STATE PROGRAMS/RESOURCES:

Defiance County Health Department
Ohio Bureau of Workers Compensation
Defiance County Job and Family Services
Ohio: Coronavirus Resources
Shared Work Ohio Available to Employers
Ohio Development Services
SharedWork Ohio is an alternative to layoffs for employers experiencing reductions in available work. The Ohio Chamber of Commerce supported the creation of this program. SharedWork allows employers to preserve employees’ jobs and retain a trained workforce during difficult economic times by reducing hours to avoid layoffs.
Ohio’s Unemployment Hub
Small Business Administration
Small Business Administration Disaster Loan
Ohio Development Services – Small Business Relief
Coronavirus.Ohio.Gov/JobSearch to post and search. The site features a highly streamlined interface with only two main links – one for essential businesses, and one for job seekers. Applicants can search through jobs in their area, their region, and the entire state.
Get the most recent updates from the state www.OhioChannel.org.

FEDERAL PROGRAMS/RESOURCES:

Save Small Business Fund – providing $5,000 in short-term (grant) relief to employers across the United States.
Main Street Lending Program – New lending program for businesses with no more than 15,000 employees.
U.S. Small Business Administration (SBA) – the federal government has directed much of its aid to small and medium sized businesses into these low-interest loan programs:
Economic Injury Disaster Loan Assistance Program
U.S. Department of Treasury – FAQs for small and medium businesses to navigate paid sick and family leave tax credits
U.S. Department of Labor
U.S. Chamber of Commerce
IRS Tax Relief
Occupational Safety & Health Administration
USDA Rural Development
CDC

The Small Business Paycheck Protection Program provides small businesses with resources needed to maintain their payroll, hire back employees who may have been laid off, and cover applicable overhead expenses.
https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program

Find Paycheck Protection Program SBA-Approved Lenders
https://www.sba.gov/paycheckprotection/find

First Draw PPP Loans

Payroll costs, including benefits, mortgage interest, rent, utilities, worker Covid-19 protection costs, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations
PPP loans have an interest rate of 1%.
No collateral or personal guarantees are required.
Payments are deferred 10 months after the end of the covered period for the borrower’s loan forgiveness (either 8 weeks or 24 weeks).
Loans issued prior to June 5, 2020 have a maturity of two years. Loans issued after June 5, 2020 have a maturity of five years.
Eligibility includes businesses with 500 or fewer employees
Non-profits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors may apply
Deadline to apply March 31, 2021
https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program/first-draw-ppp-loans

Second Draw PPP Loans

Payroll costs, including benefits, mortgage interest, rent, utilities, worker Covid-19 protection costs, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations
Previously received a First Draw PPP Loan and will or has used the full amount only for authorized uses
Have no more than 300 employees
Can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020.
Deadline to apply March 31, 2021
https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program/second-draw-ppp-loans

Paycheck Protection Program Loan Forgiveness

Loans qualify for full loan forgiveness IF during 8-24 week covered period following loan disbursement:
Employee and compensation levels are maintained
Loan proceeds are spend on payroll costs and other eligible expenses
At least 60 percent of the proceeds are spend of payroll cost
https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program/ppp-loan-forgiveness