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News & Information: COViD 19

SBA Updates from Senator Sinema's Nonprofit Call

Thursday, April 2, 2020   (0 Comments)
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SBA Updates from Senator Sinema's Nonprofit Call


Senator Sinema's COVID-19 Resource Page



Paycheck Protection Program is designed to provide a direct incentive for small businesses and nonprofits (501c3s and 501c19s) to keep their workers on payroll by providing each small business a loan up to $10 million for payroll and certain other expenses. 

  • If all employees are kept on payroll for eight weeks, the Small Business Administration will forgive the portion of the loans used for payroll, rent, mortgage interest, health care insurance, or utilities. Up to 100 percent of the loan is forgivable.
  • Small businesses, sole-proprietors, independent contractors, and certain non-profits with fewer than 500 employees will be able to apply if they were harmed by COVID-19 between February 15, 2020 and June 30, 2020.
  • This program is retroactive to February 15, 2020, in order to help bring workers who may have already been laid off back onto payrolls.
  • No SBA fees, maximum term ten years, maximum interest rate of four percent and at least six months of deferral with maximum deferrals of up to a year. Loans are available through June 30, 2020.
  • On March 31st, the Treasury Department and SBA announced lenders will be able to write and distribute small business loans beginning as soon as FRIDAY, April 3rd. A sample application is on the SBA’s website Here:
  • Arizona businesses can apply directly for these loans through an approved local lender. Contact your local lender to see if they are participating in the program and we will also be updating our website with more information. Click HERE to find an approved local lender.


SBA Emergency Economic Injury Grant 

  • These grants provide an emergency advance of up to $10,000 to small businesses and private non-profits harmed by COVID-19 within three days of applying for an SBA Economic Injury Disaster Loan (EIDL).
  • To access the advance, you first apply for an EIDL and then request the advance.
  • The advance does not need to be repaid under any circumstance, and may be used to keep employees on payroll, to pay for sick leave, meet increased production costs due to supply chain disruptions, or pay business obligations, including debts, rent and mortgage payments.



  • All U.S. residents (anyone with a Social Security Number) with an adjusted gross income of up to $75,000 ($150,000 for married couples) will receive the full $1,200 rebate ($2,400 for married couples). Households with children will receive $500 per child.
  • The amount of the rebate check will taper down for incomes over $75,000 and individuals with incomes above $99,000 won’t get any amount.
  • The amount of the rebate will taper down for couples filing jointly with incomes above $150,000 and those with incomes above $198,000 won’t receive any amount.
  • This is true even for Americans who only receive Social Security (retirement or disability) or VA benefits, and those whose income comes entirely from Supplemental Security Income (SSI).
  • The IRS is still working out the process by which they will calculate and get out these payments.
  • All U.S. residents with a Social Security number who filed a tax return in either 2019 or 2018 do not need to take any action in order to receive their rebate checks.
  • Other taxpayers who didn’t file in 2018 or 2019 - should file their 2019 tax returns to ensure the IRS has their most up-to-date information.
  • We are getting clarity whether Social Security beneficiaries need to do anything (as the IRS has put out conflicting statements in the past 24 hours).



  • Unemployment benefits are available to those who lose their jobs, get their hours reduced, or get furloughed due to COVID-19.
  • A new temporary UI program will be available for gig workers, the self-employed, and independent contractors who normally do not qualify for unemployment benefits.
  • The CARES Act waives the waiting time for approval, extends coverage for an additional 13 weeks, so Arizonans would be eligible for 39 total weeks.
  • For those receiving UI between now and July 31, 2020 – an extra $600 in UI benefits will be automatically available. An Arizonan who qualifies for the maximum UI benefit of $240 would be able to receive a UI benefit of $840/week ($240 + $600) until July 31, 2020.
  • This $600 benefit will be taxable (like all unemployment benefits), but it will be disregarded in determining Medicaid or CHIP eligibility.
  • People will apply through the state, through the existing UI process.



  • The bill provides $15.51 billion in additional funding for SNAP to ensure all Americans, including seniors and children, receive the food they need.
  • The federal government pays the full cost of SNAP benefits and shares the cost of administering the program with the states, which operate the program.
  • Eligible Arizonans may apply for benefits online as they normally would through the Department of Economic Security (DES).



  • Federally backed mortgages, including those guaranteed or insured by the VA are protected from foreclosure for 60 days beginning on March 18, 2020. If borrowers are facing financial hardship, they can request a forbearance for up to 6 months, with a possible extension for another 6 months, through their mortgage holder. 
  • The State of Arizona has also issued executive orders delaying the enforcement of eviction actions for renters impacted by COVID-19. The order applies to renters who are quarantining due to COVID-19 or are facing economic hardship as a result of the outbreak. It will remain in effect for 120 days. 
  • Arizona banks have also agreed to protect small businesses and families from eviction and foreclosure. Under the agreement, banks are suspending evictions and foreclosures for at least 60 days, with the potential to extend that period for the duration of the state’s emergency declaration. 



  • Arizona electric, water, and gas utilities have announced measures to ensure our communities continue to receive the services they need.
  • If any of your clients are having trouble or anticipate having trouble paying utility bills, they should notify the utility provider as soon as possible.
  • Many Arizona utilities are suspending shuts offs and waiving late fees – and we are keeping an updated list on our website.
  • We’re also working with the major telecommunication providers in the state to ensure people have access too needed services – that includes broadband access for kids who are now distance learning from home. Please direct people to if they need resources or have questions.



  • Some of you may need to provide paid sick leave for workers who are either quarantining at home, caring for someone who is quarantining, or caring for their child whose school or daycare may be closed due to COVID-19.
  • Workers who need time off to care for their child due to a school or daycare closure may also be eligible for paid emergency leave.
  • Please note that qualifying employers who must provide these new leave options outlined above are typically businesses and nonprofits between 50 and 500 employees. Health care providers and first responders may not be able to take certain kinds of leave due to the critical nature of their jobs in caring for our communities. 
  • Employers may also be eligible to receive tax credits to offset paid sick and family leave provided to employees. 
  • Employers (including nonprofits) with fewer than 50 employees may be exempt from providing either type of paid leave for employees who are requesting it to care for their child.
  • The Department of Labor has great resources on this here:
  • With the FAQ being particularly helpful:



  • Arizonans who are currently receiving Social Security benefits will continue receiving their benefits by mail.
  • However, at this time, the Social Security Administration (SSA) has suspended face-to-face appointments with the public and closed their local offices in an effort to keep both beneficiaries and their employees safe. SSA will continue to serve Arizonans through their website and by phone: (800) 772-1213 or (800) 325-0778.

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