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Covid-19 Business Relief

NYC Guidelines for Reopening Your Business Webinar from SBS (Small Business Services). Webinar will be on Friday September 18 from 10am to 11am. Here is the link to copy for the eventbrite Regristration:










New York State Launches Small Business Loans For those who didn’t get money from the Federal Goverment. On the link below there is more information on what the State Goverment has to offer and how to apply.


Dear small business partner, 


As you know, this is a rapidly changing situation and we are here to support you, whether you are a business owner or a jobseeker.   


Please see below for a roundup of new developments as of May 7, 2020.   


Though we are still under NYS On Pause until next Friday, May 15, 2020, Governor Cuomo has outlined a series of metrics to help determine when NY can reopen, called New York Forward. You can see the outline and where we stand here


New York State's moratorium on COVID-related evictions will be extended until August 20th with fees for missed or late rent payments banned during the moratorium


SBS is offering daily webinars to help you learn about a range of assistance available for small businesses in NYC impacted by COVID-19.  


Topics include:  

  • Financial assistance, including public and private funding opportunities 

  • Tax, debt, and utilities relief 

  • Marketing support 

  • Regulatory changes 

  • Employee support 


This webinar is offered in Mandarin every Thursday (next one is May 14), and will be held in Spanish on Monday, May 11.


Find the full list of dates and sign up here, and search for “Assistance Overview for NYC Small Businesses Impacted by COVID-19. 


Need technical assistance? Businesses can access free assistance to apply to the SBA loan products. 


We help businesses: 

  • Understand which loan is best suited for their needs   

  • Review and put together loan documents  

  • Calculate loan repayment terms  

  • Connect with multiple lenders – including banks, credit unions, non-profit lenders and the Small Business Administration (SBA)  

  • Prepare SBA loan forgiveness documents  

  • Understand loan payment deferment options  


Learn more about technical assistance.  


Need legal assistance? The Small Business Legal Relief Alliance (SBLRA) is a group of legal service organizations and 15+ top law firms providing free consultations with pro bono lawyers for small businesses impacted by the COVID-19 pandemic. The Alliance serves small businesses, nonprofits and self-employed individuals in practice areas including: loan & grant, tax, commercial lease, contracts, employment, insurance, and intellectual property, among others. Request a consultation here.  


The NYC Food Czar, Kathryn Garcia, shared the following updates and reminders with us: 


Bars and restaurants are allowed to be open for take-out/delivery only. 

  • On-premises licensees can sell alcohol for off-premises consumption 

  • Bars and restaurants should adopt policies that promote social distancing for waiting patrons and cannot exceed 50% of capacity for patrons waiting inside the premises.


Face Coverings


All bars and restaurants must provide, and their employees must wear, a face covering when in direct contact with customers or members of the public, except where doing so would inhibit or otherwise impair the employee’s health. More details about this requirement can be found here


A face covering is any well-secured paper or cloth that covers one’s nose and mouth. Face coverings can be such items as bandanas or scarves, provided they cover the nose and mouth.  


Patrons must wear face coverings and practice social distancing when waiting for take-out. While bars and restaurants should adopt policies that promote social distancing, it is the customer’s responsibility to comply with social distancing requirements.  


Bars and restaurants can adopt a policy that prohibits customers from entering your restaurant or being served without a face covering. More about face covering requirements for restaurants and other essential businesses can be found here. 


Guidance For Serving Alcohol Through Take-out Windows


While bars and restaurants are allowed to operate take-out windows onto the sidewalk for alcohol, congregating and consuming alcohol on the sidewalk is not permitted. While patrons are responsible for practicing social distancing while waiting for food and/or alcohol, bars and restaurants should adopt policies that promote social distancing and should also arrange to: 

  • Manage lines to allow for social distancing 

  • If there’s a take-out window onto the sidewalk, allow for enough space for those passing by to practice social distancing 

  • Ensure that there is no congregating/gathering outside of the take-out window 


When adopting policies related to face coverings and social distancing, bars and restaurants must offer reasonable accommodations to customers with disabilities and should follow the guidance of the New York City Commission on Human Rights for “Public Accommodations Protections,” found here.



Tip: Ask your lender!

Ask your lender or accountant about depositing any SBA funding into a separate business banking account. They may recommend doing so, and using that account to only pay for eligible expenses outlined by the SBA, which include: payroll, mortgage interest, rent, utilities, retirement benefits, and health insurance. Separating out your SBA funds from other sources of income may help you more easily prove compliance and enable forgiveness of these loans.  


Grants & Loans


NY Presbyterian Hospital in partnership with Congressman Adriano Espaillat 
have established a $10M fund to help small businesses in Washington Heights and Inwood. The fund is being managed by the Hispanic Federation. 

If you have questions, please contact Congressman Espaillat's office:

The United States Chamber of Commerce  Foundation
has made available grants of $5,000 for those businesses that qualify.  Criteria includes:

1. Employ between 3 and 20 people
2. Be located in an economically vulnerable community
3. Have been harmed financially by the COVID-19 Pandemic.  

More information here:

CARES ACT:  A massive stimulus package was passed by Congress.
The section that applies to small businesses can be found within the Paycheck Protection Program (PPP) which includes loan forgiveness for eligible businesses.  
Among the loan forgiveness provisions:
Payroll Costs
Interest payments on any mortgage incurred prior to February 15, 2020
Payment of rent on any lease in force prior to February 15, 2020
Payment on any utility for which service began before February 15, 2020                                
This is a first come, first serve program. An additional  $484 billion was just passed by Congress for small businesses, hospitals and coronavirus testing.  Please check with your bank to apply for the PPP program

Treasury Secretary Steve Mnuchin called on large businesses that applied for and received loans for PPP to return them in the near future.  (The Hill, April 22, 2020)

Quote from MNUCHIN: 

"The intent of this money was not for big public companies that have access to capital" Mnuchin said, adding that there will be severe consequences for companies that accept funds that should have gone to small businesses.

Paycheck Protection Program sample application

Additional lender information:
The following are community development organizations who are also managing applications. Please contact them directly for more information.

ACCION   Loans up to $10,000 for existing clients only.
Contact:  Sandra Bojorque

BROOKLYN COOP   Loans  up to $250,000.  Applications accepted from non-members
Contact:  Jesus

Economic Industry Disaster Loan (EIDL).  

You can apply for up to $10,000 of emergency relief. Apply online and be prepared to answer multiple questions on the state of your business.

The complete guide to the CARES Act

LISC Relief grant for small businesses
If you have not heard directly from Verizon / LISC, chances are you wee not chosen in the first round.  Keeping in mind this is a lottery, and over 55,000 businesses applied.

The SECOND ROUND is now open. Deadline is Tuesday, April 28th, 11:59 pm.
Frequently Asked Questions (FAQs) on the stimulus package:
Legal Aid Society provides legal assistance
Questions regarding you lease / rental obligations?  Or your rights and responsibilities as a commercial tenant?
Rolando Gonzalez, Staff Attorney 
Community Development Project
The Legal Aid Society

Facebook loans for small businesses

Renaisssance EDC Emergency Loan

Hebrew Free Loan Society Coronavirus Financial Impact Loan

General  resources for artists, small businesses, individuals


Starting today, Friday April 24th, the NYC SBS will be offering webinars to provide an overview of available assistance for small businesses impacted by COVID-19. The webinars will cover:

·  Financial assistance through the SBA and other private, philanthropic, and non-profit organizations

·  Tax, debt, and utilities relief

·  Marketing support

·  Regulatory changes

·  Employee support


These webinars are great resources to help share with businesses who may be looking for assistance. They will also serve as a prerequisite for accessing more in-depth Technical Assistance. If a business owner would like help applying after learning about SBA programs in the webinar, they will receive a link after the webinar to sign up for help.  


Businesses should register for the webinars on Eventbrite. Note, this is the same webinar offered multiple times. No need to attend more than one. 

Friday, April 24, 2-3pm:
Tuesday, April 28, 5:30-6:30pm: 
Thursday, April 30, 10-11am: 





Open Businesses in our Area



181 Pharmacy – 565 W 181ST New York, NY 10033



Aladdin Grill & Rice – 736 W 181st New York, NY 10033



Antojitos Tacos – 511 W 181st New York, NY 10033



California Fruit Market – 1456 ST Nicholas Ave, New York, NY 10033



Caridad Restaurant – 554 W 181st New York, NY 10033



Chinese Restaurant – 800 W 181st New York, NY 10033



City Drugs and Surgical – 719 W 181st New York, NY 10033



Domino’s Pizza – 736 W 181st New York, NY 10033



Dunkin Donuts – 728 W 181 Street New York, NY 10033



Fish Market – 4250 Broadway New York, NY 10033


Forever Coffee – 714 W 181st New York, NY 10033



Georges Pizza – 726 W 181st New York, NY 10033



GNC – 620 W 181st New York, NY 10033



Healthy Bites – 4226 Broadway New York, NY 10033



Heidys Pharmacy – 522 W 181st New York, NY 10033



House Care – 4257 Broadway New York, NY 10033



Junior’s Fresh – 4233 Broadway New York, NY 10033



Junior’s Restaurant – 4235 Broadway New York, NY 10033



La Casa Del Pollo – 4231 Broadway New York, NY 10033



La Pinata Cuisine – 711 W 181st New York, NY 10033



Mc Donald’s – 4040 Broadway New York, NY 10033



Mediterranean Restaurant – 736 W 181st New York, NY 10033


Nelo’s Market – 1391 Saint Nicholas New York, NY 10033



New Life – 714 W 181st New York, NY 10033



PR Aid Pharmacy – 4188 Broadway New York, NY 10033



Safe Heart Pharmacy – 1400 St Nicholas New York, NY 10033



San Pedro Pharmacy – 1381 Saint Nicholas Ave, New York, NY 10033



Tierra Y Mar – 4221 Broadway New York, NY 10033





Here is a link to the FAQs.  


There are also “Rules and Regulations” for the PPP published in the Federal Register dated April 15.