ADN

BUSINESS
CENTS
PAYCHECK PROTECTION PROGRAM LOAN INFORMATION
The Paycheck Protection Program
is a loan designed to provide a direct
incentive for small businesses to keep
their workers on the payroll.
SBA will forgive loans if all employees
are kept on the payroll for eight weeks
and the money is used for payroll, rent,
ACCESS TO CAPITAL
SBA provides a number of loan
resources for small businesses to utilize
when operating their business. For more
information on loans or how to connect
with a lender, visit: https://www.sba.
gov/funding-programs/loans.
• 7(A) PROGRAM offers loan amounts
up to $5,000,000 and is an all-inclusive
loan program deployed by lending
partners for eligible small businesses
within the U.S. States and its territories.
The uses of proceeds include: working
capital; expansion/renovation; new
construction; purchase of land or
buildings; purchase of equipment,
fixtures; lease-hold improvements;
mortgage interest, or utilities.
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
refinancing debt for compelling reasons;
seasonal line of credit; inventory; or
starting a business.
• EXPRESS LOAN PROGRAM provides
loans up to $350,000 for no more
than 7 years with an option to
revolve. There is a turnaround time
of 36 hours for approval or denial of
a completed application. The uses
of proceeds are the same as the
standard 7(a) loan.
• COMMUNITY ADVANTAGE LOAN
PILOT PROGRAM allows missionbased
lenders to assist small
businesses in underserved markets
with a maximum loan size of
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.
$250,000. The uses of proceeds are
the same as the standard 7(a) loan.
• 504 LOAN PROGRAM is designed to
foster economic development and
job creation and/or retention. The
eligible use of proceeds is limited to
the acquisition or eligible refinance of
fixed assets.
• MICROLOAN PROGRAM involves
making loans through nonprofit lending
organizations to underserved markets.
Authorized use of loan proceeds
includes working capital, supplies,
machinery & equipment, and fixtures
(does not include real estate). The
maximum loan amount is $50,000 with
the average loan size of $14,000.
SMALL
BUSINESS
MARKETING
& SUPPLIES
CHANGING MARKET DEMAND:
Depending on the incident, there may
be access controls or movement
restrictions established which can
impede your customers from reaching
your business. Additionally, there
may be public concerns about public
exposure to an incident and they may
decide not to go to your business out
of concern of exposing themselves to
greater risk. SBA’s Resources Partners
and District Offices have trained
experts who can help you craft a plan
specific to your situation to help navigate
any rapid changes in demand.
MARKETING: It’s critical to communicate
openly with your customers
about the status of your operations,
what protective measures you’ve
implemented, and how they (as
customers) will be protected when
they visit your business. Promotions
may also help incentivize customers
who may be reluctant to patronize
your business.
OSHA: OCCUPATIONAL SAFETY AND HEALTH ADMINISTRATION
Occupational safety and health
professionals use a framework called the
“hierarchy of controls” to select ways of
controlling workplace hazards. In other
words, the best way to control a hazard
is to systematically remove it from the
workplace, rather than relying on workers
to reduce their exposure. During a
COVID-19 outbreak, when it may not be
possible to eliminate the hazard, the most
effective protection measures are listed
from most effective to least effective. Please
note, information has been omitted that
does not pertain to car wash environments.
✔ Engineering controls
✔ Administrative controls
✔ Safe work practices (a type of
administrative control), and
✔ PPE.
There are advantages and disadvantages
to each type of control measure when
considering the ease of implementation,
effectiveness, and cost. In most cases, a
combination of control measures will be
necessary to protect workers from exposure
to SARS-CoV-2. In addition to the types
of workplace controls discussed below,
CDC guidance for businesses provides
employers and workers with recommended
SARS-CoV-2 infection prevention strategies
to implement in workplaces:
• Engineering Controls. These controls
involve isolating employees from work
related hazards. In workplaces where
they are appropriate, these types of
controls reduce exposure to hazards
without relying on worker behavior and
can be the most cost-effective solution
to implement. Engineering controls for
SARS-CoV-2 include:
• Installing high-efficiency air filters.
12 | AUTO DETAILING NEWS | VOL. 5, NO. 2 • SUMMER 2020
• Increasing ventilation rates in the
work environment.
• Installing physical barriers, such as
clear plastic sneeze guards.
• Specialized negative pressure
ventilation in some settings, such as
for aerosol generating procedures
(e.g., airborne infection isolation
rooms in healthcare settings and
specialized autopsy suites in
mortuary settings).
• Administrative Controls.
Administrative controls require action
by the worker or employer. Typically,
administrative controls are changes in
work policy or procedures to reduce
or minimize exposure to a hazard.
Examples of administrative controls for
SARS-CoV-2 include:
• Encouraging sick workers
to stay at home.
• Minimizing contact among workers,
clients, and customers by replacing
face-to-face meetings with virtual
communications and implementing
telework if feasible.
• Establishing alternating days or extra
shifts that reduce the total number
of employees in a facility at a given
time, allowing them to maintain
distance from one another while
maintaining a full onsite work week.
• Discontinuing nonessential travel
to locations with ongoing COVID-19
outbreaks. Regularly check CDC travel
warning levels at: www.cdc.gov/
coronavirus/2019-ncov/travelers.
• Developing emergency
communications plans, including
a forum for answering workers’
concerns and internet-based