NY State Business-Individual Updates

We will continue to update this page with links as we receive them.


March 30, 2020

The Small Business Owner’s Guide to the CARES Act

From the US Senate Committee on Small Business & Entrepreneurship

To help small business owners and entrepreneurs better understand the new programs that will soon be available to them, the US Senate Committee on Small Business & Entrepreneurship created a comprehensive guide to many of the small business provisions in the CARES Act that was just passed by Congress. Click the link below for the guide.



March 29, 2020

Budget Decisions Will Tell If New York State is Serious About Economic Recovery

Click to read the EMPIRE REPORT


March 28, 2020
Small Business Guide & Checklist for Emergency Loans – Prepared by the US Chamber of Commerce

The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. The US Chamber has provided a resource guide for eligibility and requirements.

View the guide here


March 27, 2020 – NY State Unemployment Insurance

Here’s the new NY State site for unemployment insurance.  It now covers employees, freelancers and gig workers.  It also covers employees who were working for a short time, and might not be usually covered by unemployment insurance.



(courtesy of the RBA)

As the EIDL applications continue to surge, our Office of Disaster Assistance has provided an alternate method for applicants to submit and upload forms while the application portal is down for maintenance.

Here’s the link to the new application page with instructions for uploading documents: https://disasterloan.sba.gov/apply-for-disaster-loan/index.html

IMPORTANT: You may have to clear your browser cache if you receive an error accessing this page. The page has links to all of the relevant forms, and I’ve also attached them to this message.

Some notes to help folks with the application:

The Rockland Business Association is advising businesses to fill out the PDF forms and reach out to SBDC if they need assistance with compiling the financial information. They may request assistance with the application at www.nysdbc.org to make an online request.

In addition to the attached forms, they will also need to submit the most recently filed tax returns for the business and all owners of the business or a justification if not available. Sole proprietors are required to complete the 5C loan application form. All other businesses should fill out the form 5 business loan application.

Notes on filling out the forms:

  • On all forms “Damaged Property” simply refers to your primary location for the operations of the business.
  • On Form 5, skip box 15, this only applies to property damage loans.
  • There is no specific location to input a requested loan amount. The loan amount is determined by the supporting documents and any other relevant financial information provided that substantiates the economic injury.
  • All owners with 20% or greater ownership in the business must be included in the application.



We are working to keep New York State’s business community up-to-date regarding Executive Order 202.6. To slow the spread of the COVID-19 virus, businesses were required to reduce their onsite workforce by 100% as of 8 p.m. on Sunday, March 22, 2020. Only organizations and entities that are deemed essential by the Executive Order are exempt from these restrictions.

The Executive Order also directed ESD to establish guidance outlining which businesses are considered essential. ESD’s guidance has been updated as of March 27, 2020. Please note that ESD’s guidance is subject to change as the State adapts its response to combating COVID-19.

Be advised that any previous designation or determination by ESD that a firm is an essential business that is inconsistent with the revised guidance is no longer valid.

UPDATED GUIDANCE – as of 3/27/20

For purposes of Executive Order 202.6, “Essential Business,” means businesses operating in or as:

  1. Essential services including
  • Bicycle repair
  • Laundromats and other clothing/fabric cleaning services
  • Automotive sales conducted remotely or electronically, with in-person vehicle return and delivery by appointment only
  1. Construction
  • All non-essential construction must shut down except emergency construction, (e.g. a project necessary to protect health and safety of the occupants, or to continue a project if it would be unsafe to allow to remain undone until it is safe to shut the site).
  • Essential construction may continue and includes roads, bridges, transit facilities, utilities, hospitals or health care facilities, affordable housing, and homeless shelters. At every site, if essential or emergency non-essential construction, this includes maintaining social distance, including for purposes of elevators/meals/entry and exit. Sites that cannot maintain distance and safety best practices must close and enforcement will be provided by the state in coordination with the city/local governments. This will include fines of up to $10,000 per violation.
  • For purposes of this section construction work does not include a single worker, who is the sole employee/worker on a job site.

Continue to visit esd.ny.gov, where you will find additional COVID-19-related business resources, such as Small Business Administration (SBA) loan application assistance, FAQs and other information.


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