SBA Provides Simplified Process for PPP Forgiveness for Loans $50,000 or Less The U.S. Small Business Administration released a simplified loan forgiveness application for Paycheck Protection Program (PPP) loans of $50,000 or less. This action streamlines the PPP forgiveness process to provide financial and administrative relief to the more than 100,000 small businesses here in Michigan that have received PPP loans to date. Borrowers with loans of $50,000 or less are also now exempt from reductions in loan forgiveness amounts based on reductions in full-time equivalent (FTE) employees or in salaries or wages. Information on new instructions for PPP borrowers of $50,000 or less can be found here, with the new, simpler form for PPP forgiveness available here.
Michigan Department of Health & Human Services COVID-19 Epidemic Order https://www.michigan.gov/documents/coronavirus/Epidemic_Order_1-page_Oct._9_FINAL_704765_7.pdf
Supreme Court Denies Whitmer’s Request to Extend Pandemic Related Executive Orders https://www.michamber.com/news/supreme-court-denies-whitmers-request-to-extend-pandemic-related-eos/?_zs=IRbOb1&_zl=cxKA7
State Issues Additional Order Related to Masks, Gatherings, Occupancyhttps://www.michamber.com/news/state-issues-additional-order-related-to-masks-gatherings-occupancy/?_zs=IRbOb1&_zl=dxKA7
Michigan Supreme Court issued a decision late Friday finding Governor Whitmer lacks the power to issue executive orders in response to the COVID-19 without consent from the Legislature.
At this point, there are more questions than answers as it relates to the Supreme Court’s decision. Although the Attorney General announced Sunday that she will not enforce any of the Governor’s COVID-19 Executive Orders, this doesn't mean all COVID-19 related rules and regulations will remain null and void. We expect this to be sorted through in the coming days and weeks as the Legislature and Governor begin negotiating statutory changes and the Governor pursues different paths for reissuing some of these orders through different channels (e.g., administrative rules and regulations). Read More
Michigan Chamber Pre-recorded Webinar: "Paycheck Protection Program Loan Forgiveness" https://webinars.michamber.com/products/paycheck-protection-program-loan-forgiveness?_zs=IRbOb1&_zl=9hQ97
Small Business Association of Michigan Guide: "The Small Business Owner's Guide to Remote Work" https://sbam-impexium.informz.net/sbam-Impexium/data/images/Small%20Business%20Owner's%20Guide%20to%20Remote%20Work.pdf
Michigan.gov Futures for Frontliners Free Tuition Program for Essential Workers https://www.michigan.gov/frontliners/
On behalf of the National LISC office, we are excited to announce that Round 5 of the LISC Small Business Relief Grants is now open! These grants are for small businesses facing immediate financial pressure because of COVID-19.
Michigan Small Business Restart Program
In response to the economic impact of COVID-19, the State of Michigan has allocated $100 million of CARES Act funding to implement the Michigan Small Business Restart Program to support the needs of Michigan Businesses directly impacted by COVID-19.
EXECUTIVE ORDER 2020-147: Requires Any Business Open to the Public to Refuse Entry or Service to People Not Wearing a Face Covering
This order reiterates that individuals are required to wear a face covering whenever they are in an indoor public space. It also requires the use of face coverings in crowded outdoor spaces. Most significantly, the order requires any business that is open to the public to refuse entry or service to people who refuse to wear a face covering. No shirts, no shoes, no mask—no service. Download PDF sign.
EXECUTIVE ORDER 2020-145: Safeguards to protect Michigan's workers from COVID-19
Safeguards to protect Michigan’s workers from COVID-19 - Rescission of Executive Order 2020-114
EXECUTIVE ORDER No. 2020-143
Food service establishments, as defined in section 1107(t) of the Michigan Food Law, 2000 PA 92, as amended, MCL 289.1107(t), that hold on-premises retailer licenses to sell alcoholic beverages must close for indoor service if they earn more than 70% of their gross receipts from sales of alcoholic beverages.
EXECUTIVE ORDER - No. 2020-127
Declaration of state of emergency and state of disaster related to the COVID-19 pandemic continues through July 16, 2020 at 11:59 pm
Small Business Administration Announces New Application Deadline for Paycheck Protection Program
If you missed the initial round of PPP funding, there is still an opportunity for your business. The new deadline to apply for a Paycheck Protection Program loan is August 8, 2020. Details regarding the loan are included below and additional information can be found (here).
$15 Million in Agricultural Safety Grants Provide Critical Relief to Michigan’s Farms and Food Processors
In response to the economic impact of COVID-19, the State of Michigan has appropriated $15 million of federal CARES Act funding through PA 123 to implement the Michigan Agricultural Safety Grant Program. These grants will provide critical funding to Michigan’s agricultural processors and farms to mitigate risks of the COVID-19 virus across the state’s food production industry. A total of $10 million in grants will be available to processors statewide, with $5 million going to farms statewide. Applications will go live beginning July 15, 2020 with funding awarded on a first come, first serve basis to eligible applicants.
Resuming Business Toolkit
The Resuming Business Toolkit is designed to assist employers in slowing the spread of COVID-19  and lowering the impact in their workplace when reintegrating employees into non-healthcare business settings. Not sure whether you’re ready to resume business? Use CDC’s decision tools [2-3] as a start.
Paycheck Protection Flexibility Act
On June 3, the Senate passed the House version of the Paycheck Protection Flexibility Act, which will:
Give businesses 24 weeks to spend their PPP loan proceeds instead of 8 weeks.
Require that only 60% of proceeds be spent on payroll expenses, versus the previous 75% constraint.
Extend the deadline that businesses must rehire workers, from June 30 to December 31.
Provide a loan repayment term of five years instead of two years for any loan dollars not forgiven.
Allow borrowers to defer the employer share of Social Security taxes (6.2%), regardless of whether the borrower receives forgiveness or not. 50% of deferred Social Security tax would be due in 2021, with the other 50% due in 2022.
Congress Agrees On Favorable Changes To Paycheck Protection Loans: What Does It Mean For Borrowers?
The Senate unanimously approved H.R. 7010, a bill that will dramatically alter several critical terms of the recently-enacted Paycheck Protection Program (PPP). The bill, which passed the House last week and now heads to the President’s desk for signature, will provide much needed relief for borrowers as they seek forgiveness of their loan amounts.
Solicitation of Services
The Michigan SBDC, through U.S. SBA CARES Act funding, is requesting proposals from service providers to perform activities to address the needs of small businesses impacted by COVID-19
Four Steps to Sustain Your Restaurant During COVID-19
Right now, there are relief programs being launched daily to help small businesses like yours recover from the pandemic disaster. Explore the options, but do not make any reactive decisions. Take some time to assess your situation and try to find the best course of action.
Executive Order 2020-110: Under this order, retailers will be allowed to resume operations on June 4. Restaurants and bars may reopen fully on June 8.
Swimming pools and day camps for kids will also be permitted to reopen on the same day. Those businesses and activities will be subject to safety guidance to mitigate the risk of infection. Other businesses and activities that necessarily involve close contact and shared surfaces, including gyms, hair salons, indoor theaters, tattoo parlors, casinos, and similar establishments, will remain closed for the time being.
New online dashboard provides COVID-19 risk and trend data, helps inform MI Safe Start plan
A new, online dashboard launched today that visually illustrates COVID-19 risks and trends in Michigan, providing residents with important information about the pandemic status where they live and work.
Statewide Platform to Connect Michigan Employers with PPE Producers, Suppliers as Non-essential Businesses Begin to Re-open
With efforts to re-engage Michigan’s economy underway through recent executive orders signed by Governor Gretchen Whitmer, the Pure Michigan Business Connect program through the Michigan Economic Development Corporation has developed a portal specifically designed to support the personal protective equipment (PPE) needs of Michigan businesses as they start the process of re-opening.
COVID-19 Workplace Checklist
Van Buren and Cass County businesses and entities may need this guidance to reopen or expand current services. Under the recent guidance, Van Buren/Cass District Health Department strongly encourages these businesses and entities to take the following actions to ensure the safety of employees and customers. This guidance covers universal screening, social distancing practices, and what to do if an employee tests positive. This is basic guidance. The Governor’s Office along with the Michigan Economic Recovery Council (MERC) may provide additional, more detailed and industry-specific guidance on reopening.
Guidance For Businesses Reopening
As the curve continues to flatten and many businesses reopen their doors, the Michigan Occupational Safety and Health Administration (MIOSHA) within the Dept. of Labor and Economic Opportunity (LEO) issued workplace guidelines for employers and employees and created a new hotline, 855-SAFEC19 (855-723-3219), to answer guideline questions and further protect Michigan’s workforce from the spread of COVID-19.
MI Safe Start Plan
Outlines how we will begin to re-engage while continuing to keep our communities safe. Re-engagement will happen in phases. Those businesses that are necessary to protect and sustain life are already open. As we move into lower-risk phases, additional business categories will re-open and the restrictions on public gatherings and social interactions will ease.
Expanded Work Share Program Helps Employers Bring Back Workers from Unemployment and Restart Their Operations
As Michigan businesses begin to reopen, employers are urged to utilize the State’s Work Share program which helps employers experiencing economic pain due to COVID-19 retain their workforce and bring back employees from lay-off as they restart their businesses.
SBA to Make Economic Injury Disaster Loans Available to U.S. Agricultural Businesses Impacted by COVID-19 Pandemic
U.S. Small Business Administration Administrator Jovita Carranza announced today that agricultural businesses are now eligible for SBA’s Economic Injury Disaster Loan (EIDL) and EIDL Advance programs. SBA’s EIDL portal will reopen today as a result of funding authorized by Congress through the Paycheck Protection Program and Healthcare Enhancement Act. The legislation, signed into law by the President one week ago, provided additional funding for farmers and ranchers and certain other agricultural businesses affected by the Coronavirus (COVID-19) pandemic
MIOSHA: MIWISH Grants Available for Small Employers
The MIOSHA Workplace Improvement to Safety and Health (MIWISH) Grant Program awards qualifying employers a dollar-for-dollar match – up to $5,000 – to purchase safety and health-related equipment and equipment-related training. The goal of the program is to create a safer and healthier work environment and reduce the risk of injury and illness to workers in Michigan. Complete the MIWISH application at michigan.gov/mioshagrants. If you have any questions regarding the MIWISH grant or application, please contact (517) 284-7811 or Email: BirsenS@michigan.gov.
Express Bridge Loan Pilot Program Guide
This pilot program allows SBA Express Lenders authority to deliver expedited SBA-guaranteed financing on an emergency basis for disaster-related purposes to eligible small businesses, while the small businesses apply for and await long-term financing.
Additional Relief for Specialty Crop Growers
A group of 108 bipartisan lawmakers sent a letter to Secretary Sonny Perdue—requesting assistance. They asked for funding to develop and execute a recovery and relief plan for specialty crop growers. Washington is signaling that USDA will be issuing regulations on the CARES Act to specialty crop growers next week. Approximately $1.5 billion of the $2 trillion bill will go to specialty crop producers.
Grants to Manufacturers Looking to Retool and Produce Critical Health and Human Service Supplies
PMBC COVID-19 Emergency Access and Retooling Grants program will provide a total of $1 million in grants to Michigan small businesses and nonprofits. Immediate funding up to $150,000 will be awarded to qualified manufacturers looking to produce supplies needed in response to COVID-19. If you are producing PPE and want to be listed as a vendor, click here.
SCORE Remote Mentoring is Available
Due to the coronavirus outbreak, SCORE mentors will meet with clients remotely. Mentors are available to participate in remote mentoring sessions via phone, email, and video. If you already have a SCORE mentor, ask them if you can use a remote mentoring method for your sessions.
Free, Confidential Business Advice from Michigan SBDC
Access small business consulting, training and market research at no-cost through the Michigan SBDC. To get started, please select your county from the list below and follow the prompts to complete the online request for business services.
PMBC Virtual Procurement Assistance
PMBC is offering a free, online procurement and donation platform to assist suppliers of critical health and human services across a broad range of categories, including local municipalities, in accessing supplies and products as they respond to the COVID-19 outbreak.
There is currently a mandatory update to federal posters in response to the Families First Coronavirus Response Act. During the stay at home order, employers should post it in an intranet or email it to all employees. Once the order is lifted it must be posted through December 31.
The Michigan Chamber continues to update its toolkit with resources for chamber members.