Your business through COVID-19.

Below is a summary of support programs and information to help Michigan businesses during the COVID-19 crisis.

Paycheck Protection Program (PPP)

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

American Rescue Plan Act: Provides an additional $7 billion for the Paycheck Protection Program (PPP) and expands eligibility for nonprofits and digital news outlets. 

 
The U.S. Small Business Administration (SBA) will offer PPP loans to businesses with fewer than 20 employees and sole proprietors only from Wednesday, February 24 through Wednesday, March 10, 2021. Learn more
Links

NEW! PPP2 Application Please review the PPP2 application and contact your local bank to see if they are participating in the program and can assist you in applying. 

NEW! COVID-19 Stimulus Package: PPP & EIDL Update With Congress reaching a deal on new COVID-19 stimulus relief, check out this blog post for information and updates on how the new legislation can help your small business.

NEW! PPP2 FAQ There's a lot of information to take in with the new role out of PPP2. Check out our FAQ PPP2 page to see if your questions have already been answered.

PPP Loan Forgiveness Application The U.S. Small Business Administration has released a simplified loan forgiveness application for borrowers who have received Paycheck Protection Program (PPP) loans of $50,000 or less.

Borrowers: Applying for PPP Forgiveness 
Learn how to access and complete the application, what documentation is required, and what you can expect in applying for PPP loan forgiveness.

Lenders: PPP Forgiveness Procedural Notice
A course informing (PPP) borrowers, representatives of borrowers, and those assisting borrowers, of the forgiveness processes that PPP lenders will be using.

Michigan Resource Guide
Learn more about the Michigan Paycheck Protection Programs (MiPPP).

Downloads

American Rescue Plan Act
Summary of the small business relief as a result of the federal COVID-19 stimulus package. 

Forgiveness Spreadsheet
Calculate PPP loan amounts, forgiveness, and disbursement plans.

SBA Fact Sheet
Learn about PPP from the U.S. Small Business Administration (SBA).

SBA Interim Rule
Interim Rules on PPP from the U.S. Small Business Administration (SBA).

Videos

Loan Forgiveness - April
On-Demand Webinar from the Michigan SBDC.

Updated: January 16, 2021

Shuttered Venues Operators Grant & Restaurant Revitalization Fund

Shuttered Venue Operators Grant

The Shuttered Venue Operators Grant (SVOG) program was established by the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act, and amended by the American Rescue Plan Act. The program includes over $16 billion in grants to shuttered venues with $1.25 billion being allocated by the American Rescue Plan Act. Applications are now open. You will need a DUNs Number AND a SAMs Number to apply. Learn more about eligibility and how to apply.

Applicant user guide and FAQ: For help with the application process, refer to the applicant user guide and FAQ.

Checklist: Use the checklist to make sure you have everything you need to complete your application. 

Call Center: For SVOG application portal technical assistance such as a password reset, browser suggestions, or how to use the multi-factor authentication with an app and the QR code, applicants can call 1-800-659-2955 or, for the deaf and hard-of-hearing 1-800-877-8339 and follow the prompts to SVOG assistance. Starting Saturday, April 24, the center will be open 24 hours a day through Monday evening at 8 p.m. EDT. For additional information and to review applicant resources, visit www.sba.gov/svogrant.

Restaurant Revitalization Fund

The Restaurant Revitalization Fund (RRF) was created by the American Rescue Plan Act and will provide $28.6 billion in grants to restaurants and bars in need. These small businesses will be able to apply for grants based on lost revenue. View the application. Learn about eligibility and what the grants can cover. Registration to create an account is now open. Learn more.

RRF Roll out May 3rd: How to prepare
SBA will begin accepting applications via the application portal on Monday, May 3 at 12 p.m. EDT. The application portal will remain open to any eligible establishment until all funds are exhausted.
In preparation, qualifying applicants should familiarize themselves with the application process in advance to ensure a smooth and efficient application. Follow the steps below.

1. Register for an account in advance at restaurants.sba.gov (https://bit.ly/3nxkWyS) starting Friday, April 30 at 9 a.m. EDT. If you are working with Square or Toast, you do not need to register.
2. Review the sample application, updated program guide and cross-program eligibility chart on SBA COVID-19 relief options.
3. Watch this video on how to apply.
4.  For more information, visit sba.gov/restaurants.

Links

RRF Application

Sample SBA application for the Restaurant Revitalization Fund.

SVOG Preliminary Application Checklist

Application checklist to prepare you to apply for the Shuttered Venue Operators Grant application.

SVOG Application User Guide

Guide to the Shuttered Venue Operators Grant application portal.

SVOG FAQ

Review these frequently asked questions about the Shuttered Venue Operators Grant program.

DUNs Number

Before applying for the SVOG, make sure you obtain a DUNs Number, which is used to establish your company's D&B file, which can help potential partners and lenders learn more about your business. Make sure to obtain your DUNs Number before your SAMs Number. 

SAMs Number

A SAMs Number is also required to apply for the Shuttered Venue Operators Grant, and is focused on entities registering for federal financial assistance. Watch how to apply for a SAMs Number

Economic Injury and Disaster Loan (EIDL)

SBA’s Economic Injury Disaster Loan (EIDL) is a low-interest, fixed-rate loan that can provide up to $2 million in assistance for a small business. EIDL funds come directly from the U.S. Treasury. Read more about eligibility, terms, and applications.

American Rescue Plan Act: Adds $15 billion for the Targeted Economic Injury and Disaster Loan (EIDL) Advance program to help the hardest hit small businesses, including those located in low-income communities and those who previously applied for the EIDL Advance grant but did not receive it. 

The U.S. Small Business Administration (SBA) is increasing the maximum amount small businesses and non-profit organizations can borrow through EIDL. Starting the week of April 6, the SBA is raising the loan limit from 6 months of economic injury with a maximum loan amount of $150,000 to up to 24 months of economic injury with a maximum loan amount of $500,000.

Links

American Rescue Plan Act
Summary of the small business relief as a result of the federal COVID-19 stimulus package. 

Targeted EIDL Advance: Frequently Asked Questions

The U.S. Small Business Administration has put together a FAQ to answer common questions regarding the application process, eligibility, program criteria and more. 

Application
Apply for the EIDL through the U.S. Small Business Administration (SBA).

Eligibility
Learn more about assessment and eligability for the EIDL through the U.S. Small Business Administration (SBA).

Updated: August 7, 2020

Michigan UIA During COVID-19

Unemployment support has changed. Below are helpful links and information to help you navigate and understand what to expect. Read more about the changes and how to apply.

Unemployment enrollment is still open. Benefits and enrollment will be affected as the result of new federal COVID-19 stimulus relief. More details to come. 

 

Links

Executive Order
State of Michigan UIA Executive Order.

Application
State of Michigan UIA Application.

State of Michigan Workshare Program
Workshare Program Information

Working While Collecting Unemployment
Can I work and still collect unemployment benefits?

Check On Your Benefits
Log in to check your unemployment benefits using Michigan Web Account Manager (MiWAM).

Next Steps After Applying
Next steps after filling out the PUA application in your MiWAM account.

Videos

Assistance for Those Denied State Benefits
This video from Michigan Unemployment Insurance Agency will assist those who have been denied state benefits to apply for federal benefits.

How to File PUA
This video from Michigan Unemployment Insurance Agency will help you apply for PUA benefits.

Updated: August 7, 2020

Business Planning During COVID-19

Below is a list of resources to help you run a successful business during COVID-19.
Business Planning FAQ

Links

Resources
Resources to help your small business through COVID-19.

Videos

Sustaining Your Restaurant - April
On-Demand Webinar from the Michigan SBDC.

eCommerce During COVID-19
On-Demand Webinar from the Michigan SBDC.

Planning for Your Next Move
On-Demand Webinar from the Michigan SBDC.

Reopening Your Retail Business
On-Demand Webinar from the Michigan SBDC.

What to do Today, Tomorrow, and the Rest of this Week
On-Demand Webinar from the Michigan SBDC.

Reopening Your Business
On-Demand Webinar from the Michigan SBDC.

Navigating the Cash Flow Crunch
On-Demand Webinar from the Michigan SBDC.

Articles

Four Steps to Sustain Your Restaurant
Read about sustaining your restaurant during COVID-19.

Navigating the Cash Flow Crunch
Read the highlights of our latest webinar on navigating the cash flow crunch caused by COVID-19.

Exploring the World of Restaurant POS Systems
Learn about how POS systems can help your restaurant navigate through COVID-19

MIOSHA Employer Resources for Reopening & Ambassador Program

Learn about how to protect your employees and customers as you reopen your business

Updated: August 7, 2020

COVID-19 HR and Safety Information

Resources for keeping up with new cleaning, safety, and HR practices during COVID-19.

Videos

Working Remote
On-Demand Webinar from the Michigan SBDC.

Human Resource Management
On-Demand Webinar from the Michigan SBDC.

Managing Your Freelance Business
On-Demand Webinar from the Michigan SBDC.

Bringing Your Employees Back to Work
On-Demand Webinar from the Michigan SBDC.

Links

Resources
Resources to help your small business through COVID-19.

Downloads

OSHA: Guidance on Preparing Workplaces for COVID-19
Download OSHA: Guidance on Preparing Workplaces for COVID-19

Articles

Employee Leave Programs
Read more about employee leave programs for your small business during COVID-19.

Updated: August 7, 2020

Additional COVID-19 Resources

View our free resources below to assist you and your small business as you continue to navigate through the impacts of COVID-19. 

Get Free Small Business Support

NEW! Michigan SBDC Comeback Kit
Free self-paced course designed for small business owners impacted by COVID-19 to measure the financial viability of their business. 

Links

Guidance for Businesses and Employers to Plan and Respond
The Small Business Administration provides guidance for businesses and employers to plan and respond to COVID-19. 

Resources for Michigan Businesses
Resources for businesses during COVID-19 from the Michigan Economic Development Corporation.

Summary of Relief Resources
Compare the federal relief programs available to small businesses.

Small Business Relief Program
Michigan Launches Small Business Relief Program.

Updated: January 8, 2021
Need more help? Get in touch with your local center.






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