SeeCOVID-19 RESOURCES

The Perry Hall White Marsh Business Association has compiled the following resources to try and help small businesses in our area cope with the effects of the COVID-19 crisis.  This page will be updated as new resources become available.

Last updated: 1-12-21

PPP 2.0 and Latest EIDL Loan information.

Even if you applied for and/or received previous funding, you may be eligible for additional funding through the new programs. PPP 2.0 and EIDL Grants & Loans are available to 1099 contractors as well as Self-Employed people.

The most notable of the Eligibility Requirements are that you have to show a 30% decrease in sales/gross income from any quarter (after March 1 2020) from the previous year.  Income statements for comparison are required for the same period/quarter in 2019.  

There are also significant changes to the uses of PPP and the calculations of expenses/payroll.  It is still 2.5x for general businesses, but allows for a 3.5x calculation for the restaurant and hospitality industries.   See the photos below that outlines the new program.

PPP applications require no credit check.  EIDL applications require a FICO score of 570 or above. 

If you plan on applying for previous PPP Forgiveness, it is recommended that you wait until about Jan 20th, as a new streamlined form will then be available for loans of 150,000 or less.  

EIDL INFO: https://www.sba.gov/funding-programs/disaster-assistance/economic-injury-disaster-loans

PPP 2.0 INFO: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program

See entire Powerpoint Presentation from Marylandsbdc.org HERE

CURRENT USEFUL LINKS:

COVID-19 BUSINESS SURVIVAL GUIDE 
https://docs.google.com/document/d/1EAS90feseZIOXDzVbNJ1wgqkNjcNpQJzGRTAy1mUjFc/edit#heading=h.6r5vhbvvzgjz

POST COVID-19 SMALL BUSINESS RECOVERY
& SUSTAINABILITY GUIDE
https://docs.google.com/document/d/1U_iU9sZgws8j1nJzB-wVWSBscXpVpFUAzSPjwJiz5YI/edit

PAYCHECK PROTECTION PROGRAM FIRST DRAW LOANS 
https://www.sba.gov/document/support-top-line-overview-first-draw-ppp
 https://www.sba.gov/sites/default/files/2021-01/Top-line%20Overview%20of%20First%20Draw%20PPP%20%281.8.2021%29-508.pdf

FAQ EIDL:
https://www.sba.gov/sites/default/files/2020-11/COVID%20EIDL%20FAQ%20rev%20112320-508.pdf
Economic Injury Disaster Loans
https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/economic-injury-disaster-loans
EIDL application portalhttps://covid19relief.sba.gov/#/

CDFIs finance community businesses, including small businesses, microenterprises, nonprofit organizations, commercial real estate, and affordable housing.
https://ofn.org/cdfi-locator 

Department of Labor:
http://www.labor.maryland.gov/  Janice Walker-Emeogo Small Business State Outreach DirectorOffice of Small Business Regulatory Assistancejanice.walker1@maryland.gov

The department will send an email directly to all claimants with instructions as soon as they may file for benefits from the extended and additional programs. For more information, please visit MDunemployment.com. 

 

• Babel Notice.pdf

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NOTTINGHAM, MD—Drive-up COVID-19 testing is now available by appointment in Perry Hall. http://www.nottinghammd.com/

Patient First now provides drive-up COVID-19 testing at its locations along Belair Road in Perry Hall and on Crain Highway in Waldorf.  Testing is by appointment only.

All Patient First locations, including the designated testing centers, remain open on a walk-in basis from 8 a.m. to 10 p.m., every day, for patients who have an urgent need for medical or injury care.

Appointments are made by calling a designated testing center. Patients are asked about symptoms and risk factors to determine whether they meet screening criteria based on guidance from the Centers for Disease Control (CDC). In order to be tested, a patient must either have one or more symptoms of COVID-19 (fever, cough, shortness of breath, sore throat) or be a healthcare worker or first responder.

Testing is scheduled between 9 a.m. to 1 p.m. and 2 p.m. to 6 p.m., seven days a week.

All test samples are collected outside of the center; patients may remain in their vehicles through the entire process. The staff member collecting samples is equipped with proper Personal Protective Equipment (PPE), including an N95 mask, gloves, eye protection, and gown.

Samples are sent to a third-party reference lab for testing. Results will generally be available in about 2-4 days. A Patient First nurse will call each patient once results are available, to share results, provide guidance, and answer questions.

For insured patients, there is no out-of-pocket expense for COVID-19 testing. The visit will be submitted to patients’ insurance. Patient First accepts all major insurance plans, including Medicare and Medicaid. For self-pay patients, the cost is $90 plus a separate bill from the lab.

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Message from DLLR- Maryland:  4-27-20:

Subject: IMPORTANT - Update from the Maryland Department of Labor's Division of Unemployment Insurance

The Maryland Department of Labor’s Division of Unemployment Insurance sincerely apologizes for the difficulties surrounding applications for unemployment insurance benefits. The launch of the new online BEACON One-Stop application was intended to offer Marylanders the opportunity to quickly and easily file all types of claims and weekly certifications entirely online 24/7. The launch of the site has clearly fallen short. 

We share your frustration, and are committed to ensuring the site is fully functional and operating without capacity delays as quickly as possible. We understand the dire financial situation that many of our Maryland families, friends and neighbors are facing during the COVID-19 pandemic. We do not take this responsibility lightly. 

In order to implement the federal Coronavirus Aid, Relief, and Economic Security Act (CARES Act) programs in a timely manner, we recently partnered with Sagitec, an outside benefits administration program vendor. If we had attempted to program our older system to accept applications for the CARES Act, it would have taken weeks, if not months. This was not an option. We want to make sure that all eligible Marylanders receive the benefits they need and deserve as soon as possible. 

We were hopeful that our partnership with the vendor would provide rapid solutions. Instead, it has caused a series of challenges for applicants. The vendor’s platform could not sustain the volume of visitors to the site. This was not acceptable, and we are taking immediate actions to fix these problems. 

As a result, we will be taking the application down nightly between the hours of 1:00 a.m. - 3:00 a.m. until the problem is fixed to perform maintenance and resolve any ongoing technical issues. While the website will be unavailable to customers during those early morning hours, this time was selected to impact the fewest number of claimants possible. 

In order to prevent the overload of the system that users have experienced, we have introduced a virtual waiting line. By entering this system, you will be able to see how many individuals are waiting for site access, receive an estimated wait time that is constantly updated, and sign-up to receive an email when the system is ready for you to access the platform. This will provide more certainty about when you will receive assistance, but, more importantly, it will help ensure the capacity problems the platform experienced in the past do not reoccur. 

We anticipate that, despite the waiting time, the process of filing your claim and certifications will proceed more smoothly because of the limitation on the number of people able to file at a given time. 

We are also implementing a new gating system to increase the number of customers who are able to complete their filings with minimal hassle and frustration: 

• On Sundays and Mondays, ONLY our customers who are filing weekly claim certifications will be able to file, in order to ensure that Marylanders can receive their payments timely and when needed. If you are unable to file your weekly claim certification on Sunday or Monday, you are not restricted from filing it on any other day. 
• On Tuesdays through Saturdays, our customers can file new claims as well as complete all other activities. 

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SBA application: https://www.sba.gov/funding-programs/disaster-assistance

Latest Executive Order from the Governor's office  3-30-20 READ DETAILS HERE

Email the Governor: governor.mail@maryland.gov

Email the Secretary of Commerce for Maryland: Secretary.Commerce@Maryland.gov 

As of April 7th, Maryland Commerce Department is no longer accepting applications for the State's Emergency Relief Grant or Loan Program. 

FEDERAL:

The Centers for Disease Control's (CDC) Coronavirus Disease 2019 (Website)

The President's Coronavirus Guidelines for America (PDF)

U.S. Small Business Administration (SBA) - Apply for SBA Disaster Loan (Website)

U.S. Department of Labor's Guidance for Preparing Workplaces for COVID-19 (PDF)

CDC's Interim Guidance for Businesses and Employers (Website)

Internal Revenue Service - Coronavirus Tax Relief (Website)  New Tax Relief info released 3-22-20:

"Small and midsize employers can claim two new refundable payroll tax credits to reimburse them, dollar-for-dollar, for the cost of providing employee leave related to the COVID-19 outbreak. See #IRS info at: www.irs.gov/coronavirus

Businesses with less than 500 employees can get funds to provide employees with paid leave, either for the employee’s own health needs or to care for family members. More on this and other #IRS info related to COVID-19 outbreak at: www.irs.gov/coronavirus

To take immediate advantage of new paid leave credits, businesses can retain and access funds that they would otherwise pay to #the IRS in payroll taxes. Learn more about this and other #IRS info related to COVID-19 outbreak at: www.irs.gov/coronavirus

STATE:

3-23-20- Governor's Press Release on Non-Essential Business Closures

Coronavirus in Maryland (Website)

Maryland COVID-19 Information for Business (Website) -- page includes lots of links to other resources

Maryland Insurance Administration Advisory on Business Interruption Insurance (News Release)

Maryland Emergency Management Agency's (MEMA) ​Virtual Business Operations Center for Private Sector Integration Program Members (Website)

Maryland Department of Labor - How to Apply for Unemployment Insurance (Website)

Comptroller of Maryland - tax deadline extended to July 15, 2020 (Website)

Additional info in the next section

COUNTY:

Baltimore County's COVID-19 Updates and Guidance (Website)

Baltimore County - Information for Businesses (Website)

GENERAL BUSINESS RESOURCES:

Work On Your Business When You Can't Work In Your Business (PDF)