April 15—this is not your typical April 15! Usually we are rushing around making sure our income tax returns are completed properly and getting into the mail. Right now, this annual duty is the farthest thing from anyone’s mind as we are trying to stay healthy. Many of us are trying to figure out what will become of our jobs or our small businesses.

What are some options for our small businesses? First, please remember that independent small businesses are the lifeblood of the economy throughout the United States. Currently, it is so important that we support the local businesses in our community. Remember, most professional services businesses are working from home and can meet your needs for insurance, accounting, legal, etc. Several restaurants and eateries are open for your takeout orders and really need you now.

For individuals who are not working or working only part time, file for NJ Unemployment benefits. New Jersey has a very large unemployment insurance fund due to the large workforce in our state paying into the fund. Also, the system is working in a timely manner. If you file, expect your first direct deposit in about two weeks after your filing date. The federal government will soon be adding $600 per week to every claimant’s account. The distribution should begin, via NJ Unemployment within the next week or two.

Small business owners are targeted by the United States Small Business Administration (SBA) for Payroll Protection Program (PPE). In a few words, this is a “forgivable loan” as long as your business can continue to pay full-time employees and/or full-time equivalent employees (such as two part-time employees). If you apply for this loan, you must do so through a bank in your community where you have deposit accounts. Check with your bank to know if they are accepting applications. Once your loan is approved, your bank has 10 days to distribute the money to you.

The state and the federal governments are working and planning to add grants/loans that will be helpful. It’s important for you to check websites for updates for all possible funding. For now, check these websites and you may find solutions to some of the difficulties you are facing. If you need more information or have questions, e-mail me at: [email protected] or call 856-293-0556.

The Cumberland County Improvement Authority has a very helpful page with a COVID-19 resources guide: ccia-net.com/economic-development/covid-19-information/

Please remember that there are people and businesses like your own in every part of the United States. Have patience while you’re waiting for approvals from any of these funding sources. If you are fortunate to have your job and are getting paid, be helpful to others by volunteering or spend money in the local businesses that can provide a service to you.

I’m encouraging you to “like” some of the most popular Facebook pages in the Glasstown Arts District: Millville Glasstown Arts District, Riverfront Renaissance Center for the Arts, and Levoy Theatre. These non-profits share experiences and information on a regular basis. Although we won’t be able to enjoy the annual Studio Tour, MultiCultural Festival, free jazz concert, theater and concerts, art openings and so much more, we want to stay in touch with all of our patrons and friends. n