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 from the SBA can be found here.

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. 

• FAQ Sheet from Maryland Nonprofits
• PPP FAQs Fact Sheet from the Small Business Association and the Department of the Treasury (updated 5/13/2020)
• How Does Payroll Tax Deferral Work Under the Cares Act?

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
  

4) HEROE’S Act
The National Council of Nonprofits wrote a comprehensive Review and Recap of Nonprofit Provisions in the HEROES Act. Learn more.
Summary:
The U.S. House of Representatives passed the Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act), on May 16th and is awaiting a vote from the Senate. The HEROES Act would provide significant funding for state, local, and tribal governments, including another round of checks to adults making up to $75,000, establish mortgage and rent relief and provide funding to repair financial damages to the Postal Service. It would also promote voting by mail and enhance election security, provide relief for pension plans, and, for two years, restore the ability of taxpayers to fully deduct state and local taxes.
See also this one-pager, a Section-by-Section Summary, and the Manager’s Amendment filed on May 14.

• Before applying, find this checklist to help you complete the application. 
• Application for Borrowers
• Application for Lenders

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.

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.

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.

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.

Nonprofit Working Group
Various Maryland Governor’s offices such as community initiatives, service and volunteerism, minority affairs, crime and control prevention, children, deaf and hard of hearing performance improvement, and grants have coordinated a Nonprofit Working Group to discuss best practices on safe reopening practices for nonprofits. Findings for safe practices on reopening by the Nonprofit Working group can be found here.

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. 

• Guidance for Small Businesses and Nonprofits
• Maryland Business Relief Wizard
• Maryland COVID-19 Emergency Relief Fund Programs for Businesses

   
   

• Frequently Asked Questions About COVID-19 and Maryland’s Unemployment Insurance Benefits Administration
• Division of Unemployment Insurance

RELATED: 

• City of Annapolis has summarized federal and state Workforce Assistance resources.
• City of Annapolis has summarized federal and state Small Business Relief resources.
• National Unemployment Law Project summarizes Unemployment Insurance Provisions in the CARES Act.
• National Council of Nonprofits Blog on Self-Insured Nonprofits and Unemployment Insurance

• General Coronavirus Information
• Request PPE from the Department of Health
• Resources for Healthcare Facilities
• Behaviorial Health FAQ, as of March 27, 2020:
  • FAQ – Behavioral Health Administration Partners
  • FAQ – Opioid Treatment Programs
  • FAQ – Telehealth
• Guidance for Congregate Housing 

• 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.

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.

• Grab-and-Go Meals around the state for children under 18
• Maryland Department of Aging Press Release, March 16 on Senior Call Check
• Marylanders can also call 211 to receive information related to COVID-19. You can also sign up for text alerts by texting MDReady to 898211.
• On March 17, we held a webinar with the Maryland Health Department. To request the slides or ask questions about that presentation, fill out this form. 
• Maryland Department of Transportation: Service updates from MDOT
• Maryland Small Business COVID-19 Emergency Relief Grant Fund
• Maryland Department of Assessments and Taxation: Annual Report and Personal Property Tax Return Deadline Extended to July 15   

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! 

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
   

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

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. 

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.

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.

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.

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. 

Financial Assistance for DACA Recipients Amid the COVID-19 Crisis

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.

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.

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.

• 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:
  • Recording of webinar: “Federal Coronavirus Relief Bills: What Do They Mean for Nonprofits?
  • Slide deck from webinar: “Federal Coronavirus Relief Bills: What Do They Mean for Nonprofits?”

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. 

• Guidance for Employees: who is eligible, how to calculate pay, duration of leave, and more
• Guidance for Employers: who is covered, qualifying reasons for leave, tax credits, and more
• Questions and Answers: frequently asked questions
• The Wage and Hour Division at US DOL will post a recorded webinar on Friday, April 3, 2020, to provide interested parties a more in-depth description and help them learn more about the FFCRA.

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

• Issue Brief, April 2020 
• Issue Brief, March 2020

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

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. 

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

• Interim Guidance for Businesses and Employers to Plan and Respond to COVID-19: The Centers for Disease Control and Prevention (CDC) will update this interim guidance as needed and as additional information becomes available.
• Use of Cloth Face Coverings to Help Slow the Spread of COVID-19
• Information for Travel: Information for travelers and travel related industries as it relates to COVID-19
• Crisis and Emergency Risk Communication
• Facts About COVID-19
• Interim Guidance for Responding to Coronavirus Disease 2019 (COVID-19) among People Experiencing Unsheltered Homelessness

• SAMHSA: Taking Care of Your Behavioral Health: Tips for Social Distancing, Quarantine, and Isolation During an Infectious Disease Outbreak
• BHS: Anxiety, What You Need to Know 
  • COVID-19: Guide for Employees(for employees who may be experiencing a disruption to employment)
  • COVID-19: Guide for Supervisors(for supervisors who need support while dealing with disruptions to employment of their team members)
  • COVID-19: Managing Anxiety While Working Remotely
    • COVID-19: Working at Home with Kids
  • How to Cope with Discrimination

• American Society of Refrigerating Engineers: Position Document on Airborne Infectious Diseases
• US Traveler’s Association: Emergency Preparedness and Response: COVID-19
• US Department of Labor: Safety and Health Topics, COVID-19
• No Handshake Zone Sign: Out of an abundance of caution, at any essential meetings, we are enforcing a no handshake zone to prevent the spread of disease. Please feel free to use it as well.
• Guidance for NYS Office of Children and Family Services Programs: Information on how the NYS Office of Children and Family Services is adjusting their practices to prevent the spread of COVID-19.
• American Academy of Pediatrics: Information as it relates specifically to children 
• Johns Hopkins: Coronavirus Resource Center
• American Institute for Research: Frequently Asked Questions in plain language

• XFinity Hot Spots
• TechSoup: Nonprofit Resources for Remote Work
• Move Minneapolis: Work from Home Webinar
• Free Conferencing Tools:
  • Google and Microsoft are offering their conferencing tools free-of-charge for a limited time.
  • GoToMeeting is also offering their remote work tools free for three months.
  • Webinar from Slack on working remotely
  • Zoom: Has a free option 
    • Learn to use Zoom in 5 minutes 
• Society for Human Resource Management Blog: If You Never Worked from Home Before, Here are 10 Suggestions #Coronavirus
• NTEN: 9 best practices for engagement in virtual meetings
• Upcoming Webinars from Tech Impact:
  • March 30, 2020: How to Set Up Microsoft Teams for First Time Users: A Step-by-Step Guide to Getting It Right the First Time
  • March 31, 2020: Remote Program Delivery: Adapting During COVID-19
  • April 2, 2020: Panel Q&A: Remote Work During (and Beyond) COVID-19
• Fast Company: Working from home? 7 smart tips to help you get more done

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. 

• One-pager from Maryland Nonprofits on remote gatherings.
• Maryland Nonprofits Model Board Resolution.
• BoardSource: What Nonprofit Board Members Should Be Doing Right Now to Address the COVID-19 Situation.

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.

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 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.

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

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.

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. 

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.