The City of Fitchburg has developed an emergency relief package for small businesses in jeopardy as a result of COVID-19 public safety measures. 

This program is funded through the Community Development Block Grant Program.  Certain eligibility criteria must be met in order to be eligible for this funding source. 

Eligibility:
Must be a Fitchburg business impacted by the COVID-19 public health and safety measures, including, but not limited to: restaurants, coffee shops, bars, entertainment, retail, salons, barber shops. 
Must be a for-profit business.
Must have documentable business income loss, including business income comparisons and narrative description of impacts. 
Must not have another source of funding assistance to pay for expenses submitted in this application.  (this is called duplication of benefits).
Must have BUSINESS mortgage/lease obligations. 
Must meet CDBG requirements by qualifying as either:
-A microenterprise business- meaning a business with five employees or less including the owner AND owner must earn a household annual income of equal to or less than 80% of the area median income.
 or
80% Area Median Income limits are as follows:

1 person Household= $47,850 2  Person HH=$54,650 3 Person HH=$61,500 4 Person HH=$68,300 5 Person HH= $73,800 6 Person HH =$79,250    7 Person HH  =$84,700 8 Person HH=$90,200

-A business with any number of employees greater than zero, (not including the business owner) where the employee(s) are in jeopardy of losing their job due to COVID-19 AND the business commits to either, retaining the employee(s) because of assistance or hires employee(s)within a reasonable period when normal business resumes.  Qualifying employees must have household incomes below 80% of AMI and/or new jobs must be made available to households below 80% of AMI.

The City of Fitchburg will give preference to:

· Businesses who have or will imminently have to lay off employees.

· Businesses with an existing loan with the City of Fitchburg’s small business program.

· Businesses that involve assembly or personal contact any nature.

. Businesses with a separate location (not home based).

. Businesses that have applied for other local, state or federal assistance and still need our assistance to cover costs.

. Businesses with high fixed expenses.

Assistance is in the form of a grant.  Grant will require repayment only if terms of grant agreement are not met.
The following industries are ineligible for funding:
  • Real Estate
  • Multi-Level Marketing
  • Adult Entertainment
  • Cannabis
  • Firearms
  • Social Clubs
Business Owner Information

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* 1. Business Owner Contact Information

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* 2. As business owner, do you also work in the business?

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* 3. Is this business income your only source of income?

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* 4. Please explain other sources of income.

Business Information

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* 5. Type of Business

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* 6. Address

Property Owner 

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* 7. Contact Information

Funding Criteria

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* 8. Prior to the COVID-19 restrictions, how many people did your business employ (including yourself)?

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* 9. How many employees were full-time?

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* 10. How many employees were part time?

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* 11. What are the average hours per week for part time employees, as of now?

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* 12. How many employees have the following benefits:

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* 13. Have you had to lay off any employees?

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* 14. Do you anticipate future layoffs?

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* 15. How many people do you currently employ, as of today?

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* 16. There are two categories of business that qualify for this assistance.  Your business can either be a:
-Microenterprise, where your household income is at or below 80% of the Area Median Income (AMI), you work at the business, and have no more than 4 additional employees or; 
- You will use these funds to either retain employees who have household incomes at or below 80% of Area Median Income (AMI) or you will create jobs available to employees with household incomes at or below 80% of AMI when business normalizes. 

Do you qualify as a Microenterprise business or for Job Retention/Creation?

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* 17. Using the chart above, are you a low- or moderate-income business owner?
(Moderate Income is defined as a household income of less than or equal to 80% of the Area Median Income (AMI), based on the number of persons in the household.

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* 18. What was your business annual income from your most recent tax return?  We understand it may be very different from than this year.

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* 19. What is your current household annual income? Please include income from all members of the household.

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* 20. How many people live in your household?  Household income questions help us determine if you qualify as a "microenterprise."

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* 21. Using the chart above, do any of your employees qualify as low- or moderate-income?

Monthly Expenses

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* 22. Fixed Expenses - per month

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* 23. Variable Expenses - use most recent month 

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* 24. What was your monthly gross revenue, on average, before this crisis?

Estimated Adverse Impact

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* 25. What is your monthly gross revenue, on average, now?

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* 26. Please provide a brief explanation of what adverse economic impacts COVID-19 has had on your business:

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* 27. Grant Request - please itemize your total grant need

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* 28. Have you received other business assistance funding (including grants and loans) for these itemized needs listed above?  If yes, please explain

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* 29. Have you applied for any other forms of assistance?  We strongly encourage you to apply for multiple forms of assistance in this uncertain time.

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* 30. Certifications

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