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Overview of US Economic Relief - Protecting Your Business Through Crisis

We are in crazy times. We want to help you get through the current economic and health challenges so that your organization can thrive on the other side.

Between the Families First Coronavirus Response Act and the CARES Act, the government is offering over $2 trillion of relief to families and businesses.


Ok, so how do you get your slice of this very large pie to support your organization?

Below we offer overviews of some of the critical relief programs with relevant links to additional resources.

  1. EIDL "Grant" - We suggest you do this TODAY! The Economic Injury Disaster Loan program now offers a $10k advance upon loan application, even before approval. And if you're not approved, the $10,000 does not need to be repaid. And the best news - you can easily apply in under 20 minutes (i.e. no banker needed for assistance).

    COVID-19 EIDL Application:
    SBA's EIDL Info:

  2. Payroll Protection Program (PPP) - This is the big one you've most likely already heard about. The PPP offers loans based on 2.5x your average monthly payroll, up to $10 million. The principal is forgiven when the funds used for qualifying expenses. Those qualifying expenses include payroll, interest, rent, utilities and insurance.
    Note that an approved SBA lender must process the application, so check with your most friendly banker first!

    PPP Application:
    For more PPP info from Gusto Payroll:

  3. Tax Credits for Emergency Sick Leave and Family Medical Leave - The Families First Coronavirus Response Act (FFCRA) provides two weeks of paid sick leave and up to 12 weeks of family and medical leave by amending the Family and Medical Leave Act (FMLA). The new law offers payroll tax credits to pay for these benefits.

    Lots of details in these, so get more info here:

  4. State-by-State Tax Relief - In addition to the Federal Government relief efforts, an increasing number of states are announcing their own relief measures, including extensions, forgiveness and financing plans.

    Look for your state here:

There are other options if you do NOT take a CARES Act loan. Note that these cannot be combined with PPP loans (and maybe some others too).

  1. Payroll Tax Deferment - Qualifying small businesses can defer payroll taxes through the end of 2020. This essentially acts as a no-interest loan. These deferred payroll taxes will be due at the end of 2021 and 2022. To take advantage of this one, contact your payroll processor to activate the deferment.
  2. Employee Retention Credits - Eligible employers can receive a retention credit for up to 50% of employment taxes on the first $10,000 of qualified wages for each employee paid between March 12, 2020 and January 1, 2021.

    More details available here:

We are actively working with Partners to serve their cybersecurity needs, as well. One great resource is our "Staying Secure While WFH" Course.
We are offering it for FREE here -

Please let us know how else we may serve you through these challenging times at!

Joel Cahill

Cybersecurity enthusiast. Entrepreneur.