Small Business Survival Grant
$55 million has been allocated by the State for Michigan businesses affected by the Gathering and Mask Order.
Businesses that have 1-100 employees, are in an industry affected by the order that requires working capital for payroll and rent/utility expenses, and can demonstrate that the loss of income is due to the Gathering and Mask order may be eligible for grant funding. Eligible businesses include bars, restaurants and entertainment venues such as bowling alleys and arcades.
Applications will be accepted January 19 at 9 am until January 22 at 12 pm.
Information on the program and how to apply can be found here: Small Business Survival Grant
Michigan Restaurant & Lodging Association Educational Foundation Employee Assistance Grants
The Michigan Restaurant & Lodging Association Educational Foundation will administer an employee assistance grant for employees affected by the November MDHHS Order. The applications may be submitted from January 15 to 25.
Employees working in restaurants, bowling alleys, bars, clubs, and other entertainment and food industry venues may be eligible.
You can get more information on the Employee Assistance Grants and apply here: https://mrlaef.org/money
2021 Paycheck Protection Program, Disaster Loans, and 504 Relief
Those businesses that are eligible may apply for another round of Paycheck Protection Program (PPP) loans administered by the Small Business Association through recent CARES Act funding. The program will resume January 11 at 9 am and businesses may apply for another PPP loan to help with payroll and rent costs.
Loans have an interest rate of 1%, and payments are deferred for 10 months for those that do not apply for loan forgiveness. Forgiveness may be granted when the loan is used for eligible payroll costs, rent, mortgage interest, or utilities for an 8 or 24 week period. There are no fees involved with the application. Loan applications can be obtained through any FDIC institution or federally insured credit union.
Information on the PPP Loans may be found here: www.sba.gov/ppp
The SBA also offers Economic Injury Disaster Loans (EIDL) to be used for operating expenses. These loans have a fixed interest rate and a 30 year term. When funding is available, these advance loans may be forgiven. The deadline for application has been extended to December 31, 2021.
More information can be found here: https://www.sba.gov/funding-programs/disaster-assistance/economic-injury-disaster-loans
For members that currently have an SBA 504 loan, due to recent relief initiated by the Federal Government, the Federal Treasury will make payments on all SBA 504 loans that are current for February, March, and April, up to $9,000 per month, per borrower. After the initial three months, some borrowers may be considered for an additional five months of payments.
MCMOA will continue to keep members apprised of all programs designed to help business find financial relief during the pandemic.
Pure Michigan Small Business Relief Initiative
The Michigan Economic Development Corporation announced a grant opportunity through the Michigan Municipal League Foundation for certain businesses impacted by State orders related to COVID-19.
Information about the grant can be found here:
Eligible businesses include:
Restaurants, bars and other food and beverage service providers.
Lodging providers and hospitality businesses.
Movie theaters and live event venues.
Conference and meeting facilities.
Bowling centers, indoor water parks, and ice skating rinks.
Indoor recreation facilities.
The funds, up to $15,000, will be provided under the federal CARES act. Applications will be open beginning 9:00 am on December 15 and will be processed on a first in basis.
To prepare for the application process follow the below link for instructions:
MDHHS Epidemic Orders
To access all information regarding MDHHS Epidemic Orders, please visit https://www.michigan.gov/coronavirus/0,9753,7-406-98178_98455-533660--,00.html
MIOSHA Emergency Rules
MIOSHA Emergency Rules were enacted to guide employers in regulation in the workplace:
FAQ's can be found here:
HB 6030: Creates the COVID-19 Response and Reopening Liability Assurance Act
Prohibits civil action against employer who complied with federal and state regulations.
The act is retroactive.
HB 6031: Amends MIOSHA statute
No employer liability if in compliance with all federal and state regulations.
The act is retroactive.
HB 6032: Creates a new Act
Employee cannot go to work with symptoms or if they had close contact with an individual diagnosed with COVID-19. Defines close contact as more than 15 minutes within 6 feet.
Employer may not discharge an employee if employee does not go to work for this reason.
HB 6101: Amends MIOSHA
Add terms and definitions from 6031.
Health Department Orders
The following counties in MI have additional restrictions beyond those issued by MDHHS:
Allegan: New contact tracing forms are required for employment letters in case of positive coronavirus test or exposure. The forms can be found at http://cms.allegancounty.org/sites/Office/Health/Lists/Announcements/Attachments/198/NEWS%20RELEASE_Case%20Investigations%20Changing_Workplace%20Safety_11122020.pdf
Arenac: Gatherings in Union Township and Mt. Pleasant are restricted.
Bay: Symptom monitoring of workers is required.
Clare: The MDHHS order has been enhanced to limit outside gatherings to no more than 25 people.
Gladwin: The MDHHS order has been enhanced to limit outside gatherings to no more than 25 people.
Ingham: Outdoor gatherings cannot exceed 10 people in the "area of increased risk". An explanation of this area can be found at http://www.hd.ingham.org/Portals/HD/Home/Documents/cd/coronavirus/EOOctober28-2020-25.pdf Orders regarding sheltering in non-congregate settings, masks, gatherings and workplace screenings have also been passed on a local level.
Isabella: The MDHHS order has been enhanced to limit outside gatherings to no more than 25 people.
Lenawee: An additional workplace screening procedure was adopted in September and the Governor's Executive Orders should continue to be followed.
Osceola: The MDHHS order has been enhanced to limit outside gatherings to no more than 25 people.
Roscommon: The MDHHS order has been enhanced to limit outside gatherings to no more than 25 people.
Saginaw: Through March and April there was emergency screening at businesses and reporting of donated PPE is required.
Washtenaw: There is currently one active health order. The University of Michigan was issued a "Stay at Home" order. Residential settings in Ann Arbor and Ypsilanti are subject to limiting gatherings inside to no more than 10 people and no more than 25 people outside.
Wayne: MDHHS orders and guidelines outside of those orders only in the Governor's Executive Orders must be followed. More orders will be issued after the Executive Orders expire if MDHHS does not send out more orders.
Reopening in the Workplace
In addition to some of the resources listed below, AMOA members can take advantage of information on the Membership section of the AMOA webpage, accessible at https://www.amoa.com/covid19
OSHA offers guidelines to business owners regarding the COVID Preparedness and Response Plan required for operation here:
Sports and entertainment facilities guidance:
General workplace safety guidance:
Sample COVID plans can be found here:
A list of FAQ's regarding liquor license holders and the Stay Home, Stay Safe order is found here: Coronavirus FAQ
Unemployment benefits have been extended to include self-employed workers and benefits have been expanded to all workers: https://www.michigan.gov/coronavirus/0,9753,7-406-98158-523450--,00.html
The federal department of labor issued guidelines last week for employers related to sick time paid for workers during the pandemic, beginning April 1, 2020:
DOL also issued an answer guide to FAQ's related to the Families First Coronavirus Response Act:
Michigan's UIA is requesting the website, rather than the phone number, be used to register for benefits at:
The UIA also states that registering during off peak hours, 8 p.m. to 8 a.m., is the best time to access the website.
The Unemployment Agency has guidelines for workers and for employers at:
For employers, information related to the workshare program to allow employers to maintain operations versus laying off workers; as well as how employers should treat temporary layoffs is included in the following worksheet:
The federal government has recently taken action through three memorandums and one executive order which extended some enhanced unemployment benefits, taken steps to stop evictions, extended the suspension of student loan repayments and deferred payroll taxes.
The Michigan page for employers, linked above, offers federal guidance, as well as guidance from the CDC for businesses and employers:
There is also a federal site related to small business loan information, including economic injury disaster loans:
Executive Orders and Directives
Prior enacted Executive Orders were deemed unenforceable by the Michigan Supreme Court.
Executive Directive 08 addresses the enforcement of the Governor's executive orders by state departments and agencies, including licensing implications.
Executive Directives with information regarding state spending and hiring can be accessed here: https://www.michigan.gov/whitmer/0,9309,7-387-90499_90704---,00.html
To access all Executive Orders and directives, please visit https://www.michigan.gov/Coronavirus