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 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.
A small business having any number of employees where at least one, job is either retained by a low-moderate income employee, or created (in this case re-created) and available to low-moderate income persons. 
80% Area Median Income limits are as follows:

1 person HouseHold= $49,700 2  Person HH=$56,800 3 Person HH=$63,900 4 Person HH=$70,950 5 Person HH= $76,650 6 Person HH =$82,350    7 Person HH  =$88,000 8 Person HH=$93,700

A business with at least one employee (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) back within a reasonable period when normal business resumes. 

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 my nature.

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

. Businesses that have applied for other local, state or federal assistance.

. 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. Contact Information

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

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* 3. Is this 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 are full-time?

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* 10. How many employees have the following benefits:

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

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* 12. Do you anticipate future layoffs?

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* 13. 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. See chart below for reference.)

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* 14. What was your business annual income from your most recent tax return?

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

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

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* 17. Do any of your employees qualify as low- or moderate-income? 

Monthly Expenses

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* 18. Fixed Expenses - per month

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* 19. Variable Expenses - per month

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

Estimated Adverse Impact

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* 21. When did your business start declining?

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* 22. What were your business revenues during the affected damage period?

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* 23. What were your business revenues in the last two weeks?

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

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* 25. How many people did you employ prior to COVID-19?

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* 26. How many people do you currently employ?

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* 27. 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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* 28. Certifications

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