Resources for Businesses

Beginning on Monday, April 6th, and available Monday - Friday from 9:00 AM to 5:00 PM, the Town of Concord is offering assistance for loan questions and application help. To take advantage of this service, please email Beth Williams at bwilliams@concordma.gov and she will connect you with a financial staff member who can help.

Our local businesses, as well as not-for-profit organizations, veterans’ organizations, sole proprietors, self-employed individuals and independent contractors, are an essential part of our economy. While the COVID-19 virus is out of our control, we hope that these resources may help your organization during this tough time. Please periodically review local, state, and federal resources as information may change as the epidemic progresses.

Federal Resources The Small Business Administration (SBA) provides two key means of assisting these various entities.

  1. Small Business Administration’s Paycheck Protection Program (PPP): This program provides forgivable loans to entities with 500 or fewer employees to pay for payroll expenses (including benefits and other costs), as well as mortgage, rent and utility costs, if borrower maintains or rehires staff and maintains compensation levels. Since the loans are processed through banking institutions, you should contact your bank to apply.
  • PPP Application Form – Although most banks provide an online application form on their website, this document shows what information is necessary to complete the application.
  • PPP Information Guide – This document provides general information about the program.

2. Small Business Administration’s Economic Injury Disaster Loan (EIDL) program: This program provides loans for entities with 500 or fewer employees (possible exceptions to this requirement) experiencing hardships resulting from the COVID-19. The application can be done online by clicking here.

Two documents provide information about the Economic Injury Disaster Loan program:

  • EIDL Application Form – The form near the top of the first page has a link “Click Here” if the loan request is related to COVID-19. Click the link and the online application will appear.
  • EIDL Information Guide – This document provides general information about the program.

To contact the SBA regarding general inquiries, please email answerdesk@sba.gov. For information regarding disaster relief programing, please call 1-800-659-2955 or email at disastercustomerservice@sba.gov. If you are looking to contact the Boston district office, please call 617-565-5590.

State ResourcesVarious agencies should be used as resources for additional information.

  1. MEMA’s Emergency Operations Center’s Private Sector Hotline: This program through MEMA offers a hotline for questions regarding various state programs and offer resources on federal programs. For assistance and information, please contact the hotline at 508-820-2094.
  2. The Executive Office of Labor and Workforce Development: This state department offers resources for businesses related to employee benefits and will post additional guidance as it becomes available. Programs for business health and layoff avoidance include the following two programs:
  • WorkShare Program: This program through the Department of Unemployment Assistance will provide help employers avoid layoffs during a downturn. For assistance, please contact the program at 617-626-5521.
  • Rapid Response Program: This program through the Department of Unemployment Assistance will work closely with a business to avert layoffs by developing tailored plans and procedures. To contact the program, please call or email Ken Messina, Business Services Manager at the Statewide Office, (617) 626-5703, ken.messina@detma.org or Chuck Bennett, Rapid Response Coordinator II at the Boston/Metro North Region, (617) 620-4695, charles.bennett@detma.org.

If you have any questions about this material, please contact Beth Williams, Concord Visitor and Tourism Manager, via email at bwilliams@concordma.gov.

Additional Information

  1. Governor Baker’s Emergency Order (3/15) limiting gatherings to 25 individuals and prohibiting on-premises consumption of food or drink at bars and restaurants, beginning on March 17th and effective until April 6th.
  • Read more about the Emergency Order here.
  • The Order does not apply to normal operations at airports, bus and train stations, medical facilities, libraries, shopping malls and centers, polling locations, grocery or retail stores, pharmacies, or other spaces where 25 or more persons may be in transit.
  • The Order does not apply to typical office environments, government buildings, or factories where large numbers of people are present, but it is unusual for them to be within arm’s length of one another.
  • Additional guidance can be found here.