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https://www.smallbizcovid19.com/comprehensive-agenda-summary/racial-equity monthly 0.5 2020-08-05 https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f10af83fa863743b93ae65a/1594933855080/5+%281%29.png Comprehensive Agenda Gallery - Addressing Racial Disparities in Accessing Business Relief Programs - Specific Racial Equity Proposals. Direct Treasury targeted grant program. Senator Harris’ and Rep. Pressley’s Saving Our Streets Act provides up to $250,000 in direct grants to micro businesses (under 20 employees) or nonprofits through the newly established Micro Business Assistance Fund that can be used for payroll, rent and mortgage, utilities and other business expenses, including PPE and hazard pay. Expand funding for state and local grant funds. The bipartisan RELIEF for Main Street Act Sen’s Booker, Murray and Daines Act directs $50 Billion in funding to state and local funds to significantly boost support for very small businesses (under 50 employees) through state and local funds that can devise flexible programs to reach those most in need and has bi-partisan support. The Act also ensures that next rounds of PPP and EDIL are better targeted to reach those left out of first rounds through set-asides, reporting and increased outreach. (RELIEF Act) Targeted PPP. Senator Cardin, Senator Coons, Senator Shaheen’s Prioritized Paycheck Protection Program (P4) Act is an important contribution, but not a comprehensive solution, to addressing equity within PPP. The proposal, which targets aid and direct assistance to very small businesses to apply for PPP is supported alongside other equity measures. Reporting. All support programs must include reporting by race, business size, industry and geography to ensure resources are reaching those most in need. https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f159be555e4ba6ef2506da1/1595251701210/IMG_20191003_122942_697.jpg Comprehensive Agenda Gallery - Addressing Racial Disparities in Accessing Business Relief Programs - “At this moment it’s imperative for all of us to look at how we can support Black businesses and Black people through a worldwide pandemic,” Natasha Crosby, realtor and Main Street Alliance Member said. “If we want to examine the injustices that have taken place, then let’s really put our money where our mouth is.” — Natasha Crosby, Natasha Crosby Realty, gives a first-time homebuyers seminar pre-pandemic. Read the full story on Huffington Post: COVID-19 is Shattering Small Businesses. Their Survival Depends on Us. https://www.smallbizcovid19.com/comprehensive-agenda-summary/payroll-guarantees monthly 0.5 2020-08-05 https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f10c0a4be4d71791861ffab/1594933425561/Payroll+Guarantee+Stat.png Comprehensive Agenda Gallery - Payroll Guarantees to Last Through the Crisis - Payroll Support Policies. Payroll Guarantees. Countries that elected direct subsidies to business, have been spared the massive spike in unemployment we have experienced here in the US. We need direct subsidies -- not loans to all employers with fewer than 500 employees to cover fixed costs and bring employees back on payroll at full wages. Either through direct payroll subsidies, or expanding the current Employee Retention Tax Credit. Workshare programs allow employers to partially lay off workers while they can also access partial unemployment benefits. This innovative and flexible program -- ideal for cyclical downturns -- keeps employees attached to their employer allowing for worker stability and quick ramp-up. The Rebuilding Main Street Act strengthens workshare from the CARES Act in several ways, including pairing it with retrofit grants. (see below for more.) Second round of PPP Prioritized Paycheck Protection Program (P4) Act Senator Cardin, Senator Coons, Senator Shaheen P4 Act opens up a second round of PPP to small businesses who have exhausted the first round and suffered a drop of revenue of 50% or more. Extended UI. Boosted UI payments that have prevented widespread economic ruin, expired at the end of July - and must be extended. This support should be paired with federal support for rehire bonuses to address inequities in salary scales and strengthened Family First sick leave support. We need a strong and complementary program of support for employers and employees for the year ahead. https://www.smallbizcovid19.com/comprehensive-agenda-summary/retool-retrofit monthly 0.5 2020-07-17 https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f10c73a07e3f53033dbaf1f/1594935105841/Rent+stat.png Comprehensive Agenda Gallery - Support for Small Businesses to Retool and Last - Policies to support fixed costs. Retrofitting/Retool/PPE - Rebuilding Main Street Act provides grants to cover up to 50% of the employer’s fixed costs and expenses necessary to reopen and reconfigure their businesses, with a cap of $300,000 per employer. Save American Main Streets act would provide immediate tax rebates to small businesses equal to 30% of the gross receipts reported in a previous year, up to $75,000. These are good starts -- but need to be built on and strengthened to be more universally available. Rent Relief - As a stopgap measure, states, localities and the federal government passed tenant and commercial eviction moratoriums. Many of these are now coming to an end just as extended UI many end -- which may result in a tidal wave of evictions, disportotionaly impacting communities of color who are twice as likely to rent. With this lengthening crisis we need a comprehensive solution to link rent and mortgage subsidies and avoid mass evictions of families and small business tenants. Some states have taken the lead on such bills (NY, CA. DC) that need additional federal support. Further we need to explore options of initial public buy-out to ensure there is not a wholesale consolidation of private equity Relaxed Fixed Cost Ratios - One of the strongest criticisms of the PPP program was the criteria that 75% of cost go to payroll for the loan to be fully forgivable. While this ratio has been dropped to 60% - this is still a high bar for many businesses in high rent areas and with sectors with high fixed costs. Programs need to build in more flexibility to address these variations. https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f10c53807e3f53033db51cf/1594934600093/Screen+Shot+2020-07-16+at+5.21.03+PM.png Comprehensive Agenda Gallery - Support for Small Businesses to Retool and Last - “ My margins are already low. My revenue has and will continue to be severely declining. And my costs are going to go up because I need to keep paying for the masks and the sanitizers and the new HVAC filters,” Tracy Singleton said, owner of Birchwood Cafe. “There are so many things, and there isn’t relief in place for those kinds of costs.” — Read the Full story in Washington Business Journal: Small businesses note another flaw in SBA's PPP as reopening costs mount https://www.smallbizcovid19.com/comprehensive-agenda-summary/care-infrastructure monthly 0.5 2020-07-17 https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f10cbeeec262e1daf59058c/1594936321025/Child+Care+Stat.png Comprehensive Agenda Gallery - Bolster Our Care Infrastructure - Care Infrastructure Policies. Health care Almost 28 million people are uninsured in the U.S., and an alarming share of those who have already died from COVID-19 are Black. The federal government must mobilize to ensure equitable distribution of health care resources and stop any pandemic profiteering especially by drug corporations. Two bills that establish critical protections against drug price gouging for COVID-19 are the Make Medications Affordable by Preventing Pandemic Price-Gouging (MMAPPP) and the TRACK Act (Taxpayer Research and Coronavirus Knowledge Act. Child Care. Any recovery plan that brings workers to work, needs to ensure the availability of child care and the sustainability of child care small business. Yet, half the child care supply in the United States is potentially at risk of closing permanently. Rep. DeLauro, Rep. Scott, and Sen. Murray (along with other cosponsors) have introduced the Child Care is Essential Act providing $50 billion in funding to stabilize the child care industry via CDBG funding. Adopt universal and federal paid sick and family and medical leave programs. One of the top concerns of small business owners is the health and safety of their employees and customers. During the pandemic, access to paid sick days and medical leave are a critical component of a responsible reopening of our economy. While the Family First legislation added fully refundable sick and day care leave for many businesses, many others were carved out of those protections. We support the paid leave provisions of the HEROES Act that would provide all workers and independent contractors with 10 paid sick days per year until 2022 and eliminate loopholes in the Families First Coronavirus Response Act that excluded millions. . https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f10cf6b07e3f53033dcfd53/1594937209571/Screen+Shot+2020-07-16+at+6.06.13+PM.png Comprehensive Agenda Gallery - Bolster Our Care Infrastructure - A shortage of personal protective equipment – or PPE – for the health care workers on the frontlines of this global pandemic. Detroit-based clothing brand DIOP and Detroit Action teamed up to provide 5,000 masks to essential health care workers…. but this should not fall on the backs of small businesses. We must invest in actual health care infrastructure, including an affordable vaccine and universal health coverage. — Read more at Blac: Fashion Brand DIOP and Detroit Action Collab to Provide Masks to Health Care Workers https://www.smallbizcovid19.com/comprehensive-agenda-summary/predatory-loans monthly 0.5 2020-07-17 https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f11d1ad8fe11b29248af461/1595003321756/permanently+closed+stat.png Comprehensive Agenda Gallery - Prevent Usury Financial Practices - Policies to support small business finances Prohibit predatory lending: Small business owners need strengthened protections to prohibit high cost loans during the crisis. Banks have access to financing at extraordinarily low rates but there are no limits on high-cost and predatory loans to small businesses. Interest rates on any new credit extended to small businesses during the emergency should be capped to prevent profiteering by predatory lenders. Personal guarantees for loans should be banned. Protection from debt collection harassment and usury practices. All new and existing garnishments and repossession should be stopped, and banks should suspend any garnishments already in place. No debt should be sold, and no additional interest or fees should be applied on such debts. Bankruptcy. When bankruptcy is unavoidable, we need to ensure small businesses have all the support they need to restructure versus liquidating. New bankruptcy rules exist for small business in the The Small Business Reorganization Act that was passed last year and was expanded in the CARES Act. We need additional outreach and education for small businesses about this option. Increased bankruptcy court funding and authorizing additional temporary bankruptcy judges is needed to help clear clogged dockets so that small business is not steered towards liquidation as has happened in previous recessions. https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f11d18a572e0b612008d601/1595003288631/closed+bankruptcy+image.png Comprehensive Agenda Gallery - Prevent Usury Financial Practices - “New data suggests that 43% of small businesses in the U.S. could shutter permanently in the next six months, according to a poll by the U.S. Chamber of Commerce. It's what Amanda Ballantyne, executive director of Main Street Alliance, an advocacy group for small business, told The New York Times was "a crisis that will impact our economy for generations. We’re going to lose so much of the small-business sector." Read More in Fortune: A new bankruptcy law could prove a big help for small businesses. Here’s everything you need to know https://www.smallbizcovid19.com/comprehensive-agenda-summary/state-funding monthly 0.5 2020-07-17 https://www.smallbizcovid19.com/comprehensive-agenda-summary/reopening-responsibly monthly 0.5 2020-07-17 https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f11f92334b4870aee9c9817/1595013424898/Corporate+Immunity+stat.png Comprehensive Agenda Gallery - Reopening Responsibly - Principles for Reopening: See our full Platform for Pandemic Resilience Direct support for small businesses for the duration of the pandemic and that allows reopening at the pace and level businesses need to safeguard the health of owners, staff, and customers. Adequate testing, tracing, supported isolation. Clear, industry-specific workplace safety standards and support. Health care and economic protection for all workers and families -- without immigration-based discrimination -- to support both a healthy workforce and local spending. We do NOT need corporate immunity which removes incentives for corporations to follow basic worker and consumer safety requirements and puts people at risk -- then makes them pay for the harm. Instead of promoting a race-to-the-bottom with life or death consequences, lawmakers should support responsible small businesses. https://static1.squarespace.com/static/5e6a768131c8f538ad00b294/t/5f11f5f40aeef2074d0020d8/1595012616380/Screen+Shot+2020-07-17+at+3.00.28+PM.png Comprehensive Agenda Gallery - Reopening Responsibly - “With a patchwork of rules and guidelines being issued at the city, county, state and federal levels, many employers find themselves wondering when it will be safe to open and how to make that choice — especially as some states are seeing an uptick in new cases of Covid-19.” Read more about Main Street Alliance Member Adrift Hospitality’s journey to reopen, featured in the New York Times: What It Takes to Reopen a Small Business Right Now