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12:30 pm- 3rd Tuesday of each month at Peppercorn's Restaurant- 25 East Marie Street, Hicksville. Meetings are held from October Through June. No General Meetings from July Through September


There is a LOT of information flying around everywhere regarding the current financial situation, and various loans and relief programs that are available to businesses of different sizes and situations. The below information is meant to hopefully provide some guidance for business owners who are or will be in need of financial assistance. I hope it helps!

Mike Ruvolo
President, Hicksville Chamber of Commerce

The following SBA link outlines the programs that are currently available:

For businesses that are seeking to attain loans and/or (especially) forgivable loans, the following two programs seem to be most applicable.

> Loan advance of up to $10,000 to provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.
> Working capital loans of up to $2 million.
> To apply for a COVID-19 Economic Injury Disaster Loan (STREAMLINED PROCESS) click here.

> Loans up to 2.5X the borrower’s average monthly payroll costs, not to exceed $10 million.
> A borrower is eligible for loan forgiveness equal to the amount the borrower spent on the following items during the 8-week period beginning on the date of the origination of the loan:
  • Payroll costs (using the same definition of payroll costs used to determine loan eligibility)
  • Interest on the mortgage obligation incurred in the ordinary course of business
  • Rent on a leasing agreement
  • Payments on utilities (electricity, gas, water, transportation, telephone, or internet)
  • For borrowers with tipped employees, additional wages paid to those employees
> When to apply?
  • Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
> Where to apply?
  • You can apply through any existing SBA 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.
> This is the link for the Paycheck Protection Program APPLICATION.*

NOTE: The government is now advising that because of high participation, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. The loan forgiveness cannot exceed the principal.

Ultimately the Paycheck Protection Program is being orchestrated by the Treasury Department.

> This website has an additional informative link regarding the Paycheck Protection Program.


Stay healthy, be safe!

*To fill out the PPP application electronically you will need Acrobat Reader (FREE DOWNLOAD).

                           COVID-19 CORONAVIRUS FAQ

                     Nassau County Department of Health

                                                                (click here to view PDF)



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Creative Resolutions Group, Inc.
Forest Hills Financial Group