YOU MAY NOT:
According to a March 19, 2020, federal memo on the identification of essential critical infrastructure workers during the COVID-19 response, workers in the following fields are considered “essential” at this time:
There are resources available to help businesses in Michigan determine whether they fall within an designation of an essential business, including an extensive COVID-19 FAQ and a memo from the federal government on the identification of essential critical infrastructure workers during the COVID-19 response. Additional questions around definitions of “essential businesses” should be referred to your legal counsel for a definitive determination and/or directed to email@example.com or 888-535-6136.
Before re-opening, businesses are required to adopt workplace safety measures to protect the health and well-being of both their employees and their customers. These safety measures are detailed in Governor Whitmer’s Executive Order 2020-97 and include:
MEDC is working closely with the Small Business Development Center, the Executive Office and the Department of Labor and Economic Opportunity to ensure vital economic support is available to Michigan businesses to overcome anticipated loss of revenue in the short term as every effort is made to slow the spread of COVID-19. In support of those efforts, we have launched a COVID-19 resource page at michiganbusiness.org/covid19 to provide key information on various resources businesses can take advantage of immediately.
These resources include:
Governor Gretchen Whitmer announced on March 19 that the U.S. Small Business Administration (SBA) approved her request for a statewide Economic Injury Disaster Loan (EIDL) declaration, opening the opportunity to small businesses across Michigan to access $1 billion authorized by Congress for emergency low-interest loans from the SBA.
To apply for an EIDL loan visit https://disasterloan.sba.gov/ela.
Resources are also available through the Michigan Small Business Development Center to help you navigate or submit your EIDL loan application, as well as helping you determine whether it is something your business should consider. For more information, visit michiganbusiness.org/covid19.
What if I already have an Economic Injury Disaster Loan I am not able to repay right now?
On March 23, the U.S. Small Business Administration announced changes to help borrowers still paying back SBA loans from previous disasters. By making this change, deferments through December 31, 2020, will be automatic. More information is available at https://www.sba.gov/about-sba/sba-newsroom/press-releases-media-advisories/carranza-implements-automatic-deferment-existing-sba-disaster-loans-through-end-2020.
Pure Michigan Business Connect (PMBC) is offering a free, online procurement platform to assist Michigan businesses needing to purchase non-medical grade Personal Protection Equipment (PPE) items to keep their employees safe and healthy. PMBC, a program provided by Michigan Economic Development Corporation, is collecting data to help businesses source these needs and services. Visit michiganbusiness.org/ppe to access the portal and learn more about the platform.
How does the platform work?
The PMBC COVID-19 Procurement Platform provides an online B2B portal specifically designed to support the PPE needs of Michigan businesses as they begin resuming normal operations and seek to keep their employees and customers safe and healthy. In addition to businesses seeking PPE, businesses that have the capability to supply these materials can submit their information through the portal. The PMBC team then provides that supplier information to businesses in need to help fulfill their orders. Visit michiganbusiness.org/ppe to access the portal and learn more about the platform.
How can businesses be sure that the suppliers are legitimate? Is PMBC vetting them at all?
The entities identified through this platform have submitted their information and indicated that they are engaged in their respective product or service area. The PMBC team and MEDC does not endorse any entity listed in the B2B platform and makes no representations about the quality of the goods or services of each entity, or the results that may be obtained as a result of doing business with any listed entity.
Upon receiving supplier submissions through the platform, the PMBC team is checking to determine whether these entities have reputable websites, email contacts and products that would support the demand for various forms of PPE throughout the state. Businesses using this list of suppliers are encouraged to conduct their own due diligence as well, as the PMBC team and MEDC do not make any representations about the quality of the goods or services provided by each entity.
My company submitted information to be listed as a supplier through the platform, but why aren’t we included in the lists being provided?
Suppliers with incomplete submissions may be removed from the list until applications are completed or corrected to reflect product/service offerings in line with demand requested. Should you have further questions on your submission being included on the list, please reach out to firstname.lastname@example.org.
Can PMBC help businesses in search of PPE get responses from suppliers identified through the platform?
Through this platform, the PMBC team is committed to providing businesses in need of PPE a list of relevant suppliers. From there, businesses will need to manage their relationship with those suppliers independently of the PMBC team.
The PMBC team and MEDC does not endorse any entity listed in the B2B platform and makes no representations about the quality of the goods or services of each entity, or the results that may be obtained as a result of doing business with any listed entity.
Why is the platform focusing on supporting businesses now, while the pandemic is still presenting a threat to public health?
As businesses begin going through the process of resuming normal operations, PMBC understands that many employers will need to purchase PPE items in order to keep their employees safe and healthy. To that end, PMBC is expanding its existing online platform to now support businesses in need of non-medical grade PPE as they begin transitioning their employees onsite. The online portal is available for all scales of PPE demand and is open to companies of all sizes and industries. Visit michiganbusiness.org/ppe to access the portal and learn more about the platform. The PMBC portal also continues to connect health and human services providers with providers of medical grade PPE.
The $2 million micro- and small business loan support through Metro Community Development will aim to assist businesses that have been most impacted by the COVID-19 virus within the 13 counties it serves, with an emphasis on businesses located in economically disadvantaged areas. Applications and more information are now available at https://www.metrocommunitydevelopment.com/business-lending through the BizTHRIVE program link.
What types of businesses are eligible for these funds?
The program is aimed at assisting those businesses that have been most impacted by the COVID-19 virus, such as restaurants, coffee houses, retail stores, and service providers.
How can businesses use these funds?
Businesses can use these loans primarily for working capital, acquiring machinery and equipment, and inventory.
How much funding can be provided with these funds?
Businesses can receive micro and small business loans ranging from $5,000 to $250,000, with collateral being required in some form for all loans.
What counties are covered?
Metro Community Development will use the $2 million to support mirco- and small business loans for applicants in its 13-county service area, including:
In doing so, this provides statewide coverage in addition to the Northern Initiatives support, which only covered 77 counties in the state.
When can businesses apply?
Applications are now available by selecting the “BizTHRIVE” program at https://www.metrocommunitydevelopment.com/business-lending.
What criteria will be used in determining whether to approve a loan for a business?
Metro Community Development is responsible for determining whether loans will be approved or denied based on its financial review and due diligence of the applicant. Go to https://www.metrocommunitydevelopment.com/business-lending for more information.
How quickly can businesses expect to receive the loan funds once approved?
The timing for receiving these funds will be based on the number of applications Metro Community Development processes, the completeness of the application and additional necessary documentation.
The MSF Awardee Relief Initiative authorizes temporary emergency relief to businesses and community projects that have previously received grants, loans or other forms of economic assistance from the Michigan Strategic Fund. The program is available to support any MSF program awardee that is negatively financially impacted by the COVID-19 crisis and will sunset after a year. Go to https://www.michiganbusiness.org/about-medc/covid19/msf-awardee-relief-initiative to learn more.
What kind of relief does this program provide?
The program would temporarily allow measures such as extended milestone due dates for up to a year, providing up to a year of deferred payments on financing agreements with MSF, and eliminating or reducing job creation requirements with a proportional reduction of the grant award to re-size the project scope. The program does not include a direct disbursement of additional funds. Go to https://www.michiganbusiness.org/about-medc/covid19/msf-awardee-relief-initiative/ to learn more.
How can current MSF awardees apply for relief through this program?
Any current MSF awardees interested in receiving relief through this program can should reach out to their primary MEDC contact for their current MSF-supported project to learn more about how to apply.
What kind of eligibility requirements are associated with the program?
MSF awardees will need to apply for relief through this program and must meet a series of requirements in order to qualify for support through the program. These requirements include remaining current on their reporting requirements associated with their MSF agreement, and submitting additional reporting during the deferred payment period. Only those awardees that can demonstrate this ability will be considered for this support.
How quickly can MSF awardees receive relief through this program?
Current MSF awardees can begin applying for relief through this program immediately. The program will sunset in a year following approval and includes no direct disbursement of additional funds.
MEDC partnered with Michigan Women Forward to create the $1.5 million Michigan Entrepreneur Resilience Fund to provide funds to help entrepreneurs and small businesses negatively impacted by COVID-19 recover from the outbreak, as well as assist them in meeting increased demands in support of COVID-19 response efforts. Go to http://miwf.org/mwf-entrepreneur-resilience-fund to learn more and apply.
When is the deadline?
Applications will be available May 12 and accepted on a rolling basis until funds are exhausted. Applications will be prioritized according to funding need and prospect for a successful recovery.
How do I apply?
Small businesses, entrepreneurs and startups interested in applying can do so at http://miwf.org/mwf-entrepreneur-resilience-fund. Michigan Women Forward will consider applications until funds are exhausted.
What types of businesses are eligible for support?
Businesses eligible for support through this fund must meet the following criteria:
This fund is not exclusive to high-tech companies or startups, but rather will support all small businesses eligible for support based on the criteria above.
What size are awards?
Grants awarded through the fund will range from $1,000 to $5,000 per case and microloans will be available between $5,000 and $10,000 based on the indicated need. Eligible businesses may apply for both grant and microloan funds.
How will awards be prioritized?
Eligible candidates will be assessed based on demonstrated need, including, but not limited to:
Who should I contact with questions?
Please contact Michigan Women Forward by phone at (313) 962-1920 or by email at email@example.com.
A temporarily expanded version of the traditional Match on Main program, the Match on Main COVID-19 Response Program will increase access to the program for more communities. To learn more and apply, go to www.miplace.org/match-on-main.
How is this different from the traditional Match on Main program?
The Match on Main COVID-19 Response program will be opened up to all 285 engaged and certified Redevelopment Ready Communities across the state of Michigan, in addition to the Michigan Main Street communities that traditionally participate in the program.
Additionally, the program refocuses resources on recovery efforts for existing businesses, rather than helping open new businesses.
I am a business that meets the eligibility requirements and I want to apply, how do I that?
You need to connect with your local unit of government, DDA, Main Street organization or local economic development organization as grants will be made to these entities and not to businesses directly. Eligible entities that intend to apply for this program will be working on establishing their own local criteria to select businesses to include in their application to the MEDC.
Who is eligible to apply for funding through this program?
Community-based organizations such as downtown development authorities or other downtown management authorities can apply for grant funding through Match on Main to then make local grants to small businesses located within their districts that have realized a significant financial hardship as a result of the COVID-19 outbreak.
What types of businesses are eligible to be included in grant applications?
Businesses included on applications to MEDC for Match on Main grants must meet all the following criteria:
Is there a deadline for applying through the Match on Main COVID-19 Response Program?
The application window is May 13, 2020 through May 29, 2020. All applications will be due by 5 p.m. on Wednesday, May 29. Applications and more information can be found here: www.miplace.org/match-on-main.
How much support can eligible applicants receive through the program?
Eligible applicants can apply for up to $50,000 through the program and may use those funds to support businesses in their community or neighborhood commercial district. The minimum contribution that is able to be administered to any one business must be at least $2,000, with a maximum of $10,000. The applicant will determine which businesses are selected for inclusion in the application for support and at what desired grant amounts.
The BAF has now been expanded to allow SmartZone business accelerators to provide services for tech startups with technologies that can support COVID-19 response efforts and non-tech companies that can manufacture or distribute critical medical supplies and personal protection equipment. It will also allow business accelerators to use the BAF to provide services for current SmartZone clients only that are not typically covered under the program, like rent and utilities.
To read more about the BAF services available, go to https://www.michiganbusiness.org/press-releases/2020/04/state-expands-support-services-available-for-startups-entrepreneurs-in-response-to-covid-19/.
How can startups or businesses access these services?
The MEDC provides funds to the Michigan Small Business Development Center, which then administers the funds to the 19 participating business accelerators in Michigan’s statewide SmartZone network. SmartZones use these funds to provide services to startups and businesses. Go to sbdcmichigan.org/business-accelerator-fund to find the SmartZone closest to you.
How much could a startup or business receive as a grant through the BAF?
Businesses do not receive funding through the BAF program. The business accelerators in the statewide SmartZone network receive the funds and use them to provide services to businesses and startups. To learn more, find a SmartZone near you.
Can a startup or business receive services through this program if they are not currently a client of a SmartZone?
The BAF is only administered through the local SmartZone, so any business or startup interested in the program should contact their local SmartZone to learn more. Only current SmartZone clients may qualify for additional support with expenses due to COVID-19. Go to sbdcmichigan.org/business-accelerator-fund to find the SmartZone closest to you.
The MI-STEP program is designed to spur job creation by empowering Michigan small businesses to export their products. The MI-STEP program will now provide increased reimbursement caps for certain activities, in addition to an increased reimbursement ceiling from 50% to 75% for international website development for companies impacted by COVID-19. Learn more at https://www.michiganbusiness.org/services/international-trade/mistep/.
The MI-PEP program mirrors the MI-STEP program, but offers export assistance to companies that do not meet the U.S. Small Business Administration guidelines and size standards.
What kind of activities will receive increased support through the program as a result?
As a result of these updates, eligible businesses may receive reimbursements for the following activities:
Learn more about these adjustments at https://www.michiganbusiness.org/services/international-trade/mistep/.
How much support can businesses receive through the program?
Eligible businesses are provided a direct reimbursement of a specific percentage of their costs from allowable export-related activities up to $15,000 per fiscal year through the MI-STEP and MI-PEP programs. Learn more at https://www.michiganbusiness.org/services/international-trade/mistep/ and https://www.michiganbusiness.org/499c5c/globalassets/documents/international-trade-services/mi-pep-eligibility-guidelines.pdf.
APPLICATIONS FOR THE PROGRAM ARE NOW CLOSED
The MI Local Biz Program allows for a small business to utilize donation-based crowdfunding through Michigan-based Patronicity’s existing platform and to receive a 1:1 matching grant from MEDC of up to $5,000. To learn more and participate in the program, go to https://www.patronicity.com/milocalbiz.
APPLICATIONS FOR THE PROGRAM ARE NOW CLOSED.
The Michigan Small Business Relief Program offers up to $10 million in grant funding and $10 million in low-interest loans to provide emergency relief to businesses directly impacted by the COVID-19 outbreak.
Grant and loan proceeds under the Michigan Small Business Relief Program may be used for working capital to support payroll expenses, rent, mortgage payments, utility expenses, or other similar expenses that occur in the ordinary course of business.
APPLICATIONS FOR THE PROGRAM ARE NOW CLOSED.
Michigan’s small business manufacturers looking to produce critical health and human service supplies can now apply for up to $150,000 in grants through the MEDC’s PMBC COVID-19 Emergency Access and Retooling Grants Program. The grant program will provide up to $1 million in grants to Michigan’s small manufacturers that may have otherwise closed or laid off employees but can quickly and effectively retool and produce critical supplies in response to the COVID-19 outbreak.
APPLICATIONS FOR THE PROGRAM ARE NOW CLOSED.
This $2 million micro- and small business loan program is administered by Northern Initiatives to its 73-county service area with critical support from MEDC’s Capital Access program to provide greater support for small businesses impacted by the COVID-19 crisis. Go to https://www.michiganbusiness.org/services/access-capital/northern-initiatives-program/ for more information.
APPLICATIONS FOR THE PROGRAM ARE NOW CLOSED.
This $3 million fund will help stabilize early-stage tech startups in Michigan that are being impacted by the COVID-19 outbreak. The fund will be administered by ID Ventures in Detroit. To learn more and to apply, go to TSSFund.com.
APPLICATIONS FOR THE PROGRAM ARE NOW CLOSED.
The Michigan Council for Arts and Cultural Affairs (MCACA), with support from the National Endowment for the Arts through the federal CARES Act, has developed the Emergency Relief Funds Grant program to help secure jobs and keep the doors open to the hundreds of art and cultural organizations in Michigan that add value to the state’s economy and bolster the creative life of our communities. Learn more at https://www.michiganbusiness.org/industries/mcaca/mcaca-grants/.
Governor Whitmer understands that these necessary and decisive measures to combat the spread of COVID-19 will have a significant effect on our business community over the coming weeks. In an effort to mitigate those impacts, businesses that have been forced to close may be eligible to quality for the Work Share Program through the Unemployment Insurance Agency. This program permits employers to maintain operational productivity during declines in regular business activity instead of laying off workers. To learn more about the program and whether your business can apply, read the Work Share Program Fact Sheet.
The state has also created guidance for employers that are considering potential layoffs due to the COVID-19 outbreak, which you can read at https://www.michigan.gov/coronavirus/0,9753,7-406-98158-522113--,00.html.
Additionally, there are unemployment insurance resources for employers that may be closing due to Executive Order 2020-21, which is requiring non-essential businesses to temporarily suspend in-person operations.
Michigan’s unemployment insurance program provides temporary income to workers who have lost their job through no fault of their own. In response to the COVID-19 outbreak, the state has created a guide for claiming unemployment benefits to support workers during this time, including whether you will qualify, learning how to apply and what is necessary on your part in order to remain eligible for unemployment insurance over the coming weeks.
Through the Families First Coronavirus Response Act (FFCRA), certain employers are required to provide employees with paid sick leave or expanded family and medical leave for specified reasons related to COVID-19. Effective April 1, 2020, the act provides that employees of covered employers are eligible for two weeks (up to 80 hours) of paid sick leave and up to an additional 10 weeks of paid expanded family and medical leave under certain conditions. To learn more about the details of this act and whether you work for a covered employer, visit www.dol.gov/agencies/whd/pandemic/ffcra-questions.