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Our business community plays a vital role in assisting with providing accurate information to consumers, employees and partner organizations. As a regional chamber of commerce who operates a public visitor center, we have gathered the best practices and resources to help our area respond. Businesses of all sizes and industries should be prepared as possible to protect the health of their employees and clients. We have compiled links with downloadable information from the Ocean County Health Department, US Chamber of Commerce and Centers for Disease Control resources. Please use the links below to provide the best knowledge that will help make the informed decisions needed to do business during this time.

The Coronavirus Aid, Relief and Economic Security (CARES) ACT extends unemployment insurance, allocates money for the Paycheck Protection Program, recovery rebates, and makes employers eligible for a 50 percent refundable payroll tax credit on wages paid up to $10,000 during the crisis.
Small Business Owner’s Guide to the CARES Act – Click here for PDF
Non Profit Foundation- Click here for link
Tax Foundation – Click Here

Small Business Administration
Small Business Administration Paycheck Protection Program (PPP) – $350 billion has been made available.  The program would provide cash-flow assistance through 100 percent federally guaranteed loans to employers who maintain their payroll during this emergency. If employers maintain their payroll, the loans would be forgiven, which would help workers remain employed, as well as help affected small businesses and our economy to snap-back quicker after the crisis. PPP has a host of attractive features, such as forgiveness of up to 8 weeks of payroll based on employee retention and salary levels, no SBA fees and at least six months of deferral with maximum deferrals of up to a year. Small businesses and other eligible entities will be able to apply if they were harmed by COVID-19 between February 15, 2020 and June 30, 2020. This program is would be retroactive to February 15, 2020, in order to help bring workers who may have already been laid off back onto payrolls. Loans are available through June 30, 2020.  Application Form   Lender Information Fact Sheet
Download our Southern Ocean Chamber Federal Loan Fact Sheet.
Assistance for Small Businesses 
Disaster Loan Assistance  – as of March 21, 2020, small businesses are now eligible to apply for SBA Disaster Assistance. If your business was economically impacted by Coronavirus (COVID-19), you may apply online here
Disaster Assistance COVID-19
Guidance for Business and Employers COVID19

NJ Business Action Center Resource Page
COVID-19/Novel Coronavirus Information for New Jersey Businesses
Governor Murphy Announces Mortgage Payment Relief, Financial Protections as a Result of COVID-19 – Click for PDF

New Jersey Economic Development Authority (NJEDA)
COVID-19 Economic Relief Package – download PDF 
Applications for State of NJ COVID-19 relief opened April 3 and is fully subscribed. NJEDA asks businesses to still submit in the case more funds become available. Find out what your business may be eligible to apply for now with the Eligibility Wizard. Click here for link

The application for NJEDA’s Small Business Emergency Assistance Loan Program will launch on Monday, April 13, 2020 at 9:00 am.  A link to the program application will be posted on the State’s COVID-19 Business Information Hub
New Initiatives to Support Businesses Impacted by COVID-19
Information for NJ Businesses on the COVID-19/Novel Coronavirus Outbreak

NJ Department of Labor Benefits and COVID-19
New Jersey Workers Protections
COVID-19/Novel Coronavirus Information for New Jersey Businesses – FAQ

Non Profit Assistance
The Community Foundation of South Jersey (CFSJ) has launched a South Jersey COVID-19 Response Fund that will be of interest to your non-profit members to apply and all members who wish to respond to the crisis collectively. This new fund allows individuals and organizations to pool resources in order to address both short-term and long-term effects of COVID-19 in local towns and counties throughout South Jersey. Details can be viewed in a PDF or at their website: Click here for link

Risk Management Best Practices for Businesses/Non-Profits

Ocean County Health Department:
How to Prepare and Take Action for COVID-19

New Jersey Department of Health:
Official Website for State of New Jersey
New Jersey COVID-19 Dashboard

US Chamber of Commerce:
Corona Virus Emergency Loans – Small Business Guide & Checklist
Workplace Tips For Employees
Guidance for Employers to Plan and Respond to Coronavirus