COVID-19 Business Resources
Our community is united. The Gilbert Chamber continues to serve as the advocate for local businesses and a champion for a stronger Gilbert. Please reach out to share your input and ideas as we work to serve you and other businesses in our community.
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Local Updates: Navigating Economic Disruption Together
- Teleconference (Summary): A conversation with Mayor Jenn Daniels (April 1, 2020)
- Teleconference (Recorded): A conversation with Mayor Jenn Daniels (March 25, 2020) Meeting begins at 4:00 minute mark Password: Gilbert100 or review the Teleconference Summary
- CEO Activity Update: March 25, 2020
- CEO Activity Update: March 20, 2020
- Teleconference (Summary): A conversation with Mayor Jenn Daniels (March 19,2020)
Social Media Groups & Marketing
- Recording and Resource Links: Strong Marketing Strategies to Navigate Through Economic Disruption
- How Media Partners are Working with Local Businesses to Get the Word Out
- Help customers find your services as we practice social distancing! Gilbert Town Hall has provided a business portal.
- COVID-19 Business Resource Page (Facebook): This group allows businesses to access and share resources as we support one another through the COVID-19 outbreak.
- Gilbert Area Take-Out and Delivery Options (Facebook): Join this group to view the menus and take-out/delivery options provided by our Gilbert area restaurants and caterers.
- Gilbert Area Non-Profit Response Page (Facebook): Join this group to learn about the opportunities for outreach, volunteerism, and support of our Non-Profit community partners. You may also find ways to help by clicking here and selecting the 'Help Local Businesses and Nonprofits' tab.
- Temporary Employment Board (Facebook): Businesses with open positions may post employment opportunities on this Board to provide temporary work for employees displaced as a result of COVID-19.
Partner Agency Information
Funding and Loan Assistance
Local Banking Resources
- COVID-19 Response and Support by Local Financial Institutions
- Listing of banking and financial Chamber members
Non-SBA Funding Assistance
- Google announced it is providing over $800 million in grant money to help support the SMB community nationwide in response to COVID-19. Rocket Media is here to help companies secure these Google Grants as quickly as possible to ensure their operations stay up and running during this time.
- Business Development Finance Corporation: BDFC is one of three Certified Development Companies in Arizona. They are providing a loan option for up to $25,000 that is separate from the direct SBA disaster loan program.
- Multi-State and state-specific programs providing financial assistance to small businesses
Small Business Administration (SBA)
- Coronavirus (COVID-19) Small Business Guidance & Loan Resources
- Guide to Emergency Payroll Protection Loan (CARES Act)
- Guide to SBA Disaster Assistance Loan
- Emergency Loans Guide and Checklist
- Economic Injury Disaster Loan (Coronavirus Preparedness and Response Supplemental Appropriations Act): These loans may be used by small businesses to pay fixed debts, payroll, accounts payable and additional bills that can’t be paid because of COVID-19’s impact.
- The interest rate is 3.75% for small businesses without other available means of credit.
- The interest rate for non-profits is 2.75%. Businesses with credit available elsewhere are not eligible.
- The SBA loans come with long-term repayments, up to a maximum of 30 years, in an effort to keep payments affordable. Loan terms are determined on a case-by-case basis, according to individual borrower’s ability to repay.
- An advance of $10,000 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 for a COVID-19 Economic Injury Disaster Loan, click here or view more details here: SBA PowerPoint Presentation
- Payroll Protection Program (Coronavirus Preparedness and Response Supplemental Appropriations - CARES - Act): Small businesses with 500 or fewer employees—including nonprofits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors— are eligible. Businesses with more than 500 employees are eligible in certain industries. Under this program:
- Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.
- Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.
- 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.
- You can apply through any 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. You should consult with your local lender as to whether it is participating. All loans will have the same terms regardless of lender or borrower. A list of participating lenders as well as additional information and full terms can be found at HERE.
- Payroll Protection Program Borrower Information Sheet
- Payroll Protection Program Application
- Payroll Protection Program FAQ's
- Payroll Protection Program FAQ's as of 4/6/2020
- If you are a lender, more information can be found HERE
- The SBA Debt Relief program will provide a reprieve to small businesses as they overcome the challenges created by this health crisis. Under this program:
- The SBA will also pay the principal and interest of new 7(a) loans issued prior to September 27, 2020.
- The SBA will pay the principal and interest of current 7(a) loans for a period of six months.
- Express Bridge Loan Pilot Program 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.
- Up to $25,000
- Fast turnaround
- Will be repaid in full or in part by proceeds from the EIDL loan
- Click here for a list of qualified SBA lenders in Arizona
Internal Revenue Services (IRS)
- The Treasury Department and the Internal Revenue Service today launched the Employee Retention Credit, designed to encourage businesses to keep employees on their payroll. The refundable tax credit is 50% of up to $10,000 in wages paid by an eligible employer whose business has been financially impacted by COVID-19. View the GUIDE here.
- IRS unveils new People First Initiative; COVID-19 effort temporarily adjusts, suspends key compliance programs
- Treasury and IRS Issue Guidance on Deferring Tax Payments Due to COVID-19 Outbreak
Resources and References
Office of Governor Ducey
- Arizona Together COVID-19 Resource Page
- Executive Order Halting Evictions For Small Businesses And Nonprofits
- 90-Day Fee Relief For Restaurants, Bars Impacted By COVID-19
- Stay at Home, Stay Healthy, Stay Connected (March 30)
- Governor Ducey's Exectuive Order: List of Essential Services
- View all Executive Orders
Families First Coronavirus Response Act
Emergency Sick Leave/Medical Leave
- FACT SHEET for Employees
- FACT SHEET for Employers
- FFCRA FAQ's
- Guidance Explaining Paid Sick Leave and Expanded Family and Medical Leave Under the Families First Coronavirus Response Act
- H.R. 6201 Relief Legislation Bill passed on March 18, 2020 (posted March 20 via QUESTCO)
East Valley Chambers of Commerce Alliance (EVCCA)
- EVCCA COVID-19 Business Impact Report, published April 7
- Responds to CARES Act with Recommendations from U.S. Chamber, Institute for Local Self Reliance
- EVCCA COVID-19 Business Impact Report, published March 23
U.S. Chamber of Commerce
- OSHA Guidance on Preparing Workplaces for COVID-19
- What Are Companies' Legal Obligations Around Coronavirus?
- Print and Post:
The President's Coronavirus Guidelines for America
Workplace Tips for Employees
Education and Community Needs
- Gilbert Public Schools
- Higley Unified School District
- Chandler Unified School District
- Emergency Food Boxes
- Gilbert Area Non-Profit Response Page (Facebook): Join this group to learn about the opportunities for outreach, volunteerism, and support of our Non-Profit community partners.
- You may also find ways to help by clicking here and selecting the 'Help Local Businesses and Nonprofits' tab.
- Arizona State University - ASU for You is an approach to education that supports Universal Learners® with resources from a national research university recognizing that to meet the needs of a rapidly changing, technology-driven world, people will need to access education and learning platforms throughout their lives. The program is designed for people of all ages and at all stages of their educational, career or lifelong learning journey — wherever in the world they may be.
- The Gilbert Police Department offers Patrol Watch for residents and businesses when occupants will be absent for a period of time (vacations, closures, etc.). If you plan to temporarily close your business, consider submitting a Request for Patrol.
- Message from APS: "While most of the answers will come from the public health experts, we at APS can remove one bit of uncertainty: if you are having difficulty paying your energy bill during this time, we will not shut off power for non-payment, and we are waiving late fees as well."
- Message from SRP: "SRP management has decided to temporarily halt disconnections of all customers and waive late fees during the COVID-19 pandemic."