How You can Help
Disaster Loan & Funding Assistance
New York Forward Loan Fund (NYFLF)
The New York Forward Loan Fund (NYFLF) is a new economic recovery loan program aimed at supporting New York State small businesses, nonprofits and small landlords as they reopen after the COVID-19 outbreak and NYS on PAUSE. The NYFLF targets the state’s small businesses with 20 or fewer full-time equivalent (FTE) employees (90% of all businesses), nonprofits and small landlords that have seen a loss of rental income. The NYFLF is specifically timed to support businesses and organizations as they proceed to reopen and have upfront expenses to comply with guidelines (e.g., inventory, marketing, refitting for new social distancing guidelines) under the New York Forward Plan.
Economic Injury Disaster Advance Loan and New Eligiblity
In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories were able to apply for an Economic Injury Disaster Loan advance of up to $10,000. This advance is designed to provide economic relief to businesses that are currently experiencing a temporary loss of revenue. This loan advance will not have to be repaid.
SBA has resumed processing EIDL applications that were submitted before the portal stopped accepting new applications on April 15 and will be processing these applications on a first-come, first-served basis. SBA will begin accepting new Economic Injury Disaster Loan (EIDL) and EIDL Advance applications on a limited basis only to provide relief to U.S. agricultural businesses.
The new eligibility is made possible as a result of the latest round of funds appropriated by Congress in response to the COVID-19 pandemic.
- Agricultural businesses includes those businesses engaged in the production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)).
- SBA is encouraging all eligible agricultural businesses with 500 or fewer employees wishing to apply to begin preparing their business financial information needed for their application.
At this time, only agricultural business applications will be accepted due to limitations in funding availability and the unprecedented submission of applications already received. Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis. For agricultural businesses that submitted an EIDL application through the streamlined application portal prior to the legislative change, SBA will process these applications without the need for re-applying.
Eligible agricultural businesses may apply for the Loan Advance here.
- The U.S. Small Business Administration is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Upon a request received from a state’s or territory’s Governor, SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration.
- Any such Economic Injury Disaster Loan assistance declaration issued by the SBA makes loans available statewide to small businesses and private, non-profit organizations to help alleviate economic injury caused by the Coronavirus (COVID-19).
- SBA’s Office of Disaster Assistance will coordinate with the state’s or territory’s Governor to submit the request for Economic Injury Disaster Loan assistance.
- Once a declaration is made, the information on the application process for Economic Injury Disaster Loan assistance will be made available to affected small businesses within the state.
- These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%.
- SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.
- SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.
- Emergency EIDL Grant
- A borrower applying for EIDL can request an advance on the loan of up to $10,000 from the Small Business Administration (SBA).
- SBA must distribute the Emergency EIDL within 3 days of the request.
- The up to $10,000 advance will be considered an Emergency EIDL grant.
- The borrower will not be required to pay back the Emergency EIDL Grant even if they are subsequently denied for an EIDL loan.
- In advance of disbursing the advance payment, the SBA will require that the borrower file a certification, under penalty of perjury, that they are eligible to apply for a EIDL loan.
For additional information, please visit the SBA disaster assistance website at www.sba.gov/funding-programs/disaster-assistance.
Paycheck Protection Program (PPP)
The SBA will resume accepting Paycheck Protection Program applications from participating lenders on Monday, April 27, 2020 at 10:30am EDT.
The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. More information on Loan Forgiveness.
You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program. And here is the list of Frequently Asked Questions.
Español - Coronavirus (COVID-19)
Coronavirus (COVID-19): Orientación y recursos de préstamos para pequeñas empresas https://www.sba.gov/page/coronavirus-covid-19-orientacion-y-recursos-de-prestamos-para-pequenas-empresas
The Coronavirus Aid, Relief and Economic Security Act Bill Summary
On March 27th, 2020, Congress passed The Coronavirus Aid, Relief and Economic Security (CARES) Act to give $2 trillion in aid and relief to individuals and businesses affected by the economic fallout of the coronavirus pandemic. Senator Gillibrand's bill summary.
Loans Available for Nonprofits in the CARES Act
The Coronavirus Aid, Relief, and Economic Security (CARES) Act has a number of programs that charitable nonprofits will be eligible to apply for. The chart provides information on those loan options, eligibility criteria, terms, and application information. Here is a chart provided by Nonprofit Westchester.
Mastercard Small businesses COVID-19 resources
At no additional cost, Mastercard Small Business Credit or Debit cardholders are eligible for this special Microsoft offer: qualified cardholders who are first-time Microsoft 365 Business Premium or Microsoft 365 Business Standard customers can receive the first four months of a one-year subscription (for up to 5 authorized users) to either Microsoft service at no cost.
Verizon Small Business Recovery Fund
Applications for the 1st round of grants must be completed by April 4th, 11:59 PM ET. We will continue to accept applications for the 2nd round. Small businesses across the country are confronting extreme economic challenges as a result of the COVID-19 pandemic. Financial support at this critical time can make the difference between staying in business or closing permanently, leading to lost income, jobs and economic stability.
Thanks to a $2.5 million investment from Verizon, we are offering grants to help small businesses fill urgent financial gaps until they can resume normal operations or until other more permanent financing becomes available.
What it can be used for?
Paying rent and utilities
Paying outstanding debt to vendors
Other immediate operational costs
Hello Alice Small Business Grant
$200,000 in grants will be awarded to Business for All applicants, as a critical step towards tackling entrepreneurs’ single greatest barrier to growth: access to capital. Grantees will be selected by an esteemed council of leaders from across the business ecosystem, representing diverse organizations, industries, locations and demographics.
New York State Updates
NY Forward - Reopening New York State
New York State will allow non-essential businesses to reopen on a regional and industry-specific basis, as each region meets the criteria necessary to protect public health. The State's plan focuses on getting New Yorkers back to work—without triggering renewed spread of the COVID-19 virus or overwhelming local hospital systems.
New York State remains on PAUSE through May 15, after which Phase One of the reopening plan launches. This page will be updated regularly with additional resources and information as more regions meet the reopening criteria and as the state progresses to future phases of the New York Forward plan.
Governor Cuomo's Announcements
May 13, 2020
Nonessential businesses will stay closed through May 15th.
All K-12 schools and college facilities statewide will remain closed and continue to provide distance learning, meal delivery and childcare services for the remainder of the school year.
Governor Cuomo issued executive orders 202.17 and 202.18 requiring all people in New York to wear masks or face coverings in public, including when taking public or private transportation or riding in for-hire vehicles.
The Finger Lakes, Southern Tier and Mohawk Valley Regions have met all seven metrics required to begin phase one of the state's regional phased reopening plan when NYS on PAUSE orders expire on May 15th.
Certain low-risk business and recreational activities will be ready to reopen statewide on May 15th, including landscaping and gardening businesses; and recreational activities such as tennis and drive-in movie theaters.
Hospitals statewide have been directed to prioritize COVID-19 testing for children displaying symptoms similar to an atypical Kawasaki disease and toxic shock-like syndrome.
Members of New York's Congressional Delegation will propose the 'Americans First Law' to help prevent corporate bailouts following the COVID-19 pandemic.
Governor Cuomo issues Executive Order mandating all nursing home staff be tested for COVID-19 twice per week.
Governor Cuomo issued a joint statement with NGA Chair, Maryland Governor Hogan, renewing the bipartisan call from the National Governors Association for unrestricted fiscal support for states in the next federal COVID-19 relief bill.
New Yorkers without health insurance can apply through NY State of Health through June 15, 2020; must apply within 60 days of losing coverage.
A new contest asks New Yorkers to create and share a video explaining why wearing a mask in public is important. Interested applicants can go to wearamask.ny.gov.
Health care workers can text NYFRONTLINE to 741-741 to access 24/7 emotional support services.
New Yorkers can call the COVID-19 Emotional Support Hotline at 1-844-863-9314 for mental health counseling.
Testing is free for all eligible New Yorkers as ordered by a health care provider.
Your local health department is your community contact for COVID-19 concerns.
New York State Economic Development esd.ny.gov/esd-covid-19-related-resources.
Empire State Development has now posted guidance intended to assist businesses in determining whether they are an essential business and steps to request such designation. Please click on this link to view the guidance. https://esd.ny.gov/guidance-executive-order-2026 If your business falls clearly into one of the categories listed in the guidance, no further action is needed at this time. If your business does not fall within the categories, you must complete this form and submit it to email@example.com.
State Liquor Authority COVID-19 Guidance on Restrictions, To-Go & Delivery, and Q & A
New York State Department of Labor https://www.labor.ny.gov/home/. New York Department of Labor's Shared Work Program allows employees on a reduced schedule to collect unemployment for days not worked helping to offset reduced incomes. NY is apparently moving much more quickly than other states and the program is a great way to help reduce expenses while retaining employees. For more info visit https://www.labor.ny.gov/ui/employerinfo/shared-work-program.shtm Here is Information on Paid Sick Leave for COVID-19 Impacted New Yorkers. Another resource for frequently asked questions https://paidfamilyleave.ny.gov/new-york-paid-family-leave-covid-19-faqs
New York State Department of Taxation and Finance Sales tax payments and returns were due 3/20/20; however, penalty and interest may be waived for quarterly and annual filers who were unable to file or pay on time due to COVID-19. See Tax Department response to novel coronavirus (COVID-19) to view guidance and stay up to date.
COVID-19 Resources for Nonprofits and Community-Based Organizations
New York State Health Foundation: A list of national, State, and local resources for our grantees and other partners that may help their organizations and the New Yorkers they serve during these difficult times. NYSHealth will continue to add more resources and initiatives as they are made available. https://nyshealthfoundation.org/resource/covid-19-resources-for-grantees/
Westchester County Government
Westchester County Coronavirus (COVID-19) Information
The Child Care Council of Westchester is Here to Help You Find Child Care. The Council is reaching out to the child care and after school community to see who is open and has openings to provide care during this time of need. Their staff is there to help. Please call 914-761-3456 x 140. Kindly leave a message and they will return your call. Please check the Child Care Council Facebook page for child care updates and other important info regarding COVIV-19. Resources that parents might find useful while at home with their children will also be posted.