Federal & State Government Resources


SBA Paycheck Protection Program:The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. 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. Businesses can find an eligible SBA lender near them via the SBA’s online tool. They have also created an FAQ found here.



Families First Coronavirus Response Act: On April 1, 2020, the U.S. Department of Labor announced new action regarding how American workers and employers will benefit from the protections and relief offered by the Emergency Paid Sick Leave Act and Emergency Family and Medical Leave Expansion Act, both part of the Families First Coronavirus Response Act (FFCRA). The Department’s Wage and Hour Division (WHD) posted a temporary rule issuing regulations pursuant to this new law, effective April 1, 2020.  For more information, see https://www.dol.gov/agencies/whd/ffcra.



GENERAL STATE GOVERNMENT INFO: During this very unsettling time, the Commonwealth is working quickly to ensure residents and workers in Massachusetts are as best supported as possible. Governor Baker and his cabinet have taken some immediate action to help relieve the pain felt by many. MassTLC will work to keep these resources updated on a regular basis, and the latest information and guidance regarding COVID-19 is available at mass.gov/COVID19.


BUSINESS LOANS: The Small Business Administration’s Economic Injury Disaster Loan program is now open in Massachusetts. Massachusetts small businesses can now access and apply for Economic Impact Disaster Loans at www.sba.gov/disaster.  The SBA has established a toll-free line to answer questions at 1-800-659-2955
TAX RELIEF: There will be tax relief measures for small local businesses which have been impacted by the ongoing COVID-19 outbreak. This tax relief includes postponing the collection of regular sales tax, meals tax, and room occupancy taxes that would be due in March, April and May so that they will instead be due on June 20. Additionally, all penalties and interest that would otherwise apply will be waived.

WORKSHARE PROGRAM: WorkShare is a program that offers an smart alternative to layoffs. Employees work reduced hours while collecting unemployment benefits to supplement their lower wages. Learn more here: https://www.mass.gov/topics/workshare-program.



UNEMPLOYMENT: There will be additional unemployment assistance to workers impacted by COVID-19. This legislation will allow new claims to be paid more quickly by waiving the one week waiting period for unemployment benefits. 


CYBERSECURITY: The U.S. Dept. of Homeland Security’s
Cybersecurity and Infrastructure Security Agency released a set of guidelines for lifeline sectors and essential businesses in how best to consider prioritizing activities, staffing their essential workforce and maintaining operations during the Covid-19 pandemic, particularly when state and local government entities are considering shelter-in-place orders and/or other turning down of operations to help slow the spread of Covid-19 Corona virus.  Please find updated guidance here as well as at: https://www.cisa.gov/publication/guidance-essential-critical-infrastructure-workforce