Resources for your Business During Coronavirus COVID-19

Resources for your Business During Coronavirus COVID-19
冠狀病毒COVID-19期間為您的企業提供的資源

**The info found on this page is up to date as of Tuesday, May 26, 2020.
**此网页最后更新于2020年5月 26日星期
二。

We know people need support more than ever during this COVID-19 crisis. We have organized and summarized resources available to help people get through this difficult time. Please see below and share it with those in need.

我們知道在新冠疫情危機下,人們需要更多的支持。我們整理匯總了各類可以利用的福利和資源以幫助大家共度難關。請訪問此網頁瀏覽信息:

Join PCDC’s “Shop Chinatown” Event: We’ll Promote Your Business for Free!

Calling All Chinatown Businesses: Is your business open or planning to reopen in the coming weeks?

COVID-19 has deeply impacted Chinatown’s local economy. PCDC will be promoting businesses that are open or are planning to open in the coming weeks through the Shop Chinatown event. We will promote your business on Facebook, Twitter, WeChat, and Instagram! Just include some information on your business, any steps that you are taking to keep customers and employees safe, and a photo of your business and your specialty.
Sign up to be part of Shop Chinatown!
Only takes 5-10 minutes to complete
All participating businesses must meet the below requirements. Our goal is to showcase those businesses that are meeting COVID-19 safety guidelines to customers and clients.

  • We support contactless order and pickup
  • All our staff wear gloves and masks 
  • We mandate social distancing of 6 feet for both customers and employees
  • We clean and disinfect high-touch areas routinely in accordance with CDC guidelines

GRANT, LOANS FOR SMALL BUSINESSES

City Resources

As of 4/28/2020, there are no resources provided by the City of Philadelphia.

State Resources

As of 4/28/2020, there are no resources provided by the State of Pennsylvania.

Federal Resources

Economic Injury Disaster Loans (EIDLs)

Federal Disaster Loans for Businesses, Private Non-profits, Homeowners and Renters

These loans are offered by Small Business Administration (SBA), offering up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

Small business owners in all U.S. states and territories are currently eligible to apply for a low-interest loan due to Coronavirus (COVID-19).

These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%.

The SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

The SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.

For questions, please contact the SBA disaster assistance customer service center at 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail disastercustomerservice@sba.gov.

Economic Injury Disaster Advance Loan

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000.

This advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application. This loan advance will not have to be repaid.

To Apply: https://covid19relief.sba.gov/#/

SBA Express Bridge Loans  

Source: https://www.sba.gov/sites/default/files/2020-03/Express-Bridge-Loan-Pilot-Program-Guide-FINAL-3.25.20.pdf, last accesses 4/3/2020 

SBA Express Bridge Loans allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan. 

Terms:  

  • Up to $25,000;  
  • fast turnaround;  
  • to be repaid in full or in part by proceeds from the EIDL loan.  
  • Express Bridge Loan Lenders found through local SBA District Office. 

Paycheck Protection Program 

Source: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp#section-header-4, last accesses 4/3/2020 

The Paycheck Protection Program prioritizes Americans employed by small businesses. It is authorized up to $349 billion toward job retention and certain other expenses. It is designed to provide a direct incentive for small businesses to keep their workers on payroll by providing each small business a loan up to $10 million for payroll and certain other expenses.   

  • Eligible recipients may qualify for a loan up to $10 million determined by 8 weeks of prior average payroll plus an additional 25% of that amount. 
  • Loan payments will be deferred for six months. 
  • If businesses maintain their workforces, SBA will forgive the portion of the loan proceeds that are used to cover the first 8 weeks of payroll and certain other expenses following loan origination. 

Eligibility: 

This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by coronavirus/COVID-19. 

Businesses in certain industries may have more than 500 employees if they meet the SBA’s size standards for those industries. 

Small businesses in the hospitality and food industry with more than one location could also be eligible if their individual locations employ less than 500 workers. 

SBA Debt Relief 

Source: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/sba-debt-relief, last accesses 4/3/2020 

As part of SBA’s debt relief efforts, 

  • The SBA will automatically pay the principal, interest, and fees of current 7(a), 504, and microloans for a period of six months. 
  • The SBA will also automatically pay the principal, interest, and fees of new 7(a), 504, and microloans issued prior to September 27, 2020. 

Other Resources

The Red Backpack Fund:Grant for Women-Owned Businesses

Next round of funding will open on June 1st.

GlobalGiving will be overseeing the fund, making at least 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.
The first round of applications were open from April 6-12. Final grant recipients from the April application round will be notified by May 15. Final grant recipients from the May application round will be notified by June 12.
Each month, they will accept additional applications. The portal will open for applications again on June 1, July 6, and August 3.

Click here to learn more

Pennsylvania 30 Day Fund: Forgivable Loan for Businesses

The non-profit Pennsylvania 30 Day Fund provides forgivable loans for Pennsylvania-based small businesses. The forgivable loan is intended to provide immediate financial assistance to meet payroll, preserve healthcare coverage for employees and save jobs while they await recently approved federal funding.  
Eligibility: 
Pennsylvania businesses that qualify for assistance from the Fund are small businesses:

  • Employing three to 30 people;
  • Based in Pennsylvania and operating for at least one year;
  • Owned and operated by a Pennsylvania resident.

Amount of Funding: 
PA 30 Day Fund grants provide up to $3,000 to qualified small businesses. The funds dispersed to businesses by the Pennsylvania 30 Day Fund do not need to be repaid.
Application Process:
The application process is designed to be quick and easy for small businesses in Pennsylvania. You will receive a funding decision within three days. The application can be submitted from your phone in less than ten minutes.

  • Fill out a one-page form (takes less than ten minutes)
  • Submit a brief video (up to three minutes) about the business and its employees.
  • Approval will occur within three days, and approved businesses can expect an immediate transfer of funds.

To apply for the Pennsylvania 30 Day Fund, click here

Verizon Small Business Recovery Fund

Verizon Small Business Recovery Fund Round 3 is CLOSEDDeadline:  5/20/20 by 11:59PM

Thanks to a $2.5 million investment from Verizon, LISC is offering grants to help small businesses fill urgent financial gaps until they can resume normal operations or until other more permanent financing becomes available. 

Small businesses across the country are confronting extreme economic challenges as a result of the COVID-19 pandemic. Financial support at this critical time can make the difference between staying in business or closing permanently, leading to lost income, jobs and economic stability.
Thanks to a $2.5 million investment from Verizon, LISC is offering grants to help small businesses fill urgent financial gaps until they can resume normal operations or until other more permanent financing becomes available. 

Who is eligible?
LISC will use the Verizon funding to provide grants of up to $10,000 to businesses facing immediate financial pressure because of COVID-19—especially entrepreneurs of color, women-owned businesses and other enterprises in historically under-served communities who don’t have access to flexible, affordable capital. 

What it can be used for?

  • Paying rent and utilities
  • Meeting payroll
  • Paying outstanding debt to vendors
  • Other immediate operational costs

Online Application Form:Here

Restaurant Employee Relief Fund:Restaurant Employees Eligible for $500 Check

Through the Restaurant Employee Relief Fund, National Restaurant Association Educational Foundation will provide grants to restaurant industry employees who have been adversely impacted by COVID-19 financially, whether through a decrease in wages or loss of employment that results in a lack of resources to pay for essential expenses.
Each approved grant is a one-time grant of $500, per person. Once applied, you will be notified via email within 2-4 weeks of application submission. Fund will be sent via check to the address provided in the application and made out directly to the applicant.
Applications will re-open on Thursday, April 9th at 12PM. 
Apply herehttps://rerf.us/apply-for-aid/
Who Should Apply To Receive Funds?
Funds will be available for restaurant and food service employees who can demonstrate that they:

  • Worked on a part- or full-time basis in the restaurant industry for at least 90 days in the past year; and
  • Have had a primary source of income in the restaurant industry for the last year; and
  • Have experienced a decrease in needed wages or loss of job on or after March 10, 2020 the result in a lack of resources to pay for essential expenses; and
  • Live in the United States, an overseas U.S. military base, or any U.S. territory*; and
  • Are over the age of legal majority in their in their U.S. state or territory; and
  • Meet other requirements demonstrating financial need as determined by the NRAEF.
  • Depending upon the terms of certain contributions to the Fund, certain amounts may only be available for distribution in limited geographic areas.

What Can You Use This Fund For?
One-time grants are for short-term COVID-19 related hardships in paying any of the following expenses only:

  • Home rent or mortgage
  • Car payments or transportation costs
  • Utility bills
  • Student loan payments
  • Child care
  • Groceries
  • Medical bills

GOVERNMENTAL POLICIES

Employees and Customers Must Wear Face Masks in Businesses & Other New Regulations

On April 15th, 2020, Pennsylvania state officials implemented new rules for businesses open to in-person customers, aimed at protecting the public from the spread of COVID-19.
Beginning 8PM Sunday, April 19th, 2020, all Pennsylvania businesses that are still open to in-person customers will be required to follow new regulations listed in this notice by the Pennsylvania Department of Health. Some of these new rules include:

  • Mandatory requirement for employees to wear masks while on the work site
  • Require all customers to wear masks while on premises, and deny entry to individuals not wearing masks, unless the business is providing medication, medical supplies, or food, in which case the business must provide alternative methods of pick-up or delivery of such goods
  • Encourage use of online ordering by providing delivery or pick-up options
  • Provide sufficient amount of space for employees to have breaks and meals while maintaining a social distance of 6 feet, while arranging seating to have employees facing forward and not across from each other in eating and break settings;
  • where feasible, businesses should conduct business with the public by appointment only and to the extent that this is not feasible, businesses must limit occupancy to no greater than 50% of the number stated on the applicable certificate of occupancy at any given time, as necessary to reduce crowding in the business, and must maintain a social distance of 6 feet at check-out and counter lines, and must place signage throughout each site to mandate social distancing for both customers and employees

FOR FULL LIST OF NEW REGULATIONS, CLICK HERE.

Non-Essential Businesses may not subject to the Use & Occupancy Tax

———————————— Updated 4/22/2020 ————————————

Businesses ordered to close beginning March 17, 2020 as a result of safety measures are NOT subject to the Use & Occupancy (U&O) Tax while occupancy of their place of business is prohibited.

However, businesses deemed essential (e.g. food services), whether they choose to operate or not, are subject to Use & Occupancy Tax.

For more information, please visit the City’s Use & Occupancy Tax guidance: https://www.phila.gov/media/20200409153648/Use-and-Occupancy-UO-Tax-covid-guidance-040920.pdf

Mandatory Closing of Certain Businesses – Types of Businesses Affected, Exemption Request, etc.

On March 19, 2020, the Governor Tom Wolf ordered all non-life-sustaining businesses in Pennsylvania to close their physical locations as of 8 p.m. to slow the spread of COVID-19. Enforcement actions against businesses that do not close physical locations will begin at 12:01 a.m. Saturday, March 21.

Mandatory Closing – Exemption Request
Businesses seeking waivers and exemptions to the closure order can contact RA-dcexemption@pa.gov for assistance.
List of Types of Businesses: HERE
Gov. Wolf’s Notice: HERE

EMPLOYER INFORMATION 

For Employees: Unemployment Benefits Due to Coronavirus

Do you have employees who were laid off or work less hours due to the coronavirus? PCDC is working to help families and individuals apply for unemployment benefits.

What you will need:
– SSN- Home and mailing address
– Telephone number
– Valid email
– Employer’s name, address, and phone number
– First and last day worked with employer
– Reason for leaving
– Pension or severance package information (if applicable)
**Additional information may be needed
Call PCDC at 215-922-6156. Monday – Friday 9:30AM – 6PM.

SAFETY & SECURITY

Protect Our Neighborhood: Register Your Security Camera with the Philadelphia Police Department

SafeCam is one of the Philadelphia Police Department’s contemporary crime prevention and investigation tools that demonstrates the effectiveness of partnerships between police and the community.
Registering your camera not only helps deter crime, but assists the Department in its overall crime prevention strategy in your neighborhood.
Protect yourself, your family and your community by registering with SafeCam.
Become a part of the Philadelphia Police Department SafeCam network!
SafeCam Program Registration

Social Distancing for Essential Businesses During COVID-19 Coronavirus

The City of Philadelphia strongly recommends the following precautions to protect yourself, your employees, your patrons, and the broader community: 

In accordance with the Philadelphia Health Department, to make sure that your business continues to provides goods and services, while also keeping your customers and clients safe, we highly recommend using the following guidelines for your stores:

  • For pick up and delivery, having customers and delivery men wait in a designated area that gives each individual at least 6 feet of space to the next person. 
  • Consider limiting the number of people in the store at one time. This includes any atrium and other areas that would have people waiting in tight spaces. Consider implementing the “nightclub model” of setting a maximum capacity and assigning staff to manage the number of people entering. Once maximum capacity has been reached, staff can allow more customers inside as others leave to maintain the maximum capacity and help customers shop safely. It is recommended to also encourage social distancing if lines form.
  • Social distancing recommendations must be met (i.e., limit contact of people within 6 feet from each other). Consider: floor markings and visual cues to help customers keep a six-foot distance, only operating every other register or check-out lane, ensuring work space between workers is at least 6 feet.
  • Whenever possible, encourage customers to call ahead or place orders online so that staff can select and pack up groceries for customers to pick up or have delivered. Ensure customers who use SNAP have access to the same delivery services and pick up options whenever possible. 
  • Schedule handwashing breaks every 30-60 minutes. Employees should wash hands with soap and water for at least 20 seconds. Assign a relief person to step in for cashiers so they can wash their hands with soap for a full 20 seconds. Provide hand lotion so workers’ hands don’t crack.

Full list of social distancing and safe hygiene practices for businesses: Social Distancing Precautions

Personal Protective Equipment (PPE):List of Business Suppliers

Businesses that are looking to purchase PPE to keep their business safe for staff and customers, the Pennsylvania Department of Community and Economic Development has compiled a directory of PPE and supplies vendors, “Pennsylvania COVID-19 PPE & Supplies Business-2-Business (B2B) Interchange Directory”.
The directory includes vendors that sell N95 Masks, Fabric & Other Masks, Surgical Masks, Thermometers, and Hand Sanitizer.

About the Interchange Directory:
Company and product information provided in this directory were gathered in good faith as a means of connecting Pennsylvania businesses and organizations that are seeking various PPE and other related items to combat the COVID-19 crisis. The information made available is from those entities who voluntarily contacted the commonwealth through the Manufacturing Call to Action Portal or the Pennsylvania Critical Medical Supplies Procurement Portal.
The immediate goal of this B2B Interchange Directory is simple: to provide an opportunity for companies and other entities in need of PPE and other critical items to make a B2B connection as they may choose with manufacturers and suppliers of COVID-19 related items.
Click to here to see Directory

EDUCATIONAL RESOURCES

Temple SBDC webinars

MISCELLANEOUS/FEEDBACK FROM BUSINESSES

Complete the Philadelphia “Business Impact of COVID-19 Survey”

All businesses are encouraged to complete the ‘Business Impact of COVID-19 Survey‘ as created by the City of Philadelphia. This survey is how the City of Philadelphia is gathering data on the impact coronavirus is having on businesses, which will help them gather more funding and resources to support our local economy. Please complete this BRIEF survey on how your business has been impacted: City of Philadelphia – COVID-19 Business Impact (English)

Delivery Service as Restaurant Owners’ Option

In response to the coronavirus, the City of Philadelphia has closed all dine-in options for restaurants from 5PM on March 16th to March 27th. As a business owner, you are still able to provide take out and delivery to customers, but please be advised of the following: 

Food establishments may only accommodate online and phone orders for delivery and pick-up, and cannot allow dine-in service, for the duration of these restrictions.” – City of Philadelphia We would like to encourage food and grocery businesses that remain open to utilize delivery options like ChowBus, Uber Eats, Door Dash, etc. to maintain their stores. 
Philadelphia’s Chinatown has a Chowbus office here that already services a number of businesses in Chinatown and is interested in helping other Chinatown food businesses.

About Chowbus: Established in 2016, Chowbus is a food delivery platform providing high quality, authentic asian food to customers in North America.

Chowbus Service:

  • Delivery: Door to door delivery, no service fee, no small cart fee
  • Pick Up: Skip the line
  • Lunch Shuttle (in selected cities): Curated menu everyday, only $1 delivery fee
  • Grocery(in selected cities): Same day grocery delivery

Chowbus’ Uniqueness :

  • Each and every dish offered by Chowbus is handpicked, with real food pictures
  • Get dishes from different restaurants in one order. No extra fee.
  • $0 delivery fee for selected restaurants, no service fee, no small order fee
  • Exclusive deals and perks
  • Real-time order tracking, 24 hours customer service

If you have any questions or would like to partner with Chowbus, please call: 267-563-0909.

The Merchant’s Fund – How can TMF Help Your Business?

For over 166 years, The Merchants Fund has been helping small businesses and merchants during their time of need. We know that you need us now more than ever. In order to tailor our support to best suit your needs, we ask that you take just a few minutes of your time to complete this short SURVEY about how COVID-19 has impacted your business.
The Merchant’s Fund – COVID-19 Survey


加入PCDC的 “Shop Chinatown” (在華埠購物)活動:我們將免費為您推廣業務!

致華埠的所有企業:您的企業是否開業或計劃在未來幾週內重新開業?

COVID-19對華埠的當地經濟產生了深遠的影響。PCDC將通過Shop Chinatown (消費在華埠)活動來幫助即將開業或計劃在未來幾週開業的商戶促銷。我們將在Facebook,Twitter,微信和Instagram上推廣您的業務!隨表請附上有關您的業務的信息、為確保客戶和員工安全而採取的任何步驟、您的商鋪照片、和特色菜或商品的照片。
參加PCDC的Shop Chinatown(之消費在華埠)活動!
完成此表格所需時間:5-10分鐘
所有参加的商业必須符合這些標準。我們的目標是向客戶展示那些符合COVID-19安全規範的企業。

  • 我們支持零接觸式點單和取餐
  • 我們所有的員工都戴著手套和口罩
  • 我們要求客戶和員工的社交距離都必須超過6英尺
  • 我們根據CDC的標準定期清潔和消毒高接觸區域

小企業 的補助,貸款和其他金融資源

費城市的資源

目前(4/28/2020)沒有費城市政府提供的資源。

賓州資源

目前(4/28/2020)沒有賓州政府提供的資源。

國家資源

經濟傷害災難貸款 (Economic Injury Disaster Loans (EIDLs))

為企業,私人非營利組織,房主和租房者設立的災難的聯邦政府貸款。
這些貸款由小型企業管理局(Small Business Administration,SBA)提供,最高可提供200萬美元的援助,並且可以為小型企業提供至關重要的經濟支持,以幫助他們克服正在經歷的經濟損失。
由于冠狀病毒(COVID-19),美國所有州和地區的小企業主目前都有資格申請低息貸款。
這些貸款可以用於支付固定債務,工資,應付帳款和其他因災難影響而無法支付的賬單。小型企業的利率為3.75%。非營利組織的利率為2.75%。

SBA提供長期還款的貸款,以使企業負擔得起貸款,最長30年。根據每個借款人的還款能力,根據具體情況確定條款。

SBA的經濟傷害災難貸款只是聯邦政府正在擴展的協調響應重點中的一部分,SBA堅決致力於提供最有效的和以客戶為中心的響應。

如有疑問,請致電1-800-659-2955(TTY:1-800-877-8339)與SBA災難援助客戶服務中心聯繫,或發送電子郵件至asterncustomerservice@sba.gov。

點擊這裏查看申請教程。

經濟傷害災難貸款預付款Economic Injury Disaster Advance Loan

為應對冠狀病毒(COVID-19)大流行,美國所有州,華盛頓特區和地區的小企業主都有資格申請最高10,000美元的經濟傷害災難貸款的預付款。

這筆預付款將為目前暫時失去收入的企業提供經濟救濟。 資金將在成功申請後的三天內提供。 這筆預付款無需償還。

申請:https://covid19relief.sba.gov/#/

SBA Express Bridge貸款 

資料來源:https://www.sba.gov/sites/default/files/2020-03/Express-Bridge-Loan-Pilot-Program-Guide-FINAL-3.25.20.pdf,最後訪問時間為2020/4/3 

SBA Express Bridge貸款允許當前與SBA Express貸款人有業務關係的小型企業以較少的文書工作獲得高達25,000美元的資金。 這些貸款可以為小型企業在申請SBA經濟傷害災難貸款的同時,提供至關重要的經濟支持,以幫助克服他們暫時遇到的收入損失,並且可以作為定期貸款或用於彌補缺口。 如果小型企業在等待經濟損失災難貸款的時候急需現金,則他們可能有資格獲得SBA Express Disaster Bridge貸款。 

條款: 

  • 最高$ 25,000; 
  • 快速周轉; 
  • 將通過EIDL貸款的收益全部或部分償還。 
  • 可通過當地SBA地區辦公室找到Express Bridge貸款人。 

薪資保護計劃 ( Paycheck Protection Program )

資料來源:https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp#section-header-4,上次訪問時間是4/3/2020 

薪酬保護計劃保障受僱於小企業的美國人。此計劃已批准高達3490億美元用於保留崗位和某些其他費用。它旨在通過向每家小企業提供最高1000萬美元的工資和某些其他支出的貸款,來直接激勵小企業保持其員工工資。 

  • 合資格的受款人可能有資格獲得最高1000萬美元的貸款,該貸款由先前8週的平均工資單加上該金額的額外25%確定。 
  • 貸款償付將推遲六個月。 
  • 如果企業維持其員工崗位,SBA將免除部分用於支付首8週的員工薪酬以及某些其他支出的貸款款項。 

申請資格: 

該計劃適用於受冠狀病毒/ COVID-19影響的少於500名員工的企業(包括獨資企業,獨立承包商和個體經營者),私營非營利組織或501(c)(19)退伍軍人組織。 

如果某些企業擁有多於500名員工,但企業符合SBA針對這些行業的規模標準,則他們也符合資格。 

如果餐飲業和食品業有多個經營地點,但單個地點僱用的工人少於500名,則它們也可能有資格。 

SBA債務減免 

資料來源:https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/sba-debt-relief,上次訪問時間為4/3/2020 

作為SBA債務減免工作的一部分, 

  • SBA將自動支付當前7(a),504和小額貸款的本金,利息和費用,期限為六個月。 
  • SBA還將自動支付2020年9月27日之前發行的新7(a),504和小額貸款的本金,利息和費用。 

其他資源

紅色背包基金(The Red Backpack Fund):婦女自營企業補助

下一輪資助將於6月1日開始。

GlobalGiving將監督該基金,向美國的女企業家提供至少1,000筆每筆5,000美元的贈款,以幫助緩解他們的迫切需求並支持受危機影響的人們的長期康復。 
第一輪申請於4月6日至12日開放。 4月份申請的人將於5月15日得到回复通知。 5月申請的人將於6月12日得到回复通知。 
每個月,他們都會接受其他申請。該門戶將在6月1日,7月6日和8月3日再次開放申請。

點擊此處了解更多信息。

賓夕法尼亞州30天基金:企業無需償還的貸款

非營利性Pennsylvania 30 Day Fund為位於賓夕法尼亞州的小型企業提供無需償還的貸款。這筆無需償還的貸款旨在提供即時的財政資助,為僱員保留醫療保險,並在他們等待最近批准的聯邦資金時保住工作。
資格:
符合從該基金獲得援助資格的賓夕法尼亞州企業是小型企業:

  • 僱用三至三十人;
  • 總部設在賓夕法尼亞州,經營至少一年;
  • 由賓夕法尼亞州居民擁有和經營。

資助金額:
PA 30 Day Fund贈款最多可為合格的小型企業提供3,000美元。PA 30 Day Fund分配給企業的資金無需償還。
申請流程:
賓夕法尼亞州的小型企業可以快速,輕鬆地完成申請流程。您將在三天內收到資助決定。可以在不到十分鐘的時間內通過手機提交申請。

  • 填寫一頁表格(少於十分鐘)
  • 提交有關企業及其員工的簡短視頻(最多三分鐘)。
  • 批准將在三天內完成,獲批准的企業很快就會得到資助金。

要申請PA 30 Day Fund,請單擊此處

Verizon小型企業恢復基金

Verizon小型企業幫扶基金第二輪現在已經結束 —— 截止日期:2020年5月20日

由于COVID-19的大流行,全国的小型企业都面临着极端的经济挑战。在此关键时刻,财务帮扶对企业的生存至关重要,缺少帮扶或致企业永久关闭,造成没有收入、失业及经济动荡的后果。
得益于Verizon的250万美元的投资,LISC现帮助小型企业解决资金缺口的问题。 

谁有资格?
LISC将用Verizon的资金为因COVID-19而面临直接财务压力的企业提供高达10,000美元的帮扶款,尤其是少数族裔的企业,妇女拥有的企业以及在历史上服务欠缺、资金不足的社区。 

资金用途

  • 支付房租和水电费
  • 员工工资
  • 偿还欠供应商的债务
  • 其他直接运营成本

上網申請表申請表

申請表的中文翻譯點擊這裏:中文申請表 (翻譯僅供參考,不是正式申請表)

該基金新聞稿的中文翻譯點擊這裏:中文新聞稿

餐廳員工救濟基金:餐廳員工有資格獲得500美元的支票

全國飯店協會教育基金會 (National Restaurant Association Educational Foundation NRAEF),將通過飯店員工救濟基金 (Restaurant Employee Relief Fund),向在財務上受到COVID-19影響的飯店業員工提供補助,無論是由於工資的減少還是失去工作,而導致缺乏支付基本費用的能力。
一旦被批准為合格,每人將獲得500美元的一次性贈款。一旦申請,將在提交申請後的2-4週內通過電子郵件通知您。資金將通過支票發送到申請中提供的地址,並直接發給申請人。
申請推出4月9日(星期四)下午12點重新開放。
在此處申請:https://rerf.us/apply-for-aid/
誰應該申請接收資金?
餐飲業和餐飲業員工可以使用資金,證明他們:

  • 在過去的一年中,至少有90天在餐飲業中擔任兼職或全職工作;
  • 去年餐飲業的收入是其主要的收入來源;
  • 在2020年3月10日或之後,所需的工資減少或失去工作,導致缺乏支付基本費用的資源;
  • 居住在美國,美國海外軍事基地或任何美國的領土*;
  • 在美國所在州或地區超過法定年齡;
  • 滿足NRAEF確定的其他顯示財務需求的要求。
  • 根據對基金的某些捐款的條款,某些規模可能只能在有限的地區內分配。

您可以將這筆資金用作什麼?
一次性補助金是針對與COVID-19相關的短期困難,僅用於支付以下費用:

  • 房屋租金或抵押
  • 汽車付款或運輸費用
  • 水電費
  • 學生貸款付款
  • 育兒
  • 雜貨
  • 醫療費

政府政策

開工企業的員工和客戶必須戴口罩及其他新規定

2020年4月15日,聯邦州宣布對與客戶有面對面交流的企業實施了新規則,旨在保護公眾放置COVID-19的感染。

從2020年4月19日(星期日)晚上8點開始,每月州所有與客戶有面對面交流的開工的企業將必須遵守當地州衛生部在本通知中列出的新規定。這些新規定包括:

  • 強制要求員工在工作場所戴口罩
  • 要求所有客戶在場所內戴口罩,並拒絕未戴口罩的個人進入,除非企業在提供藥品,醫療用品或食物,在這種情況下企業必須提供替代的方式來提取或運送此類物品
  • 鼓勵使用在線訂購,為客戶提供取貨和送貨服務
  • 提供足夠的空間供員工休息和進餐,同時保持6英尺的社交距離,安排座位,使員工在進餐和休息時避免與他人面對面而坐;
  • 在可行的情況下,企業應僅通過預約與公眾進行業務往來,在不可行的情況下,企業必須將場所內部的人員控制在正常人數(證書上規定的人數)的百分之五十以下。為了減少業務場所的擁擠,必須在結帳和櫃檯線處保持6英尺的社交距離,並且必須在每個點上放置標牌,以強制客戶和員工保持必須的距離。

有關新法規的完整內容,請遵守此處

因疫情關閉的非必要商戶暫時免交使用和占用稅

———————————– 此消息更新于4/22/2020 ———————————–

因控制疫情的安全措施而被下令於2020年3月17日開始關閉的商戶,在禁令期間,不需繳納使用和占用稅(U&O)。

但是,無論是否選擇經營,被視為必要的商戶,即 Essential Businesses(例如食品服務)都要照常繳納使用和占用稅。

如欲瞭解詳情,請訪問市政府的使用和占用稅指南:https://www.phila.gov/media/20200409153648/Use-and-Occupancy-UO-Tax-covid-guidance-040920.pdf

強制關閉某些企業-受影響的企業類型,豁免請求等

2020年3月19日,州長湯姆·沃爾夫(Tom Wolf)下令賓夕法尼亞州所有非維持生命的企業在晚上8點之前關閉其營業地點,以減慢COVID-19的傳播速度。從3月21日星期六凌晨12:01開始,對沒有遵守關閉令的商業實行強制措施。

強制關閉-豁免請求尋求豁免和豁免關閉令的企業可以聯繫RA-dcexemption@pa.gov尋求幫助。
企業類型清單:此处
州長的公告:此处

雇主須知

致雇员:由於COVID-19冠狀病毒而造成的失業福利

您是否因冠狀病毒而被解僱或工時減少?PCDC正在努力幫助家庭和個人申請失業救濟。

請準備以下材料:
-社安號(SSN)
-家庭住址和郵寄地址
– 電話號碼-有效的電子郵件-雇主的​​​​​​姓名,地址和電話號碼-受僱時間(第一天到最後一天)
– 離開的原因-退休金或遣散費信息(如果適用)
**可能需要其他信息
打電話 Call:215-922-6156週一至週五, 早上9點半至下午6點

安全

为了保护我们的社区,请在费城警察局注册安全摄像机

SafeCam是费城警察局预防犯罪和调查的一个工具,展示了警察与社区之间合作伙伴关系的有效性。
为您的相机注册不仅可以帮助遏制犯罪,而且可以帮助警察局制定总体预防犯罪策略。
通过注册SafeCam保护自己,家人和社区。
成为费城警察局SafeCam网络的一部分!
SafeCam註冊程序

為防止COVID-19冠狀病毒的擴散,應保持一定的安全距離

根據費城衛生局,為確保您的業務不中斷,同時又確保客戶的安全,我們強烈建議大家做以下事情:

  • 提貨和送貨:請客戶和送貨人員在指定區域等候,該區域內人和人之間至少保持6英尺的距離。
  • 考慮限制每次進入商店的人數。這包括店內所有的空間。考慮實施“夜總會模式”,即設置最大容量並分配人員來管理進入的人數。一旦達到最大容量,員工就得等有人離開以後再放人進去,以保持顧客的安全。如果排隊,也建議保持足夠的距離。
  • 建議大家嚴格保持社交距離(即,將彼此間的距離限制在6英尺之內)。請考慮:用地板標記和視覺提示的方法幫助客戶保持六英尺的距離,收銀機或結賬通道之間也應保持至少6英尺的距離。
  • 盡可能鼓勵客戶提前電話訂購或在線訂購,以便員工可以有時間為客戶備貨或送貨。確保使用SNAP的客戶享有同樣的服務。
  • 安排員工每30-60分鐘洗一次手。員工應使用肥皂和水至少洗20秒鐘。指派一名人員暫替收銀員,以便他們有時間洗手。提供洗手液,以確保工人的手不會破裂。

企業所要求的安全距離和衛生實施的完整列表:安全距離的注意事項

個人防護裝備(PPE):供應商清單

希望購買個人防護裝備以確保員工和客戶安全的企業:賓夕法尼亞州社區和經濟發展部已編制了個人防護裝備和用品供應商目錄,“賓夕法尼亞州COVID-19個人防護裝備和用品B2B交換目錄”。
該目錄包括銷售N95口罩,織物和其他口罩,手術口罩,溫度計和洗手液的供應商。

關於交換目錄: 
本目錄中提供的公司和產品信息為尋求各種個人防護裝備和其他相關物品以應對COVID-19危機的賓夕法尼亞州企業和組織提供了方便。公司和產品信息來自the Manufacturing Call to Action Portal或the Pennsylvania Critical Medical Supplies Procurement Portal的門戶網站。
B2B交換目錄的近期目標很簡單:為需要PPE和其他關鍵項目的公司和其他實體提供機會,使其可以選擇與COVID-19相關項目的製造商和供應商進行B2B的連接。
單擊此處查看賓夕法尼亞州COVID-19個人防護設備和用品B2B交換目錄

學習資源

天普大學小型企業發展中心的網絡研討會

5月5日開始,天普大學舉辦8周的網上商業規劃學習班: Bootstrapping Bootcamp

調查問卷及其他

完成費城“ COVID-19對商業影響的調查”

鼓励所有企业完成费城市进行的“ COVID-19对商业影响的调查”。通过这项调查,费城市收集有关冠状病毒对企业的影响的数据,这将帮助他们筹集更多的资金和资源来支持当地的经济。 請完成市政府的簡短調查,了解您的業務如何受到影響。 中文商業調查:費城市政府商業COVID-19影響調查 City of Philadelphia – COVID-19 Business Impact (Chinese中文)

餐飲行業可考慮外賣服務

針對目前的疫情,費城市從3月16日至3月27日下午5點關閉了所有餐廳的就餐選擇。作為餐飲業主,您仍然可以為客戶提供外賣和運送服務,但請注意以下幾點:“在這段時間,食品企業只能接受在線和電話訂購的送達和提貨服務,而不允許提供堂吃服務。”-費城市政府我們鼓勵仍然在運營的食品和雜貨店企業使用ChowBus,Uber Eats,Door Dash等送貨服務。Chowbus在費城華埠設有辦事處,該辦事處已經為華埠的許多企業提供過服務。

關於Chowbus:創立於2016年,Chowbus是一家以亞洲美食為核心,服務於北美的專業送餐平台,主營在線外賣,到店自取,超市配送等業務,致力於把真正的中國美食帶給 每一個用戶。平台上的每個家餐廳,每個道菜品都由Chowbus團隊精挑細選,用科技打造本地生活服務平台,推動亞洲餐飲行業和美食文化。

Chowbus的服務:

  • 外賣:超快配送,無服務費,無最低起送費
  • 自取:手機下單到店自取,方便不排隊
  • 工作日午餐:超值套餐,定點準時送達,只需$ 1運費
  • 堂食:手機點菜結賬一鍵搞定,到店出示,方便快捷

Chowbus的特色: 

  • 精選地道美食,實拍美食照片
  • 獨有多餐廳拼餐模式,不同餐廳一單搞定,無多餘運費
  • 獨家優惠服務,活動不斷折扣不斷
  • 免運費,無服務費,無最低起送費
  • 訂單實時追踪,24小時雙語客服
  • 會員折上折

你要是想了解更多或有興趣跟Chowbus合作,請致電:267-563-0909。

商人基金-TMF如何幫助您的業務?

在超過166年的時間裡,商人基金一直在幫助有需要的小型企業和商人。我們知道您現在比以往任何時候都更需要我們。為了使我們的支持最適合您的需求,我們請您花幾分鐘的時間來完成有關COVID-19如何影響您的業務的簡短調查。
The Merchant’s Fund – COVID-19 調查