COVID-19 Resource Guide

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COVID-19 Resource Guide

RESOURCES CONCERNING COVID-19/CORONAVIRUS
Below are links to major health and public authorities to assist in keeping you, your employees, customers and community ahead of the affects of the spread of COVID-19/Coronavirus. These resources may be updated as conditions in the area change.

Center for Disease Control and Prevention (CDC)
Keeping workplaces, homes, schools, or commercial establishments safe (pdf)
CDC’s framework for mitigation (pdf)

World Health Organization (WHO): Coronavirus Disease Outbreak – Current Updates

US Chamber of Commerce: Coronavirus Response Toolkit
PA.GOV Health Department Coronavirus Updates

Standard tips for personal protection:
• Frequently and thoroughly wash your hands with soap and water for at least 20 seconds. If soap and water are not available, use hand sanitizer with at least 60% alcohol.
• Cover coughs and sneezes with a tissue, then throw the tissue in the trash, or use your inner elbow or sleeve.
• Avoid touching your eyes, nose and mouth with unwashed hands.
• Stay home if you’re sick and keep your children home if they are sick.
• Clean surfaces in your home and personal items, such as cell phones, using regular household products.

Please support your fellow Chamber Members!

Yellow Phase: Reopening Preparation Guide For Businesses

Green Phase: Preparation Guide

3.15.21

Cumberland County COVID-19 Hospitality Industry Recovery Program (CHIRP)

The Cumberland County COVID-19 Hospitality Industry Recovery Program (CHIRP) will be released on March 15th and available to accommodations and food service businesses.

This is a rolling application process until funds are exhausted. Applications will be processed sequentially based on timestamp of Application, subject to availability of funds and completeness and accuracy of information provided at time of Application. The applicant will be notified of any deficiencies in information supplied and a request by email will be made to the Applicant. When all deficiencies have been satisfied; the application will be reviewed based on the timestamp of receipt of a complete application and associated materials, subject to availability of funds.

Through legislation known as Act 1, the hospitality industry is defined as those businesses that are classified with NAICS codes of 721(Accommodations) or 722 (Food Services and Drinking Places).

Cumberland County was awarded $2.9 million to allocate to qualifying businesses. Eligible requirements include:

– fewer than 300 employees (per EIN)

– business must be physically located in Cumberland County

– must be a for-profit with a NAICS designation of 721 or 722

– must be able to demonstrate at least 25% reduction in gross receipts

– based on business start and operational status, monthly or quarterly receipts and expenses will need to be supplied through the on-line application

– must be able to certify that business has not and will not receive another CHIRP grant between January 1, 2021 to June 30, 2021.

– applicant must have been a business by February 15, 2020.

Businesses can view guidelines, apply and print out a sample application at https://cumberlandbusiness.com/ccchirp-guidelines/. Only online applications will be accepted.

Grant funds can be used to cover operating expenses incurred from March 1, 2020 to June 15, 2021 and can include working capital/operating expenses including payroll and nonpayroll expenses, mortgage, rent, utilities, supplies, inventory, and PPE. For rent, lease, and mortgage payments, the obligation must have been in force before February 15, 2020.  For utility costs, service must have begun before February 15, 2020.

Businesses will be awarded in increments of $5,000 up to a maximum of $50,000 on eligible thresholds. The lesser of the dollar cap based on employee size outlined below or three months of average monthly operating costs of the total eligible business operating expenses reported on the most recently filed federal tax return, rounded to the nearest $5,000 increment

– 1 – 10 Employees (FTE) –  $20,000

– 11 – 25 Employees (FTE) – $30,000

– 26 – 60 Employees (FTE)  – $40,000

–  61 – less than 300 Employees (FTE)  – $50,000

FTE is based on 2019 total hours compensated for all employees divided by 2080.

Cumberland County has contracted with Cumberland Area Economic Development Corporation (CAEDC) as the authorized Certified Economic Development Organization (CEDO) to administer this program.

2.8.21

CAEDC Launches New Grant To Support Small Businesses For Pandemic Related Relief

The Cumberland Area Economic Development Corporation (CAEDC) is announcing the Cumberland County Small Business Relief Working Capital Program to provide immediate support for Cumberland County businesses negatively impacted by Covid-19.

The first round of the grant will allow businesses in Cumberland County to apply for two months of working capital with a maximum of  $10,000. Award funds can be used to cover operating expenses such as payroll, rent, mortgage, supplies, marketing, PPE and modifications and/or technology to comply with new standards, and to enable job creation and/or retention. This is a competitive grant program, with a total of $275,000 available to businesses county-wide who serve Cumberland County residents. 

Eligible applicants must be for-profit businesses physically located in Cumberland County, have fewer than 25 employees, and be able to show they were negatively impacted by Covid-19. Businesses who have not received prior Covid-19 relief funding will be prioritized. Applicants that received pandemic-related CDBG funding from the Borough of Carlisle are not eligible.

“This grant goes to the heart of CAEDC’s mission to support our business community and improve the quality of life of the residents in the county. The grant will provide necessary relief to many of our small businesses, who are in need of help” said CAEDC CEO, Jamie Keener.

Businesses can find all the qualifications and guidelines here: https://cumberlandbusiness.com/ccsbrwcg-round-1-guidelines/

All eligible businesses are encouraged to apply for the grant, especially restaurants, who may have been most affected by Covid-19 related policies.

All grant applications are due by Friday, February 19, 2021.

The application can be found here: https://cumberlandbusiness.com/ccsbrwcg-round-1-application/

CAEDC has applied for additional funding and hopes to be able to follow this grant with another round in the near future.

This grant program is funded by HUD through the Cumberland County House and Redevelopment Authority as a Community Development Block Grant, called CDBG-CV.

1.11.21

PAYCHECK PROTECTION PROGRAM (PPP) REOPENING (1/11/21)

The U.S. Small Business Administration (SBA), in consultation with the Treasury Department, announced that the Paycheck Protection Program (PPP) will re-open the week of January 11 for new borrowers and certain existing PPP borrowers. Learn more here.

Key PPP updates include:

  • PPP borrowers can set their PPP loan’s covered period to be any length between 8 and 24 weeks to best meet their business needs;
  • PPP loans will cover additional expenses, including operations expenditures, property damage costs, supplier costs, and worker protection expenditures;
  • The Program’s eligibility is expanded to include 501(c)(6)s, housing cooperatives, destination marketing organizations, among other types of organizations;
  • The PPP provides greater flexibility for seasonal employees;
  • Certain existing PPP borrowers can request to modify their First Draw PPP Loan amount; and
  • Certain existing PPP borrowers are now eligible to apply for a Second Draw PPP Loan.

A borrower is generally eligible for a Second Draw PPP Loan if the borrowers:

  • Previously received a First Draw PPP Loan and will or has used the full amount only for authorized uses;
  • Has no more than 300 employees; and
  • Can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020.

10.20.20

The SBA and Treasury Department announce total forgiveness for all PPP loans of $50,000 or less

The SBA/Treasury Department announced the following:

  • There is now an easy loan forgiveness application for all Paycheck Protection Program (PPP) loans of $50,000 or less.
  • This decision streamlines the PPP forgiveness process to provide financial and administrative relief to America’s smallest businesses.
  • This decision will also allow lenders to process forgiveness applications far more swiftly. 

SBA began approving PPP loan forgiveness applications and remitting forgiveness payments to PPP lenders for PPP borrowers on October 2, 2020. SBA will continue to process all PPP loan forgiveness applications in an expeditious manner.

Click here to view Form 3508S (loan forgiveness application).

Click here to view the instructions for completing your loan forgiveness application.

Click here to view the Interim Final Rule on the simpler forgiveness process for loans of $50,000 or less.

10.1.20

Restaurant Self-Certification Process is now open

DCED announced that restaurants can now access the online self-certification form on PA.gov/COVID. The self-certification process enables restaurants, private social clubs and food service businesses that serve dine-in, sit down food in a regular, non-event capacity to increase indoor occupancy to 50 percent. View more details here.

08.10.20

COVID-19 Relief Statewide Small Business Assistance
Second and Final Opportunity

Pennsylvania small businesses with 25 or fewer full-time employees, have annual revenues of $1 million or less, and were economically impacted by COVID-19 are encouraged to apply for relief.

Grant awards will range from $5,000 to $50,000. It is not a first-come, first-served program. There will be multiple rounds of application windows, and applications will be prioritized and selected for funding based on the program criteria.

The second application window opens today, August 10th and will remain open for fifteen business days until 11:59 PM on August 28th. All eligible businesses must apply through a Community Development Financial Institution (CDFI) in the county that their business is located.

If you applied during the first application window, you do not need to reapply. Qualified applications will be automatically rolled over into the next funding round for consideration.

In order to get funds to businesses in need as quickly as possible, the second application window will be the final opportunity to apply for the program. The grant awards for businesses in the second application window will be made in two decision rounds for funding.

07.16.20

Renew Cumberland CARES Grant Application

The Cumberland County Board of Commissioners and the Renew Cumberland Task Force announced that Cumberland County municipalities, county government, small businesses, tourism businesses, and nonprofits will be able to apply for block grants available through the CARES ACT. Cumberland County received $22.9 million through the CARES ACT.

Cumberland County created the Renew Cumberland Task Force to manage the block grants. The task force, made up of county officials and CAEDC, are charged with evaluating applications and submitting funding recommendations to the Cumberland County Commissioners who will make final funding awards.

The application process will be open until Thursday, July 30 at 4:30 p.m. Successful applicants will be notified in mid to late August, and the grant money must be used by Wednesday, Dec. 30, 2020.

Find eligible uses, guidelines and links to the application here.

07.6.20

Relief for Renters and Homeowners

Renters and homeowners who were financially impacted by the economic slowdown related to the coronavirus pandemic may now apply for rent and mortgage relief through the Pennsylvania Housing Finance Agency (PHFA).

To qualify, renters or homeowners must document a minimum 30% reduction in income since March 1 related to COVID-19 or have been unemployed after
March 1.

Please click here to access the application.

06.30.20

COVID-19 Relief Statewide Small Business Assistance

Pennsylvania small businesses with 25 or fewer full-time employees, have annual revenues of $1 million or less, and were economically impacted by COVID-19 are encouraged to apply for relief.

Grant awards will range from $5,000 to $50,000. It is not a first-come, first-served program. There will be multiple rounds of application windows, and applications will be prioritized and selected for funding based on the program criteria.

The first application window opens today, June 30th and will remain open for ten business days. All eligible businesses must apply through a Community Development Financial Institution (CDFI) in the county that their business is located.

06.18.20

Updated Paycheck Protection Program Guide to Forgiveness

Changes include:

  • Extending the time to spend PPP funds from 8 weeks to 24 weeks;
  • Lowering the amount that must be spent on payroll from 75% to 60%;
  • Extending the deadline to restore FTEs and payroll from June 30, 2020 to Dec. 31, 2020; and
  • Setting the repayment term for loans made after June 4, 2020 at five years.

06.05.20

Marriott / Hilton standards for travel (cleanliness practices)

In addition to the above brand mandates – this is what our three hotels in Mechanicsburg have rolled out:
*Utilizing hospital grade sanitation supplies in rooms
*All team members wearing protective gear (masks/gloves – depending on role)
*6ft distance barrier at front desk & furniture separation in lobby
* Sanitize stations & hourly sanitation in lobby
* Mitigating crowds in public space: To-Go breakfast and removal of coffee stations (we are serving our guests per order at front desk)

05.20.20

New Paycheck Protection Program Guide to Forgiveness

05.15.20

SBA and Treasury Release Paycheck Protection Program Loan Forgiveness Application

05.04.20

SBA opens Economic Injury Disaster Loan (EIDL) to Agricultural Businesses

04.28.20

Town Hall with PA State Rep. Sheryl Delozier – Thursday, April 30 @ 12pm
Register in advance here. Zoom details will be provided upon registration.

04.27.20

SBA Paycheck Protection Program (PPP):
The Paycheck Protection Program (PPP) loan is designed to provide a direct incentive for small businesses to keep their workers on the payroll. The SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. An additional $310 billion has just been approved to extend the PPP through the U.S. Small Business Administration. Applications can be submitted today from participating program lenders and is on a first come, first served basis.
PPP Lenders:
If you wish to begin preparing your application, you can download a copy of the PPP borrower application form to see the information that will be requested from you when you apply with a lender. To find eligible PPP lenders near you, visit the U.S. Small Business Administration website and type in your zip code.

04.17.20

Independent Contractor’s Guide to CARES Act Relief

04.16.20

Order of the Secretary of the PA Dept of Health directing public health safety measures for businesses permitted to maintain in-person operations
Save Small Business Fund – Marketing & Communications Toolkit

04.09.20

Cumberland County CareerLink information

04.07.20

Pennsylvania Manufacturing Call To Action Portal Available

04.06.20

NEW – Guide to Coronavirus Paid Leave Programs
Coronavirus Small Business Guide
Coronavirus Emergency Loans Small Business Guide and Checklist
Economic Injury Disaster Loan (EIDL) Program Guide
Employee Retention Tax Credit Guide

04.02.20

SBA EIDL Guide
Employee Retention Credit Guide
Small Business PPP Loan Guide