COVID-19 Business Resources
Business Resources during COVID-19
OPENS TODAY 5/3/21 - Restaurant Revitalization Grants: The application portal for the SBA’s Restaurant and Revitalization Fund (RRF) opens today at 11 a.m. Register and apply at: restaurants.sba.gov. Review official guidance, including frequently asked questions, an application sample and required documents at: sba.gov/restaurants. Recipients are not required to repay the funding as long as funds are used for eligible uses no later than March 11, 2023.
Shuttered Venue Operators Grant is accepting applications. This grant provides emergency assistance for eligible venues, including movie theaters, museums, live performing arts organization operators and more, affected by the COVID-19 pandemic. Eligible venue operators may qualify for grants equal to 45% of their gross earned revenue. You are encouraged to apply as funds are not yet exhausted. Learn more about the SVO grant and how to apply here.
For assistance with your applications or for more information, contact Aaron Harned, KY Small Business Development Center at 270-953-0153 or email@example.com.
New State Guidelines: Today (November 18, 2020) Governor Andy Beshear announced new mandates to combat the spread of COVID-19. These will take effect beginning on Friday, November 20 at 4 p.m. Central time with a three to six week duration.
The Governor said these mandates represent the state’s 3rd “counter attack against the virus” and strongly stated “this is not and there will not be a shut down.” Instead, he said, the changes are targeted steps to stop the spread and added they are designed to cause the least amount of disruption possible.
Among the biggest changes (most of which have a mandate from Friday, November 20 through Sunday, December 13):
- Restaurants and bars will be closed for indoor dining services (can still do outdoor dining, delivery and to go)
- Limited indoor social gatherings: Limited to your current household plus one other household; and not to exceed eight people.
- Indoor venues, event spaces or theatres can host no more than 25 people per room. This includes funerals and weddings. Does not apply to places of worship - rules to be issued tomorrow.
- Gyms, fitness centers, bowling alleys, pools and similar businesses must reduce capacity to 33% occupancy. Group classes are prohibited. Anyone inside the facility must maintain 6 ft. distance, and masks are required. No indoor practices for any sports.
- Professional services and office-based businesses must reduce capacity to 33% and allow as many employees to work from home as possible. If possible, these businesses should close to the public and, if open, maintain 33% of employees at most in the facility at one time.
- All public and private schools (K-12) will cease in-person instruction beginning Nov. 23. Middle and high schools will remain in remote instruction until January 4, 2021. Elementary schools may reopen on Dec. 7 if their county is not in the red zone and the school follows all Healthy at Schools guidance.
Fall Sports: The Kentucky High School Athletic Association (KHSAA) has postponed all fall sports and practices until past the Dec. 13 date. That same decision will be applied to all indoor recreation facilities, prohibiting indoor practices for sports teams. Individual lessons are allowed, but masks are required.
KHSAA has also delayed the start of basketball season and other winter sports until January 4 and will conclude the season in late March in the hope of avoiding too much overlap with spring sports. The decision governs public schools in the state of Kentucky. January 4 also will mark the beginning of other winter sports -- swimming, wrestling and competitive cheer and dance. University and colleges are also being asked to move to virtual instruction.
Relief for Restaurants and Bars: Gov. Beshear has allotted $40 million to assist restaurants and bars impacted by these shutdowns. Businesses that qualify will receive $10,000 to use for various costs. The maximum award is $20,000, if a qualifying restaurant or bar has more than one location. Businesses with 50% of sales via drive-thru will not be eligible and no publicly traded company will qualify. Applications will be accepted online from Nov. 30 to Dec. 18. It will be administered by the Public Protection Cabinet. More details about Team Kentucky Food and Beverage Relief Fund and the application process will be released by the Governor’s Office soon.
COVID-19 Contract Tracing Update: The Cabinet for Health and Family Services and the Kentucky Public Health departments have issued new information regarding Contract Tracing Strategy Adaptations. During an epidemic, contact tracing can be useful as a mitigation strategy, however when the disease incidence is too high, it exceeds public health system capacity and must be adapted to prioritize efforts. These three documents show the adaptations, what to do if exposed and COVID-19 Patient Guidance.
- Contact Tracing Prioritization Document
- Guidance If You Were Exposed to COVID-19
- COVID-19 Patient Guidance
Recent Numbers: The Daily Report issued by the Governor had the state with 2,753 cases today and 15 total new deaths. The state’s COVID-19 Testing Positivity Rate is 9.13% based on a 7-day rolling average. McCracken County was listed with 52 new cases today (11/18/20) and a total of 2,008 cases. For a copy of the daily report, click here.
Updated 11-3-20: PPP Forgiveness Factsheet
COVID-19 Guides and Resources from the U.S. Chamber of Commerce
- Guide to PPP Loan Forgiveness
- Reopening Business Digital Resources Center
- Reopening Business Digital Resources Center Toolkit
- Small Business Reopening Playbook
- Main Street Lending Program Guide
- State-by-State Business Reopening Guidance
- Backgrounder on Health Coverage Options
- Backgrounder on Unemployment Insurance Under the CARES Act
- Independent Contractor’s Guide to CARES Act Relief
- Coronavirus Emergency Loans Small Business Guide and Checklist
- Temporary Paid Leave and Family Medical Leave Guide
- Economic Injury Disaster Loan (EIDL) Program Guide
State Guidelines for Reopening Businesses: Industry guidelines were released yesterday under the Healthy at Work plan outlined by Gov. Beshear. Specific businesses will be allowed to open May 11 with new minimum requirements, as well as industry specific requirements. Click below to find those requirements by industry:
June 10, 2020:
- Barbershops/Cosmetology/Hair Salons 2.0 (up to 50% capacity)
- Massage Therapy 2.0 (up to 50% capacity)
- Nail Salons 2.0 (up to 50% capacity)
- Tanning Salons 2.0 (up to 50% capacity)
- Tattoo Parlors 2.0 (up to 50% capacity)
The 10 rules to reopening a business under the Healthy at Work plan are:
- Continue telework where possible
- Phased return to work
- Onsite temperature/health checks
- Universal masks and other necessary PPE
- Close common areas
- Enforce social distancing
- Limit face-to-face meetings
- Sanitizer/hand wash stations
- Special accommodations
- Testing plan
Click here to learn more.
Five Tips from the U.S. Chamber for Small Businesses and Customer Relationships: As we continue to navigate the COVID-19 pandemic and embrace the “new normal,” it’s critical for business owners to implement and enforce policies and procedures to keep employees, customers and communities safe. The U.S. Chamber has consolidated “5 Tips for Managing Customer Expectations” with insights from business owners across a variety of industries. They found transparency is key and so is feedback. Here’s a link to view these Five Tips.
Personal Protective Equipment Needed to Reopen Businesses: Support our Local PPE Suppliers: Having the proper and required personal protective equipment is critical to opening a business once it is allowed by state guidelines. In this time of need, the Paducah Chamber is helping to identify companies that are manufacturing or selling PPE to local businesses. Check out these local suppliers for all of your needs. Shop Local, Buy Local. *Note: This list is compiled from businesses who responded to our survey. If you would like your business added as a supplier, please respond to our survey.
PADD Small Business Capital Loans: The Purchase Area Development District (PADD) is offering small businesses working capital loans up to $25,000. The PADD COVID-19 BUSINESS RELIEF WORKING CAPITAL LOAN PROGRAM will allow small businesses to request a low interest, working capital loan for three months of business expenses. PADD received approval from the Economic Development Administration to use their EDA Revolving Loan Fund to provide short term working capital loans for small businesses that were unable to receive assistance from the SBA Paycheck Protection Program (PPP) or the SBA Economic Injury Disaster Loan (EIDL) program.
Eligible expenses include payroll, interest payments on business debt, interest payments on mortgages, rent/lease payments, utilities, and working capital for inventory, supplies or payments to vendors. The loans will have six months of deferred payments and the maximum loan term is 36 months. Other details can be found below.
- PADD COVID Program Information
- PADD COVID Application Guidelines
- PADD COVID How to Calculate Payroll Costs
- PADD COVID Application Instructions
- PADD COVID Application Packet
Completed applications and supporting documentation should be emailed to firstname.lastname@example.org for faster processing. Applications will be accepted until June 30. Questions should be directed to Mike Maxwell, Business Lending Specialist, PADD, at 270-251-6170 or via email.
Small Business Resource Guide: America's Small Business Development Center (SBDC), Grow with Google and the Washington SBDC Network have created a Small Business Resiliency Guide to help small businesses create a plan for recovery. Click here to learn more.
Employer’s Handbook on Kentucky’s Unemployment Insurance: The Cabinet for Education and Workforce Development has created a handbook for employers related to unemployment insurance and COVID-19. Click here for a copy.
Resources for Employers: To read Governor Beshear’s news releases and watch other news regarding COVID-19, go to governor.ky.gov.
- Visit the state’s dedicated website: kycovid19.ky.gov
- Call the COVID-19 Hotline: 1-800-722-5725
- View the Centers for Disease Control and Prevention's webpage: Interim Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease
- U.S. Chamber Coronavirus Resource Website
- U.S. Chamber Disaster Help Desk
- Resources to Help Your Small Business Survive
Signage for Businesses Staying Open: Remember the state is requesting that all public-facing businesses that are remaining open post the attached signs at all entrances. You can access those signs here.
Small Business Resources Available from the McCracken County Library: The library is continuing to serve our local businesses and the community during this time. You can continue to access business research databases plus the training platform Lynda.com. This is a leading online learning platform that helps anyone learn business, software, technology, and creative skills to achieve personal and professional goals. Business owners and employees can access a video library of engaging, top-quality courses taught by recognized industry experts. A personal subscription to this runs about $30 a month but you can access this for free with your McCracken County Public Library card. These resources are available 24/7 from home for use by small businesses. If a library card is needed, apply at mclib.net/join and the library will email a card within two business days. Digital library cards are free to all residents of Kentucky and Massac County, IL. Reference questions can be emailed to email@example.com or you may leave a voicemail at 270-442-2510 and someone will get back with you. All of the library’s databases are listed at this site by clicking here.
Jobs Board: Some of our local businesses are continuing to hire. If your company is hiring, we ask that you please let us know by posting it on our jobs board.
Job Opening Information: The Kentucky Chamber Workforce Center staff is working with employers looking for talent due to surges experienced with COVID-19. The Workforce Center team is working with Kentucky's Workforce and Education Cabinet and Career Centers across the state to identify talent currently experiencing job loss due to COVID-19.
Download the Who's Hiring Report
Fill Out this Form if Your Company is Hiring
Visit the Who's Hiring Website
Murray State University - The Murray State University Center for Economic and Entrepreneurial Development (CEED) is here to assist small businesses though consulting and connections to resources and services. Click here for a new resource guide MSU has compiled. (Updated 5-7-20)
Click here for the College of Business Resource Guide. (Updated 4-17-20)
Purchase Area Development District (PADD) - Are you a small business that needs help with planning, or navigating through a loan progress? Call Mike Maxwell, Business Lending Specialist, at the Purchase Area Development District (PADD) at 270-251-6170. Click here to learn more.