• COVID-19 Resources

  • This page is to support our local businesses with the ever changing information and to provide resources to help them manage the COVID-19 business disruption.  If you find any information you believe to be outdated or incorrect please contact Cindy Allston, cindy@bloomingdalechamber.com.  The postings below are emails sent out to our members.  It is also helpful to review the monthly newsletter: Bloomingdale Business Bulletin which also includes articles about COVID-19, Grants and Recovery.  There is an index to help you find what you are looking for. 

    Chambers All-In For Economic Recovery

    2/25/2022 - Unemployment Insurance Trust Fund

    SBA’s Stephen Konkle on PPP forgiveness under $50,000 recorded webinar and Slides. Originally aired November 6, 2020


    Posted May 13, 2021

    Below is information shared with me from Representative Seth Lewis and the Illinois Department of Commerce and Economic Development.  Webinars are happening today.

    In the Bloomingdale Business Bulletin there were several Legislative issues being brought before you to help businesses recover.  Please read about them and help the Chamber stress the importance of these bills to pass.  The Chamber is advocating for you, working with our elected officials to have new legislation brought to vote.  We need you to complete the witness slips in order to get these bills passed.  Your elected officials, no matter what district, really look at these slips to see what their constituents want.  Your voice can only be heard if you express it.

    BIG Legislation (SB1982 & HB1860) and R.I.S.E. Act (SB2490 & HB 801)
    Chambers All In for Economic Recovery Platform and Form Letter
    Find Your Representative for House or Senate

    1.       Grant Opportunity: Illinois Small Business Community Navigators Program

    The Small Business Community Navigators Program will be executed through a hub-and-spoke model, where DCEO partners directly with larger grantees (“hubs”) that then bring on board smaller local, community-based organizations (“spokes”) to provide direct one-on-one support to targeted businesses. Community navigator services will play an important role in providing technical assistance to disadvantaged businesses seeking to benefit from federal relief efforts. DCEO will issue up to 15 grants totaling up to $10 million to organizations that collectively cover every part of the state. Applications are due June 9thApply HERE.
    Upcoming webinars to learn about the application process:
            2021 Illinois Small Business Community Navigators Program NOFO Informational WebinarThursday, May 13, 2021 2:30 pm
            2021 Illinois Small Business Community Navigators Program NOFO Informational WebinarFriday, May 14, 2021 10:00 am

    1. SBA’s Restaurant Revitalization Fund
      • The American Rescue Plan Act established the Restaurant Revitalization Fund (RRF) to provide funding to help restaurants and other eligible businesses keep their doors open. This program will provide restaurants with funding equal to their pandemic-related revenue loss up to $10 million per business and no more than $5 million per physical location. Recipients are not required to repay the funding. Learn more HERE.
      • Money is going fast for this federal opportunity. DCEO will be hosting a webinar with the SBA on Friday, May 14th. Click HERE to register.

     3.    Illinois Economic Development Week 2021Join DCEO and our partners for a series of IEDW 2021 webinars! Learn from state, local, and industry economic development professionals and hear about the best practices, lessons learned, and strategies for success around driving economic development. Click the links below to sign up or share with constituents.

    The Chamber welcomes your feedback.  Please share your stories, as they help personalize the issues and motivate people to act. 

    Posted February 2, 2021

    The Illinois Department of Health announced that DuPage County can move to Phase 4 starting Wednesday, February 3, 2021. 

    Daily Herald Article announcement

    Phase 4 guidelines are below.  

    While I have your attention - Coupon Corner goes out Thursday. Get your coupons up by Wednesday at noon to be included in the email blast on Thursday going to over 2300 subscribers, and postings to several neighborhood Facebook groups.  If you need help, reach out to  the Chamber: info@bloomingdalechamber.com.  February is Valentine's Day month, add a special Valentine promotion.

    Phase 4 Guidelines per Restore Illinois

    Gatherings: All gatherings of 50 people or fewer are allowed with this limit subject to change based on latest data & guidance

    Travel: Travel should follow IDPH and CDC approved guidance

    Health care: All health care providers are open

    Education and child care: P-12 schools, higher education, all summer programs, and child care open with IDPH approved safety guidance

    Outdoor recreation: All outdoor recreation allowed


    • Manufacturing: All manufacturing open with IDPH approved safety guidance
    • “Non-essential” businesses: All employees return to work with IDPH approved safety guidance; Employers are encouraged to provide accommodations for COVID-19-vulnerable employees
    • Bars and restaurants: Open with capacity limits and IDPH approved safety guidance
    • Personal care services and health clubs: All barbershops, salons, spas and health and fitness clubs open with capacity limits and IDPH approved safety guidance
    • Entertainment: Cinema and theaters open with capacity limits and IDPH approved safety guidance
    • Retail: Open with capacity limits and IDPH approved safety guidance


    To prepare businesses and employers to implement new and updated safety guidelines in Phase 4, the State of Illinois has developed this business toolkit complete with signage, posters, and other resources to ensure business and activities are conducted in accordance with the latest public health recommendations. Visit the DCEO COVID-19 Phase 4 Page for further business specific details.


    Post-pandemic: Vaccine, effective and widely available treatment, or the elimination of new cases over a sustained period of time through herd immunity or other factors.


    IDPH will closely monitor data and receive on-the-ground feedback from local health departments and regional healthcare councils and will recommend moving back to the previous phase based on the following factors:

    • Sustained rise in positivity rate
    • Sustained increase in hospital admissions for COVID-19 like illness
    • Reduction in hospital capacity threatening surge capabilities
    • Significant outbreak in the region that threatens the health of the region

    It is important not to lose this opportunity.   Continue to be vigilant with your hand and surface washing.  Keep socially distant and enforce these precautions with your staff and customers.  

    Masks ON Businesses OPEN.

    December 21, 2020

    The COVID relief bill is waiting for the President's signature.  
    View the summary of the details here.
    View the complete 5593 page bill here.

    The relief package includes a $300 per week jobless benefit, and direct stimulus check of $600 to most Americans who should see the checks deposited in their bank accounts as early as next week and relief to renters facing evictions. The package includes funds for businesses, schools and health care providers. 

    The new law overturns the IRS ruling and provides that regular business expenses paid for with PPP loan proceeds shall be deductible for tax purposes (applies to past and future loans.)
    Thank you to all of you who helped voice this need to your local representatives. 

    The PPP2 loans will be available to first-time qualified borrowers, and for the first time, to businesses that previously received a PPP loan.  Specifically, previous PPP recipients may apply for another loan of up to $2 million, provided they: have 300 or fewer employees, have used or will use the full amount of their first PPP loan ;and can show a 25% gross revenue decline in any 2020 quarter compared with the same quarter in 2019. 

    PPP2 will also permit first-time borrowers from the following groups: businesses with 500 or fewer employees that are eligible for other SBA7(a) loans; sole proprietors; independent contractors; self-employed individuals; and not-for-profits including churches. 

    It was not as much as the Democrats wanted but it is a "down payment" for more relief coming in 2021. Aid of local governments and the corporate liability shields did not make it into this package.

    What happens next?  The Small Business Administration and the Treasury have to update the application with the changes and make available to the banks.  Like the first PPP, you will apply for this PPP2 through your local banker.

    As more information and clarification becomes available the Chamber will share that information. All COVID related emails can be found on the Chamber's website under Business Resources for COVID-19. 

    Other resources:
    US Chamber of Commerce Guide Small Business COVID 19 Emergency Loans
    Wall Street Journal

    Have a wonder holiday.  May this gift from the Government help you and your business. I continue to participate in webinars, if you have questions, please let me know and I can help you find the answers.


    Posted November 19, 2020,

    Contact Information: Joan Olson (630) 407-6015 or Evan Shields (630) 407-6022

    Tuesday, November 17, 2020

    DuPage County Allocates $2.5 Million to Help Struggling Bars, Restaurants

    During a special call meeting Tuesday, the DuPage County Board approved $2.5 million in additional CARES Act funds to help bars and restaurants that are financially struggling due to the mitigation measures ordered by the State of Illinois.

    On Oct. 23, as part of the State’s COVID-19 mitigation strategy, Governor J.B. Pritzker announced restrictions on bars and restaurants in Region 8, which includes DuPage County. The order banned indoor dining and bar services and restricted the capacity allowed for indoor events and gatherings. Further restrictions put in place on Nov. 11 reduced seating capacity at outdoor tables from 10 to six people.

    “We understand the severity and the danger associated with this virus, but we also understand the negative economic impacts these orders will have on our businesses. We are dedicating millions to provide relief to local businesses while we continue to fight the spread of COVID-19 in our communities,” said DuPage County Chairman Dan Cronin.

    The $2.5 million will be disbursed through the Reinvest DuPage program. Launched by the County in May, the Reinvest DuPage program has provided $21 million in funds for small businesses to help sustain the local economy. Interested businesses may apply for assistance beginning Wednesday morning at the Choose DuPage online portal.

    Eligible establishments must be located within the geographic boundaries of DuPage County, derive more than 50 percent of their revenue from the sale of food or liquor, and demonstrate an annual revenue of less than $4 million. The maximum amount any applicant may receive is $15,000. Restaurants and bars must also be in compliance with the Governor’s executive orders to be eligible to receive funding.

    Choose DuPage will continue to administer the program, and the application portal will open at 8 a.m. Wednesday, Nov. 18. For more information about the Reinvest DuPage program or information about how to apply, please contact Choose DuPage at (630) 955-2090 or visit www.choosedupage.com.

    Posted October 26, 2020,

    At its meeting this morning, the DuPage County Board approved a resolution authorizing $2.5 million in additional funds for a new phase of the DuPage County Small Business Grant Relief Program designated for Restaurants and Food Establishments in DuPage County. Under this new phase, restaurants and food service establishments in DuPage who have less than $4 million in annual gross revenue and meet the criteria and qualifications outlined below, will be eligible to apply for Covid-19 relief funds up to $15,000 to cover business and operational expenses.

    The portal will open at 1:30 p.m. CST today, October 27, to apply. Applications will be accepted on a first-come, first- served basis. You can click the link below for more information and to apply at https://www.choosedupage.com/reinvest-dupage/.

    Posted October 20, 2020

    DuPage County Moves Back to Phase 3, Restaurant Employees Support, Local Grants, and Chamber Support

    Multiple important topics to share with you today; DuPage moving to Phase 3, Help for Restaurant Employees, Local DuPage Grants, and Chamber Support.  Please read to the end.

    At the Governor's press conference this afternoon, he announced the roll back of restrictions starting Friday, October 23rd for DuPage, Kane, Will and Kankakee counties until there are three consecutive days of positivity rates at 6.5% or less.

    Phase 3 Includes the following:
    Bar & Restaurants

    • All bars and restaurants close at 11pm and may reopen no earlier than 6 am the following day
    • No indoor service
    • All bar and restaurant patrons should be seated at tables outside
    • No ordering, seating or congregating at bar (bar stools should be removed)
    • Tables should be 6 feet apart
    • No dancing or standing indoors
    • Reservations required for each party
    • No seating of multiple parties at one table

    Meeting, social events and gatherings (including weddings, funerals, potlucks, etc.)

    • Limit to lesser or 25 guests or 25% of overall room capacity both indoors and outdoors
    • No party buses
    • Gaming and Casinos close at 11 pm, are limited to 25% capacity, and follow mitigations for bars and restaurants, if applicable

    Nothing changes for schools, which set their own rules under broad state guidelines

    View the details for the Tier One Mitigation Plan.

    Please share this information with your employees:

    Illinois Restaurant Association regarding the Restaurant Employee Relief Fund, a program of the Illinois Restaurant Association Educational Foundation. This program provides one-time grants of $500 to support restaurant employees facing an unforeseen hardship due to Covid-19. For more information and to apply, please visit https://www.illinoisrestaurants.org/page/ReliefFundApplication

    Local Grants and Resources:

    To learn about the latest grants and resources available for the DuPage Business Community, businesses are encouraged to visit the DuPage County Business Toolkit at www.choosedupage.com

    Restaurants Take Out Options
    The Chamber has a link to all restaurants who offer Take Out. This list was created in the early weeks of COVID-19, things may have changed. If you are not on the list and wish to be, contact Cindy Allston: cindy@bloomingdalechamber.com.  This link will be shared in social media.  

    Coupon Corner Drives Customers to Your Business
    Remember to use the Coupon Corner to help bring customers to your establishment.  You can create a coupon at anytime.  The link to the coupons are emailed out monthly on the first Thursday of the month, but residents can access the coupons all month long, anywhere they can access to our website. Create your coupon on the Chamber website under Members> Post a Hot Deals.

    Market to new Audiences on the Facebook Group Bloomingdale Strong
    This group was created in March to allow businesses to post, unlike other neighborhood site which have restrictions. The site has grown to over 800.  You can post once a day about your business, your specials, the measures you are taking to keep your customers save.  Join Bloomingdale Strong, and share the group with your followers.

    I'm sorry to share this upsetting news.  We have to work together to get COVID-19 under control.  I'm always open to your feedback and ideas how the Chamber can support you. Bloomingdale is Strong and Supportive!

    Posted October 16, 2020

    Comcast Grant for Minority Owned Business

    Recently, small businesses have been dealing with the ongoing impact of the pandemic, social unrest and environmental events. Black-owned businesses have been some of the hardest hit.  According to the National Bureau of Economic Research, between February and April 2020, the number of active Black-own businesses declined by 41%, Latinx-owned businesses declined by 32% and Asian-owned businesses dropped by 25%, versus just 21% for the general population. Comcast RISE was created to invest in the success of these critical businesses by providing valuable and practical support. 

    The Comcast RISE program which stands for Representation, Investment, Strength and Empowerment, will initially be available for Black business owners. Beginning November 28, 2020 all Black, Indigenous, and People of Color (BIPOC) business owners will be eligible to apply for Comcast RISE.

    Selected businesses could receive one or more of the following services through Effectv, the advertising sales division of Comcast, and Comcast Business, a leading provider of technology for businesses of all sizes.

    Areas the grant will cover include Consulting, Media, Creative Production, Technology Makeover, and Monetary Grant.  Visit  http://www.ComcastRISE.com for more information on eligibility requirements, and latest updates. 

    Posted September 23, 2020

    BIG Support for Small Business

    The Business Interruption Grant (BIG) program is multi-million program developed by Governor Pritzker and the Illinois General Assembly to provide economic relief for small businesses hit hardest by COVID-19.BIG leverages federal funding provided by the CARES Act to help offset COVID-19 related losses for Illinois small businesses. Funding may be used to help businesses with working capital expenses, including payroll costs; rent; utilities; and other operational costs.

    Applications for a second round of funding are now being accepted and can be found here. A total of $220 million will be made available for small businesses of all types in Illinois. Grants will be awarded and funded on a rolling basis until funding is depleted. The grant size will be equivalent to two months of expenses.

    The BIG program is open to all eligible businesses (for profit and nonprofit) with $20 million or less in annual revenue in 2019 and experienced losses due to COVID-19. Of the total funding, $70 million will be invested in Disproportionately Impacted Areas (DIAs) and $60 million in heavily impacted industries. A map of the DIAs and the eligibility guidelines can be found on our website. The heavily impacted industries are defined as having annual revenues of $10 million or less and have been close or operating at a very diminished capacity since mid-March and are likely to continue to do so until Phase 5 of the Restore Illinois Plan. These industries include the following:

    • Event spaces
    • Music venues
    • Performing arts venues
    • Indoor recreation
    • Amusement parks
    • Movie theaters
    • Museums
    • Charter/shuttle buses

    DCEO will be hosting webinars regarding this program. You can register for the webinars by using the links below:

    Event: Northeast Region Business Interruption Grant Webinar
    Date and time: Friday, September 25, 2020 2:00 p
    Event address: https://illinois.webex.com/illinois/onstage/g.php?MTID=eae4c803e69f3132138ed9c902bf20d0e

    Event: Northeast Region Business Interruption Grant Webinar
    Date and Time: Monday, September 28, 2020 2:00 pm
    Event Address: https://illinois.webex.com/illinois/onstage/g.php?MTID=eb5ae540f4ac73d79af6b0fcdc96cd4fa

    Event: Northeast Region Business Interruption Grant Webinar
    Date and time: Wednesday, September 30, 2020 3:00 pm
    Event address: https://illinois.webex.com/illinois/onstage/g.php?MTID=e1b28c578db7ed2236ac96f8a0a0def37

    For more information, please contact Joe McKeown @ joseph.mckeown@illinois.gov

    Posted June 22, 2020

    Phase 4 on target to start Friday, June 26th

    Are you ready for Phase 4?  Read up on the guidelines set by the Governor's Office. 

    Publicize your reopening on the Facebook Group Bloomingdale Strong. I would love to see live video of your business up on Bloomingdale Strong celebrating your reopening! Share what precautions your are taking to unsure the safety of your employees and customers.  You won't lose customers by being too safe, but you may lose customers if you don't take safety seriously. 

    Posted June 12, 2020

    DuPage Small Business Relief Grant Program re-open for applications

    The program initially launched on May 18, and is now re-open for applications.

    In an effort to assist small businesses and independent contractors impacted by COVID-19, DuPage County in conjunction with Choose DuPage is providing grants to use for employee retention payroll, utilities, and rent.


    Small businesses with fewer than 15 full-time employees and less than $1.5 million in annual revenue may apply for a grant up to $15,000.
    Independent contractors with more than 50% of their annual income coming from 1099 work, and an annual income of less than $100,000 may apply for a grant up to $7,500.
    Businesses and contractors that have received other funds intended for COVID-19 relief (i.e. PPP, EIDL) are not eligible.


    For additional information, click here to visit our website

    Posted June 5, 2020

    Paycheck Protection Flexibility Bill

    The U.S. Senate by unanimous passed the Paycheck Protection Flexibility Act tripling the time allotted for small businesses to spend their funds and still qualify for loan forgiveness.  A key provision the amount of PPP funds required to spend on payroll was lowered to 60%. June 30th remains the deadline to apply for PPP.  (This does not include 501c6 organizations.)  The President is expected to sign the act.

    The bill:

    • PPP borrowers can choose to extend the eight-week period to 24 weeks, or they can keep the original eight-week period.
    • Payroll expenditure requirement drops to 60% from 75% but is now a cliff, meaning that borrowers must spend at least 60% on payroll or none of the loan will be forgiven.
    • Borrowers can use the 24-week period to restore their workforce levels and wages to the pre-pandemic levels required for full forgiveness. This must be done by Dec. 31, a change from the previous deadline of June 30.
    • The legislation includes two new exceptions allowing borrowers to achieve full PPP loan forgiveness even if they don’t fully restore their workforce. First, as previously allowed, borrowers can exclude employees who turned down good faith offers to be rehired at the same hours and wages as before the pandemic in calculations. Second, the new bill allows borrowers to adjust because they could not find qualified employees or were unable to restore business operations to Feb. 15, 2020, levels due to COVID-19 related operating restrictions.
    • Borrowers now have five years to repay the loan instead of two. The interest rate remains at 1%.
    • The bill allows businesses that took a PPP loan to also delay payment of their payroll taxes, which was prohibited under the CARES Act.

    Employers can grant paid leave for COVID-19

    COVID Tax Tip 2020-63 , May 28, 2020

    Under the Families First Coronavirus Response Act, employers can grant paid leave for an employee to take care of their health needs related to COVID -19 or to care for their family members. This relief helps ensure employees are not forced to choose between being paid or staying home to care for themselves, a child or other family member.

    In addition to the relief for employees, businesses can claim two new refundable payroll tax credits for granting paid leave to their employees. The paid sick leave credit and paid family leave credit are available for eligible employers who pay qualified sick leave wages and/or qualified family leave wages from April 1, 2020 through December 31, 2020, and who have fewer than 500 employees.

    The paid sick leave credit and the paid family leave credit will immediately and fully reimburse employers for the cost of providing COVID-19 related leave to their employees.

    Learn more: https://www.irs.gov/newsroom/employers-can-grant-paid-leave-for-covid-19

    Posted May 21, 2020

    Starting May 29th, Restaurants will be allowed to open outdoor seating, with restrictions. View the Bloomingdale Outdoor Seating Guide for Restaurants for more information.

    Posted May 12, 2020

    DuPage County Launches Reinvest DuPage

    DuPage County announced Tuesday it will launch Reinvest DuPage, a grant relief program developed in partnership with Choose DuPage for small businesses and independent contractors. The program will provide grants to sustain some businesses impacted by COVID-19.

    DuPage County will fund this initial program with $7 million in monies received under the federal CARES Act. Choose DuPage will administer the plan with support from DuPage County and local banking and financial experts.

    “We are well aware of the devastating impact the COVID-19 pandemic has had on our small business community,” said County Board Chairman Dan Cronin. “We believe establishing this small business relief program will sustain some businesses until they can safely reopen.”

    The program will provide grants of up to $15,000 for DuPage County-based businesses with fewer than 15 full-time employees and less than $1.5 million in annual revenues. Monies received under the program may be used for payroll, rent, mortgage payments, utilities, and other expenses necessary to maintain operations. A 1099 contractor whose annual income is less than $100,000 can also receive relief through the program.

    Recipients may not have received assistance from either the federal Paycheck Protection Program, the Economic Injury Disaster Loan, any state hospitality grant, or any local loan or grant program.

    Choose DuPage will hold a webinar at 11 a.m. May 15 to discuss the program with DuPage businesses. Registration for the webinar will be provided at www.choosedupage.com and Choose DuPage will promote the program via social media and an email outreach campaign.

    The online-only application portal is expected to launch at 9 a.m. May 18.

    View the Press Release Here.

    Posted May 6, 2020

    The Bloomingdale Chamber along with neighboring Chambers are working on a list of businesses who can provide PPE, hand sanitizers, and cleaning products.  If you can provide these, please contact me at cindy@BloomingdaleChamber.com.  This list will eventually be shared with all members to help you prepare for reopening.
    Restore Illinois
    Governor Pritzker unveiled the Restore Illinois plan, phases and regions. We are currently in Phase 2: Non-essential retail store re-open for curb-side pickup and delivery; Illinoisans are directed to wear face coverings when in public.  We will be in this phase until at least May 29 when the State can reevaluate.  Each phase will last 28 days between reevaluating.   The State will be looking at the number of new cases, testing and number of hospital beds available.  Bloomingdale is in the Northeast Region along with Cook County and Chicago. DuPage County mayors and managers are working to get DuPage out of the Northeast Region.  For now,  Bloomingdale will continue to follow the planned phases as directed by the State.

    Please email me at cindy@bloomingdalechamber.com if your OPEN status has changed so I can update our website list.  Provide one line of how you are open, for example curbside pickup only, restricting number of customers in the store , at risk hours are: etc.

    You can review the Restore Illinois Plan documents here:
    Restore Illinois – A Public Health Approach to Safely Reopen Our State
    Restore Illinois Phases
    Restore Illinois Health Regions
    Illinois Department of Public Health metrics 
    Paycheck Protection Program Loans FAQ
    There have been many questions about the PPP. There is an updated list of the FAQ which can be found HERE.  If you have questions, I encourage your review this list and contact the bank which granted you the loan.  There are still details about reporting which have to be addressed. 

    The two I hear the most is:

    Question: Will a borrower’s PPP loan forgiveness amount (pursuant to section 1106 of the CARES Act and SBA’s implementing rules and guidance) be reduced if the borrower laid off an employee, offered to rehire the same employee, but the employee declined the offer?

    Answer: No. As an exercise of the Administrator’s and the Secretary’s authority under Section 1106(d)(6) of the CARES Act to prescribe regulations granting de minimis exemptions from the Act’s limits on loan forgiveness, SBA and Treasury intend to issue an interim final rule excluding laid-off employees whom the borrower offered to rehire (for the same salary/wages and same number of hours) from the CARES Act’s loan forgiveness reduction calculation. The interim final rule will specify that, to qualify for this exception, the borrower must have made a good faith, written offer of rehire, and the employee’s rejection of that offer must be documented by the borrower. Employees and employers should be aware that employees who reject offers of re-employment may forfeit eligibility for continued unemployment compensation.
    Question: The amount of forgiveness of a PPP loan depends on the borrower’s payroll costs over an eight-week period; when does that eight-week period begin?

    Answer: The eight-week period begins on the date the lender makes the first disbursement of the PPP loan to the borrower. The lender must make the first disbursement of the loan no later than ten calendar days from the date of loan approval.

    Facebook Business Grant Opportunity

    Facebook is giving away $100 million to up to 30,000 eligible businesses across 30 countries where they operate. To be eligible to apply your business must:

    • Have between 2-50 employees
    • Have been in business for over year
    • Have experienced challenges from COVID-19
    • Be in or near a location where Facebook operates

    For more information visit Facebook Grant Program.

    Posted April 29, 2020

    WorkNet grants helps essential businesses to stay open

    The Department of Commerce & Economic Opportunity has made some funds available for your local WorkNet offices throughout Illinois to prevent essential, small businesses from laying off or furloughing employees. They are looking for businesses for whom these potential grant dollars would make the difference between keeping workers on or having to layoff/furlough. Here are some sample scenarios that qualifying businesses (“essential” per the Governor’s order and “small” by the SBA’s definition) can apply to cover—

    • A small business needs their employees to be at work, on‐site, but cannot afford frequent deep cleaning to help prevent potential exposure to COVID‐19. Layoff aversion funds could be used to pay for a cleaning/sanitization service.
    • A small business whose employees use specific software or computer applications asks their employees to work from home/remotely in order to support social distancing and limit potential exposure to COVID‐19. Layoff aversion funding could be used to purchase the software programs and/or hardware (computers) that the employee would need to use from home to support their work.
    • A call center environment needs to have their employees work from home/remotely in order to support social distancing and limit potential exposure to COVID‐19. Layoff aversion funding could be used to purchase remote access supplies, including laptop computers and/or smart phones, that the employee would need to use from home to support their work.
    • In order to support social distancing and limit potential exposure to COVID‐19, a company that usually runs two shifts of workers adds a third shift, so that fewer employees are on onsite at any given time. Layoff aversion funding could be used to offset related costs to the employer or workers, excluding wages and benefits.
    • Incumbent worker training to redirect and reassign existing employees on critical business needs. Layoff aversion funding can help pay for projects to support the production of goods and services that are needed to address COVID‐19 National Health Emergency and/or preserve critical business operations to stay in business.

    Please note that this list is not all inclusive. Employee payroll and benefits cannot, however, be covered through this funding opportunity. Upcoming costs as well as expenses incurred already since the start of the Governor’s stay-at-home order (March 20) can be reimbursed through this grant. The amount that can be awarded per company is $5,000-$50,000.  What expenses did you incurred to stay open? Be creative.  It is such a short easy application, I encourage you to try, and please let me know how it goes.
    There is a very brief application document that companies in need should complete and submit to your local WorkNet office by close of business Wednesday, May 6.  We are looking for companies for which this type of funding will truly be a game changer!
    The key to keep in mind is the money is going to the local workforce areas.  The chambers / businesses interested in receiving assistance must connect with their respective local workforce area.  Send your application to Lisa Schvach at LSchvach@worknetdupage.org by May 6th!

    Posted April 24, 2020

    Stay At Home Order updates, changes to which businesses can open & Retail to Go

    Yes, it was disappointing the Executive Order to Stay At Home was extended through May, however there were some positive changes.  Let’s build upon those.  

    With new essential businesses opening and non-essential retail able to place orders for deliver and pick up, more stores are able to partially open.  The launch of the COUPON CORNER on Thursday is perfectly timed.  Get your coupon loaded to be included in Thursday's email by completing the Google Form.

    Businesses who are open, let’s celebrate with Retail To Go by going LIVE on Facebook May 1st on the Bloomingdale Strong Facebook Group.  Let’s fill the page with businesses who are open, giving tours of their store, highlighting deals, explaining the precautions being taken to ensure the products they deliver are safe. Have fun with it! Celebrate this small victory. Let’s see who can be the most creative and receive the most likes on Facebook.  Whoever has the most likes on their LIVE stream on the Bloomingdale Strong Facebook Group will receive a free Eblast from the Chamber. Likes will be counted May 1st at 5:00 pm.

    Read below for the updates on the extension.  

    Face Coverings
    Beginning on May, individuals will be required to wear a face-covering or mask when in a public place where six feet of social distancing can’t be maintain and in public indoor spaces, including stores.  This new requirement applies to all individuals over the age of two who are able to medically tolerate a face-covering or mask.
    New Essential Businesses
    Greenhouses, garden centers and nurseries may re-open as essential businesses, as can animal grooming businesses.  Social distancing requirements must be maintained and both employees and their customers are required to wear a face-covering.
    Non-Essential Retail
    Retail store not currently designated as essential businesses may re-open to fulfill telephone on online orders through pick-up outside the store and for delivery.

    Essential Businesses and Manufacturing
    Essential businesses and manufacturers will be required to provide face-coverings to all employees who are unable to maintain six feet of social distancing, along with following new requirements that maximize social distancing and prioritize the well-being of employees and customers, including occupancy limits and precautions such as staggered shifts and operation of only essential lines for manufacturers.
    While to closed, educational institutions may allow and establish procedures for pick-up pf necessary supplies or student belongings.  Resident hall move-outs must follow public health guidelines, including social distancing.
    Health Care
    The Illinois Department of Public Health (IDPH) also will be issuing guidelines to surgi-centers and hospitals to allow for certain elective surgeries for non-life-threatening conditions, starting on May 1.  Facilities will need to comply with certain criteria, including proper Personal Protective Equipment (PPE), testing of elective surgery patients to ensure COVID-19 negative status and ensuring enough overall space remains available for COVID-19 patients.
    Outdoor Recreation
    State parks will begin a phased re-opening under the guidance of the Illinois Department of Natural Resources (IDNR).  Fishing and boating of no more than two people will be permitted.  Golfing will be permitted under strict safety guidelines provided by the Illinois Department of Commerce and Economic Opportunity (IDCEO) and when social distancing is ensured.
    Small Business PPP Relief Refunding
    The $484 billion in new federal relief funding includes $310 billion to replenish PPP—which exhausted $349 billion in Coronavirus Aid, Relief and Economic Stability (CARES) Act in only two weeks—$75 billion for hospitals, $25 billion for COVID-19 testing and additional monies for the SBA’s Economic Injury Disaster Loan (EIDL) Program.
    Congressional Democrats also are pushing for a fifth piece of legislation to provide federal relief to states and cities, and chambers of commerce, business and trade associations and other Internal Revenue Service (IRS)-designated 501(c)(6) not-for-profit organizations not eligible for PPP funding in the CARES Act or the newly-appropriated bill.



    Posted April 15, 2020

    Workers Comp Changes Due to COVID-19

    There are risks in bringing back employees to work, even on a part-time bases as it relates to workers compensation.  This week IL Workers Comp Board added all essential workers to be allowed to receive workers comp if they get COVID-19. Employers should to complete IL form 45, Employers First Report of Injury, if they suspect the employee may have COVID-19 and are considered an essential worker. Contact your insurance carrier to discuss these changes.

    Please read Attorney Justin Gaffney’s memo which explains this in more detail with links to more information. 

    Memo: Worker’s Compensation Changes due to COVID-19 Emergency Amendment to Section 9030.70

    Work Comp Commission Amendment

    Posted April 14, 2020

    Return to work responsibly

    Below is link to an informative document on what the U.

    S. Chamber and Illinois Chamber of Commerce is working on to help to responsibly reopen and rehire.  The document does not have the answers, but asked good questions and opens the discussion.  Use this to help you start working on a plan how your business can reopen while keeping your employees and customers safe.

    Though we do not have the answers yet, know that the Bloomingdale Chamber is working with the Illinois and U.S. Chambers of Commerce to help you open and are advocating for you.  Please read the memo and share your ideas and concerns so the Chambers can help you open safely and successfully.


    Posted April 2, 2020

    Small Business Loan Options

    There are various financial loan and grant options available to you and it can be confusing and overwhelming of which best fits your needs and  your eligibility.  There is much misinformation and the Federal Government is still working out the details of the CARES Paycheck Protection Program (PPP).

    Be aware of SCAMS as they come out in time of crisis.  Do not share your information with anyone promising to get you a loan fast.  Work with your financial institution directly.  Check the source of the sites you visit to apply on line.  Scammers are very clever of making their site look official.  Double check the website, for any slight misspelling or symbols.

    To prepare for the PPP application the U.S. Treasurer does have a PDF on-line.  Things are changing daily, and the Government may change this form, but it will help guide and prepare you for the application process.

    Since the details are still being worked out, you can gather the following list of documents to have ready once the application process opens.

    • Current organizational documents – articles of incorporation, bylaws, Board Resolutions for non-profits
    • IRS Form 941 for all four quarters of your 2019 payroll
    • Health insurance premium information for 2019
    • State and Local Payroll Taxes for 2019 assessed on the compensation of employees
    • Retirement Plan Contributions
    • Most recent profit and loss statement or financial statements
    • Most recent Mortgage Statement or Rent Statement (Lease)
    • Most recent Utility Bills (Electric, Gas, Telephone, Internet, Water, etc.)
    • Recent Tax Returns
    • Profit and Loss Statements
    • Balance Sheet
    • All 20% Owners must Sign
    • Addendum if any business owners own other businesses.

    Some of this may be more (or less) than needed but having these documents ready will help you navigate the application easier and speed up the process.  Throughout the process we would encourage you to work with your legal counsel.  First check with your current bank that has your business relationship for guidance.  Let your bank know you are interested in applying. They may have an application for you to complete on-line. 

    The following banks are members of the Chamber and are SBA Preferred lenders:

    BMO Harris
    Byline Bank
    Bloomingdale Bank and Trust
    Itasca Bank and Trust
    First American Bank & Trust
    Pan American Bank & Trust


    Small Business Loan Options



    Illinois Small Business Emergency Loan

    Paycheck Protection Program (Not final)

    Small Business Administration Economic Injury Disaster Loan (EIDL)

    Basic Eligibility

    Priority outside Chicago, <$3M rev., <50 employees, >500 credit

    National, <500 employees, no min. credit score

    Small Businesses as determined by the SBA: Standard Size Tool, <500 employees


    Oct-Dec 2019 average monthly revenues, up to $50K

    Two months of average monthly payroll costs from 2019 plus an additional 25% up to $10M

    $10K cash advance, up to $2M




    3.75% Small Business

    2.75% for non-profit



    No payment for 6 mo., fully amortized over 5 years

    No payment for 6 mo., fully amortized over 2 yrs

    Case by case up to 30 years


    • Up to $40M in loans (with $20M for reserves)
    • Used for working capital, of which 50% must be for compensation costs
    • Requires personal guarantee from borrower
    • Must have business license for at least one year before applying
    • Must provide zip codes of employees
    • For-profits only
    • Up to $349B in loans (with unlimited reserves)
    • Used for compensation costs, rent/mortgage interests, utilities
    • Does not require personal guarantee from borrower
    • Must have been in business before 2/15/20
    • No documentation on employees
    • For profits and 5013c nonprofits
    • Forgiveness for up to eight weeks of costs after the loan is made
    • Funds are limited and will go quickly
    • Work with local SBA Preferred lenders
    • Small business applications begin April 3rd, independent contractors, self-employed individuals can apply April 10th
    • $10K is forgivable if used for payroll, rent & utilities and if you retain your workforce.
    • If only retail partial workforce then loan/grant is prorated.
    • Funds are made available in 3 days
    • Apply on-line at sba.gov
    • You can apply for both the PPP and SBA loans but there can be no duplication of use of funds








    Posted March 28, 2020

    It can be overwhelming out there with the loans, grants and relief programs available.  Use this check list and guide to help you navigate through it all.

    US Chamber guide to Emergency Loans - Small Business Guide and Checklist

    Posted March 27, 2020

    This afternoon Congress passed the CARES Act.  Below are several links to provide you information to help you understand the new act.  

    CARES Act Press Release

    Calculate how much you’ll get from the $1,200 checks

    FAQ on Stimulus checks, unemployment and the Coronavirus Bill

    US Chamber of Commerce Summary of the CARES Act

    Please complete the Chamber survey to help us understand your needs and effects from COVID-19: COVID-19 Business Survey


    Posted March 25, 2020

    Gov. Pritzker Announces Income Tax Filing Extension, More than $90 Million in Small Business Aid

    Emergency Small Business Grants and Loans Assistance

    Child care for essential workers is being assembled across Illinois, and the process will take some time to unfold.  Hotline: 888-228-1146.   More information is available online for parents seeking care, for providers wishing to reopen as part of that network, and for qualified volunteers looking to help.  Visit: https://www2.illinois.gov/sites/…/Pages/For-Communities.aspx.

    Posted March 23, 2020

    Illinois Chamber of Commerce and the Small Business Administration conference call

    I participated in a conference call today with the Illinois Chamber of Commerce and Small Business Administration and I have additional information to share with you and also gather from you. SBA is a national organization.  Below is additional information about Illinois Small Business COVID-19 Relief Program.

    Links to more information:

    Three Step Process SBA Disaster Loan

    Economic Injury Disaster Loans (EIDL) Small Business Training  

    Some Frequently Asked Questions to the SBA.  SBA loans are at 3.75% for small business and 2.75% for non-profits 501c3s.

    1. The terms are 30 years with the first payment moved from 4 months to 12 months out.
    2. Check the EIDL Small Business Training link above for those who are eligible or the SBA Website
    3. Businesses still have to quality for a loan.  SBA will look at the business’ ability to pay back the loan.
    4. SBA will pull personal credit reports, so check your credit reports to make sure nothing derogatory is on it and correct it.
    5. If asking for more than $25,000, SBA will look for collateral.
    6. The on-line system is running slow, please be patient. SBA is working on increasing capacity.
    7. The 2-million-dollar cap is based on individual, therefore if you own more than one business you may only apply for 2 million total between all businesses owned.
    8. Basic filing requirements ask for tax information for any owner of 20% or more of the business. If you haven’t filed 2019, then submit 2018 with the P&L for 2019.
    9. Applications are based on first in first out.  At this time there is no limit on the amount of funds available.
    10. There are other local and state programs in place (See Tom Cullerton’s note below). If you apply to another program it should not hurt your chances in being accepted by the SBA. If you decline the SBA loan and choose a local option, it will not count against you.
    11. Anticipated time from application to decision is 21 days, then loan closing to disbursement in an additional 7-9 days. 

     You have additional questions regarding the SBA Disaster Loan Program?

    SBA is asking Chambers to submit questions gathered from their members as there are many duplicate questions and we can save time by submitted them together. Submit your questions to cindy@bloomingdalechamber.com with a subject like of SBA Question.I will submit these at 4:00 pm Tuesday, March 24th.Once I receive answers, I will send them out to all members.


    From Senator Tom Cullerton’s Office

    Please see information from the Illinois Treasurer’s Office on the small business loan program from their office. Please do not hesitate to contact me with any questions or refer businesses to our office at 217.782.9463. Thank you for all you are doing to help our businesses during this unprecedented time. 

    We wanted to let you know about a small business loan program the State Treasurer's Office is launching in partnership with Illinois financial institutions to assist small businesses and non-profits impacted by the COVID-19 pandemic.  Attached is a copy of the press release that was issued today and a two-page flyer describing the program, which is also summarized below.

     Business Invest -- Illinois Small Business COVID-19 Relief Program

    This is an impact investment loan program under which the State Treasurer would make up to $250 million in deposits available to financial institutions throughout the state, at near-zero rates, to assist Illinois small businesses and non-profits negatively affected by the COVID-19 pandemic.  The purpose of this program is to provide vital economic support to small businesses and non-profits to help overcome the loss of revenue they are experiencing.  Through this program, the Treasurer's Office would partner with approved financial institutions to provide loans -- either lower rate loans, or loans to a business or non-profit that would not otherwise qualify -- to Illinois small businesses impacted by the COVID-19 pandemic.

    • State funds would be deposited with qualified financial institutions for a 1-year term at a near-zero deposit rate of 0.01%
    • Deposited funds would facilitate affordable loans (not to exceed 4.75%) to small businesses and non-profits that could be used to provide bridge funding, pay fixed debts, payroll, accounts payable and other bills
    • Deposits could be drawn in $1 million or $5 million increments, up to a maximum of $25 million per financial institution
    • Eligible Illinois businesses or non-profits must (1) have been shut down or limited due to COVID-19; (2) have less than $1 million in liquid assets or $8 million average annual receipts (per SBA standards); and (3) be headquartered in the State of Illinois or agree to use the funds in Illinois
    • Deposits would be renewable as determined by the Treasurer’s Office
    • Financial institutions would be required to provide reports to the Treasurer's Office regarding the usage of program funds, including the number and types of loans provided to small businesses and non-profits and the economic impact of such loans

     For background, here is a link to the Treasurer's website that explains this program in greater detail:  bit.ly/SmallBizRelief.

    State Treasure to Make Low-Interest Bridge Loans for Businesses Available as Soon as This Week.


    Bloomingdale Chamber launches two new Facebook Groups

    Bloomingdale Area Business to Business is a group of just businesses sharing ideas and making connections and partnerships. This is open to any business in the area. Every business is struggling.  Together we can connect and form new partnerships to help each other through this disaster.


    Bloomingdale Strong is for businesses to connect with the general public.  Many neighborhood Facebook groups limit businesses being able to post information about their business. This is where you can share your specials, hours and anything else you are doing differently during the Shelter in Place.  Please share this group with your Facebook followers.  If all our members shared this group with their followers, think of the new audiences every member will be able to reach! Together we are Stronger!  The more businesses successful in Bloomingdale the more customers Bloomingdale will attract.


    Bloomingdale Open for Business

    During the Shelter in Place many businesses have different hours, or are offering different services.I’m gathering a list of all Bloomingdale Area Businesses and what hours and services or products they are offering.Please email Cindy@bloomingdalechamber.com with a subject line of Bloomingdale Business and include the following information:

    Name of Business:
    Hours open or taking orders:
    Phone or website where to take orders:
    What services/products you are offering:

    Please get this list to me by Tuesday, March 24 by 4:00 pm.This list will be published on our website with links on local Facebook pages – like the Bloomingdale Strong Group!


    Treasury, IRS and Labor announce plan to implement Coronavirus-related paid leave for workers and tax credits for small and midsize businesses

     March 20, 2020 the U.S. Treasury Department, Internal Revenue Service (IRS), and the U.S. Department of Labor (Labor) announced that small and midsize employers can begin taking advantage of two new refundable payroll tax credits, designed to immediately and fully reimburse them, dollar-for-dollar, for the cost of providing Coronavirus-related leave to their employees.

    The Act will help the United States combat and defeat COVID-19 by giving all American businesses with fewer than 500 employees funds to provide employees with paid leave, either for the employee's own health needs or to care for family members. The legislation will enable employers to keep their workers on their payrolls, while at the same time ensuring that workers are not forced to choose between their paychecks and the public health measures needed to combat the virus.

    The Bloomingdale Chamber of Commerce is here to help you through this crisis.  If you receive information you feel would be helpful to others, forward to me for sharing.  If you have any ideas of how to help each other or our community, please let me know.  I am open to your feedback.  I’ve had more member asking about eblasts.  I cannot offer all our members a free eblast at this time.  We have over 250 members, and no one wants me to be sending out 250 eblasts.  Share your information in the above resources – the Bloomingdale Open for Business list and the Facebook groups.  These are excellent ways to share information.  Now more than ever Social Media is our friend. 

    CARES ACT S3548

    The Bloomingdale Chamber is working with other local and Illinois State Chamber to advocate for you.  The S.3548 CARES Act includes a federal stimulus package and other programs has not yet been approved.  We are confident that a compromise will be found between the parties. We support the U.S. Chamber’s ongoing efforts on behalf of the business community and will continue to update you.


    Posted March 20, 2020

    Governor Pritzker Executive Order – March 20, 2020 – Shelter in Place


    You are not alone is this situation.  I created a new Facebook group for businesses to connect with other businesses.  It is open to any business in the area. Bloomingdale Area Business to Business.  Join and start sharing.

    To help you share with the community on what you are doing during the pandemic there is a Facebook group open to the public.  Bloomingdale Strong.
    Restaurants – Liquor Control Commission
    Village of Bloomingdale has granted permission for Bloomingdale businesses to sell liquor for off premise consumption until the dine-in ban is lifted. 

    Scam Alert
    Crisis also brings out the worst in people.  New inventive Scams have become popular, more sophisticated and bolder. Beware of fake employer emails to click on important information or to register for a telephonic seminar on COVID-19.  Just be careful before you open or click.
    U.S. Small Business Administration (SBA)
    News Release – March 19, 2020 – SBA Offers Disaster Assistance to Illinois Small Businesses Economically Impacted by the Coronavirus (COVID-19 )

    SPANISH - News Release – March 19, 2020 – SBA Offers Disaster Assistance to Illinois Small Businesses Economically Impacted by the Coronavirus (COVID-19 )  

    Frequently Asked Questions – Economic Injury Disaster Loans (EIDL)

    SBA EIDL Front Line Staff Information

    Disaster Business Loan Application

    SBA Disaster Assistance in Response to the Coronavirus

    SBA Webinar on EIDL
    Governor Pritzker Announces Series of New Measures to Help Illinoisans Affected by COVID-19 – March 19, 2020

    Posted March 18, 2020

    State of Illinois created a new website: Coronavirus (COVID-19) Response. 
    Always make sure you are getting your information from a trusted source.  This state site provides the latest News, Prevention, Preparation, FAQ, Resources and information on the virus itself.  Refer to it often for the most update correct information.


    Forefront COVID-19 Survey - Make Your Voice Heard

    Dear Forefront community,

    Forefront is gathering needed information from Illinois’ nonprofit organizations about the impact of COVID-19. Your participation and input are critical – please click the button below and complete our brief survey.

    Please fill out the survey by Thursday, March 19 at noon.

    Forefront will then aggregate and analyze responses. This will result in informed recommendations to be shared with Illinois elected officials and grantmaking organizations. Responses will be kept anonymous, but organizations have the option to share their information if they choose.

    Complete Survey HERE.

    Posted March 16, 2020

    From Senator Tom Cullerton:

    For any residents whose employment may be affected please have refer them to https://www2.illinois.gov/ides/Pages/COVID-19-and-Unemployment-Benefits.aspx. They may also reach Nick or Jenna in my office at 217.782.9463 or via email at covid19@senatortomcullerton.com.

     As always, we will continue to provide you with updated information as soon as we receive it. If you have any questions or concerns, please call me directly at 773.213.5461.

    Small Business Administration: 
    Click Here for a handout on disaster assistance resources.

    The link below will provide the business community with information on a SBA economic injury disaster loan program. https://www.sba.gov/page/guidance-businesses-employers-plan-respond-coronavirus-disease-2019-covid-19?utm_medium=email&utm_source=govdelivery

    Department of Commerce and Economic Opportunity (DCEO)
    DECO has just released a survey for small businesses that are affected by the COVID-19 virus.  Small business owners are being asked to help through your participation in the survey so our State leadership can best understand the impact COVID-19 on small businesses in Illinois.  Please complete this survey so our elected officials understand the full impact COVID-19 has had on your business.

    Families First Coronoavirus Response Act (HR 6201) 
    On the morning of Saturday, March 14, the House of Representatives passed HR 6201 to provide relief for families impacted by COVID-19, and the Senate is expected to take up the legislation as early as Monday, March 16. Here's what you need to know now:

    • The bill includes mandatory employer-provided emergency sick pay and emergency paid family leave for employers with fewer than 500 employees.
    • A credit will be provided to employers to reimburse 100% of the qualified sick leave wages as a credit against Employer Social Security Tax.
    • The bill will be effective within 15 days of the President’s signature, on a date determined by the Secretary of Treasury and does not currently contain any retroactive applicability.
    • ​The emergency sick pay and family leave requirements expire on 12/31/2020.
    • This bill is likely to have additional updates as it goes through Senate.

    You can find more details on HR 6201 and the emergency rule here.

    New Bill under development
    The US Chamber believes another bill is already under development that will be specifically targeted to address liquidity issues for small and medium sized businesses. There are three things they are asking for: 

    • Cutting payroll taxes;
    • Streamlining the process for accessing federal loans; and  
    • Additional measures from the fed and treasury to make more loans and loan guarantees available.

    The US Chamber is working closely with the federal administration and Congress to find additional measures to lessen the burden on companies of all sizes in dealing with the epidemic. 

    Illinois Department of Employment Security 
    Here in Illinois, as of last Friday, the Illinois Department of Employment Security (IDES) issued an emergency rule addressing unemployment eligibility. The issue of chargeability to an employer's experience rate is not addressed in the emergency rule and will likely need to be clarified through legislation. The Illinois Chamber and other business groups are pushing for such a change when the General Assembly returns to Springfield.

    Link may be helpful for employers.  
    Customizable Workplace Flyer (Please open this file in the latest version of Chrome or Edge browser, or Adobe software, to customize.)

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