Funding & Resources for Small Business During COVID-19 Crisis

Disaster Assistance

CWE is committed to serving  small businesses throughout New England. During this unprecedented crisis we will adapt as necessary to deliver classes, consulting and support virtually and through webinars.  

We have compiled a list of COVID-19 funding opportunities and resources that may be available to you and your business. Please explore your options carefully.  Please consider the following before deciding to pursue a loan:

  • Figure out cash flow.  Take a look at where you are now and where you were last year at this time.
  • What to look for:  Take a look at your Profit & Loss Statement (P&L) from March through August from last year.  What did your revenue and expenses look like then?  How much different are they now?
  • Now what?  You have got options and you can make informed decisions.
    • Option:  If you stay open, how much would it cost you?  Run some projections.  You can apply the percentage your revenue has decreased since the COVID crisis to your projected sales.  That is what you might expect.  Does that cover what you need it to while continuing to deliver value to your customers?
    • Option:  If you close, how long can you remain closed before you need to generate cash to meet your expenses?
    • Option:  Getting creative, what can you do to that expense part of your P&L?  Have you asked your bank for interest-only repayments on any debt you have for now?  Have you asked your landlord to negotiate more lenient payment options?  What can you do about your employees?

The U.S. Chamber of Commerce has created a few help guides.

  • Guide to help small businesses and self-employed individuals prepare to file for a loan.  This guide provides questions you may be asking - and what you need to know.  Click here to view the guide.  
  • Independent Contractor's Guide to Cares Act Relief provides information about each of the programs for independent contractors or those that are self-employed and do not have any employees.  Click here to view the guide.

You do not have to do any of this alone.  CWE is there to help with business counselors available to help you throughout this process and beyond.  If you need guidance please do not hesitate to reach out to your local Center for Assistance.

 

Safeguard Your Information 

Times like these bring out the best and unfortunately the worst in some people.  Fear and confusion create an ideal climate for scammers.  Be on the alert for fraud, email phishing, and bogus requests for personal information.
 
Tips for Catching and Reporting Suspicious Emails 
  • Inspect emails for grammatical or other errors, even those claiming to be from the CDC or WHO.
  • At no time will you ever receive a call from the IRS, Banks, asking you for your login credentials.
  • Before clicking links, hover over them to see the URL (web address).  If you think it is something of interest, copy the web address and search it to make sure it is legitimate before clicking.
  • If you suspect an email is fraudulent, DO NOT REPLY TO THE EMAIL.  Contact the company or person they are impersonating.  Delete it from your inbox.

Nationwide
 

Coronavirus Aid, Relief, and Economic Security (CARES) Act - U.S. Senate Committee on Small Business & Entrepreneurship  

May 4, 2020 Update:  Congress has appropriated additional funds for the EIDL and PPP loans.  
 
EIDL:  New applications for EIDL are NOT being accepted, as they are using the new funds to serve previously received applications on a first come, first serve basis.  Currently we do not know if or when a new applications will be accepted.
 
PPP: NEW applications are being accepted for the PPP loan - applicants may use the same lender link and process as the last time to apply for PPP.

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 with whatever needs they have right now. When implemented, there will be many new resources available for small businesses, as well as certain nonprofits and other employers. This guide provides information about the major programs and initiatives that will soon be available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of SBA.  To keep up to date on when these programs become available, please stay in contact with your local Small Business Administration (SBA) District Office:

Struggling to get started?  The following questions might help point you in the right direction.  Do you need:

  • Capital to cover the cost of retaining employees?  Then the Paycheck Protect Program might be right for you. Program is for businesses with 500 employees or less, including 501c(3) nonprofits, the self0employed, startups, and coopeeratives.  This loan has a forgiveness component and requires keeping employees on the payroll. he SBA will not be process additional loan applications until additional funding is allocated.
  • A quick infusion of a smaller amount of cash to cover you right now?  You might want to look into an Emergency Economic Injury Grant.
  • To ease your fears about keeping up with payments on your current or potential SBA loan? The Small Business Debt Relief Program could help.
  • Express Bridge Loan.  This pilot program allows SBA Express Lenders authority to deliver expedited SBA-guaranteed financing up to $25,000 on an emergency basis for disaster-related purposes to eligible small businesses.
  • Just some quality, free counseling to help you navigate this uncertain economic time?  The resource partners might be your best bet. These include CWE Centers.  Please click on the link below to schedule a meeting or find contact information for CWE Centers.:

The U.S. Senate Committee on Small business & Entrepreneurship has created a useful guide to the CARES ActClick here to view the guide.

Click here for a snapshot guide for people who lost current or upcoming full- or part-time work

U.S. Small Business Administration (SBA) Disaster Assistance in Response to the Coronavirus The SBA will not be able to issue new loan approvals once the programs experience a lapse in funding.

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.  In order to qualify business must prove that the trouble is related to COVID-19 ( i.e. not related to pre-existing sales issues); prove repayment ability and credit; ineligible agriculture, religious organizations, gambling, charities).

Contract (1099) workers may qualify as sole proprietors for the SBA Economic Injury Disaster Loans.  For details and application please see the links below.  If you have registered with your state to file as a S corporation, LLP or as an LLC, you should have an EIN associated with the office/studio/home that you registered, and can apply like any other business.

To submit an application go the website, https://disasterloan.sba.gov/ela/, clicking on "Apply Online" where you will see the forms you need to download listed.  These forms are fillable PDFS.  Once completed the forms will need to be uploaded into the Box immediately beneath the list of forms.  This is a cloud based approach, there is no online portal at this time.

You may also submit the forms by printing them and send them to the address provided on page 1 of SBA Form 5 in Fort Worth, TX.  There is no ability to email an application at this time.

SBA Disaster Assistance Loan Fact Sheet

SBA Disaster Assistance Loan Information - Webinar Slides

Click here to view qualifications and areas eligible for the disaster loans.

The Paycheck Protect Program (PPP) - U.S. Small Business Administration (SBA)  The SBA will not be process additional loan applications until additional funding is allocated.

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.  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.
 
You can apply through an 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.  Click here to find eligible lenders in your zip code.
 
Lenders may begin processing loan applications as soon as April 3, 2020.  The Paycheck Protection Program will be available through June 30, 2020.  Click here for more information about the Paycheck Protection Program.
 

The Red Backpack Fund – SPANX

Since its inception, Spanx and The Spanx by Sara Blakely Foundation have been dedicated to elevating and supporting women through entrepreneurship. Knowing the ripple effect that empowering women can have to strengthen neighborhoods, cities and countries, The Spanx by Sara Blakely Foundation donated $5 million to support female entrepreneurs in the wake of COVID-19 and teamed up with GlobalGiving to establish the Red Backpack Fund. GlobalGiving will be overseeing the fund, making 1,000 grants of $5,000 each to female entrepreneurs in the U.S. to help alleviate the immediate needs and support the long-term recovery of those impacted by this crisis.

Applications will be accepted beginning April 6 at 12pm ET. Sign up here to be notified when the application is live. Check back then to learn about the criteria and apply for $5,000 to support your business. You can also learn more by visiting our FAQs on the Red Backpack Fund here. We also invite recipients to pay it forward if and when they are able, to join our mission in supporting female entrepreneurs.

Save Small Business Fund - U.S. Chamber of Commerce

The Save Small Business Fund is a grantmaking initiative offering short-term relief for small employers in the United States and its territories. Funded by corporate and philanthropic partners, the Save Small Business Fund is a collective effort to provide $5,000 grants to as many small employers as the U.S. Chamber of Commerce can.  To qualify you must:
 
  • Employ between 3 and 20 people
  • Be located in an economically vulnerable community
  • Have been harmed financially by the COVID-19 pandemic
 
Applications will be taken starting on April 20, 2020.  To sign up for a reminder or to find out more information please click here.

Loan - Kiva

Kiva lenders provide financial assistance to all by making 0% interest loans to entrepreneurs in the U.S. In today's difficult circumstances, K9iva would like to make it as easy and impactful as possible for small businesses in the U.S. to have access to affordable capital on the Kiva platform - capital that may be the difference between shutting down and keeping their doors open.  

  • 0% interest
  • Up to $15,000 loan
  • Grace period of up to 6 months

Kiva.org/borrow

Grants Available from IFund Women

IFundWomen has a wide variety of grants available to their members, from their monthly "pay-it-forward" grant to those from generous partners like Barbara Corcoran, & Systane, Visa, Adidas, Unilever, and more.  Click here for a list of grants.

COVID-19 Business Resource Center - Hello Alice

Updated daily, with real-world funding, resources, and support for small business owners adapting to the impacts of the coronavirus.  Hello Alice is offering $10,000 grants being distributed immediately to small business owners impacted by coronavirus, as part of their broader mission to ensure Business for All.  In addition to funding, grant recipients will receive ongoing support from the Hello Alice community.  Click here for resource and more information.

Supporting Small Businesses and Nonprofit Partners - JPMorgan Chase & Co.

JPMorgan Chase Institute research shows that 50 percent of small businesses have less than 15 cash buffer days, meaning the small business economy could be majorly disrupted by the current climate. The firm will promptly deploy $8 million, including $5 million in the U.S. and $3 million in international markets to support vulnerable and underserved small businesses in the following ways:

  • Entrepreneurs of Color Fund and Ascend in places such as Seattle, California and New York. Support will include working with local Community Development Financial Institutions that will provide low or zero interest loans and interest rate buydowns to help offset the costs of business slow-downs and unexpected challenges, as well as technical assistance support for issues like remote working capabilities;
  • Supporting vulnerable, underserved and underrepresented entrepreneurs and small businesses across Europe and China to navigate and access available and emerging financial and non-financial support.

The firm will also provide $2 million to existing nonprofit partners who are facing new challenges supporting vulnerable populations in response to COVID-19. The funds will go towards helping these partners maintain operational capacity as they adjust their programming and provide resources to support their remote working capabilities, resiliency planning, fundraising and communications.  Click here for more information

Verizon Small Business Recover Fund - Verizon and LISC

A trailblazing investment of $2.5 million from Verizon is making it possible for LISC to begin offering critical relief and resiliency-building support to small businesses facing immediate financial threat because of the COVID-19 pandemic.  The funding will go to make grants of up to $10,000, especially to entrepreneurs of color, women-owned businesses and other enterprises in historically under-served places who do not have access to flexible, affordable capital.  Verizon will highlight and bolster these efforts through their inaugural “Pay It Forward Live” online concert series.  For more information please click here.  Sign up for updates about the Verizon Small Business Recovery Fund, click here.

Coronavirus Tax Relief – Internal Revenue Service

The IRS has established a special section focused on steps to help taxpayers, businesses and others affected by the coronavirus. The page will be updated as new information is available. The information contained on this site includes: 

  • Dollar for dollar reimbursement for Coronavirus related sick leave costs
  • Employers will be able to use cash deposited with the IRS to pay sick leave wages
  • Businesses that would not have sufficient taxes to draw from, Treasury will use its regulatory authority to make advance to small businesses to cover such costs

For more information please click here.

Disaster Unemployment Assistance – U.S. Department of Labor

The Robert T. Stafford Disaster Relief and Emergency Assistance Act of 1974, as amended, authorizes the President to provide benefit assistance to individuals unemployed as a direct result of a major disaster. The U.S. Department of Labor oversees the DUA program and coordinates with the Federal Emergency Management Agency (FEMA), to provide the funds to the state UI agencies for payment of DUA benefits and payment of state administration costs under agreements with the Secretary of Labor.Read more.

Work Share Programs - National Conference of State Legislatures

Workshare programs let businesses temporarily reduce the hours of their employees, instead of laying them off during economic downturns.  Technically referred to as short time compensation, the goal of worksharing programs is to reduce unemployment.

Worksharing should not be confused with job sharing, which allows two part-time employees to share one full-time job. Instead, worksharing allows a full-time worker's hours to be reduced, in lieu of laying off the worker.

Workshare programs benefit businesses, workers and states. Businesses retain their trained workforce, for easy recall to full-time work when economic conditions improve. Workers keep their jobs instead of being laid off, and collect reduced unemployment benefits to partially replace their lost wages. States save money by paying only partial unemployment claims, instead of paying full benefits to laid-off workers.

Under approved workshare programs, employees qualify for a percentage of unemployment benefits, equal to the percentage by which their hours have been reduced. For example, an employee whose hours are cut by 10 percent would qualify for 10 percent of the state’s established weekly unemployment benefit amount. While that does not fully replace the lost wages, the amount supplements a worker’s income until they are recalled to full-time work. Click here for more information or the specific State below.

Massachusetts 

New Hampshire

Rhode Island

Vermont

Coronavirus - Interim Guidance for Businesses and Employers - Center for Disease Controls (CDC)

The interim guidance is based on what is currently know about the coronovirus diesease 2019 (COVID-19).  The Centers for Disease control and Prevention (CDC) idates the interim guidance as needed and as additional information becomes available.  Click here for information

East Coast

COVID-19 Relief Program - Accion Serving the East Coast

Accion has launched its COVID-19 Relief Program with the aim of helping over 2,000 small business owners withstand and recover from the COVID-19 pandemic, preserving critical jobs and livelihoods.  the COVID-19 Relief program offers to clients of Accion:  loan deferment or loan restructures to 1,500 eligible clients; one-on-one support to small business owners to access publicly sourced disaster relif funds at the city, state and federal level in each of Accion's core markets; and the COVID-19 Relief Loan to 500 small business owners who are not a fit for the public relief programs.  To learn more please click here.

Technology

Microsoft Free Offerings

Microsoft is providing six months of Office 365 tools for free to enable remote collaboration, file sharing and video conferencing.  They're also offering free assistance to set up these tools.  Click the following links for more information about these free services:

Women-Owned Businesses

Covid-19 Resources for Women-Owned Businesses - WBENC

As a leading advocate for women business owners and entrepreneurs, WBENC is committed to helping our constituents address and respond to the impacts caused by the coronavirus (COVID-19). As we work with national and regional partners, Corporate and Government Members, and other industry leaders, we will continue to update this page with resources, information, webinars and more to address the many questions and uncertainties many business owners and corporations face, as well as to continue to help fuel business opportunities for women entrepreneurs. Click here for more information

Resources from WBENC-Certified WBEs

Certified Diverse Businesses
 

The Supplier Diversity Small & Diverse Business Scholarship Program

The Supplier Diversity Small & Diverse Business Scholarship Program has been established by Bank of America, N.A. and is funded through the generosity of Bank of America's vendors.  The program provides targeted training and development support to qualified certified diverse business owners or to an employee that holds a key position in the diverse business owner's company and has been designated on the application by the diverse business owner. Scholarship recipients will be given the opportunity to continue their education and enhance the business operations functions within their companies by attending executive business management programs.  Click here for more information.

Veterans - New England

Coronavirus (COVID-19) Resources - New England Veterans Chamber of Commerce (NEVCC)

If you are a veteran or military business owner in new England, please let the NEVCC know if you need assistance.  Click here for a list of resources and information.

Code of Support PATRIOTlink - US Department of Veterans Affairs

Code of Support’s PATRIOTlink® platform is a free online resource database that includes thousands of programs tailored to the military and Veteran community.

Through PATRIOTlink, users can search vetted, direct, cost-free services specific to their needs. PATRIOTlink was recently redesigned to make it even easier to use. Now, users can complete searches by entering less information and they can view events and job opportunities in their area through a news feed feature.  Click here for more information.

Specific Industries

Emergency Initiative for Artists – Artist Relief

To support artists during the COVID-19 crisis, a coalition of national arts grantmakers have come together to create an emergency initiative to offer financial and informational resources to artists across the United States.

Artist Relief will distribute $5,000 grants to artists facing dire financial emergencies due to COVID-19; serve as an ongoing informational resource; and co-launch the COVID-19 Impact Survey for Artists and Creative Workers, designed by Americans for the Arts, to better identify and address the needs of artists.

To be eligible for a relief grant, applicants must be:

  • Practicing artists able to demonstrate a sustained commitment to their work, careers, and a public audience;
  • Experiencing dire financial emergencies due to the COVID-19 pandemic;
  • 21 years of age or older;
  • Able to receive taxable income in the U.S. (e.g. citizen, green card holder, and/or permanent resident who can provide a W9 and SSN or ITIN);
  • Residing and working in the U.S. for the last two years;
  • Not a full-time employee, board member, director, officer, or immediate family member of any of the coalition partners;
  • Not previously awarded a relief grant from this fund.

Please note that the Artist Relief coalition partners will make final eligibility determinations as needed. Learn more by reviewing the FAQPlease click here to apply

Resources

COVID-19 Suppliers - Women's Business Enterprise National Council (WBENC)

WBENC has thousands of Women's Business Enterprises (WBE), and among them, hundreds that have COVID-related supplies and services.  In the face of this pandemic, WBENC want to help support the procurement needs of the greater business community and to fuel business opportunities for women entrepreneurs.  This list will be shared as part of their COVID-29 resources through the end of May.  Please click here to view the list.

State & Region

Please click on the tab below to view the funding and resources available in your State.

Massachusetts

U.S. Small Business Administration (SBA) Disaster Assistance in Response to the Coronavirus

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. Click here to view qualifications and areas eligible for the disaster loans.

Pandemic Unemployment Assistance - State of Massachusetts

Pandemic Unemployment Assistance (PUA) provides up to 39 weeks of unemployment benefits to individuals wo are unable to work because of COVID-19 related reason but are not eligible for regular or extended unemployment benefits. This includes: self-employed, independent contractors, workers with limited work history, and others. Note:  You should apply for Pandemic Unemployment Assistance retroactive to your first week of total or partial unemployment.  Most regular UI claims are processed within 21-28 days after filing, and many are processed within the first week of filing.  Click here for more information and to apply.

Massachusetts COVID-19 Relief Fund - First Lady Lauren Baker and the One8 Foundation

First Lady Lauren Baker and the One8 Foundation are teaming up with philanthropists, business leaders, Eastern Bank, The Boston Foundation, and the Foundation for Business Equity to launch the Massachusetts COVID-19 Relief Fund to support those across the state most impacted by this health crisis. The Fund will work in concert with regional non-profit leaders, community foundations, leaders on the ground and at the state level to understand the response and relief landscape locally and statewide to strategically fill in where gaps are pronounced. The mission is to ensure essential needs are understood in real time and provide resources for interventions that are effective and impactful.

Who the Fund will Support

  • Frontline healthcare professionals, first responders, and other essential worker assistance
  • Households disproportionately affected by the impact of COVID-19
  • Immigrant and undocumented populations
  • Food insecurity
  • People with disabilities
  • Homeless populations

Fund Criteria

  • Demonstrated ability to act quickly to support non-profit organizations serving vulnerable residents, healthcare workers, first responders, and other essential service providers
  • Well informed with collaborative public/ private partnerships to advise who to fund in their local communities
  • Local partners and grantees have the ability to sustain services over the coming months
  • Ability to monitor progress to inform needs
  • Grantees must provide data on how exactly the funds are used
  • Non-profit partners must be fully vetted to receive funding
  • Leadership of the Fund will make grant decisions

Small Business Relief Partnership Grant Program - Massachusetts Attorney General's Office

The Massachusetts Office of the Attorney General (AGO) has committed $500,000 to assisting municipalities and regional planning agencies with the provision of financial relief to local small businesses most impacted by closures, policies, or general loss of revenue due to COVID-19. Municipalities and regional planning agencies will be awarded funds up to $50,000 per request to create or supplement a grant program targeting local small businesses that have been impacted by COVID-19.

Grant funds may be used by small businesses to help address fixed debt, payroll, accounts payable, lost sales, lost opportunities, and other working capital expenses that could have been recognized had the COVID-19 pandemic not occurred. Industries include but are not limited to: food service and production; restaurants; bed and breakfasts; housecleaners; launder mat or dry-cleaners; car repair/garage; barber shops/beauty salons; health care and social assistance; and small retail shops.

Eligibility; Massachusetts municipal governments and Massachusetts Regional Planning Agencies are invited to apply.

Funding Grant awards will be issued in varying amounts up to $500,000. Individual requests may not exceed $50,000. The AGO expects that the entirety of the funds received by the applicant will be earmarked to help small businesses. Further, no portion of the awarded funds may be used to defray any administrative or operational costs associated with delivering these funds. All funding decisions will be at the discretion of the AGO. Please click here to refer to the full RFP for more information.

Small Business Recovery Grant Program for Massachusetts - Local Initiatives Support Corporation (LISC) Applications Deadline is Friday, April 24 at noon.

Local Initiatives Support Corporation (LISC) and Citizens are pleased to announce the LISC Small Business Recovery Grant Program which will provide grants to hard-hit small businesses in Massachusetts to weather the immediate financial impact of closures and social distancing measures required to slow the spread of the coronavirus.

LISC will offer grants of up to $10,000 to address immediate financial peril, limit layoffs, avoid gaps in employee benefits or insurance, mitigate economic instability and increase the likelihood of business survival. Launched with seed funding provided by Citizens, the Small Business Recovery Grant Program is part of the LISC Rapid Relief & Resiliency Fund for Massachusetts. The Fund also aims to provide critical technical assistance and longer-term funding to help vulnerable businesses and community-serving nonprofits weather the effects of the pandemic.

Applications will be accepted online from Monday, April 20 to Friday, April 24, and will be available in English, Spanish and several other languages through LISC Boston’s website.  To focus the grants where they will have the greatest impact, LISC will be inviting business support organizations, small business accelerators, and community networks across the state to encourage the at-risk small businesses in their communities to apply. Click here to sign up for updates.

Covid-19 Loan Fund – Massachusetts Growth Capital Corporation (MGCC) Currently not accepting applications

A loan fund of $10 million has been created to provide financial relief to Massachusetts businesses that have been affected by COVID-19. Massachusetts Growth Capital Corporation (MGCC) will receive and process all applications for this fund. Open to Massachusetts-based businesses impacted by the COVID-19 with under 50 full- and part-time employees, including nonprofits.  Read More 

Empowerment Grant for Small Businesses - State of Massachusetts Treasure's Office of Economic Empowerment  Applications will be open until May 29.

The Empowerment Grant Program aims to support the well-being and continuity of small businesses by providing access to capital and empowerment through engaging in OEE resources.  This Grant serves as funding opportunity to support the needs of Massachusetts small businesses amid the COVID-19 outbreak in the spring of 2020.  Grants will be focused on small business owners serving Massachusetts Gateway Cities. 
Applicants can request up to $2,500 for needs related to continuing operation during and/or after the COVID-19 outbreak.  Eligible applicants must be:
  • In operation for at least one year
  • Registered in a Massachusetts Gateway City
  • Considered a "small business"

Click here to Apply and for more information.

Crisis Relief Loans - Capital Good Fund

In response to the current times with COVID-19, Good Fund has developed the Crisis Relief Loan to help those financially impacted.  This loan ranges from $300-$1,500, and had a fifteen-month term with a special 90-day deferment payment period and 5% APR; there is also expedited loan application review.  The Crisis Relief loan can be used for (but is not limited to) paying utilities, covering medical bills, paying rent, and purchasing groceries, and will be available to resident of RI, FL, MA, DE and IL.  To view the Eligibility Check please click here. For more information please click here.

Low – Interest Loans – Berkshire Bank

Berkshire Bank is actively engaging with partners like the Massachusetts LGBTQ Chamber and the Black Economic Council in MA, among others, to provide funding assistance to small businesses that are most impacted by the financial implications of the pandemic.  This funding will provide a unique selection of low-interest rate solutions underwritten by our community partners.  Berkshire Bank will be setting aside $3 million in available capital to support this effort. Small Business Grants – Berkshire Bank Foundation.  For more information click here.

Small Business Grants - Berkshire Bank and Berkshire Bank Foundation

Berkshire Bank has earmarked an incremental $500,000 for small business grants to help businesses that do not have the ability to pay.  They are working with Berkshire Bank Foundation and the Foundation for Business Equity, among others, to deploy these dollars across their banking footprint and to sharing more details about these programs in the short term. Berkshire Bank also understand there will be situations where our customers find themselves or their businesses facing financial difficulties that are unique to them.  In those scenarios where hardship is not relieved by low-interest loans or small business grants, Berkshire Bank is asking their customers to reach out to them to further discuss how they may be of assistance. For more information click here.

MA Regional & Specific Industry

Boston Financial Relief - Handbook for Small Business Owners - City of Boston

In response to the quantity and scope of small businesses impacted by the COVID-19 pandemic, the Mayor’s Office of Economic Development has assembled the following resource guide to support business owners in navigating the many capital programs at the local, state, federal, and private level.

As many programs are still evolving, this handbook will be updated regularly in weeks ahead. However, interested parties should refer to the website of any named organization / program for the latest details.

This handbook contains examples of capital programs available, it does not contain an exhaustive list of such programs. If you know of or operate a funding source that does not appear in this  handbook and would like to be included, please email austin.williams@boston.gov.

Please note that the City of Boston will not be a party to and shall not be held liable for any agreement or contract that may result from the use of this handbook.  Click here for the Handbook

Boston Resiliency Fund - City of Boston

The City of Boston has established the Small Business Financial Relief Fund to help businesses most impacted by COVID-19 in the City of Boston.  they will begin accepting applications on Monday, April 6 at
Noon. Due to the expected high demand, the number of grants will be limited. Before applying be sure to gather the following information necessary to complete the application:
  • Proof of a Boston business address (as indicated by a signed lease or home office documentation)
  • A copy of the business' most recent fiscal year tax return
  • Proof of payroll (required for businesses with more than two (2) employees)
For the purpose of this fund, a "small business" will be defined as a for-profit entity with:
  1. fewer than 35 employees
  2. less than $1,500,000 in annual revenue, and
  3. registered with, in good standing with, and operating in, the City of Boston (excluding chain or corporate franchises).
Grants may be used to help address fixed debts, payroll, accounts payable, lost sales, lost opportunities, and other working capital expenses that could have been recognized had the COVID-19 pandemic not occurred.  For more information please click here.

Small Business Grants Program - Facebook

Facebook is offering $100M in cash grants and ad credits to help during the COVID-10 crisis.  Up to 30,000 eligible small businesses in ore than 30 countries where Facebook operates will be able to receive the grant.  To be eligible to apply, you must:
 
  • Have between 2 and 50 employees
  • Have been in business for over a year
  • Have experienced challenges from COVID-19
  • Be in or near a location where Facebook operates  (Boston, MA)
For more information please click here.

Black Business Relief Program, The Futures Fund - Black Economic Council of Massachusetts (BECMA) and the Massachusetts LGBT Chamber of Commerce

The Black Economic Council of Massachusetts (BECMA) enhances the economic well being of Black businesses, organizations that serve the Black community, and Black residents of the Commonwealth by advocating for economically progressive policies, convening stakeholders in solutions-based dialogues, and connecting its members to important opportunities and one another. 

COVID-19 presents an unprecedented threat to the survival of small businesses in Massachusetts, the impact of which is compounded for Black-owned businesses that continue to experience longstanding and historic racial discrimination. The survival of these businesses is key to the longterm economic health of the Commonwealth. Over 1,200 Black-owned firms employ 13,000 Massachusetts residents. The COVID-19 pandemic threatens the stability of these businesses and thus throws the Black community into financial disarray.

To offer relief for small businesses that are already feeling significant pressure due to the COVID-19 pandemic, BECMA, in partnership with the Massachusetts LGBT Chamber of Commerce and powered by Berkshire Bank, is announcing The Futures Fund to help stabilize existing Black-owned businesses across the Commonwealth. This resource can be used in conjunction with SBA products.

Fund Details

  1. Line of credit for up to $50,000
  2. No payments for 3 months with the option for a 3-month extension
  3. 3% interest

Eligibility Details*

  1. 600 credit score
  2. Annual revenue of $500k/year
  3. 1 year of past financials
  4. 1 year of projected financials
  5. Tax and credit history
  6. A sound plan for getting through the COVID-19 crisis
  7. Business assets (no personal assets)
  8. Ability to explain your profitability
  9. Sound meeting with your referral partner

*We encourage thos who may not meet all eligibility requirements to reach out regardless.  We will work with you to access other resources to stabilize your business.

Additional Resources

In addition to monetary support, recipients will be partnered with technical assistance providers and Berkshire Bank staff (MY Bankers) who will offer their services to help advise and consult these businesses. With sufficient support structures in place, this temporary standstill affords hard-working business owners the unique opportunity to dedicate time to further develop their business. By offering business owners access to comprehensive professional support services, they can emerge from the COVID-19 crisis stronger than ever and ready to represent themselves effectively in the marketplace.Click here for more information.

If your business meets the criteria listed above, please reach out to to info@BECMA.org discuss next steps.

Interest-Free Loan Program - Combined Jewish Philanthropies (CJP)

In collaboration with the Hebrew Free Loan Programs at Jewish Family & Children’s Service and Jewish Family Service of Metrowest, the CJP Interest-Free Loan Program is helping with: small business cost; job training; lifecycle ceremonies (i.e. bar and bat mitzvahs, weddings, or funerals); new baby, fertility, and adoption; care of older adults or people with disabilities and more. For more information please click here.

Fast Track Loan Program - Common Capital

Common Capital and Franklin County CDC (www.fccdc.org; 413-774-7204) are working together to support small businesses in western Massachusetts during this unprecendented time

Common Capital offers a Fast Track Loan Program to address the needs of local businesses that need quick access to capital. This is an alternative to high interest rate credit cards and deceptively-priced and expensive on-line lenders. Loan proceeds may be used for most legitimate business purposes, including purchasing inventory or equipment, and for working capital.

 The Fast Track Program offers a loan decision in two to three business days for loan requests up to $50,000, with funding typically within a week after approval. It is a credit score-based program for businesses in operation at least one year. If approved, you will be eligible for no-cost business assistance from Common Capital staff and consultants. Please click here for more information

Flexible Financing for Small Business - Franklin County CDC (FCCDC)

The FCCDC finances both start-up and existing small businesses for a wide range of purposes.  They lend between $5,000 and $200,000 to both existing and start-up businesses.  The FCCDC partners with the following loan funds and lending programs:  

  • The Four Town Trust Fund provides loans for businesses in Greenfield, Montague, Shelburne and Buckland.
  • The PVGrows Investment Fund provides financing and business assistance to farm and food businesses.  For more information click here.
  • The Ten Town Trust Fund targets businesses located in Ashfield, Bernardston, Charlemont, Erving, Gill, Hawley, Northfield, Warwick, Wendell, and Whately.
  • THE SSED Fund (Sudden and Severe Economic Dislocation) is for businesses that require financing for the retention or creation of jobs in Franklin County as well as Athol, Petersham, Phillipston and Royalston.  It is also available to support minority and women-owned businesses.
  • The Rural Development (USDA) Intermediary Lending Program is for established businesses that need gap financing.  Funds may also be available for new and expanding businesses.
  • The Rural Development (USDA) rural Microenterprise Assistance program is for established businesses that need gap financing.  Funds may also be available for new and expanding businesses.

Click here for more information.

Emergency Microloan Program- North Central MA

The North Central Massachusetts Development Corporation has launched an Emergency Micro-loan Program in light of the COVID-19 pandemic to assist small businesses that need access to funding due to hardship stemming from the outbreak. Loans of up to $20,000 will be awarded to qualifying local businesses that find themselves in a situation where they need access to capital and want to avoid high-interest credit cards or expensive and un-regulated online lenders. If approved, the business is also eligible to receive business assistance from NCMDC staff and consultants. Click here for more information.

COVID-19 Response Fund for the Pioneer Valley - Community Foundation of Western MA (CFWM)

The CFWM is mobilizing its emergence resources toward its new established COVID-19 Response Fund for the Pioneer Valley.  There is no application for this funding.  Funds will be released on a rolling basis as fundraising continues, making it possible to move resources quickly to adapt to evolving needs in subsequent funding phases.  To learn more please click here.

Emergency Small Business Grant Program - City of Framingham, MA

The City of Framingham has established the COVID-19 Emergency Small Business Grant to assist in the stabilization of existing small businesses within the City of Framingham that have had significant business disruption due to the impact of COVID-19.  These grant funds will assist small businesses in the City of Framingham to cover wages, rent, lost of inventory, and other fixed costs.
Eligible Applicants:
  • Have a physical establishment within the City of Framingham.
  • The business owner must be low- to moderate-income (see income thresholds below).
  • Have experienced a loss of revenue of 50% or more due to COVID-19 since March 10th.
  • Have less than $2,000,000 in gross annual receipts.
  • Have no outstanding tax liens or legal judgements.

For more information please click here.

City of North Hampton Small Business Emergency Grant Program - Valley Community Development Program

The City of Northampton through Valley Community Development Corporation will provide financial assistance grants to business owners. The purpose of these grants is to provide funds to low-moderate income businesses or businesses with low-moderate income employees to assist them in remaining open, as well as stimulating and adapting their businesses during the COVID-19 crisis and beyond.

The City is utilizing federal Community Development Block Grant (CDBG) funds for these grants thus assistance must be compliant with federal regulations. The City is providing $125,000 in grants for this Program. Please click here for eligibility criteria, permitted uses of grant funds and more information.

Restaurant Strong Fund - The Greg Hill Foundation and Samuel Adams 

The Greg Hill Foundation has teamed up with Samuel Adams to support those from the Massachusetts restaurant industry who have been impacted by the COVID-19 closures.  They are raising awareness and funds to provide grants to full-time restaurant workers in Massachusetts who are dependent on wages plus tips to cover basic living expenses and provide for their families.  The Restaurant Strong Fund goal is to provde $1,000 grants to as many qualifying grantees as possible.  To qualify you must be a full-time tipped compensated employee (Minimum of 20 hours total per, week, can be multiple restaurants), employed 3 months or longer at the same location and work in a restaurant, bar, café or nightclub located in Massachusetts. For more information please click here.

Emergency Small Business Grant - City of Fitchburg

The City of Fitchburg has developed a $2,500 grant program for small businesses in the City of Fitchburg.  Preference will be given to businesses that are existing loan customers, businesses with 5 or few employees, and restaurant/retail/entertainment businesses. Businesses must demonstrate business loss as a direct result of COVID-19 outbreak.  Click here for more information.

Additional Resources

Advice on avoiding credit problems related to COVID-19

Foisie Business School, Worcester Polytechnic Institute, leveraging a regional ecosystem of business resource organizations and teams of students and faculty to help businesses digitally transform from onsite to remote operations and from in-person to online customer engagements.

Lawyers for Civil Rights provides free legal support to qualifying entrepreneurs and small businesses in Massachusetts.

Mass MoCA's Assets for Artisans

Commonwealth Kitchen Small Business Resource Guide

North Central MA Webinar Series

WesternMass List of Business Resources:  Hampden, Hampshire, Franklin, and Berkshire Counties.  

Stay in touch with your local CWE Center.  Let us know your concerns, and follow us to stay up to date with available webinars and resources.

 

New Hampshire

U.S. Small Business Administration (SBA) Disaster Assistance in Response to the Coronavirus

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. Click here to view qualifications and areas eligible for the disaster loans.

Businesses Impacted by COVID-19

All small businesses impacted by Covid-19: We encourage all New Hampshire small businesses who have been impacted by the Covid-19 crisis to make a claim with New Hampshire Homeland Security and Emergency Management via the Covid-19 Joint Information Center. This will ensure the needs of small business owners are fully and accurately represented when aid packages are being drafted and considered. The process takes between 5-10 minutes. You may click here to visit the NH Homeland Security and Emergency Management website, and you may make a claim by calling (603) 223-6169, or by email at jic@dos.nh.gov.

Contact New Hampshire Business and Economic Affairs and speak to your regional Business Resource Specialist.

Carroll, Coos, Grafton Counties
Benoit Lamontagne
603-419-9713

Belknap, Merrimack Counties
Deborah Avery
603-271-0316

Hillsborough, Western Rockingham
Jimmy Hinson
603-271-6352

Strafford, Eastern Rockingham
Mark Laliberte
603-271-6351

Cheshire, Sullivan Counties
Mollie Kaylor
603-271-6305

Layoffs and Business Closure

Layoffs and business closures: If your business faces a potential layoff, the State of New Hampshire offers services through its Rapid Response program. Rapid Response is a comprehensive, collaborative and immediate initiative to respond to and mitigate layoffs and closures. Rapid Response benefits both employers and employees through services  to workers who are laid off, as well as layoff aversion information for businesses.

Employers facing potential layoffs or closures should contact Joe Doiron at Joseph.Doiron@LiveFree.NH.gov, 603-271-0146, to activate a Rapid Response team.  More information can be found at NHWorks.

Employees Experiencing Layoff

The State of New Hampshire offers a number of services for employees who have been laid off.  New Hampshire Employment Security has a list of available services.  Individuals will need file for unemployment each week of temporary unemployment and this can and should be done online or by calling 603-271-7700.

Public Health and Support

New Hampshire Department of Health and Human Services (DHHS) provides services to ensure the health and well-being of citizens during a layoff. Dislocated workers can discuss healthcare options, apply for food stamps, cash assistance, medical assistance, childcare and medical savings. Individuals can apply online at NHEasy or by calling 603-271-9700.

 

Rhode Island

U.S. Small Business Administration (SBA) Disaster Assistance in Response to the Coronavirus

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. Click here to view qualifications and areas eligible for the disaster loans.

The Paycheck Protection Program (PPP) for SBA-Guaranteed Loans – Citizens Bank Information

Citizens Bank has established a cross-functional group that is working closely with the SBA, their peers and legal experts to prepare for the implementation of the Paycheck Protection Program (PPP) for SBA-guaranteed loans.  They are a preferred SBA lender and will be able to offer this program directly to their customers. 

Citizens launched a webpage where you can sign up to receive an early alert when they are ready to receive your application. By signing up for this early alert, you will be among the first to receive notice that Citizens is ready to take your digital application, thus assuring you that your application will be prioritized.

Citizens Bank expects to receive guidance regarding the PPP for SBA-guaranteed loans this week.  Currently they know that certain documents will be required to apply, including:

  • Payroll tax filings reported to the IRS
  • State income, payroll, and unemployment insurance filings
  • Documentation verifying average monthly payroll amounts from prior periods<
  • Documentation verifying payroll costs, mortgage interest, rent and utility payments you expect to incur over the 2 month period after you receive funding

 

Citizens also expect that the SBA will create application documents and outline any additional requirements for the PPP loan.  In the meantime please click here for a helpful guide and checklist created by the U.S. Chamber of Commerce with more detail.  While this does not provide a detailed analysis of the PPP or include all of its nuances, it is helpful in describing the program generally.  If you have questions please contact:

I. Vanessa Toledo-Vickers
Vice President | Community Development Market Manager, RI and CT
CRA Officer

Citizens Bank
Providence, RI
P: 401-282-3703
VToledo-Vickers@CitizensBank.com
www.CitizensBank.com

Community Relief - Citizens Bank

Citizens Bank is committing $5 million to support communities and businesses dealing with the impacts of the coronavirus pandemic.  These resources will back both a number of broad-based community support initiatives across Citizens service area as well as specialized programs focused on providing aid  to small businesses and their workforces. Community organizations and small businesses in Rhode Island will receive $465,000 in funding as part of this program, including $340,000 that will go directly to small businesses across the state.
 
Citizens Bank and the Citizens Charitable Foundation will direct $465,000 in Rhode Island as follows:
 
  • $175,000 to LISC Rhode Island which will award grants to small businesses in Rhode Island to provide emergency relief to mitigate economic impacts. Click here for more information.
  • $165,000 in direct grants to Citizens Bank small business customers in Rhode Island and to help them continue operating and recover from the impacts of the coronavirus pandemic.  The program will provide $15,000 grants to 11 of the bank's small business customers.  Details of the award program can be found by clicking here.
  • $125,000 to the COVID-19 Response Fund administered by the United Way of Rhode Island and The Rhode Island Foundation which is supporting local nonprofits with direct service programs. Click here for more information.
 
In addition to providing new funding, Citizens has removed programmatic restrictions on 2020 funding to non-profit partners to allow support to be diverted to the areas of greatest need.
 

COVID-19 Response - Rhode Island Foundation and the United Way

Rhode Island nonprofit organizations at the forefront of the COVID-19 response can apply for grants from the Rhode Island Foundation/United Way COVID-Response Fund. Click here for the Application.  Click here for the application in Spanish.

Verizon Small Business Recover Fund - Verizon and Local Initiatives Support Corporation (LISC)

A trailblazing investment of $2.5 million from Verizon is making it possible for LISC to begin offering critical relief and resiliency-building support to small businesses facing immediate financial threat because of the COVID-19 pandemic.  The funding will go to make grants of up to $10,000, especially to entrepreneurs of color, women-owned businesses and other enterprises in historically under-served places who do not have access to flexible, affordable capital.  Verizon will highlight and bolster these efforts through their inaugural “Pay It Forward Live” online concert series.  For more information please click here.  Sign up for updates about the Verizon Small Business Recovery Fund, click here.

Crisis Relief Loans - Capital Good Fund

In response to the current times with COVID-19, Good Fund has developed the Crisis Relief Loan to help those financially impacted.  This loan ranges from $300-$1,500, and had a fifteen-month term with a special 90-day deferment payment period and 5% APR; there is also expedited loan application review.  The Crisis Relief loan can be used for (but is not limited to) paying utilities, covering medical bills, paying rent, and purchasing groceries, and will be available to resident of RI, FL, MA, DE and IL.  To view the Eligibility Check please click here. For more information please click here.

Small Business Grants - Berkshire Bank and Berkshire Bank Foundation

Berkshire Bank has earmarked an incremental $500,000 for small business grants to help businesses that do not have the ability to pay.  They are working with Berkshire Bank Foundation and the Foundation for Business Equity, among others, to deploy these dollars across their banking footprint and to sharing more details about these programs in the short term. Berkshire Bank also understand there will be situations where our customers find themselves or their businesses facing financial difficulties that are unique to them.  In those scenarios where hardship is not relieved by low-interest loans or small business grants, Berkshire Bank is asking their customers to reach out to them to further discuss how they may be of assistance. For more information click here.

Rhode Island Department of Labor and Training (DLT)

If you are temporarily ceasing or limiting operations as a result of COVID-19, please contact the DLT to discuss how they can provide assistance.  DLT stands ready to help with questions about Unemployment Insurance, Paid Sick and Safe Leave or other programs and resources available.  Request for assistance can be made by emailing DLT.COVID19@dlt.ri.gov or calling 401-462-2020.

If you are unable to work, but your place of business remains open, you may be eligible for Temporary Disability Insurance (TDI). Click here for more information.

If you are out of work and are not being compensated, you may be eligible for Unemployment Insurance (UI)  Click here for more information.

Regional

Low-Interest Financing for Businesses in Pawtucket, RI – Pawtucket Business Development Corporation (PBDC)

The City of Pawtucket offers businesses located within the City low- interest financing through Pawtucket’s Business Development Corporation (PBDC). This unique financing tool offers loans to small businesses operating in the City of Pawtucket that have been negatively affected by the outbreak of the COVID-19 virus. Retail, commercial, and entertainment businesses that rely on customers making purchases at their establishments are especially affected; this program is designed to provide relief to those types of businesses. Businesses must demonstrate hardship caused by the COVID19 virus outbreak.  

Under this program, the PBDC will provide emergency micro-loans to businesses negatively affected by the COVID-19 outbreak. Businesses with twenty-five (25) or fewer employees are eligible to apply for funds, which will be used to pay for normal businesses expenses that have been made more difficult due to declining revenues caused by the COVID-19 outbreak. Businesses may apply for up to $10,000 in funds under this loan program. Businesses must have a physical location in the City of Pawtucket and have experienced a loss of income due to COVID-19. Funding is limited and applications will be accepted on a rolling basis.  Please click here for more information and to apply.

COVID-19 Job Retention Loan Program for East Providence, RI Businesses - East Providence Economic Development Commission

The COVID-19 Job Retention Loan Program is for East Providence businesses with fewer than five employees able to show that jobs would have been lost without assistance.  Loans are up to $5,000.  For more information please click here.

COVID-19 Small Business Assistance Loan Program for East Providence, RI, Businesses - East Providence Economic Development Commission

The COVID-19 Small Business Assistance Loan Program is for East Providence businesses with fewer than ten employees.  Loans are up to $5,000.  For more information please click here.

 

Resources

Low-Cost Health Insurance - HealthSourceRI

If you lost your health coverage through your job and need to sign up for insurance, you can through HealthSourceRI.  To enroll visit healthsourceri.com or call 1-855-840-4774.  To learn more click here or here in Spanish.

Resources - Rhode Island Commerce

RI Commerce provides information about the SBA Disaster Loans, Tech Support during COVID-19, Business Guidelines, Emergency Grants and Funding and Relief for Employees as well as other pertinent information during the COVID-19 crisis.   Click on the links below to find information about the subject noted.

  • Small business assistance from Rhode Island Commerce, 401-521-HELP (401-521-4357)
  • Emergency Grants and Funding
  • Relief for employees
  • Tech support during COVID-19 - 45-minute tech support sessions for small businesses and sole proprietors via zoom or conference call.
  • Emergency Support Function (ESF) 18  Summary - 3/29/2020- Information about the preparedness and response phases during this COVID 19 crisis. Actions of local, state and federal agencies and organizations to provide immediate and short-term assistance for the needs of business, industry, and economic stabilization.
 

COVID-19 Resources - RI Alliance for Business Resilience

The RI Alliance for Business Resilience provides a list of up-to-date resource documents for businesses provided by the CDC, US Chamber of Commerce and other official sources on COVID-19 virus. Click here for a list of documents.

 

 

 

Vermont

Small Business Grants - Berkshire Bank and Berkshire Bank Foundation

Berkshire Bank has earmarked an incremental $500,000 for small business grants to help businesses that do not have the ability to pay.  They are working with Berkshire Bank Foundation and the Foundation for Business Equity, among others, to deploy these dollars across their banking footprint and to sharing more details about these programs in the short term. Berkshire Bank also understand there will be situations where our customers find themselves or their businesses facing financial difficulties that are unique to them.  In those scenarios where hardship is not relieved by low-interest loans or small business grants, Berkshire Bank is asking their customers to reach out to them to further discuss how they may be of assistance. For more information click here.

Regional & Specific Industries

 
Emergency Loans - Vermont Farm Fund (VFF)

The VFF seeks to minimize the hurdles to secure a loan and receive funds to begin the recovery process.  The maximium Emergency Loan amount is currently $10,000.  This is a zero percent interest loan, payable over 24 months with a flexible payment schedule.  Click here for more information.

Vermont Rapid Response Artist Relief Fund - The Vermont Arts Council

The Vermont Arts Council has established a Vermont Rapid Response Artist Relief Fund to respond to the devastating impact of the COVID-19 pandemic on artists across the state.  There is information and resources for artists and organizations as well as a guide for creating virtual art experiences during this time of social distancing. Click here for more information.

Guidance

COVID-19 Guidance for Vermont Businesses - State of Vermont Agency of Commerce and Community Development

Click here for the latest guidance available for Vermont businesses.

COVID-19: Information for Employees and Employers - State of Vermont Department of Labor

Click here for resources for Employers and other information.
Click here for resources for Employees and other information..

 

Insurance

COVID-19 and Business Income Insurance - State of Vermont Department of Financial Regulation

The Department of Financial Regulation had developed a guidance document to address numerous questions from the business community as it relates to the Coronavirus and Business Income Insurance.  Please click here for more information.

Planning Guides

Disaster Recovery Guide for Business - Vermont Small Business Development Center (VtSBDC)

The VtSBDC Disaster Recovery Guide for Business contains all the steps small business owners need to take, and all the information one would need to gather post-disaster.  Click here for the Disaster Recovery Guide

Legal