Resources and Guides for Businesses

Centers for Disease Control and Prevention (CDC)

Guides and Resources from the U.S. Chamber

U.S. Department of the Treasury
Overview – Paycheck Protection Program
Application – Paycheck Protection Program
Fact Sheet for Borrowers – Paycheck Protection Program
Fact Sheet for Lenders – Paycheck Protection Program
Application – PPP Loan Forgiveness Application

PA Chamber of Business & Industry

Small Business Administration
Presentation – SBA Economic Injury Disaster Loan Application
Document – Preparing and Applying for an SBA Economic Injury Disaster Loan
Page – Guide to SBA’s Economic Injury Disaster Loans
Infographic – Difference Between PPP and EIDL Loans – as of April 7, 2020

Please be aware:  We are in contact with officials on many levels of government daily, and will aspire to provide our members and the business community of the Bedford County region with as much information as possible. The Chamber will update our website as we have new information and resources to share.  (Newest info at the top of the page – scroll down for info that has been posted earlier.)

April 19, 2021 – RRF (Restaurant Revitalization Fund Update)

March 29, 2021 – A Department of Health: Covid-19 Weekly Status Update

Bedford County: “moderate” community transmission (rising slightly)

COVID-19 Early Warning Monitoring System Dashboard



COVID-19 Vaccine distribution continues in Bedford County.

Phase I-A has been expanded to including age 65+ citizens, some health issues, industries and other factors are currently eligible to receive the vaccine. Updates are posted on the state’s websites, or you can call you pharmacy or health care professional with questions regarding our status.

Pennsylvania Vaccine Provider Map

COVID-19 Vaccine FAQs


March 26, 2021 Shuttered Venue Grant Application (SBA)  – Opens April 8, 2021

The Shuttered Venue Operators Grant (SVOG) program was established by the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act, and amended by the American Rescue Plan Act. The program includes over $16 billion in grants to shuttered venues, to be administered by SBA’s Office of Disaster Assistance.

Eligible applicants may qualify for grants equal to 45% of their gross earned revenue, with the maximum amount available for a single grant award of $10 million. $2 billion is reserved for eligible applications with up to 50 full-time employees.

Eligible entities include:

  • Live venue operators or promoters
  • Theatrical producers
  • Live performing arts organization operators
  • Relevant museum operators, zoos and aquariums who meet specific criteria
  • Motion picture theater operators
  • Talent representatives
  • Each business entity owned by an eligible entity that also meets the eligibility requirements

Click here for more info.

March 25, 2021 – Paycheck Protection Program Filing Extended to May 31st
Congress passed an extension of the Paycheck Protection Program (PPP) that allows small businesses and eligible non-profits to apply for PPP loans through May 31st. The program was originally set to expire the end of March. Read Article.



March 15, 2021 – Industry Coalition Launches New Website in Support of Private Event Industry advocates for the safe reopening of the wedding and event industry.

Read News Release


March 1, 2021 – CHIRP Grant Application Process Opens (Hospitality Industry)

Congress has allocated more than $500,000 in Covid-19 aid for the hospitality industry (bars, restaurants, lodging properties, etc.) who have been impacted by the pandemic.  This grant will be offered in multiple rounds, as funds remain available, through JARI (JIDC) First Round Deadline: March 15th / Second Round: March 31st

Grants will be awarded in increments of $5,000 with a minimum of $5,000 and maximum of $50,000.   Grants may not be used to pay expenses that were reimbursed by other Covid-19 programs, including the CARES Act.

The eligibility criteria are:

  • Business must have been in operation prior to February 15, 2020.
  • Operates a place of business within this Commonwealth having a NAICS designation within the Accommodation subsector (721) or Food Services and Drinking Places subsector (722) and where accommodations, food or drink is served to or provided for the public, with or without charge.
  • Business has fewer than 300 full-time equivalent employees.
  • Business/owner has a tangible net worth of not more than $15,000,000.
  • Business must have experienced a reduction in revenue in 2020.
  • Eligible operating expenses must have been incurred between March 1, 2020 and date of application.

Priority will be given to businesses with the following:

  • Greater than 50% reduction in revenue in 2020
  • Mandated to fully close by the disaster proclamation issued by the Governor on March 6, 2020
  • Received no other CARES funding through federal, state, county or local governmental programs

Applications will be accepted and reviewed in three rounds. Round 1 opens on March 15 and awards will be announced within 30 days. Rounds 2 and 3 will follow.

Applications will be processed on a rolling basis until the funds have been exhausted or June 15, 2021, whichever is first. Small businesses are encouraged to begin preparing their applications as soon as possible.

The program administrator, which will process the applications, will be JIDC, a regional economic development agency that provides numerous small business loan programs to Bedford County businesses.

For more information, contact Bette Slayton, Bedford County Development Association at 814-623-4816,; or Michele Clapper, JIDC, 814-262-8368, mclapper@

Please see the following links for the full press release, program details, and application.

Official Press Release
CHIRP Application
CHIRP Information


March 1, 2021 – PA Chamber Offers Events to Aid in Business Recovery from Pandemic

2021 Information Technology Security Seminar (April 8)

Get technical insight and strategies to avoid ransomware attacks and data breaches that threaten your business operations.


 October 21, 2020 –  Bedford County CARES Grant Program Round 2 Now Open for Small Business, Tourism and Non-Profit Organizations:

The Bedford County Commissioners have opened up a second round of funding for small businesses and eligible non-profit organizations. Please review and complete the information below by October 30, 2020 at 4:30 p.m. For questions and to submit applications email Makayla Bollman at

Documentation is required to support all applications. Incomplete applications will not be considered.  Please note your DCED eligibility form must be completed with supporting financial documentation to be considered. The county understands that some non-profits may not have financial revenue loss to complete the DCED form; however, non-profits should clearly document on the Revenue Loss Worksheet (Attachment B) any loss associated with fundraising, donations, or any other eligible DCED criteria. For questions on eligible expenses please email Makayla Bollman at

Quick Links for CARES Grant:

The Bedford County Commissioners recently awarded $632,539.98 to non-profits and small businesses throughout Bedford County. Click the link below to view the detailed awards for Round 1 of the county’s grant program.

EIDL Program Reopens Application Process for All Industries

After more than a month, the Small Business Administration has finally reopened the Economic Injury Disaster Loan and Advance Emergency Grant program. Small business applicants from all industries may now immediately apply for assistance. LEARN MORE

QUICK LINK TO SBA Page for EIDL Applications


October 5 – Additional Funding for PA businesses announced

Governor Tom Wolf has announced that an additional $96 million in state grants have been approved for 5,373 Pennsylvania small businesses that were impacted by the business closure order due to the COVID-19 public health crisis. Businesses in every county were approved for grants in this round of funding, and 52 percent are historically disadvantaged businesses. To date, more than 10,000 businesses were approved for $192 million in grants through the COVID-19 Relief Statewide Small Business Assistance Program. LEARN MORE

September 29 – A Guide to COVID-19 and Your Finances: What You Need to Know.

As the novel coronavirus continues to infect people across the nation, COVID-19 is forcing businesses to shut down and causing millions of Americans to file for unemployment. In response, the U.S. federal government has introduced the CARES Act to provide financial assistance to individuals, small businesses and health care providers in an attempt to stabilize the economy. LEARN MORE


August 22nd – Covid-19 Grant Updates for PA Small Business

Covid-19 Grants for PA Small Businesses
This will be the final opportunity for this program: Closes August 28th
The application window will remain open for 15 business days, closing at 11:59PM on August 28. Pennsylvania small businesses are encouraged to apply for relief if they they meet these criteria:
  • Had 25 or fewer full-time employees prior to February 15, 2020
  • Have annual revenues of $1 million or less, and
  • Were economically impacted by COVID-19
All applications must be made through a Community Development Financial Institution (CDFI) in the county where their business is located. Bedford County businesses should contact the PROGRESS FUND
If you already applied during the first application window, you will be notified of your status by August 10. You do not need to reapply in the second round. Qualified applications will be automatically rolled over into this next funding round for consideration.


August 10 – Bedford County Commissioners Announce Grants for Local Businesses Impacted by Covid -19

The Bedford County Commissioners

announce new grant program: Bedford CARES
for Small Business, Tourism,
and Nonprofit Support
Deadline to Submit: August 28, 2020

July 16 – Funding available to provide hazard pay for businesses with front-line workers LEARN MORE

Governor Wolf announced the availability of $50M in grant funding through the COVID-19 PA Hazard Pay Grant Program. This program was established to help employers provide hazard pay to employees in life-sustaining occupations during the COVID-19 pandemic.

This reimbursement-based grant is available to employers offering hazard pay during the eligible program period and will be administered by the Pennsylvania Department of Community and Economic Development (DCED). Applicants eligible to apply for grants are businesses, healthcare non-profits, public transportation agencies and certified economic development organizations (CEDOs).

July 15 – Gov. Wolf announces new restrictions for bars, restaurants, gyms and more. LEARN MORE

June 15 – PA 30 Day Fund provides support for small businesses.


Funds available for businesses with 3-30 employees through the PA 30 Day Fund – simple application, quick turn-around.





May 21, 2020:  PPP Forgiveness Application Now Available.

PPP Forgiveness Application Now Available
The application for loan forgiveness for those who have received Paycheck Protection Plan (PPP) assistance is now available. To apply for forgiveness, you must complete this application and submit it to your lender (the lender who serviced your loan. You may also complete the application electronically through your lender. The form also outlines the documents you are required to retain.
SBA Now Accepting New EIDL Applications for Ag Only
PPP, EIDL Apps to be Processed on First-Come, First-Served Basis
The Economic Injury Disaster Loan (EIDL) program, and the Paycheck Protection Program (PPP) have been replenished to provide assistance to small businesses.
CONTACT LOCAL LENDERS FOR ASSISTANCE IN APPLYING. (Some local banks are processing applications even if you are not their customer.)
Update: The SBA is processing EIDL loan applications that were already filed (prior to the previous depletion of funds) on a first-come, first-serve basis.
When (and if) they have processed the applications already in cue, the application portal will open to new applications (except for farms/ag who can apply now.)
We will monitor this situation and provide updates as they become available . If you already have an application filed under the EIDL program, updates may be available through a regional SBA office:
CONTACT INFO – SBA Regional Offices
Harrisburg Office: (717) 782-3840
Pittsburgh Office: (412) 395-6560
Reminder: PPP applications are filed through local lenders (banks, credit unions.) These are to be processed on a first-come, first-serve basis so if you plan to file an application, contact your local lender ASAP, as these funds are expected to again run out, but are still available at the tome of publication. If you have already filed with a bank (prior to the closing of the application process earlier this month) you may want to check back to be sure that your application is being filed if it was not already.

May 7, 2020: Chamber Releases Resource Guide for Businesses: Restoring Bedford County…Together

Updates Today: May 3, 2020

Small Business Guide and Checklist for CARES Act Assitance


Centers for Disease Control and Prevention (CDC)

U.S. Chamber of Commerce Resource Links:

Small Business Guide & Checklist for Coronavirus Emergency Loans 
EIDL Bochure
National Small Business Town Hall
Guide to SBA’s Economic Injury Disaster Loans 
Guide to Employee Retention Tax Credit 
PPP Loans FAQ Sheet 
National Return to Work Plan 
Save Small Business Fund – $5,000 small business grants 

Cares Act Resources (Paycheck Protection Program)

Assistance for small businesses designed to help businesses keep their employees working; applications go through local lenders (banks, credit unions, etc.)
Paycheck Protection Program Overview
Paycheck Protection Program Application to review
Paycheck Protection Program Fact Sheet for Borrowers
Paycheck Protection Program Fact Sheet for Lenders

PA Chamber of Business & Industry  Resource Link:

Small Business Administration Loan Information (Family First Act & CARES Act)
SBA Economic Injury Disaster Loan Application 
Preparing and Applying for an SBA Economic Injury Disaster Loan
Guide to SBA’s Economic Injury Disaster Loans







Click Here More information on working ON your business when you can’t work in it.


Additional Posts (Chronological)

April 14, 2020 – Join us for a Technology Town Hall with PA Senator Wayne Langerholc this Friday, April 17th at 1:00 p.m.  Chamber members have been sent the zoom credentials for this meeting.  If you would like to join and have not received the information, email Kellie Goodman Shaffer for more information.


April 13, 2020


April 8, 2020

April 5, 2020


April 4, 2020 – National Federation for Small Business Webinars Available On Demand

The NFIB has made recordings of all of their webinars concerning resources for small businesses dealing with the challenges of the COVID-19 crisis available on demand.



April 3, 2020 – SBA Assistance for Farms.  Click here for details about loans/funding available to ag producers.

March 30, 2020 – 8am

As many of you are aware, the Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn.  Known as the “Paycheck Protection Program,” the initiative provides 100% federally guaranteed loans to small businesses who maintain their payroll during this emergency.  Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.

Coronavirus Small Business Emergency Loans Guidance & Checklist
We are also recommending this article from Forbes that helps to explain the bill and its benefits for small businesses.

Please don’t hesitate to contact the Chamber if we can be of assistance.


March 30, 2020 – Thank you  to Terri Johnson, CPA for sharing this e-newsletter with valuable info about the CARES act with us, including an individual stimulus calculator (for households), unemployment info and more:

Click Here for More Info.


March 27, 2020

The CARES Act, passed by Congress, makes $349 Billion in capital available to small businesses immediately, with a particular emphasis on payroll.  (Including a “loan” that would be forgiven for 8 weeks of payroll up to $10,000.)  Additional loans will also be available, a.. can be requested even if you have applied for and/or been granted a previously-available disaster loan.  Community banks and credit unions can take inquiries and will be utilized by the federal government to assist in processing applications.  Apply online:

Additional details are available here: CARES Act – Small Business Explainer


March 24, 2020

The Families First Act:  Click here for clarification of information for employers and employees.

Downloadable pdf’s with information on the Families First Act requirements and benefits:

Families First Coronavirus Response.For Employees

Families First Coronavirus Response.For Employers

Families First Coronavirus Response.Q&A


March 25, 2020: The Pennsylvania Industrial Development Authority (PIDA) Board of Directors took action today to make $61 Million available for working capital loans to small businesses. Small businesses are defined as for-profit businesses with fewer than 100 employees (WORLDWIDE) at the time of application. While not specified in the guidelines, the interest rate will be 0% except for Ag Producers, which shall have a rate of 2%.

All applications need to be submitted by and through a certified area loan organization.  BCDA is the CEDO (Certified Economic Development Organization) for Bedford County.   Tabitha Barbarito is the contact for this program.  Businesses may inquire at


Click Here for additional information available to businesses state wide from Small Business Development Center.


Tips for Small Businesses to Plan for and Respond to Coronavirus

Health and government officials are working together to maintain the safety, security, and health of the American people.  Small businesses are encouraged to do their part to keep their employees, customers, and themselves healthy. For guidance and tips for your small business to plan and respond, please click here.

 Guidance for Employers – Click here to download CDC guidance for employers to plan and respond to the Coronavirus.

Workplace Tips – For workplace tips and resources for employers to combat the virus,  click here.

Corporate Aid Tracker – Click here to view our corporate aid tracker for details on how businesses are helping nationwide.

Resilience in a Box – If your business needs help putting a plan in place, click here to use the U.S. Chamber Foundation’s toolkit created in partnership with the UPS foundation.


Links to Important Websites  with COVID-19 Information:

Shutdown Information for Businesses – Additional Info

Here is a downloadable pdf list of the defined “Life Sustaining Businesses” Life-Sustaining-Business

Employers with questions about whether their organization needs to close to contact DCED:

Businesses that would like to seek a waiver should contact the state using this email address:



The U.S. Small Business Administration, in addition to local funding partners, may also be a source of assistance for affected businesses.  The SBA has issued a disaster declaration for the state of PA. Businesses should visit: to apply for Economic Injury Disaster Loans (EIDL) or Paycheck Protection Plan Assistance (PPP) which will be applied for through your local bank.



Unemployment Compensation and COVID-19:  You may be eligible if your employer temporarily or permanently closes; your hours are reduced;  you’ve been told not to work to mitigate COVID-19; you’ve been told to quarantine or self isolate.



Through the Chamber Choice partnership My Benefit Advisor (MBA) is available exclusively to Chamber members as a solution for employee benefits. MBA recently hosted a webinar for their clients to discuss the various benefits and business issues employers are facing during the COVID-19 outbreak. For more information about My Benefit Advisor or if you have any questions, contact us at (800) 377-3539 or

MBA has decided to share the recording of this webinar because of its importance and as an example of the guidance and support provided to our clients on a regular basis.

Listen/Watch to the MBA COVID-19 Webinar

Webinar Password: MBAWebex@2020


Resources for Non-Profit Organizations:

The Community Foundation for the Alleghenies has announced a fund specifically designed to help non-profits deal with the challenges of the COVID-19 crisis.  Click Here to Read the Full News Release