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As the Coronavirus situation continues to evolve, it is important for all employers to monitor the outbreak and implement strategies to protect their workforce while ensuring continuity of operations.
To help educate employers and employees on how they can prepare for and address the impacts of the virus, we are sharing information from multiple sources as it becomes available.
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Reopening your Business & Returning to Work
US States’ Small Business Support Amid the Coronavirus Pandemic
SBAM Call To Action – Safely Reopen Michigan
MIOSHA General Rules - Emergency Orders Coronavirus Disease 2019 - Issued 10-14-2020
SBAM Small Business Owners Guide to Getting Back to Work Safely
Occupational Safety and Health Act (OSHA) Guidance for Preparing Workplaces for Covid-19
Centers for Disease Control (CDC) Guidance for Businesses and Employers
Ottawa County Health Department Webinar with the West Coast Chamber of Commerce
#AllendaleStrong Open Sign (8.5"x11")
Free Printable Templates for Coronavirus Signage
Checklist: Reopening Your Small Business After the Coronavirus Shutdown
Securing Personal Protection Equipment (PPE)
- 3Dc19 Faceshields
- Fabric Face Coverings
- Additional Face Covering Options
- Michigan Manufacturers Association
- The Right Place West Michigan PPE Guide
- Michigan Chamber PPE Contacts
- Small Business Assoc. of MI PPE Contacts (only Chamber members can access this list with SBAM login)
- https://pmbc.connect.space/covid19/formsPure Michigan Business Connect
- Lakeshore Advantage PPE Request Form
Food Service Businesses
National Restaurant Association Reopening Guide
Ottawa County Health Department Food Service Employee Illness Screening Guide
Ottawa County Health Department Food Service Safety Guide
Checklist: Reopening Your Restaurant After the Coronavirus Shutdown
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Vaccination for COVID-19
Vaccination for COVID-19 is the path forward to controlling the disease and protecting Michigan residents.
Michigan COVID-19 Vaccination Interim Prioritization Guidance
Local Essential Worker Vaccination
Frequently Asked Questions - General Vaccine Information
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Stay Home, Stay Stay Executive Order
Gatherings and Face Mask Order
“Stay Home, Stay Safe” Executive Order (EO 2020-21)
Executive Order 2020-21 Guidance for Business
U.S. Cybersecurity and Infrastructure Security Agency Guidance on Essential Critical Infrastructure
Stay Home. Stay Safe. Save Lives. Summary of Allowable Activities
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Financial Assistance
There are four programs to explore if your business is in need of financial assistance. We recommend contacting your financial institution to review the options and make the decision that is best suited for your needs.
Most popular:
Economic Injury Disaster Loan - Expected to be Refunded
Paycheck Protection Program - Expected to be Refunded
SBA Bridge Loan
7(a) Loan ProgramOther options to consider:
Northern Initiatives Small Business Loans
Michigan Strategic Fund Awardee Relief Initiative
Lake Trust Micro Business Loan
MSU Foundation Pre-Seed Fund III
Federal Reserve Main Street Lending Program
USDA Business and Industry Loan Guarantee Program
PMBC COVID-19 Emergency Access and Retooling Grants
MWF Michigan Entrepreneur Resilience Fund
Rural Relief Small Business Grants
WomanUp and Pitch -
Economic Injury Disaster Relief Loans
SBA Economic Injury Disaster Loans have been opened up to Michigan allowing small businesses to access low-interest loans from the SBA. The EIDL designation means that Michigan small businesses, small agricultural cooperatives, and nonprofits that have suffered substantial economic losses as a result of the COVID-19 outbreak will now have the ability to apply for low-interest loans as part of $1 billion in funding made available to the SBA by Congress earlier this month.
Small businesses that could benefit from SBA loans are encouraged to start collecting the information they’ll need to complete and submit their application.
Examples of information needed can be found on the paper copy.
For additional information or to obtain help preparing the loan application in advance of the declaration, please contact the Michigan SBA offices in Detroit or Grand Rapids.
The Michigan Economic Development Corporation’s (MEDC) call center stands ready to support businesses looking for assistance through other available state programs. For more information, visit MEDC’s website or call 888.522.0103.
The official application for the Economic Injury Disaster Loan can be found here.
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Paycheck Protection Program Loan
The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program (PPP), the initiative provides 100% federally guaranteed loans to small businesses who maintain their payroll during this emergency. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.
If you are interested in applying for a PPP loan, please review the resources provided by the U.S. Department of Treasury for additional information.These loans will be issued on a first-come, first-serve basis starting April 3. In the meantime, the U.S. Chamber of Commerce has issued this guide to help small businesses and self-employed individuals prepare to file for a loan. -
SBA Bridge Loan Pilot Program
This pilot program allows SBA Express Lenders authority to deliver expedited SBA-guaranteed financing on an emergency basis for disaster-related purposes to eligible small businesses, while the small businesses apply for and await long-term financing.
-Up to $25,000 loan
-Fast turnaround – intended to be used while you apply for EDIL funding
-Will be repaid in full or in part by proceeds from the EIDL loan
-Apply through your SBA approved lender or bank -
7(a) Loan Program
The 7(a) Loan Program is SBA’s primary program for helping start-up and existing small businesses with financing guaranteed for a variety of general business purposes. SBA does not make loans itself, but rather guarantees loans made by participating lending institutions. In this way, taxpayer funds are only used in the event of borrower default. This reduces the risk to the lender but not to the borrower, who remains obligated for the full debt, even in the event of default.
In addition to Economic Development Foundation’s 504 lending duties, EDF also offers packaging services of 7(a) Loans to lenders all over the State of Michigan.
-Typical uses of SBA Guaranty:
Insufficient collateral available
Start-ups
Industry risk
Uneven earning performance
Longer maturities
Smaller down payments-Eligible Types of Business:
Organized for profit
Located in the US
An operating (not passive) business, engaged in an eligible industry
Small under SBA size standards
Demonstrate a need for credit-SBA Size Standards (For applicant business including any affiliates):
Tangible net worth less than $15 million AND
Net income (two year average) less than $5 million after tax-Eligible Use of Loan Proceeds:
Revolving working capital
Permanent working capital
Machinery/Equipment/Furniture/Fixtures
Purchase land and building, including construction and renovation
Business Acquisition
Refinancing existing business debts -
Families First Coronavirus Response Act
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Resources for Employee Mental Health Concerns
National Alliance on Mental Illness COVID-19 Resource Guide
Centers for Disease Control and Prevention (CDC) COVID-19: Managing Stress and Anxiety
American Psychiatric Association (APA) COVID-19/Coronavirus Resources and Information Hub
World Health Organization (WHO) COVID-19/Coronavirus: Mental Health Considerations
Solace Counseling Services Allendale
Ottawa County Communtiy Mental Health
Call Centers and Hotlines If you are experiencing high levels of stress, anxiety or depression, reach out for support.
Crisis Text Line: Text 741741
National Suicide Prevention Lifeline: 1-800-273-8255 -
Best Webinars To Help Your Business Through Covid-19
The amount of information coming in from every angle is overwhelming. To help you navigate all the resources, we've compiled a list of the best webinars being offered over the next 30 days from organizations we know and trust to give you great information.
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Resource Links for Employers
Allendale Chamber Business Resource Library
Centers for Disease Control and Prevention
Ottawa County Department of Public Health
Small Business Association of Michigan
Small Business Development Center
-Unemployment Insurance Agency
US Department of Labor Occupational Safety and Health Administration
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