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Covid-19 Community Resource Page for the Bath-Brunswick-Midcoast Region

Covid-19 Community Resource Page for Bath-Brunswick-Midcoast Communities

Covid-19 has changed the way so many of us interact, do business and connect.  It’s been a trying time.  But like with all times of great challenge, comes great opportunity,  And the SMMC is proud of how our businesses and partner organizations are tackling these challenges and creating support for businesses. 

Our role right now is to get you the resources and the information you need and create new programs if they are needed.  Here are a list of some resources for the Bath-Brunswick-Midcoast area and other resources from around the state. 
Click on the title to be re-directed to these specific pages for more information on that topic.

This page will get updated with new information as possible.

Paycheck Protection Plan Borrower's Application (New Information as of 04/03/20) 
A sample application was out earlier this week, but this is the final one as of April 3, 2020.  Note there are several minor changes.  This is for small businesses, self-employed and some 501(c)3 non-profits (among others) to receive 8 weeks of 100% forgiveable loans for payroll for their employees through the SBA (Small Business Administration).  This is $350B of stimulus money.  

With that, we will be publishing a list of SBA-Approved Lenders who are accepting applications in this space which will be update over the next five business days as they get their rule-making in place.  

SBA-Approved Lenders Accepting the Paycheck Protection Program Applications (as of 04/03/20)
Bangor Savings
Bath Savings Institution (for existing business customers only)

What is the Paycheck Protection Program?: SMMC Video (as of 04/02/20)
SMMC Executive Director Cory King created this video on April 1, posted out to the members the next day about the Paycheck Protection Program.  This is a great starter video for those small businesses looking for federal stimulus money?

Stimulus Funds through the SBA (New Information as of 03/30/20)
Paycheck Protection Program ($350B)

The Paycheck Protection Program would provide 8 weeks of cash flow assistance through 100 percent guaranteed loans to small employers who maintain their payroll during this emergency.  If the employer maintains its payroll, then the portion of the loan used for covered payroll costs, interest on mortgage obligations, rent, and utilities would be forgiven…

So, the loan is forgiven if it goes to payroll expenses.  Here is some more information:

What is the loan amount under the Paycheck Protection Program?
The loan amounts would be up to 250% of the employer’s average monthly payroll for two months, or eight weeks (depending on your payroll terms) with a cap at $10M.

Who is eligible for the Paycheck Protection Program?
Lots of employers including:
-Small employers with under 500 employees (and those meeting the SBA standard for that size)
- Self-employed people and ‘gig economy workers’
- 501(c)3 and 501(c)19 organizations (typically those organizations are charities, non-profits, and military non-profit organizations, as long as they have under 500 employees
- Other unique cases
 
Paycheck Protection Plan Resources (3):
- FAQ Sheet Compiled By the U.S. Senate Committee on Small Businesses & Entrepreneurship
This answers numerous questions including forgiveness requirements, and how to apply

- U.S. Chamber of Commerce Calculation Sheet
If you are trying to figure out what your loan amount should be; some overlapping information with the FAQ sheet above but still a worthy read.  Both documents are about this same program just different aspects

- Keep American Workers Paid and Employed Act
This is the wording of what was negotiated and presented in a bipartisan manner led by Sen. Collins and three colleagues.  This outlines another $27B in programs too.  

For information on Small Business Association Disaster Loans, and Finance Authority of Maine loans scroll down further on this page

For Unemployment Expansion through the Maine Dept. of Labor, scroll down further on this page

Town of Brunswick Shelter In Place Order
As issued on March 23, 2020 this order restricts non-essential businesses from being open. 
Important to note: Business may have one employee on-site doing essential job functions if not open to the public. 
Also, RESTAURANTS may continue curbside pickup, or drive-thru food service but customers may not eat on-site.  Pre-order and online/phone payment is required for restaurant takeout and curbside pickup. Click on the title "Town of Brunswick Shelter in Place Order" to see the full order.    

Maine State Chamber Business Updates Page
Put together by the Maine State Chamber’s team, this page has almost daily updates of the latest news from the Governor’s office as well as other federal and local updates too.  A good daily check-in spot for what’s happening and a great resource for legitimate news stories and media updates about the pandemic

Brunswick Downtown Association’s Operation Pick-Up
Created on March 18, 2020, this list consists of who’s open, when they are open and what deals they have going on, if any.  They do list businesses that are not open too and when they may re-open. This is a great resource for Brunswick businesses who are members of the BDA and they did great work in pulling it together. They update this list as needed, and typically daily. 

SMMC’s Facebook Group: “Midcoast Restaurant & Business Highlights during Covid-19”
Mirrored after a Facebook group created by the KV Chamber (Augusta) their page has over 1,200 citizens and businesses posting their own business updates regularly (it llaunched about a week before ours). 
This is a way for you to promote your business updates and as a citizen to see which businesses are open. The BDA site is great for their members (who are many of our members too).  This chamber Facebook group is open to businesses in all 16 communities that our chamber covers as well as citizens- and you do not need to be a member to join the group or to post.  Log on to the title link to join the group and read through all of the listings.  Like and share your favorite updates with your Facebook friends and families and invite them to join too.  

Main Street Bath's Business Google Doc
Main Street Bath has a business update Google document that is constantly getting refreshed with new information on who's open and when in the Bath area.  Great job MSB on pulling this together and thanks for sharing it.  

Pay It Forward Maine: Best Practices to Support Businesses
Our chamber has partnered with the Portland Regional Chamber, who originated this program, on a best practices campaign called Pay It Forward Maine.  It includes, hints, tips and suggestions on how we can help businesses by buying gift cards, curbside to go programs, and ways you can donate to organizations.  Two dozen or more organizations have partnered on this as well. 
Along those same lines you can read here a best practice suggestion from Executive Director Cory King that ran in our weekly SMMC News & Notes e-newsletter on March 14.  

Support Brunswick
Fred Horch, members of the Brunswick Rotary Club and other community members have started a local resource guide called Support Brunswick.  Broken down by industry this resource is updated as needed, and typically daily, and lists organizations in the area and either:
- What their needs are (usually specific items)
- What the opportunities are (usually volunteer opportunities or programs being considered)
- What services they provide (including new programs initiated to combat Covid-19)

United Way of Mid Coast Maine’s Urgent Needs Fund
United Way of Mid Coast Maine has announced creation of a special COVID-19 Urgent Needs Fund.  100% of donations will go to local agencies and initiatives meeting the increased needs of local people during the pandemic.  To donate securely online, go to their website by clicking on the title link, or you can send a check to United Way, 34 Wing Farm Parkway, Bath ME 04530.  To see the full press release click here. 

Governor Mills 14-Day Non-Essential Business Closure Executive Order
Similar to the Town of Brunswick ordinance, this executive order by the Governor also has a list of what essential and non-essential businesses are.  Here is the Maine State Chamber summary of the executive order which includes a link to the full 13-page decree.  

Unemployment Insurance Extension
On March 17, 2020 Governor Mills enacted emergency legislation that revises eligibility requirements to include situations not typically covered such as: 
- an employer temporarily ceases operation due to COVID-19 or
- an individual is quarantined with the expectation of returning to work once the quarantine is over. 
There is a full Frequently Asked Questions (FAQ) for Covid-19 Expansion page on the Maine Department of Labor website.  The title link will take you to the Maine Department of Labor Unemployment page

FAME & SBA Business Loans
Businesses could be eligible for no-interest and low-interest loans though the Small Business Administration (SBA) or Finance Authority of Maine (FAME) products.  These critical resources begin with a conversation with your preferred lender as many of the products originate from there.  However if you want to look at the products and programs click on the title link for either organization.  FAME has 3 business line products AND a loan product for individuals (up to (3) $5K loans for $15K total if eligible)  SBA has disaster loans for businesses.
Additional Loan Resources:
SBA & FAME Two-Page Loan Summary PDF (put out through Maine DECD)
FAME Loan for Individuals Requirement (put out through Maine DECD) 

Better Business Bureau Coronavirus Site
This site features scams to look out for and a collection of recommended business practices from around New England and the country.  

Other websites of note:
State of Maine website

Maine Department of Economic & Community Development website

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