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Coronavirus, COVID-19 Business Resources & Information

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:

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.  Click here for a printable version.

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


Has COVID-19 impacted your business or organization? New Jersey wants to hear from you.

The State of New Jersey is requesting the input of businesses and nonprofits to better understand how to help you get back to work safely and productively. By filling out an online survey about your operations you can help inform the State’s reopening strategy and upcoming business and organization assistance opportunities.

Survey questions include inquiries about COVID-19’s impact on your operations, your business’s or nonprofit’s plans to return to work, and how the State and local governments can support you and your employees in the months ahead.

Complete the COVID-19 Reopening/Recovery Survey to share more about how COVID-19 has impacted your operations and let New Jersey know how to best help you move forward.


Results of the Reopening Business Survey conducted by the Bridgeton Area Chamber of Commerce and the Greater Millville Chamber of Commerce - Survey Purpose: This survey is a cooperative project of Bridgeton Area and Greater Millville Chambers of Commerce. The survey was created in order to gather information and ideas from Chamber members and all interested businesses in Cumberland County.
The survey results will be shared with the business community and with local, county and state officials who are making plans and setting guidelines for the safe and successful, full re-opening of businesses and activities.


A Coronavirus Pandemic Resource Guide for New Jerseyans - 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:

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 - Date: 5/20/2020

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

FEMA Advisory: Coronavirus Pandemic Response: Exercise Starter Kit - Date: 5/13/2020

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

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

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

Goldman Sachs, Pursuit to Provide $10 Million for New Jersey Small Business Loans

NJDOH: Protocols for Essential Personnel to Return to Work Following COVID-19 Exposures or Infection - Date: 3/24/2020

NJEDA Launches NJ Entrepreneur Support Program to Assist Entrepreneurs During COVID-19 Outbreak

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

$10 Million NJEDA Program to Support 6 CDFI's Providing Low-Cost Financing for Small Businesses and Nonprofits Impacted by COVID-19 

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

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

NJEDA Now Accepting Donations to Support Small Businesses Impacted by COVID-19 - Individuals and companies interested in making a donation should contact

NJEDA Extends Reporting Deadlines for HUB, Grow, and ERG in Response to COVID-19

CDC: Interim Guidance for Implementing Safety Practices for Critical Infrastructure Workers Who May Have Had Exposure to a Person with Suspected or Confirmed COVID-19

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

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

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

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

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

NJOEM Administrative Order 2020-6: Essential Businesses

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

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:

On April 23, President Trump signed a bill that adds additional funding for the Paycheck Protection Program (PPP), as well as the SBA Economic Disaster Loan Program.

The bill provides an $310 billion increase for the Paycheck Protection Program, which brings the total program to $659 billion.The bill also includes a $10 billion increase for Economic Injury Disaster Grants and an additional $50 billion to support Economic Injury Disaster Loans.

Included in the bill is a $75 billion increase for reimbursement to hospitals and healthcare providers and $25 billion for COVID-19 tests.

To read the U.S. Chamber of Commerce's top line summary, click here.

President Trump signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act on March 27, 2020. Please see below for an outline of information regarding the CARES Act.

United States Senate CARES Act Summary

United States Senate FAQ on CARES Act

Coronavirus Emergency Loans: Small Business Guide & Checklist

U.S. Senator Bob Menendez Small Business Owners Guide to the CARES Act

U.S. Senator Bob Menendez COVID-19 Small Business Guide

CARES Act: Summary of Major Provisions

CARES Act for Small Businesses Flow Chart

Guide to Employee Retention Tax Credit for COVID-19 Impacted Employers


CARE Act/SBA Program Documentation Requirements:

CARE Act Reporting Requirements:

1. 2019 IRS Quarterly 940, 941 or 944 payroll tax reports.

2. Last 12 months of Payroll Reports beginning with your last payroll date and going backwards 12 months. Maximum

  a. Payroll report must show the following for the time period above:

i. Gross wages for each employee, including the officer(s) if paid W-2 wages. (no more than $100,000 per employee)

ii. Paid time off for each employee.

iii. Vacation pay for each employee.

iv. Family medical leave pay for each employee.

v. State and Local taxes assessed on the employee’s compensation for each employee.

3. 1099s for 2019 for independent contractors that would otherwise be an employee of your business.

a. Do NOT include 1099s for services.

4. Documentation showing total of all health insurance premiums paid by the Company Owner under a group health plan.

a. Include all employees and the company owners.

5. Document the sum of all retirement plan funding that was paid by the Company Owner (do not include funding that came from the employee’s out of their paycheck deferrals).

a. Include all employees, including company owners.

b. 401K plans, Simple IRA, SEP IRAs.

6. Mortgage interest payment (but not any prepayment of or payment of principal on a mortgage obligation.

7. Interest on any other debt obligations that were incurred before the Covered Period.

8. Rent with formal lease in place.

9. Utilities (electricity, water, gas, transportation, telephone or internet)

Maximum Loan Amount, Interest Rate and Maturity for Loans with Remaining Balances:
During the Covered Period, the maximum loan amount permitted for an eligible Covered Entity is the lesser of $10,000,000 and an amount calculated based on a payroll formula that essentially equals 2.5x the average total monthly payroll cost incurred in the one-year period before the loan is made. The interest rate for loans borrower by a Covered Entity under the program may not exceed four percent (4%). Any Paycheck Protection Loan that has a remaining principal balance after any applicable loan forgiveness (as covered in detail above) must have a maturity date no later than 10 years from the date on which the borrower applied for loan forgiveness. 

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


State Legislative Regarding COVID-19:

A-3841 - Automatically extends time to file gross income tax or corporation business to return if federal government extend filing dates

A-3843 - Requires health insurance carriers to provide coverage for expenses incurred in testing for COVID-19 and delivery of health care services through telemedicine or telehealth

A-3845Authorizes NJEDA to make grants during emergency period and EDA can grant business documentation submission extensions

A-3846 - Creates “Temporary Lost Wage Unemployment Program” allowing persons to claim for lost wages due to COVID-19, and employers to pay wages to workers ordered to undergo quarantine by licensed healthcare practitioner

A-3848 - Prohibits an employer during the State of Emergency from terminating or refusing to reinstate an employee if he/she request time off from work based on a recommendation by a licensed medical professional because of an infectious disease

A-3900 - Family leave & disability benefits during epidemic-related emergencies-concerns.

A-3901 - Permits professional and occupational licensing boards to reactivate licensure of certain individuals during state of emergency or public health emergency. 

A-3902 - Permits extension of certain deadlines applicable to local government units under emergency circumstances. (Received in Senate)

A-3903 - Allows remote notarial acts during Public Health Emergency and State of Emergency declared by Governor in Executive Order 103 of 2020.

Click here to search these bills on the New Jersey Legislature website.


U.S. Department of Treasury Paycheck Protection Program:

The Small Business Administration will resume accepting Paycheck Protection Program loan applications Monday, April 27th at 10:30am.

Paycheck Protection Program Loan Forgiveness Application

Paycheck Protection Program New Approved Lenders List

To find Eligible Lenders, click here

Paycheck Protection Program Loans Frequently Asked Questions (FAQs) - Date: 5/6/2020

Paycheck Protection Program Fact Sheet

SBA: Paycheck Protection Program

The Paycheck Protection Program (PPP) prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses.

Small businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards.

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

See below for excerpts from the U.S. Treasury's Paycheck Protection Program (PPP) Information Sheet:

The Paycheck Protection Program (“PPP”) authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. All loan terms will be the same for everyone.

The loan amounts will be forgiven as long as:

  • The loan proceeds are used to cover payroll costs, and most mortgage interest, rent, and utility costs over the 8 week period after the loan is made; and
  • Employee and compensation levels are maintained. Payroll costs are capped at $100,000 on an annualized basis for each employee. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. Loan payments will be deferred for 6 months.

When can I apply?

  • Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Other regulated lenders will be available to make these loans as soon as they are approved and enrolled in the program.

Where can I apply?
You can apply through any existing SBA lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating.

Other regulated lenders will be available to make these loans once they are approved and enrolled in the program.

 You should consult with your local lender as to whether it is participating. Visit for a list of SBA lenders. 

Click the following link to search for approved lenders in the Paycheck Protection Program: 
Be advised that the banking institutions are still waiting on guidelines and more information from the federal government on how they should institute and manage this program.


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

Economic Injury Disaster Loans (EIDL) funds have been exhausted.  Please check back for updates as they become available.

SBA Presentation on Loan Programs: Economic Injury Disaster Loans (EIDL) and Paycheck Protection Program (PPP) - Date: 4/14/2020

Guide to SBA's Economic Injury Disaster Loans

Businesses can apply online or request a paper application.  It is a 3 step loan process for loans up to $25,000 to alleviate economic injury and temporary loss of revenue due to the COVID-10 crisis.  It is available to both small businesses and private, non-profits.

  • Working capital
  • Up to $25,000
  • Pay fixed debts, payroll, accounts payable, any other bills
  • Interest rate: 3.75% for small businesses; 2.75% for nonprofits

The Three Step Process: Disaster Loans

SBA Disaster Loan Applications

Announcement from the U.S. Small Business Administration (SBA) regarding their Disaster Loan Program for new applicants:

To submit an application, email your completed document(s) as attachments to:

Any information you send to SBA via email is sent via an unsecured email link.  Due to the nature of the Internet, it is possible that unsecured email could be intercepted by third parties.  Attachments that you email to the SBA cannot be larger than 5MB due to the SBA's size limitations on emails.

Fax your completed document(s) to: (202) 481-1505

Right now applicants cannot access the full site.  Those with existing applications submitted please check back once the site is back up to update or add information to your application.  There is no need to begin a new application.  SBA is working on another upgrade to the system that will be quicker and have more bandwidth to handle all those seeking assistance.

Call 1-800-659-2955 (TTY: 1-800-877-8339) or email if you need assistance. 

The State of New Jersey has been approved by the U.S. Small Business Administration as a declared disaster state for COVID-19.  Small businesses can now start to apply for Disaster Loans on SBA's website.  Click here to start your application.

Please see the Small Business Fact Sheet by clicking here.

For business professionals who are seeking more information, please contact Carol Waties, Director of NJ SBDC.
Phone: (609) 626-3889

SBA Small Business Debt Relief Program:

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

UCEDC: Ellen McHenry,

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 $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.

Consider taking the NJ EDA Business survey about how your business has been affected and how the NJ EDA could assist. Business owners and key administration officials should be completing the survey. The New Jersey Economic Development Authority, in partnership with the Office of the Governor of New Jersey, is working to develop programs and resources to support New Jersey’s business community during the COVID-19 outbreak. Click here to take the survey.

NJEDA COVID-19 Economic Relief Package Presentation - Date: 3/31/2020 - This presentation has information on NJEDA initiatives aimed at stabilizing and revitalizing local small businesses, mid-size businesses, and other early-stage companies.

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:

Small Business Emergency Assistance Grant Program (Phase 2 Announced) Grants up to $10,000 to small businesses in retail, arts, entertainment, recreation, accommodation, food service, and other services to stabilize operations and reduce the need for layoffs or furloughs. Additional businesses to be included are Home-based businesses, Sole Proprietorships, Businesses with 25 employees, Non-Profits, and dedicated funding for Opportunity Zone based businesses.  Applications for Phase 2 of the Small Business Emergency Assistance Grant Program will be available soon. NJEDA staff will process the applications on a first-come, first-served basis. There will be no application fee. More information about New Jersey’s COVID-19 response is available at

  • Small Business Emergency Assistance Loan Program(Funds have been exhausted)  A $10 million program that will provide working capital loans of up to $100,000 to businesses with less than $5 million in revenues. Loans made through the program will have 10-year terms with 0% interest for the first five years, then resetting to the EDA’s prevailing floor rate (capped at 3%) for the remaining five years. 
    NJEDA: Small Business Emergency Assistance Loan Program Application Walk-Through Presentation
  • NJ Entrepreneur Support Program – A $5 million program that will encourage continued capital flows to innovation economy companies and temporarily support a cautious investor market by providing 80% loan guarantees for working capital loans to startup entrepreneurs.  Application opens Monday, April 20th at 9:00am.  A link to the program application will be posted on the State's COVID-19 Business Information Hub.
  • Community Development Finance Institution (CDFI) Emergency Loan Loss Reserve Fund – A $10 million capital reserve fund to take first loss position on CDFI loans that provide low interest working capital to microbusinesses. This will allow CDFIs to withstand loan defaults due to the outbreak, which will allow them to provide more loans at lower interest rates to microbusinesses affected by the outbreak.
  • CDFI Emergency Assistance Grant Program – A $1.25 million program that will provide grants of up to $250,000 to CDFIs to scale operations or reduce interest rates for the duration of the outbreak.
  • Small Business Emergency Assistance Guarantee Program – A $10 million program that will provide 50% guarantees on working capital loans and waive fees on loans made through institutions participating in the NJEDA’s existing Premier Lender or CDFI programs.
  • Emergency Technical Assistance Program – A $150,000 program that will support technical assistance to New Jersey-based companies applying for Economic Injury Disaster Loans through the U.S. Small Business Administration. The organizations contracted will be paid based on SBA application submissions supported by the technical assistance they provide.

Additional details on the NJEDA’s new programs, including complete eligibility requirements, are available at

To read NJEDA's full press release, click here.

We continue to strongly urge all business owners who are interested in these programs to QUICKLY take inventory of all necessary evidence of cash flow and income over the past year, including receipts and invoices, and to connect with your accountants. This way you can put your most effective foot forward during the application process and get in early. Don’t wait. Get ready now!

NJBIA continues to support the New Jersey business community as we go through this crisis together. We continue to update our own Coronavirus Resource Page, where you can also contact us if you have any other additional questions. Our staff is here for you and ready to help.


Federal Reserve: Main Street Lending Program

The Federal Reserve has released guidelines for its soon-to-open Main Street Lending Program that will offer four-year loans starting at $500,000 for small- and medium-sized businesses hit by the coronavirus pandemic.  To qualify, a business must have had fewer than 15,000 employees or less than $5 billion in revenue in 2019.  Lending institutions are administering the program, and a high percentage of each of the loans will be guaranteed by the Fed.  Principal and interest payments will be deferred for one year.  

Click on the following link for the guidelines of the Main Street Lending Program: Federal Reserve Board Announces It is Expanding the Scope and Eligibility for the Main Street Lending Program

Main Street Lending Program Frequently Asked Questions


Save Small Business Fund: U.S. Chamber of Commerce Foundation

Applications for the $5,000 grants are available on April 20, 2020 at 3:00pm from the U.S. Chamber of Commerce Foundation.  

To qualify:

  • Must employ between 3 and 20 people
  • Be located in an economically vulnerable community
  • Have been harmed financially by the COVID-19 pandemic

Be sure to have your W-9 forms ready when applying.

For more information and to apply, click here.


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 3-50 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.


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

Monitoring & Movement Guidance for Managing Returning Travelers and/or Contacts of Confirmed Cases of Novel Coronavirus (COVID-19)


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:

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 available online at the above website.


Community Fund of South Jersey

South Jersey Response Fund:

One time grant of $3,000 to address community needs, including food banks and food distribution, homelessness, social services.

3 categories of grant assistance:

  1. Triage Grants: community-based nonprofits with increased demand for services due to COVID-19
  2. Treatment Grants: human services nonprofits that have to modify delivery mode due to reduced access to populations
  3. Recovery Grants: nonprofits facing extreme difficulty due to lost revenue due to closure or cancellations

The Community Foundation of SJ is seeking funders for these grants.

The application process is not quite operational at this time but will be forthcoming.


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 3-50 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.


M25 Initiative: Food Insecurity Grants

M25, a Cumberland County nonprofit organization, is offering grants up to a maximum of $5,000 for service agencies and nonprofit organizations that are impacted by a demand for a higher level of service due to the emergency situation.  Online application at:


Guidance from the Division of Community Affairs Regarding Ongoing Construction Projects and COVID-19:

Ongoing Construction Projects and COVID-19

NJ Department of Community Affairs Notice of Rule Waiver/Modification/Suspension Pursuant to Executive Order No. 103 (Murphy) COVID-19 State of Emergency

NJ Department of Community Affairs: Alerts & Issues