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  • COVID-19 Member Guide

  • New Information on Legislation

    CARES Act

    From the U.S. Chamber of Commerce: The federal government’s Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses. Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward. The administration soon will release more details including the list of lenders offering loans under the program. In the meantime, the U.S. Chamber has issued this guide to help small businesses and self-employed individuals prepare to file for a loan:

    >>Visit their website at Coronavirus Emergency Loans Small Business Guide and Checklist


    SBA Low Interest Loans Available Now

    Small business owners in Wisconsin are currently eligible to apply for a low-interest federal loan for working capital from the U.S. Small Business Administration (SBA) due to the Coronavirus (COVID-19). These federal disaster loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of COVID-19’s impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%. The SBA offers loans with long-term repayments, up to a maximum of 30 years, in order to keep payments affordable, with terms determined on a case-by-case basis, based upon each borrower’s ability to repay.

    What forms are needed to apply?

    • Tax Information Authorization (IRS Form 4506T) for the applicant, principals, and affiliates.
    • Complete copies of the most recent Federal Income Tax Return
    • Schedule of Liabilities (SBA Form 2202)
    • Personal Financial Statement (SBA Form 413)
    • Profit and Loss statements
    • Monthly sales figures (SBA Form 1368)

    Where do businesses apply?

    • Applicants may apply online using the Electronic Loan Application (ELA) via SBA's secure website at https://disasterloan.sba.gov/ela. 
    • Paper loan applications can be downloaded from www.sba.gov/disaster. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14952 Kingsport Rd, Fort Worth, TX 76155. 
    • Disaster loan information and application forms may also be obtained by calling the SBA'S Customer Service Center at 800-659-2955
    • (800-877-8339 for the deaf and hard-of-hearing) or by sending an email to disatercustomerservice@sbg.gov.

    For more information and to apply for an SBA federal disaster loan, visit https://sba.gov/coronavirus.

    For more information on all federal programs, visit www.usa.gov/coronavirus

    NEW Gov. Evers: Directs Dept. of Health Services to issue safer at home order

    Temporary Non-Enforcement Period Applicable to the Families First Coronavirus Response Act (FFCRA)
    Specifically, the Department will not bring enforcement actions against any public or private employer for violations of the Act occurring within 30 days of the enactment of the FFCRA (i.e. March 18 through April 17, 2020), provided that the employer has made reasonable, good faith efforts to comply with the Act. For purposes of this non-enforcement position, an employer who is found to have violated the FFCRA acts “reasonably” and “in good faith” when certain facts are present. Please review these facts and other aspects of the Temporary Non-Enforcement Period right here.

    Gov. Tony Evers directed Department of Health Services (DHS) Secretary-designee Andrea Palm to issue a Safer at Home order that prohibits all nonessential travel, with some exceptions as clarified and defined in the order.

    The order is effective at 8 am on Weds., March 25, 2020 and will remain in effect until
    8 am Fri., April 24, 2020, or until a superseding order is issued.

    Individuals do not need special permission to leave their homes, but they must comply with this order as to when it is permissible to leave home. Similarly, if a business is an Essential Business or Operation as defined in this order, it does not need documentation or certification to continue its work that is done in compliance with this order.

    Businesses allowed to operate under the Safer at Home order include, but are not limited to:

    - Health care operations, including home health workers;
    - Critical infrastructure; Businesses that provide food, shelter, and social services, and other necessities of life for economically disadvantaged or otherwise vulnerable individuals;
    - Fresh and non-perishable food retailers, including convenience stores, grocery stores, farmers’ markets, and food banks;
    - Businesses that ship or deliver groceries, food and goods directly to residences;
    - Pharmacies, health care supply stores and health care facilities;
    - Child care facilities, with some limitations;
    - Gas stations and auto repair facilities;
    - Banks;
    - Laundry businesses, dry cleaners and services necessary for maintaining the safety, sanitation and essential operation of a residence, including garbage collection;
    - Hardware stores, plumbers, and electricians;
    - Educational institutions, for the purposes of facilitating distance learning;
    - Roles required for any business to maintain minimum basic operations, which includes security, and payroll;
    - Law and safety, and essential government functions will continue under the recommended action.

    The order contains detailed information regarding the exemptions provided to certain businesses. If a business is unsure about whether or not they are exempted from this order, please contact the Wisconsin Economic Development Corporation here.
    Safer at Home Order Here


    Gov. Evers Issues Emergency Order on Unemployment Benefits

    Governor Evers issued Emergency Order #7, directing the Department of Workforce development to loosen some requirements for unemployment insurance benefits during the public health emergency as declared by the Governor. The order does all of the following: The order is in place as long as there remains public health emergency declared by the Governor. See the full Emergency Order here.

    Families First Coronavirus Response Act-

    This bill responds to the coronavirus outbreak by providing paid sick leave and free coronavirus testing, expanding food assistance and unemployment benefits, and requiring employers to provide additional protections for health care workers. More on the bill here


    WEDC COVID-19 Small Business Resource Guide

    Small Business Administration Disaster Assistance-Fact Sheets and Assistance Loans Information

    Disaster Preparedness Factsheet (English|Spanish)

    Disaster Mitigation Factsheet (English|Spanish)

    Disaster Assistance Loans: Businesses & Nonprofits (English|Spanish)

    Disaster Assistance Loans: Homeowners & Renters (English|Spanish)

    Disaster Assistance Loans: Community Impact (English|Spanish)


    SBA guidance for businesses and employer to plan and respond to COVID-19 Link Here


    MRA-Coronavirus Q&A for Employers Here

    MRA-Temporary Layoff Sample Letter Here

    MRA-Compensation Guidelines Here

    MRA Members-24/7 HR Hotline (866-474-6854)


    US Chamber of Commerce- 8 Things your Small Business Needs To Do Info Here

    and Crisis Management Resources Here

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