COVID-19 Resources and Updates for Business Owners and Employees
The diverse business community that spreads across northern Minnesota and Wisconsin will stand strong through this international crisis. We’ve weathered economic downturns and shifting landscapes before, and we’ve continued to seize new opportunities to grow beyond expectations. We’ve accomplished this and more by learning from one another and sticking together.
Staying current is essential but challenging with new resources and information becoming available every day. APEX is committed to keeping this page up to date with the information you need to make strategic decisions for your business. We’ll keep you informed so you can stay focused on maintaining operations and strengthening your business.
Available Covid-19 Relief Funding-
Restaurant Revitalization Fund (RRF)
The RRF provides $28.6 billion that will be awarded by the federal Small Business Administration. The grants will equal the business’ pandemic-related revenue loss up to $10 million per business and no more than $5 million per physical location. The funds are not required to be paid back as long as they are used for eligible expenses no later than March 11, 2023.
The exact dates for the application period have not been announced yet but are expected to be within the next few weeks. Eligible businesses are encouraged to start preparing now to apply for these funds since they will be awarded on a first-come, first-served basis.
Even though St. Louis County does not have a role in the application, administration or selection process, they are hosting two virtual information sessions in an effort to assist area businesses with their questions. These sessions will be held tomorrow, April 23 at 11 am and next Wednesday, April 28 at 6 pm. More information about the RRF as well as links to join these meetings can be found at http://stlouiscountymn.gov/c19business.
To obtain additional details, who is eligible, find help with the application, and to sign-up to receive alerts from the SBA as additional information becomes available, go to SBA : Restaurant-Revitalization.
Northern Minnesota businesses can also go to our local SBDC office at NORTHLAND SBDCand click on the “Request for Services” button and submit your information, or call 218-726-7298 and leave a message - a consultant will be back in touch with you to offer assistance and answer questions regarding the RRF.
Paycheck Protection Program Re-Opened
The Paycheck Protection Program (PPP) is implemented by the US Small Business Administration (SBA) and provides loans to help businesses keep their workforce employed during the COVID-19 crisis. To promote access for smaller lenders and their customers, the SBA will initially only accept applications from participating community financial institutions (CFIs). You can find a participating CFI at https://www.sba.gov/funding-programs/loans/lender-match.
APEX Region Information
**APEX will update our website and links as we receive information from our county partners.
|Aitkin County||Carlton County||Cook County|
|Koochiching County||St. Louis County|
Northwest Wisconsin “We’re All Innovating Contest - Phase 2”
The Wisconsin Economic Development Corporation is recognizing and rewarding Wisconsin companies who have demonstrated resilience, ingenuity and commitment over the past seven months with Coronavirus Aid, Relief, and Economic Security (CARES) Act funding through the We’re All Innovating Contest (wisconsininnovates.com) administered in partnership with the Wisconsin Technology Council.
The We’re All Innovating Contest is open to new and established Wisconsin businesses with 50 or fewer employees. Approximately 10,000 companies can receive awards up to $5,000. The three categories a company can submit themselves for are: 1) Technology innovation to address COVID-19 impacts on health, 2) Technology innovation to address COVID-19 impacts on businesses, and 3) Service and business operation innovations to respond to COVID-19 disruption.
For additional details and to apply, visit wisconsininnovates.com. Applications will be accepted starting at 8:00 am on October 19 until 11:59 pm on November 2
Emergency Loans, Financing and Tax Relief
NEW - Arrowhead Regional Development Commission (ARDC)
Arrowhead Regional Development Commission (ARDC) has been awarded $3.88 million in economic development aid from the federal Economic Development Administration (EDA).
Businesses located within the ARDC service area (Aitkin, Carlton, Cook, Itasca, Koochiching, Lake, and St. Louis Counties) are eligible to apply for a low interest loan using these funds. The new program can fund all types of businesses, including industrial, commercial, retail, restaurants, and non-profits.
Douglas, Bayfield, and Ashland Counties:
The NWRPC (Northwest Regional Planning Commission) has been awarded $1,000,000 in Economic Development Administration funding to capitalize their EDA loan fund for post-COVID recovery and resiliency efforts. They can lend up to $150,000 per project, though there needs to be a job creation or retention portion and it needs some sort of matching funds or owner injection, collateral and cash flow to show debt repayment obligations. Ken Pearson, NWRPC Loan Fund Manager would be your contact if interested - Learn More
Bayfield & Ashland Counties:
Impact Seven in Rice Lake has also received $1,000,000 in EDA funding to assist with the same efforts as NWPRC for the following northern counties: Burnett, Sawyer, Ashland, Bayfield, and Washburn counties. Contact Bob Mayer - Learn More
The Development Association has its own loan program offering no interest loans up to $5000 to Douglas County businesses with no payments for 6 months, and 3 year payback. Jim Caesar at the Development Association would be your contract for this program - Learn More
Taconite Area Business Relief Loan Program
Department of Iron Ranges Resources and Rehabilitation (DIRRR) created the Taconite Area Business Relief Loan Program back in June that is administered by The Entrepreneur Fund who continues to accept applications for this program. Businesses located within the Iron Range Resources & Rehabilitation service area are eligible to apply for 2% interest loans of up to $40,000 to be used as working capital or any legal purposes. No repayment on the loans will be due for the first six months, followed by 60 payments of principal and interest. Eligible businesses must have been in operation for at least one year and operating on March 1, 2020. Applicants must intend to re-open if currently closed due to the pandemic.
SBA Disaster Assistance Loans CARES ACT Information
SBA disaster loans are available to businesses, regardless of size, and nonprofits including charitable organizations such as churches and private universities. Learn more here about relief programs from SBA including the Paycheck Protection Program(PPP) and more.
The IRS has established a special section focused on steps to help taxpayers, businesses and others affected by the coronavirus. Visit the IRS website for more information.
Visit the MN DEED website for details on their business financing programs as well as guidance on financing a business.
Here, the State of Wisconsin’s department of economic development details available SBA low interest disaster loans as well as grant resources available to Wisconsin businesses from WEDC and other local, state and federal agencies.
Please visit the CDC website for the most up to date information about COVID-19 (coronavirus).
Business Resources Supporting Safe, Effective Working Environments
Visit the CDC website for interim guidance that may help prevent workplace exposures to COVID-19, in non-healthcare settings. (CDC has provided separate guidance for health care settings.) This guidance also provides planning considerations for community spread of COVID-19.
Visit the Occupational Safety and Health Administration (OHSA) website for interim guidance for employers and workers to help prevent exposure and infection of COVID-19. Additional resources on preparing workplaces in the event of a coronavirus exposure can be found here. Read More
APEX is proud to share these best practices for returning to work safely compiled by the Minnesota Chamber of Commerce, of whom APEX is a highly participatory member. The Chamber’s goal has been to strike a balance between safeguarding health and protecting Minnesota’s economy. Minnesota businesses are eager to get back to work, and through this article, you will learn how this can be done at the lowest risk to employees. Read More
The National Association of Manufacturers (NAM) has developed this robust set of COVID-19 Federal Policy Recommendations, insights from national members, and other best practices for manufacturers.
The umbrella association of Arrowhead Manufacturers and Fabricators Association (AMFA) has partnered with the Minnesota Precision Manufacturers Association (MPMA) and begun producing a webinar series that is available to view at the following links:
- Webinar 1: Immediate Workforce Needs.
- Webinar 2: Contracts, Orders, and Payments.
- Webinar 3: Supply Chain Solutions.
- Webinar 4: Shop Floor Cleaning & COVID Prevetntion.
Lear Corporation, headquartered in Southfield, Michigian generously created and is openly sharing their Safe Work Playbook, as a point of reference to assist other manufacturers and industries.
For additional resources and information for Minnesota businesses, visit the MN DEED website.
Effective May 4th, 2020 - What businesses are allowed to go back to work under EO 20-48?
In an effort to correct misinformation and alleviate confusion over the legal rights of employers and workers as the pandemic lockdowns lift and employees return to work, this list of FAQs clarifies guidelines for the transitional period ahead. The reference document explains how employers can ensure a safe workplace and how employees can report unsafe working conditions to the Occupational Safety and Health Administration (OSHA). It highlights details that are easy to overlook regarding the unemployment collection and dispensation process. It also provides further resources for employers who should develop a COVID-19 Preparedness Plan, as well as employees who have concerns about returning to work. Read More
Unemployment Assistance for Employees
For information regarding unemployment in Minnesota, visit the official website of the Minnesota Unemployment Insurance Program, administered by the Department of Employment and Economic Development (DEED).
COVID-19: Applying for unemployment if you are self-employed or an independent contractor Learn More & Apply
For information regarding unemployment in Wisconsin, visit the Department of Workforce Development website. As a result of Governor Evers emergency order, you do not need to do a work search during the Governor's declared emergency.
Visit the Minnesota Department of Health website for more information about COVID-19 and strategies to slow the spread throughout the state.
Minnesota Governor Tim Walz has taken decisive action to curb the spread of COVID-19, support our health care providers and facilities, and mitigate the impact on Minnesota families. Visit the #StayHomeMN website for more information.
Governor Tony Evers and Wisconsin Department of Health Services (DHS) Secretary-designee Andrea Palm issued a Safer at Home order to mitigate the spread of COVID-19. Read the Safer at Home order for more information.
Visit the Wisconsin Department of Health Services website for more information about COVID-19 and strategies to slow the spread throughout the state.
NORTHFORCE remains the regionally trusted workforce networking tool during these COVID impacted times. Refer to the NORTHFORCE.org platform to post all open positions, including temporary, and encourage any furloughed or laid off individuals to register and connect with locally open positions in their field. Learn More