COVID-19 Business Resources
Business Resources during COVID-19
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
Guidance on COVID Positive Employee: Paducah Main Street is offering tips for what an employer should do if an employee has tested positive for COVID-19. The flyer includes local testing sites, hours of operation and a phone number to call for an appointment. Click here for more information.
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.
Businesses Can Begin to Increase to 50% Capacity Soon: Businesses that have been at lower capacity as they reopened will be able to increase to 50% capacity one month after their original reopen date. This applies to:
- Car Dealerships: 30 days from May 11
- Funeral Homes: 30 days from May 20
- Restaurants: 30 days from May 22
- Barbers, Cosmetologists and Hair Salons: 30 days from May 25
- Massage Therapists: 30 days from May 25
- Tanning Salons: 30 days from May 25
- Tattoo Parlors: 30 days from May 25
All minimum restrictions and industry guidelines will remain under the expansion of capacity.
Personal Protective Equipment Needed to Reopen Businesses:
Return to Work: Employers are now able to upload their employees’ return to work dates in the Unemployment Insurance portal at kewes.ky.gov. Employers wishing to notify about employees returning to work should go to the site and select the “Employer Return to Work” button. Once a return to work date has been updated in the system, the claim is closed and the employee can no longer request a benefit payment. Any questions should be sent to UIAssistance@ky.gov with Return to Work in the subject line.
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.
Communicating Your Reopening Plans to Customers: The U.S. Chamber has prepared a guide on “How to Effectively Communicate Your Reopening Plans to Customers.” It’s an easy to read guide filled with ideas to consider implementing.
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.
Healthy at Work Phase 2 Announced: Gov. Beshear outlined a plan Thursday for the safe reopening of businesses in Phase 2 of his Healthy at Work initiative. Those businesses include:
May 22- Restaurants (at 33% capacity inside and unlimited outdoor seating with social distancing)
June 1 – Movie Theaters and Fitness Centers
June 11 – Campgrounds
June 15 – Child Care Centers and Youth Sports (low touch and outdoors only)
Bars and gatherings of 50 or fewer people will be allowed in Phase 3, which is expected in July.
All businesses should follow the 10 rules of staying healthy at work as well as industry-specific guidance, which will be issued as soon as possible. The state’s industry specific guidelines for these openings have not been released yet. We continue to update our website with this information.
For restaurants to begin to prepare, here is a link to the guidance from the National Restaurants Association. The Paducah Chamber and Paducah Convention and Visitors Bureau will host a webinar for the restaurants as soon as more guidelines are released. We are working with the Kentucky Restaurant Association. Stay tuned! It’s in the works.
CDC Guidance for Reopening America: The Center for Disease Control (CDC) issued reopening guidance this week for cleaning and disinfecting public spaces, workplaces, businesses, schools and homes. Reducing the risk of exposure to COVID-19 by cleaning and disinfection will be an important part of reopening businesses and public spaces. The guidance includes information to develop your plan, implement/maintain and revise your plan.
Reopening America Guidance
Cleaning & Disinfection Decision Tool
Send Us A Video! We want to showcase your business on our Facebook page: It’s easy and painless. Just create a short video (on your phone is fine) to promote your business. Take about 30 to no more than 45 seconds to share with others information about your business, your hours, a special you have, discount, etc. Be creative to inspire others to do business with you through online shopping, carryout, pickup, delivery, telebusiness, etc. Click here for more details!
Kentucky Chamber: Public Health Experts Discuss COVID-19 - As part of the Kentucky Chamber’s new “Restart Kentucky” initiatives, public health experts spoke with business leaders from across the state last Tuesday about what they expect in the coming weeks. Click here to view the webinar.
U.S. Chamber Foundation Conference Calls on the Path Forward: Beginning April 13 and continuing on Mondays and Thursdays at 2 p.m., the U.S. Chamber Foundation will host a new series of programs designed to help Americans think about how we can prepare to restart the economy. The program will feature conversations between U.S. Chamber President Suzanne Clark and a cross-section of experts. You must pre-register in advance for these calls. Click here to register.
U.S. Chamber: Personal Protective Equipment: As part of the U.S. Chamber’s PATH FORWARD, here’s a video discussing Personal Protective Equipment. They are also requesting your ideas and feedback. You can share your thoughts by answering a few questions for the U.S. Chamber by following this link.
U.S. Chamber Summary on Guidance Issued by the U.S. Occupational Safety and Health Administration (OSHA): The U.S. Chamber has created a summary outlining what employers need to know about protecting their workers as they maintain or resume operations during COVID-19. This is based on the recent guidance issued by the U.S. Occupational Safety and Health Administration (OSHA) in coordination with the Centers for Disease Control and Prevention (CDC). The summary describes OSHA's comments and addresses three of the main questions:
- How should employers protect their employees?
- Do employers have to record cases of COVID-19 on their injury logs?
- How will OSHA conduct enforcement related to Coronavirus?
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.
Poster for Businesses: The Department of Labor is requiring this poster to be on display in your business as of 4-1-2020. Here is a downloadable link of the poster.
How to Donate PPE: Gov. Beshear announced a new phone number (1-833-GIVE PPE) and website (giveppe.ky.gov) aimed at making it easier for people to donate personal protective equipment (PPE). PPE donations will also be accepted at all 16 Kentucky State Police posts across the commonwealth.
FAQ for Faith-Based Organizations: Are faith-based organizations, including houses of worship, eligible to receive SBA loans under the PPP and EIDL programs? Yes. The Small Business Administration has issued a document with answers to the most frequently asked questions for our faith-based organizations. Click here to review the document. For more questions, contact: Sharron.email@example.com, 502-276-7655
Paid Leave Programs: The U.S. Chamber has created a new Employer Guide with information and guidance on the new temporary paid sick leave and paid Family and Medical Leave Act (FMLA) programs through the Families First Coronavirus Response Act. Find that guide here. The Department of Labor has also issued clarifying guidance. Click here for details.
Guidance on Preparing Workplaces from the US Dept. of Labor, OSHA: This document recommends steps employers can take to reduce workers’ risk from COVID-19.
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 firstname.lastname@example.org 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.
Beware of Scams: The Better Business Bureau issued a warning for potential scams. Check out the list 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.