SLIDE 1 The New Jersey Business Action Center team of experts works with businesses one-on-one to find solutions to the daily issues and concerns they face. Call 1-800-JERSEY-7 and connect with a Business Advocate who can work with you. Business.nj.gov - new business website As businesses focus on reopening and finding new, better ways to operate,
- ur team can connect you with the right government agencies and facilitate
and coordinate meetings with government officials to guide you through the process. We stay up-to-date on state laws and guidelines so we can support businesses of all sizes with everything from permitting and site selection to exporting and compliance with state regulations.
The New Jersey Business Action Center
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The New Jersey Business Action Center https://www.nj.gov/state/bac/ Business Helpline: 1-800-JERSEY-7 business.nj.gov Covid Business Website cv.business.nj.gov Melanie Willoughby, Executive Director Melanie.Willoughby@sos.nj.gov
The New Jersey Business Action Center
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The New Jersey Business Action Center
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The New Jersey Business Action Center
SLIDE 5 ONE JERSEY
For more information: covid19.nj.gov Know your rights in NJ: nj.gov/labor
Our pledge to you as an employer
Provide sanitization materials, training, and time to practice safe hygiene as recommended by CDC. Support contact tracing efforts, while respecting your privacy Require that you and/or any of your colleagues with COVID-19 symptoms stay home Provide appropriate PPE for your job Wear face coverings at all times and gloves for certain activities Participate in staff health screening on arrival Clean high-touch areas frequently Follow hygiene guidelines, including regular hand-washing
Your pledge as an employee I will: We will:
ONE JERSEY
Para más información: covid19.nj.gov Conozca sus derechos en NJ: nj.gov/labor
Nuestro compromiso con usted como empleador
Proporcionar materiales de desinfección, capacitación y tiempo para practicar una higiene segura según lo recomendado por el CDC Apoyar esfuerzos de rastreo de contactos, respetando su privacidad Requerir que usted y/o cualquiera de sus colegas con síntomas de COVID-19 se quede en casa Proporcionarle EPP adecuado para su trabajo Limpiar las áreas de alto contacto con frecuencia Utilizar una mascarilla en todo momento y guantes para ciertas actividades Participar en el tamizaje de salud del personal a mi llegada Seguir las pautas de higiene, incluido el lavado regular de manos
Su compromiso como empleado Yo me comprometo a: Nos comprometemos a:
The New Jersey Business Action Center
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The New Jersey Business Action Center The New Jersey Business Action Center https://www.nj.gov/labor/
SLIDE 7 PAYCHECK PROTECTION PROGRAM
www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection- program
- The PPP is now accepting applications until August 8, 2020.
- You can apply through any existing SBA 7(a) lender or through a federally
insured credit union that is participating.
- The loan will be fully forgiven if the funds are used for payroll costs,
interest on mortgages, rent and utilities. At least 60% of the forgiven amount must have been used for payroll.
- Forgiveness will be reduced if full-time headcount declines, or if salaries
and wages decrease.
- Sole proprietors, independent contractors and self-employed persons can
apply.
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Small Business Emergency Assistance Grant Program
Small Business Emergency Assistance Grant Program has closed. Businesses can now check the status of their loan at: https://www.cognitoforms.com/NJEDA/grantapplicationstatus/.
Small Business Emergency Assistance Loan Program – A $10 million program that
will provide working capital loans of up to $100,000 to businesses with less than $5 million in revenues. Loans made through the program will have ten-year terms with zero percent for the first five years, then resetting to the EDA’s prevailing floor rate (capped at 3.00%) for the remaining five years. To apply: https://www.njeda.com/pdfs/NJEDA_COVID- 19_Loan_App_Walkthrough/. In addition, you can check the status of your loan here: https://forms.business.nj.gov/loan-status/.
The New Jersey Business Action Center
New Jersey Economic Development Authority
NJEDA.COM 609-858-6767
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
NJ Entrepreneur Support Program – A $5 million program that will encourage
continued capital flows to new companies, often in the innovation economy, and temporarily support a shaky market by providing 80 percent loan guarantees for working capital loans to entrepreneurs. https://application.njeda.com/NJESP_Login.aspx.
Small Business Emergency Assistance Guarantee Program – A $10 million program
that will provide 50 percent guarantees on working capital loans and waive fees on loans made through institutions participating in the NJEDA’s existing Premier Lender or Premier CDFI programs.
The New Jersey Business Action Center
New Jersey Economic Development Authority
SLIDE 10 State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Micro Business Loan Program – makes financing of up to $50,000 available to businesses with annual revenues in the most current fiscal year of no greater than $1,500,000, and 10 full-time employees or less at time of application. Financing can be used for inventory, the purchase of equipment, or working
- capital. Ten percent of the approved loan amount may be forgiven if the business
is still open and in operation 12 months from the date of loan closing. The application will be ready the end of July. Check the cv.business.nj.gov website
The New Jersey Business Action Center
New Jersey Economic Development Authority
SLIDE 11 State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Community Development Finance Institution (CDFI) Emergency Loan Loss Reserve Fund – NJEDA has partnered with the following CDFIs to provide low cost
- financing. Businesses and non-profits seeking financing should contact the CDIFs
directly:
- NJ Community Capital www.newjerseycommunitycapital.org/
- UCEDC www.ucedc.com
- Regional Business Assistance Corp. www.rbacloan.com
- Greater Newark Enterprise Corp www.gnecorp.org
- First Bergen Federal Credit Union www.1stbergen.com
- Cooperative Business Assistance Corp (CBAC) www.cbaclenders.com
The New Jersey Business Action Center
New Jersey Economic Development Authority
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Premier Lenders - The NJEDA partners with participating financial institutions to provide access to capital to businesses throughout New Jersey. Please note that the information listed should be used as a reference tool only. Contact the NJEDA at 609-858-6767 for more information or to verify your bank’s status.
The New Jersey Business Action Center
New Jersey Economic Development Authority
BB&T Lakeland Bank Sterling National Bank Bank of America M&T Bank TD Bank Columbia Bank Newfield National Bank The Bank of Princeton ConnectOne Bank OceanFirst Bank Provident Bank Cross River Bank Peapack-Gladstone Bank TriState Capital Bank Fulton Bank, NA PNC Valley National Bank Investors Bank Republic Bank Wells Fargo JPMorgan Chase Santander Bank
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Complying with state and federal guidelines to maintain a safe and healthy environment for my employees and customers. Complying with state and federal employee laws and regulations arising from COVID-19. Reviewing &updating employee handbook in consideration of implications due to COVID-19. Determining status of previous vendors and suppliers and identifying new ones if needed. Identifying availability of financial resources with technical assistance to apply.
The New Jersey Business Action Center
Have Questions? Call Our Business Helpline 1-800-JERSEY-7 Businesses & organizations have challenges in reopening & recovery:
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Health – Addressing and improving physical and mental health due to the coronavirus is important. From employees to vendors to customers, everyone has been impacted. The firm’s response to questions about health maintenance will assist everyone’s return. NJ Mental Health Cares Helpline For emotional support dealing with stress, anxiety and depression due to COVID-19, speak with a behavioral care specialist at 866-202-HELP (4357) daily from 8am-8pm. You can also text NJHOPE to 51684.
The New Jersey Business Action Center
Businesses & organizations encouraged to review & address the following areas:
SLIDE 15 State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Employment Practices – Employee health is only one part of the pandemic’s
- impact. Businesses are encountering areas such as remote working, staggered
shifts, data security from a home-based office, and other topics. Contact NJBAC at 1-800-JERSEY-7 for assistance in directing you to resources to answer these questions. Financial Planning – As businesses reopen, it is not clear how quickly customers will return. Further, reduced capacity will limit the number of customers present at any time. Cash flow projections with different scenarios will help businesses anticipate and plan for the future demand. Contact your local SBDC office for counseling on financial issues here: https://njsbdc.com/contact/.
The New Jersey Business Action Center
Businesses & organizations encouraged to review & address the following areas:
SLIDE 16 State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Communications – Timely and effective communications across distributed
- perations became important to businesses and organizations. After reopening,
and while adjusting to post-COVID-19, expect methods of communication with employees, vendors, and customers to continue evolving. Customer Interactions – Selling goods and services has changed. Facilitating transactions with customers through contactless payments, online orders, delivery, pickup, and other methods will assist everyone during this period. Marketing – Customers are adapting to changes in their respective routines and traditional marketing efforts may need to be reviewed. An expanded online presence through expanded social media, video conferencing, or other technologies may help.
The New Jersey Business Action Center
Businesses & organizations encouraged to review & address the following areas:
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
NJ Business Action Center – The state agency is the one-stop shop for all business questions and challenges concerning business operations, interacting with state, local and federal governments, financial resources and expansion and relocation. Call NJBAC at 1-800-JERSEY-7. New Jersey Small Business Development Centers – The (NJSBDC) network provides assistance to small and medium businesses around the state. Access the NJSBDC at www.njsbdc.com . SCORE – SCORE’s network of volunteer business mentors helps small businesses get off the ground, grow, and achieve their goals. Call NJSCORE at 201-252-7858.
The New Jersey Business Action Center
For further information on these topics and other related to reopening
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
New Jersey State Library - The Reference Staff of the State's library provide access to knowledge for civic organizations and businesses. Access the New Jersey State Library at https://www.njstatelib.org/. Occupational Safety and Health Administration (OSHA) - COVID-19 - Measures for protecting workers from SARS-CoV-2, the virus that causes Coronavirus Disease 2019 (COVID-19). These measure may be accessed at https://www.osha.gov/SLTC/covid-19/controlprevention.html . New Jersey Department of Health – Within their site you can locate the offices that serve your area at https://www.nj.gov/health/lh/community/index.shtml.
The New Jersey Business Action Center
For further information on these topics and other related to reopening
SLIDE 19 State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Center for Disease Control (CDC) - Businesses and Workplaces - Plan, Prepare, and Respond. Includes resources for Deciding to Open, Ongoing Mitigation Strategy, Prevention and Support. These resources may be found at https://www.cdc.gov/coronavirus/2019- ncov/community/organizations/businesses-employers.html . Additional State and Federal Guidelines may be found at https://faq.business.nj.gov/en/articles/3839687-what-mitigation-protocols-are- required-for-operating-businesses. Select industries in New Jersey have additional state policies that must be
- followed. Review all mitigation protocols for businesses operating in New Jersey
before planning to reopen at https://cv.business.nj.gov/.
The New Jersey Business Action Center
For further information on these topics and other related to reopening
SLIDE 20 State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
New Jersey Department of Labor’s: Coronavirus (COVID-19): Updated Information for Employers & Businesses and Returning to Work: General Principles. For the U.S. Chamber of Commerce ‘s: Return-to-work playbook for employers. The Occupational Safety and Health Administration’s: Report on reopening and preparing workplaces for COVID-19. The Center for Disease Control’s: Recommendations for employers to prevent the spread of the coronavirus when they reopen their offices. New Jersey's PPE Supplier Registry connects suppliers of personal protective equipment with potential buyers.*
The New Jersey Business Action Center
Resources:
Notice from the state: Parties are strongly advised to exercise due diligence when selecting vendors and are responsible for ensuring the quality and regulatory compliance of all goods/services purchased.
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
There are 21 counties in New Jersey, all of which have a designated economic development contact and/or office.
The New Jersey Business Action Center
Atlantic County: Howard Kyle, Chief of Staff, (609) 343-2368, Kyle_howard@aclink.org Atlantic County Economic Alliance: Lauren Moore, Executive Director, (609) 245-0019 Lmoore@acenj.com Burlington County Bridge Economic Development: Mark Remsa, Director, (609) 265-5505, mremsa@bcbridges.org Camden County Economic Workforce Dev.: Patrick Shuttleworth (856) 374-6205, PatrickShuttleworth@ camdencounty.com Bergen County Economic Development: Joanne Cimiluca, Director, (201) 336-7336 jcimiluca@co.bergen.nj.us
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
Camden County Improvement Authority: Christopher Orlando, Int. Executive Director (856) 751-2422, Chris.orlando@cambencounty.com
The New Jersey Business Action Center
Cape May County Planning Department: Leslie Gimeno, Director, (609) 465-6875 Leslie.gimeno@co.cape-may.nj.us Cumberland County Department of Planning: Robert Brewer, Director, (856) 453-2175 bobbr@co.cumberland.nj.us Cumberland County Improvement Authority: Ken Ayres, Int. Director, (609) 501-2498 ed@ccia-net.com Essex County Economic Development: Anibal Ramos Jr. Director, (973) 395-8684 aramos@dedte.essexcountynj.org Gloucester County Economic Development: Tom Bianco, Director (856) 384-6930 tbianco@co.gloucester.nj.us
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
The New Jersey Business Action Center
Hudson County Economic Development: Michelle Richardson, Executive Director (210) 369-4370, director@hudsonedc.org Hunterdon County Economic Development: Marc Saluk, (908) 806 5577 msaluk@co.hunterdon.us Mercer County Economic Development: Anthony Carabelli, Jr., (609) 989-6555 scarabellijr@mercercounty.org Middlesex County Economic Development: Kathaleen Shaw, (732) 745-4379 Kathaleen.shaw@co.middlesex.nj.us Monmouth County Economic Development: John Ciufo, Executive Director (732) 431-7470, John.ciufo@co.monmouth.nj.us Morris County Economic Development: Meghan Hunscher, Executive Director (973) 539-0859, mhunscher@morriscountyedc.org
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State & Federal Resources To Assist Businesses With Operational Challenges Reopening And In Recovery
The New Jersey Business Action Center
Ocean County Planning Department: David McKeon, Planning Director, (732) 929-2054 dmckeon@co.ocean.nj.us Passaic County Economic Development: Deborah Hoffman, Director, (973) 569-4720 deborahh@passaiccountynj.org Salem County Economic Development: Kathleen Mills, Director, (856) 935-7510 kmills@salemcountynj.gov Somerset County Business Partnership: John Maddocks, VP, (908) 218-4300 x25 jmaddocks@schp.org Sussex County Economic Development: Tammie Horsfeld, President, (973) 579-1811 mail@sussexcountychamber.org County of Union: Amy Wagner, Director, (908) 527-4200, awagner@ucnj.org
SLIDE 25
Business Helpline
Provide ongoing support with a centralized Business Helpline 1–800–JERSEY–7.
Scammers & Price Gouging
Concerns about scamming price gouging? Alert the N.J. Division of Consumer Affairs njconsumeraffairs.gov (973) 504-6240
Health Care Professionals
Answering questions about coronavirus. Toll Free 1-800-222-1222 Outside the state 1-800-962-1253
