COVID-19 Business Resource Page

Think Dutchess Alliance for Business- Update on COVID-19

Economic development organization remains vigilant at maintaining the economic stability of Dutchess County amid pandemic.

March 16, 2020


In light of the rapidly changing current events in regard to COVID-19, we want our business community to know that Think Dutchess is committed to the health, safety and economic well-being of our community and businesses. In an effort to control the spread of this disease our staff is working remotely. All of our team can be reached via email to answer your questions. Please visit our Team Page to contact any of our staff members.

As we enter a new phase of the COVID-19 outbreak, it’s important to note that Think Dutchess Alliance for Business is working closely with our partners to bring you the most accurate and up-to-date information. We are closely monitoring the situation and following the recommendations of Dutchess County and NY State Government as well as The Centers for Disease Control and Prevention.

Think Dutchess will remain vigilant in bringing together our partner organizations and resources to assure the economic stability of our Dutchess County businesses and nonprofits during, and after, this pandemic. We are actively collaborating and seeking solutions to support our community during, and in the aftermath of this extraordinary event. To further support our business community our Alliance partners have come together to bring you the Dutchess Business Notification Network. Subscribers to the Think Dutchess newsletter may receive important communications and information via the BNN in an effort to share important updates, guidelines, and information that our businesses and community will need going forward. If you wish to receive these communications you can do so by emailing: Below, we will update resources that may be of assistance to your business as they become available. Additionally, we will continue to keep you informed and provide you with updates via our social media channels and newsletter.

Stay safe. Stay healthy.

And thank you for “Think”ing Dutchess.

Most Recent Updates


Business Resources

Business Loans and Grants


We now have a web page where everything you need to know about PPP is available to lenders, borrowers, and an updated lender locator.  That site is  Borrowers who want to know how to participate, lenders who want info, and the lender locator are available here.

EIDL loan dollars should start to be disbursed on or near 4/7/20.  Anyone wanting to know the status of their loan should call 1-800-659-2955. Please be patient.  Money that the applicant was approved for will be direct deposited into their account once it is approved.  If a borrower filed for EIDL under the original website or the upload portal, they must submit again on the new streamline website. Those applicants will be contacted and they will NOT lose their place in line. Please note, if you did not need to upload anything, and are unsure of your status, you probably completed the form correctly. The new streamlined EIDL program contains a self-certification system so there is nothing to upload.  Additional information is only requested if contacted by an SBA loan officer after submission.

Dutchess County businesses are eligible for the Economic Injury Disaster Loan (EIDL) program through the Small Business Administration (SBA).

You may experience difficulty access the SBA webpage to complete the Economic Injury Disaster Loan.  SBA has advised us that since the rest of the country is also logging onto the portal, the system becomes overwhelmed, so the best times to apply online would be either earlier in the day, or later at night. However, as the EIDL applications continue to surge, SBA’s Office of Disaster Assistance has provided an alternate method for applicants to submit and upload forms while the application portal is down for maintenance.

IMPORTANT: You may have to clear your browser cache if you receive an error accessing this page. The SBA tab below has links to all of the relevant forms

Loan Application

Paycheck Protection Program

Corona Virus (COVID-19): Small Business Guidance and Loan Resources-


US SENATE CARES ACT — The U.S. Senate Committee on Small Business and Entrepreneurship has released a guide on the federally passed CARES Act. It can be found HERE.


Cares Act Info

Cares Act Need to Know


PUA Need to Know



Supporting local COVID-19 initiatives through more than $1 million in grants and community assistance. Read the official release HERE



Local Loan Assistance available at:

If a small business needs immediate cash flow, they can apply for an Emergency Express Loan with Community Capital New York (CCNY) for up to $10,000 with expedited closing. Please see the terms in the link



Workforce/Unemployment Assistance


How to file a claim:

Immediate job opportunities:  After clicking on the link, go to the right sidebar “Filter by City” and click on the (+) to see locations in our area. While many are in healthcare, if you continue (click MORE) down the list there is a diverse list of opportunities.



Technical Assistance


Essential Business

Exempt List:

Request To Be Exempt:

NYCON— The New York Council of Nonprofits have released a page on their site that provides resources nonprofits may find helpful. This includes funding resources and opportunities. The page can be found HERE.

SBDC— The NY SBDC has set up a website regarding the COVID-19 response which includes a link to a PDF that guides applicants through the EIDL process. There is a second page with a collection of resources and news that is of salient interest to New York’s small business community.

This page will be updated frequently so the information may be fluid. Additional information can be found under the SBA tab below.

Dutchess SCORE—  is offering assistance to those applying for SBA loans. You can learn more HERE

US State Senator Gillibrand’s OfficeU.S. Senator, Kirsten Gillibrand, has prepared a guide to navigate the COVID-19 disaster funding process. Download your copy HERE.



Informational Resources

New York State Government

How You Can Help:

Dutchess County

How You Can Help:

          Dutchess County Mental Health Hotline (24/7): (877) 485-9700

Dutchess BNN— Please sign up for the Dutchess Business Notification Network (DBNN) which pushes out the latest information related to COVID-10 for the business community. SIGN UP HERE

DCRCOC– The Dutchess County Regional Chamber of Commerce is offfering periodic educational and informational webinars for business. Learn more at:

Dutchess Tourism

Dutchess Tourism Open Restaurant List:

Virtual Lunch and Learn Series- Sign up for DTI’s free Lunch and Learn Seminars HERE


Health and Safety Resources

CDC- Novel Coronavirus Hotline (24/7): 1-888-364-3065

NYS Dept. of Health


Additional Information


The United States Small Business Administration (SBA)

4.6.20.- Paycheck Protection Program Updates

We now have a web page where everything you need to know about PPP is available to lenders, borrowers, and an updated lender locator.  That site is  Borrowers who want to know how to participate, lenders who want info, and the lender locator are available here.

EIDL loan dollars should start to be disbursed on or near 4/7/20.  Anyone wanting to know the status of their loan should call 1-800-659-2955. Please be patient.  Money that the applicant was approved for will be direct deposited into their account once it is approved.  If a borrower filed for EIDL under the original website or the upload portal, they must submit again on the new streamline website. Those applicants will be contacted and they will NOT lose their place in line. Please note, if you did not need to upload anything, and are unsure of your status, you probably completed the form correctly. The new streamlined EIDL program contains a self-certification system so there is nothing to upload.  Additional information is only requested if contacted by an SBA loan officer after submission.


4.1.20- Paycheck Protection Program

Please note that while the application form has been made public by the US Treasury Department, SBA advises us that currently there is no mechanism to apply for the program yet.

Target date is Friday, April 3, 2020 for lenders to be able to start processing applications. Therefore, you will not be able to apply for this program until then. You can find out more information about the PPP on SBA’s website at

Please note SBA’s instructions on HOW TO APPLY – IT WILL NOT BE THROUGH AN SBA PORTAL like the Economic Injury Disaster Loan:

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union,  and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program. Below is a list of SBA’s approved district lenders.

Small Business Owners Guide to the CARES Act

U.S. Small Business Administration NYDO Lenders Resource Guide


3.30.20- New Business Resource Page

Small Business Guidance Loan Resources

3.27.20- Forms

SBA Business Loan Application 2020

IRS 4506-T SBA

EIDL Supporting Information (P-019)

EIDL Additional Requirements – Form 1368

Schedule of Liabilities Instructions

Schedule of Liabilities Instructions

SBA Personal Financial Statement (Form 413)



Disaster Loan Submission Form

Submit your Small Business Disaster Loan Application through this form

Some notes to help you with the application:

The SBA is advising businesses to fill out the PDF forms and reach out to SBDC if they need assistance with compiling the financial information. They may request assistance with the application at to make an online request.

Welcome to

In addition to the attached forms, applicants will also need to submit the most recently filed tax returns for the business and all owners of the business or a justification if not available. Sole proprietors are required to complete the 5C loan application form. All other businesses should fill out the form 5 business loan application.

  • On all forms “Damaged Property” simply refers to your primary location for the operations of the business.
  • On Form 5, skip box 15, this only applies to property damage loans.
  • There is no specific location to input a requested loan amount. The loan amount is determined by the supporting documents and any other relevant financial information provided that substantiates the economic injury.
  • All owners with 20% or greater ownership in the business must be included in the application.

3.23.20New Informations from the SBA regarding Automatic Deferment on Existing SBA Disaster Loans Through End of 2020

3.19.20- Dutchess County business are now eligible to apply for SBA disaster loans through New York State disaster declaration.

Businesses are eligible for the Economic Injury Disaster Loan (EIDL) program only at this time. 

Economic Injury Disaster Loan (EIDL) Summary

Disaster Loan Assistance Available:

Economic Injury Disaster Loans (EIDLs) – Working capital loans to help small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, non-profit organizations of all sizes meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster. These loans are intended to assist through the disaster recovery period.

Credit Requirements:

• Credit History – Applicants must have a credit history acceptable to SBA.
• Repayment – Applicants must show the ability to repay the loan.
• Collateral – Collateral is required for all EIDL loans over $25,000. SBA takes real estate as collateral when it is available. SBA will not decline a loan for lack of collateral, but SBA will require the borrower to pledge collateral that is available.

Interest Rates:

The interest rate is determined by formulas set by law and is fixed for the life of the loan. The maximum interest rate for this program is 3.750 percent.

Loan Terms:

The law authorizes loan terms up to a maximum of 30 years. SBA will determine an appropriate installment payment based on the financial condition of each borrower, which in turn will determine the loan term.

Loan Amount Limit:

The law limits EIDLs to $2,000,000 for alleviating economic injury caused by the disaster. The actual amount of each loan is limited to the economic injury determined by SBA, less business interruption insurance and other recoveries up to the administrative lending limit. SBA also considers potential contributions that are available from the business and/or its owner(s) or affiliates. If a business is a major source of employment, SBA has the authority to waive the $2,000,000 statutory limit.

Loan Eligibility Restrictions:

Noncompliance – Applicants who have not complied with the terms of previous SBA loans may not be eligible. This includes borrowers who did not maintain required flood insurance and/or hazard insurance on previous SBA loans.
Note: Loan applicants should check with agencies / organizations administering any grant or other assistance program under this declaration to determine how an approval of SBA disaster loan might affect their eligibility.

Refinancing:Economic injury disaster loans cannot be used to refinance long term debts.

Insurance Requirements:

To protect each borrower and the Agency, SBA may require you to obtain and maintain appropriate insurance. By law, borrowers whose damaged or collateral property is located in a special flood hazard area must purchase and maintain flood insurance. SBA requires that flood insurance coverage be the lesser of 1) the total of the disaster loan, 2) the insurable value of the property, or 3) the maximum insurance available.
Applicants may apply online, receive additional disaster assistance information and download applications at Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email for more information on SBA disaster assistance. Individuals who are deaf or hard-of-hearing may call (800) 877-8339. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, FortWorth, TX 76155.

To apply online go to:

If you have questions or need assistance contact the Small Business Administration (800) 659-2955

For further guidance and instruction, you can also reach out to the Mid-Hudson Small Business Development (845) 802-9150


SBA Offers Disaster Assistance to Connecticut Small Businesses Economically Impacted by the Coronavirus (COVID-19)

La SBA ofrece asistencia en caso de desastre a las pequeñas empresas de Connecticut afectadas económicamente por el Coronavirus (COVID-19)

Additional Resources



Empire State Development has created contact lists for resources for small businesses including:

Entrepreneurship Assistance Centers (EAC) Contact List

Community Development Financial Institution (CDFI) Contact List


As resources are sent to us, we are keeping a running list at



COUNCIL OF INDUSTRY- Key Highlights for Manufacturing in the CARES Act

Download your copy HERE



How to Navigate the Funding Process

U.S. Senator, Kirsten Gillibrand, has prepared a guide to navigate the COVID-19 disaster funding process. Download your copy HERE.



US COMMERCIAL SERVICE- A Note to Exporters Regarding COVID-19 

The health and safety of our employees, clients, partners and communities is our top priority. Given the developing COVID-19 outbreak, we have made some recent changes to the way we serve U.S. exporters.

Our global network of experienced trade specialists will be working virtually and is looking forward to connecting with you via email, conference call, Skype, or video conference to discuss your international business plans. To contact a trade specialist in your area, visit our list of local U.S. Export Assistance Centers.

Know that we are here for you whether you have questions about the status of an event, need to cancel a service, or are checking on the status of an export market. To learn more about our virtual services, visit

Additional Federal Government resources are available from the Small Business Administration and EXIM Bank.

Our thoughts are with you and the global business community, and we remain firmly committed to serving the needs of U.S. exporters like you. We will continue to evaluate options to ensure we can deliver on the objectives of our mission, and that we consider the safety of all parties involved. Connect with us on social media @USCommercialSvc for our latest updates and resources.

We look forward to working with you soon.

For more information on coronavirus, please visit:



Central Hudson COVID-19 Support

Read the official release HERE



Critical Food Industry Resources- 

as provided by The Institute of Food Safety at Cornell University


Community Capital

Apply Now for Emergency Capital for Your Small Business

During this time of crisis, we will do all we can to make sure you are informed on local and national small business resources and funding opportunities.

To date, the SBA has launched a Disaster Recovery Loan for up to $2M for both nonprofit and for-profit organizations. If you need immediate bridge funding, we are offering an Emergency Express Loan for up to $10,000. Please read below for more details regarding terms and application processes.

If you have questions about either option, don’t hesitate to reach out to our Sr. VP of  Lending, Rachael Dubin,

We Will Get Through This Together.
The Community Capital New York Team

SBA DISASTER RECOVERY LOAN Up to $2M for Up to a 30 -Year Term


Here’s what you need to know

– Interest Rates Beginning at 2.75% for nonprofits and 3.75% for businesses
– Approx. 21 days to process. Time to receive funds may be longer.
– No collateral needed for loans up to $25,000
– Loans over $25,000 required to provide collateral, but will not be turned down because of a lack of collateral
–  Available to businesses in Dutchess, Orange, Putnam, Rockland
& Westchester Counties
– For assistance in completing the application, find an SBA resource partner closest to you.

Here’s what you need to apply
Download All Forms Here

– Completed SBA Loan Application (SBA Form 5 or 5c)
– Tax Information Authorization (IRS Form 4506T) for the applicant, principals, and affiliates
– Complete Copies of Most Recent Federal Income Tax Return
– Schedule of Liabilities (SBA Form 2202)
– Personal Financial Statement (SBA Form 413)
– Complete Copies of Most Recent Federal Income Tax Return. (If the most recent Federal Tax Return has not been filed, a year-end profit-and-loss statement and balance sheet for that tax year.)
–  Current Year-To-Date Profit & Loss Statement
–  Additional Filing Requirements (SBA Form 1368) with Monthly Sales Figures (This is especially important for Economic Injury Disaster Loans)

Read More to See If You Qualify or Apply Now

 Up to $10,000 in Immediate Bridge Capital


Here’s what you need to know

– Interest Rates of 2% with terms of 27 months and
deferred payments of three months
– 2% origination fee at closing
– We are waiving payments for the first 90 days
– Must have a credit score of 650+
– Available to businesses located in Dutchess, Orange, Putnam, Rockland, Sullivan, Ulster & Westchester Counties

Here’s what you need to apply

– Certificate of Insurance Stating that Community Capital New York is An Additional Insured and Loss Payee
–  Most Recent Personal and Business Tax Returns
– Business Registration & EIN Number
–  A Copy of Voided Check
– A Copy of a Bank Signature Card
– A Copy of Your Driver’s License or Any Government Issued ID
Read More to See If You Qualify or Apply Now


NYS Department of Labor



Labor Reporting


Othe Labor Complaints:

(212) 416-8700




3.30.20– Unemployment Information


If you are filing a new Unemployment Insurance (UI) claim, the day you should apply is based on the first letter of your last name:

Monday – last name starts with A – F

Tuesday – last names starting with G – N

Wednesday – last names starting with O – Z

If you missed your filing day, file your claim on Thursday, Friday or Saturday. Filing later in the week will not delay your payments or affect the date of your claim.

Any claim you file will be backdated to the date you became unemployed. If you are eligible, you will be paid for all benefits due.

The telephone filing hours have been extended as follows:

Monday through Thursday, 8 am to 7:30 pm.
Friday, 8:00 am to 6:00 pm.
Saturday, 7:30 am to 8:00 pm

Call to file 1-888-209-8124 or go online:

If you are uncertain about your qualification for benefits, more information regarding the new federal act and other COVID-19 updates will be posted in the Frequently Asked Questions about Unemployment Insurance During the Coronavirus Emergency.


You can also visit:



Unemployment Insurance Claims: The State is working to alleviate the significant pressure the influx of unemployment claims has created on the workforce system. Therefore, the New York State Department of Labor has just released a new schedule for individuals filing new Unemployment Insurance Claim by phone or web. As a reminder the 7-day waiting period has been waived. UI is a complicated process and determining  eligibility before anyone files a claim is often difficult. The best advice is to give the inquiring party is the information on how to actually file so they may receive a determination or the UI handbook

The day you file is based on the first letter of your last name, and filing later in the week will not delay payments or affect the date of your claim. Claims are effective on the Monday of the week of filing:

·     A-F: Monday

·     G-N: Tuesday

·     O-Z: Wednesday

·     If you missed a filing day, claim on Thursday or Friday.

Shared Work Program

The Centers for Disease Control and Prevention
NYS Department of Health
Dutchess Business Notification Network

Dutchess Business Notification Network

March 17, 2020

  • Beginning Thursday, March 19th, all Stop & Shop stores will open earlier in order to service only customers who are age 60 and over from 6:00a.m.-7:30a.m. daily.
  • In today’s 11:30AM press briefing, Secretary of the Treasury Steve Mnuchin announced individuals who owe up to $1 million, and corporations who owe up to $10 million, will be able to defer their income-tax payment up to 90 days.
  • County Executive Molinaro announces Dutchess businesses are now eligible to apply for disaster relief loans. Read the full release HERE
  • SBA Administrator Jovita Carranza: “Small businesses, private non-profit organizations of any size, small agricultural cooperatives and small aquaculture enterprises that have been financially impacted as a direct result of the Coronavirus (COVID-19) since Jan. 31, 2020, may qualify for Economic Injury Disaster Loans of up to $2 million to help meet financial obligations and operating expenses which could have been met had the disaster not occurred.” ***This only applies to Dutchess, Putnam, and Westchester counties***
  • Ethan Allen Workforce Solutions has created a summary of the proposed legislation in Congress called the Families First Coronavirus Response Act. This is still only proposed legislation, so it may change as it goes through the legislative process. It can be found further down on our website.
  • The Business Council of New York will hold a webinar on Friday, March 20, 2020. The webinar will include hygiene efforts, employee communication, travel restrictions, working from home, “social distancing,” ADA/FMLA/PFL compliance, potential NEW sick leave mandates from the state and/or federal government, and more. Register HERE.

A collaborative resource from our partner network to provide you with email notifications regarding changing COVID-19 information as it pertains to business, health, and safety.

To receive these notifications email:

Our partner organizations have pooled their resources to create the Dutchess Business Notification Network and to provide this communication to regional employers. Your email address is part of a database that has been created for the express purpose of sharing important updates, guidelines, and information that we know you will need going forward.

For more information visit:

Dutchess County Government
Dutchess County Tourism



About Think Dutchess Alliance for Business

Think Dutchess Alliance for Business is the one-stop shop for business development needs and activities in Dutchess County, New York. A business-led, nationally recognized economic development corporation, Think Dutchess’ mission is to attract, retain, and expand for-profit and not-for-profit businesses in Dutchess County. Think Dutchess’ organizational structure includes programs in business retention, expansion and attraction; financial counseling and deal structuring; zoning and permitting; commercial real estate; innovation and technology; strategic marketing and municipal advocacy. For more information about Think Dutchess Alliance for Business, visit


A premier business-led organization, Think Dutchess Alliance for Business brings together 11 agency partners creating a one-stop shop for your site selection, financing, incentives, permitting and advocacy, strategic planning and counseling, marketing and networking needs.