For local information, see our State-by-State COVID-19 Small-Business Resources.
Restaurant-specific information is available on our Restaurant Resources page.
If you are considering closing your business for any amount of time, please give our team a call at
Reported highlights for small businesses of the stimulus package passed March 27 include:
- Emergency grants of up to $10,000.
- Short-term forgiveness on new loans of up to $10 million.
- Six-month hiatus on existing SBA loans.
- Payroll tax credit.
Small Business Administration
- Coronavirus (COVID-19): Small Business Guidance and Loan Resources: Information on the Paycheck Protection Program, loans and loan advances, debt relief, and more.
- Paycheck Protection Program (loans to cover payroll): Authorizes up to $349 billion toward job retention and certain other expenses for Americans employed by small businesses. (Applications open April 3.)
- Economic Injury Disaster Loans and Loan Advance: Small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000.
- COVID-19 Economic Injury Disaster Loan application.
- Employee Retention Credit Available for Many Businesses Financially Affected by COVID-19.
- Coronavirus Tax Relief page.
- Small Business and Self-Employed Tax Center.
Help for employees
Highlights of the Stimulus Package
Details subject to change.
$1,200 Stimulus Check
People earning $75,000 or less in adjusted gross income (as of 2018) will get a direct payment of:
- Individuals: $1,200 (Income up to $75,000).
- Married: $2,400 (Income up to $150,000).
- Individual Head of Household: $1,200 (Income up to $112,500).
- An additional $500 per child.
Payments will scale down and phase out entirely at $99,000 ($198,000 for married) about 5 percent per $1,000 over till 0.
First half of payment is potentially slated to go out in the mail April 6, and second half May 18.
Taxpayers that authorized payment of previous tax refunds via ACH (on or after Jan 1st 2018 or in the event the individual did not file in that year 2019 would be used) will have payments delivered to the bank account on file (SEC. 6428. 2020 3-(B)).
Unemployment benefits increase by $600
Unemployment benefits are based on state rules and how much money you earned while working, with a weekly cap on how much unemployment you can get for a state defined number of weeks. The stimulus bill adds an additional 13 weeks to what the maximums are for each state and $600 on top of the qualified benefit.
Below are the current maximums per state per week:
- Idaho: $405, 26 weeks
- Washington $790, 26 weeks
- California $450, 26 weeks
- Hawaii $630, 26 weeks
- Oregon $590, 26 weeks
- Nevada $427, 26 weeks
- Missouri $320, 20 weeks
- Texas $521, 26 weeks
- Oklahoma $505, 26 weeks
- Florida $275, 12 weeks
- Michigan $362 (w/dependents), 20 weeks
Employees can qualify for unemployment benefits if they are laid off or fired (without misconduct).
- Partial benefits may be available if hours are greatly reduced or employees are furloughed due to quarantine.
- Employees who volunteer for unpaid leave may not qualify.
- You are not likely to get coverage for “quitting.”
- Coverage is for four months and potentially should cover a bulk of people’s incomes.
State, city information
Chamber of Commerce
How Consumers Can Help
Alternative Payment Options
A number of firms are lowering costs and/or waiving hosting fees. Be sure to ask.
Online-ordering and delivery services
- Gloria Food
- Clover online-ordering apps:
- Joe Coffee
- Uber Eats
Point-of-sale and integration services
Gravity Payments services
- National Restaurant Association COVID-19 page
- Eater: A List of Relief Funds for Coronavirus-Affected Restaurants, Bars, and Food Service Workers
- CNBC: Grubhub is suspending commission fees for independent restaurants
General News Sites
- The Atlantic
- Dallas Morning News
- Globe and Mail
- Miami Herald (and other McClatchy-owned properties)
- NY Times
- Seattle Times
- Talking Points Memo
- Toronto Star