Many US businesses have been forced to close due to an unprecedented p和emic affecting the entire globe. 值得庆幸的是, 政府, 社区, 甚至私营企业也在这些艰难时刻挺身而出，提供援助. 为了获得大多数这些小企业的资格资源, you need to make sure your federal filings are up to date to ensure compliance not only in application approval but also in compliance after the program. Toptal的 周转顾问 如果需要，你能在这些陌生的水域中航行吗.

作为许多小企业和新兴企业家的合同首席财务官, 我经历了行业和客户变化带来的许多挑战, 技术威胁, 政府干预, 所有这些都威胁到我客户业务的未来. 每一个都可以通过计划来管理, 策略, 和 a good grasp of cash flows to manage or pivot the business with a strong underst和ing of the “worst-case” scenario.

小企业救助物资的主要规划思路:

• 这些项目的可用资金有限, 所以越早启动应用程序越好.
• Use your existing banking relationships that you trust 和 know to apply for 政府 programs. T在这里 are a number of fraudulent third parties offering fast-tracking 和 do not have any better opportunities 和 will likely charge fees or other methods to offer support.
• 在这些困难时期继续推动你的业务向前发展. Use the extra time during your closure to work on bettering your operational 策略 和 social media programs, 在现有业务中寻找节省资金和管理费用的方法, 寻找新的收入机会.
• 确保你的记录是最新的. 你的会计是否更新银行对帐单和中期财务报表, 确保你的年度财务报表完成.
• Consider setting up a separate bank account for the funds 和 keep meticulous records of the expenditures you incur from the proceeds of these loans 和 facilities. Use the bank account to pay these bills 和 track them carefully for future audits 和 reviews.

这些资助项目中有许多看起来很直接，甚至很容易, 然而, 大多数人恰恰相反. The following is an overview of the major federal government programs 和 recommendations on how to navigate them.

美国小企业管理局(“SBA”)工资保障计划(“PPP”):

• Details:
  • 工资保障计划，为留用员工提供贷款减免
  • 这 loan will be 100% forgiven if employees are kept on the payroll for eight weeks 和 at least 75% of the amount has been used for payroll.
  • 两年期贷款，如不减免，利率为1%
• 资格:
  • Any small business with less than 500 employees, nonprofits, 和 veteran organizations
• 如何申请?
  • 使用PDF申请 在这里.
  • 完成并带来您的商业 银行经理.

经济损失灾害贷款(EIDL)

• Details:
  • 可立即获得最高10,000美元的贷款预支.
  • 这笔贷款不能偿还.
  • You can apply for this, 和 even if you aren’t going to get approved, you get this anyway.
• 资格:
  • Any small business with less than 500 employees, nonprofits, 和 veteran organizations
  • Sole proprietorships, with or without employees, 和 independent contractors all comply.
• 如何申请?
  • 应用 在这里.

快速过桥贷款

• Details:
  • Companies that currently have a business relationship with an SBA Express lender can access up to $25,000年很快.
  • Very fast turnaround to aid in bridging the time before approval for an EIDL as above
  • 是否可使用贷款通知书偿还贷款.
  • 利率取决于银行，但可能高达Prime +6.5%最大.
• 资格:
  • Must be proven to be needed to support the survival or reopening of a small business.
  • Require a personal credit 和 Small Business Service Score (SBSS) for approval greater than 130.
• 如何申请?
  • 联系你的小企业管理局快速贷款机构，他们会提供申请文件.
  • 这 map 能帮你找到小企业管理局的贷款人吗.

刺激检查

• Details:
  • 国税局将把你的报税截止日期延长到7月15日, 2020, 他们正在审查你2018年和2019年的所得税申报.
  • You are eligible for up to a $1,200 check that will be issued 和 sent to you based on your income.
• 资格:
  • 如果你的收入低于112美元,500作为一家之主, 你得到1美元,200; after $112,500, 他们每增加100美元的收入，人均收入就减少5美元. 所以，如果你的收入超过146,500美元，你就拿不到支票.
• 如何申请?
  • 您需要提交2018年或2019年的所得税申报表.
  • 在那之后，它是自动的.
  • 你可以了解更多 在这里.

加强失业计划

• Details:
  • The unemployment program has been exp和ed from the regular “recently unemployed” to include contractors, 自由职业者, 自雇人士.
  • It also extends the initial benefit option to 13 weeks 和 includes an additional $600 per week on top of the regular State Unemployment benefits for four months.
• 资格:
  • It’s generally available to anyone who has lost their ability to earn money right now, 但并不是所有的个体经营者都符合这个条件, 这是根据具体情况而定的.
• 如何申请?
  • 申请通过 这个入口网站.

为小企业提供私人贷款和其他服务

• Google is offering $340 million in ad credits for small 和 medium businesses to stay in touch with their customers. 应用 在这里.
• Vogue和CFDA正在重新利用Vogue/CFDA时尚基金来创造 一条普通的线—a fundraising initiative supporting those in the American fashion 社区 who have been impacted by the COVID-19 p和emic. 应用 在这里.
• Facebook has announced a small business grant that is offering $100 million in cash grants 和 ad credits. 有关资格的更多信息将公布, 但它将提供给30,在Facebook目前运营的30多个国家的1000家企业中. 阅读更多 在这里 并应用 在这里.
• 机会基金, 哪家专门为女性开办的小企业提供贷款, 移民, 有色人种, 是否即将启动冠状病毒救助基金. 它将向企业主提供赠款和低息贷款. 读一读 在这里 请继续关注更多信息.
• James Beard Foundation is providing micro-grants to independent food 和 beverage small businesses in need through their Food 和 Beverage Industry Relief Fund. 阅读更多 在这里 并应用 在这里.
• Yelp has announced a $25 million relief fund primarily focused on supporting independent local restaurants 和 nightlife businesses in the form of waived advertising fees 和 free advertising, 产品, 和服务. 阅读更多 在这里.
• 你好，Alice 's Business for All提供高达50美元的优惠,000 business grants 和 mentorships from influential leaders like Gwyneth Paltrow 和 Rebecca Minkoff. 阅读更多 在这里 并应用 在这里.
• JPMorgan Chase is committing $8 million to assist small businesses in the US, China, 和 Europe. 阅读更多 在这里.
• Soze机构, 特别工作组, 和 Invisible H和 have created a fund in support of artists 和 activists who are impacted by COVID-19. 他们将持续向选定的申请人提供250美元, 目前，, 他们有30美元,第一轮拨款500美元. 阅读更多并应用 在这里.
• Bumble is offering up to $5,000 in monetary support for small businesses affected by COVID-19. 下载 @bumble app 和 use any mode to match with their Bumble 社区 Grants profile to learn more 并应用. 你也可以阅读更多并申请 在这里.
• 劳氏公司承诺投入300万美元支持当地小企业, 特别熟练的贸易专业人员, 在目前的条件下继续经营. 阅读更多 在这里.
• 超出了正常的融资范围, 众筹平台Mainvest推出了一项2亿美元的融资计划,000, 无息, 为受COVID-19影响的餐馆或其他实体提供120天贷款. 阅读更多 在这里.
• 把你的公司注册到 Kabbage 和 帮助普通民众! to enable customers to easily buy gift cards that provide critical cash support during the COVID-19 crisis.
• Jewish Free Loan Association is granting no-fee 和 interest-free loans for businesses in the Los Angeles area that have been impacted by the coronavirus outbreak. 阅读更多 在这里 并应用 在这里.

与 专家 who can navigate through the assistance programs can help reduce overall complexities 和 safely 驾驭你的业务 通过这些艰难的时刻. 支持计划在这里是为了确保您的业务能够生存, 最大限度地利用它们是你成功的关键.