COVID-19 Business Resources

As communities throughout the nation work to mitigate impacts of COVID-19, local businesses face uncertainty in the wake of preventative measures intended to slow the spread of the virus.

The City of Pullman is committed to providing support our local business community. This page is intended to assist business owners and employees in identifying resources that may be helpful in the days or months ahead.
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Reopening Safely & Successfully

1. Business Safety Measures
Governor Inslee has asked all businesses to ensure adequate cleaning of stores, and to designate an employee or officer to implement a social distancing plan for their business.

Most workers in Washington will have to wear a mask or face covering at work under new coronavirus workplace safety and health requirements that take effect June 8. The Washington State Departnent of Labor & Industries has a COVID-19 webpage where employers can find training materials and important PPE guidance.

The ICSC recommends upgraded cleaning and hygiene practices. Key components of these practices include the disinfecting of areas susceptible to the spread of viral germs, including children's play areas, public restrooms, door handles, handrails, tables, etc., as well as scheduled daily cleaning of remaining spaces.

Businesses should install and maintain dispensers for alcohol-based hand sanitizer in locations where the spread of germs is likely, and where normal soap and water hand washing stations are unavailable. 

It is important that businesses establish and maintain open lines of communication with local health departments, and continue to follow local health directives.

Educate people about COVID-19 precautions and recommendations by displaying CDC public service announcements at entrances and throughout the property. Property owners should distribute these communications to tenants.

Consider establishing work cohorts, teams that work the same hours together, to enable resiliency

Encourage employees to stay home when they are sick

Provide employees with the appropriate resources to help protect themselves and their families.

Masks are a key Personal Protective Equipment (PPE) item, that can help to keep your employees and your customers safe. We have identified the following companies, which may be helpful in obtaining PPE for your business. We will continue adding to this list in the days ahead:
-BESS International (Order priority given to Washington businesses & residents)
-KADE & VOS 
-Monroe Mens

Inland Northwest PPE Requests
2. Promoting & Operating Your Business
Pullman Marketing Webinars for Small Business

In order to maintain sales, businesses should consider updating product and service options to accommodate online ordering, take-out, and delivery.

Provide current information for consumers by maintaining Google pages, social media accounts, and websites to reflect accurate information about product and service availability.

Palouseinfo.com lists the status, services and options for businesses. You can add your updated information.  

The Chamber of Commerce's COVID-19 page is hosting updated Pullman restaurant delivery & take-out options as well as retail and other business updates.
3. Finding Local Assistance
The following local contacts are glad to assist with SBA loan applications:

Aziz Makhani, Certified Business Advisor
Washington SBDC
(509) 335-8081

Marie Dymkoski, Director
Pullman Chamber of Commerce
(509) 334-3565

Jennifer Hackman,  Economic Development Manager
City of Pullman
(509) 338-3168

WaFd bank is offering a Coronavirus Business Line of Credit, a five-year line of credit with 90 days interest-free, for businesses impacted by COVID-19. 

Be sure to also check out Governor Inslee's Resource List for Businesses & Workers.
   

Funding Options: Grants & Loans

There are three types of SBA-backed loans. Borrowers can apply for both an SBA Economic Injury Disaster Loan (EIDL) and the Paycheck Protection Program loan. However, PPP loan funds and the EIDL cannot be used for the same purpose. The Paycheck Protection Program loan must be used for payroll (minimum of 75% of the funds received) for it to be eligible for a forgivable loan and the remaining is used for different purposes. Borrowers who accept both loan funds should document the uses of the funds appropriately.

Paycheck Protection Program
Cap: 250% of an employer’s average monthly payroll (wages, tips, FML, health benefits, retirement, state and local taxes), capped at $10 million.
Turn-around Time: ~2 weeks
Loan Forgiveness: Payroll for 8 weeks (including paid sick, medical or family leave and group health benefits), rent, mortgage interest, utilities between February 15, 2020 and June 30, 2020 can be forgiven. The amount of forgiveness can be reduced by any change in staffing or payroll expenses. Amounts forgiven shall be excluded from taxable income.
 
Paycheck Protection Program FAQ
Click here for more FAQ info. 

PPP Borrower Information Fact Sheet.pdf
Borrower Paycheck Protection Program Application.pdf

Click here to view the EZ Forgiveness Application
Click here to view the Full Forgiveness Application
SBA Express Loan
Cap: $1 million
Turn-around Time: ~36 hours
Loan Forgiveness: None 
Interest: 4.5–6.5% over the prime rate
Deferment of Payment: Up to six months
Covered Loan Period: February 15, 2020 – June 30, 2020.  
SBA Economic Injury Disaster Loan (EIDL)
Cap: $1 million
Turn-around Time: ~36 hours
Loan Forgiveness: None
Interest: 4.5–6.5% over the prime rate
Deferment of Payment: Up to six months
Covered Loan Period: February 15, 2020 – June 30, 2020. 
Participating Lenders
Paycheck Protection Program:
This list is up to date with information and links to lender CARES pages as of Friday, April 24. It not a conclusive list. Lenders are at various stages of accepting applications, and for whom; and policies are constantly changing. Please check with your preferred lender. 

Banner Bank (509) 332-1561
No information at this time; applications may be available when funding made available. 

STCU (509) 598-7706
Currently, STCU is taking and reviewing applications for the second round of PPP

Umpqua Bank (509) 336-2351 
Current Umpqua Bank customers who are interested in applying for the program, please provide your business and will be contacted via e-mail as soon as Umpqua resumes taking applications.

US Bank (509) 334-1313
Not accepting applications; goal is to reopen applications when additional funding is available.

WSECU Pullman Bishop branch directly at 800-562-0999 ext. 65000
Ready to process applications if and when the money is approved. You can submit an application and supporting documents.


SBA Express Loans:
a.   Washington Trust: Dyfed Avalon (509) 288-2195 
b.   Banner Bank: Zach Balmer, (208) 743-2537  or anyone at Pullman or Moscow branch
c.   Zions Bank: Alex Navarro (208) 883-2720 
c.   US Bank PPP Contact: Taylor Howell (208) 882-4670 
Small Business Grants from Community Action Center and Whitman County
Apply by May 27, 2020 for COVID-19 Microenterprise assistance grants for up to $5,000 each.

Funds are available on a limited basis, and applicants are not guaranteed assistance. Over $80,000 has been made available for these grants through a Whitman County Community Development Block Grant and Washington State Department of Commerce. These grant funds are based on COVID-19 impact to your business and to your personal household income.

For your privacy, information collected will remain confidential, used only to meet federal and state record keeping requirements, and withheld as applicable from disclosure.


Who qualifies?

-Small businesses with up to 5 full-time employees (or 5 full-time equivalent)
-Owner and business located in Whitman County
-Financially impacted or closed by COVID-19 and/or Stay Home order
-Business must operate from a brick and mortar location; ie, is not a home-based business
-Owner’s anticipated household income is within Whitman County LMI Limits
US Chamber of Commerce Foundation - Save Small Business Fund
The Fund is providing $5,000 in short-term relief to employers across the United States. These one-time supplemental cash grants are for businesses that have between three and 20 employees, and operate in an economically vulnerable community.

The grant application will go live on Monday, April 20 at 3:00 PM ET / 1:00pm MT / 12:00pm PT / 11:00am Alaska. To learn more about the Save Small Business Fund and to apply for a grant, visit: www.savesmallbusiness.com.
Verizon and LISC
Verizon and LISC have partnered to roll out a Small Business Recovery Fund with a second round of funding expected mid-April. Find out more here Verizon and LISC Small Business Recovery Fund 
GoFundMe
GoFundMe has created Small Business Relief Initiative: Small Business Relief Initiative and Fund FAQs
Facebook
Facebook has created a Small Business Grants program: Small Business Grants Program page
Google
Google has created a Small Business Grant, largely based on free advertising credits: COVID-19 Ad credits for Google Ads Small and Medium-sized Businesses