Coronavirus (COVID-19) Resource Guide

 

COVID-19 Business Toolkit

Latest Updates and NC Executive Orders Regarding Coronavirus

 

The spread of the coronavirus (COVID-19) is having significant implications for the public as well as businesses here in Wayne County. We have heard concerns from a number of our members about the coronavirus pandemic and its potential impact on their personal and professional lives. As the situation continues to evolve, it is important for all employers to monitor the outbreak and implement strategies to protect their workforce.

We are monitoring the situation and want to provide useful tools and resources for our members as they become available. Below is a compiled list from local, state, national, and global resources that we hope will be helpful for your business in the weeks ahead.

 

 

** Before making any business decision, you should consult a professional who can advise you based on your individual situation.**

 

 

 

Smart Restart Wayne County

The Smart Restart Guide has been created to help you navigate how to best move forward. This comprehensive guidance includes many of the recommendations set forth by the CDC and other federal, state and local agencies. This resource will act as a living document, which we will update as this fluid situation changes.

 

Relevant Legislation or Executive Orders | Information
The federal government and the State of North Carolina are taking action to meet the COVID-19 situation. 

 

 

NC DHHS Interim Guidance for Restaurants

 

NC Department of Labor Guidance By Industry

 

Count On Me NC Program Info

 

 

The Trump Administration Is Supporting the People of North Carolina In Response to COVID-19 Updated 5/29

 

 

 

State

 

Q&A: https://files.nc.gov/governor/documents/files/EO-147-FAQ.pdf

Here’s a complete roster of Governor Cooper’s Executive Orders (EO) related to COVID-19.

“Essential Business” Designation | Information Submit your request to the N.C. Department of Revenue using their webform

 

COVID-19 Recovery Act (SB 704, HB 1043): The two bills comprising this act, Senate Bill 704 and House Bill 1043, were introduced in their respective chambers last week. By Saturday, May 2, they had gained unanimous support in the legislature. On May 4, Governor Cooper signed the bills into law, enacting the first round of legislative relief measures for North Carolina. Overall, the two bills allocate $1.57 billion in relief funding for the state. Key measures include:

 

Tax relief provisions secured in the package waive the accrual of interest on underpaid individual, corporate, and franchise tax due on or before July 15, 2020. They also give taxpayers additional time to meet deadlines for payment if those deadlines occurred after April 1, 2020, and before July 15, 2020.

Short-term unemployment insurance law changes secured in the package give the state more flexibility to administer unemployment compensation as outlined by federal directives. They also give unemployment claimants greater flexibility in satisfying weekly job contacts by attending reemployment activities offered by local career centers and allowing employers to initiate unemployment claims for employees so long as the unemployment results from a federally declared disaster. 

 

Educational support measures secured in the package strengthen support for schools and students facing challenges during COVID-19. These measures include funding for computer purchases, school nutrition programs, and online summer school programs for colleges in the UNC system. They also include waivers and modifications related to public school budgeting, testing, accountability, grade placement/promotion, graduation requirements, school calendars, and school improvement plans. Additionally, the package directs public school systems to develop Remote Instruction Plans for the 2020-2021 school year and submit those plans to the State Board of Education in a timely manner. 

 

Short-term transportation funding measures secured in the package allocate $300 million in federal CARES Act funding for use by NCDOT to account for falling gas tax revenues from COVID-19. However, those funds currently appear to be unusable by the state barring additional action at the federal level.  

 

Additional funding measures secured in the bill allocate $125 million to expand a low-cost loan program for small businesses run by the Golden Leaf Foundation; $150 million in immediate funding for local governments; $85 million for universities engaged in COVID-19 research; $95 million for rural and teaching hospitals; $50 million for personal protective equipment; and $25 million for expanded COVID-19 testing and contact tracing

 

 

 

Federal

The Families First Coronavirus Response Act (FFCRA) requires certain employers to provide their employees with expanded family and medical leave for specified reasons related to COVID-19. The U.S. Department of Labor’s Wage and Hour Division (WHD) administers and enforces the new law’s paid leave requirements. These provisions will apply from the effective date through December 31, 2020. More details are available here, including FAQs.

 

 

Quick Links for Business and Loan Resources:

North Carolina Rapid Recovery

COVID-19 Fill the Gap Response Fund

SBA Coronavirus Small Business Loan Page

Coronavirus (COVID-19): Small Business Guidance & Loan Resources

SCORE is offering assistance in filling out SBA loan applicationsSmall

Business Development Centers are also offering assistance

Golden Leaf NC COVID-19 Rapid Recovery Loan Program

Contracting

Small Business Debt Relief Program

 

 

Economic Injury Disaster Loans & Advance Program: SBA’s Economic Injury Disaster Loans and Advance Program has reopened its portal to all eligible small businesses and non-profits impacted by COVID-19 pandemic. The reopened portal can be found here.

Deadline for Support: Small businesses must apply by December 31, 2020.

Loan Program: The Loan Program offers long-term, low interest assistance for a small business or non-profit. State-by-State data can be found here.

Advance Program: The Advance Program will provide up to $10,000 ($1,000 per employee) of emergency economic relief to businesses that are currently experiencing temporary difficulties, and these emergency grants do not have to be repaid. State-by-State data can be found here.

 

 

 

The Paycheck Protection Program is providing small businesses with the resources they need to maintain their payroll, hire back employees who may have been laid off, and cover applicable overhead.

 

Program Overview

Top-line Overview of PPP

SBA Paycheck Protection Program Loan Report

SBA Paycheck Protection Program Loan Report Round 2 – Updated 7/6

Summary of Paycheck Protection Program Round 2 Data – Updated 6/30

SBA Paycheck Protection Program Loan Level Data – Updated 7/6

 

For Borrowers

More Information

Search Tool: Find an Eligible Lender

Lender MatchUpdated 6/19

New Borrower ApplicationUpdated 6/12

Borrower Application Form Updated 6/24

Applicable Affiliation Rules

How to Calculate Maximum Loan AmountsUpdated 6/26

Loan Forgiveness Application Form EZ InstructionsUpdated 6/16

Loan Forgiveness Application Form EZUpdated 6/16

Loan Forgiveness Application InstructionsUpdated 6/16

Loan Forgiveness Application (Spanish version) – Updated 6/16

Guidance on Refinance of EIDL Loans with PPP Loan Proceeds and Lender Remittance of EIDL Refinance Proceeds to SBAUpdated 6/22

 

For Lenders

More Information

Lender Application FormUpdated 6/24

Lender Application Form for Federally Insured Depository Institutions, Federally Insured Credit Unions, and Farm Credit System Institutions

Lender Application Form for Non-Bank and Non-Insured Depository Institution Lenders

Guidance on Whole Loans Sales of PPP Loans

SBA Procedural Guidance on Participation Sales

Guidance on PPP Lender Processing Fee Payment and 1502 Reporting Process

  • Resources available to all PPP lenders:
    • Lender Assistance Hotline: (833) 572-0502

 

Program Rules

Frequently Asked Questions – Updated 5/3

Interim Final Rule 1

Interim Final Rule on Applicable Affiliation Rules

Interim Final Rule on Additional Eligibility Criteria and Requirements for Certain Pledges of Loans

Interim Final Rule on Requirements for Promissory Notes, Authorizations, Affiliation, and Eligibility – Updated 4/24

Interim Final Rule on Additional Criterion for Seasonal Employers – Updated 4/28

Interim Final Rule on Disbursements – Updated 4/28

Interim Final Rule on Revisions to First Interim Final RuleUpdated 6/11

Interim Final Rule on Additional Revisions to First Interim Final RuleUpdated 6/12

Interim Final Rule on Revisions to the Third and Sixth Interim Final RulesUpdated 6/17

Interim Final Rule on Revisions to Loan Forgiveness Interim Final Rule and SBA Loan Review Procedures Interim Final RuleUpdated 6/22

For more information and updates, visit Treasury.gov/CARES and SBA.gov/PayCheckProtection.

 

Information for Businesses:

Interim Guidance for Businesses and Employers

Information for Communities, Schools, and Businesses

Environmental Cleaning and Disinfection Recommendations – Community Facilities

SBA: COVID-19 Resources

DOL: Guidance for Preparing Workplaces for Coronavirus

DOL: OHSA Resources for Workers and Employers on COVID-19

WHO: Get Your Workplace Ready for COVID-19

CISA: Risk Management for COVID-19

EPA: Disinfectants for Use Against COVID-19

 

Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis. 
Visit covid19relief.sba.gov or call the SBA at 18006592955 for more information. The SBA is also publishing a helpful overview of all their COVID-19 relief programs.

 

As a small business, an advance of up to $10,000 from an Economic Injury Disaster Loan can be paid to you, and this advance does not need to be repaid.
DETAILS: The loan advance can provide economic relief to businesses that are currently seeing a temporary loss of revenue. Funds can be made available within three days of a successful application.

 

If you’re waiting for a decision on a pending SBA Economic Injury Disaster Loan (EIDL) and have an urgent need for financial support, an SBA Express Bridge Loan up to $25,000 might be available.
DETAILS: If you currently have an existing business relationship with an SBA Express Lender, this pilot program allows small businesses to access funds while applying for an EIDL. This loan will be repaid in full or in part by the proceeds from the SBA.

 
North Carolina small businesses and family farms can receive a rapid recovery loan from state sources, to bridge the gap between the start of the crisis and the time when other sources of relief are available.

DETAILS: The North Carolina COVID-19 Rapid Recovery Lending program helps small businesses bridge the gap between when a crisis strikes and when federal loans, insurance payouts, and other relief funds are approved, or businesses have time to recover. NC COVID-19 Rapid Recovery loans are not designed to be a singular source of assistance for small businesses. Repayment of the loan is expected, either from more permanent funding sources that later come online or from the future cash flow from your business.

Visit ncrapidrecovery.org for more information. Applications are being processed in the order they were received. Businesses are welcome to continue with an application, and it will be reviewed as additional funding becomes available. 

 

 

EIDL Available for Agribusinesses

 

A Debt Relief Program from the SBA might be able to provide your business a reprieve, as you overcome challenges created by the COVID-19 situation.
DETAILS: The 7(a) Loan is the SBA’s largest financing program. Under this debt relief program, the SBA will pay the principal and interest of current 7(a) loans for a period of six months. The SBA will also pay the principal and interest of new 7(a) loans issued prior to September 27, 2020. SBA-approved lenders to work with in this SBA Resource Guide for North Carolina.

 

Business Tax Issues

 

As a business, your federal income tax filing due date has been automatically extended from April 15, 2020, to July 15, 2020. Taxpayers can also defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest.

DETAILS:  All federal taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax can take advantage of this date change.  The payment deferment applies regardless of the tax amount owed. These changes were announced by the U.S. Treasury Department and Internal Revenue Service on March 21, 2020. Read more at the Internal Revenue Service (IRS) website.

 

 

As a business, your state income tax filing due date has also been automatically extended from April 15, 2020, to July 15, 2020, mirroring the federal change.

 DETAILS: The North Carolina Department of Revenue (NCDOR) announced this change on March 21, 2020.  The new deadline applies to individual, corporate, and franchise taxes adnd mirror the announced deadline change from the Internal Revenue Service. In addition to the filing extension, the NCDOR will not charge penalties for those filing and paying their taxes after April 15, as long as they file and pay their tax before the updated July 15 deadline. However, the Department of Revenue cannot offer relief from interest charged to filings after April 15, which requires a change in state law.  Unless state law is changed, do be aware that tax payments received after April 15 will be charged accruing interest over the period from April 15 until the date of payment. These changes do not apply to trust taxes, such as sales and use or withholding taxes. Read more details in the press release from the N.C. Department of Revenue.

 

 

Expanded state tax relief due to the COVID-19 situation now includes no penalties for late filing or payments of many tax types, including sales and use and withholding taxes, through July 15.

DETAILS: The North Carolina Department of Revenue (NCDOR) announced this change on March 31, 2020.  Please note that NCDOR cannot waive interest payments for taxes paid after April 15, due to current state law. This interest rate is currently five percent per year, the minimum rate allowed by statute. Additionally, sales and use and withholding taxes are trust taxes and the money collected must be remitted to the state and cannot be used for other purposes.

 Read more details in this document published by the N.C. Department of Revenue. Department of Revenue agents are available to answer your questions via the telephone numbers listed on this page on their website.

 

 

Counseling and Advice

 

More information is posted regularly at this COVID-19 online help site.

 

 Receive one-on-one counseling and professional advice and programming from the experts at the Small Business & Technology Development Center (SBTDC).
DETAILS: SBTDC has supported small businesses in North Carolina for over 35 years. In the current environment, SBTDC is being flexible and innovative in its delivery of services. With physical access to most of its host campuses limited, SBTDC’s professional counselors are meeting with clients by virtual technology or phone. Existing SBTDC clients will continue to have full access to their counselor remotely. New clients seeking assistance should click here for information on connecting with a counselor.

 

 Receive advice and access webinars, on-demand content, and articles from the N.C. Community Colleges’ Small Business Center Network (SBCN).
DETAILS: SBCN can assist you with SBA disaster loan applications and other sources of funding.  Center personnel can also review your financial obligations and your status with creditors, offer strategies for scaling operations and generating revenue, and provide referrals to additional sources of assistance. In addition, a host of COVID-19 resources are available online to help your business cope with the current situation. Access helpful information online here.

 

 If your business is at risk of laying off significant numbers of workers, consider participating in a consultation and assistance program designed to help minimize job losses.

DETAILS: “Business Edge” is a program that works with ‘at risk’ firms.  Offered by the Workforce Solutions division within the N.C. Department of Commerce, in partnership with local workforce boards and other agencies, the program connects you with experts who can help assess your current needs and available options, including helping you access potential services that address your needs. To get started, send an email to DWS_BusinessServices@nccommerce.comor read more about the service elsewhere on our site.

 

 Public health guidance for businesses and restaurants is available.
DETAILS: The North Carolina Department of Health and Human Services publishes guidance for dealing with the current COVID-19 situation, including specialized advice for businesses and restaurant operators. Visit portal for more information.

 

 

 

Unemployment Insurance Information:

 

Self-employed workers and independent contractors can apply for expanded federal unemployment benefits beginning April 24, 2020.
https://des.nc.gov/news/press-releases/2020/04/23/north-carolinians-can-apply-pandemic-unemployment-assistance

 


Federal Unemployment Assistance: Updates on the expanded benefits through the CARES Act

 

Information for Individuals: Information for people filing for unemployment

 

Online Account Help for Individuals: Information about creating and accessing your online account

 

Information for Employers: Unemployment information for employers related to COVID-19

 

Online Account Help for Employers: Information about creating and accessing your online account

 

Agency Resources and Information:

 

City of Goldsboro COVID-19 Response

 

Wayne County COVID-19 Information page

 

 

 

 

 

 

Helping You Work and Learn Remotely – Businesses, universities and schools can keep their teams and classrooms connected through conference calls and video conferencing with Cisco Webex Meetings with AT&T for 90-days, and seamlessly forward calls to both mobile and landline phones.

 

 

AT&T Offers Added Relief for Customers
Free 90-day offer of Webex Meetings with AT&T
Call Forward for the first 90-days of use at no charge

 

 

Marketing Signage for your Business
Free Printable Templates For Coronavirus Signage

 

 

Business Intelligence Report | Coronavirus Special Issue

 

 

Wayne County Business Support Seminars
Each Thursday from 12:00 – 1:00 pm

 

April 23, 2020: Peter Gwaltney, President & CEO of NC Bankers Association and Patrick Rodriguez, US Small Business Administration, Raleigh Office
link to April 23rd webinar click here

Password:Wayne 2020

 

April 30th, 2020: City of Goldsboro and County of Wayne Leadership

link to April 30th webinar click here

Password: 96356276

 

 

 

 

 

Health Resources

 

UNC Health Care

Wayne County Health Department

U.S. Centers for Disease Control (CDC)

 

 

Agency Resources and Information:

 

 

 

Wayne County Chamber of Commerce Members whose businesses are offering drive-thru, takeout and delivery services.

 

If you are a Member of the Wayne County Chamber of Commerce and have updates to your listing, please contact the Chamber (919) 734-2241.