Small Business Resources


The Paycheck Protection Program resumed accepting applications July 6, 2020, at 9:00 AM EDT in response to the President signing the program’s extension legislation. The new deadline to apply for a Paycheck Protection Program loan is August 8, 2020. 

SBA’s West Virginia District Office hosts Q&A with SBA every Tuesday and Thursday at 2:00 p.m. to review the Paycheck Protection Program and Economic Injury Disaster Loan & Advance Program. 

Click below to view the Q&A with SBA July schedule.



Preliminary guidance Senator Manchin has put together on the CARES Act SBA PPP and EIDL programs.

Most up-to-date West Virginia Strong – The Comeback


West Virginia National Guard:






WVNG Family Programs Facebook:


New Resource from the U.S. ChamberState-by-State Business Reopening GuidanceThe U.S. Chamber remains a strong advocate for bringing Americans back to work and life in a gradual process done safely, successfully, and sustainably in the wake of the COVID-19 pandemic. This process, however, will be non-uniform and differ from region to region depending on the prevalence of COVID-19 and guidelines from local and state governments.From personal protective equipment (PPE) requirements to employee screening, the U.S. Chamber created the new interactive State-by-State Business Reopening Guidance map—equipped with current stay-at-home orders, timelines, state profiles, and more critical information—to help you and your members track the differences and provide the latest guidance for America’s employers. Click here to view the U.S. Chamber’s new State-by-State Business Reopening Guidance map.

VIEW THE MAP HERE (State by State)




Yesterday evening, Gov. Justice announced that, for the third consecutive day, the statewide cumulative rate of positive test results remained below 3 percent, meaning that the Governor’s six-week plan to reopen the state is officially underway.

In Week 1, outpatient health care operations may resume for facilities regulated by Licensing Boards contained in WV Code Chapter 30. Also in Week 1, daycare services across the state will be able to resume, provided that enhanced testing procedures are put in place at each of these facilities.

The “Week 2” phase of reopenings are scheduled to begin Monday, May 4, 2020. This includes small businesses with 10 or fewer employees, restaurants with takeaway service or outdoor dining options, religious entities and funeral homes, and professional service businesses such as hair salons, nail salons, barbershops, and pet grooming.

Reopening guidelines for businesses included in the Week 2 phase are now available

Several additional types of businesses will be permitted to reopen from Weeks 3-6. The opening schedule for these businesses will be based upon the recommendations of state medical experts and upon testing data available at that time. The Governor’s Office will announce which of these businesses will be able to reopen at least one week in advance of its respective reopening date.

OUTDOOR DINING AREA ADVISORY FROM THE ABCAThe West Virginia Alcohol Beverage Control Administration just released their Outdoor Dining Area Advisory for restaurants preparing to open outdoor dining next week.  To view the new advisory and access the application, click here.   Additional guidance from the Governor’s Office can be found here.
U.S. Travel Association – COVID-19 Cares Act Relief Resources
WVDHHR – Additional Guidance for Hoteliers
WVDHHR – Additional Guidance for Restaurants
WV Department of Agriculture – Additional Guidance for Farmers Markets
WV Department of Commerce – Business Resource Guide
Governor Justice’s Executive Order regarding self-quarantine requirements
Governor Justice’s Executive Order on golf courses
Governor Justice’s Executive Order on private campgrounds
Governor Justice’s Executive Order on the closure of the Hatfield McCoy Trail System
Governor Justice’s Executive Order on the closure of State Park lodging facilities 


Chamber Daily Bulletin – Top Takeaways

  • For smooth and safe reopening, businesses need consistent guidance and liability protections.
  • Dividends from public companies are essential for everyday Americans.
  • Congress must prioritize maintaining health benefits and increasing coverage options.
  • Keep your business strong, prepared, and proactive
  • Check out their COVID-19 page


Governor Justice conditional timeline for opening of WV businesses as posted on the Governor’s website.

West Virginia Strong The Comeback


Workforce WV to Start Processing Pandemic Unemployment Assistance Applications Friday for Self-Employed, Gig Workers and Independent Contractors
Eligible individuals encouraged to apply for Pandemic Unemployment Assistance on April 24 after 10:00 PM Under the CARES Act or the coronavirus aid bill, individuals defined as the self-employed (e.g. independent contractors, gig economy workers, and workers for certain religious entities), those seeking part-time employment, individuals lacking sufficient work history, and those who otherwise do not qualify for regular unemployment compensation or extended benefits will be eligible to apply for temporary unemployment benefits under the Pandemic Unemployment Assistance (PUA) program.

Visit the Workforce WV website and select the PUA button to process your PAU claim. This portal will not be open until Friday, April 24 AFTER 10 PM.
Once the claimant has submitted their application, Workforce WV will notify the individual if they need any other supporting documentation. The claim will be managed like a regular unemployment claim. For questions regarding applications, please contact the Workforce WV hotline at 1-800-252-JOBS. 

Please review the FAQs for Pandemic Unemployment Assistance (PUA) for more information about the program and supported documentation needed.



Yesterday morning, the attached press release was officially sent out and distributed to media outlets and organizations across the state. You may have received one. You can see several organizations joined together including the WV Development Office,  WV Chamber of Commerce and our statewide Regional Council Association to work to assist with a statewide need. This survey is important as the data being collected is crucial in our recovery efforts. If participation is high, the entire state will benefit from this. So, it’s important we spread the word.

The website to access the surveys is

There are two surveys. The first survey is the Business Locator and Operations Survey. This survey will allow respondents to list their amended hours of operation as well as the services they continue to provide during the pandemic.

The second survey, the Business Impact Survey, asks participants a series of questions that directly relate to the impact they are, or aren’t, experiencing as a result of COVID-19. This information will be vital in helping shape the way the State of WV responds to business needs both now and during the recovery stage. The data will be provided to our federal representatives to justify the need for stimulus funds in our communities and state.

Please go to the page and you will get an idea of how it incorporates data collection and information with GIS mapping (How many regional councils are supporting this effort).

Press Release


To extend a helping hand to small businesses suffering from the impacts of the coronavirus pandemic, the U.S. Chamber of Commerce Foundation – in partnership with Vistaprint and a coalition of supporting companies, foundations, and philanthropic donors – is working to provide financial relief through the Save Small Business Fund.

The Fund is providing $5,000 in short-term relief to employers across the United States, including chambers of commerce. These one-time supplemental cash grants are for businesses that have between three and 20 employees and operate in an economically vulnerable community.

The grant application will go live on Monday, April 20 at 3:00 PM ET. To learn more about the Save Small Business Fund and to apply for a grant, visit

We encourage you to share this information with your membership, and any small business that you know needs this immediate relief. To help spread the word on social media, your website, or any of your publications, you can access our graphics for the Save Small Business Fund program in our dropbox. Additionally, a marketing toolkit is attached.

Suggested social media posts


No business should have to close their doors as a result of the #COVID19 pandemic. That’s why the U.S. Chamber Foundation is teaming up with a coalition of companies to establish the #SaveSmallBusiness Fund and provide $5,000 grants to help employers get through the days and weeks ahead. Learn more at


Attention small businesses impacted by #COVID19: the @USCCFoundation has teamed up with @vistaprint on a new #SaveSmallBusiness grant fund. Every dollar counts. Learn more about how this $5,000 grant program can help meet short-term business needs at

Click Here to Learn More


U.S. Chamber of Commerce Daily Bulletin

Your daily guide to COVID-19 advice, resources and information.

Keep your business strong, prepared, and proactive.

Visit U.S. Chamber COVID-19 Info Page


Small Business Guidance & Loan Resources

COVID-19 Informational Webinars:

The U.S. Small Business Administration’s West Virginia District Office and the West Virginia Small Business Development Center will host trainings on the Economic Injury Disaster Loan program, Economic Injury Disaster Loan Advance, and the Paycheck Protection Program. 
Due to the high volume of COVID-19 loan relief questions our office is receiving, we recommend you attend any of the below sessions to learn more before calling.

Training Schedule:

  • Thursday, April 9, 2020 at 10 a.m. and 2 p.m.
  • Friday, April 10, 2020 at 10 a.m. and 2 p.m.
  • Monday, April 13, 2020 at 10 a.m. and 2 p.m.
  • Tuesday, April 14, 2020 at 10 a.m. and 2 p.m.
  • Wednesday, April 15, 2020 at 10 a.m. and 2 p.m.
  • Thursday, April 16, 2020 at 10 a.m. and 2 p.m.
  • Friday, April 17, 2020 at 10 a.m. and 2 p.m.

Log on here! You may also contact SBA’s Customer Service Center at  800-659-2955 or by email at


Below is the latest information from the U.S. Chamber on the Paycheck Protection Program (PPP), as well as a list of upcoming calls on the pandemic crisis.  Of particular interest is the updated Frequently Asked Questions (FAQ) on the PPP released today by the Dept. of the Treasury, which addresses many of the questions that have been raised during the webinars we have been conducting for your members.  The FAQ can be found here.

Surviving the Coronavirus Resources for Small Businesses from US Chamber, all their content in one place!

COVID-19 Business Relief Resources The Coronavirus has forced us to change how we approach day-to-day activities, reassess the definition of “essential” and find creative ways to conduct business domestically and internationally. As we navigate these uncertain times, everyone here at the West Virginia Development Office wants you to know that we’re all in this together. If you’re looking for answers, the West Virginia Department of Commerce recently launched a COVID-19 Business Resource Directory with information about state and federal assistance for businesses and communities affected economically by the Coronavirus.

Please see attached an updated FAQ list from the SBA about the PPProgram


Jefferson County Health Department – Shelter in Place Order

(4.3.2020) From the WV Development Office

The attached deck has some updated and additional information on the EIDL program and the PPP.


BREAKING: U.S. Department of Treasury and U.S. Small Business Administration Announce Paycheck Protection Program Final Rule, Small Businesses Encouraged to Approach Lenders Now
General Overview of the Paycheck Protection Program (PPP)
SBA lenders will start accepting Paycheck Protection Loan (PPP) applications today, April 3rd, for small businesses and sole proprietors. Independent contractors and self-employers can begin submitting applications on April 10th. This program provides potentially forgivable loans as long as the loan proceeds are used to cover payroll, mortgage interest, utility and rent costs over the 8 week period after the loan is made and employee and compensation levels are maintained.

Eligible Businesses
A small business with fewer than 500 employeesA small business that otherwise meets the SBA’s size standardA 501(c)(3) not-for-profit charitable organization with fewer than 500 employeesAn individual who operates as a sole proprietorAn individual who operates as an independent contractorAn individual who is self-employed who regularly carries on any trade or businessA Tribal business concern that meets the SBA size standard A 501(c) (19) Veterans Organization that meets the SBA size standard If you are in the accommodation and food services sector (NAICS 72), the 500-employee rule is applied on a per physical location basis If you are operating as a franchise or receive financial assistance from an approved Small Business Investment Company, the normal affiliation rules do not apply.

Ineligible Businesses
Businesses engaged in illegal activity under federal, state or local law. (Cannabis warning) A household employer (e.g. if you have a nanny, staff, etc.) Any previous defaults on a federal loan in last 7 years.

Other important information
1% interest rate
2 years (2) term
$10,000,000 Maximum Loan Amount
Payments for the loan will be deferred for (six) months. (Interest continues to accrue.)
No collateral or personal guarantees requiredForms needed by borrower: 

     -SBA Form 2483 (PPP Application)
     -Payroll documentationLender forms:
     -SBA Form 2484
     -Must be filed electronicallyAvailable until June 30, 2020

Quick Links:
PPP Interim Final Rule
PPP Fact Sheet
PPP Overview
PPP Application
Please Review

New COVID-19 Resources from the U.S. Chamber 
Updated with New Information from the U.S. Department of Treasury: Coronavirus Emergency Loans Small Business Guide and ChecklistThe U.S. Chamber’s Coronavirus Emergency Loans Small Business Guide and Checklist serves as a comprehensive step-by-step tool to help small businesses, independent contractors, gig economy workers and other qualifying individuals prepare to file for a coronavirus relief loan under the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The guide has been updated to include new information from the U.S. Department of Treasury, and is also available for download in Spanish here.
Click Here to View the Guide
Economic Injury Disaster Loan (EIDL) Program Guide
As you may know, the CARES Act expanded the Small Business Administration’s long-standing Economic Injury Disaster Loan (EIDL) program. The EIDL program was created to assist businesses, renters, and homeowners located in regions affected by declared disasters. The program is applicable to small businesses and most small nonprofits (less than 500 employees), sole proprietors and independent contractors. Click here to view our new guide that helps you and your members to check eligibility, understand loan parameters, and find out how to access $10,000 emergency grants. 
Click Here to View the Guide
Employee Retention Tax Credit Guide
The CARES Act also created a new employee retention tax credit—that does not have size restrictions—for employers who are closed, partially closed, or experiencing significant revenue losses as a result of the coronavirus pandemic. Click here to view our new guide to help businesses check eligibility, calculate their credit, and understand which employees count toward eligibility, among other information. 
Click Here to View the Guide

(4.1.2020) From WV Tourism Office

UPDATES & CLARIFICATION ON LATEST EXECUTIVE ORDER On Monday, the Governor announced that out-of-state visitors are required to self-quarantine for 14 days or the duration of the visit, whichever is shorter. The Executive Order does list a few examples of states and countries, by way of example only, that are “areas of substantial community spread of COVID-19,” but the Order explicitly says that those examples are “without limitation.” Obviously, the number of areas with substantial community spread is increasing every day, and will be ever-changing as this pandemic continues. Lodging operators should continue to closely monitor the news to be familiar with daily developments in that regard.Travel by infected persons is the means by which coronavirus spreads from state to state, so it is vitally important for the tourism and hospitality industry to take a leading role in protecting the lives and health of West Virginians, by contacting local law enforcement if guests or patrons are violating or flaunting the requirement to self-isolate for the first 14 days of their visit or the duration of their stay (if they are just passing through, for example).For more information about COVID-19 prevention and more, call the State’s toll-free hotline at 1-800-887-4304 or visit
ADDITIONAL GUIDANCE FOR HOTELIERS, LODGING PROVIDERS, RESTAURANTS & CASINOS At our request, the West Virginia Department of Health & Human Resources has prepared some additional guidance for hoteliers, lodging providers, restaurants and casinos. To view the additional information, please reference the links below:
Guidance for Hoteliers & Lodging Providers:
Guidance for Food Establishments:
Guidance for Restaurants, Bars & Casinos:


Information on the recently passed CARES Act. from Ryan Thorn, Economic & Workforce Development Manager, Office of U.S. Senator Joe Manchin.


Bowles Rice LLP has several COVID-19 Response Teams in place who are monitoring federal, state and local developments. Get their info here!


Click here for info on the small business payroll protection program


This is a call on congress to help the small businesses on main street. Click here to sign.


The most up to date information from the WV Development Office.

Please visit this link from the revamped WVDO website with a variety of resources relevant to the COVID 19 crisis.