Some great new COVID Resources March 27

  1. Oregon Coronavirus Information and Resources page:
  2. Webinars & info to help businesses establish an on-line presence – collected all the info from previous emails into one on this topic
    1. Description of different on-line platforms (pros & cons)
    2. OMS is hosting a conversation w/Stephen Hodges on Tuesday, March 31. Stephen will give an overview of various tools, but then open for business owners to ask questions about their specific needs or issues regarding establishing an on-line presence. Please share this info w/your business owners:

Session Description:

COVID-19 has forced many businesses to create or enhance their online presence to keep their businesses going. Today we will talk about some basic online tools that are helpful to many small businesses including webpages, social media, SEO, paid ads, and much more. Bring your current business situations to the meeting if you are open to sharing your challenges and potential solutions to others!

  1. Recording: Ben Muldrow talks w/Chris about Retailers Heading Online Watch Here this has some specific tips for selling on-line – starts w/some info on restaurants, but online starts around 8 minutes or so in.
  2. Recording of Emergency Ecommerce – Learn how to use PayPal to add e-commerce to your website and promote products Click Here
  3. Webinars for Business Owners and Entrepreneurs hosted by Oregon RAIN on Mondays from 3-4 pm Schedule & Register:

March 30:  Knowing Your Customer is More Important Than Ever
April 6:      Social Media 101: Maintaining Customer Engagement During COVID-19
April 13:    Going Online: Digital Sales in the Era of COVID-19 
April 20:    Startup Sales & Marketing Tips
April 27:    Getting Kids Excited About Entrepreneurship

  1. E-commerce Tutorials – big shout-out to Mary Bosch with Marketek for researching  (for WordPress sites) (WordPress)  (Best for Squarespace subscribers) (overview of popular E-commerce platforms)

  1. NAO provides summary of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act)

Nonprofit Association of Oregon provided a summary of the Coronavirus Aid, Relief, and Economic Security Act. Please pay attention to the section related to nonprofits. This text was taken from their e-news sent out March 26, 2020.

Agreement reached on the Coronavirus Aid, Relief, and Economic Security Act (CARES Act)

Congressional and Administration negotiators reached agreement on the Phase 3 COVID-19 economic stimulus bill early Wednesday morning and that the Senate and House hope to pass the $2 trillion legislation in the coming days. There is a lot in the CARES Act that many of your organizations have been asking for.

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) (S. 748) provides significant funding for workers, businesses, hospitals, schools, and social support programs, among many other things. Below are key nonprofit sector-wide issues on which advocates have been most active. These are based on an initial analysis of a 1,000 page bill. More details may become apparent with more thorough analysis.


Direct Payments to adults of $1,200 or less and $500 per child ($3,400 for a family of four) to be sent out in weeks. The amount of the payments phases out based on earnings of between $75,000 and $99,000 ($150,000 / $198,000 for couples).

Expanded Unemployment Insurance: Includes coverage for workers who are furloughed, gig workers, and freelancers. Increases payments by $600 per week for four months on top of what state unemployment programs pay.

Amendments to the New Paid Leave Mandates: Lowers the amounts that employers must pay for paid sick and family leave under the Families First Coronavirus Response Act* (enacted March 19) to the amounts covered by the refundable payroll tax credit – i.e., $511 per day for employee sick leave or $200 per day for family leave.

Significant Spending: The bill also calls for large infusions of cash to the following sectors:

·        $150 billion for a state, tribal, and local Coronavirus Relief fund

·        $130 billion for hospitals;

·        $15.5 billion in additional funding for the Supplemental Nutrition Assistance Program (SNAP);

·        $8.8 billion for child nutrition programs;

·        $450 million for nonprofit food banks through The Emergency Food Assistance Program (TEFAP);

·        $50 million for legal services;

·        $400 million in election grants to states to help with vote by mail and expansion of early voting and online voter registration programs;

·        $75 million for the National Endowment for the Arts and $75 million for the National Endowment for the Humanities, much of which will go to support the operations of nonprofit arts and cultural organizations;

·        $3.5 billion for the Child Care Development Block Grant program;

·        $750 million for Head Start; 

·        $1 billion for the Community Service Block Grant;

·        $5 billion for the Community Development Block Grant;

·        $4 billion in Emergency Solutions Grants to help families who are experiencing homelessness or are at risk of losing their homes; and

·        $3 billion in rental assistance for low-income Americans.


Emergency Small Business Loans (emergency SBA 7(a) loans): Provides funding for special emergency loans of up to $10 million for eligible nonprofits and small businesses, permitting them to cover costs of payroll, operations, and debt service, and provides that the loans be forgiven in whole or in part under certain circumstances. Title ISection 1102.

·        General Eligibility: Available to entities that existed on March 1, 2020 and had paid employees.

·        Nonprofit Eligibility: Available for charitable nonprofits with 500 or fewer employees (counting each individual – full time or part time and not FTEs). The final bill does not include a provision in earlier drafts that would have disqualified nonprofits that are eligible for payments under Title XIX of the Social Security Act (Medicaid).

·        Loan Use: Loan funds could be used to make payroll and associated costs, including health insurance premiums, facilities costs, and debt service.

·        Loan Forgiveness: Employers that maintain employment between March 1 and June 30 would be eligible to have their loans forgiven, essentially turning the loan into a grant. Section 1106.

Economic Injury Disaster Loans (EIDL): Eliminates creditworthiness requirements and appropriates an additional $10 billion to the EIDL program so that eligible nonprofits and other applicants can get checks for $10,000 within three days. Section 1110.

Self-Funded Nonprofits and UnemploymentOnly reimburses self-funded nonprofits for half of the costs of benefits provided to their laid-off employees. This is explained in a recent blog article by the Council of Nonprofits. Section 2103.

Charitable Giving Incentive: Includes an above-the-line deduction (universal or non-itemizer deduction that applies to all taxpayers) for total charitable contributions of up to $300. The incentive applies to contributions made in 2020 and would be claimed on tax forms next year. Section 2204. The bill also lifts the existing cap on annual contributions for those who itemize, raising it from 60 percent of adjusted gross income to 100 percent. For corporations, the bill raises the annual limit from 10 percent to 25 percent. Food donations from corporations would be available to 25 percent, up from the current 15 percent cap. Section 2205.  

Employee Retention Payroll Tax Credit: Creates a refundable payroll tax credit of up to $5,000 for each employee on the payroll when certain conditions are met. The entity had to be an ongoing concern at the beginning of 2020 and saw a drop in revenue of at least 50 percent in the first quarter compared to the first quarter of 2019. The availability of the credit would continue each quarter until the organization’s revenue exceeds 80 percent of the same quarter in 2019. For tax-exempt organizations, the entity’s whole operations must be taken into account when determining the decline in revenues. (We are researching what this means and believe it references reserves, endowments and other holding.) Notably, employers receiving emergency SBA 7(a) loans would not be eligible for these credits. Section 2301.

Industry Stabilization Fund: Creates a loan and loan guarantee program for industries like airlines to keep them solvent through the crisis. It sets aside $425 billion for “eligible business” which is defined as “a United States business that has not otherwise received economic relief in the form of loans or loan guarantees provided under” the legislation. It is expected, but unclear whether charitable nonprofits qualify under that definition for industry stabilization loans. Mid-sized businesses, including nonprofits, with between 500 and 10,000 employees are expressly eligible for loans under this provision. Although there is no loan forgiveness provision in this section, the mid-size business loans would be charged an interest rate of no higher than two percent and would not accrue interest or require repayments for the first six months. Nonprofits accepting the mid-size business loans must retain at least 90 percent of their staff at full compensation. Section 4003.

  1. Nonprofit fundraising blogs Click Here
  1. Archived webinars related to COVID-19 for nonprofits

NAO partnered with Washington Nonprofit Institute to provide these responsive webinars related to nonprofits navigating the COVID-19 Crisis. They have them archived here in case you missed the live version:

The webinars included:

  • COVID-19: What Nonprofits Need to Know
  • What am I supposed to do about my Fundraising Event
  • Alternatives to Meeting in Person
  1. SBA loan resources for small business and nonprofits impacted by disaster

Oregon has received an SBA EIDL declaration for COVID-19.

Small Business Administration funding available now for businesses in Oregon impacted by the coronavirus outbreak.

The applications can be filled out online or there is assistance through Small Business Development Centers. These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%. SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

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