uschamber.com - Oct, 2020
One way or another, coronavirus has likely impacted your business — for better or worse. We’ve been busy creating content to help you through this challenging time. It is organized here by category to help you easily navigate through it all.
If you're just getting started with reading our coverage, we suggest you start here first. These are our general articles on small business resources available during the coronavirus outbreak:
If you’re trying to get a better understanding of the federal government’s coronavirus stimulus legislation, you can read about that here:
If you’re looking for financial assistance and considering applying for a small business loan, we’ve got you covered. Here is all of our coronavirus small business loan content:
Now is also a challenging time for managing employees, keeping morale and productivity up and ensuring your company culture stays intact. Here is all of our content about managing your team through coronavirus:
Staying connected with customers is always challenging, but it’s more important now than ever. If you’re looking for creative ways to do that, check out our customer-focused marketing content:
Trying to run your business from home? With kids running around in circles? We get it. Here is some of our best advice on how to adjust to your new headquarters:
Looking for some inspiration? Here are some examples of how small businesses are adapting in the face of coronavirus:
How will coronavirus impact businesses in the long run? Here we ask experts to provide analysis on the ongoing outbreak and how businesses are adapting and will continue to adapt:
COVID-19 has brought the world’s economy to a grinding halt. The economic impact and recovery will last for months, and potentially even years. As congress and other government authorities move to save different areas of the economy, it’s important to understand what resources you have available to you as a small business owner.
Everyone’s first priority during this pandemic should be to stay safe and healthy — but maintaining your business’s health can be equally important. Take advantage of the following resources so you can stay informed and lessen the impact of the crisis.
U.S. Chamber of Commerce AssistanceThis section was updated with new information on 3/30/20:
The U.S. Chamber of Commerce has put together a number of resources for small business.
Assistance from the SBAThis section was updated with new information on 3/31/20:
The SBA is offering a few key programs to help small businesses survive the coronavirus outbreak. They are:
The SBA has created a comprehensive Coronavirus page with all of its resources in one place. You can find that page here.
The SBA announced it would offer disaster assistance loans for up to $2 million for small businesses affected by the coronavirus. These low-interest loans are available to businesses that have sustained “substantial economic injury” due to the spread of the coronavirus. You can apply for one of those loans here.
The SBA is also backing what are called Payroll Protection Loans. These loans are convertible to grants and do not have to be paid back provided you use the money for a list of acceptable expenses, primarily payroll. These loans are available from private lenders. The treasury department has just release more information on these loans. You can learn more here and see the application here. You will still need to apply at your local bank. You can also learn more about these loans in this Emergency Small Business Loan Guide from the U.S. Chamber of Commerce.
[For a full breakdown of SBA loans and federal response read: Everything You Need to Know About Coronavirus Federal Small Business Stimulus Aid Programs]
In addition to disaster relief loans, the SBA has a comprehensive list of resources available to small businesses during the crisis. This includes COVID-19 fact sheets; strategies for employees to adhere to; common problems small businesses may face, like supply chain shortfalls; and local assistance information.
Export-Import Bank of the United StatesAdditionally, the Export-Import Bank of the United States (EXIM) has announced relief measures for U.S. exporters and financial institutions that include waivers, deadline extensions, streamlined processing and flexibility for its customers for an initial period of 30 days, with the possibility of more, for the following programs:
For everything you need to know about applying for a small business loan, see the U.S. Chamber’s Small Business Loan Guide.
SCORESCORE is offering advice and assistance from its business mentors including help navigating financial challenges and assistance in applying for SBA disaster assistance loans. SCORE has centralized all of its assistance options here.
SBDCSmall Business Development Centers are local offices sponsored by the SBA to help small businesses. While the SBA has provided its own resources, SBDCs are also offering extensive help to small businesses throughout America.
This includes OSHA resources and information, like preparing workplaces for COVID-19, preventing worker exposure to COVID-19 and additional OSHA resources. You can also find links to the National Cyber Security Alliance for information on how to stay safe online during the pandemic and avoid typical scams associated with the disaster.
Making New Jersey More Inclusive: NJ Human Services Launches $1.4M Grant Program to Create Inclusive and Healthy Communities for Individuals with Disabilities
Department of Human Services, NJ - Oct, 2020
(TRENTON) – New Jersey Human Services Commissioner Carole Johnson today announced that the Department’s Division of Disability Services is launching a $1.4 million grant program to help communities across the state promote inclusive approaches to supporting the health and well-being of individuals with disabilities where they live, work, learn and play.
Human Services’ Division of Disability Services (DDS) is accepting proposals for the new Inclusive Healthy Communities (IHC) Grant Program. Under the IHC Program, non-profits, and local county or municipal government agencies can apply for support to ensure that the voice and needs of people with disabilities are included in healthy community planning.
“This year, as we mark the 30th anniversary of the American with Disabilities Act, we celebrate all that has been accomplished and acknowledge the additional work needed to continue to create inclusive communities,” said Commissioner Johnson. “With this grant program, we hope to further advance the vision of the ADA by helping communities across New Jersey ensure that individuals with disabilities have a voice in and equitable access to support services, community resources, and safe and accessible places to enjoy their communities and thrive.”
The program aims to promote change at the local level by addressing pre-existing physical, environmental, social and economic challenges that prevent people with disabilities from having full access to the conditions that support health and well-being. The goal is to advance tangible and sustainable transformation of practices, systems, and environmental conditions to ensure the inclusion of people with disabilities in healthy community initiatives.
“From ensuring that neighborhoods have safe and accessible walking paths to mobility device charging stations for individuals who rely on power wheelchairs to get around, communities across the U.S. are adopting the inclusive and healthy communities model to improve access for individuals with disabilities. We look forward to the creative and innovative solutions New Jersey organizations propose,” said Deputy Commissioner Elisa Neira.
Under the program, applicants can submit proposals for capacity building grants of up to $100,000 or implementation grants of up to $250,000.
Capacity building grants are available for applicants in the early stages of efforts to build disability inclusion into any existing healthy community planning efforts to identify priorities, build formal, collaborative partnerships and plan strategies that will result in lasting change.
Implementation grants are available for applicants who have already identified priorities, built partnerships and developed an action plan to address the challenges. Examples could include adaptive playground equipment, accessible trails/paved paths, wheelchair battery charging stations in community settings, color-schemed signage, community gardens with raised beds, curb cuts, voice-automated pedestrian signals, and many other possibilities that support inclusive principles.
“People with disabilities are disproportionately affected with chronic diseases and conditions such as obesity and high blood pressure. Through this program, we want to help communities improve the local environments and systems that can support individuals with disabilities stay active and access community resources so they can have better health outcomes,” DDS Executive Director Peri L. Nearon said.
DDS has partnered with the Edward J. Bloustein School of Planning and Public Policy at Rutgers, The State University of New Jersey to offer technical assistance and support to the IHC Grant Program. Interested applicants can learn more about the program and submit a proposal by visiting http://eac.rutgers.edu/ihc-grant-program/.
Bidders must submit a letter of intent to apply by October 26. Applications must be submitted by November 20.
covid19.nj.gov - 09/02/2020
Yes, attending a gathering, ceremony, or celebration is permitted as long as the event complies with the following limits on gatherings.
Gatherings are allowed, but different limits apply depending on the type of gathering, and where it is happening:
Face coverings are required in indoor public spaces and in outdoor public spaces when social distancing is difficult to maintain.
For more information on rules for indoor gatherings, refer to paragraphs 4-6 on pages 9 and 10 of Executive Order No. 183 and paragraph 1 on page 6 of Executive Order No. 152.
For more information on rules for outdoor gatherings, refer to paragraph 1 on page 5 of Executive Order No. 161 and paragraph 2 on pages 7-9 of Executive Order No. 152.
Safety Tips For Gatherings
During this difficult time, we understand everyone wants to spend time with family and friends. To ensure we don't inadvertently spread COVID-19 and needlessly put our loved ones at risk, the NJ Department of Health has offered some safety tips that can help reduce the risk of transmission when we gather in-person.
By Tom Bergeron, Roi-nj.com - September 28, 2020
Finding ways to create a more equitable and inclusive business climate in urban areas has been a goal of activists all summer. Finding the funding is more challenging.
On Monday in Newark, Mayor Ras Baraka announced the city and partners have been promised $2 million to create the “NWK FAM Fund” — a program aimed at putting capital in the hands of Black and Latinx business owners.
The new investment vehicle — short for “Newark 40 Acres and a Mule Fund” — aims to combat and reduce social and economic inequalities resulting from systemic racism.
The program, backed by prominent Black and Latinx investors, as well as leading corporate and philanthropic institutions, hopes to raise $100 million in investible capital, including $10 million by the end of the year.
“Black Lives Matter is not rhetoric, it’s a statement of action,” Baraka said. “It’s more than just eliminating racist behavior and inequality in our justice system; it’s about creating equality and opportunity for our black and brown communities.”
The NWK FAM Fund will be co-managed by Invest Newark (the city’s economic development corporation) and New Jersey Community Capital.
Officials said AT&T, Shaquille O’Neal, Panasonic, Carlos Medina, Nelson Mullins law firm, New Jersey Community Capital, Public Service Enterprise Group and Popular Bank are the first of the investors and corporate partners.
The fund also has an advisory board that consists of prominent financial, corporate and philanthropic leaders who share the fund’s vision of curing systemic racism with a systemic response. The initial board members include:
Baraka said the need for the fund is simple — and more pressing than ever.
“There are vast wealth disparities in our nation, state and city between white-owned businesses and Black and Latinx-owned businesses, clearly worsened by the pandemic,” he said. “We need to empower our entrepreneurs of color so that they can compete at increasingly higher levels. The Newark 40 Acres and a Mule Fund will bring pride and prosperity to our city as a whole and to our Black and Latinx business community in particular.”
According to the New Jersey Institute for Social Justice, the median net worth of New Jersey’s white families is $309,000, while the median for New Jersey’s Latinx and Black families is just $7,020 and $5,900, respectively. It is one of the worse racial wealth gaps in the nation.
Organizers said the objective of the fund is to close these gaps by providing Black and Latinx business owners with a more level playing field with their competitors.
Hall, the CEO of Invest Newark, said the model is the first of its kind in the country.
“We believe that we have created a national model where financial institutions, corporation donors and local economic development corporations partner to create a holistic investment platform that provides Black and Latinx businesses with access to the business contracts, patient capital and technical assistance necessary to grow despite the current pandemic and social unrest,” he said.
Officials said the initiative will drive economic wealth among Black and Latinx populations in Newark by leveraging invested capital, public subsidies and public assets to enhance the value of Black and Latinx-focused small businesses and real estate development.
Baraka said the city is superbly equipped to continue its immense economic progress.
The city is home to an international airport and seaport, a transcontinental train station, five major highways, headquarters to major corporations, the seventh-busiest indoor arena in the United States and more than 55,000 students and teachers attending high-level institutions.
New Jersey Community Capital President Wayne Meyer said Newark has had more than $5.6 billion in public and private investment and record levels of local job creation (pre-COVID-19) since 2014. He feels the fund can bring so much more.
“Despite over a century of broken promises, Black-owned businesses and entrepreneurs have thrived and been the economic engines of their communities,” he said. “It is a privilege for New Jersey Community Capital to help Mayor Baraka and his team provide capital to Newarkers looking to carry on this rich tradition.
“We are honored to be thought of as a trusted partner in the Newark FAM Fund and look forward to doing all we can to grow and sustain Newark’s Black and Latinx business community.”
The name of the fund comes from one of the earliest Reconstruction promises to the newly freed slaves of 1865 — one that provided each freshly emancipated family head with “40 acres and a mule” in America’s mostly undeveloped and unowned land at the time.
Under this initiative, “freedmen” and their families would be able to become small, independent farmers. However, the program was never pushed forward, and most of the freedmen rapidly reverted into a new form of semi-slavery as tenant “sharecroppers,” living in poverty and perpetually in debt to their white landlords.