Business Recovery & Resiliency
Kerrville Together is your central location for business resources and support services related to COVID-19. These resources are made available by a collaborative effort between local, regional, state and federal partners. Throughout these unexpected time Kerrville Together will continue to be your place for information for Business Recovery and Resiliency.
Department of the Treasury’s OIG released reporting requirements for CRF recipients
Department of the Treasury’s OIG released reporting requirements for CRF recipients: On July 2, Department of the Treasury’s Office of Inspector General (OIG) released a memorandum with instructions for recipients of the CARES Act’s Coronavirus Relief Fund (CRF). The OIG memorandum provides instructions for CRF recipients for record keeping and reporting. As stated in the CARES Act, Treasury’s OIG is responsible for monitoring and oversight of the CRF payments. Please note that the first quarterly report is due on July 17. For questions on the memorandum or for help with the reporting requirements please contact Treasury OIG at [email protected]
SBA Payroll Protection Program
The Paycheck Protection Program resumed accepting applications July 6, 2020, at 9:00 AM EDT in response to President signing the program's extension legislation. The new deadline to apply for a Paycheck Protection Program loan is August 8, 2020.
You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.
On July 4, President Trump signed legislation (S. 4116) reauthorizing the Paycheck Protection Program through August 8, 2020. Enacted in March as part of the CARES Act, the $669 billion program has approved more than 4.8 million loans totaling more than $520 billion and supporting over 51 million jobs to date. The extension of the program through August will make available the remaining $134 billion to small businesses and qualifying entities.
SBA Economic Injury Disaster Loan
In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are able to apply for an Economic Injury Disaster Loan advance of up to $10,000. This advance is designed to provide economic relief to businesses that are currently experiencing a temporary loss of revenue. This loan advance will not have to be repaid. Recipients do not have to be approved for a loan in order to receive the advance, but the amount of the loan advance will be deducted from total loan eligibility. SBA will begin accepting new Economic Injury Disaster Loan (EIDL) and EIDL Advance applications on June 15 to qualified small businesses and U.S. agricultural businesses.
The new eligibility for U.S. agricultural businesses is made possible as a result of the latest round of funds appropriated by Congress in response to the COVID-19 pandemic.
Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis.
For agricultural businesses that submitted an EIDL application through the streamlined application portal prior to the legislative change, SBA will process these applications without the need for re-applying.
Main Street Lending Program
The Main Street Lending Program was established by the Federal Reserve System to support lending to small- and medium-sized businesses that were in sound financial condition before the onset of the COVID-19 pandemic. The loan terms are up to $25 million at 5%, over 4 years, with payments deferred for the first year. Businesses can apply through eligible lenders, which include U.S. banks, savings and loans and credit unions, U.S. branches or agencies of foreign banks and any U.S. subsidiary of a foreign bank. The Federal Reserve is currently working to create the infrastructure necessary to operationalize the Program. Businesses should stay in touch with their bank for details on when the program is likely to open and continue to check the Federal Reserve’s Main Street Lending Program webpage and program FAQs.
LiftFund is ready to assist you during this time. We have special public and private partnerships to assist small business across our footprint. Please note that there is limited funding for the special programs, but we are offering a LiftFund COVID-19 loan to assist small businesses during this time.
UTSA Small Business Development Center - Business Recovery Accelerator
The University of Texas at San Antonio has launched a new initiative aimed at helping small businesses.
The university created a new program called, “The COVID-19 Business Recovery Accelerator.” The goal of the program is to help businesses going through hardships during the pandemic.
Businesses will receive counseling and resources to pursue loans from the financial industry.
Businesses in the Kerr County area are provided assistance through the UTSA SBDC.
The Hill Country Strong Fund
The Hill Country Strong Fund supports organizations helping individuals and communities economically affected by the coronavirus. Grants will be made to service clubs, relief organizations, religious institutions, social service nonprofits, community groups, healthcare providers, and other charities in the Hill Country that are meeting local needs related to the COVID-19 pandemic. The Fund currently makes grants proactively and does not accept applications at this time. An application is forthcoming. A community-led advisory committee is in formation. All grants are ultimately approved by the Community Foundation’s Board of Trustees.
Professional Beauty Association - COVID Relief Fund
With generous support from our industry partners, the Professional Beauty Association (PBA) and PBA Charities have created a new fund to help our industry during this unprecedented crisis. The PBA COVID-19 Relief Fund will provide $500 to licensed beauty professionals who are unable to work due to COVID-19. The funding, if awarded to you, is intended to be emergency aid for short-term immediate needs such as food and bills.
The Restaurant Employee Relief Fund
The Restaurant Employee Relief Fund (“Fund”) was created to help restaurant industry employees experiencing extraordinary hardship in the wake of the coronavirus disease (COVID-19) outbreak. Through this Fund, grants will be made to restaurant industry employees who have been impacted by COVID-19, including a decrease in wages or loss of employment. Grants will be awarded as soon as possible to those individuals who meet the prescribed eligibility criteria, as reviewed and verified by the National Restaurant Association Educational Foundation (NRAEF). This Fund is operated by the NRAEF, whose mission is to attract, empower and advance today’s and tomorrow’s restaurant and foodservice workers.
Another Round Another Rally
Hospitality workers are facing unprecedented hardships, but Another Round Another Rally is here to help. If you are a chef, server, bartender, dishwasher, sommelier, manager or someone who holds any other type of hospitality role, we’re here to lend a hand. They are offering $500 relief grants for hospitality workers who lost their jobs or had their hours slashed in the wake of the COVID-19 outbreak. They're also collecting donations from community members willing to help their hospitality-industry friends and neighbors stay afloat in this time of uncertainty. To apply for a grant or make a donation, use the "read more" link below.
USBG National Charity Foundation
(Bartender and Service Industry Emergency Assistance Program) Advancing the lifelong stability and wellbeing of service industry professionals through education & charitable activities. Those industry workers affected by COVID-19 or those wishing to donate to this industry can visit their website.
Children of Restaurant Employees
CORE is dedicated to serving food and beverage service employees with children, who are faced with life-altering circumstances and in need of our help. As the world faces the biggest pandemic in our lifetime, we want to continue to honor our mission by providing support to food and beverage service employees, with children, who have been medically diagnosed with COVID-19. You may also be eligible if a family member is diagnosed. Documentation is required.
SBA Express Bridge Loans
SBA Express Bridge Loan allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.
Terms: Up to $25,000, Fast turnaround, Will be repaid in full or in part by proceeds from the EIDL loan
SBA Debt Relief
As part of SBA's debt relief efforts, The SBA will automatically pay the principal, interest, and fees of current 7(a), 504, and microloans for a period of six months.
The SBA will also automatically pay the principal, interest, and fees of new 7(a), 504, and microloans issued prior to September 27, 2020.
Verizon Small Business Recovery Fund
Small businesses across the country are confronting extreme economic challenges as a result of the COVID-19 pandemic. Financial support at this critical time can make the difference between staying in business or closing permanently, leading to lost income, jobs and economic stability. Thanks to a $2.5 million investment from Verizon, we are offering grants to help small businesses fill urgent financial gaps until they can resume normal operations or until other more permanent financing becomes available.
BCL of Texas
At BCL of Texas, the physical and financial health of our community has always been our biggest priority. As we weather the coronavirus pandemic, we know both individuals and businesses are seeing economic impacts across our state. We’re here to let you know that we’re here, we’re working for you, and we’re ready to support you. También podemos ayudarle en español.
PeopleFund is a preferred SBA lender and can assist you finding the right help, whereas from the SBA or one of our programs. Please know that all SBA disaster relief loan applications are being processed directly by the SBA and have to be submitted directly though their website as explained below. PeopleFund is only offering PPP loans to existing clients at this time. Many banks are electing to assist their clients first. We recommend contacting your home banking institution.
Texas Work Force Commission
Information for COVID-19 Jobseekers, Employers, and Child Care needs. In an effort to ease backlog the TWC is asking Texans to use their area code to find their call and access times to file unemployment claims.
Area Code beginning with 9: Mon, Wed, & Frid from 8 am to noon
Area Code beginning with 3,4,5,&6: Mon, Wed, & Frid from 1pm to 5 pm
Area Code beginning with 7 & 8: Tues, Thurs, & Sat from 8 am to noon
Area Code beginning with 2: Tues, Thurs, & Sat from 1pm to 5 pm
Alamo Workforce Solutions Recurring Webinar - Employment Orientation
Alamo Workforce Solutions Zoom Orientation Schedule for new employment or training opportunities. Orientation Covers: services available including general services such as computer usage, resume paper, resume help, etc. Training topics discussed: training opportunities for eligible customers (these include assistance with tuition/training costs for in-demand occupations (like LVN or Dental Assistant) as well as support services (such as gas, rental assistance) while attending those trainings.
3pm-4pm Tuesday - Friday
Kerrville CVB - From Kerrville, With Love
We here at the Kerrville Convention and Visitors Bureau love Kerrville and the Kerrville area, and we know our local businesses do too. That shared passion and care for this community is what inspired the From Kerrville, With Love project. We want to highlight the businesses and shop owners that are not only our neighbors but that are working hard to provide food, goods, and services as we all collectively weather these unprecedented times. So tell us your stories! Send you us your photos that shows the human side of your business, and most importantly tell us why you love this piece of the Hill Country we all call home.
The Kerrville Daily Times to celebrate and encourage neighborliness in our community. We are celebrating kindness, empathy, and community involvement. Drawing upon the example of the late Fred Rogers, the famed children’s television host, the newspaper is embarking on a campaign called Kerrville Kindness, which aims to highlight acts of neighborliness and kindness in our communities. We encourage readers to tell us about the good neighbors in our community and those you admire for their ability to bring people together. We encourage residents to get involved by emailing us examples of unique kindness they have been shown. Email us at [email protected]
West Kerr Chamber of Commerce
We are monitoring the news and information being shared from our county, state and federal government regarding COVID-19 and have created this page to keep you informed about resources available in your place of business and your employment status. We cannot emphasize enough to prepare, not panic and use the information below to help guide you throughout this time.
JAM Broadcasting PSA Program
To help assist our local business community, and to help the community with words of encouragement from others that are going through the challenges that we all are, JAM Broadcasting is setting up a PSA campaign to help get the word out. We have set up a hotline for businesses to leave a short message about their operation status at no charge, and for members of our community to leave words of encouragement for our listeners. We will randomly select ads and messages that we receive and rotate them throughout our designated PSA campaign that will run across all of the JAM Broadcasting family of stations.
EntreLeadership - Hope for your Business
Sometimes life throws you curve balls. And business is no different. The uncertainty may feel scary, but you’re not alone—you WILL get through this. These free resources will help you create a plan of action, connect with your team, and drive your business forward.
National Retail Federation
The health and safety of customers and workers is retailers’ top priority. NRF is closely monitoring the situation around the COVID-19 pandemic, coordinating with government agencies, health experts and retailers as the situation continues to evolve. NRF is addressing the supply chain implications as well as developments related to the spread of the virus globally and domestically.
National Federation of Independent Business
As small businesses across the country are grappling with the current and potential impacts associated with COVID-19, NFIB is continuing to track the latest developments from healthcare officials, congress and the administration. We know small business owners are acting now to take necessary precautions, but also need to understand how actions taken by policymakers today affect business operations down the road.
National Restaurant Association
The restaurant industry is home to more than 15 million trained and skilled employees in restaurants across the country serving the public every day. The restaurant industry is open and the tables at America’s 1+ million restaurant and foodservice locations are always a great place to gather with friends and family. To ensure that restaurants have the latest information about coronavirus, we created this industry-specific guidance for owners and operators. The industry works day in and day out at food safety. You can find out more about ongoing ServSafe training and certification programs here.
U.S. Chamber of Commerce
The U.S. Chamber is working closely with the White House, U.S. government agencies, and foreign government officials to inform and equip businesses with the most important and up-to-date information to prevent the spread of the virus and prepare businesses for the near and long-term impact.
Texas Comptrollers Office
Extension of the due date for 2020 franchise tax reports to July 15 to be consistent with the Internal Revenue Service (IRS). The due date extension applies to all franchise taxpayers. It is automatic, and taxpayers do not need to file any additional forms. Franchise taxpayers who need an extension beyond the July 15 date have these options: Non-electronic funds transfer (non-EFT) taxpayers who cannot file by July 15 may file an extension request on or before July 15 and must pay 90 percent of the tax due for the current year, or 100 percent of the tax reported as due for the prior year with the extension request. Non-EFT taxpayers who request an extension have until Jan. 15 to file their report and pay the remainder of the tax due. On or before July 15, taxpayers who are mandatory EFT payers may request an extension of time to file to Aug. 15 and must pay 90 percent of the tax due for the current year or 100 percent of the tax reported as due for the prior year with the extension request. On or before Aug. 15, EFT taxpayers may request a second extension of time to file their report and must pay the remainder of any tax due with their extension request. The Aug. 15 extension request extends the report due date to Jan. 15. Any payments made after Aug. 15 will be subject to penalty and interest.
Texas Department of Insurance
Industry and business FAQ: We’ve compiled responses to some of the most common questions from the insurance industry and businesses.
Business interruption insurance: Coverage for losses due to epidemics and pandemics vary.
Agents and adjusters: Frequently asked questions about licensing issues.
Workers’ compensation: Our Division of Workers’ Compensation has posted resources for employers, employees, and health-care providers.
Claim submissions: Providers and insurers that notified TDI they are unable to meet claim submission deadlines due to COVID-19.