 157

Governor Murphy Announces Increased Indoor and Outdoor Gathering Capacity Limits

Executive Order No. 156

Governor Murphy and Superintendent Callahan Announce Indoor Portions of Retail Shopping Malls May Reopen on June 29

NJOEM Administrative Order No. 2020-16

NJEDA: State Seeks Recommendations for Ensuring Equitable Access to PPE for Businesses and Non-Profits as Economy Begins to Reopen

SBA's Economic Injury Disaster Loans and Advance Program Reopened to All Eligible Small Businesses and Non-Profits Impacted by COVID-19 Pandemic

SBA and Treasury Announce New and Revised Guidance Regarding the Paycheck Protection Program

Governor Murphy and Superintendent Callahan Announce Curbside Pickup at Libraries and Clarifications Regarding Certain Business Activities

NJOEM Administrative Order No. 2020-15

Governor Murphy Signs Executive Order Allowing Personal Care Service Facilities to Open Effective June 22

NJDCA Administrative Order No. 2020-09: Reopening of Personal Care Services

Executive Order No. 154 

Governor Murphy Signs Executive Orders Lifting Limits on Indoor and Outdoor Gatherings, Opening Pools Effective June 22, and Opening Additional Outdoor Recreational Businesses

Executive Order No. 153

Executive Order No. 152 

NJDOH: New Jersey COVID-19 Youth Summer Camp Standards

NJDOH: Youth Camps COVID-19 Attestation Form

State Health Department Issues COVID-19 Guidelines for Summer Youth Camps

Governor Murphy Announces Outdoor Dining Protocols and Process to Expand Premises for Liquor License Holders

NJ Division of Alcoholic Beverage Control: SR 2020-10: Special Ruling Establishing Temporary COVID-19 Permit to Expand Licensed Premises

Executive Directive No. 20-014: COVID-19 Protocols for Food or Beverage Establishments Offering Service in Outdoor Areas Pursuant to Executive Order No. 150

Executive Order No. 150

Governor Murphy Announces New Jersey to Enter Stage Two of Restart and Recovery on June 15th

NJ DCF Announces Safety Guidelines to Reopen Childcare Centers

Governor Murphy and Superintendent Callahan Announce Health and Safety Protocols for Horse Racing

Governor Murphy Signs Executive Order Allowing Resumption of Child Care Services, Youth Day Camps, and Organized Sports Over the Coming Weeks

Executive Order No. 149

Governor Murphy Signs Executive Order Increasing Capacity Limit on Outdoor Gatherings

Executive Order No. 148

Murphy Administration Outlines COVID-19 Guidance for Seasonal Farm Workers and Employers

NJDOH: Maintaining and Reopening Building Water Systems Impacted by Prolonged Shutdown or Reduced Operation: Minimizing Legionella and Opportunistic Bacteria Growth

NJDOH: Interim Coronavirus Disease 2019 (COVID-19) Guidance fro Migrant and Seasonal Farmworkers, Their Employers, and Housing Providers 

Governor Murphy and Superintendent Callahan Announce Administrative Order Authorizing In-Person Sales at Car Dealerships, Motorcycle Dealerships, Boat Dealerships, and Bike Shops

NJOEM Administrative Order No. 2020-13: Essential Retail Businesses

Governor Murphy Signs Executive Order Allowing Certain Outdoor Recreational Businesses and Community Gardens to Open with Social Distancing Measures in Place

Executive Order No. 147

Governor Murphy Unveils Multi-Stage Approach to Execute a Responsible and Strategic Restart of New Jersey's Economy

Governor Murphy Signs Executive Order to Reopen Charter Fishing and Watercraft Rental Businesses

Executive Order No. 146

Governor Murphy Signs Legislation Authorizing the Sale of Alcoholic Beverages by Certain License and Permit Holders for Takeout and Delivery

Governor Murphy Signs Executive Order Allowing Beaches, Boardwalks, Lakes, and Lakeshores to Remain Open with Social Distancing Measures in Place

Executive Order No. 143 

Governor Murphy Signs Executive Order Permitting Resumption of Non-Essential Construction, Curbside Pickup at Non-Essential Retail Businesses, and Gatherings in Cars

Executive Order No. 142

CCSNJ: South Jersey Economic Reopening & Recovery Plan

Governor Murphy Signs Executive Order Suspending In-Person Requirements for Marriages and Receipt of Working Papers for Minors

Executive Order No. 135

Governor Murphy Signs Executive Order Reopening State Parks and Golf Courses

Executive Order No. 133

Governor Murphy and Superintendent Callahan Announce Clarifications to List of Essential Businesses Permitted to Operate

NJOEM Administrative Order No. 2020-10: Essential Retail Businesses

Joint Statement by SBA Administrator Jovita Carranza and Treasury Secretary Steven T. Mnuchin on the Resumption of the Paycheck Protection Program

Congressman Van Drew to Support Small Businesses with Additional Boost to Paycheck Protection Program, Disaster Loans, and Funding for Hospitals and Testing to Treat COVID-19

NJ Senate President Sweeney Names Sarlo and Oroho as Fiscal Recovery Strategists for Economic Comeback from COVID Crisis

Guidelines: Opening Up America Again

Governor Murphy Takes Action on Legislation

Governor Murphy Signs Legislation to Expand Family Leave Protections During COVID-19 Outbreak

Guidance for Self-Employed Individuals Filing a Pandemic Unemployment Assistance Claim

Governor Murphy Signs Executive Order to Cease All Non-Essential Construction Projects and Imposes Additional Mitigation Requirements on Essential Retail Businesses and Industries to Limit the Spread of COVID-19

Executive Order No. 122

Joint Statement by Governor Murphy, Senate President Sweeney, and Assembly Speaker Coughlin Regarding NJ Tax Deadline Extension

Governor Murphy and Superintendent Callahan Announce Updates and Clarifications to List of Businesses Permitted to Operate

NJOEM Administrative Order 2020-6: Essential Businesses

COVID-19 Update as of March 25, 2020

Governor Murphy Signs Executive Order Requiring Child Care Centers Close on April 1 Unless Serving Children of Essential Workers

 

Coronavirus Aid, Relief, and Economic Security (CARES) Act & Coronavirus Response and Relief Supplemental Appropriations Act of 2021:

The Coronavirus Aid, Relief, and Economic Security (CARES) Act and the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 provide fast and direct economic assistance for American workers, families, and small businesses, and preserve jobs for American industries.  Click here to visit the resources page from the U.S. Department of the Treasury.

 

Small Business Paycheck Protection Program:

The Paycheck Protection Program is providing small businesses with the resources they need to maintain their payroll, hire back employees who may have been laid off, and cover applicable overhead.

Click here to visit the Small Business Paycheck Protection Program through the U.S. Department of the Treasury.

Independent Contractors/Self-Employed (Pandemic Unemployment Assistance):

Pandemic Unemployment Assistance (PUA) was created under the Federal Coronavirus Aid, Relief, and Economic Security (CARES) Act. This provides assistance to workers who are considered self-employed, independent contractor, gig, or platform workers. Please see the notices below on information to see if you are eligible to receive the benefit.

NJ Labor Department to Begin Making Pandemic Unemployment Assistance Payments this Week

Self-Employment NJ Workers: Frequently Asked Questions During the Coronavirus Emergency

Guidance for Self-Employed Individuals Filing a Pandemic Unemployment Assistance Claim

 

Families First Coronavirus Response Act:

Families First Coronavirus Response Act: Questions & Answers

 

Small Business Administration:

SBA Launches Portal to Begin Accepting Shuttered Venue Operators Grant Applications on April 8

American Rescue Plan Act Elevates Small Business Support in Response to COVID-19 Pandemic

The American Rescue Plan Act, signed into law on March 11 by President Biden. The law provides more assistance for the existing COVID-19 economic aid programs the SBA is administering and provides new programs for the hardest hit entities. The SBA will immediately begin work on new programs in the Act and launch them as quickly possible to deliver the intended economic assistance. Supporting all small businesses across the nation that continue to struggle in the wake of the COVID-19 pandemic with fair and equitable relief is the cornerstone of this landmark legislation. (SBA news release)

Disaster Loans
On Friday, March 13, the SBA extended deferment periods for all disaster loans, including COVID-19 Economic Injury Disaster Loans, until 2022 (SBA news release)

  • All SBA disaster loans made in calendar year 2020, including COVID-19 EIDLs, will have a first payment due date extended from 12 months to 24 months from the date of the note.
  • All SBA disaster loans made in calendar year 2021, including COVID-19 EIDLs, will have a first payment due date extended from 12 months to 18 months from the date of the note.


Shuttered Venue Operators Grant

The U.S. Small Business Administration has completed rigorous testing and the Shuttered Venue Operators Grant application portal will reopen on Saturday, April 24.
Interested applicants should register for an account in advance through the portal.


COVID-19 Relief Program Report – updated with data as of March 11, 2021; key PPP points include:

  • More than 2.5 million PPP loans totaling more than $168 billion have been approved in the 2021 PPP funding round
  • 85% of the PPP loans in the 2021 funding round are for less than $100,000
  • 92% of PPP loans in the 2021 funding round have gone to businesses with 20 employees or fewer
  • Approx. 39% of PPP loans have completed the forgiveness process and across all loan sizes, over 99% of loan value has been forgiven
  • Non-bank lenders are reaching underserved businesses with a larger proportion of their loans; Community Financial Institutions (which include CDFIs, MDI, microloan intermediaries and CDCs which traditional provide capital to underserved markets).
  • The current round of PPP is on pace to pass some of the defined set-asides in the statute.


Paycheck Protection Program


For the newest round of PPP funding, which began on January 11, 2021, SBA has guaranteed over 2.7 million PPP loans for more than $181.4 billion after submission by 5,209 participating lenders. These numbers represent an increase from last week of roughly 300,000 loans; an increase of 25.2 billion net approval dollars; and an increase of participating lenders of 24.

PPP dollars are assisting the smallest of small businesses, a key priority of the Biden-Harris Administration. The data points bear that out:

  • The overall average for 2021 PPP loan size is at its lowest point in the program, approximately $66,000, falling by $2,000 last week
    o For historical reference, last week the average loan size was $68k, the week before $71k, preceded by $73k and $75k respectively.
  • 74.8% of 2021 PPP loans are for $50,000 or less. This is the highest percentage of PPP loans right now and an increase in count share of 1.3% since last week.
  • Over 91% of 2021 PPP loans are for $150,000 or under.


This data further confirms the most recently issued SBA COVID-19 Relief Program Report as of Mar. 11, 2021 which shows the current round of PPP is successfully reaching smaller borrowers:

  • 85% of the PPP loans in the 2021 funding round are for less than $100,000
  • 92% of PPP loans in the 2021 funding round have gone to businesses with 20 employees or fewer
  • Approx. 39% of PPP loans have completed the forgiveness process and across all loan sizes, over 99% of loan value has been forgiven


PPP Approvals by State/Territory in the Atlantic Region:
NY 182,944 PPP loans $14,896,337,348

An increase from 159,782 PPP loans (+23,162) PPP loans from the last week, and an increase of approved dollars from $13,183,759,422 (+$1,712,577,926) in the same time.

New York State has the second largest amount of net approved PPP dollars for 2021, behind only California. It has the fourth largest number of PPP loans that have received the federal guarantee, behind California, Texas and Florida.

NJ 71,587 PPP loans $5,798,481,906
An increase from 63,732 PPP loans (+7,855) from the last report, and an increase of approved dollars from $5,206,721,178 (+$591,760,728) in the same time.

PR 13,638 PPP loans $553,431,054
An increase from 12,154 PPP loans (+1,484) from the last report, and an increase of approved dollars from $498,193,502 (+$55,237,552) in the same time.

USVI 454 PPP loans $43,108,492
An increase from 375 (+79) PPP loans from the last report, an increase of approved dollars from $36,210,686 (+$6,897,806)


Top Industries Receiving PPP Approvals
Accommodation & Food Service (NAICS Code 72) tops the list with 17% of all 2021 PPP loans approved, followed by
Construction (13%)
Professional, Scientific & Technical Services (11%)
Health & Social Assistance (11%)
Manufacturing (9%)


Any Questions, please call or email your Local Lender Relations Specialist
For New Jersey:
Sheryl Paynter / Lead LRS: Sheryl.Paynter@sba.gov or 973-645-3582 covers SOUTH Atlantic, Cape May, Cumberland, Middlesex, Monmouth, Ocean, and Salem Counties
Erika Pearson / LRS: Erika.Pearson@sba.gov or 973-645-6160 covers CENTRAL Burlington, Camden, Gloucester, Hunterdon, Mercer, and Somerset Counties
Claudia Yarborough / LRS: Claudia.Yarborough@sba.gov or 973-645-3572 covers NORTH Bergen, Essex, Hudson, Morris, Passaic, Sussex, Union, and Warren Counties

 

Paycheck Protection Program:

PPP Funds have been Exhausted
After more than a year of operation and serving more than eight million small businesses, funding for the bi-partisan Paycheck Protection Program has been exhausted. The SBA will continue funding outstanding approved PPP applications, but new qualifying applications will only be funded through Community Financial Institutions, financial lenders who serve underserved communities. The SBA is committed to delivering economic aid through the many COVID relief programs it is currently administering and beyond.

For NJ, the only CFI that is participating in PPP2 is RBAC @ https://rbacloan.com/

What is a CFI?
https://content.govdelivery.com/accounts/USSBA/bulletins/2b4f7b2
Per the Economic Aid Act, a community financial Institution is one of four types of lenders:
1. Community Financial Development Institution
2. Minority Depository Institution
3. Community Development Corporation
4. Microlender Intermediary

The Paycheck Protection Program (PPP) provides loans to help businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.  Click here to to visit the PPP website through the U.S. SBA.

To find Eligible Lenders, click here 

Click here for the link to the U.S. Treasury Business Assistance webpage where details and applications are available.

On March 30, President Joe Biden signed the PPP Extension Act of 2021 into law, extending the Paycheck Protection Program (PPP) an additional two months to May 31, 2021. The law also extends the PPP authorization through June 30, 2021 to provide the Small Business Administration additional time to process applications received by the application deadline.

Click here to get more information.

SBA: Business Loan Program Temporary Changes; Paycheck Protection Program as Amended by American Rescue Plan Act - Interim Final Rule

  • This interim final rule implements changes related to loans made under the Paycheck Protection Program (PPP), which was originally established under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) to provide economic relief to small businesses nationwide adversely impacted by the Coronavirus Disease 2019 (COVID-19).
  • On March 11, 2021, the American Rescue Plan Act of 2021 (American Rescue Plan Act) (Pub. L. 117-2) was enacted expanding eligibility for first and second draw PPP loans, revising the exclusions from payroll costs for purposes of loan forgiveness, and providing that a PPP borrower that receives a PPP loan after December 27, 2020 can be approved for a Shuttered Venue Operator Grant under certain conditions.
  • This interim final rule revises the PPP rules to incorporate the American Rescue Plan Act’s amendments to the PPP. Additionally, this interim final rule clarifies the eligibility for first draw PPP loans for applicants that are assigned a North American Industry Classification System (NAICS) code beginning with 72 and have more than one physical location and clarifies certain payroll cost exclusions included in the Economic Aid Act.
  • Please read the full Interim Final Rule for complete details
 

U.S. Small Business Administration (SBA) Economic Injury Disaster Loans (EIDL):

This loan provides economic relief to small businesses and nonprofit organizations that are currently experiencing a temporary loss of revenue.  Click here to visit the Economic Injury Disaster Loan (EIDL) website through the U.S. SBA.

SBA Notification Regarding Targeted EIDL Advance Deposits

On March 24, the U.S. Small Business Administration announced it is increasing the maximum amount small businesses and non-profit organizations can borrow through its COVID-19 Economic Injury Disaster Loan (EIDL) program. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000.

Businesses that receive a loan subject to the current limits do not need to submit a request for an increase at this time. SBA will reach out directly via email and provide more details about how businesses can request an increase closer to the April 6 implementation date. Any new loan applications and any loans in process when the new loan limits are implemented will automatically be considered for loans covering 24 months of economic injury up to a maximum of $500,000.  Click here to visit the Economic Injury Disaster Loan (EIDL) website through the U.S. SBA.

SBA Small Business Debt Relief Program:

Click here to visit the SBA Debt Relief website through the U.S. SBA.

In conjunction with SBA lenders, there are three categories of debt instruments to help smaller and start up businesses: SBA 7(a) loans, 504 loans, and  microloans; these programs are available to borrowers who lack credit elsewhere and need funds for working capital, business purchase, refinancing or fixed assets; the banks share risk with the SBA; microloans provide up to $50,000 and come with technical assistance.

In Cumberland County, CBAC and UCEDC, two economic development nonprofit organizations can provide assistance through these programs.

CBAC: Harry Stone, 856-966-8181 or hstone@cbaclenders.com

UCEDC: Ellen McHenry, emchenry@ucedc.com

Employee Retention Tax Credit:

Cannot be used if applying for Paycheck Protection Program
If operations are suspended (fully or partially) or you’ve experienced a decline in gross receipts by more than 50% in a quarter, you are eligible for a 50% tax credit for the first $10,000 of compensation for wages paid after March 12th and before January 1, 2021 for full time employees.  This is a refundable credit applied against the employer portion of payroll taxes.  The Dept. of Treasury is developing an advance payment of the tax credit.

 

New Jersey Economic Development Authority (NJEDA) Information:

NJEDA Announces Phase 2 Small Business Emergency Assistance Loan Program

NJEDA ANNOUNCES REOPENING OF PRE-REGISTRATION FOR PHASE 4 OF THE SMALL BUSINESS EMERGENCY ASSISTANCE GRANT PROGRAM

NJEDA Announces Launch Dates for $85 Million Phase 4 of the Small Business Emergency Assistance Grant Program

NJEDA Announces $2 Million Micro Lender Support Grant Program

NJEDA Announces $70 Million Phase 3 COVID-19 Grant Program

NJEDA Receives USEDA Grant to Expand Small Business Emergency Assistance Loan Program

NJEDA Begins Accepting Applications for Expanded Micro Business Loan Program 

NJEDA Announces Pending Expansion of Non-Profit Eligibility for $45 Million Grant Program Launching June 9th

NJEDA Applications for $45 Million NJEDA Grant Program to Open June 9

NJEDA Announces $50 Million Expansion of Grant Program for Businesses Impacted by COVID-19

NJEDA Encourages COVID-Impacted Businesses to Explore Its Established Financing Options

NJEDA Announces Application Launch Date for Loan Program for Small Businesses Impacted by COVID-19

NJEDA Announces Application Launch Date for Grants for Businesses Impacted by COVID-19

NJEDA Announces New Initiatives to Support Businesses Impacted by COVID-19

NJEDA: COVID-19 Economic Relief Package Programs

Click here to access the NJEDA's Emergency Assistance Eligibility Wizard.  This tool will help small businesses and nonprofits understand which programs they may qualify for.  By guiding users through a series of 25 easy-to-answer questions, the Eligibility Wizard provides information on which emergency assistance programs a business may want to consider for its specific needs and are encouraged to use this tool to help prepare in anticipation of emergency assistance programs officially launching.  

 

Small Business Emergency Assistance Grant Program - Phase 4

On April 14, the New Jersey Economic Development Authority (NJEDA) announced Phase 4 of the Small Business Emergency Assistance Grant Program, adding $85 million in funds from the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Phase 4 will provide short-term operating support to a broad group of New Jersey small and medium sized businesses and non-profits that have been negatively impacted during the declared state of emergency. More information is available here.

Applications will become available on a rolling basis following the pre-registration period (April 19, 2021, 9:00 a.m. to April 29, 2021, 5:00 p.m.) Pre-registered applicants will need to return to https://programs.njeda.com/en-US/ to complete an application based on the following schedule:

  • Businesses that did not apply for, or were not approved for Phase 3 funding – 9:00 a.m. on May 3, 2021
  • Restaurants and child care providers – 9:00 a.m. on May 5, 2021
  • Micro businesses (five or fewer FTEs) – 9:00 a.m. on May 10, 2021
  • All other small businesses, excluding restaurants, micro businesses, and child care providers – 9:00 a.m. on May 12, 2021

Applications for each category will be open for a period of one week and will be accepted on a first-come, first-served basis, based upon the date and time the Authority receives a completed application submission.

Phase 4 increases the amount of funding available to businesses. Grant awards will be calculated based on the number of full-time equivalent employees (FTEs) businesses employ. Micro-businesses with five or fewer FTEs and sole proprietorships will receive up to $10,000; businesses with six to 25 FTEs will receive up to $15,000; and businesses with 26 to 50 FTEs will receive up to $20,000. A grant size estimator is available here.

The $85,000,000 in funds available through Phase 4 will be allocated as follows:

  • Restaurants: $35 million of funding to support businesses classified as “Food Services and Drinking Places” under NAICS code 722, given the disproportionate impact these businesses have experienced due to the pandemic, including caps on on-location dining and unusual costs they incurred to adapt their business models for safe operations.
  • Child Care Providers: $10 million of funding to support businesses classified as “Child Day Care Services” under NAICS code 624410, given the disproportionate impact these businesses have experienced due to the pandemic, including caps on capacity numbers and unusual costs they incurred to adapt their business models for safe operations.
  • Micro-businesses: $25 million of funding to support businesses that have had 5 or fewer FTEs in each of their past eight quarters of WR-30 filings (including businesses with no FTEs), given the unique financial vulnerability experienced because of the pandemic by micro-businesses, which typically have lower financial reserves.
  • Other small businesses (6-50 FTE): The remaining $15 million of funding will support businesses that are not eligible under the micro-business category.

 

New Jersey Economic Development Authority Grant & Loan Programs

The New Jersey Economic Development Authority just approved and announced a package of grant and loan programs for small- and mid-sized businesses and non-profits hit hard by the coronavirus crisis.

We worked with EDA on these programs, which are varied in nature. EDA estimates the initiatives will support between 3,000 and 5,000 enterprises. And while the funding earmarked for these grants and loans will not make all of our New Jersey businesses whole, this is a great first step and those in need will be able to apply soon.

Here are the details:

NJ Small and Micro Business PPE Access Program - On March 22, 2021 the New Jersey Economic Development Authority (NJEDA) announced it will extend the deadline of the NJ Small and Micro Business PPE Access Program through Friday, May 28th, 2021 or until program funds are exhausted. New Jersey businesses with 100 or fewer full-time equivalent employees (FTEs) will be able to receive discounts of nearly 70 percent off purchases of personal protective equipment (PPE).

Small businesses and organizations interested in receiving these discounts must apply at https://ppe.covid19.nj.gov. Businesses that have already been approved do not need to reapply, but any discounts they have used previously will be counted toward the total program cap.

Once the NJEDA has confirmed a business’s eligibility, the business owner will receive vouchers for purchases from a Designated Vendor of their choice. Vouchers will expire at 11:59 PM on May 28th, 2021, but the NJEDA may close the program sooner if funds are exhausted. Businesses and nonprofits will still be able to receive 10 percent discounts on PPE purchases after this date.

 

National Restaurant Association: Restaurant Revitalization Fund (RRF)

SBA Administrator Guzman Announces Application Opening for $28.6 Billion Restaurant Revitalization Fund
Fund prioritizes direct relief to women, veterans, and socially and economically disadvantaged individuals, and includes $9.5 billion in set-asides for smaller businesses.

SBA Administrator Isabella Casillas Guzman today announced the U.S. Small Business Administration will begin registrations on Friday, April 30, 2021, at 9 a.m. EDT and open applications on Monday, May 3, 2021, at noon EDT for the Restaurant Revitalization Fund. The online application will remain open to any eligible establishment until all funds are exhausted.

“Restaurants are the core of our neighborhoods and propel economic activity on main streets across the nation. They are among the businesses that have been hardest hit and need support to survive this pandemic. We want restaurants to know that help is here,” said Administrator Guzman. “The SBA has focused on the marketplace realities of our food and beverage businesses in designing the Restaurant Revitalization Fund to meet businesses where they are. And we are committed to equity to ensure our smaller and underserved businesses, which have suffered the most, can access this critical relief, recover, and grow more resilient.”

Established under the American Rescue Plan, and signed into law by President Joe Biden on March 11, 2021, the Restaurant Revitalization Fund provides a total of $28.6 billion in direct relief funds to restaurants and other hard-hit food establishments that have experienced economic distress and significant operational losses due to the COVID-19 pandemic. 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. Funds must be used for allowable expenses by March 11, 2023.

“Recognizing the great urgency to help restaurants keep their doors open – and with a clear mandate from Congress – the SBA worked at a breakneck speed and is excited to launch this program,” said Patrick Kelley, SBA Associate Administrator, Office of Capital Access. “From day one, we engaged with diverse stakeholders in the food industry community to make sure we built and delivered the program equitably, quickly, and efficiently.”
In preparation, the SBA recommends qualifying applicants familiarize themselves with the application process in advance to ensure a smooth and efficient application experience, specifically by:
• Registering for an account in advance at restaurants.sba.gov starting Friday, April 30, 2021, at 9 a.m. EDT.
• Reviewing the official guidance, including program guide, frequently asked questions, and application sample.
• Preparing the required documentation.
• Working with a point-of-sale vendor or visiting restaurants.sba.gov to submit an application when the application portal opens. [Note: If an applicant is working with a point-of-sale vendor, they do not need to register beforehand on the site.]
• Attending a live recorded virtual training webinar.
o Tuesday, April 27 | 2:30 p.m. EDT | Register here
o Wednesday, April 28 | 1 p.m. EDT | Register here
o Wednesday, April 28 | 2:30 p.m. EDT | Register here

For the first 21 days that the program is open, the SBA will prioritize funding applications from businesses owned and controlled by women, veterans, and socially and economically disadvantaged individuals. All eligible applicants are encouraged to submit applications as soon as the portal opens. Following the 21 days, all eligible applications will be funded on a first-come, first-served basis.

Consistent with the legislation and the intent of Congress, the SBA continues to take steps to ensure the equitable distribution of relief, particularly for the smallest businesses, by creating a $9.5 billion set-aside: $5 billion for applicants with 2019 gross receipts of not more than $500,000; $4 billion is set aside for applicants with 2019 gross receipts from $500,001 to $1,500,000; and $500 million for applicants with 2019 gross receipts not more than $50,000.


Free Online Seminar: On April 29, 2021, from 9 am to 10 am, John M. Blackstock, Deputy District Director, New Jersey District Office, will present a (free, online) seminar on the Restaurant Revitalization Fund. You can register for this event via https://clients.njsbdc.com/workshop.aspx?ekey=32410054. 

The Restaurant Revitalization Fund (RRF) provides tax-free federal grants for businesses impacted by the pandemic.

The Restaurant Revitalization Fund allows eligible business to receive a tax-free federal grant equal to the amount of its pandemic-related revenue loss, calculated by subtracting its 2020 gross receipts from its 2019 gross receipts.

Eligible entities include a restaurant, food stand, food truck, food cart, caterer, saloon, inn, tavern, bar, lounge, brewpub, tasting room, taproom, licensed facility or premise of a beverage alcohol producer where the public may taste, sample, or purchase products, or other similar place of business in which the public or patrons assemble for the primary purpose of being served food or drink.

For more information about the program, click here and visit https://restaurantsact.com/rrf/

To view a recorded webinar detailing the specifics of the program (available on demand), click here.

The U.S. Chamber of Commerce has created "A Guide for Restaurants and Bars Applying for Grants Under the New $28.6 Billion Federal Grant Program" that may help small businesses owners prepare for when the program goes live. Click here to read the guide and start preparing your documents now.

 

SBA Announces Official Restaurant Revitalization Fund Application and Guidelines - Economic relief prioritized for underserved communities

The SBA announced key details on application requirements, eligibility, and a program guide for the Restaurant Revitalization Fund (RFF). The restaurant industry has been among the hardest-hit sectors during the economic downturn caused by the COVID-19 pandemic. To help bring jobs back and revive the industry, the American Rescue Plan, signed into law by President Joe Biden, established the $28.6 billion Restaurant Revitalization Fund at the U.S. Small Business Administration (SBA). The SBA will administer the funds to the hardest-hit small restaurants.

Under this announcement, details on application requirements, eligibility, and a program guide are now available in English at www.sba.gov/restaurants or in Spanish at www.sba.gov/restaurantes.

Ahead of the application launch and over the next two weeks, the SBA will establish a seven-day pilot period for the RRF application portal and conduct extensive outreach and training. The pilot period will be used to address technical issues ahead of the public launch. Participants in this pilot will be randomly selected from existing PPP borrowers in priority groups for RRF and will not receive funds until the application portal is open to the public.

Following the pilot, the application portal will be opened to the public. The official application launch date will be announced at a later date. For the first 21 days that the program is open, the SBA will prioritize reviewing applications from small businesses owned by women, veterans, and socially and economically disadvantaged individuals. Following the 21-day period, all eligible applicants are encouraged to submit applications.

Click here to read the full press release.

 

NJDCA: COVID-19 Emergency Rental Assistance Program

NJDCA COVID-19 Emergency Rental Assistance Program Phase II

COVID-19 Emergency Rental Assistance Program (CVERAP) Phase II - Opening March 22, 2021, the COVID-19 Emergency Rental Assistance Program Phase II (CVERAP Phase II) will provide rental arrears and temporary rental assistance to low- and moderate-income households that have had a substantial reduction in income, have qualified for unemployment benefits, incurred significant costs, or experienced a financial hardship due, directly, or indirectly, to the COVID-19 pandemic. Nan McKay & Associates has been authorized by the New Jersey Department of Community Affairs to assist in the administration of CVERAP Phase II and to communicate with applicants and landlords.  Click here for additional information on CVERAP Phase II.

Click on the following link to apply: https://njdca.onlinepha.com/

 

LISC Small Business Relief Grant

There are currently no upcoming national grant rounds scheduled at this time. Register here to sign up for email alerts on future grant opportunities. All potential applicants are encouraged to review our FAQ.

Be sure to check LISC’s Covid-19 Resource Page: https://www.lisc.org/covid-19/covid-resources/ for the latest resources available to nonprofit organizations and individuals.

  

NJ Community Capital: Garden State Relief Fund

Click here to visit NJ Community Capital's website on the Garden State Relief Fund.  New Jersey Community Capital is pleased to launch the Garden State Relief Fund to meet the immediate needs of small businesses and non-profits critically affected by the COVID-19 pandemic.  This fund is for small businesses and nonprofits with 3-75 full-time employees.  Loans amounts: $10,000-$75,000.  Term up to 36 months.  Interest rate: 3%.  Please see the above link for more information and to apply.

 

UCEDC: Resources & Solutions for Small Business

Click here to visit UCEDC's website.  UCEDC is a private, nonprofit economic development corporation, dedicated to boosting local economies and strengthening communities through business development and job creation. Since 1977, we’ve been helping small business by making loans, training and mentoring business owners, helping businesses obtain government contracts, and providing accurate and relevant business information.

 

CBAC: The Beacon for Small Business Lending

Click here to visit CBAC's website.  CBAC is a non-profit, Certified Development Financial Institution, community lending organization, that offers a range of loan products and support services entrepreneurs to meet your existing and start-up business needs. We have served Cumberland County, other areas of South Jersey and Philadelphia for many years. We understand that business owners are rightfully concerned about the affects Covid-19 on your businesses, employees, and customers. Some of you have already been forced to make difficult choices. CBAC is concerned about you, too. Our team members will continue to assist and work with our customers and partners to customize solutions by phone, email, text, internet, etc.

 

New Jersey 30 Day Fund

On June 12, former New Jersey Governor Chris Christie and his wife, Mary Pat Christie announced the New Jersey 30 Day Fund, a new nonprofit entity that will provide forgivable loans up to $3,000 to small businesses in need.

New Jersey businesses that qualify for assistance from the Fund must meet the following criteria:

  • Employ three to 30 people
  • Be based in New Jersey and have been operating for at least one year
  • Be owned and operated by a New Jersey resident


The funds disbursed to small businesses by the New Jersey 30 Day Fund do not need to be repaid. If businesses that receive the Fund’s assistance wish to “pay it forward” to another New Jersey small business in need of assistance at a later date, they may do so by directing those dollars back to the Fund, which will disburse the funding to another New Jersey business in need.

 

Links to Documents that May be Useful to Businesses in Communicating with Employees

Please find below two links to documents that would be helpful for businesses (that are open) to communicate with employees when receiving questions.  Although these are more for healthcare providers and Public health, they are public documents on NJDOH's website.  When in doubt, call Cumberland County Department of Health at 856-327-7090 or have the individual contact their health care provider.

Frequently Asked Questions: Close Contacts to Confirmed COVID-19 Cases

 

Assistance to Nonprofit Organizations for COVID-19 Disruptions:

In addition to the SBA and NJEDA offerings (NJEDA Small Business Emergency Assistance Grants and SBA Disaster Loan/Grants are available to Nonprofits)

Philadelphia Foundation/United Way

PHL COVID-19 Fund: phlcovid19fund.org/covid-19/

Grants to nonprofits serving at-risk populations in the Philadelphia and Southern NJ region; grant funding to continue to provide services and expand local capacity to meet increased need.

Applications are currently closed.

 

Community Fund of South Jersey

South Jersey Response Fund: southjerseyresponsefund.org

CFSJ’s South Jersey COVID-19 Response Fund will support local 501(c)3 non-profit agencies as they adapt internally and programmatically to assist neighbors and continue to deliver on their missions during this turbulent time. To do so, CFSJ will award:

  • A limited number of one-time program support grants
  • Amount: minimum of $3,000 to 501(c)3 non-profit organizations providing critical services tied directly to the economic security of South Jersey residents
  • Organizations’ areas of operation: Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Ocean and Salem counties

 

Guidance from the Division of Community Affairs Regarding COVID-19: 

NJ Department of Community Affairs: Alerts & Issues