Coronavirus (COVID-19)
Information and Resources

The Saratoga County Prosperity Partnership is closely monitoring the impact that Coronavirus (COVID-19) is having on our businesses, workforce, economy, and public health in Saratoga County and beyond. We are actively collaborating with community leaders at the Federal, State, and local level, business leaders, public agencies, and local entities across Saratoga County to determine what actions we can take to help businesses and community members during this crisis.
We are committed to keeping you informed of resources available for Saratoga County businesses and workforce and will be updated as necessary. If your business is experiencing disruption during this challenging time, please email Shelby Schneider or call 518.871.1887 for further assistance.

Resources for Businesses

COVID-19 Impact Survey for Saratoga County Businesses

The Saratoga County Prosperity Partnership, in collaboration with our local, state, and federal community and business partners, is conducting a survey to identify Saratoga County businesses in need of assistance, how the Saratoga County economy has been affected by the coronavirus (COVID-19), and what resources are needed to ensure business continuity.

The Saratoga Partnership is looking to gather information so that we can assist in helping mitigate the impacts to your business and our regional economy and to connect your business to the tools and resources you need during this challenging time. Your individual responses will remain confidential and data collected and disseminated will be aggregated.

Q+A Session with Congresswoman Elise Stefanik about Federal Response to COVID-19


U.S. Small Business Administration Express Bridge Loans (EBL) 

In response to the COVID-19 National Emergency, the SBA Express Bridge Loan (EBL) Pilot Program has been modified and the term extended. The EBL Pilot Program is designed to supplement the Agency’s direct disaster loan capabilities and authorizes SBA Express Lenders to provide expedited SBA-guaranteed bridge loan financing on an emergency basis in amounts up to $25,000 for disaster-related purposes to small businesses located in communities affected by Presidentially-declared disasters while those small businesses apply for and await long-term financing (including through SBA’s direct Economic Injury Disaster Loan Program, if eligible).

The general eligibility requirements for the EBL are as follows:

– For small businesses with an existing banking relationship with SBA Express lenders as of the date of the disaster.

– Effective March 25, 2020, (announcement by publication of a notice in the Federal Register will follow), SBA expanded program eligibility to include small businesses nationwide adversely impacted under the Coronavirus Disease (COVID-19) Emergency Declaration issued by President Trump on March 13, 2020 (“COVID-19 Emergency Declaration”).

– EBL loans can only be made by SBA Express Lenders that had a valid Supplemental Loan Guaranty Agreement SBA Express Program in effect as of the date of the applicable disaster;

– EBL loans can only be made up to six months after the date of an applicable Presidential Disaster Declaration, however for the COVID-19 Emergency Declaration, EBL loans can be approved through March 13, 2021.

– The Lender must have an existing banking relationship with the EBL applicant as of the date of the applicable disaster in order to help mitigate the risks associated with the streamlined underwriting process under the EBL Pilot Program.

– The small business must have been operational when the declared disaster commenced and must meet all other 7(a) loan eligibility requirements (credit elsewhere, size, etc.);

In addition to the forms below, banks will also need to submit the most recently filed tax returns for the business and all owners of the business or a justification if not available. Sole proprietors are required to complete the 5C loan application form. All other businesses should fill out the form 5 business loan application.

Notes on filling out the forms:
– On all forms “Damaged Property” simply refers to your primary location for the operations of the business.
– On Form 5, skip box 15, this only applies to property damage loans.
– There is no specific location to input a requested loan amount. The loan amount is determined by the supporting documents and any other relevant financial information provided that substantiates the economic injury.
– All owners with 20% or greater ownership in the business must be included in the application.

SBA Business Loan Application 2020

SBA Form 2202 Schedule_of_Liabilities

Schedule of Liabilities Instructions

SBA Personal Financial Statement (Form 413)

IRS 4506-T SBA

EIDL Supporting Information (P-019)

EIDL Additional Requirements – Form 1368

U.S. Small Business Administration Disaster Relief Loans for Businesses Impacted by Coronavirus (COVID-19)

For Questions, please contact the SBA Hotline at 1-800-659-2955

APPLY NOW – SBA Administrator Jovita Carranza has approved a statewide disaster declaration for NY. Eligible small businesses may now apply for SBA Economic Injury Disaster Loans (EIDL) online.

FACT SHEET – Please review the fact sheet with important information about the declaration and EIDL requirements at this link.

FIND LOCAL HELP – Businesses can take advantage of free assistance offered by SBA’s network of Resource Partners for help with preparing their loan applications. They may visit to find local help.

MAKE AN APPOINTMENT – The NYS Small Business Development Center network recommends submitting a request for assistance online.



Empire State Development – Guidance for New York State Businesses related to COVID-19

As New York State continually monitors and responds to developments related to COVID-19, Empire State Development (ESD) is providing up-to-date guidance for the agency’s partners and other stakeholders impacted by the virus. This is a rapidly changing situation and ESD will be updating the resources below to reflect the latest information available. ESD has created this detailed FAQ to answer immediate questions businesses may have regarding State regulations and general guidance related to the coronavirus. Submit your COVID-19 related business questions here.

Guidance for Determining Whether a Business Enterprise is an Essential Business under NYS Executive Order 202.6

On March 20, 2020, Executive Order 202.6 (or as revised) directed that all businesses and not-for-profit entities in New York State, shall utilize, to the maximum extent possible, any telecommuting or work from home procedures that they can safely utilize.

It is directed that, no later than March 20, 2020 at 11 a.m., each for-profit or not-for profit employer (excluding state and local governments and authorities) shall reduce the in-person workforce at each business/work location by 100% from pre-state of emergency declaration employment levels.

ESSENTIAL BUSINESSES OR ENTITIES, including any for profit or non-profit, regardless of the nature of the service, the function they perform, or its corporate or entity structure, are not subject to the in-person restriction.  (Essential Businesses must continue to comply with the guidance and directives for maintaining a clean and safe work environment issued by the Department of Health.

Click Here for a list of all Essential Businesses

Announcement Regarding the Abatement of Penalties and Interest for Sales and Use Tax due to the Novel Coronavirus, COVID-19

This will allow the Commissioner to abate interest on quarterly and annual sales and use tax filings and remittances with a due date of March 20, 2020, for those who were unable to timely file and pay as result of the COVID-19 virus.

To view the guidance issued, visit N-20-1, Announcement Regarding the Abatement of Penalties and Interest for Sales and Use Tax due to the Novel Coronavirus, COVID-19.

Interim Guidance to Restaurants to Sell Grocery Items 

NYS Department of Ag & Markets has released interim guidance for restaurants and other food service operations allowing them, for a two-week period beginning March 20, 2020, to sell foods considered to be grocery items while the COVID19 restrictions are in place.

The guidance requirements for selling packaged food items such as raw pasta, flour or sugar, refrigerated (heat and eat) meals, and ready-to-eat items intended for off-site use or consumption can be found on the following link.

Interim Guidance to Restaurants to Sell Grocery Items

Stay Informed of Latest News Alerts from NYS Governor Andrew Cuomo

New York Attorney General – COVID-19 Application for Suspension of Debt Collection Activity

This application is for persons or businesses that owe (non-medical and non-student*) debts to the State of New York that have been referred to the Office of the Attorney General for collection and litigation. Any such person or business, or their dependents, that have been financially impacted by COVID-19, or the international, national, and state responses designed to prevent its spread, may complete and submit this application to be considered for certain forms of relief, including relief from collection activity, interest accrual, and the assessment of collection fees. Click here for details. 

U.S. Small Business Administration

Small Business Guidance & Loan Resources

SCORE – Service Corps of Retired Executives
Business Mentorship Services

12 Month Cash Flow Statement Template

Workforce Resources

New York State Department of Labor – Guidance for New York State Businesses related to COVID-19

The New York State Department of Labor website offers business services for employers related to job postings, unemployment insurance and more. Saratoga County Businesses can contact Kim Haviland, NYSDOL Business Service Representative at 518-824-8887 or by e-mail.

NYS is waiving the 7-Day waiting period for Unemployment Insurance benefits for people who are out of work due to Coronavirus (COVID-19) closures or quarantines.

If you are filing a new unemployment insurance claim, the day you should file is based on the first letter of your last name. If your last name starts with A – F, file your claim on Monday. For last names starting with G – N, file your claim Tuesday. For last names starting with O – Z, file your claim on Wednesday. If you missed your filing day, file your claim on Thursday or Friday. Filing later in the week will not delay your payments or affect the date of your claim, since all claims are effective on the Monday of the week in which they are filed.

Here is a step by step process to file a claim online.

Department of Labor’s Shared Work Program allows Employees to Receive Partial Unemployment Benefits While Working Reduced Hours


The Shared Work Program gives you an alternative to laying off workers during business downturns by allowing them to work a reduced work schedule and collect partial Unemployment Insurance benefits for up to 26 weeks. Instead of cutting staff, you can reduce the number of hours of all employees or just a certain group. 

The Shared Work Program helps you keep trained, productive employees on the job during temporary business downturns. This means you can gear up quickly when business conditions improve. You save the expenses of recruiting, hiring and training new employees. And, you spare your employees the hardships of full unemployment. Shared Work tells employees you value them as team members. When you avoid layoffs, you tell your employees that you appreciate their work and want to keep them on, despite tough times. 


Your Shared Work Plan must: 

• Apply to employees who normally work no more than 40 hours per week 

• Reduce work hours and corresponding wages between 20% and 60% 

• Replace the layoff of an equal percentage of your workforce 

• Not reduce or eliminate fringe benefits, unless they are reduced or eliminated for the entire workforce 

• Not extend beyond 53 weeks 

• Cover all employees in an affected unit and reduce their hours by the same percentage. You may reduce different units by different percentages

New York State Department of Labor
Kimberly Haviland, Business Service Representative | (518) 743-0925 x8887

Saratoga County Employment and Training Office 
Jenniffer McCloskey, Director | (518) 884-4170

New York State Department of Labor – Guidance for Unemployment Insurance and Paid Leave

SHARED WORK PROGRAM – Your Layoff Alternative

Health and Workplace Safety

CDC Guidance for Businesses and Employers

The Centers for Disease Control and Prevention (CDC) offers the most up-to-date information on COVID-19. This interim guidance is based on what is currently known about the coronavirus disease 2019 (COVID-19).

COVID-19 Information for Saratoga County Residents

The Saratoga County Department of Public Health continues to work diligently to contain and mitigate the impacts of COVID-19 in the county. Residents are reminded that in order to be tested for COVID-19 an order is required from a medical doctor, healthcare provider or the county Department of Public Health. If an individual believes they are experiencing symptoms of COVID-19 they should contact their primary care physician ahead of time to make an appointment. If an individual has questions regarding COVID-19 they should contact the state Department of Health Hotline at 1-888-364-3065.

COVID-19 NYS Department of Health – Guidance for Cleaning and Disinfection for COVID-19 For Retail Stores

CDC Guidance for Businesses and Employers

The Centers for Disease Control and Prevention (CDC) offers the most up-to-date information on COVID-19. This interim guidance is based on what is currently known about the coronavirus disease 2019 (COVID-19).