COVID-19 Resources for the Business and Nonprofit Community
The Town of Arlington is committed to supporting you during this difficult period of closures and restrictions to stem the spread of COVID-19 infections in our region. Ongoing updates are being posted on the Town's website regarding our comprehensive response to COVID-19.
Please contact Ali Carter, Economic Development Coordinator, at firstname.lastname@example.org, if you have any questions or need assistance navigating these resources.
Arlington Business Information
Governor Charlie Baker has issued an emergency order requiring all businesses and organizations that do not provide “COVID-19 Essential Services” to close their physical workplaces and facilities to workers, customers and the public. These businesses are encouraged to continue operations remotely. Governor Baker's order has been extended until May 4.
Please review the March 23, 2020 Essential Services And Revised Gatherings Order, list of essential services, and FAQ about essential services. If your business is not on the list of essential services, you can request that designation through the Massachusetts Executive Office of Housing and Economic Development.
The Town is maintaining a list of open businesses in Arlington. The listings will be updated at least once daily. Please contact businesses directly before placing and order or going to their establishment to confirm that they are open, as the information on this list is subject to change.
CARES Act Information
The programs and initiatives in the Coronavirus Aid, Relief, and Economic Security (CARES) Act that was just passed by Congress are intended to assist business owners. When implemented, there will be many new resources available for small businesses, as well as certain nonprofits and other employers.
Small Business Owner's Guide to the CARES Act
U.S. Small Business Association Guidance and Loan Resources
U.S. Chamber of Commerce Coronavirus Emergency Loans Guide and Checklist for Small Businesses and Nonprofits
The CARES Act makes substantial funding available to support small businesses impacted by the coronavirus through the Small Business Administration, both through new programs and adjustments to existing programs:
The Paycheck Protection Program (PPP) is a loan program designed to provide a direct incentive for small businesses to keep workers on the payroll. Loans are up to $10M, with a 0.5% interest rate and a 2-year maturity; there are no payments for the first six months.
- Who can apply? Businesses, non-profits, Veterans organizations, Tribal concerns, sole proprietorships, self-employed individuals, and independent contractors, with 500 or fewer employees.When can I apply? The Paycheck Protection Program will be available beginning on Friday, April 3rd. Applications must be submitted by June 30, 2020.
- How do I apply? You can apply for the Paycheck Protection Program through any existing SBA 7(a) lender or through any participating federally insured depository institution, federally insured credit union, or Farm Credit institution. Ask your local lender if it is participating in the program.
- What else should I know? The 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. The program will be available retroactive from February 15, 2020, so employers can rehire their recently laid-off employees through June 30, 2020.
- Read more about the Paycheck Protection Program.
The Economic Injury Disaster Loan Advance is a Loan Advance of $10,000 that is available to applicants who have been approved for an Economic Injury Disaster Loan; it does not need to be repaid, so you can think of the Advance as a grant for business expenses.
- Who can apply? If you have applied or intend to apply to the Economic Injury Disaster Loan program, you can also apply for a Loan Advance.
- When can I apply? The Loan Advance is available now.How do I apply? Visit the SBA’s website to submit an application for the Economic Disaster Injury Loan and Loan Advance.
- What else should I know? Please note that you should submit an application at the above link, even if you’ve previously submitted an EIDL application prior to the Loan Advance being available.
- Read more about the Economic Injury Disaster Loan Advance.
The SBA is also offering Debt Relief to small businesses. Under this relief, the SBA will pay the principal and interest for six months beginning March 27, 2020 for qualifying new and current holders of 7(a) loans.
- Who can apply? Businesses who already have a covered 7(a) SBA loan or receive a 7(a) SBA loan prior to September 27, 2020.
- When can I apply? This relief is applied for covered loans beginning with payments due after March 27, 2020.
- How do I apply? Reach out to your SBA lender to discuss how this debt relief applies to your SBA loan.
- What else should I know? This debt relief is available only to 7(a) loans and not to loans made under the Paycheck Protection Program, 504 loans, or microloans.
- Read more about SBA Debt Relief.
- Economic Injury Disaster Loans are available through the SBA website; apply via the SBA website. EIDL loans can be up to $2M, with interest rates of 3.75%, and are for businesses whose revenues were adversely impacted by the coronavirus outbreak.
- The Express Bridge Loan Program is available to businesses that have an existing business relationship with an SBA-approved lender; speak to your lender about accessing this option while you await a decision on long-term financing.
Small Business Tax Relief Measures - Late-file and Late-pay Penalties Waived
The Baker-Polito Administration recently announced administrative tax relief measures for small local businesses which have been impacted by the ongoing COVID-19 outbreak, especially in the restaurant and hospitality sectors. This tax relief includes postponing the collection of regular sales tax, meals tax, and room occupancy taxes that would be due in March, April and May so that they will instead be due on June 20.
The Department of Revenue announced that it will waive any late-file or late-pay penalties for returns and payment due for meals and room occupancy taxes between March 20 and May 31, 2020.
Businesses that paid less than $150,000 in regular sales plus meals taxes in the year ending February 29, 2020 will be eligible for relief for sales and meals taxes, and business that paid less than $150,000 in room occupancy taxes in the year ending February 29, 2020 will be eligible for relief with respect to room occupancy taxes.
The MA Department of Unemployment Assistance has resources for employees.
- To file for unemployment benefits online, click here.
- For assistance by phone, call (617) 626-6338, daily 6 a.m.–10 p.m. Voice relay 711 via their website.
- The Boston Globe published this helpful article on applying for unemployment in MA due to the health crisis.
- The MA Department of Unemployment Assistance gives daily presentations online and by phone detailing the process of filing for unemployment step by step.
- Información de desempleo de Massachusetts sobre el virus COVID-19 en Español esta aqui.
The WorkShare program, a tool to help employers avoid layoffs during a downturn.
The Rapid Response program, which works closely with companies to avert layoffs and keep a skilled workforce engaged in the existing regional economy or industry.
Other Guidance and Resources for Businesses
CDC Interim Guidance for Businesses and Employers
Commonwealth of Massachusetts Guidance
Executive Office of Labor and Workforce Development Guidance
National Main Street Center Resources
Mainvest Main Street Initiative
US Department of Commerce Coronavirus Special Topic Conference Call Series
Facebook for Business COVID-19 Resource Hub
Eversource COVID-19 Resources