Resources for Businesses

Below are resources that may be helpful in providing information and/or assistance to business (“for” and “non” profits) during this difficult time, including some business survival strategies.  We will add resources as we become aware of them.


DOWNLOAD:  Beverly Board of Health – Face Coverings Order Window Sign


RE-OPENING IN BEVERLY

NEW OUTDOOR DINING POLICY

If you own a restuarant and would like to create outdoor dining space or expand existing outdoor dining space please complete the application below.  Directions on completing the application are included in the application document.  There is also a seperate list of FAQ’s below:

RE-OPENING IN MASSACHUSETTS

On June 6, 2020 Governor Baker announced that Phase II, Part 1 of the re-opening plan would begin Monday, June 8, 2020.  Included in Phase II, Part 1 are

  • Childcare facilities and day camps
  • Driving and flight school
  • Funeral homes, with occupancy limits
  • Higher education classes including post-secondary, vocational tech and occupation schools may allow students complete required courses for graduation.
  • Historical spaces may reopen outdoor facilities. No guided tours allowed nor can they host functions or gatherings.
  • Hotels and other lodgings, though they may not host events, functions or meetings
  • Outdoor recreation including pools, playgrounds and driving ranges
  • Personal services, such as home cleaning, window washing, education tutoring and career coaching, with social distancing mandated
  • Restaurants, offering only outdoor dining and takeout
  • Retail, with occupancy limits
  • Sports: Professional teams may continue practices starting Monday, though no games or public admission is allowed. Youth sports and adult amateur leagues may resume as well.
  • Warehouses and distribution centers

Phase II, part 2 will begin at a still unspecified and will likely include:

  • Indoor table service at restaurants
  • Close-contact personal services, including: hair removal, hair replacement and scalp treatment, nail salons, skin care, massage therapy, makeup services, tanning salons, tattoo and piercing services and personal trainers.

On May 18, 2020 Governor Baker supplied additional information regarding the 4-phased re-opening plan for Massachusetts,  including specific details about the businesses that could re-open in Phase 1 along with guidance has to how to re-open safely.  Please click here to visit the Commonwealth of Massachusetts  website with these details.

The Commonwealth of Massachusetts Mandatory Safety Standards for Work Places

The Commonwealth of Massachusetts Sector-Specific Protocols and Best Practices that includes a preview of protocols and best practices for restaurants and lodging.

 

LIST OF WEBINARS AND CONFERENCE CALLS 

On Wednesday, June 10, from 11-12, the Northeast Massachusetts SCORE will hold a webinar “Step by Step Action for PPP Forgiveness”.  Please click here to register.

On Wednesday, June 10, the North Shore Chamber of Commerce is hosting a webinar on the re-opening for non-profitsPlease click here to learn more/ register.

On Thursday, June 11, the North Shore Chamber of Commerce is hosting a webinar on the re-opening for the real estate industryPlease click here to learn more/ register.

On Friday, June 12, at 10 AM, the Greater Beverly Chamber of Commerce will hold a webinar “Tracking Your PPP Loan for Forgiveness + Other Funding Options” with Dan Martiniello, SBA Lender Relations Specialist and Mike Wheeler, COO, North Shore Bank along with a representative from Eastern Bank TBD.  RSVP to info@greaterbeverlychamber.com

On Friday, June 12, the North Shore Chamber of Commerce is hosting a webinar on the re-opening of transportationPlease click here to learn more/ register.

Visit the Small Business Development Center’s website for informational webinars, including archived webinars such as “Business Resiliency Webinar: Keeping the Lights On”

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Paycheck Protection Program Loan Forgiveness Application provided today (May 18) by the US Small Business Administration.  Follow this link to the application and instructions.

On Monday, May 11, Governor Baker announced a Four-Phase Approach to Reopening and Published  Mandatory Workplace Safety Standards.  

CITY OF BEVERLY ESTABLISHES BUSINESS SUPPORT TASK FORCE-PLEASE CLICK HERE FOR THE MAY 28, 2020 AGENDA.    

NEW FEDERAL FUNDING

The new $484 billion stimulus package has been signed by President Trump, infusing additional funding into the SBA’s Paycheck Protection Program (PPP) as well as other programs.  Please visit the SBA’s website by clicking here for additional information.  This funding will be awarded quickly so apply soon.  Contact your local lender for more details about applying for PPP.  Click here for a list of SBA approved PPP lenders in Massachusetts!

A MORATORIUM (IN MASSACHUSETTS) ON EVICTIONS AND FORECLOSURES DURING COVID-19

Governor Baker signed a bill establishing a moratorium on non-essential evictions and residential foreclosures. This law provides temporary protections for both residential tenants and small businesses that are unable to pay rent, in an effort to stabilize homes and commercial spaces during the COVID-19 crisis. The law also prohibits proceedings on residential foreclosures during the COVID-19 crisis.

  • Eligible small businesses can use the Form of Notice – COVID-19 Hardship – Small Business Tenant and the Documentation of Financial Hardship – Small Business Tenant forms to provide the required notice to their landlord of their inability to pay rent. Access these forms and Emergency Regulations here.

*** ANNOUNCED APRIL 20,  LISC  WILL OFFER GRANTS OF UP TO $10K TO ADDRESS IMMEDIATE FINANCIAL PERIL, LIMIT LAYOFFS, AVOID GAPS IN EMPLOYEE BENEFITS OR INSURANCE, MITIGATE ECONOMIC INSTABILITY AND INCREASE THE LIKLIHOOD OF BUSINESS SURVIVIAL.  CLICK HERE FOR MORE DETAILED INFORMATIONS ABOUT ELIGIBILITY, AND APPLICATION.***  

ANNOUNCED, APRIL 20, THE US CHAMBER OF COMMERCE FOUNDATION LAUNCHES SAVE SMALL BUSINESS GRANT FUND.  PLEASE VISIT THEIR WEBSITE BY CLICKING HERE FOR MORE INFORMATION ABOUT ELIGIBILITY, AMOUNT AVAILABLE AND APPLICATION.

NEW RESOURCE:  FREE ASSISTANCE FOR NON-PROFITS AND SMALL BUSINESSES THROUGH THE NEWLY FORMED COVID RELIEF COALITION.  It is a coalition of law firms, non-profits and governmental agencies in Massachusetts offering help to access emergency loans and other sources of relief.  Click here to be brought to their website.

On April 6, 2020 Governor Charlie Baker annnounced the launch of a new corporate- and foundation-backed fund that will support health care workers, the homeless and others in Massachusetts that have been especially affected by the coronavirus pandemic.  The fund, called the Massachusetts COVID-19 Relief Fund, is already stocked with more than $13 million, attracting  contributions from One8 Foundation, The Boston Foundation and many more. It is also open to donations from the general public.  Eastern Bank is administering the fund at no cost and contributed some of its own money.   The fund will partner with existing community foundations and local nonprofits to disperse the money quickly where it’s needed most.  The new fund is being spearheaded in part by Massachusetts First Lady Lauren Baker, who said “sky’s the limit” for expected fundraising totals.

On April 3, 2020, Governor Charlie Baker signed a bill authorizing on-premises licensees tosell malt beverages and wine for off-premises consumption for the duration of the Governor’s declared state of emergency, issued March 10, 2020.  Click here for additional information.

*** Click here for an updated list of ESSENTIAL SERVICES as revised by Governor Baker on March 31, 2020.  Originally, on March 23, Governor Baker issued an emergency order ordering nonessential businesses and organizations to close their physical workspaces and facilities to customers, workers and the public. You may submit a  request to have your business deemed essential  at  MA Executive Office of Housing and Economic Development.  

If you would like to view all orders, guidance and updates that the Governor has issued related to COVID-19 please click here

FOR BUSINESSES

US Small Business Administration
Created in 1953, the U.S. Small Business Administration (SBA) continues to help small business owners and entrepreneurs pursue the American dream. The SBA is the only cabinet-level federal agency fully dedicated to small business and provides counseling, capital, and contracting expertise as the nation’s only go-to resource and voice for small businesses.

United States Treasury

  • The roll-out of the new PAYCHECK PROTECTION PROGRAM(PPP) has generated a lot of questions.  The US Treasury has established a page devoted to the program with easily readible documents explaining the program  and how to apply including a list of FAQ’s.  Click here to reach their website.

Massachusetts Executive Office of Housing and Economic Development
The Executive Office of Housing and Economic Development prioritizes economic opportunity for residents, collaborative leadership in communities, and an environment that supports job creation and business growth.

Massachusetts Department of Revenue

Other Resources

  • Assistance with Application to PPP-including multilingual translation-Today [April 23], Massachusetts Growth Capital Corporation (MGCC) in partnership with Massachusetts Association of Community Development Corporation (MACDC) announced support for all Massachusetts small businesses owners, including those with limited English proficiency, by providing multilingual translation and application assistance for the Small Business Administration’s (SBA) Paycheck Protection Program (PPP). These services will provide an opportunity for small business owners in Massachusetts impacted by COVID-19 who would otherwise be unable to tap into the SBA’s economic relief resources. All small businesses in Massachusetts are strongly encouraged to apply to PPP through their local, participating bank.
  • On April 10 the ECCF (Essex County Community Foundation)  announced its second round of grants  from the Essex County COVID-19 Response Fund.  The funds were awarded to partnerships and organizations serving people experiencing homelessness in Essex County.   Click here for more information about who received the funding.
  • ATTENTION ARTISTS:  CODA WORX has improved its website to faciliate the matching of artists with prosepctive clients.  Both artists and their ptoenianl clients should  visit the website for more information by clicking here.
  • ATTENTION ARTISTS:  The Artist Relief Fund has been formed by a coalition of national arts grantmakers who have come together to offer financial and informational resources to artists across the United States.  Click here to apply or donate.
  • The Consumer Financial Protection Bureau, a federal entity, provides people with information and resources to protect and manage their finances, covering issues such as mortgage relief, student debt, and protecting your credit.  Visit their web page focusing on COVID-19 by clicking here for more information.
  • ATTENTION ARTISTS:  The Creative County Initiative, through ECCF, is compiling a list of resources to assist artists impacted by COVID-19.  By clicking here visit their website for additional information.
  • ATTENTION ARTISTS:  Creative Capitol has developed a list of resources for artsis in response to COVID-19 impacts.  Click here to reach their website.
  • Governor Baker/ Lt. Governor Polito Disaster Declaration paves way for assistance to small businesses statewide from the US Small Business Administration.
  • National Grid is temporarily suspending collections-related activities, including service disconnections, to lessen any financial hardship the COVID-19 pandemic may have on their customers. These policies are effective immediately and will be in place through the end of April. They will evaluate their continued need at that time. Please note that regular billing will continue for all customers.
  •  US Department of Labor has issued some guidance (not requirements) regarding preparing your workplace for COVID-19.  Click here for the document.
  • The US Travel Assocaition highlights components of the CARES Act that impact their industry.  Click here for their overview.

FOR NOT-FOR-PROFIT ORGANIZATIONS

  • On April 10 the ECCF (Essex County Community Foundation)  announced its second round of grants  from the Essex County COVID-19 Response Fund.  The funds were awarded to partnerships and organizations serving people experiencing homelessness in Essex County.   Click here for more information about who received the funding.
  • The SBA says, yes, faith-based organizations are eligible to participate in Paycheck Protection Program and Economic Injury Disaster Loan Programs.  Click here for more information.  
  • The Center for Disaster Philanthropy has created the COVID-19 Response Fund which will focus on supporting nonprofit organizations working directly to respond to the pandemic among the most vulnerable populations in order to help build their capacity for response. Please click here to visit their website.

BUSINESS SURVIVAL STRATEGIES

FOR EMPLOYEES

 Pandemic Emergency Unemployment Compensation (PEUC) by applying for PUA.