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Local Business

La SBA ofrece asistencia en caso de desastre a las pequeñas empresas de Michigan afectadas económica

Atlanta – La Agencia Federal para el Desarrollo de la Pequeña Empresa (SBA) por sus siglas en inglés, ofrece préstamos federales de bajo interés para capital de trabajo a las pequeñas empresas de Michigan que sufren un daño económico sustancial como resultado de la enfermedad del coronavirus (COVID-19), anunció hoy la administradora de SBA, Jovita Carranza. SBA actuó bajo su propia autoridad, según lo dispuesto por la Ley de Asignaciones Suplementarias para la Preparación y Respuesta ante el Coronavirus que fue firmada recientemente por el Presidente, para declarar un desastre a raíz de una solicitud recibida de la Gobernadora Gretchen Whitmer el 17 de marzo de 2020.

La declaración de desastre hace que la asistencia de SBA esté disponible en todo el estado de Michigan; y en los condados contiguos de Elkhart, La Porte, Lagrange, St Joseph y Steuben en Indiana; y Fulton, Lucas y Williams en Ohio; y Florence, Forest, Iron, Marinette y Vilas en Ohio. “SBA está firmemente comprometida a proporcionar la respuesta más eficaz y centrada en el cliente posible para ayudar a las pequeñas empresas de Michigan con los préstamos federales para catástrofes. Seremos rápidos en nuestros esfuerzos para ayudar a estas pequeñas empresas a recuperarse de los impactos financieros por la enfermedad del coronavirus (COVID-19)”, dijo la Administradora Carranza. Los representantes de servicio al cliente de SBA estarán disponibles para responder preguntas sobre el programa de préstamos para desastres por daños económicos de SBA y explicar el proceso de solicitud.

“Las pequeñas empresas, las organizaciones privadas sin fines de lucro de cualquier tamaño, las pequeñas cooperativas agrícolas y las pequeñas empresas de acuicultura que han sido afectadas financieramente como resultado directo de la enfermedad del coronavirus (COVID-19) desde el 31 de enero de 2020, pueden calificar para recibir préstamos para desastres por daños económicos de hasta 2 millones de dólares para ayudar a cumplir con las obligaciones financieras y los gastos de funcionamiento que podrían haber sido satisfechos si el desastre no hubiera ocurrido”, dijo Carranza.
n”Estos préstamos pueden ser usados para pagar deudas fijas, nómina, cuentas por pagar y otras cuentas que no pueden ser pagadas debido al impacto del desastre. Los préstamos para desastres pueden proporcionar una ayuda económica vital a las pequeñas empresas para ayudar a superar la pérdida temporal de ingresos que están experimentando”, añadió Carranza.

La elegibilidad para los Préstamos para Daños Económicos por Desastre se basa en el impacto financiero la enfermedad del coronavirus (COVID-19). La tasa de interés es del 3.75 por ciento para las pequeñas empresas. La tasa de interés para las organizaciones privadas sin fines de lucro es del 2.75 por ciento. SBA ofrece préstamos con repago a largo plazo para mantener los pagos asequibles, hasta un máximo de 30 años y están disponibles para entidades sin capacidad financiera para compensar el impacto adverso sin dificultades.

Los solicitantes pueden presentar su solicitud en línea, recibir información adicional sobre asistencia en casos de desastre y descargar las solicitudes en https://disasterloan.sba.gov/ela. Los solicitantes también pueden llamar al Centro de Servicio al Cliente de SBA al (800) 659-2955 o enviar un correo electrónico a disastercustomerservice@sba.gov para obtener más información sobre la asistencia para desastres de SBA. Las personas sordas o con problemas de audición pueden llamar al (800) 877-8339. Las solicitudes completas deben enviarse por correo a la Administración de Pequeñas Empresas de los Estados Unidos, Centro de Procesamiento y Desembolso, 14925 Kingsport Road, Fort Worth, TX 76155.

La fecha límite para solicitar un Préstamo para Daños Económicos por Desastre es el 21 de diciembre de 2020.

Para más información sobre el Coronavirus, por favor visite: Coronavirus.gov.

Para más información sobre los recursos y servicios disponibles de SBA, por favor visite: SBA.gov/coronavirus.

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Acerca de la Administración de Pequeñas Empresas de los Estados Unidos
nLa Administración de Pequeñas Empresas de EE.UU. hace realidad el sueño americano de ser propietario de un negocio. Como el único recurso y la única voz para las pequeñas empresas respaldada por la fuerza del gobierno federal, SBA otorga a los empresarios y propietarios de pequeñas empresas los recursos y el apoyo que necesitan para iniciar, hacer crecer o expandir sus empresas, o para recuperarse de un desastre declarado. Presta servicios a través de una amplia red de oficinas locales de SBA y de asociaciones con organizaciones públicas y privadas. Para obtener más información, visite www.sba.gov.

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Local Business

SBA Offers Disaster Assistance to Michigan Small Businesses Economically Impacted by the Coronavirus

ATLANTA – The U.S. Small Business Administration is offering low-interest federal disaster loans for working capital to Michigan small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19), SBA Administrator Jovita Carranza announced today. SBA acted under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, to declare a disaster following a request received from Gov. Gretchen Whitmer on March 17, 2020.

The disaster declaration makes SBA assistance available in the entire state of Michigan; and the contiguous counties of Elkhart, La Porte, Lagrange, St Joseph and Steuben in Indiana; Fulton, Lucas, and Williams in Ohio; and Florence, Forest, Iron, Marinette and Vilas in Wisconsin.

“SBA is strongly committed to providing the most effective and customer-focused response possible to assist Michigan small businesses with federal disaster loans. We will be swift in our efforts to help these small businesses recover from the financial impacts of the Coronavirus (COVID-19),” said Administrator Carranza. SBA Customer Service Representatives will be available to answer questions about SBA’s Economic Injury Disaster Loan program and explain the application process. “Small businesses, private non-profit organizations of any size, small agricultural cooperatives and small aquaculture enterprises that have been financially impacted as a direct result of the Coronavirus (COVID-19) since Jan. 31, 2020, may qualify for Economic Injury Disaster Loans of up to $2 million to help meet financial obligations and operating expenses which could have been met had the disaster not occurred,” said Carranza.

“These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. Disaster loans can provide vital economic assistance to small businesses to help overcome the temporary loss of revenue they are experiencing,” Carranza added.

Eligibility for Economic Injury Disaster Loans is based on the financial impact of the Coronavirus (COVID-19). The interest rate is 3.75 percent for small businesses. The interest rate for private non-profit organizations is 2.75 percent. SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years and are available to entities without the financial ability to offset the adverse impact without hardship.
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nApplicants may apply online, receive additional disaster assistance information and download applications at https://disasterloan.sba.gov/ela. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA disaster assistance. Individuals who are deaf or hard-of-hearing may call (800) 877-8339. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

The deadline to apply for an Economic Injury Disaster Loan is Dec. 21, 2020.

For more information about Coronavirus, please visit: Coronavirus.gov.

For more information about available SBA resources and services, please visit: SBA.gov/coronavirus.

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About the U.S. Small Business Administration
nThe U.S. Small Business Administration makes the American dream of business ownership a reality. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow or expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

Categories
Local Business

Support Local (while keeping a safe distance)

As we know, local businesses not only make our communities unique, they are also the backbone of our economic stability. Many of our small, independent businesses are going to suffer while we do our best to stay safe and healthy. But they are also masters of innovation and have already started responding to the needs this crisis has created.

The app below includes the information we've received from our members and other support organizations. Please support our local businesses as much as you can during this uncertain time. We're receiving updates by the hour, so check back regularly!

WEBINAR: Thank you to the American Sustainable Business Council for hosting us along with West Michigan Sustainable Business Forum and the Southeast MI Sustainable Business Forum

P.S. Do you have information that should be added to our lists? Email mieke@localfirst.com

Categories
Local Business

Imagine Restaurants Encouraging their Patrons to ‘Dine ‘n Dash’!

By: Scott Ptak, Content Writer at Writing2Ranking

That’s right!  Dining ‘n Dashing at restaurants is going to be highly encouraged by restaurant owners and management at locations all over the nation.  In some states, it is already happening.

If you are a law-abiding citizen, you’re probably thinking that promoting an illegal act isn’t a good idea.

But this Dine ‘n Dash concept is not what it suggests.

Dine ‘n Dash is the reference for a newer (Scan & Pay) point of sale system that will benefit both restaurants and their patrons alike, utilizing the scanning of QR codes from iPhones to finalize restaurant sales.

The ‘WOW’ factor for the Scan & Pay Program

The Scan & Pay program is a response to consumers wanting more speed and convenience out of their restaurant visit experience.  It also eliminates inefficiencies that are associated with traditional payment processes.  With the new Scan & Pay program, payments at any restaurant can be fast and secure by leveraging QR codes read seamlessly by customer iPhones, and without having to download any apps or participating in the exchange of credit cards to servers. 

Once an invoice is printed with a dedicated QR code and delivered to a customer, it can be scanned quickly without any mistakes, tips added accurately, and with a sense of security.  Lost time for customers waiting on servers to handle the payment process will no longer be an issue.  And it is an opportunity for restaurants to turn tables more quickly, resulting in more profits, higher tips for servers, and happier customers.  The level of credit security is enhanced for restaurant guests as they must authorize transactions via Face ID or Touch ID on their iPhones.

Not only can servers see customers’ payments immediately, but customers can review their bills on their iPhones.  And, by customizing their Scan & Pay program, restaurants will have the option to collect customer feedback directly from their devices.

Never again will a customer be held up from making it to a scheduled meeting, theater show, movie, or any other after-meal planned event as a result of slow payment processing.

A high-volume restaurant owner in Las Vegas who has been using Scan & Pay said –

“We wanted a more efficient way for guests to pay.  Since using Scan & Pay, we have been able to offer a seamless payment experience, providing them with ‘wow!’ moments as they pay their bills and allows our business to turn more tables.”

Pitfalls from Traditional Restaurant Payment Processes

Let’s break down a typical restaurant experience for a group of sales reps and expose some of the pitfalls resulting from traditional payment solutions:

8:00 am – A small company begins its annual sales retreat for its entire sales staff. 

5:30 pm – After a long day of sales projections, profit and loss reports, graphs, charts, and training, the group disbands to change and freshen up. 

6:30 pm -The sales group reconvenes at an upscale steakhouse for dinner and drinks.

8:30 pm – One of the sales reps suggests that their group attend a comedy show only a 10-minute walk from the restaurant.  There are seats available, and the laughter promptly starts at 10 pm, with the doors closing 15 minutes before the start time.  Everyone agrees that the show is a great idea.

9:10 pm – After an excellent dining experience and much comradery, the VP of Sales offers to cover the cost of the meal and asks the server for a bill.

9:20 pm – The server delivers the bill to the table.

Having agreed with the invoice, the VP is ready to send it, along with a credit card, back to the server to finalize the transaction.  The restaurant, now bustling since the sales group's arrival, is cause for the server to be overwhelmed with customers.

9:30 pm – Most of the group members head to the comedy venue, but several hang back with the VP.

9:35 pm – The server retrieves the VP’s credit card to finish the payment process.

9:45 pm – Finally, ten minutes later, the server returns to the table with a merchant receipt, a customer receipt, and the client’s credit card. 

The VP fills in the tip amount and adds it to the subtotal.  Every person that stayed back waiting for the server has since missed their opportunity to join the other group members at the comedy show.

The process of paying the bill took 35 minutes  – time that can never be re-captured.

Additionally, because the receipt that the VP filled got wet, the tip and grand total numbers were no longer legible, causing the server to guess at the final billing total.

The Take-aways for Scan & Pay:

  • Frees up servers to cover more tables and reduces the labor required to manage guest billing.
  • More revenue per shift, more tips for servers.
  • More secure than cash – clients get notified once their bill is paid.
  • Guests pay at their convenience, from their table. No credit card, no waiting, no stress.
  • No more bill entry mistakes resulting from non-legible receipts.
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Whether you are a restaurant owner or customer, get ready for the ‘WOW Factor’ to Dine ‘n Dash with Scan & Pay! Contact us to learn more!