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COVID-19 Resources for Small Businesses

A comprehensive guide to navigating COVID-19 as a Business Owner

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A Message to Our Customers

Now more than ever, small businesses are the backbone of our nation’s economy. That’s why here at Fora Financial, we want to offer support as your business recovers from the COVID-19 pandemic. Whether your business is in the process of reopening, is struggling to make ends meet, or is in a state that remains shut down, we’re here to help!

In addition, we want you to know that Fora Financial remains open and available to assist you. If you have any questions or concerns regarding your account, please don’t hesitate to contact us at [email protected].

Select your state to see resources and assistance offered in your state:

Alabama began reopening businesses on May 1st, and the state entered its second stage on May 22nd. However, the state has since seen an increase in COVID-19 cases, so the governor is extending this phase until the end of July.

Last updated on July 9th.

 

 

 

Alabama News & COVID-19 Resources

Alabama Department of Health

Alabama Unemployment Resources

Alabama's Reopening Plan

On May 22nd, all businesses were given permission to reopen at 100% capacity. However, local communities were given the option to enforce stricter rules if they felt necessary.

Last updated on July 8th.

Alaska COVID-19 Information

Alaska's Reopening Plan

Alaska Department of Health

Alaska Unemployment Resources

On May 8th, Arizona's governor gave retail stores the permission to reopen, with social distancing measures in place. In addition, barbershops and salons can also provide services.

Starting May 11th, restaurants were permitted to offer dine-in services, and the stay-at-home order ended on May 1th. However, Arizona's case numbers have significantly increased since these dates. Due to this, the state has "paused" its reopening plan. Until at least the end of July, bars, gyms, movie theaters, and water parks are closed.

Last updated on July 10th.

Arizona Coronavirus News & Updates

Arizona Department of Health Resources

Arizona Unemployment Resources

Arizona's Reopening Plan

Arkansas was one of the few states that didn’t issue a stay-at-home order due to COVID-19. However, restaurants, gyms, and personal service businesses were ordered to close. In early May, most of these businesses were given permission to reopen with guidelines in place. However, the state's reopening plan has since been paused due to an increase in cases.

Last updated on July 9th.

Arkansas COVID-19 Information

Arkansas Reopening Plan

Arkansas Department of Health

Arkansas Unemployment Resources

At this time, the state is reopening on a county by county basis. Due to the state's increase in COVID-19 cases, the state has closed bars, indoor dining, and other indoor activities in some counties until case numbers decrease.

Last updated on July 10th.

 

California COVID-19 Resources

California Department of Health

California Unemployment Resources

California's Reopening Plan

On April 26th, the state's stay-at-home order expired, and businesses began reopening on a rolling basis in May and June.

Unfortunately, many of Colorado's neighboring states have since seen an uptick in COVID-19 cases. In response, the governor announced on July 1st that bars would be closed until further notice. To reopen bars, counties will need to meet certain criteria. He also extended the state's Safer at Home phase.

At this time, casinos remain closed.

Last updated on July 10th.

 

Colorado COVID-19 Information Page

Colorado Department of Health

Colorado Unemployment Resources

Colorado Reopening Plan

Connecticut is one of the states in the Northeastern coalition that’s working to create economic recovery in the area. The state began reopening on May 20th.

Currently, the state is in phase two. Originally, it was projected that the state would enter phase three by now, but the governor postponed this due to increased case numbers in neighboring states. At this time, bars remain closed.

Last updated on July 9th.

Connecticut COVID-19 Resources

Connecticut Unemployment Resources

Connecticut State Department of Health

Connecticut's Reopening Plan

Delaware’s shelter in place order expired on May 31st, but some restrictions were lifted prior to this date. The state is part of the Northeastern coalition working to resume operations in this area of the country.

On June 15th, the state began phase two, and was scheduled to begin phase three by the end of the month. However, Delaware's COVID-19 case numbers increased, and the governor has since delayed the start of phase three.

Last updated on July 10th.

Delaware Coronavirus Resources

Delaware Unemployment Resources

Delaware's Reopening Plan

Delaware Health & Social Services

The state’s stay at home order ended on April 30th. On May 4th, certain businesses were given permission to reopen, except for businesses in Broward, Miami-Dade, and Palm Beach counties.

Due to a significant surge in COVID cases, the governor announced on June 26th that all bars will be closed until case numbers decrease.

Last updated on July 10th.

 

Florida COVID-19 Resources

Florida Unemployment Resources

Florida's Reopening Plan

Florida Department of Health

Georgia’s shelter in place order ended on April 30th. However, individuals who are medically fragile and elderly individuals were advised to shelter in place until June 12th. Although the state has seen an uptick in COVID-19 cases, the reopening plan is still in effect.

Last updated on July 9th.

Georgia COVID-19 Resources

Georgia Unemployment Benefits

Georgia Department of Health

Georgia Reopening Plan

Hawaii's stay-at-home order ended on May 31st. Each island has permission to set its own reopening plan with the governors approval.

Last updated on July 9th.

 

Hawaii COVID-19 Resources

Hawaii Unemployment Resources

Hawaii Department of Health

On May 1st, the state began stage one of their recovery plan, which allowed some businesses to reopen with social distancing measures in place. The state was on schedule, moving to a new stage almost every two weeks since May 1st. However, case numbers began to climb, so the full reopening has been postponed until further notice.

Last updated on July 10th.

Idaho Coronavirus Resources

Idaho's Reopening Plan

Unemployment Insurance in Idaho

Idaho Department of Health

On June 26, Illinois moved into its fourth reopening phase. In this phase, restaurants and bars can reopen for in-person service. In addition, schools and daycare centers can resume their operations. However, Chicago is following its own reopening plan, which is slower than the rest of the state.

Last updated on July 9th.

Illinois COVID-19 Updates

Illinois Unemployment Resources

Illinois Department of Health

Indiana is part of the Midwest coalition of states collaborating on re-opening safely.

On May 4th, the state began its reopening plan. It was projected that Indiana would begin the fifth and final stage of its reopening plan this month, which would've lifted business' capacity restrictions. However, the governor announced that the state would postpone moving to the final stage due to an increase in COVID-19 cases.

Last updated on July 10th.

Indiana COVID-19 Resources

Indiana Unemployment Benefits

Indiana Health Department

Indiana's Reopening Plan

Iowa is one of the few states that didn’t declare a stay-at-home-order due to COVID-19. However, social distancing and business closures were required. In some counties with higher virus activity closures were extended through May 15th.

Capacity limits were lifted for all businesses on June 10th.

Last updated on July 8th.

Iowa COVID-19 Resources

Iowa Unemployment Resources

Iowa Health Department

Iowa Reopening Plan

Kansas’s stay-at-home order ended on Monday, May 4th and the state began to reopen businesses with social distancing measures in place.

Beginning July 3rd, Kansas residents and visitors were ordered to wear masks in public.

Last updated on July 8th.

Kansas COVID-19 Resources

Kansas Unemployment Benefits

Kansas Reopening Plans

Kansas Department of Health

The state began its reopening plan in early May, and all industries have since been given clearance to reopen. However, gatherings are still limited to 50 people or less.

Last updated on July 8th.

Kentucky COVID-19 Updates

Kentucky Unemployment Resources

Kentucky Department of Public Health

Kentucky Reopening Plan

Louisiana's stay-at-home order expired on May 15th, and the state later moved to phase two of its reopening plan on June 5th. However, after seeing an increase in COVID-19 cases, the governor has postponed progression to the third phase.

At this time, concert venues and amusement parks remain closed.

Last updated on July 10th.

 

Louisiana COVID-19 Resources

Louisiana Unemployment Resources

Louisiana Department of Health

Louisiana Reopening Plan

The state's stay-at-home order expired on May 31st. Counties with a small number of COVID-19 cases were given permission to open quicker than those with large numbers. At this time, most businesses have been given clearance to reopen. However, bars are still closed for indoor service.

Last updated on July 9th.

Maine COVID-19 Updates

Maine Unemployment Resources

Maine Department of Health

Maine Reopening Plan

On March 30th, Governor Larry Hogan issued a stay-at-home order for the state, which ended on May 1th in most counties. At this time, most industries have been given permission to reopen, with the exception of theaters.

Last updated on July 9th.

 

Maryland COVID-19 Resources

Maryland Unemployment Insurance

Maryland Department of Health

Maryland Reopening Plan

Massachusetts four phased reopening began in May. The third phase began on July 6th. However, Boston hasn't been given clearance to proceed.

At this time, bars, entertainment-related businesses, and gyms remain closed.

Last updated on July 9th.

Massachusetts COVID-19 Information

Massachusetts Unemployment Insurance

Massachusetts Department of Health

Massachusetts Reopening Plan

Michigan’s stay-at-home order expired on June 1st, with many industries given clearance to reopen the following week. However, the governor has since paused the state's reopening and closed indoor bars in most of the state's counties. In addition, gyms remain closed.

Last updated on July 10th.

 

Michigan COVID-19 Resources

Michigan Unemployment Benefits

Michigan Department of Health

Michigan Reopening Plan

Minnesota’s stay-at-home order ended May 17th, and most businesses received clearance to reopen with guidelines in place.

Currently, the state is in Phase 3 of its reopening plan. Businesses are being asked to encourage telework whenever possible and have a COVID-19 preparedness plan in place. In addition, retail stores and restaurants can't exceed 50 percent capacity.

Last updated on July 8th.

Minnesota COVID-19 Response

Minnesota Unemployment Benefits

Minnesota Department of Health

Minnesota Reopening Plan

On June 1st, the state allowed all businesses to reopen on June 1st. However, the state saw its highest daily increase in cases the following week. Due to this, the governor has since paused further reopening plans.

Last updated on July 10th.

 

Mississippi COVID-19 Response

Mississippi Unemployment Resources

Mississippi Reopening Plan

The stay-at-home order for Missouri residents ended on May 3rd, and all business restrictions were lifted on June 16th. However, the state has seen large single-day increases in COVID-19 cases since then.

Last updated on July 8th.

Missouri COVID-19 Resources

Missouri Unemployment Benefits

Missouri Department of Health

Missouri Reopening Plan

The state’s phased reopening began on April 27th, with main street and retail businesses being allowed to reopen on this date as long as social distancing measures were met. On June 1st, all businesses were given permission to roepen with guidelines in place.

On May 7th, schools were given the option to reopen for the remainder of the academic year.

Last updated on July 8th.

Montana COVID-19 Resources

Montana Unemployment Benefits

https://dphhs.mt.gov/

Montana Reopening Plan

Nebraska is among the few states that didn’t issue a stay-at-home order. However, restrictions were set for business operations.

The state's reopening plan began on May 4th. Currently, most of the state is in Phase 3.

Last updated on July 8th.

 

Nebraska COVID-19 Resources

Nebraska Unemployment Benefits

Nebraska Reopening Plan

Nevada's stay-at-home order was scheduled to end on May 15th, but the governor decided to end it on April 27th instead. On June 1st, all businesses were permitted to reopen. However, after an increase in COVID-19 cases, the governor postponed the state's full reopening on July 1st.

Last updated on July 10th.

 

Nevada COVID-19 Responses

Nevada Unemployment Benefits

Nevada State Department of Health

Nevada Reopening Plan

Starting June 15th, most industries given the clearance to begin reopening as the stay-at-home order expired. The final round of businesses were given permission to reopen on June 29th. These businesses include amusement parks, indoor movie theaters, and performing arts centers.

Last updated on July 8th.

New Hampshire COVID-19 Resources

New Hampshire Unemployment Benefits

New Hampshire Department of Health

New Hampshire Reopening Plan

In the state's "Road Back" plan, Governor Murphy outlined six metrics that would dictate when restrictions would be lifted. These metrics include 14-days of new COVID-19 cases and hospitalizations declining, and more testing throughout the state.

New Jersey's stay-at-home order was lifted on June 9th, with businesses reopening throughout May and June. As of July 9th, indoor dining has yet to commence. In addition, breweries, wineries, distilleries, and movie theaters remain closed.

Last updated on July 9th.

 

New Jersey COVID-19 Resources

New Jersey Unemployment Benefits

New Jersey Department of Health

New Jersey Reopening Plan

New Mexico’s reopening plan began on May 1st, in which some nonessential businesses were given permission to partially reopen with delivery and curbside pickup services on May 16th. However, the state's stay-at-home order was extended until May 31st.

The state's next phase of reopening has been delayed until further notice. Bars, casinos, and theaters remain closed.

Last updated on July 10th.

 

New Mexico COVID-19 Updates

New Mexico Unemployment Benefits

New Mexico Department of Health

New Mexico Reopening Plan

New York Governor Andrew Cuomo released a 12-step reopening plan on April 27th. In each phase, regional hospitalization rates must decline for 14 days. In each phase, officials will evaluate a business’s overall importance and risk to the public if they were to reopen.

By June 24th, all New York regions (excluding New York City) had reached the third stage. On July 6th, NYC began phase three. However, indoor dining is still not permitted.

Movie theaters, casinos, amusement parks, bowling alleys, and gyms remain closed throughout the state.

Last updated on July 9th.

New York COVID-19 Resources

New York Unemployment Insurance

New York Department of Health

New York Reopening Plan

North Carolina began reopening businesses in May. Unfortunately, the state saw an increase in cases by late June, and the governor decided to delay proceeding further in the reopening plan. In addition, residents are now required to wear face coverings in public.

Bars, gyms, nightclubs, and movie theaters remain closed.

Last updated on July 10th.

North Carolina COVID-19 Resources

North Carolina Unemployment Insurance

North Carolina Department of Health

North Carolina Reopening Plans

On May 1st, many businesses were given clearance to re-open, including bars, restaurants, recreational facilities, and salons. However, social distancing must be maintained, in addition to patrons and employees wearing face masks.

Per the state's governor on June 23rd, several counties in the state are close to reaching the final reopening plan stage. Reaching this stage would allow businesses to resume normal operations, while still following some basic precautions to continue avoiding the spread of COVID-19.

Last updated on July 8th.

North Dakota COVID-19 Resources

North Dakota Unemployment Benefits

North Dakota Department of Health

North Dakota Reopening Plan

The state's stay-at-home order was lifted on May 1st. Since then, businesses have been given permission to reopen with safety guidelines in place. However, on July 2nd, the Governor asked seven of the state's counties to limit activities as much as possible to avoid further spread. In addition, face masks in public are now required in these areas.

Last updated on July 9th.

 

Ohio COVID-19 Resources

Ohio Unemployment Benefits

Ohio Reopening Plans

The state's three-phase reopening plan began on April 24th. Currently, the state is in the final phase, which began in June. In this final phase, all business restrictions have been lifted and group gatherings can commence. However, residents are still encouraged to social distance.

Last Updated on July 8th.

Oklahoma COVID-19 Resources

Oklahoma Unemployment Insurance

Oklahoma Department of Health

Reopening Plans for Oklahoma

The state began its reopening plan on May 15th.  Although most counties have reached phase two, the governor recently announced that phase three will not begin until September at the earliest. This is due to COVID-19 case increases in many of the state's counties.

Last updated on July 10th.

Oregon COVID-19 Updates

Oregon Unemployment Benefits

Oregon Department of Health

Oregon Reopening Plans

The state is part of the Northeastern states coalition, working together to reopen the economy. Currently, Pennsylvania's reopening phases are broken down into three colors; red, yellow, and green. In addition, wearing a mask is required in public.

By June 5th, all counties had began a reopening phase and most businesses have reopened in some capacity.

Last updated on July 9th.

 

Pennsylvania COVID-19 Resources

Pennsylvania Unemployment Benefits

Pennsylvania Department of Health

Pennsylvania Reopening Plans

Rhode Island is part of the Eastern coalition working together to reopen the economy. In addition, Rhode Island is offering a smartphone app for residents called "Crushing COVID." State residents can utilize this app to learn about the latest reopening plans.

The state's stay-at-home order expired on May 8th, with phase one of their three-phase reopening plan beginning the next day. Currently, the state is in the final stage, with most businesses given clearance to reopen. However, the governor revised phase three to reduce indoor social gatherings to a maximum of 25 people.

Last updated on July 9th.

Rhode Island COVID-19 Resources

Rhode Island Unemployment Benefits

Rhode Island Department of Health

Rhode Island Reopening Plans

On May 4th, South Carolina’s “Work-or-Home” order was lifted. The state allowed outdoor dining services to resume at this time, and dining rooms can also now reopen with some restrictions in place. Retail stores have also been given clearance to reopen at 20% capacity.

On May 18th, public or commercial pools, commercial gyms, fitness and exercise centers, and close contact service providers were permitted to open with limited capacity. In addition, tourist attractions were permitted to open by Memorial Day. However, with cases rising throughout the state, concert venues, nightclubs, race tracks,  and movie theaters remain closed.

Last updated on July 10th.

 

South Carolina COVID-19 Updates

South Carolina Unemployment Benefits

South Carolina Department of Health

South Dakota is one of the few states that didn’t issue a stay-at-home order or close essential businesses due to the COVID19 crisis.

Last updated on July 8th.

South Dakota COVID-19 Updates

South Dakota Unemployment Benefits

South Dakota Department of Health

The state's reopening plan began on April 27th, and all counties are now in some phase of reopening. However, the state has recently seen a spike in COVID-19 cases, causing some areas to pause or limit next steps.

Last updated on July 9th.

Tennessee COVID-19 Updates

Tennessee Unemployment Insurance

Tennessee Department of Health

Tennessee Reopening Plans

The state’s stay-at-home order expired on May 1st, and nonessential businesses such as restaurants, retail stores, movie theaters and libraries were given clearance to reopen at 25 percent capacity. Since then, most businesses were permitted to reopen with guidelines in place.

After a significant surge in COVID-19 cases, the governor closed bars and reduced restaurant capacity. On July 3rd, he asked residents to stay home when possible. In addition, in counties with more than 20 positive cases, face coverings are required.

Last updated on July 10th.

 

COVID-19 Updates for Texas

Texas Department of Health

Texas Unemployment Resources

Texas Reopening Plans

Although Utah didn’t have a stay-at-home order in place, Governor Gary Herbert mandated “moderate risk” protocols that ended on May 16th.

On May 1st, restaurants were given permission to provide in-house dining if they followed safety measures. Since then, most industries, including gyms and salons have received permission to reopen.

Last updated on July 9th.

Utah COVID-19 Updates

Utah Unemployment Resources

Utah Department of Health

Utah Reopening Plan

The state’s stay-at-home order was extended until May 15th, but many businesses were able to reopen on May 4th, including construction and distribution companies. On May 18th, the state's reopening plan commenced. Since then, gyms, restaurants, and other businesses have reopened.

Last updated on July 9th.

Vermont COVID-19 Updates

Vermont Unemployment Resources

Vermont Department of Health

Vermont Reopening Plan

Virginia’s reopening plan began on May 15th in most of the state. However, northern Virginia remained closed until May 28th. As of July 1st, all counties are in Phase 3.

Last updated on July 9th.

 

Virginia COVID-19 Updates

Virginia Unemployment Resources

Virginia Department of Health

Virginia Reopening Plans

At this time, all of Washington's counties have entered the state's reopening plan. However, the governor will not let any county move to phase four at this time. In addition, face masks are covered in all public places.

Last updated on July 10th.

 

Washington COVID-19 Resources

Washington Unemployment Resources

Washington Department of Health

Washington Reopening Plan

West Virginia’s governor released a six-week reopening plan, which began on April 30th. Nonessential businesses that are permitted to reopen must practice social distancing, wear face coverings, and sanitize their establishment. Additional guidance was given to certain industries to ensure a safe reopening.

The first phase allowed non-urgent medical procedures to resume, and the second phase enabled small businesses with less than 10 employees to open.

On May 18th, fitness centers, gyms, and recreation centers were permitted to reopen with guidelines in place.

In addition, indoor dining and retail stores could resume service on May 21st. This also includes shopping malls. On May 26th, bars opened at 50% capacity, in addition to museums, zoos, and visitor centers.

Last Updated on July 9th.

 

West Virginia COVID-19 Website

West Virginia Unemployment Resources

West Virginia Department of Health

West Virginia Reopening Plans

Wisconsin’s stay-at-home order was initially extended until May 26th, but the Wisconsin Supreme Court overturned it, ruiling it unlawful and unenforceable. At this time, there are no other COVID-19 plans for the state, but some counties have placed their own restrictions on businesses.

Last updated on July 8th.

Wisconsin Department of Health

Wisconsin COVID-19 Updates

Wisconsin Unemployment Resources

Wisconsin Reopening Plans

One of the few states without a stay-at-home order, Wyoming began reopening businesses on May 1st. However, the state has since seen an increase in COVID-19 cases. To combat this, the governor is extending restrictions for bars, gyms, and restaurants until at least July 15th.

Last updated on July 10th.

 

Wyoming COVID-19 Resources

Wyoming Unemployment Resources

Wyoming Department of Health

Wyoming Reopening Plan

What Can My Business Do During This Time:

Stay Up to Date on the Latest News:

As you likely know, the COVID-19 crisis is continuing to unfold. The WHO, CDC, and government officials are updating the public as news breaks, so it’s pertinent that you stay informed as a business owner.

In many states, non-essential businesses were required to close and are now in the process of reopening. In many cases, there are capacity and safety measures in place. If unsure, please visit your state governor’s website for more information.

Contact Your Customers:

If your business is able to reopen, make sure that your customers know your hours, capacity, and the measures you’re taking to keep them safe. Ensure that they know how you can provide them with your products or services by emailing them, posting updates on your social media channels, and maintaining your website.

Focus on Generating Revenue :

The COVID-19 pandemic has caused economic stress for businesses across many industries.

If your business’s typical operations have been affected by COVID-19, you can still generate sales by offering discounted gift cards for future purchases, selling items online, and offering virtual consultations when possible.

In addition, if you’ve been able to reopen your business, ensure that you have ample working capital available. This will enable you to invest in your business and hopefully return to normal operations.

The CARES Act

To support small businesses affected by COVID-19, The U.S. Senate Committee on Small Business & Entrepreneurship has passed The Coronavirus Aid, Relief, and Economic Security Act (CARES Act). Through the CARES Act, the SBA will facilitate financing and resources to ensure that business owners can survive these trying times.

Below, we’ll review the main financing programs included in the CARES Act.

Economic Injury Disaster Loan (EIDL):

If your business is in a declared disaster area due to COVID-19, you can pursue an Economic Injury Disaster Loan from the SBA. This loan can be used for fixed debts, payroll, accounts payable, rent, utilities, and other bills.

Paycheck Protection Program:

If your business experiences economic hardships between February 15th and June 30th, you may qualify for the PPP. This federally guaranteed option will provide loans to businesses maintaining payroll costs during the COVID-19 crisis. The maximum term for this loan is 10 years, and the maximum loan size is $10 million. To apply, please contact an official SBA 7(a) lender.

To learn more about The CARES Act and how applying for these financing options could help your business, Click Here.

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