• Applicant user guide and FAQ: For help with the application process, refer to the applicant user guide and FAQ.
• Checklist: Use the checklist to make sure you have everything you need to complete your application. 
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• Governments throughout Michigan will receive just over $10 billion, including $5.65 billion direct to the State of Michigan and local governments sharing $4.4 billion. Nationally, $350 billion has been allocated for state and local governments. These funds are intended to fill budget shortfalls and mitigate economic harm from the COVID-19 pandemic.
• Cities in Michigan will receive $2.5 billion in aid, with $1.8 billion of that going to cities in the Detroit metro region. The City of Detroit will receive $879.6 million.
• The bill includes a formula that accounts for poverty rates and population size in their allocation. Detroit’s $879.6 million appropriation is the fifth-largest for any U.S. city, behind New York ($4.33 billion), Chicago ($1.98 billion), Los Angeles ($1.35 billion), and Philadelphia ($1.1 billion).
• Counties in the Detroit region will receive relief allocations including Wayne ($339 billion), Oakland ($244 billion), Macomb ($169 billion), Genesee ($79 billion), Washtenaw ($71 billion), Livingston ($37 billion) St. Clair ($30 billion), Monroe ($29 billion), Lenawee ($19 billion), Lapeer ($17 billion), and Shiawassee ($13 billion). Crain’s Detroit Business provides a complete database of how much federal relief 1,500 counties and municipalities are receiving. 
• Local school districts in Michigan are expected to receive about $3.5 billion, including Detroit Public Schools Community District ($980 million), Flint schools ($120 million), Dearborn ($104 million), and Grand Rapids ($91 million). That funding will help schools safely reopen or address lost learning and the most vulnerable students’ needs.
• The state will also receive additional allocations from separate provisions in the bill for funding higher education institutions, transportation, vaccines, and COVID-19 testing, as well as rental and mortgage assistance and child care subsidies.

• Paycheck Protection/Forgiveness For Small Business Loans for Keeping Employees: The bill creates a “paycheck protection program” for small employers, self-employed individuals, and “gig economy” workers, with $350 billion (original amount) to help prevent workers from losing their jobs and small businesses from going under due to economic losses caused by the COVID-19 pandemic.
• How much can a small business receive? Small businesses can receive their average monthly payroll expenses x 2.5. The “Paycheck Protection Program” would provide 24 weeks (updated June, 2020) of cash-flow assistance through 100 percent federally guaranteed loans to small employers who maintain their payroll during this emergency. If the employer maintains payroll, the portion of the loans used for covered payroll costs, interest on mortgage obligations, rent, and utilities would be forgiven, which would help workers to remain employed and affected small businesses and our economy to recover quickly from this crisis. This proposal would be retroactive to February 15, 2020, to help bring workers who may have already been laid off back onto payrolls.
• Eligibility: Small businesses as defined by SBA size standards (generally up to 500 employees, but up to 1,500 employees depending on the sector and certain sectors are based on revenue). Businesses in the Accommodation and Food Services Sector (NAICS Code 72) are eligible with up to 500 employees at each location. 501 (c)(3) non-profits with fewer than 500 employees. Sole proprietors, the self-employed, and independent contractors.
• Regulatory Streamlining: SBA’s standard “no credit elsewhere” test is waived. Loan applications are available through SBA approved lenders. No personal guarantee or collateral required. Lenders defer fees, principal, and interest for no less than 6 months and no more than 1 year.
• Small Business Contractors Also Get Protection: Federal agencies would be required to extend contract performance periods and promptly pay small business contractors impacted by COVID-19.
• Debt Relief: For six months, SBA is required to pay all principal, interest and fees on all existing SBA loan products including 7(a), Community Advantage, 504, and Microloan programs for six months.
• Changes to the current SBA Economic Injury Disaster Loans (EIDLs)
• Loans can be made based solely on credit scores.
• Loans available to all non-profits, including 501(c )(6)s.
• Loans below $200,000 can be approved without a personal guarantee.
• Borrowers can receive $10,000 cash advances that can be forgiven if spent on paid leave, maintaining payroll, increased costs due to supply chain disruption, mortgage or lease payments, or repaying obligations that cannot be met due to revenue losses. (Updated to $1,000 per qualifying employee up to $10,000.)

• Includes $250 Billion to Expand Unemployment Benefits: Provides economic relief and support for workers by making a significant investment in unemployment benefits.
• Unemployment Benefits for More Americans: Makes sure self-employed and independent contractors can receive unemployment during the public health emergency. The bill also includes support to state and local governments and nonprofits so they can pay unemployment to their employees.
• More Money for a Longer Period for More Workers: Makes benefits more generous by adding a $600/week across-the-board payment increase through the end of July. In addition, for those who need it, the bill provides an additional 13 weeks of benefits beyond what states typically allow.
• Temporary Provisions: The expansion in unemployment benefits expires at the end of 2020.

• Includes Tax Rebate Checks - The Senate bill also includes a one-time tax rebate check of $1,200 per individual and $500 per child for those with a valid social security number. There are no earned income or tax liability requirements to receive these rebate checks. The full rebate amount is available for those with incomes at or below $75,000 for individuals, $112,500 for head of household, and $150,000 for married couples.
• Provides Another Option for Employers to Keep Connected to Their Employees. Employers of all sizes that face closure orders or suffer economic hardship due to the coronavirus crisis that continue to pay employees that are furloughed may be eligible for a 50% credit on up to $10,000 of wages paid to those employees. This will help workers keep their jobs, help local businesses ride out this storm, and ensure that furloughed workers have jobs to return to.
• Delays Payroll Tax Payments for Employers: Employers would be able to delay the payment of their 2020 payroll taxes until 2021 and 2022, leading to approximately $300 billion of extra cash flow for businesses.
• Restores Supports for Businesses Suffering Losses: The bill also allows businesses to carry back losses from 2018, 2019, and 2020 to the previous 5 years, which will allow businesses access to immediate tax refunds.

• Federal Tools to Provide Liquidity: $425 billion for loans, loan guarantees, and investments in support of facilities established by the Fed under 13(3) authority for purpose of providing liquidity to businesses, states, or municipalities through purchasing obligations or other interests directly from issuers of such obligations or other interests.
• Loans for Major Industry: Direct lending to the following: $50 billion for passenger airlines, $8 billion for cargo airlines, and $17 billion for businesses critical to “maintaining national security.”

• Restaurants
• Hotels, Motels, Bed & Breakfast, Resorts
• Bars
• Food Trucks
• Bowling Alleys
• Theaters
• Nightclubs
• Golf Courses
• Banquet Halls
• Caterers
• Casinos
• Cafeterias
• Other impacted industries 

• $55 million to help small businesses impacted by COVID-19.
• Grants of up to $20,000 will be made available to small businesses across the state that need support this winter.
• The relief bill also includes $3.5 million for grants of up to $40,000 each for live music and entertainment venues
• $45 million in direct payments to workers who have been laid off or furloughed as a result of the virus, with a direct focus on restaurant and hospitality workers. 

• Restaurants and/or bars
• Banquet centers
• Retail stores
• Gyms and fitness centers
• Local governments, including cities, townships, villages and counties that provide common space for businesses
• Commercial property owners who provide common space for tenants

• Temporary structures, such as canopies, igloos and tents, to cover outdoor seating
• Portable heaters
• Outdoor furniture and tableware
• Outdoor cooking equipment
• Fencing; dividers such as planters, hangings, or Plexiglas panels
• Sanitizing supplies and equipment
• Security devices
• Electronic menu access
• Upgrades necessary to increase capacity for carryout and delivery service
• Delivery charges and labor for installation.