Latest in Covid-19 Relief Funding:
 
 
 
 
 
 
 
 
 
 
 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The latest news 6-17-20, regarding Economic Injury Disaster Loans (EIDL): The SBA has resumed processing EIDL applications that were submitted before and new applications are being accepted for all small businesses. First-come, first-served basis.  Easiest to call your bank and work through them.

The FSA also has a program that the direct support idea covers.  Please visit with  your FSA office regarding this. 

As reported by the USDA, the program will provide: 

  1. Direct Support to Farmers and Ranchers: The FSA program will provide $16 billion in direct support based on actual losses for agricultural producers where prices and market supply chains have been impacted and will assist producers with additional adjustment and marketing costs resulting from lost demand and short-term oversupply for the 2020 marketing year caused by COVID-19.  FSA is a different program that has the 16 billion funded through USDA, so go through the FSA office. 

  2. PPP will fund Farmers and Ranchers if you don't have a net 0 on Schedule F.  The EIDL is not based on Schedule F, and is now including farmers, and is part of the 60 billion more dollars added into the small business program.  SBA Economic Injury Disaster Loan (EIDL) is based on 12 months prior to disaster declared January 31, 2020 including Sales less Cost of Goods Sold x 50% = Potential eligible loan amount.  Use the Streamlined Portal below, and work through your bank. 

  3. USDA Purchase and Distribution: USDA will partner with regional and local distributors, whose workforce has been significantly impacted by the closure of many restaurants, hotels, and other food service entities, to purchase $3 billion in fresh produce, dairy, and meat. https://www.ams.usda.gov/selling-food-to-usda/usda-food-box-distribution-program      https://www.usa.gov/become-government-contractor

Caution:  PPP Loans will be audited for need or necessity, size eligibility, amount requested and use.  Funds inappropriately requested and received will result in strong fines.  Return of funds by the "Safe Harbor" period of May 7 will be accepted back without penalty.  Any loan from any program may be examined for fraud. 


How to get your PPP Loan Forgiveness if you are a Business of One:  https://www.inc.com/video/how-to-get-your-ppp-loan-forgiven-if-youre-a-business-of-one.html?utm_source=incthismorning

 

If you have no recourse as a business but to close, please call Ellen Barber at 785-207-7598. 

 
There are 2 main "loans" with forgiveness provisions out.  I'll cover the SBA 7(a) here, and the EIDL under #2. Farmers and churches are eligible as well if affected by the situation. Any 501
c, d or e may apply.    Also remember the expanded unemployment program may work well or even better for your business if you need to "furlough" your employees. See middle of page with PDF button.
 
The new Stimulus Bill allows for SBA 7 (a) Emergency Loan (with Forgiveness Provisions) to be used for Business Relief for profit and non-profits.  It contains the Paycheck Protection Program.  According to Congressman Scalise, your local bank will be the lender you will go through.  A clear article on the contents is found here: https://www.inc.com/brit-morse/sba-loans-coronavirus-stimulus-package-cares-act.html              
 
​For Questions from Business side, see here:
https://www.uschamber.com/sites/default/files/023595_comm_corona_virus_smallbiz_loan_final_revised.pdf
For FAQ's on the Paycheck Protection Plan (PPP), see this link:  https://www.rubio.senate.gov/public/_cache/files/ac3081f6-14ae-4e6f-9197-172ede28badd/71AB6CB05A08E369E0D488A80B3874A5.faqs---paycheck-protection-program-faqs-for-small-businesses.pdf

  • Tuesday, June 30th, 2020 PPP application deadline

 

 

You must include an attachment with this info if you don't want your application to end up in a wait pile.

Stuck in PPP Loan Limbo?  https://www.inc.com/video/stuck-in-loan-limbo-heres-what-to-know.html?utm_source=incthismorning

Find Paycheck Protection Program (PPP) Application here as well: https://home.treasury.gov/policy-issues/cares/assistance-for-small-businesses  Give to your approved local lender by JUNE 30, 2020. 
 
Want a Chart to figure out the differences between the PPP and the EIDL?  See https://docs.google.com/spreadsheets/d/12xv4xcsg_9xoVeEE_Y1j2sicNbCvl2GAVinSowU2zgg/htmlview?urp=gmail_link
New Childcare financial help for "Heroes" eligibility found here: http://ksherorelief.com/ (child care providers for essential workers, food workers, frontline child and adult caregivers, etc. included...)
Unemployment is still open - See bottom of page.  They just want you to apply by the letter of your last name due to overuse of the site. 

People with last names starting with A through M are asked to file Sunday, Tuesday and Thursday. Individuals with N-Z last names are asked to file Monday, Wednesday or Friday. Anyone who misses their day can file Saturday instead.


https://www.kansascity.com/news/politics-government/article242061226.html

Direct to Citizen Economic Impact PaymentsSee https://www.irs.gov/newsroom/economic-impact-payments-what-you-need-to-know

SPARK Round I Funding - The Economic Development online application grant is now full and not very likely to be further funded until further notice. 

 

PPP Forgiveness Questions - https://www.sba.gov/sites/default/files/2020-08/PPP%20--%20Loan%20Forgiveness%20FAQs%20(August%2011%2C%202020).pdf

 

 
The Community Development Block Grant (CDBG) -CV grant has been awarded to 3 areas in Marshall County.  The county at large at $132,000, which is open for application again now since more money is available.  This grant for the county will close Sept 24, 2020. Marysville and Blue Rapids may have different deadlines.
 
Marysville and Blue Rapids city grant applicants may use application tools available here as well.  They were awarded $171,000 and $132,000 respectively. Please turn your application and employee forms into your city clerk when filled out.  All other forms go to the county clerk or MCP4G contact provided. 
​​The documents the businesses need to use to verify their need are available on this page and the application tab. Hover on the Covid-19 Business Helps Tab above to access the actual Application, and the page will show as a subpage BUT please read below first to make sure you can apply.
Eligibility is as follows:   New Guidance - YOU CAN have received EIDL funds or PPP payroll funding and still apply, just be sure you do not seek a duplication of benefits.  In other word, if you got PPP, just don't request payroll expenses (unless they are in a different timeline).  If you had capital expenses given you with EIDL, you would not be able to request those activities again unless they are in a different timeline.  But you can also request inventory expenses with the CV Grant. 
(Cannot be a farming business as there are funds from USDA farmers can qualify for (including EIDL funds.)
Must be 50 or fewer employees, but businesses with several sites can be more total employees if a specific site of the business asking has less than 50 working there.  It doesn't make any difference where the headquarters are.
 
Sole proprietors are eligible if they meet the LMI guidelines.  If they have one employee, they have to qualify as LMI.
Employers - Do you or 51% of your employees possibly fall below the 80% cut-off for Marshall County? 
Check the PDF icon or the Excel. 
Find the number of people in the household in the top line, and go down to the highlighted income.  If your income is the same or less than that number, you would qualify. 
 
It's a good idea to look at one's taxes for gross income/and or monthly paychecks. 
 
Key:  The Eligibility Limits can include the income present from this  year, back one year ago, with the months affected by Covid-19.
TO APPLY   Click Box.   May not show well in a cell phone. 

 

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​​Marshall County 0% Revolving Loan Fund - County Commissioners voted 6/1/2020 to give $25,000 for up to $5,000 loans.  Loan fund is 40k through an Evergy Grant.   See Tab at the top of the page.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

According to Roger Marshall's office, the SBA is re-opening the EIDL program to ALL small businesses and non-profits, effective immediately. The EIDL program is administered by the SBA and the application can be found at https://covid19relief.sba.gov/#/  The program provides up to $10,000 in (forgiveable) immediate advance funding and then up to $150,000 in low-interest funding to be used for business-related expenses. The program will remain open until funding is gone.  New clarification: If you receive EIDL funds, you MAY APPLY for the new CDGB-CV grant, just not for the same activities or the same timeline to be covered.

​​https://www.congress.gov/116/bills/hr7010/BILLS-116hr7010eh.pdf

The PPP also remains open to all eligible small businesses and non-profits impacted by COVID-19, with additional flexibilities for the use of the funding and forgiveness. However, the deadline for applications to the PPP is June 30. Funding remains available but applications will no longer be accepted after this month.

 

If you received PPP funds for payroll, you may still apply for CDBG-CV funds if you don't request payroll funds.

 

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FAQ's on Reopening for KS from the state office - See https://www.coronavirus.kdheks.gov/DocumentCenter/View/1071/Reopening-FAQ-5220

 

 
Read the latest Executive Orders Here: https://governor.kansas.gov/newsroom/executive-orders/
Governor Grants for all non-profits - see https://grants.ks.gov/docs/default-source/default-document-library/cesf-solicitation.pdf?sfvrsn=7bf85d1a_2
Utility Assistance - https://covid.ks.gov/wp-content/uploads/2020/04/NR_LIEAP-Application-Extended.pdf
Livestock and Poultry Mini-Grant - https://foodanimalconcernstrust.org/minigrants
FAQ's
Eligibility Income Limits
for Employers and Employees - If you qualify, go to Application Tab.
Guidelines
Easy open PDF or    Excel
USDA Additional Direct Assistance to Farmers and Ranchers Impacted by the Coronavirus see
https://www.usda.gov/media/press-releases/2020/09/18/usda-provide-additional-direct-assistance-farmers-and-ranchers
SPARK Round II Funding, going through the county and through MCP4G to administer, should be ready in a couple of weeks, around Sept. 25.  If you would like to be included in applying for this county economic development money restricted to grants for businesses AND nonprofits to reimburse business closures between March 1 - July 31, please contact Ellen (see bottom of page.)   The county has allotted $100,000 for this fund.   How can you prepare? 
 
Must be a brick & mortar business in Marshall County started before Jan. 1, 2020, and current on your taxes.  Must have a revenue loss due to covid-19 issues between March 1 and Aug. 31. 

      1.  Watch for announcement that the official application is loaded here.  Tell Ellen below so she can contact you about  it.

      2. Start collecting proof of what you need reimbursement on.  Collect your largest bills (utility, rent, mortgage, inventory, repairs due to covid, cleaning supplies, equipment, etc.) and your receipt of payment.  Cancelled checks and company statements will work.   Make an Excel or Invoice of the items requesting for payment with the matching proof. 

      3.  Check your dates.  3/1 - 8/31 2020 time frame will count.

      4.  If loss is cancellations, show cancellation emails or refunds.  Show in Excel what you lost during that time, and what you have recovered since, and what your actual loss is to date. 

      5.  Be ready to explain how you are preparing for mitigation should there be another closure, and what your business plan is to use the award money.  

      6.  You will need Schedule C from your 2019 taxes to show your 2019 gross revenue and your cost of goods.  Taxes are another way to show quarterly losses if needed.

       7.  Be able to show and list what covid help and the dates you have already received through local, state or federal funding.  

 

Note: You cannot duplicate funding Example:  If you already received PPP, you cannot request it for the same date or timeline.

You cannot be reimbursed for taxes, be in arrears of taxes, or request money for construction.  You cannot be going out of business or be near or in bankruptcy.  All applications must meet the deadlines that are given for the return of items. 

                                    A LINK Will be Provided HERE once the state approves the Application.  We are still waiting...(Sept. 21)...will keep you posted.

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If you filled this out already, it can roll over into the 7 (a) one with forgiveness. But you have to do this new online portal as well to get the new 10k advance.
  • A $10,000 advance is now available to help the business meet its immediate needs due to HARDSHIP.  If eligible, the $10,000 advance/grant will be provided in 3 days.
  • Keep in mind that this new web portal does NOT allow you to save your
   work, so you will need to finish it OR lose it and start over.
  • The only way to get the $10,000 advance is through the web portal. If you request the advance, you will NOT lose your place in line for the loan application portion of SBA EIDL.
  • You can apply for the EIDL loan AND the 7(a) but they cannot cover the same expenses. Keep ALL records!
This program was helpful during the Recession when employees had to be laid off.
Unemployment Provisions
What to Do if Your Employees don't want to Return to Work?  https://www.inc.com/video/what-to-do-if-employees-dont-want-to-return-to-work.html?utm_source=incthismorning
Will you lose your loan forgiveness if your employees refuse to come back to work?  See https://home.treasury.gov/system/files/136/Paycheck-Protection-Program-Frequently-Asked-Questions.pdf   Question 40, p. 13.  

Paid Leave Under the Families First Coronavirus Response Act

The U.S. Department of Labor announced how American workers and employers can benefit from the protections and relief offered by the Emergency Paid Sick Leave Act and Emergency Family and Medical Leave Expansion Act, both part of the Families First Coronavirus Response Act (FFCRA).

 

The program will help the country combat the workplace impacts of the coronavirus by reimbursing employers with fewer than 500 employees with tax credits. FFCRA will ensure that workers are not forced to choose between their paychecks and the public health measures needed to combat the virus, while at the same time reimbursing businesses.

 

FFCRA will be administered by the Department of Labor’s Wage and Hour Division.

FFCRA https://www.dol.gov/agencies/whd/ffcra is a temporary measure and will be effective from April 1, 2020, through December 31, 2020.

This is a poster that can be hung at work sites with under 500 Employees.  It clearly spells out the rules for Employers and Employees regarding work leave.
The U.S. Department of Labor (DOL) has published guidelines for the Families First Corona Response Act (Emergency Paid Sick Leave and Emergency Family and Medical Leave).
Unemployment Provisions are laid out well by Marshall Roger's Office. See link above with the FFCRA link.
Business TAX Provisions - Some good stuff here.   Roger Marshall.
Documentation for Restaurants and Liquor Stores on ABC's  Curbside Regulations. 
One of the best resources I've found, in case you still need something, is here.  Covers business and manufacturing and individual concerns.  Skip the Q&A due to some outdated info, but see all the buttons available!   https://greatplainstmc.org/covid-19-resource-guide-1  
This website has all the services the government is providing through each branch for Covid concerns.
https://www.usa.gov/coronavirus
Latest KS Covid site:  https://covid.ks.gov/  If you are an employer and want free listing (along with our jobsite), you can put any job up on the KansasWorks page that is for people looking due to Covid-19. 
Many Marshall County businesses are learning the hard way that it is crucial for survival to have an online presence.  Here is some free training on how to do that.  http://srdc.msstate.edu/ecommerce/curricula/beginners_guide/
Are you in the Ag Business or Farming, Ranching?  Please see the Grants Plus page.  There is a lot of great info there!
You may reach Executive Director, Ellen Barber at 785-2087-7598 or email her at choosemarshallcountyks@gmail.com.