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703 Chetco Ave
Brookings, OR 97415
(541) 469-3181

3/2/20:  Good afternoon,



Great news! Feedback in email, phone calls and from the SBDC is showing that business owners are reaching out to source funding and gain assistance in what can seem to be a cumbersome process. Keep reaching out. We are here to support you!



·Do you know a retired banker, economic advisor or business developer that might be willing to volunteer in helping businesses work through the COVID-19 recovery processes?

Please share the need and let us know if you have contacts that may be available.




·Outdoor Industry Association – Webinar on disaster loans and the advantage to the tourism industry.


·Historical Preservation and Main Street Resources -


·Another program created in the CARES Act is the Employee Retention Tax Credit available to all businesses and tax-exempt organizations. You could take advantage of this in lieu of the SBA PPP Loan Program.


It allows a 50% refundable tax credit on up to $10,000 in wages per employee, per quarter.


The conditions that need to be met are: 

  1. Business is fully or partially suspended due to a government order during COVID-19 outbreak, OR
  2. Decline of 50%+ of gross receipts, until gross receipts recover to 80% of a quarter in a prior year (2019)

The CARES Act also created an advance option for this credit, which can be applied for via the attached form (7200). Again, this could be useful information for your respective organizations or your private sector members/Board members.


The IRS published various forms, guidance and FAQs related to the Employee Retention Tax Credit today. FAQs -


·Coronavirus Emergency Loans: Small Business Guide & Checklist (in depth but covers a lot of the questions being asked)

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. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses.

These loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward. (To view the entire guide, please click here.)


Here are the questions you may be asking - and what you need to know.

1. Am I eligible? What will lenders be looking for?

You are eligible if you are:

  • A small business with fewer than 500 employees
  • A small business that otherwise meets the SBA’s size standard
  • A 501(c)(3) with fewer than 500 employees
  • An individual who operates as a sole proprietor
  • An individual who operates as an independent contractor
  • An individual who is self-employed who regularly carries on any trade or business
  • A Tribal business concern that meets the SBA size standard
  • A 501(c)(19) Veterans Organization that meets the SBA size standard

In addition, some special rules may make you eligible:

  • 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

REMEMBER: The 500-employee threshold includes all employees: full-time, part-time, and any other status.

2. What will lenders be looking for?

In evaluating eligibility, lenders are directed to consider whether the borrower was in operation before February 15, 2020 and had employees for whom they paid salaries and payroll taxes or paid independent contractors. Lenders will also ask you for a good faith certification that:

  1. The uncertainty of current economic conditions makes the loan request necessary to support ongoing operations
  2. The borrower will use the loan proceeds to retain workers and maintain payroll or make mortgage, lease, and utility payments
  3. Borrower does not have an application pending for a loan duplicative of the purpose and amounts applied for here
  4. From Feb. 15, 2020 to Dec. 31, 2020, the borrower has not received a loan duplicative of the purpose and amounts applied for here

(Note: There is an opportunity to fold emergency loans made between Jan. 31, 2020 and the date this loan program becomes available into a new loan) If you are an independent contractor, sole proprietor, or self-employed individual, lenders will also be looking for certain documents (final requirements will be announced by the government) such as payroll tax filings, Forms 1099-MISC, and income and expenses from the sole proprietorship.

3. How much can I borrow?

Loans can be up to 2.5 x the borrower’s average monthly payroll costs, not to exceed $10 million.


Payroll Cost:

1. For Employers: The sum of payments of any compensation with respect to employees that is a:

  • salary, wage, commission, or similar compensation;
  • payment of cash tip or equivalent;
  • payment for vacation, parental, family, medical, or sick leave
  • allowance for dismissal or separation
  • payment required for the provisions of group health care benefits, including insurance premiums
  • payment of any retirement benefit payment of state or local tax assessed on the compensation of the employee

2. For Sole Proprietors, Independent Contractors, and Self-Employed Individuals: The sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self-employment, or similar compensation and that is in an amount that is not more than $100,000 in one year, as pro-rated for the covered period.


Payroll Cost:

  1. Compensation of an individual employee in excess of an annual salary of $100,000, as prorated for the period February 15, to June 30, 2020
  2. Payroll taxes, railroad retirement taxes, and income taxes
  3. Any compensation of an employee whose principal place of residence is outside of the United States
  4. Qualified sick leave wages for which a credit is allowed under section 7001 of the Families First Coronavirus Response Act (Public Law 116– 5 127); or qualified family leave wages for which a credit is allowed under section 7003 of the Families First Coronavirus Response Act

4. Will this loan be forgiven?

Borrowers are eligible to have their loans forgiven.

How Much?

A borrower is eligible for loan forgiveness equal to the amount the borrower spent on the following items during the 8-week period beginning on the date of the origination of the loan:

  • Payroll costs (using the same definition of payroll costs used to determine loan eligibility)
  • Interest on the mortgage obligation incurred in the ordinary course of business
  • Rent on a leasing agreement
  • Payments on utilities (electricity, gas, water, transportation, telephone, or internet)
  • For borrowers with tipped employees, additional wages paid to those employees

The loan forgiveness cannot exceed the principal.

How could the forgiveness be reduced?

The amount of loan forgiveness calculated above is reduced if there is a reduction in the number of employees or a reduction of greater than 25% in wages paid to employees. Specifically:

  • Reduction based on reduction of number of employees
  • Reduction based on reduction in salaries

What if I bring back employees or restore wages?

Reductions in employment or wages that occur during the period beginning on February 15, 2020, and ending 30 days after enactment of the CARES Act, (as compared to February 15, 2020) shall not reduce the amount of loan forgiveness IF by June 30, 2020 the borrower eliminates the reduction in employees or reduction in wages.

Click here to view the entire guide with more information.


Opportunities and programs shared throughout the day -

Find these updates and more at -


Take good care,

Summer Matteson

Economic Development

Curry County, OR division of Community Development

(541) 247.3253 (541) 373.9027


Good afternoon,


A lot of developments made over the weekend to share. These updates are typically sent at the end of the day so that we are able to capture everything our state and regional partners are providing.


We know it is overwhelming to grasp and we certainly appreciate everyone that has reached out for direction. Please don’t hesitate to contact our department so we can point you in the right direction. In the effort to streamline the process for businesses seeking assistance, the Regional Solutions Economic Development Partnership is directing business owners to the Southwestern Small Business Development Center (SBDC):



The CARES Act was designed to stimulate the economy and provide relief to families and small business. Here is a summary:

Different versions of the summary are probably best for different audiences. Possibly the most digestible piece came out of the Senate committee that worked on the bill. That is attached.

Both of Oregon US Senate offices have posted extensive information as well:




Business Resources

oEconomic relief snapshot

oFacebook Small Business Grants Program - $100M in cash grants available for small businesses

oUSDA Rural Development’s COVID-19 resource page with information about Rural Development loan payment assistance, application deadline extensions, and more

oBusiness Oregon has translated its fact sheet on COVID-19 Business Survival Tips into Spanish.

oThe Oregon Small Business Development Center Networkhas consolidated COVID-19 Disaster Assistance Funding into one online location. The page is updated daily as information changes and new funding programs are identified.

oThe U.S. Small Business Association and the Outdoor Industry Associationare holding a webinar at 10 a.m. Pacific Standard Time on Tuesday, March 31. Webinar details and registration is available here.

oTheManufacturing Extension Partnership hasCOVID-19 resources, including information on managing supply chains, business continuity and financial resources.

oRemaining questions about Governor Brown’s 20-12 Executive OrderThe Governor’s page now has a “quiz”/tool to help employers figure out how best to comply with Exec Order 20-12:

oThe Oregon Department of Agriculture regularly updates its COVID-19 resource page with information about farm workers, animal health, food safety and more.



Worker and Unemployment Resources

oRestaurant workers impacted by COVID-19 can apply April 2 for a one-time, $500 grant to use towards housing, transportation, utilities, child-care, groceries, medical bills and/or student loans. These grants will be administered by the National Restaurant Association Educational Foundation on a first-come, first-served basis.

oOregon’s Occupational Safety/Health Division’s website for workers with concerns about their employer’s compliance with COVID-19 workplace guidance

oGovernor Brown’sadditional guidance on her Stay Home, Save Lives order as it relates to Oregonians experiencing homelessness and organizations that provide services to low-income Oregonians

oOHA’s cleaning tips for restaurants and other businesses that are still operating

oDepartment of Labor’s FAQs about paid sick leave and extended family and medical leave


Non-Profit Organizations

oThe Oregon Community Foundation provides funds through the to nonprofit organizations in Oregon that provide loans or grants to small businesses affected by COVID-19. Grants will be awarded to community lending organizations or other nonprofit intermediaries. Small businesses are not eligible to receive these funds.

oOregon Housing and Community Services has a COVID-19 landing page, with information a range of housing-related informationThe page also provides new information on the announcement by the state’s three largest utilities to suspend disconnection and late fees due to the pandemic.

oGovernor Brown’sadditional guidance on her Stay Home, Save Lives order as it relates to Oregonians experiencing homelessness and organizations that provide services to low-income Oregonians

oFive things your non-profit can do now

oNonprofit Association of Oregon – COVID-19 response, nonprofit employee support, funding, and management resources.




As always, follow us for updates made throughout the day: and Our County webpage is updated daily as well:



Summer Matteson

Economic Development

Curry County, OR division of Community Development

(541) 247.3253 (541) 373.9027

From Small Business Development Center. - SBDC:
As we face this national historic challenge, we are responding to struggling and closing businesses that are resulting from COVID-19. At some point, COVID-19 will pass and your Southwestern SBDC remains committed, in every community on Oregon's South Coast, to supporting small business recovery efforts, every step of the way. Even now, our staff and dedicated volunteer advisers are calling our clients to assure them we are here and working to help through this crisis.

As we await the United States House of Representatives to vote on the stimulus package that will bring more money in the form of forgivable loans and grants to our nation's small businesses, there are five things you can do right now to help prepare your business to work through the upcoming SBA Disaster Loan program application requirements.

1. Create a forecast

This forecast needs to use actual data from 2019 through March 2020. This data will help you build a worst, best, and middle-of-the-road forecast. This forecast will also give you a rough idea of how much you will need to weather the next three to six months.

2.Examine your expenses

Take a hard look at what is absolutely necessary to operate your business and eliminate the things that are not mission-critical.

3.Assess your staffing plans

This is the hard one. This requires a very tough look at what you need to keep your business afloat at the minimum.

4.Forecast your cash

Take an honest look at how much cash you have, and how long it will last, given a worst case scenario. Budget that cash.

5.Apply for a loan if necessary

If you work hard at steps 1 - 4, you may not need a loan at all. However, if you do, your SBDC is committed to helping you get one.

There are currently two primary loan programs available for small businesses.

This loan is for up to $2,000,000 and is based on your organization's gross profits from 2019.

This loan is for between $5,000 and $15,000 and is designed to help bridge the gap until your business is up and running or until you can get money from the SBA.

Please know that we are working closely with the Small Business Administration, Business Oregon, and many regional and local organizations and governments to provide assistance to our area's small businesses. We know this is an extremely difficult time and we also know that Oregon's South Coast residents are strong, resilient people - we will get through this and thrive!

Honored to serve,

Your Southwestern SBDC Staff

Please be proactive in filling out this form for your business:


In addition to the SBA link that has been circulating, there is a basic form for businesses titled "Estimated disaster economic injury worksheet for businesses".

(Link to form)

Please be proactive in filling one out for your business. While navigating this economic crisis, the inquiry for emergency small business funding is at the forefront of many of our minds.


The thought process in getting our local businesses to report their losses and economic injury will give legislators a better idea of what the actual impact entails.


We are suggesting that businesses keep track of their losses and how this is impacting our community moving forward. We will update businesses in where to send the information, but encourage business owners in being proactive.





Curry County has designated as their main landing page for information regarding this crisis.



The US Census Bureau monitors COVID-19 developments to support the health and safety of the public and our staff. Census Bureau personnel adhere to national, state, and local authorities’ guidance and constantly work to keep you informed of precautions we take and of operational adjustments as we launch the 2020 Census. Right now, almost all Census personnel telework from home.

The 2020 Census voluntary self-response feature is now available online in 13 languages (click Respond, and click the globe icon in the top right corner of the main page to view language options), and over the phone in 13 languages (English 844-330-2020; Spanish 844-468-2020).

Please encourage all your customers, clients or constituents, as well as your neighbors, friends, family, and relatives to complete the online self-response for their household right now. It’s important, easy, and safe, and the 2020 Census self-response is one small diversion from today’s news that will positively affect our communities for the next ten years.

Updated response rates for the 2020 Census in your community can be seen at this page on our website. Let’s work to get the highest response rate in the US!

Thank you for your work in supporting this monumental effort, and we look forward to continuing to work with you to get a complete and accurate count this year.

With wishes for health and wellness,
Your local 2020 Census Partnership Specialist on the Oregon Coast

Many of the events in town are being Cancelled or Rescheduled. We are making every attempt to update the Event Calendar, but we are not always made aware when an event is Cancelled or Rescheduled. Thank you for all your patience.


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Brookings Area Map
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The downloadable map feature that you will find in the lower left corner does support ZOOM feature for enhance viewing both on desk top and mobile devices.