Nonprofits are critical players in communities responding to the COVID-19 public health emergency, and the related affects of major disruptions to daily life. Bookmark this page for up-to-date information for nonprofits to address all aspects of the crisis on their own organizations, staff and volunteers, meeting the needs of their communities, and adapting day to day. 

Up-to-date as of May 13th, 2020

We take a stand against all forms of hate, racism and xenophobia. Nonprofits have an important role to play in keeping communities free of hatred and violence, and ourselves making equitable decisions in this time of crisis.  COVID-19 is a global pandemic, the likes of which we have never seen.  It is therefore incumbent upon all of us to stand together as a community of neighbors, colleagues, practitioners and leaders. This time calls upon all of us – our members, friends and partners – to be generous, safe and kind. 

Equity Resources and Perspectives in Relation to COVID-19
  • ProPublica: Early Data Shows African Americans Have Contracted and Died of Coronavirus at an Alarming Rate
  • The Justice Collective: Coronavirus and Racial + Social Equity: Centering Justice During Times of Uncertainty and Four Things You Can do Right Now 
  • The Inclusion Solution: Striving for Health Equity and Inclusion During a Pandemic 
  • FSG: COVID-19 and Corporate Purpose—Four Ways Businesses Can Respond Now 
  • Nonprofit AF:  A few things for nonprofits and foundations to consider in light of the Coronavirus
  • NPR Podcast: When Xenophobia Spreads Like A Virus
  • Pew Research Center: As schools close due to the coronavirus, some U.S. students face a digital ‘homework gap’
  • Fortune: Stores are designating shopping times for coronavirus-vulnerable seniors
  • The Opportunity Agenda: Talking About Coronavirus: Centering Language around Inclusion, Empowerment, and Justice

INFORMATION ON THE PAYCHECK PROTECTION PROGRAM

Paycheck Protection Program

INFORMATION FROM THE US DEPARTMENT OF THE TREASURY

The Paycheck Protection Program is a forgivable loan available to nonprofits for the purpose of keeping your employees on the payroll. It is open to nonprofit organizations with 500 or fewer employees. The federal government sets the guidelines, but the application process is through individual banks, and forms and requirements may vary from bank to bank.

This webinar covers an overview of the PPP, a walkthrough of filling out the application, and covers most frequently asked questions about applying for the program. 

Paycheck Protection Program (PPP) Overview

The Paycheck Protection Program or PPP is a Federal emergency FORGIVABLE loan program for nonprofits, small businesses, self-employed and independent contractors.  For nonprofits, the PPP covers payroll (including benefits), operations and debt service expenses to help employers to retain employees during the COVID-19 pandemic over an 8-week period ending June 30, 2020.  Nonprofits can receive up to $10,000,000 (or 2.5 times their average monthly payroll (including benefits) through this program.  You do not need to prove economic injury from COVID-19 to apply.  We encourage all eligible nonprofits to apply for these funds. 

Eligibility:

The PPP is open to 501(c)(3) non-profits with 500 employees (who reside in the US) or fewer.  Section 501(c)(19) veterans’ organizations and Tribal business concerns are also likely eligible.

The nonprofit had to be in operation on or before February 15, 2020, with full or part time employees.  Independent contractors are not included in the nonprofit application but they can apply directly to the program on their own. Click here for guidance on nondiscrimination obligations and additional eligibility requirements.

Loan amount:

Eligible nonprofits can receive up to $10,000,000 or 2.5 times the average total monthly payroll (including benefits) costs from the one-year period prior to the date of application. 

Applying for PPP Loans:

Nonprofits can apply through any participating SBA lender, but should start by contacting your own bank, which may be prioritizing its own customers. Different banks are handling the application process differently and asking for different kinds of documentation.  Nonprofits may want to contact more than one financial institution.

Loan Forgiveness

For the loan to be forgiven,  you must use at least 75% for payroll and no more than 25% for rent, mortgage interest or utilities, and you must use it within 8 weeks following the loan award, and you must use it before June 30, 2020.  Borrowers can choose which 8 weeks they want to count towards the covered period, which can start as early as February 15, 2020.

See our Frequently Asked Questions and other resources below for more information. 

PPP Loan Forgiveness Application

To apply for forgiveness of a Paycheck Protection Program (PPP) loan, the Borrower must complete the Loan Forgiveness Application below and submit it to the Lender servicing their loan. Borrowers may also complete this application electronically through their Lender. Download the application: SBA PPP Loan Forgiveness Application

How to Calculate Business Loan Types

How to calculate Business Loan Types from the SBA can be found here.

Information on SBA Approved Lenders

Applications for the PPP will be processed through local banks. Contact your current bank first to see if they are able to accept your application.  

Other Resources: 

  • Find an SBA approved lender near you.
  • Lendistry is an approved SBA lender and and have a platform to apply for PPP. They do not require a prior relationship and are attempting to get back to all of their applicants within 48 hours.
    • Baltimore Nonprofits and Businesses: The city has teamed up with Goldman Sachs for a loan program. Find the application for the program here
Frequently Asked Questions
All Federal Government Relief

There are currently three types of federal loans available to eligible nonprofits, and while organizations can apply for all, funds awarded from multiple sources cannot be overlapped to cover the same expenses.

1) The United States CARES Act SBA Loans:  Paycheck Protection Program

The Paycheck Protection Program that allows nonprofits with less than 500 employees to borrow up to 250% of average monthly payroll, for use over 8 weeks from loan origination on payroll, rent, mortgage and utilities. These loans are forgivable with certain terms and conditions.

The application is now open. 

This is the $350 billion program for employers including nonprofits with no more than 500 employees – SBA now has an informational webpage including a sample application form.  This also referred to a the 7(a) loan program in the CARES Act. 

2) SBA Low-Interest Disaster Loan

Small businesses and nonprofits can apply for low-interest working capital loans of up to $2 million from the U.S. Small Business Administration (SBA) to help alleviate economic injury resulting from the on-going coronavirus pandemic.

The loans may be used to pay fixed debts, payroll, accounts payable, and other bills that can’t be paid because of the pandemic’s impact. The interest rate is 3.75 percent for small businesses without credit available elsewhere; businesses with credit available elsewhere are not eligible. The interest rate for nonprofits is 2.7 percent. Businesses and nonprofits apply directly to the SBA, which will determine loan terms on a case-by-case basis based upon each borrower’s ability to repay.

Find more information and apply

3) Economic Injury Disaster Loan

The U.S. Small Business Administration (SBA) reopened its Economic Injury Disaster Loan (EIDL) portal Monday restricted to agricultural businesses only. Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis. For agricultural businesses that submitted an EIDL application through the streamlined application portal prior to the legislative change, SBA will process these applications without the need for re-applying.

The Senate Committee on Small Business and Entrepreneurship has released a guide for small businesses navigating the CARES Act

The National Council of Nonprofits has also released information on loans available to nonprofits through the CARES Act.

Inc: Blog on the Economic Injury Disaster Loans.

FROM THE IRS: Information on the Economic Impact Payments (Dated 3/30)

  • Press Release: IRS extends more tax deadlines to cover individuals, trusts, estates corporations and others
  • COVID-19-Related Tax Credits for Required Paid Leave Provided by Small and Midsize Businesses FAQs
Application Check List

Before applying, find this checklist to help you complete the application. 

RESOURCES ON REOPENING & MOVING FORWARD

Going Forward: Best Practices and Considerations for Nonprofit Re-engagement

The Oklahoma Center for Nonprofits‘ publication, Going Forward: Best Practices and Considerations for Nonprofit Re-engagementis a comprehensive resource to guide your organization’s reopening decisions around operations, workplace readiness, human resources, board governance, communication, events, and more.

Aspen Institute Return to Play Risk Assessment Tool

This general informational resource, created by the Aspen Institute with the support of medical experts, is designed to help people of all ages assess risk in a variety of common sport and recreational activities. Priority consideration in this document is given to lower-risk forms of participation, most of which involve free play or individual training. As COVID-19 restrictions lift and organized activities return, additional insights will be added.

Maryland Strong: Governor Hogan's Roadmap to Recovery

The Maryland Strong Roadmap to Recovery is designed to get Maryland moving again. Maryland Strong lays out a path to gradually and responsibly reopen Maryland’s economy and details the “new normal” necessary to do so. It also recognizes that economic recovery and protecting public health are not opposing goals – they are the same goal and must work together hand in hand.

National Coronavirus Resonse: A Roadmap to Reopening

The National Coronavirus Response: A Roadmap to Reopening report provides a road map for navigating through the current COVID-19 pandemic in the United States. It outlines specific directions for adapting our public-health strategy as we limit the epidemic spread of COVID-19 and are able to transition to new tools and approaches to prevent further spread of the disease. The report outlines the steps that can be taken as epidemic transmission is brought under control in different regions. These steps can transition to tools and approaches that target those with infection rather than mitigation tactics that target entire populations in regions where transmission is widespread and not controlled. The publication suggests measurable milestones for identifying when we can make these transitions and start reopening America for businesses and families.

Maryland State Department of Education Recovery Plan

The Maryland Together: Recovery Plan for Education addresses processes and procedures that should be considered immediately but also be utilized as a road map for future instances of school closures. The Recovery Plan for Education contains a wealth of information that can be used as a point of reference by school leaders, students, and school communities. In addition to the materials contained in the body of the Recovery Plan, the appendices contain resources with links to valuable information on considerations for reopening schools. Through the collective endeavors of educational leaders and stakeholders throughout the state, the future educational needs of students will be fully addressed.

MARYLAND-SPECIFIC RESOURCES

Office of the Governor
Office of the Secretary of State

The Governor of the State of Maryland has proclaimed a State of Emergency and a catastrophic health emergency related to COVID-19.  On March 12, 2020, an order was issued extending state licenses and registrations until 30 days after the State of Emergency and catastrophic health emergency is terminated. Find more information

Department of Labor

RELATED: 

Request Personal Protective Equipment
  • This page contains multiple resources, including HHS Relief Funding, clinician guidance, and a PPE Request form.
  • Order supplies like masks, gloves and hand sanitizer from Maryland manufacturers using the Maryland Manufacturing Network portal.

Legal Advice

If your nonprofit organization is incorporated in Maryland and would like to discuss a legal matter with an attorney, please click here to sign up for brief legal advice and the Community Law Center will schedule a time for an attorney to talk with you.

If your nonprofit organization is in need of legal representation, please download the Community Law Center Application For Services and find out more information here: www.communitylaw.org/apply-for-services.

Other Resources for Marylanders

WEBINARS

Upcoming Webinars from Maryland Nonprofits

Find our entire calendar of events here.

Recorded Webinars from Maryland Nonprofits

We are recording every webinar and providing the slides here. Bookmark this page so you don’t need to fill this out more than once! 

Webinars from Other Organizations

We endeavor to share with our members information about upcoming webinars, virtual town hall meetings, and on-line gatherings that would be helpful for the leaders we serve in the midst of this current COVID-19 situation. We will share programs that we believe are of interest to our members, offered by reputable organizations, and offered for free or at price points that are accessible to nonprofit organizations.  Because these programs are offered by outside entities, we are not in a position to provide guarantees or assurances about the programs. Also, please note that in the midst of these challenging times, the programs, environment, and situations are changing quickly so information that may be current and up to date on one day, may be out of date shortly thereafter.

  • Center Public Justice: What Emergency COVID-19 Laws Mean for Faith-based Organizations, April 3, 2020
     

FINANCIAL RESOURCES

Greater Washington Community Foundation

The Community Foundation opened Phase II of the COVID-19 Emergency Response Fund. Applications will be accepted until the RFP for Phase II closes on May 29 at 5 pm.

Maryland Philanthropy Network

Our partners at the Maryland Philanthropy Network have developed their own COVID-19 resource page, which includes responses from philanthropy, funding resources in our state, best practices in disaster grantmaking, and more. 

Candid

Candid has created a webpage with a summary of funds being distributed as a result of the COVID-19 outbreak as well as resources for your organization to find funding. 

Community Foundation of Anne Arundel County

The Community Crisis Response Fund was established to provide flexible financial assistance to Anne Arundel County nonprofits immediately following a violent incident, natural disaster or other crisis in our community. Due to the fast-emerging needs posed by the COVID-19 virus, the Community Crisis Response Fund will make single immediate-use grants to nonprofits addressing the increase in community needs and demand for services in the following impact areas: food security and support for basic human needs. Learn more and apply.

Montgomery County Public Health Emergency Grant (PHEG) Program

The Montgomery County Public Health Emergency Grant program is designed to provide financial assistance to Montgomery County for-profit businesses (including sole proprietorships and independent contractors) and nonprofit organizations that have experienced significant financial loss caused directly or indirectly by a public health emergency. Learn more about the program.

Greater Baltimore Emergency Funds

Funders in the Greater Baltimore area are working together to streamline the application process for nonprofit organizations. Funds are available to support changes in operations and sustainability due to COVID-19. Applications for the first round of funding are due May 29, 2020. Find the full RFP here.

Giving Tuesday

GivingTuesday is a global generosity movement unleashing the power of people and organizations to transform their communities and the world. #GivingTuesdayNow, a global day of unity to take place on May 5, 2020, as a response to the unprecedented need caused by COVID-19. Find frequently asked questions and a social media toolkit for the event. 

Instrumentl Aggregate List of COVID-19 Grants

Instrumentl is leveraging their grant discovery tools to aggregate all COVID-19 related grants for 501c3 nonprofits. Search for national, international, and Maryland-specific relief funds.

COVID Community Action Health Equity Grant

Learn more about the PhRMA COVID-19 Collaborative Actions to Reach Equity (CAREs) Grant that awards $25,000 to up to for recipients. Deadline to apply is by May 25th.

COVID-19 Food Stability Fund

The Fund for Educational Excellence (Fund) has established the COVID-19 Food Stability Fund to help ensure food stability for children, their families, and senior citizens in Baltimore City during this health crisis. Learn more.

Public Health and Social Services Emergency Fund (PHSSEF) Grant
Learn more about the PHSSEF. Under the CARES Act, $100 billion in total funds is available to hospitals, health systems, and other providers. Subsequent legislation increased the funds available by an additional $75 billion. Eligible providers include public entities, Medicare- or Medicaid-enrolled suppliers and providers, and other non-profit and for-profit entities specified by the Secretary of the Department of Health and Human Services (HHS).

ADVOCACY ACTIONS AND FEDERAL GUIDANCE

Letter to Maryland State Leadership

Together, Maryland Nonprofits, the Maryland Philanthropy Network, and the United Way of Central Maryland have drafted a letter to state leaders on thing they can do to support the nonprofit community during this time. You can read that letter here.

National Council of Nonprofits
  • The National Council of Nonprofits released an analysis of the Families First Act on March 19 and described the effect it will have on nonprofits. You can read it here.
  • On March 31, NCN held a webinar on federal relief bills – you can find the links below:
United States Department of Labor

The Department of Labor has also released guidance for employers and employees. Find this guidance in Spanish. 

FFCRA (Families First Coronavirus Response Act) News (March 24):
The US Department of Labor has published their initial guidance on the Families First Act. Undoubtedly more information will be available soon, but these documents offer clarification on some aspects of the Act. 

Healthcare for the Homeless

This Healthcare for the Homeless discusses needed policy responses for a high-risk group in monthly policy briefs: 

National Letter to Congress

This is a letter from nonprofits nationwide asking Congress to include us in any stimulus package they release related to this crisis. 

The Internal Revenue Service

On March 31, the Treasury Department and the Internal Revenue Service 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. Learn more. 

Letter from Maryland's Nonprofit Community to Maryland Members of Congress

This Letter signed by members of Maryland’s nonprofit community advocates for more relief resources for nonprofits

HEALTH RESOURCES

World Health Organization
Centers for Disease Control
Mental Health Resources
Other Health Resources

 

BUSINESS FUNCTION RESOURCES

General Business Functions
Remote Work
Standards for Excellence

The Standards for Excellence Institute has made their Administrative Policies Educational Packet, Guide to Remote Work, and Crisis and Disaster Planning Resources free during this time. 

Guidance for Board of Directors
Loyola Crisis Navigators

The COVID-19 pandemic is a time of stress and extreme market conditions for small businesses, nonprofits, and startups. The Center for Innovation & Entrepreneurship’s Loyola Crisis Navigators is a volunteer team we’ve brought together to advise you in these uncertain times. Learn more.

 

HOW ARE OTHER NONPROFITS ADAPTING?

In these unprecedented times, many nonprofits are adapting their programs and services in creative ways. If you know of an organization doing great work during this crisis, please let us know.

Business Volunteers Maryland

Business Volunteers Maryland has compiled a website to submit needs and find opportunities to help. 

Girl Scouts of Central Maryland

The Girl Scouts of Central Maryland have set up Virtual Badge Workshops, with science experiments and art projects for every day of the week while children are home from school.

House of Ruth Maryland

House of Ruth Maryland remains committed to providing services to victims of intimate partner violence.

House of Ruth Maryland’s 24-hour hotline and emergency shelter will remain open.  Protective and Peace Order protections are also still available through Court Commissioners.  For immediate assistance, contact 410-889-7884 and you can find information on additional services available at www.hruth.org/covid.

 

KSS Solutions

Visit this page to find ways to give and get help in Baltimore. 

Maryland Citizens for the Arts

Maryland Citizens for the Arts has created a page to 1) share ways people can help artists/art organizations during this time and 2) collect resources for artists and art organizations.

Open Works

With medical professionals nationwide in need of personal protection equipment, Open Works identified a way to help when they saw a design online for face shields that can be made using 3D printers. Read more from the Baltimore Sun.

 
St. Francis Neighborhood Center

In addition to food resources, St. Francis Neighborhood Center in Baltimore is providing students out of school with laptops so they can complete their work during this extended closure period. 

Volunteering Untapped

As the coronavirus (COVID-19) continues to spread, more businesses, schools, organizations and other resources are closing and individuals are encouraged to avoid crowded places. The effects of this are hardest felt by some of Baltimore City’s most vulnerable residents. Volunteering Untapped has created a page for organizations to ask for help and for people to find organizations to volunteer at. It also includes resources for the Baltimore COVID-19 Food Security Fund and the American Red Cross. 

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