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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> Sigman, Brian [mailto:Brian.Sigman@ct.gov] <br><b>Sent:</b> Friday, March 27, 2020 6:07 PM<br><b>To:</b> DORS-DL BESB <DORS-DLBESB@ct.gov><br><b>Subject:</b> Federal Stimulus Package Small Business Owners Guide<br><b>Importance:</b> High<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>Good evening,<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>This information has been forwarded to the Vending Facility Operators. Please assist with sharing this information with others who may have a small business. Thank you.<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></b></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal style='margin-bottom:16.0pt'><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'>From: Sullivan, Kathleen <<a href="mailto:Kathleen.Sullivan@ct.gov">Kathleen.Sullivan@ct.gov</a>> <br>Sent: Friday, March 27, 2020 5:49 PM<o:p></o:p></span></b></p></div></div><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>All – We JUST received the Small Business Guide for the Federal Stimulus Package that was signed by POTUS today. In an effort to share information as quickly as possible, we’re passing this along to you directly for use as needed. There’s a lot of important and timely information included – particularly on the Paycheck Protection Program for small businesses. Below are some key points highlighted, a press release and attached is the guide. <o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>I imagine this will get discussed via federal partners in the coming days and weeks but wanted to share right away given the importance. Feel free to share with your partners as needed<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Arial",sans-serif;color:#002060;letter-spacing:1.2pt'><o:p> </o:p></span></b></p><div><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#002060'>Kathleen Sullivan<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#002060'>Director of Planning, Communications and Operational Readiness l Aging and Disability Services<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#002060'>Office of the Commissioner | 55 Farmington Avenue, Hartford CT 06105 | 860.424.5973 <o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#002060'><o:p> </o:p></span></b></p><p class=MsoNormal><b><i><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#002060'>For information on COVID-19, please visit </span></i></b><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#002060'><a href="http://www.ct.gov/Coronavirus%20or%20call%202-1-1"><i>www.ct.gov/Coronavirus</i></a><i> or call 2-1-1. You can also text “CTCOVID” TO 898211.</i><o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#002060'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#17365D'><img border=0 width=124 height=83 id="Picture_x0020_1" src="cid:image001.jpg@01D60469.952E1230" alt="Aging and Disability Logo
"><o:p></o:p></span></b></p></div><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt'><o:p> </o:p></span></b></p><h1 align=center style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:15.0pt;margin-left:0in;text-align:center;background:white'><span style='font-size:16.0pt;font-family:inherit;color:#333333'><a href="https://www.sbc.senate.gov/public/index.cfm/pressreleases?ID=20DFE67D-DA2E-4918-BEB8-31196F001C6E">Cardin, Bipartisan Senate Task Force Secure $377 Billion for Small Businesses</a><o:p></o:p></span></h1><h4 align=center style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;text-align:center;background:white;box-sizing: border-box;color:inherit'><span class=month><span style='font-size:16.0pt;font-family:inherit;color:#333333'>March</span></span><span class=date><span style='font-size:16.0pt;font-family:inherit;color:#333333'> </span></span><span class=day><span style='font-size:16.0pt;font-family:inherit;color:#333333'>25</span></span><span class=date><span style='font-size:16.0pt;font-family:inherit;color:#333333'>, </span></span><span class=year><span style='font-size:16.0pt;font-family:inherit;color:#333333'>2020</span></span><span style='font-size:16.0pt;font-family:inherit;color:#333333'><o:p></o:p></span></h4><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>(Washington, DC)—U.S. Senator Ben Cardin (D-Md.), Ranking Member of the Senate Small Business Committee and a senior member of the Senate Finance Committee, today issued a statement on the $2 trillion economic stimulus agreed to by Congressional leaders. The stimulus package includes $377 billion in funding to support small businesses secured by Cardin, Small Business Committee Chairman Marco Rubio (R-Fla.), Senate Aging Committee Chairwoman Susan Collins (R-Maine), and Jeanne Shaheen (D-N.H.), Ranking Member of the Senate Appropriations Subcommittee on Commerce, Justice, Science, and Related Agencies.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>“American small businesses are facing an existential threat. The unprecedented public health measures cities and states have taken to slow the spread of the COVID-19, while necessary to protect public health, are having a tremendous impact on small businesses in every community in America,” Ranking Member Cardin said. “Congress has a duty to ensure that America’s 30 million small businesses, and the 60 million people they employ, are not forced to bear the financial costs of keeping our communities safe on their own. I am grateful that Chairman Rubio, Senators Collins and Shaheen, and I were able to reach a bipartisan agreement to include $377 billion in support for small businesses in the stimulus.”<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>Prominent measures in the <a href="https://www.sbc.senate.gov/public/index.cfm/pressreleases?id=3B42CB4F-CF1C-4D6F-9212-290E6A19AB52"><i><span style='color:#551A8B'>Keeping American Workers Employed and Paid Act</span></i></a> and the <a href="https://www.sbc.senate.gov/public/index.cfm/pressreleases?ID=D6E86723-C100-4B6C-B122-50B3CAA81090"><i><span style='color:#551A8B'>COVID-19 RELIEF for Small Businesses Act of 2020</span></i></a> make up Division A of the stimulus, which is titled the <i>Coronavirus Aid, Relief, and Economic Security (CARES) Act</i>.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>A description of the small business provisions in the stimulus follows:<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><u><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>Paycheck Protection Program</span></u></b><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'><o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The stimulus includes nearly $350 billion in funding for a provision to create a Paycheck Protection Program (PPP) that will provide small businesses and other entities with zero-fee loans of up to $10 million. Up to 8 weeks of average payroll and other costs will be forgiven if the business retains its employees and their salary levels. Principal and interest is deferred for up to a year and all borrower fees are waived. This temporary emergency assistance through the U.S. Small Business Administration (SBA) and the Department of Treasury can be used in coordination with other COVID-financing assistance established in the bill or any other existing SBA loan program.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The bill requires the SBA Administrator to set a cap on how much a bank can earn to process loan applications and prioritize underserved borrowers, including those in rural communities, minorities, women and veterans.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><u><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>Emergency Economic Injury Grants</span></u></b><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'><o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The stimulus includes $10 billion in funding for a provision to provide an advance of $10,000 to small businesses and nonprofits that apply for an SBA economic injury disaster loan (EIDL) within three days of applying for the loan. EIDLs are loans of up to $2 million that carry interest rates up to 3.75 percent for companies and up to 2.75 percent for nonprofits, as well as principal and interest deferment for up to 4 years. The loans may be used to pay for expenses that could have been met had the disaster not occurred, including payroll and other operating expenses.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The EIDL grant does not need to be repaid, even if the grantee is subsequently denied an EIDL, and may be used to provide paid sick leave to employees, maintaining payroll, meet increased production costs due to supply chain disruptions, or pay business obligations, including debts, rent and mortgage payments. Eligible grant recipients must have been in operation on January 31, 2020. The grant is available to small businesses, private nonprofits, sole proprietors and independent contractors, tribal businesses, as well as cooperatives and employee-owned businesses.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>A business that receives an EIDL between January 31, 2020 and June 30, 2020 as a result of a COVID-19 disaster declaration is eligible to apply for a PPP loan or the business may refinance their EIDL into a PPP loan. In either case, the emergency EIDL grant award of up to $10,000 would be subtracted from the amount forgiven in the Paycheck Protection Plan.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The bill provides $562 million to ensure that SBA has the resources to provide Economic Injury Disaster Loans (EIDL) to businesses that need financial support.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><u><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>Debt Relief for Existing and New SBA Borrowers</span></u></b><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'><o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The stimulus includes $17 billion in funding for a provision to provide immediate relief to small businesses with standard SBA 7(a), 504, or microloans. Under this provision, SBA will cover all loan payments for existing SBA borrowers, including principal, interest, and fees, for six months. This relief will also be available to new borrowers who take out an SBA loan within six months after the President signs the bill. The measure also encourages banks to provide further relief to small business borrowers by allowing them to extend the duration of existing loans beyond existing limits; and enables small business lenders to assist more new and existing borrowers by providing a temporary extension on certain reporting requirements. While SBA borrowers are receiving the six months debt relief, they may apply for a PPP loan that provides capital to keep their employees on the job. The six months of SBA payment relief may not be applied to payments on PPP loans. <br><br>The stimulus also includes a permanent fix that allows SBA to waive fees for veterans and their spouses in the 7(a) Express Loan Program, regardless of the President’s budget. Under current law, SBA may only waive fees on 7(a) Express loans to veterans when the President’s budget does not project a cost above zero for the overall 7(a) loan program.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><u><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>Paid Leave for Government Contractors</span></u></b><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'><o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The stimulus includes a provision that provides paid leave for employees working on small business contracts with the federal government. The measure allows agencies to modify the terms of a contract to reimburse small business contractors for the cost of providing paid leave, including sick leave, to employees or subcontractors unable to perform work on-site due to a facility closure and cannot telework.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><u><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>Resources for Business Counseling Services</span></u></b><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'><o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>Many large companies are struggling to respond to the unprecedented economic disruption our nation is facing, so small businesses that have even fewer resources to dedicate to navigating the economic impacts of COVID-19 must have access to reliable counseling and mentorship services.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The stimulus provides $275 million in grants to the nation’s network of Small Business Development Centers (SBDCs) and Women’s Business Centers (WBCs), as well as the Minority Business Development Agency’s Business Centers (MBDCs), to provide mentorship, guidance and expertise to small businesses. The funding will allow SBDCs, WBCs, and MBDCs to hire staff and provide programming to help small businesses and minority-owned businesses respond to COVID-19.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The bill also provides funds for the associations that represent SBDCs and WBCs to create a joint platform that consolidates information and resources related to COVID-19 in order to provide consistent, timely information to small businesses.<o:p></o:p></span></b></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.9pt;margin-left:0in;background:white;box-sizing: border-box'><b><span style='font-size:16.0pt;font-family:Roboto;color:#333333'>The SCORE mentoring program and Veterans Business Outreach Center program are encouraged to use the platform and participate in the COVID-19 education sessions for their volunteer mentors and small business counselors. <o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt'><a href="https://www.sbc.senate.gov/public/index.cfm/pressreleases?id=20DFE67D-DA2E-4918-BEB8-31196F001C6E">https://www.sbc.senate.gov/public/index.cfm/pressreleases?id=20DFE67D-DA2E-4918-BEB8-31196F001C6E</a><o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></b></p><p class=MsoNormal><b><span style='font-size:16.0pt;font-family:"Calibri",sans-serif'><o:p> </o:p></span></b></p></div></body></html>