COVID-19 Information

COVID-19 Information

Information for NJ Businesses on the COVID-19/Novel Coronavirus Outbreak

Please see the below information which will be updated regularly as more information becomes available.

For additional information on COVID-19/Novel Coronavirus and its impact on businesses, please visit the State of New Jersey business portal at


Please click on the images below to get the latest updates from CDFA (Consolidated Appropriations Act of 2021 including summary of relief provisions, appropriations and authorizing matters) and the Chamber of Commerce of Southern New Jersey (Small Business Program, EIDL Grant Program, Grants for Shuttered Venue Operators, Extended SBA Debt Relief Payments, and Enhancement of SBA Lending Programs)


General Information: 

State of New Jersey Business Portal:

State of New Jersey Reopening and Recovery Survey:

Unemployment Benefits:

New Jersey Department of Labor and Workforce Development:

New Jersey Department of Health Protocols for Essential Personnel Returning to Work:

Guidelines for Businesses to Reopen: 

We have put together a list of best practices for companies looking to re-open from across the country that has been compiled to serve as a base guideline for businesses in various sectors in Cumberland County. These are suggested protocols that would be the next step – not a full or unrestricted reopening, but the next stage of increasing the amount of commerce and interaction that can safely occur as New Jersey starts the reopening process.

Independent Contractors/Self Employed (Pandemic Unemployment Assistance):

Pandemic Unemployment Assistance (PUA) was created under the Federal Coronavirus Aid, Relief, and Economic Security (CARES) Act. This provides assistance to workers who are considered self-employed, independent contractor, gig, or platform workers. Please see the notices below on information to see if you are eligible to receive the benefit.

New Jersey Hiring Portal 

Employers in critical industries should submit information about openings with urgent hiring needs related to COVID-19 here:

Federal Disaster Assistance


for online application for paper application OR

Call:  1-800-659-2955

Please note:  SBA is in the process of gearing up for these programs and working with local lenders to determine documentation needs and process

LOAN AND GRANT PROGRAM:  3 step loan process for loans up to $2 million to alleviate economic injury and temporary loss of revenue due to the COVID-19 crisis; available to both small businesses and private, non-profits; Emergency advances of $10,000 as grants

**Businesses apply for the Disaster Loan first, AND THEN request an advance up to $10,000 through the Emergency Economic Injury Grant Program

For an information sheet:

Application process and full regulations being developed by SBA


(Program administered thru SBA lenders)

Cash flow assistance through 100% federally guaranteed loans to employers who maintain and bring back their payroll during the emergency; businesses under 500 employees; max. award of $10 million (250% x avg. monthly payroll costs); payments deferred for 6 months; no fees; max term 10 years, max interest rate 4%;  if maintain payroll, portion of loans is forgiven. Non profits are eligible for this assistance;  Economic Disaster loans/grants can be refinanced into a larger PPP loan or other SBA loans; eligible costs are salaries, commissions, mortgage interest, health benefits, rent, utilities, interest on debt.

Eligible Lenders


Federal Reserve (Main Street Lending Program):

The Federal Reserve has announced that it is establishing a Main Street Lending Program (Program) to support lending to small and medium-sized businesses that were in sound financial condition before the onset of the COVID-19 pandemic. The Program will operate through three facilities: the Main Street New Loan Facility (MSNLF), the Main Street Priority Loan Facility (MSPLF), and the Main Street Expanded Loan Facility (MSELF).




In conjunction with SBA lenders, there are three categories of debt instruments to help smaller and start up businesses:  SBA 7(a) loans, 504 loans, and microloans; these programs are available to borrowers who lack credit elsewhere and need funds for working capital, business purchase, refinancing or fixed assets; the banks share risk with the SBA; microloans provide up to $50,000 and come with technical assistance.

In Cumberland County, CBAC and UCEDC, two economic development nonprofit organizations can provide assistance through these programs

CBAC: Harry Stone






UCEDC: Ellen McHenry


Below are links and resources to help navigate the recent CARES act and what the programs and resources will become available.


NJEDA Resources

The NJEDA is working with the Governor and Legislature to develop programs for businesses financially impacted during this crisis. Here is the link to the EDA for additional information.

NJEDA Small Business Assistance Grant (Phase 2 Announced)Grants up to $10,000 to small businesses in retail, arts, entertainment, recreation, accommodation, food service, and other services to stabilize operations and reduce the need for layoffs or furloughs. Additional businesses to be included are Home-based businesses, Sole Proprietorships, Businesses with 25 employees, Non-Profits, and dedicated funding for Opportunity Zone based businesses.


Small Business Emergency Assistance Loan Program- Direct working capital loans of up to $100,000 to businesses with less than $5 million in revenue with losses due to disruptions from current emergency;  0% interest years 1-5; 3% thereafter; 10 year term, no fees; up to 12 months deferred.


NJ Entrepreneur Support Program – A $5 million program that will encourage continued capital flows to new companies, often in the innovation economy, and temporarily support a shaky market by providing 80 percent loan guarantees for working capital loans to entrepreneurs.


Small Business Emergency Assistance Guarantee Program – A $10 million program that will provide 50% guarantees on working capital loans and waive fees on loans made through institutions participating in the NJEDA’s existing Premier Lender or Premier CDFI programs.

Emergency Technical Assistance Program – A $150,000 program that will support technical assistance to New Jersey-based companies applying for assistance through the U.S. Small Business Administration.

NJEDA Business Survey

Consider taking the NJEDA Business survey about how your business has been affected and how the NJ EDA could assist. Business owners and key administration officials should be completing the survey. The New Jersey Economic Development Authority, in partnership with the Office of the Governor of New Jersey, is working to develop programs and resources to support New Jersey’s business community during the COVID-19 outbreak.

State of NJ-Plea for Personal Protective Equipment (PPE)

The state has stressed the need for personal protective equipment (PPE) for healthcare workers.  Anyone willing to donate equipment such as masks, gloves and eye protection is asked to please email

New Jersey Community Capital (Garden State Relief Fund) 

Fund for small businesses and non-profits with 3-75 full time employees; loans processed in 10-21 days; term up to 36 months; no interest loans for small businesses and 12 month deferral for Thrive SJ communities (Cumberland, Salem, Gloucester, and Western Atlantic Counties); loan amounts of $10,000-$75,000;  Online application:

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