White Plains Business Improvement District



SBA Assistance, Webinars, and Other Sources of Business Assistance

​• Webinars
• Business Assistance
     • Guide to the Cares Act
     • Economic Injury Disaster Loan
     • Paycheck Protection Program
     • Emergency Local Loan
• Business Restrictions
• Curbside Pickup Parking
• Sources for Information
• Promoting Your Business
• BID Office Update





E-Commerce: Are You Set Up to Sell Virtually?
Friday, May 22 at Noon
Jann Mirchandani will lead you in this workshop where you can learn how to set e-commerce up for your business. This is a part of the Hudson Valley Gateway Chamber of Commerce's Restart Rebound Rebuild series.
Register: https://www.hvgatewaychamber.com/events/details/e-commerce-zoom-seminar-10815


Clearing a Path Through the Loan Forgiveness Maze 
Tuesday, May 26 from 2 pm - 3 pm
The Paycheck Protection Program (PPP) Loan Forgiveness Application has finally arrived. It is 11 pages, and has the look and feel of a tax return. The complexity of it presents a substantial challenge for someone not familiar with the PPP rules. The instructions are at best, confusing and, at worst, contradictory.
Dedicated to providing our clients with accurate direction, we have been analyzing information as soon as it becomes available. As a result, we are equipped to help you fulfill the requirements of the application process, comply with PPP rules and maximize loan forgiveness. Advance planning and expert support are essential to avoiding missteps that may jeopardize maximum forgiveness or worse, eligibility.
To keep you informed and help you prepare to apply for loan forgiveness, join PFK O'Connor Davies for this important webcast.

During this webcast they will:
Decipher current loan forgiveness eligibility requirements
Clarify the forgiveness calculations
Present potential pitfalls to avoid prior to application submission
Explain the Forgiveness Application process
Introduce loan application support services

Register: https://register.gotowebinar.com/register/5387915246377409551



PayPal partners with Small Business Roundtable for their Small Business Month. This year’s partnership will recognize the unprecedented challenges and hardships the small business community is experiencing during the extraordinary economic fallout due to COVID-19. The two organizations will work together to support American small business owners and entrepreneurs by hosting webinar series that will include:

Optimizing Your Digital Strategy during COVID-19
May 28 at 3 pm
Featuring: Aram Nadjarian, Margaret Brown, and Allen Gannett
Register: https://www.smallbusinessroundtable.org/paypalsmallbusinessmonth

Leadership: Managing your business in times of crisis
June 3 at 3 pm
Featuring: Jen Earle, Keith Hall, and Corinne Hodges
Register: https://www.smallbusinessroundtable.org/paypalsmallbusinessmonth

Tele-town Hall with Congressional Members, Diversity Business Leaders: Supporting Diversity Business Owners during COVID-19
Week of June 8
Featured speakers to be announced.
Register: https://www.smallbusinessroundtable.org/paypalsmallbusinessmonth





White Plains-based Zoom Ordering, a software owned and developed by KOI Creative Space and Turkois, is offering any business based in White Plains two months of free access to their ordering software, which allows for adding an order-able menu and order management to any existing website. The software is typically a monthly fixed fee of $99 and allows restaurants to retain more margin vs. using high cost third party ordering services such as GrubHub.

If you are interested, click 'Book a Demo' at ZoomOrdering.com - your White Plains address will instantly qualify your business for the free months.



Extraordinary Thinking to Navigate Through Extraordinary Times
This is an interactive course that will help you lead more effectively in your organization to increase growth, especially during these challenging times.

Eight-session program Tuesdays & Thursdays, June 2 through June 25, 2020. 8 am to 9:30 am, Zoom Meeting, CE-Bus 2121 Class # 7051, Cost: $79

To Register, call (914) 606-8600 or email: noncreditregistrationhelp@sunywcc.edu


Advance your skills on computer training.
Take advantage of remote summer classes on Unix/Linux Administration Basics, Microsoft Excel 2016, IBM Skills Academy/Data Science Practitioner, Introduction to Microsoft Project, Computer Programming for the Absolute Beginner.

View these programs here: https://www.sunywcc.edu/continuing-ed/lifelonglearning/career-prep-certificate-program/computers-information-technology/


Throughout the month of June they are offering free online classes.
Options include: Creating Web Pages, Creating WordPress Websites, Fundamentals of Supervision and Management, Managing Customer Service and others.

For more information, click here or contact michele.maya@sunywcc.edu or kristine.bunyea@sunywcc.edu

To register, please visit www.ed2go.com/sunywcc and type free into the search box. Offer ends June 30, 2020



White Plains BID members qualify for our COVID-19 Assistance Program (BIDCAP). You are highly encouraged to take advantage of this program.

Under BIDCAP, the White Plains BID will:
•  Partner with Caring for COVID to raise funds and make food purchases at downtown restaurants to coordinate delivery to front line workers. Additionally, the White Plains BID will match up to $100,000 of all donations.
BID food establishments: If you would like to participate and receive a matching contribution, contact caringforcovid@gmail.com

Help us help you! Share our campaign with your customers: gf.me/u/xyncaa

•  Subsidize gift card purchases at participating downtown businesses, which will allow consumers to buy gift cards at half price. A customer can purchase a gift certificate up to $200 at half cost at participating BID businesses and the WPBID will underwrite the balance for the business.•  Provide up to 100 hours of free parking validation codes through the ParkWhitePlains App to participating BID businesses for their customers. This initiative is being done to make it easier for people to come downtown as emergency order regulations are lifted.
•  Distribute face masks to BID businesses. Priority will be given to essential employers open currently.

To participate in these programs, submit the BIDCAP enrollment form.



State Pension Fund Supports Paycheck Protection Program;
Pursuing Additional $100 Million Allocation

April 27, 2020 - New York State Comptroller Thomas P. DiNapoli today announced that the New York State Common Retirement Fund (the Fund) is putting $50 million toward the federal Paycheck Protection Program (PPP), a component of the latest coronavirus relief package. Under the PPP, employers can secure loans that will be forgiven by the federal government if employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. 

The Fund’s commitment will supplement PPP loans being administered by Pursuit (formerly New York Business Development Corporation). Returns to the Fund will be consistent with U.S. Treasury securities.

“New York small businesses are facing unprecedented challenges that have put more than a million men and women out of work,” DiNapoli said. “We’re doing what we can to help small businesses keep employees on their payroll, even if they may have paused operations. PPP loans are critical to New York businesses trying to survive through this public health and economic crisis. We are continuing to look for opportunities to help New Yorkers that are consistent with our fiduciary responsibility to the pension fund.”

The Comptroller’s office and the Fund have a long relationship with Pursuit having provided funds for business loans to help more than 1,000 qualifying New York businesses in all 62 counties retain jobs and expand. The Fund’s allocation to Pursuit redirects a large portion of the existing available loan program funds to address the immediate crisis. Additionally, the Fund is exploring the possibility of providing another $100 million toward PPP through its existing program with Pursuit, pending approvals from the U.S. Small Business Administration (SBA) and others. 

“The Paycheck Protection Program is a lifeline for businesses during this unprecedented challenge,” said Patrick J. MacKrell, President and CEO of Pursuit. “This vital financial support will allow us to provide increased access to the program for businesses across New York State, especially those that experienced difficulty accessing the program through their bank of account. We are grateful to Comptroller DiNapoli for our longstanding relationship and his commitment to supporting small businesses through the fund.”

To help make sure the Fund’s allocation benefits New York’s “main street” businesses, it has set certain parameters with Pursuit, including:
• Exclusive availability to New York businesses.
• No loan minimum, with maximum loan set at $350,000.
• 25 percent of loans are targeted for Minority and Women-Owned Business Enterprises.

Prior to the Fund’s allocation, Pursuit has processed PPP loans totaling nearly $200 million to small businesses. PPP loans are federally guaranteed. New York businesses can sign-up to apply for PPP through Pursuit at pursuitlending.com/pppapply

For more information on the PPP visit the SBA. The latest $484 billion relief package included an additional $310 billion for the PPP. 



Today I outlined a phased plan to safely reopen New York at the appropriate time, taking a regional approach. Phase one will be to reopen low-risk construction and manufacturing businesses in parts of the state that have experienced a 14-day decline in the hospitalization rate. Phase two will open certain industries based on priority and risk level. (Businesses considered "more essential" with inherent low risks of infection in the workplace and to the customer will be prioritized.) Officials are closely monitoring the hospitalization rate, the infection rate, and other key health indicators, and will make adjustments to the plan based on this crucial data.

There will be a two-week waiting period in-between phases of this plan to monitor the effect. This will help ensure that the hospitalizations and infection rates are not increasing as some workers begin to return to work. 

Businesses and industries will create plans that include new measures to protect employees and consumers. The physical workplace will have to be reimagined to be safer, and businesses must implement processes that lower the risk of infection. The state is consulting with local leaders in each region and industry to formulate these plans.

Learn more: https://www.governor.ny.gov/news/amid-ongoing-covid-19-pandemic-governor-cuomo-outlines-phased-plan-re-open-new-york-starting



The White Plains BID has obtained some face masks for BID businesses. Priority will be given to essential employers still currently open. If you have a need, please contact brittany@wpbid.com
Essential workers can now fill out a needs form on these two sites for free masks: https://www.masksforny.org/#recipients or https://www.sewforny.org/



View the National Restaurant Association's Guide for reopening: https://wpbid.com/sites/default/files/National-Restaurant-Association-COVID19-Reopening-Guidance.pdf


New York State Executive Order Allows Westchester County Executive George Latimer To Remove Property Tax Late Fees For County Residents And Businesses

Westchester County Executive George Latimer received permission from Governor Andrew Cuomo to go forward with his plan to remove late fees for County residents and business for the late payment of their property taxes (New York State Executive Order No. 202.22). 

Latimer said: “I want to thank Gov. Cuomo for recognizing the need to help Westchester residents and businesses. I am concerned about the financial pressures that the residents of this County are under. We can, we should - and now, we are - offering them some financial relief by waiving the late payments for the County taxes now due. This is the right thing to do for our constituents.”

To provide assistance to the cities and towns that collect these taxes, the Executive Order allows for the County Executive to accept less than 60% of the taxes (along with special ad valorem levies and special assessments) due on May 25 from towns and cities, as long as the municipalities waive residents’ late fees for the late payment of property taxes up to July 15, 2020.

To have the fee waived, the resident or business must certify economic hardship caused by COVID-19. The threshold for the certification requires in part that a resident must have qualified for the STAR exemption, is not paying property taxes through an escrow account and can assert that they have suffered loss of substantial employment income as a result of COVID-19.

Read the full press release.



People + Work Connect is an analytics-based platform developed by Accenture that facilitates connects businesses that are laying people off with businesses that are hiring. Here's the website: https://www.accenture.com/us-en/about/company/people-work-connect

The Small Business Recovery Fund has completed its first round of assistance but will start a new round soon: https://www.lisc.org/covid-19/verizon-small-business-recovery-fund/



National Restaurant Association Relief Fund
This new grant opportunity was just announced. Restaurant employees may be eligible for a $500 grant from the National Restaurant Association Educational Foundation’s (NRAEF) Employee Relief Fund. Staff may be eligible for a $500 one-time grant if they:
• Worked on a part- or full-time basis in the restaurant industry for at least 90 days in the past year (this includes food delivery),
• Have had a primary source of income in the restaurant industry for the last year,
• Have experienced a decrease in wages or loss of job on or after March 10, 2020, which these grant funds will help offset,
• Live in the United States, an overseas U.S. military base, or any U.S. territory, and
​• Are over the age of legal majority in their U.S. state or territory. Grants will be awarded as soon as possible to those individuals who meet the eligibility criteria.
The grants are subject to availability and are limited to one per person.
Apply here.

Grants for Restaurant/Bar workers in New York State
To qualify for grant assistance, applicants must satisfy all of the following requirements:
​• Completed Application Form,
​• Full-time employee (Minimum of 30 hours total per week, can be multiple restaurants),
​• Employed for 3 months or longer at the same location,
​• Worked in a restaurant, bar, cafe or nightclub located in New York (other eligible states: Arizona, California, Connecticut, Florida, Georgia, Illinois, Maine, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Vermont)
Apply here.



The New York State Department of Labor (DOL) today announced the launch of a new application for New Yorkers to apply for traditional Unemployment Insurance or the new COVID-19 Pandemic Unemployment Assistance. This one-stop-shop for unemployment benefits will connect New Yorkers with the benefits they deserve faster, without requiring them to call the Department of Labor.

The NYS DOL is dedicated to ensuring that every New Yorker who is entitled to unemployment insurance benefits will receive all benefits due. New Yorkers seeking to file an unemployment insurance claim should visit labor.ny.gov or call the Telephone Claim Center at (888) 209-8124.

Please see this Pandemic Unemployment Assistance Fact Sheet for more information.



Here is a link to a recording of Westchester County Economic Development's recent eCommerce webinar which covered how to add gift cards/gift certificates to your existing website, and other eCommerce functions. https://www.youtube.com/watch?v=Aa2P3tySlUA

The Office of Economic Development has hired an eCommerce expert to provide guidance to small businesses in Westchester County who need help with this. Contact them here and put eCommerce in the subject line if you are interested in a free consultation. 



The IRS has released Notice 2020-23, extending return and payment due dates between April 1, 2020 and July 15, 2020 to July 15, 2020. The announcement amplifies the relief provided by Notices 2020-17, 2020-18 and 2020-20, which generally extended due dates for returns and payments due on April 15, 2020, but not other due dates.

The notice extends returns and payment due dates for:
• Individuals (Form 1040, including 1040NR)
• Corporations (Form 1120)
• Partnerships (Form 1065)
• Estate, Gift and Trust returns (Form 1041, 706, 8971)
• Non-profits
• Any information returns attached to a return, or due to be filed by the due date for a return, are extended as well. This includes Forms 3520, 5471, 5472, 8621, 8858, 8865, and 8938. (Previous IRS extensions had excluded information returns, although could have been construed to apply to information returns attached to a return.)

Second Quarter Estimated Tax Payment Relief
The Notice also extends estimated tax payments due before July 15, 2020. Thus, for calendar year taxpayers, first and second quarter estimated payments will be due on July 15, 2020. Previous IRS guidance had extended only first quarter estimated payments, leaving second quarter estimated payments due before the first quarter estimated payments.

Other Relief Items
The extension also applies to installment payments due under §965, as well as any estate tax payments under installment agreements for estates consisting largely of interests in closely-held businesses, extensions of time to pay previously granted by the IRS, and extensions of time to pay estate tax on reversionary or remainder interests in property. In addition, the due date for time sensitive elections (i.e., accounting method changes and similar elections made on returns) has been extended.

State Relief?
Notice 2020-23 does not apply to state and local deadlines, but should provide relief to the extent states and municipalities have already announced that they will follow federal deadlines. States and municipalities with more limited extensions will have to consider whether to conform to the Notice. Further updates will be provided as states and municipalities announce their policies.

Learn more: https://www.pkfod.com/insights/irs-extends-returns-and-payments-to-july-15th/



On April 9, 2020, the Federal Reserve announced actions to assist employers of all sizes. The Federal Reserve’s purpose is to promote maximum employment, maintain steady prices, and support the stability of the financial system. The Main Street Lending Program is being conducted under authority granted by the CARES Act.

Main Street Lending Program
The Main Street Lending Program will provide funding to businesses that were in good financial standing prior to the COVID-19 crisis. All companies employing up to 10,000 workers, or with revenues of less than $2.5 billion, are eligible for the program. A special purpose vehicle organized by the Federal Reserve will purchase 95% of eligible loans from the lenders. The vehicle may purchase up to a total of $600 billion of eligible loans. The Main Street Lending Program will purchase loans until September 30, 2020 unless the program is extended further.

Businesses seeking Main Street loans must promise to make reasonable efforts to maintain payroll and retain their employees. An entity entering into the loan will also have to abide by the compensation limits set by the CARES Act. Those limits provide that, among other things, an officer or employee of the business whose total compensation exceeded $425,000 in 2019 will not be allowed to receive an increase over the 2019 compensation for a two-year period beginning on March 1, 2020 and ending on March 1, 2022, and any severance for said employee will not exceed two times their 2019 compensation. An exception is allowed for compensation determined by a collective bargaining agreement. 

The loans will be originated by banks by either issuing new loans (New Loan Facility) or increasing the size of existing loans originated prior to April 8, 2020 (Expanded Loan Facility). Borrowers cannot participate in both the New Loan Facility and the Expanded Loan Facility. Borrowers participating in the Main Street Program also may not participate in the Primary Market Corporate Credit Facility. 

Entities that have taken advantage of the Paycheck Protection Program may also take advantage of the Main Street Lending Program.

Loan Details
Loans eligible for the Main Street program will have a four-year maturity and a one-year deferral of principal amortization and interest. The minimum size of eligible loans is $1 million. The maximum loan size for the New Loan Facility is the lesser of $25 million or 4 times 2019 EBITDA. The maximum loan size for the Expanded Loan Facility is the lesser of $150 million, 30% of the borrower’s existing undrawn bank debt, or 6 times 2019 EBITDA. The EBITDA limitations include any existing undrawn debt of the borrower. The interest rate on eligible loans is the secured overnight financing rate (approximately 1.04% as of April 9) plus 250-400 basis points.

The Federal Reserve is seeking feedback from lenders, borrowers, and other stakeholders through April 16 on these programs. Feedback can be submitted on the Federal Reserve’s website: feedback form.


We will keep you informed as more information arises.

Learn more: https://www.pkfod.com/insights/federal-reserve-announces-main-street-lending-program/



A recent Executive Order issued by Governor Cuomo, together with recent amendments to the insurance and banking regulations issued by the New York State Department of Financial Services, extend grace periods and give you other rights under certain property/casualty insurance policies if you are an individual or small business and can demonstrate financial hardship as a result of the novel coronavirus pandemic. These grace periods and rights are currently in effect but are temporary, though they may be extended further. Please check the Department's website for updates.

If you are a small business, only certain types of commercial lines property/casualty insurance policies are covered by these amendments, generally including property, fire, commercial general liability, special multi-peril, medical malpractice, worker' compensation, commercial auto (including livery and other for-hire vehicles), and commercial umbrella insurance. A business qualifies as a "small business" if it is resident in New York State, is independently owned and operated, and employs 100 or fewer individuals. If you are a small business and an affected policyholder, please contact your insurer or broker if you are uncertain whether your policy is covered.

A copy of the Executive Order and regulations can be found on the Department's website or through this direct PDF.



• Consumers and small businesses experiencing financial hardship due to COVID-19 may defer paying health insurance premiums through June 1, 2020
• Special Enrollment Period for uninsured New Yorkers to apply for coverage through NY State of Health or directly to insurers extended through May 15, 2020
• If you lost employer coverage, you must apply within 60 days of losing that coverage; because of loss of income, New Yorkers may also be eligible for Medicaid, the Essential Plan, Subsidized Qualified Health Plans or Child Health Plus
See more details here: https://www.governor.ny.gov/news/amid-ongoing-covid-19-pandemic-governor-cuomo-announces-state-department-health-has-approved



The CARES Act is a stimulus package that includes $367 billion of small business relief. When implemented, there will be many new resources available for small businesses.

Struggling to get started? The following questions might help point you in the right direction. Do you need:
• A quick infusion of a smaller amount of cash to cover you right now? You might want to look into an Emergency Economic Injury Grant.
• Capital to cover the cost of retaining employees? Then the Paycheck Protection Program might be right for you.
• To ease your fears about keeping up with payments on your current or potential SBA loan? The Small Business Debt Relief Program could help.
• Just some quality, free counseling to help you navigate this uncertain economic time? The resource partners might be your best bet.

Download The Small Business Owner's Guide to the CARES Act. This guide provides information about the major programs and initiatives that will soon be available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of SBA. 




UPDATE 4/28 - Economic Injury Disaster Loans (EIDL) and EIDL Advances
The SBA is unable to accept new applications at this time for the EIDL-COVID-19 related assistance program, including EIDL Advances, based on available appropriations funding. Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis.

Previous EIDL and EIDL Advances Status: If you submitted an application, received correspondence from SBA, and have a loan number that begins with a “3”, you are in the queue and your patience is appreciated. If you would like to further inquire about the process and understand what to expect next you should contact the SBA Office of Disaster Assistance 24/7 Customer Service line at 800-659-2955.


On March 27, 2020, President Trump signed into law the CARES Act, which provided additional assistance for small business owners and non-profits, including the opportunity to get up to a $10,000 Advance on an Economic Injury Disaster Loan (EIDL). This Advance may be available even if your EIDL application was declined or is still pending, and will be forgiven .

If you wish to apply for the Advance on your EIDL, please visit www.SBA.gov/Disaster as soon as possible to fill out a new, streamlined application. In order to qualify for the Advance, you need to submit this new application even if you previously submitted an EIDL application. Applying for the Advance will not impact the status or slow your existing application.

Also, we encourage you to subscribe to www.SBA.gov/Updates and follow the SBA on Twitter at @SBAgov for the latest news on available SBA resources and services. If you need additional assistance, you can find your local SBA office and resource partners at www.SBA.gov/LocalAssistance . If you have questions, you may also call 1-800-659-2955.


Important Update On SBA Economic Injury Disaster Loan (EIDL) Applications:
As EIDL applications continue to surge, the Office of Disaster Assistance has provided an alternate method for applicants to submit and upload forms while the application portal is down for maintenance.

Here’s the link to the new application page with instructions for uploading documents: https://disasterloan.sba.gov/apply-for-disaster-loan/index.html 

IMPORTANT: You may have to clear your browser cache if you receive an error accessing this page. The page has links to all of the relevant forms.
Notes to help with the application:
• The Office of Disaster Assistance is advising businesses to fill out the PDF forms and reach out to SBDC if they need assistance with compiling the financial information. They may request assistance with the application at www.nyssbdc.org to make an online request. 
• Applicants will also need to submit the most recently filed tax returns for the business and all owners of the business, or a justification if not available. Sole proprietors are required to complete the 5C loan application form. All other businesses should fill out the form 5 business loan application. 
Notes on filling out the forms:
• On all forms “Damaged Property” simply refers to your primary location for the operations of the business. 
• On Form 5, skip box 15, this only applies to property damage loans. 
• There is no specific location to input a requested loan amount. The loan amount is determined by the supporting documents and any other relevant financial information provided that substantiates the economic injury. 
• All owners with 20% or greater ownership in the business must be included in the application.


SBA is offering low-interest federal disaster loans for working capital to (a) small businesses or (b) private nonprofit organizations that are suffering substantial economic injury as a result of the Coronavirus.

• Your business must be experiencing a business loss due to COVID-19
• Entities may qualify for loans up to $2 million
• Maximum unsecured loan amount is $25,000
• Interest rates: 3.75% for small business; 2.75% for private nonprofits
• Term – up to 30 years
• Use of funds: working capital, paying fixed debts, payroll, accounts payable, other bills that could have been paid had the disaster not occurred
• Loans are NOT intended to replace lost sales or profits or for expansion
• There is no obligation to take the loan if offered
• Applicants can have an existing SBA loan or other SBA loan and still qualify for this disaster loan. Loans cannot be consolidated.

Credit Requirements:
• Acceptable credit history
• Proven ability to repay the loan
• Collateral for loans over $25,000

BEFORE YOU BEGIN THE APPLICATION PROCESS, you are strongly encouraged to complete all of the necessary forms. SBA would like to also manage expectations: it is NOT a quick process.

Loan Application Program:
You will need to set up a username & password at the SBA loan application program:

You will be applying for an Economic Injury Disaster Loan (EIDL). 

For help in applying, here’s the SBDC’s handy guide for “Applying for SBA’s Economic Injury Disaster Loan Using the Disaster Loan Application Portal”

Loan Application Process:
• Completed SBA loan application (SBA form 5
• (for sole proprietors/home-based businesses, fill out Form 5c
• IRS Form 4506-T completed and signed by Applicant business, each principal owning 20% or more of the applicant business, each general partner or managing member and, for any owner who has more than a 50% ownership in an affiliate business. (Affiliates include parent company, subsidiaries, and/or businesses with common ownership or management). 
• Completed copies of the most recent Business Federal Income Tax return – all pages
• Schedule of Liabilities (SBA form 2202
• Personal Financial Statement (SBA form 413D) - each principal owning 20% or more of the applicant business, each general partner or managing member.

Other information that may be requested:
These additional forms will likely be requested at some point in the application process. If you have an opportunity to upload them onto the online platform in the process we would recommend you do so. This can save you time.
• Completed copy, including all schedules, of the most recent personal Federal income tax returns for each principal owning 20% or more of the applicant business, each general partner or managing member, and each affiliate (affiliates include parent company, subsidiaries, and/or businesses with common ownership or management).
• If you do not have completed 2019 business tax returns, submit year-end profit and loss statement and balance sheet for 2019.
• Current year-to-date profit and loss statement
• Monthly Sales Figure (SBA form 1368

To begin the process the business of applying for the SBA Economic Injury Disaster Loan, go to www.NYSSBDC.org and put in your information. That will register you as a client and someone should call back to help you with the application.

There is a SBA Small Business Development Center in Rye Brook that you can reach out to for help:

White Plains Outreach Center at Westchester
800 Westchester Avenue
Rye Brook, NY 10573
M-F, 9 AM - 5 PM; By appointment only
Phone: (845) 356-6065




UPDATE 4/28 - Paycheck Protection Program Lending Operations
Due to the unprecedented demand for Paycheck Protection Program (PPP) loans by the nation’s small businesses and to ensure equitable access and system integrity, SBA and Treasury are taking prudent and reasonable steps to protect SBA’s loan systems for the next phase of PPP loan processing.

SBA and Treasury are implementing the following measures:
• Pacing the number of loans processed in the E-Tran system for participating lenders when processing resumes on Monday, April 27, 2020 at 10:30 am EDT;
• Instituting a maximum dollar amount at 10% of PPP funding authority that any lending institution will be able to originate, exclusive of the additional $60 billion preserved for lenders with assets under $50 billion (i.e., $60 billion cap);
• Implementing operational standards to ensure that lenders access PPP funds based on their asset size;
• Ensuring the PPP continues to operate on a first-come, first-serve basis so that every small business has access to PPP loans to sustain their business and retain their employees; and
• Issuing the following Guidance For Lenders who have received a significant amount of loan applications.
• SBA and Treasury value all lenders and their small business customers and will continue to provide updates to the PPP lending community as loan processing resumes this week.


UPDATE - Payroll Protection Program Application

Download the Final Interim Guide for the Payroll Protection Program.

Link to the Payroll Protection Program Application:
https://www.sba.gov/sites/default/files/2020-04/PPP%20Borrower%20Application%20Form.pdf (All applicants should check with their bank concerning any other forms or documents that need to accompany it.)



Please note that while an application form has been made public by the US Treasury Department, SBA advises us that currently there is no mechanism to apply for the program yet. SBA is telling us that it is shooting for a Friday April 3, 2020 target date for when lenders can start processing applications. Therefore, you will not be able to apply for this program until then. We will keep you updated as we learn more. You can find out more information about the PPP on SBA’s website at  https://www.sba.gov/funding-programs/loans/paycheck-protection-program-ppp#section-header-4

Please note SBA’s instructions on HOW TO APPLY – IT WILL NOT BE THROUGH AN SBA PORTAL like the Economic Injury Disaster Loan:
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 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. START BY TALKING TO YOUR BANKS.

Download a SAMPLE Small Business Administration Paychek Protection Program Application to start gathering what you will need to apply.

Qualified SBA Lenders: https://www.sbalenders.com/top-sba-lenders-new-york/


PPP and stimulus-related changes will be available in the coming days as SBA completes the rule-making process, updates procedures/systems, and then on-boards lenders. Please apply here www.SBA.gov/Disaster in the interim. Businesses may benefit from both, so long as they don’t use them for the same purposes/time periods. No duplication of the use of proceeds, in other words.

The program provides cash-flow assistance through 100 percent federally guaranteed loans to employers who maintain their payroll during this emergency. If employers maintain their payroll, the loans would be forgiven, which would help workers remain employed, as well as help affected small businesses and our economy snap-back quicker after the crisis. PPP has a host of attractive features, such as forgiveness of up to 8 weeks of payroll based on employee retention and salary levels, no SBA fees, and at least six months of deferral with maximum deferrals of up to a year. Small businesses and other eligible entities will be able to apply if they were harmed by COVID-19 between February 15, 2020 and June 30, 2020. This program would be retroactive to February 15, 2020, in order to help bring workers who may have already been laid off back onto payrolls. Loans are available through June 30, 2020.  PPP Loans are available from any SBA 7(a) lender.

Some highlights:
•  Fund can be used for expenses such as payroll, group health insurance, rent, mortgage interest, and utilities.
•  We are awaiting more guidance from the U.S. Small Business Administration. Until then, here’s what we know so far:

One thing you CAN do in advance: Start gathering information about your average monthly payroll, which you’ll need for the application.

Who’s eligible?
All Businesses that have 500 or fewer employees (including sole proprietors and 501 (c) (3) organizations; but not government entities), were in business on or before February 15, 2020, and have suffered economic hardship as a result of the corona-virus pandemic.

What is the interest rate and term?
The legislation calls for a maximum interest rate of 4% for a term of not more than 10 years.

How will loan amounts be determined?
The maximum loan amount is 2.5 times the borrower’s average monthly payroll costs up to a maximum of $10M, whichever is lower. Any employee of the borrower who has an annual salary in excess of $100,000 must be excluded from the calculation. Monthly payroll should be calculated using average monthly payroll for prior year (or first two months of 2020 if business did not exist before 2020). As an example, a customer with an average monthly payroll of $10,000 might be approved for a $25,000 loan. Borrowers should consult their own legal, financial and tax advisers.

How is “payroll costs” defined?
Payroll costs are generally defined by the legislation as the monthly amount the business owner is paying his/her employees. It includes payroll tax, healthcare, retirement, etc.

Will payments be deferred?
Yes, payments will be deferred for a minimum of 6 months, per the legislation.

Can customers have a portion of the loan forgiven?
Yes. Customers may be eligible to have the loan principal forgiven if they use the funds for the approved purposes under the legislation and maintain the average size of their full-time workforce throughout the first 60 days of the loan term. In this case, they will only need to pay back the interest accrued. More information will be provided during the loan application process.



At the direction of Westchester County Executive George Latimer, the Office of Economic Development has organized a large group of dedicated volunteers to assist small businesses in preparing their applications for the EIDL program and PPP loans. While we are aware that both of the SBA's programs are not currently accepting applications, it is expected that these programs will be refunded sometime next week.

We want our small businesses to be ready when additional funding comes through. If you need help preparing your EIDL or PPP applications you can sign up with one of our volunteers by going to this website:  https://www.volunteernewyork.org/vvc 

Volunteers are available 7 days per week from 8:00 am to 6:00 pm.



Community Capital announces emergency loans for businesses affected by the COVID-19 virus. Community Capital New York is a not for profit lender that has been serving Westchester County and the lower Hudson Valley for over 30 years.

For immediate needs, both current clients and those who are new to Community Capital can apply for an Express Loan:
• Express Loan: Business owners who have a credit score of 650 or above can apply for an Express Loan of up to $10,000. This loan will have all payments deferred for 90 days and carries a 2% interest rate. 

As an SBA Lender, Community Capital will continue to make larger loans and loans to those with credit scores below 650, however they will not able to turn them around as quickly as the Express Loans. Applying for an Express Loan does not limit your ability to apply for one of Community Capital's other loan products.

For more information call Rachael Dubin (914) 747 8020 extension 118

Add Access to capital could be turned around in 3-5 days and serve as a bridge while working out a more permanent plan.  Details are available at https://communitycapitalny.org/emergency-express-loan/ 


Visit Westchester County Economic Development's webpage for up to the minute news and resources for businesses related to COVID-19: https://westchestercatalyst.com/coronavirus-updates/






At this time the Mid-Hudson Region, of which Westchester County is a part, has only met 5 of the 7 metrics required for reopening. In the meantime, the State has put together guidelines, best practices and safety plans for each phase of reopening so you may be prepared. Continue to check the state's regional monitoring dashboard, which continues to be updated here: https://forward.ny.gov/regional-monitoring-dashboard

At the below link, you can find:

• Specific industries listed out in Phase 1 of reopening.

• Guidelines for each industry that include mandatory practices and recommended best practices to provide safe working environments for employees.

• An affirmation of the guidelines that businesses must submit online as well as print out a hard copy to post conspicuously for all employees to see. NOTE: Essential businesses currently operating must do this as well to continue operating. https://forms.ny.gov/s3/ny-forward-affirmation

• Business safety plan templates specific to each industry that businesses can use or develop their own in accordance with the guidelines. These safety plans must be printed and posted conspicuously on premises. The business safety plan do not need to be submitted for state approval but must be made available to NYS DOH or local authorities upon inspection. NOTE: Essential businesses currently operating must do this as well to continue operating.

Re-Opening Guidelines from NY State: https://forward.ny.gov/industries-reopening-phase



In support off Governor Cuomo's recent Emergency Order, the following order has been issued from the City of White Plains:

  1. All persons must wear facial coverings when visiting or patronizing businesses and when working at or for such businesses, including groceries and pharmacies; food service businesses, including restaurants, cafes and delis that provide carry out, walk up or delivery service; construction sites; public transit vehicles or facilities; vehicles for hire, including taxis; and when visiting any location where social distancing of at least six feet from another person is not possible. All delivery, service and repair workers must wear facial coverings when they are within 10 feet of the entrance to or on the premises of any office, business_or residence. Facial coverings include any covering which snugly 'covers the mouth and nose, whether store bought or homemade, and which is secured with ties or ear loops.
  2. This Emergency Order which requires the wearing of facial coverings does not change or alter any operational or social distancing requirements imposed in any other emergency order.
  3. This Emergency Order shall be effective at 4 PM on April 14, 2020 and shall remain in effect until modified or rescinded by order of the Chief Executive. This Emergency Order may be extended in five (5) day increments.
  4. Failure to obey this Emergency Order is a criminal offense punishable by law in accordance with Section 24(5) of the New York State Executive Law.

Download the PDFs below for signage to post at your business.
Facial Coverings Required - English
Facial Coverings Required - Spanish

The White Plains BID has obtained some face masks for BID businesses. Priority will be given to essential employers still currently open. If you have a need, please contact brittany@wpbid.com

Essential workers can now fill out a needs form on these two sites for free masks: https://www.masksforny.org/#recipients or https://www.sewforny.org/



UPDATE 4/8/2020 - Governor Cuomo directed schools and nonessential businesses to stay closed for an additional two weeks through April 29. https://coronavirus.health.ny.gov/home


The following restrictions have been instituted to slow the spread of COVID-19:
• No on premises food or drink service shall be permitted in restaurants, cafes, coffee houses, bars, taverns and clubs, provided, however, that such businesses may provide carryout and delivery services, along with window service, walk-up service or drive-up service.
• Food establishments may allow five people inside at a time to pick up orders, as long as they stay six feet apart from each other.
• The following shall all be closed to the public: movie theaters, indoor and outdoor performance venues, gymnasiums, fitness centers, recreation centers, indoor sports facilities, indoor exercise facilities, exercise studios, spas, barbershops, nail & hair salons, and tattoo shops.
• Following CDC guidelines, no events attended by more than 50 people shall be permitted.

See NY State on PAUSE for further details and the list of essential business types: https://coronavirus.health.ny.gov/home

• The state issued interim guidelines to allow restaurants to sell groceries and heat-and-eat meals, in addition to take-out.

As you are aware, this is a rapidly changing situation. We are in communication with the city, county, and state. As we learn more, we will keep you informed of any updates.



View the New York State Liquor Authority's guidance on restrictions for to-go & delivery sales in response to COVID-19 outbreak: https://sla.ny.gov/Restrictions-in-Response-to-COVID-19




The City of White Plains have dedicated a number of "takeout/delivery" parking spaces in areas of the city near restaurants. The spaces will be free and have a 10 minute limit to ensure turnover and availability.




Watch County Executive George Latimer's Daily Coronavirus Briefing: Every Monday through Friday at 2 pm, George Latimer's Daliy Coronavirus Briefing will be streamed LIVE on Facebook at https://www.facebook.com/westchestergov

Apply for an Economic Injury Disaster Loan: https://www.sba.gov/funding-programs/disaster-assistance

Apply for a Paycheck Protection Program Loan:

SBA's Loan Forgiveness Application: https://home.treasury.gov/system/files/136/3245-0407-SBA-Form-3508-PPP-Forgiveness-Application.pdf

Download The Small Business Owner's Guide to the CARES Act:

Updated COVID-19 Disaster Funding Guidebook provided by Senator Kirsten Gillibrand:

A Guide to Expanded Unemployment Insurance Benefits in the CARES Act:

New Unemployment Insurance FAQ: https://westchestercatalyst.com/images/stories/pdfs/DOL_UnemploymentInsuranceFAQ_032720.pdf

News and resources for businesses on Coronavirus: https://westchestercatalyst.com/coronavirus-updates/

Learn if your business is essential: https://esd.ny.gov/guidance-executive-order-2026

Sign up for email updates from NYS: https://now.ny.gov/page/s/coronavirus-updates

Ask NYS questions about COVID-19: https://coronavirus.health.ny.gov/form/ask-us-a-question

Find more information about the new NYS COVID-19 Paid Sick Leave law: https://www.governor.ny.gov/programs/paid-sick-leave-covid-19-impacted-new-yorkers



Below you’ll find links to information and insights that have just become available. We encourage you to connect directly with our specialists for answers to any questions you may have. 

• IRS Issues Guidance on Refunds for NOL and AMT Carrybacks

• Economic Impact Payments for Non-Filers

• SBA PPP Loan Forgiveness – Best Practice (blog)






Inspiria Ourdoor Advertising is offering a discounted rate exclusively for BID Members. City Center is still very active due to ShopRite and Target being essential businesses. Any BID Member can take a slide in the City Center Digital Screens for only $200 from now through June 30th.

Contact Ronnie Ram at rram@inspiriaoutdoor.com or (914) 205-2040.



We are keeping a running list of businesses on our website who are remaining open for takeout, delivery and otherwise within compliance of the emergency orders. wpbid.com/openforbusiness

This page will be shared with neighborhood associations, building managers, and other White Plains residents. Please keep us updated on your business status as it changes.



LOHUD recently launched SupportLocal, sparking communities to take action through the purchase of gift cards, online shopping, delivery service options, and ordering take-out or delivery from restaurants. In the coming days, they will be adding extra features.

Visit the site and click the "Add a Local Business" link at the top and list your business for free: https://supportlocal.usatoday.com


"In your kitchen with your favorite restaurateur." This new Westfair feature is meant to bring our readers together with their favorite restaurants – at home, in their kitchens. We’ve invited all local restaurants to participate and share their recipes, messages, take-out services and whatever else they wished to share.

Sign up to be featured: https://wbp.formstack.com/forms/restaurant



Restaurants and Bars
• Offer "front door" drop off deliveries for seniors and immunocompromised customers
• Special offers for customers. For example: Discount on wine bottles with the purchase of 2 entrees
• Sunday brunch delivery including sangria or mimosas
• Picnic baskets: Provide lunch, plates, utensils, drinks for families to eat outside
• Family sized meals and bundle packages. For example: Salad, entrees and drinks for a family of four
• Offer a kids menu
• "Social Distance Happy Hour" with cocktails for delivery, specials such as "quarantinis"F
• DIY Kits that include ingredients for family meals. Examples: Make your own pizza, bake your own bread, grill your own steaks

Retail Stores
• Sell products online or on social media. For example: Show new products over Facebook livestream and allow customers to purchase them there
• Offer curbside pickup and shipping/delivery for items purchased online

Gym and Fitness Studios
• Stream classes online through Facebook, Youtube, or another streaming service
• Send members daily workout videos
• Suggest at-home exercise routines to members

• Virtual appointments and meetings over webcam or video calls


We are promoting BID businesses on social media. Please tag us in your posts so we can share them.
• Facebook - WhitePlainsBID
• Instagram - @whiteplains.bid
• Twitter - @WhitePlainsBID




Our physical office is closed, but we are still available to you. Feel free to contact us by email or at 914-328-5166. If we don't answer, please leave a message and we will call back as soon as we can.

• Alison Malecot - amalecot@wpbid.com, Ext. 4
• Brittany Brandwein - brittany@wpbid.com, Ext. 6
• Danielle Foti - dfoti@wpbid.com, Ext. 2
• Kevin Nunn - knunn@wpbid.com, Ext. 5
• Jennifer Tillerson - events@wpbid.com, Ext. 3


We are here to help,
The White Plains BID