Crisis Center

Opening Up America Again

April 19, 2020 - President Trump and the CDC unveiled Guidelines for Opening Up America Again, a three-phased approached based on the advice of public health experts. These steps will help state and local officials when reopening their economies, getting people back to work, and continuing to protect American lives.  -->Read Guidelines for Opening Up America (pdf)

 
 

COVID-19 GIS MAP

Financial Relief Resources

  • SBA Financial Relief At-a-Glance >

    The SBA offers several financial relief options for small business owners. Below is your at-a-glance reference with links to read further any any program.

    EIDL (Emergency Injury Disaster Loan) Program-->Learn more

    • Through SBA, up to $2M, 3.75%, 30 yrs, <$200k, no guarantee, $25k bridge loan, P&I deferment up to 4 years

    EIDL Emergency Grant-->Learn more

    • Through SBA, up to $10,000 paid within 3 days, no required to repay

    PPP (Paycheck Protection Program)-->Learn more

    • Through approved SBA lender, up to $10M, 1.00%, 2 yrs, no personal guarantee, no collateral, no prepayment fee, caps on lender fees, potentially forgiven

    SBA Debt Relief-->Learn more

    • 6 months P&I and expenses paid by SBA (may be taxable, unclear), current 7(a), 504 and microloans not made under this Act

    SBA Bridge Loans-->Learn more

    • Small businesses with current relationship with SBA lender, up to $25k, fast turnaround, repaid in full or part with EIDL proceeds

    adapted in part from Blazio LLC and ROI Business Services, LLC

    Additional SBA Resources

    CARES Act Information

    Coronavirus Emergency Loans - Small Business Guide and Checklist -->View PDF

    CARES Act, What Small Businesses Need to Know -->WEBSITE

    Fact Sheets

  • Paycheck Protection Program - UPDATED Apr. 2nd >

    The Paycheck Protection Program provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities. Funds are underwritten and funded by local banks and guaranteed by the SBA. The new loan program will be available retroactive from Feb. 15, 2020, so employers can rehire their recently laid-off employees through June 30, 2020. April 2nd updates are highlighted.

    Fully Forgiven
    Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.
    Must Keep Employees on the Payroll—or Rehire Quickly
    Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease. 
    All Small Businesses Eligible
    Small businesses with 500 or fewer employees—including nonprofits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorship, and independent contractors—are eligible. Businesses with more than 500 employees are eligible in certain industries. 
    Loan Terms
    All loans under this program will have the following identical features:
    • Interest rate of 1.0% (Treasury changed from 0.50% on 4/2/20)
    • Maturity of 2 years (Treasury changed from 10 years on 3/31/20)
    • First payment deferred for six months
    • 100% guarantee by SBA
    • No collateral
    • No personal guarantees
    • No borrower or lender fees payable to SBA
    • Loan forgiveness is available
      • Note: The loan forgiveness amount can be reduced if there is a reduction in the number of employees or a reduction of greater than 25% in wages paid to employees

      • Note: To have loan amounts fully forgiven, at least 75% of forgiveness amount calculated must be for payroll costs. (This is a NEW requirement from the Treasury as of 03/31/2020.)

    When to Apply
    Starting April 3, 2020, small businesses and sole proprietorships can apply. Starting April 10, 2020, independent contractors and self-employed individuals can apply. We encourage you to apply as quickly as you can because there is a funding cap. 
    How to Apply
    You can apply through any existing SBA 7(a) 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. All loans will have the same terms regardless of lender or borrower.
     
    A list of participating lenders as well as additional information and full terms can be found at www.sba.gov. The Paycheck Protection Program is implemented by the Small Business Administration with support from the Department of the Treasury. Lenders should also visit www.sba.gov or www.coronavirus.gov for more information.
     
    Paycheck Protection Program Additional Resources: 
     
    VIEW RECORDING of live informational session on PPP with Julie Needs (Executive Director, SOD Center) and WIlliam Dawes (President, Downtown Salem Partnership)
     
     
  • New EIDL Information - April 10th Update >

    March 30th UPDATE:
    The U.S. Small Business Administration (SBA) has provided additional guidance regarding the $10,000 forgivable loan advance in accordance with the CARES Act.
    To be eligible for the $10,000 Economic Injury Disaster Loan (EIDL) forgivable loan advance, businesses will need to complete the new application that launched March 30th even if they have already competed one of the prior versions of the application or if the business has already been declined for a loan. This Advance may be available even if your EIDL application was declined or is still pending, and will be forgiven.
    If you wish to apply for the Advance on your EIDL, please visit  www.SBA.gov/Disaster as soon as possible to fill out a new, streamlined application. Applying for the Advance will not impact the status or slow your existing application.
     
    April 10th UPDATE
    We learned from the Small Business Development Center (SBDC) that the $10,000 Emergency Fund Advance has CHANGED. The understanding is that it will be based on $1000 per employee, up to a maximum of $10,000 per company.
     
    At this point it is unclear whether you will receive the advance based on the number of employees you indicated in your submission OR whether you will receive the full $10,000 with the expectation that the portion not covered by your employee count will need to be repaid under the terms of the loan.
     
    Of equal importance, it is the recommendation of the SBDC that if you applied and your entered zero to the question of the number of employees because you have no one on payroll and you as a self-employed owner did not consider yourself as an employee, YOU MAY WISH TO CONSIDER REAPPLYING IMMEDIATELY
     
    It is recommended that you deal with the challenge of duplicate submissions when contacted. For clarification of who qualifies "as an employee" please contact customer service.
     
    SBA Disaster Customer Service
    1-800-659-2955
     
    SBA Loan Resources:
     
     
  • SCORE Small Business Resource Hub >

    SCORE Coronavirus Small Business Hub offers FREE trusted business guidance and resources, remote mentoring, and much more.

    Visit here: SCORE Coronavirus Small Business Resource Hub

    Read: What to Do NOW to Save Your Small Business from COVID-19

    Upcoming Live Webinars for Small Business on your coronavirus-related concerns:

    • APRIL 9 - Coronavirus and your Small Business - Live Q&A with SCORE Mentors Read more or Register -->HERE
    • APRIL 16 - National Resources and Policy Updates for Small Businesses Impacted by COVID-19 Read more or Register -->HERE
    • APRIL 28 - Marketing Advice to Combat an Economic Downturn Read more or Register -->HERE
  • Resources from Main Street USA >

    Main Street America has a COVID-19 Main Street Resources page with several helpful funding resources. Follow the link below to view a few that maybe you have not yet seen.

    -->View Funding Programs & Business Support at Main Street America

    Main Street America also offers these tips for Main Street Businesses, which many of our downtown businesses have already implemented!

    ✓ If your business is staying open, publish commitment to public health and outline actions for ensuring a clean facility and healthy staff; have hand sanitizer available for customers and latex gloves available for employees

    ✓ Offer digital gift cards that customers and patrons can buy now and use later

    ✓ Start, maintain, and enhance business web pages, online shopping opportunities, and social media presence

    ✓ Keep customers updated on new experiences or products you'll offer when conditions improve

    ✓ Develop customer membership programs, such as “subscribe and save” on delivery or pickup of coffee beans, fresh produce, etc.

    ✓ Develop online shopping list services. For example, many grocery stores offer grocery pickup or delivery to customers who submit shopping lists online.

    ✓ Offer digital services and support to virtually sell, answer questions, and provide customer service

    ✓ Keep it lively! Offer trivia nights via livestream and provide virtual tours of your shop

  • Other Small Business Resources >

    Small Business Action Plans

    Constant Contact has downloadable action plans for different industry types (small business, retail, non-profit, real estate, home and building, etc.) -->Go To Action Plans

     

    Hello Alice

    Hello Alice helps small business owners and entrepreneurs launch and grow. They have quickly pivoted to build the Resource Center during this crisis. -->COVID-19 Business Resource Center 

     

    CoStarters

    Business Recovery Program - Refocus. Stabilize. Recover.

    -->CoStarters Recovery Guide

    Recurring Webinar - Refocus: Go Back to the Basics to Save your Business - April 3, 2020, 3-5pm -->See all dates

    Join a 2–hour free virtual workshop that will help you find the focus and clarity you need to shift your mindset and find a new way forward. If you feel stuck, join us to identify your best next steps together. In this workshop you will:

    • Determine immediate next steps needed to stabilize
    • Re-examine your venture using the CO.STARTERS Canvas
    • Strategize how to better solve your customers’ changing needs
    • Learn how to adapt or refine your business model

     

    $1 Million advertising fund for local businesses

    Ogden Newspapers, Salem News, has established a $1,000,000 grant fund to assist #SalemOhio locally owned businesses during this challenging time. Learn more...

     

    Miscellaneous Resources

     

    Helpful Articles

    A guide to helping small businesses navigate and recover from the COVID-19 crisis -->Read More 

    How COVID-19 is Impacting Small Business, and What You Can Do About It -->Read More

    Keep Your Small Business Going During a Crisis -->Read More

 

State of Ohio Resources

  • New! Ohio Office of Small Business Relief formed >

    Ohio Governor Mike DeWine and Lt. Governor Jon Husted announced the creation of the Office of Small Business Relief within the Ohio Development Services Agency. The Office will coordinate state efforts to identify and provide direct support for Ohio's nearly 950,000 small businesses.

    The Office will initially focus on three key areas:

    • It will serve as the state's designated agency for administrating federal recovery funds awarded to Ohio for small business support and recovery.
    • It will work with federal, state, and local partners to evaluate and determine possible regulatory reforms that encourage employment and job creation.
    • It will coordinate efforts of the Ohio Small Business Development Centers and Minority Business Assistance Centers at local levels.

    Resources for small businesses are now available online at coronavirus.ohio.gov/businesshelp. New services and support identified by the Office of Small Business Relief will be added to the site.

  • Ohio COVID-19 Job Search Resource >

    The Governor's Office of Workforce Transformation has developed a website specifically geared toward matching essential businesses with Ohioans who are able and willing to work as an essential employee during the COVID-19 crisis.

    Both essential businesses and job seekers can visit the site to post and search -->GO TO WEBSITE

  • State of Ohio Request for PPE >

    The State of Ohio is requesting information from manufacturers able or willing to make PPE

    Request information by email at: This email address is being protected from spambots. You need JavaScript enabled to view it.

     

    Are you curious about contracting with the Department of Defense as part of the COVID-19 Emergency Response? -->Download Information

  • Ohio Department of Health >

  • Ohio Department of Job & Family Services >

    The Ohio Department of Job and Family Services has released a mass layoff number to include with any unemployment claims that are the result of the Coronavirus (COVID-19).

    • Office of Unemployment Insurance Operations-->GO TO WEBSITE
    • Coronavirus & Unemployment Insurance Benefits - Ohio Department of Job & Family Services --> GO TO WEBSITE
    • Mass Layoff Form to Distribute to Employees -->PDF FORM DOWLOAD
    • SharedWorks Ohio - Voluntary layoff aversion program allowing workers to remain employed and employers to retain trained staff during times of reduced business activity --> GO TO WEBSITE
  • JobsOhio >

    Economic impact Report

    From JP Nauseef, President and CEO, JobsOhio
     
    As we see the global landscape greatly impacted by this pandemic, we are reminded of the important ways that companies in Ohio are doing their part to flatten the curve and provide resources to those in need.  -->Economic Impact Report - JobsOhio
     
    This page will continue to be updated with information as will our social media feed with key updates for the business community. Remember, we are in this together. #InThisTogetherOhio

    Ohio Safe. Ohio Working

    Ohio Safe. Ohio Working. -->GO TO WEBSITE

  • Ohio BWC Premium Deferral >

    To help businesses facing difficulties due to the COVID-19 pandemic, the Ohio BWC is announcing that insurance premium installment payments due for March, April, and May for the current policy year may be deferred until June 1, 2020. At that time the matter will be reconsidered.  
     
    "BWC will not cancel coverage or assess penalties for amounts not paid because of the coronavirus pandemic," said Lt. Governor Husted. "Installment payments due for the three-month period are totaled at approximately $200 million, and that money will now stay in the economy." For more information, visit the --> BWC website.
     
  • Additional State-level Support >

    Liquor Buy-Back

    The Lt. Governor has also announced a temporary buy-back of high proof liquor products purchased within the last 30 days. The goal is to ease cash flow for bar/restaurant owners. Visit the Department of Commerce website HERE to learn more. Liquor should be returned to the Agency where it was purchased. If you have questions you may call 1-877-812-0013 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

     

    TechCred

    Lt. Governor Jon Husted suggests Employers use Ohio Tech Cred now to upskill workforce and have them ready for future growth when we are past this crisis.
    The TechCred program gives businesses the chance to upskill current and future employees in today’s tech-infused economy. Credentials that are eligible under TechCred must be short-term, industry-recognized, and technology-focused. The state will reimburse up to $2,000 of training upon completion of a credential. Many of these trainings can be completed online!
    Ohio Tech Cred program is enrolling now through March 31st --> GO TO WEBSITE

     

    Ohio Department of Transportation Waiver

    The Ohio Department of Transportation (ODOT) is modifying the process for haulers carrying heavy loads of essential goods. 

    To assist in the state’s response to the COVID-19 outbreak, ODOT will modify the process for haulers carrying heavy or oversized loads of food, non-alcoholic beverages, medical supplies, cleaning products, and other household goods. -->Download and Print Permit

    Ohio Department of Insurance 

    Grace Period for Health Insurance Premiums - All health insurers are required to provide the option of deferring premium payments, interest free, for up to 60 calendar days from each original premium due date. This means that employers can defer their premium payments up to two months, giving them some relief on costs, while keeping their employees insured. -->View Bulletin

  • ARC (Appalachian Regional Commission) Interactive COVID-19 Maps >

     
    Appalachian Regional Commission has provided new resources documenting COVID-19 spread in Appalachia in relation to the rest of the nation
     
    COVID-19 Cases in Appalachia Interactive Map (Click on map)
    This interactive map displays the current number of confirmed cases of COVID-19 in Appalachia, and throughout the United States. By clicking on a location, users can also see confirmed COVID-19 cases, and any related deaths, at the county level. This map is automatically updated throughout the day by drawing on data collected by the Johns Hopkins University. Click on map to use
     
    Searchable Database Interactive Tool by County (Click on image)
     
     
    This tool presents a demographic data snapshot of confirmed COVID-19 cases and deaths in relation to hospital bed counts, population and businesses, and categories of people at risk for COVID-19 in infographic form for each one of the nation’s counties. By clicking on each statistical icon, users can learn more about the supporting data. COVID-19 related data is updated daily. Click on image to use tool

 

 

Federal Resources

 

 

Manufacturing Resources

 
 

Public Health Updates

  • Public Health Resources >

  • Families First Coronavirus Response Act (FFCRA) >

  • ARC (Appalachian Regional Commission) Interactive COVID-19 Maps >

     
    Appalachian Regional Commission has provided new resources documenting COVID-19 spread in Appalachia in relation to the rest of the nation
     
    COVID-19 Cases in Appalachia Interactive Map (Click on map)
    This interactive map displays the current number of confirmed cases of COVID-19 in Appalachia, and throughout the United States. By clicking on a location, users can also see confirmed COVID-19 cases, and any related deaths, at the county level. This map is automatically updated throughout the day by drawing on data collected by the Johns Hopkins University. Click on map to use
     
    Searchable Database Interactive Tool by County (Click on image)
     
     
    This tool presents a demographic data snapshot of confirmed COVID-19 cases and deaths in relation to hospital bed counts, population and businesses, and categories of people at risk for COVID-19 in infographic form for each one of the nation’s counties. By clicking on each statistical icon, users can learn more about the supporting data. COVID-19 related data is updated daily. Click on image to use tool
 
 

Free Webinars

 

Facebook LIVE Event - SOD Center and Downtown Salem Partnership: Understanding the CARES Act and the Paycheck Protection Program - April 14, 2020, 10:30am

Go to Facebook Event HERE  ~or~  use THIS LINK at the event date and time

Navigating Uncertainty: Leveraging Emotional Intelligence - April 15, 2020, 11am-12pm

National Resources and Policy Updates for Small Businesses Impacted by COVID-19 - April 16, 2020, 1-2:30pm

Leveraging Disruption: Strategies for Supporting You and Your Team - April 17, 2020, 2-3pm

Transitioning to a Remote Workforce During COVID-19 - April 21, 2020,  2pm

Taking the Lead: 5 Things Every Supervisor Needs to Know - April 22, 2020, 2-3pm

Marketing Advice to Combat an Economic Downturn - April 28, 2020, 1-2pm

How to Build Resilience for Turbulent Times: Renewal, Stamina and Agility - April 29, 2020, 2-3pm

 

Recurring Webinar

Refocus: Go Back to the Basics to Save your Business -->See all dates

From CoStarters - Join a 2–hour free virtual workshop that will help you find the focus and clarity you need to shift your mindset and find a new way forward. If you feel stuck, join us to identify your best next steps together. In this workshop you will:

  • Determine immediate next steps needed to stabilize - 
  • Re-examine your venture using the CO.STARTERS Canvas
  • Strategize how to better solve your customers’ changing needs
  • Learn how to adapt or refine your business model
 
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Start Growing In Salem.

We support your business growth through site selection, retention, expansion, entrepreneurship, infrastructure, workforce development and quality of life. No wonder, businesses are Growing In Salem.

How SOD Center Does Work for You.

"We support all businesses, small and large, to attract, retain, expand and develop. We help build entrepreneurship, provide training facilities and connect you with the right resources – while collaborating with regional, state and national resources. We are all Growing in Salem." - Julie Needs, Executive Director, SOD Center