由于一场影响全球的前所未有的大流行，许多美国企业被迫关闭. Thankfully, the government, communities, and even private businesses have stepped up to aid in these times of struggle. In order to qualify for the majority of these small business resources, 您需要确保您的联邦文件是最新的，以确保不仅在申请批准时符合要求，而且在项目结束后也符合要求. Toptal’s turnaround consultants can help navigate these unfamiliar waters if needed.

As a contract CFO for many small businesses and budding entrepreneurs, I have seen many challenges through industry and customer changes, technology threats, and government interventions, all of which threaten the future of my clients’ businesses. Each one can be managed through planning, strategy, 对现金流有很好的把握，以管理或调整业务，并对“最坏情况”有深刻的理解.

Key planning thoughts for small business relief aids:

• These programs are limited in amounts of available capital, so the sooner you can start applications the better.
• 利用你信任和了解的现有银行关系来申请政府项目. 有许多欺诈性的第三方提供快速通道，没有任何更好的机会，可能会收取费用或其他方式提供支持.
• Continue to drive your business forward through these hard times. 利用这段额外的时间来改进你的运营策略和社交媒体项目, find ways to save capital and overhead in your existing operations, and look for new revenue opportunities.
• Ensure your record-keeping is up to date. Have your accountant update bank reconciliations and interim financial statements, and ensure that your annual financials are completed.
• 考虑为这些资金设立一个单独的银行账户，并详细记录你从这些贷款和便利中产生的支出. 使用银行账户来支付这些账单，并仔细跟踪它们，以便将来进行审计和审查.

Many of these funding programs appear to be straightforward or even easy, however, the majority are quite to the contrary. 以下是对主要联邦政府项目的概述，以及如何驾驭这些项目的建议.

US Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”):

• Details:
  • Paycheck protection program providing loan forgiveness for retaining employees
  • 如果员工在工资单上保持8周并且至少75%的金额已用于工资单，则该贷款将被100%免除.
  • Two-year maturity loan and interest rate of 1% if not forgiven
• Eligibility:
  • 任何雇员少于500人的小企业、非营利组织和资深组织
• How to apply?
  • Apply using the PDF here.
  • Complete and bring to your commercial banking manager.

Economic Injury Disaster Loans (EIDL)

• Details:
  • Loan advances of up to $10,000 are available immediately.
  • This loan is not repayable.
  • 你可以申请这个，即使你不会被批准，你也会得到这个.
• Eligibility:
  • 任何雇员少于500人的小企业、非营利组织和资深组织
  • 独资企业，无论是否有雇员，以及独立承包商都要遵守.
• How to apply?
  • Apply here.

Express Bridge Loans

• Details:
  • 目前与小企业管理局快递公司有业务关系的公司可以获得最高25美元的贷款,000 quickly.
  • 非常快速的周转，以帮助弥合批准EIDL之前的时间
  • Can be repaid using the EIDL.
  • Rates are dependent on the bank but may be as high as Prime +6.5% maximum.
• Eligibility:
  • 必须被证明是支持小企业生存或重新开业所必需的.
  • 需要个人信用和小企业服务评分(SBSS)超过130批准.
• How to apply?
  • Reach out to your SBA Express lender and they will provide paperwork to apply.
  • This map can help you find an SBA lender.

Stimulus Checks

• Details:
  • The IRS is extending your filing deadline for taxes to July 15, 2020, and they are reviewing your 2018 and 2019 income tax filings.
  • 您有资格获得最高1200美元的支票，该支票将根据您的收入发放并寄给您.
• Eligibility:
  • If you earn less than $112,500 as the head of household, you get $1,200; after $112,500, they reduce the capita by $5 for every $100 in income. So, if you earn over $146,500, you don’t get a check.
• How to apply?
  • You need to have filed your 2018 or 2019 income tax returns.
  • After that, it’s automatic.
  • You can learn more here.

Unemployment Program Enhancement

• Details:
  • 失业计划已经从普通的“近期失业者”扩大到包括承包商, freelancers, and self-employed individuals.
  • 它还将最初的福利选择延长到13周，并在四个月的常规州失业救济金基础上，每周额外增加600美元.
• Eligibility:
  • 它通常适用于任何现在失去赚钱能力的人, but self-employed individuals aren’t all qualified here, it’s on a case-by-case basis.
• How to apply?
  • Apply through this portal.

Private Lending and Other Offerings for Small Businesses

• 谷歌将为中小企业提供3.4亿美元的广告优惠，帮助他们与客户保持联系. Apply here.
• Vogue and CFDA are repurposing the Vogue/CFDA Fashion Fund to create A Common Thread这是一个为受COVID-19大流行影响的美国时尚界人士提供支持的筹款活动. Apply here.
• Facebook宣布向小型企业提供1亿美元的现金补助和广告积分. More information about eligibility is to be announced, but it will be available to 30,000 businesses in more than 30 countries where Facebook currently operates. Read more here and apply here.
• Opportunity Fund, which specializes in money-lending to small businesses owned by women, immigrants, and people of color, is soon launching a coronavirus relief fund. It will provide grants and low-interest rate loans to business owners. Read about it here and stay tuned for more information.
• 詹姆斯·比尔德基金会通过他们的食品和饮料行业救济基金向有需要的独立食品和饮料小企业提供小额赠款. Read more here and apply here.
• Yelp宣布了一项2500万美元的救济基金，主要用于支持当地的独立餐馆和夜生活企业，其形式是免除广告费和免费广告, products, and services. Read more here.
• Hello Alice‘s Business for All offers up to $50,从格温妮丝·帕特洛和丽贝卡·明科夫等有影响力的领袖那里获得了5000美元的商业资助和指导. Read more here and apply here.
• 摩根大通承诺提供800万美元帮助美国、中国和欧洲的小企业. Read more here.
• The Soze Agency, TaskForce, 和“看不见的手”创建了一个基金，以支持受COVID-19影响的艺术家和活动人士. They will provide $250 to selected applicants on an ongoing basis, and at the moment, they have $30,500 for the first round of grants. Read more and apply here.
• Bumble为受COVID-19影响的小企业提供高达5000美元的资金支持. Download the @bumble 应用程序，并使用任何模式来匹配他们的Bumble社区赠款档案，以了解更多和申请. You can also read more and apply here.
• Lowe’s is committing $3 million to supporting local small businesses, particularly skilled trade professionals, to continue to operate through the current conditions. Read more here.
• Beyond its normal fundraising offerings, crowdfunding platform Mainvest has launched a $2,000, zero-interest, 120-day loan for restaurants or other brick-and-mortars affected by COVID-19. Read more here.
• Register your business to Kabbage and Help Main Street! 使客户能够轻松购买礼品卡，在COVID-19危机期间提供关键的现金支持.
• 犹太免费贷款协会正在为洛杉矶地区受冠状病毒爆发影响的企业提供免费和无息贷款. Read more here and apply here.

Engaging with specialists 谁可以通过帮助程序导航，以帮助减少整体复杂性和安全 navigate your business through these difficult times. The support programs are here to ensure your business can survive, and utilizing them to their maximum potential is key to your success.