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COVID-19/Coronavirus - Essential Information for Small Businesses

We are continuing to compile helpful information for small businesses (including spas, medi-spas, and medical practices) to weather this tough economic time. Please check back often as more resources will be added as they become available.


There are sections below on 1. Loan Resources & Information 2. Information on Finances & Business Operations

3. Resources & Information on COVID Health Issues 4. Resources by State

5. Resources Specific to Spa/Aesthetic Businesses 6. Resources Specific to the Medical/Medi-Spa Industry


I am available for consultation on cash flow, business loans and more. Please don't hesitate to reach out through the contact page of this site. Also see my blog post on protecting your business financially.


Loan Resources & Information


American Banker: Why banks are putting PPP forgiveness on the back burner 8/10/20

New York Times: Senate Approves Extending Small-Business Program 7/1/20


K&L Gates: COVID-19: PPP Loan Borrowers - Your Information May Now Be Public 6/25/20


Journal of Accountancy: New PPP loan forgiveness applications released 6/17/20 US Treasury: Joint Statement by Treasury Secretary Steven T. Mnuchin and SBA Administrator Jovita Carranza Regarding Enactment of the Paycheck Protection Program Flexibility Act 6/8/20

Politico: Fed's massive 'Main Street' business rescue in danger of fizzling 6/2/20

Reuters: Small-business loan terms eased under U.S. House-passed bill 5/28/20

Bloomberg Tax Government’s Pandemic Business Loans Fuzzy on Accounting 5/22/20

SkinInc: COVID-19 Funding Resources for Spas and Salons 5/22/20


SBA: More Than $100 Billion in PPP Funds Still Available 5/19/20

Entrepreneur.com SBA Releases PPP Forgiveness Application and Makes Critical Clarifications and Documentation Requirements 5/18/20


Treasury and Risk Search for Solutions as the Tsunami Approaches 5/14/20


Quickbooks Eligible Self-Employed Filers Can Now File through their Quickbooks Account for PPP loans


The Hill: Bipartisan group of senators asks Treasury, SBA to loosen coronavirus loan restrictions 5/6/20


Treasury DepartmentPaycheck Protection Program Frequently Asked Questions 5/6/20


Money MagazineEverything to know about EIDL; the Small Business Loan Program Supposedly Giving out $10,000 Grants 5/5/20 CNBC Businesses continue to apply for a PPP loan. Forgiveness remains uncertain. 5/4/20

Main Street Lending Program PPP Loans have dried up for now - here's an alternative 4/30/20

New York Times: Bankers Rebuke S.B.A. as Loan System Crashes in Flood of Applications4/27/20


SBA Economic Injury "Express Bridge" Loans - Latest Information 4/25/20

Forbes Ready. Set. Go. Small Businesses and the Race for Round 2 PPP Funds 4/22/20

CNN Business Shake Shack, Ruth's Chris and other chain restaurants got big PPP loans when small businesses couldn't. 4/20/20


Small Business Administration SBA Disaster Assistance in Response to the Coronavirus 4/15/20


Money Magazine Small Business Loans and the Coronavirus Stimulus: Here's How the Major Banks Are Handling PPP Applications 4/10/20 Forbes Magazine List Of Coronavirus (COVID-19) Small Business Relief Programs 4/10/20

Marketwatch The owner of this small business explains why disaster loans aren’t the answer 3/21/20

Information on Finances & Business Operations


AP News: Thanks, but no: Small businesses shun payroll tax deferral 9/5/20


K&L Gates: Employment Issues in Health Care Mergers and Acquisitions in the Era of COVID-19 8/31/20

Accounting Today: New guidance on reporting sick and family leave wages for coronavirus relief 7/9/20

The Hill: Mnuchin: Next stimulus bill must cap jobless benefits at 100 percent of previous income 7/9/20

Inc Magazine: 3 Ways to Strengthen Your Covid-19 Cash Management Strategy 6/25/20

KL Gates: COVID-19: Distressed M&A in the Era of a Pandemic--Part 3 6/16/20 Forbes: 15 Smart Ways To Diversify Your Business' Cash Flow During A Crisis 5/29/20

Bloomberg News: Doug Ford warns 'greedy landlords' they must aid tenants


CPA Accounting Institute: Tax Breaks for US Citizens

Greenwald-Doherty When Not Working Is More Profitable Than Working


Federal Families First Coronavirus Response Act

  1. Requirement for employers with less than 500 employees to provide Paid Sick Leave and Family Medical Leave to their employees in specific situations associated with COVID-19.

  2. To offset the cost to businesses, Employer Social Security Tax will be reduced by the amount of Paid Sick and Family Medical Leave costs covered by employers.

US Chamber of Commerce Coronavirus Small Business Guide


US Chamber of Commerce Combating the Coronavirus


This document provides information on Federal/State and Private sources of relief for COVID-19. We recommend that you review the individual websites for full details.


Dept of Labor: Family Medical Leave Act - Frequently Asked Questions

Dept of Labor: Covid-19 and FMLA - Frequently Asked Questions

White House criteria for states re-opening businesses


US Unemployment OfficeUnemployment Benefits and the Coronavirus


TaxFoundation.org More Than Half the States Will Protect Businesses from Certain COVID-19-Related Unemployment Insurance Tax Hikes 5/20/20


K&L Gates Responding to COVID-19 5/13/20


American Institute of CPAsState Tax Filing Guidance5/11/20


ADP State and Local Guidance on Unemployment, Sick Leave and more 5/11/20


Small Business Administration: PPP Forgiveness Guidance For Employees Refusing to Return to Work 5/6/20


Forbes: Facing Potential Liability, Employers Act To Protect Regular Workers From COVID-19 4/9/20


Fisher Phillips - Attorneys Comprehensive And Updated FAQs For Employers On The COVID-19 Coronavirus 3/30/20


IRS Treasury, IRS and Labor announce plan to implement Coronavirus-related paid leave for workers and tax credits for small and midsize businesses to swiftly recover the cost of providing Coronavirus-related leave 3/20/20


K& L Gates COVID-19: Likely Impacts on U.S. State and Local Tax 3/16/20

Resources & Information on COVID Health Issues


MedPage Today COVID: Where Science Went to Die 8/26/20


MedEsthetics COVID-19 Is Driving Lasting Changes in Healthcare 8/20/20


MedPage Today Fraudulent Products Still Plague COVID-19 Supply Chain 7/29/20

MedPage Today Not all cloth masks are equally protective 7/23/20

WebMd Mask Up! Don't Let Down Your Guard Against COVID-19 6/30/20


Reuters: Coronavirus hotspots flare in Arizona and Florida; Oregon church linked to outbreak 6/16/20 FDA: FDA Revokes Emergency Use Authorization for Chembio Antibody Test 6/16/20 MedPage Today: Study: Think Twice About Reusing KN95 or Surgical Masks 6/15/20 Greenwald-Doherty: To Test or Not to Test: Taking Temperatures, Virus Testing, and Antibody Testing for COVID-19

MedPage Today: Here's How States Determine Re-Opening 6/5/20

CNN What employees need to know about returning to work 5/22/20


MedPage Today Universal SARS-CoV-2 Testing Is the Answer to Social Distancing 5/20/22


Business.com Find out how and when to reopen your business safely, with industry-specific advice for small business owners. 5/18/20


World Health Organization (WHO) Up to date information about Coronavirus


Centers for Disease Control (CDC) Up to date information about Coronavirus

Utah's Phased Health Guidelines for Re-Opening Businesses - See Pg 13 for Spa Services, Pg 16 for Medical Services


Business Liability? Trump Says He's Aiming to Shield Corporations From Legal Liability for Workers Who Contract Covid-19 on the Job 4/21/20

Bill Gates - Opinion Article Mass Shutdowns Needed to Stop Virus 3/27/20


Resources by State


State & Territorial Health Department Websites Quickbooks Intuit Payroll Update Some State Withholding and Unemployment agencies are investigating potential delays to tax payment and filing due dates. As Intuit researches agency changes, we recommend staying up to date by looking for information directly on each state agency specific websites.


Alabama

COVID-19 Response Plan Approved by the Birmingham City Council 3/17/20


Arizona Arizona spas, massage therapists can reopen May 13. Here's how. 5/12/20


California

Blueprint for a Safer Economy - Find the status of activities in your county 9/1/20 CalOSHA Industry Guidance - Expanded Personal Care Services 7/29/20 CalOSHA Industry Guidance - Hair Salons and Barbershops 7/29/20

California Board of Barbering and Cosmetology Board Meeting Notice - Public Teleconference Meeting Scheduled for August 3rd 7/24/20 California Industry Guidance to Reduce Risk 7/20/20 California Department of Public Health Covid-19 Industry Guidance; Expanded Personal Care Services 6/10/20 California Board of Barbering and Cosmetology New Guidelines for Salons 5/28/20

California Board of Barbering and Cosmetology - Returning to Work Checklist 5/28/20

Re-opening Guidance for Hair Salons & Barbershops 5/24/20 PBFC & Dhillon Law Group to Fight California Shutdown Extension 5/22/20

‘No One Needs Botox in a Pandemic.’ But Some in Beverly Hills Are Now Getting It.

The Governor’s Office of Business and Economic Development has compiled helpful information for employers, employees and all Californians as it relates to the cornonavirus (COVID-19) outbreak.

San Francisco specific Resources for Businesses and Employees Impacted by COVID-19


Colorado

Open for Business: The Salon at Spa Anjali 5/5/20

Denver specific Mayor announces $4 million relief fund for Denver businesses hurt by coronavirus 3/19/20


Connecticut

Effective Immediately DRS Extends Filing Deadline for Certain Annual State Business Tax Returns 3/14/20


Delaware

Governor Carney Announces HELP Program to Support Delaware Small Businesses 3/18/20


Florida

Florida Small Business Emergency Bridge Loan Program 3/27/20

Florida Department of Revenue offices closed - all business being conducted online


Georgia Nurses: Georgia Hospital Tried to Cover Up COVID Cases 6/24/20

Should Georgia Spas Reopen? [What You NEED to Know] 4/24/20

Safety Guidelines for reopening Barber and Cosmetology Salons


Indiana

Granger spa tries to offer relaxing experience while also following safety provisions 5/12/20


Louisiana Salon owner creates outdoor hair cutting station as business reopens under 'Phase One' 5/19/20

Maryland

SBA Economic Injury Disaster Loan Update 3/19/20

Comptroller Franchot's Statement on COVID-19 Pandemic extending tax payment deadlines 3/12/20

Massachusetts

Coronavirus relief: Massachusetts’ $10 million Small Business Recovery Loan Fund stops taking applications after 3 days 3/19/20


A Guide for Filing for Unemployment in Massachusetts 3/18/20


Michigan

Resources for Michigan Businesses During COVID-19


New Mexico

New Mexico Offers New Loan Program, Priority Assistance to Virus-Impacted Businesses 3/13/20


New York

SBA Coronavirus Economic Injury Disaster Loan

New York City specific Assistance & Guidance for Businesses Impacted Due to Novel Coronavirus


North Carolina

Governor Cooper Requests Small Business Administration Disaster Declaration to Aid COVID-19 Response 3/16/20


North Dakota

COVID-19 Business and Employer Resources


Ohio Local salon, barber, spa owners push for a reopen date of their own 5/6/20


Oregon

Oregon OSHA Draft COVID-19 Temporary Standards 8/17/20

Coronavirus (COVID-19) Resources for Businesses


Pennsylvania

Pa. small businesses hit by Coronavirus getting $61M in emergency loans 3/19/20


Texas

MedPage Today: Record-Setting Day; Texas Pauses Reopening; Run on Dexamethasone 6/26/20 Here’s how small business owners can help Texas qualify for Economic Injury Disaster Loans 3/21/20


Utah

Phased Health Guidelines for Re-Opening Businesses

Disaster Loans Are Now Available In Utah For Owners Of Small Businesses, Nonprofits 3/18/20

Washington

Washington State Indoor Fitness and Training COVID-19 Reopening Requirements 8/3/20 King County Safe Start Reopening Guidelines - Phase 2 6/22/20 Washington State Phase 2 Fitness and Training Restart 6/21/20 Washington State Chamber of Commerce Business & Worker Update 6/10/20 Washington State Chamber of Commerce Business & Worker Update 6/3/20 Washington State Returning to Work Dashboard 6/4/20

Inslee issues additional guidance for real estate and fitness operations in Phase 2 5/19/20 Phase 2 Personal Services COVID-19 Requirements 5/13/20 Safe Start Washington - A Phased Approach to Recovery 5/4/20 COVID-19 Risk Assessment Dashboard COVID-19 Reopening Guidance for Businesses and Workers Washington's Phased Approach 5/14/20 Business & Worker Update 5/13/20 Washington State Department of Commerce Business and Worker's Update April 22 4/22/20

Department of Labor & Industries: Information on filing your quarterly reports 4/8/20

COVID-19 Business Resources For Washington State


Resources Specific to Spa/Aesthetic Businesses


Professional Beauty: Facial Treatments to Resume in England August 1 7/17/20 SkinInc: 10 Things To Create a Safe, Positive Reopening 6/9/20 Aesthetic Channel: R.E.O.P.E.N. – It's how you spell success 5/28/20 SkinInc: Dermalogica Releases COVID-19 Safety Standards & Online Certification 5/27/20 MindBody Business Reboot Kit: How to Reopen Your Salon, Spa, or Wellness Business Post COVID-19 5/22/20

SkinInc: COVID-19 Funding Resources for Spas and Salons 5/22/20

NCEA is loaning members $500 to get their NCEA Certified credential and optimize their time off!

iSpa Spa Reopening Toolkit 5/22/20

Salon owner creates outdoor hair cutting station as business reopens under 'Phase One' 5/19/20

Forbes Feeling Positive: How The Spa And Wellness Industry Is Reacting Now... And Planning For The Future 5/18/20

Washington State Phase 2 Personal Services COVID-19 Requirements 5/13/20

iSpa Video: Spa Reopening Q&A with Dr. Brent Bauer and Dr. Nadir Bhuiyan 5/11/20 SpaInsider Webinar Recording Financial Uncertainty & Opportunity for Spas as a Result of COVID-19 5/7/20

ProBeauty Back to Work Guidelines for Spas 5/19/20

EPA-Approved List of Disinfectants to Use Against COVID-19

Open for Business: The Salon at Spa Anjali 5/5/20

Your Spa has Been Ordered to Close: Now What? 3/28/20 SkinInc: Esthetics Council Releases COVID-19 Safety Guidelines 3/20/20

Aesthetic Experts Go Virtual During Coronavirus Pandemic 3/20/20

COVID-19 and the Spa Industry: A Resource Guide 3/19/20

9 Ways to Make the Most of Slow Business 3/18/20

5 Ways Clients Can Support Salons During COVID-19 3/18/20

SkinInc: 9 Tips to Keep Your Spa COVID-19 Free 3/16/20

Coronavirus and it's Effect on the Massage Industry 3/9/20


Resources Specific to the Medical/Medi-Spa Industry

New Yorker: America's Looming Primary Care Crisis 7/25/20

K&L Gates Hub: COVID-19: Navigating The Path To Recovery - Planning for Life After Stark 1135 Waivers 6/2/20 MedPage Today Revenue Drying Up for Clinics Shuttered by COVID-19 6/2/20 MedPage Today: Financial Implications of COVID-19 for U.S. Physicians 6/1/20 Aesthetic Channel: R.E.O.P.E.N. – It's how you spell success 5/28/20 MedPage Today Can PCPs Survive COVID-19? Only If Fee-for-Service Goes

iSpa Spa Reopening Toolkit 5/22/20

Forbes Feeling Positive: How The Spa And Wellness Industry Is Reacting Now... And Planning For The Future 5/18/20

iSpa Video: Spa Reopening Q&A with Dr. Brent Bauer and Dr. Nadir Bhuiyan 5/11/20 MedPage Today: Physician Burnout, Interrupted 5/1/20

EPA-Approved List of Disinfectants to Use Against COVID-19

UPDATED Nursing and Long-Term Care FacilitiesCoronavirus (COVID-19) Considerations 4/24/20

Centers for Medicare and Medicaid Services Recommendations Re-opening Facilities to Provide non-emergent Non-COVID-19 Healthcare: Phase 1 4/19/20

CARE'S Act Surprising Overhaul of Substance Abuse Disorder Confidentiality 4/15/20

Expanding Telehealth Beyond the COVID-19 Pandemic 3/17/20

SkinInc 9 Tips to Keep Your Spa COVID-19 Free 3/16/20

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