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Updates & Resources

Reopening

Access information on City and state plans and guidance to safely reopen the economy, get people back to work, and ease social restrictions while minimizing the health impacts of COVID-19.

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Small Business Assistance

The City of Cambridge Relief and Recovery Programs, the Mayor’s Disaster Relief Fund for small businesses, and the Cambridge Redevelopment Authority (CRA) Zero-Interest Loan program is distributing nearly $3.6 Million to Cambridge small businesses financially impacted by the COVID-19 public health crisis.

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What's Open?

Interested in learning which Cambridge businesses and nonprofits are open or closed during the COVID-19 pandemic? We've created lists with help from local business associations and the Cambridge Nonprofit Coalition that are being updated frequently showing businesses that are open/closed, offering takeout/delivery/online sales, and which businesses are selling groceries. If you or a business you know is open in Cambridge, please contact Pardis Saffari at psaffari@cambridgema.gov. 

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News

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Cambridge Orders, Guidance & Guidelines

Commonwealth of Massachusetts Guidance & Guidelines

Massachusetts Essential Services Order & Essential Businesses List

COVID-19 Essential Services Order by Governor Baker of 3-31-20

Governor Baker extended his closure of all non-essential businesses and the Department of Public Health’s Stay At Home advisory to May 4. This step was taken to align with federal social distancing guidelines and current MA public school closures. This extension included minor revisions to the list of essential businesses to resolve some supply chains for essential operations. The list of essential businesses can be found here. Businesses not on this list are encouraged to continue operations remotely as feasible.

Reopening: Purchasing Hygienic or Protective Supplies for the Workplace

These resources are provided to help inform employers and employees about supplies needed to return to workplaces, and connect businesses with manufacturers and distributors. In order to operate in Reopening Phase 1 and all future phases, certain supplies are required. (Mass.gov)

US Small Business Administration (SBA) Guidance

COVID-19 Relief Options & Frequently Asked Questions

Don't know where to get started?

Start with the Paycheck Protection Program and to see forms, etc; then next to Economic Injury Disaster Loans and advance; then next to Express Bridge Loans and then next to Debt Relief for existing and future SBA 7a, 504 and microloan. 

The following questions might help point you in the right direction:

Do you need capital to cover the cost of retaining employees?

Need a quick infusion of a smaller amount of cash to cover you right now?

Fears about keeping up with payments on your current or potential SBA loan?

 

Frequently Asked Questions:

If I am applying or already received an Economic Injury Disaster Loan, is my small business eligible to participate in the Paycheck Protection Program? 

  • Borrowers can apply for BOTH Economic Injury Disaster Loan and the Paycheck Protection Program loan.
  • However, the Paycheck Protection Program loan funds and the Economic Injury Disaster Loan funds cannot be used for the same purpose.
  • The Paycheck Protection Program loan must be used for payroll (minimum of 75% of the funds received) for it to be eligible for a forgivable loan and the remaining 25% is used for different purposes(mortgage interest, rent, utilities, other services).
  • Borrowers who accept both loan funds should document the uses of the funds appropriately. If your Economic Injury Disaster Loan was used for payroll costs, your Paycheck Protection Program loan must be used to refinance your Economic Injury Disaster Loan.
  • Any advance up to $10,000 on the Economic Injury Disaster Loan will be deducted from the loan forgiveness amount of the Paycheck Protection Program loan. 
  • For example, a borrower may obtain a loan from the Paycheck Protection Program and use those funds to pay for 8 weeks of payroll or employee retention. They may wish to then dedicate their entire EIDL funds towards working capital, notes payable and accounts payable that do not duplicate the funds provided through the Paycheck Protection Program. If the EIDL loan was used for payroll expenses, the borrower must refinance the EIDL loan with the PPP loan which carries a lower interest rate as well as a shorter maturity period. If you are applying for both, you can accept PPP first – then decide whether or not to close on your EIDL approved loan.  
  • The application period for PPP loans runs through June 30, 2020, but the EIDL application period runs through December 2020. 
  • EIDL Loan advances will start to be distributed this week.  $1000 per employee up to $10,000 max - IF YOU DID NOT APPLY THROUGH THE STREAMLINED PROCESS WHICH STARTED LAST WEEK, SBA request that you visit https://covid19relief.sba.gov/#/ and reapply with the secure streamlined process. You will not lose your place in queue with your original EIDL loan application.
  • EIDL loans will not require a personal guarantee for loans under $200,000EIDL loans will not require real estate collateral for loans under $500,000. SBA will be looking be best available lien priority on all business assets or other business assets.

 

More Information:

Cambridge's Business Associations

The following is a list of local businesses associations. Visit them online to learn more about what they're during to provide information for and about local businesses: 

General Resources for Local Businesses

Preparedness Resources

 Small business owners invest a tremendous amount of time, money and resources to make their ventures successful. Take time now, before a disaster, to plan to protect your investment.

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Guidance for Businesses

The CDC has interim guidance based for businesses and employers.

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Pick It Up Cambridge

The City of Cambridge, in partnership with the local business community, is launching “Pick It Up Cambridge,” a social media and print campaign to encourage patrons to call direct and pick up their orders to help business owners retain the full value of their product and support local eateries.

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Page was posted on 3/18/2020 6:52 PM
Page was last modified on 10/22/2020 2:48 PM
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