SBA’s Economic Injury Disaster Loan (EIDL) Program during COVID-19 - Update for Yamhill County

Mar 16, 2020

To keep updated with information regarding Covid -19’s impact on our business community, we wanted to provide additional information on the SBA’s Economic Injury Disaster Loan (EIDL) Program. We will also provide some additional general resources below.

The economic injury assistance program that Governor Brown may request from the U.S. Small Business Administration (SBA) is called the Economic Injury Disaster Loan (EIDL) Program. It can provide low interest working capital loans to small businesses, small agricultural cooperatives, and most private nonprofit organizations. Loans cannot be made to governmental entities, including Tribes. Further information can be found: https://www.sba.gov/disaster-assistance/coronavirus-covid-19.

Please find the SBA “ESTIMATED DISASTER ECONOMIC INJURY WORKSHEET FOR BUSINESSES.” Most of the form entries are clear, but business owners completing the form should be advised that:

• Despite the May 2010 form date on the bottom right corner of the Worksheet, it is the current version.
• Worksheets need to be fully completed, with all questions answered regarding business revenues, whether there was any business interruption insurance, as well as the comments section. The comments section should indicate that the economic impacts are a direct result of COVID-19.
• The SBA has determined that the incident start date is January 31, 2020; the end date can (and will) vary from one business to the next and can be answered as “unknown” or “undetermined.”
• The worksheet is not an application for assistance.
• Completing a worksheet does not commit the business to later requesting the assistance, nor must a business complete a Worksheet in order to later request assistance. The Worksheets submitted merely give Governor Brown the evidence necessary to request an EIDL declaration from the U.S. SBA.

SBA declarations are done by county, and once declared, the assistance is made available in contiguous counties, even across state lines. It is important we work with our Local Emergency Managers (LEM) to gather the forms, and this worksheet be submitted to the LEM by the end of this week (March 20, 2020). The managers can also answer eligibility and other clarifying questions. The LEM will forward the forms to the Oregon Emergency Management (OEM) agency. OEM is working with the Governor’s Office on the disaster declaration steps. In order to request assistance, Governor Brown will need a minimum of five Worksheets statewide that make a good case for economic injury, and at least one for each county that wants to be included in the declaration request.

City of McMinnville and Yamhill County businesses will need to submit the form directly to our LEM, Brian Young, Director, Yamhill County Emergency Management, youngb@co.yamhill.or.us. The mailing address is 535 NE 5th St. McMinnville, OR  97128

For eligibility or clarifying questions, please contact Yamhill County Emergency Management at (503) 474-6300.

Business Oregon Survival Tips During COVID-19  provided by Tom Schnell Business Finance Officer Business Oregon | www.oregon4biz.com

The following is a notice from Secretary of State, Bev Clarno and Labor Commissioner, Val Hoyle. Thank you, Senator Boquist for the information.

We wanted to offer some guidance on a few employment laws that you may have questions concerning coronavirus. As always, it is critically important to understand and adhere to state laws that protect both workers and businesses.

The State of Oregon has many resources available for businesses and employers. Employers can call the Technical Assistance hotline at 971-673-0824 or email bolita@boli.state.or.us. 

Sick Time

• All employees get sick time. If you have 10+ employees (or 6+ in Portland), that time must be paid.
• Accrual rate is 1 hour of sick time for every 30 hours worked.
• Employees can use sick time to care for themselves, family members, for visits to medical professionals. Sick time can also be used if your child's school is closed by order of a public official for a public health emergency, such as Governor Brown’s current closure of all K-12 schools.
• Here is a poster about sick time you can share with employees.
• You can find more information on sick time & coronavirus, including a fact sheet, here.

Oregon Family Leave (OFLA)

• OFLA applies to employers with 25+ employees
• Oregonians can use Oregon Family Leave to take protected time off to care for their children during official school closures related to coronavirus. This leave is not paid unless employees use available paid time off they have, but it is protected.

Predictive Scheduling 

• Oregon’s predictive scheduling law applies only to employers with 500+ employees and requires certain advance notice of scheduling changes.
• This pandemic may result in decreases to business’ staffing needs (or unpredictable staffing needs and worker availability).
• This law provides for employer relief for extenuating circumstances such as natural disasters or declarations of public officials. This includes current emergency declarations by Governor Brown.
• Proactive communication is at the heart of this law. Employers should be proactive in communicating with employees about their operations and schedules. This virus situation changes every day, and it is a good practice for employers to communicate every day.
• Now is the time for employers to engage in the proactive activities suggested in the law to prepare for the lack of certainty in demand and scheduling to best support employees and business operations (i.e. establishing group communications, list of workers who are available to work on demand, voluntary stand-by list, frequent scheduling updates, etc.).
• You can learn more about predictive scheduling here.

Preventing Discrimination

• We continue to hear anecdotal reports of people experiencing discrimination because of fears of coronavirus, particularly around race or national origin.
• Discrimination based on race, national origin, age, sex, religion, sexual orientation, disability, and other characteristics is illegal and wrong.
• In scary times, sometimes people act with poor judgment or without facts out of fear– that’s not okay if it results in disparate treatment based on protected characteristics.
• As an employer, you can help stop and prevent discrimination.

Work Share Oregon

Employers are encouraged to check into Work Share Oregon, which can support businesses and workers to avoid mass layoffs and lost wages and benefits in times like these. Work Share can be reached at 800-436-6191 or email: oed_workshare@oregon.gov.

Small Business Advocacy

Businesses without employees or with fewer than 100 employees can contact the Office of Small Business Assistance via email at business.sos@oregon.gov or by calling toll free 1-844-469-5512

Previous Entry from March 13, 2020 regarding navigating COVID-19 for businesses including other resource links.