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Downtown Business Resources for COVID-19


Below you will find information about financial assistance, employee resources, marketing opportunities and other resources to help small businesses through COVID-19. This resource list is updated and maintained by Downtown Frederick Partnership. Information is added on an as-needed basis and may update daily. The Partnership is making our best attempt to provide accurate information from reputable sources in this rapidly changing environment. Check back often. For questions, please contact mainstreet@downtownfrederick.org.

 


UPCOMING WEBINARS


Upcoming:

Recurring:

  • SBA EIDL Application Help Through Live Webinar offered daily at 10:30AM and 8:00PM. Hosted by the Delaware SBA district office, open to anyone to join. On the call, an SBA agent will walk businesses through the EIDL application process. Businesses should have all necessary documents ready.
  • Monthly Virtual Job Fair hosted on the first Friday of every month, beginning in May. Hosted by JobsOffice.org. Free to job seekers and recruiters.
  • Community Conversations (local to Frederick) every Thursday at 1:00PM. Series of collaborative virtual meet-ups with local business owners from a wide range of industries. Discuss challenges and innovations, generate new ideas, and refine your own strategies for keeping momentum during these challenging times. Register in advance. Hosted by Postern.
  • Downtown Frederick Partnership is hosting a series of Merchant Round Tables, where we provide a virtual venue for merchants from various industries (retail, restaurant, craft beverage, service, entertainment, etc.) to meet, contribute and hear ideas from neighbors in your same industry. Contact cecylia@downtownfrederick.org for more information.

 

 


RECOVERY, REOPENING AND REENTRY


Maryland Strong: Roadmap to Recovery: For the most up to date information on recovery plans for the State of Maryland, visit governor.maryland.gov/recovery. The Maryland Strong: Roadmap to Recovery released on April 24 can be downloaded here.

Maryland Strong Back to Business Pledge: Governor Hogan is encouraging Maryland business owners to display a signed pledge in their place of business.

Tourism Recovery Task Force: This task force was established to create a plan to re-open the tourism industry in a manner that is safe for employees and customers. The work of the task force is guided through the efforts of the Tourism Advisory Recovery Group, which is comprised of members of the industry’s trade associations and the Maryland Tourism Development Board. The recommendations from each group will be integrated into a plan that will be delivered to the Secretary of Commerce, Kelly Schulz. The working title of the plan is: Open for Business. Putting the Tourism Industry Back to Work. The model that Maryland has been using for a reopening plan is outlined in the National Coronavirus Response – A Road Map to Reopening.

  • Tourism/Retail Task Force Recommendations: The following recommendations were submitted to the Governor via the Department of Commerce on April 30. At a minimum, safe, contactless curbside pickup should begin as quickly as possible for all retail. You can download a copy of these documents here: Task Force RecommendationsChecklist for RetailersChecklist for Customers
  • From the MD Office of Tourism Development (OTD) Resources: Five easy steps to make sure you’re getting the benefit of OTD support in promoting your business and events.

 

Executive Orders:

Click on the tabs below to show details related to each Executive Order issued by the Governor. Questions concerning the Governor’s executive orders should be directed to the Governor’s Office of Legal Counsel at 410.974.3901 or online at governor.maryland.gov/contact-the-governor. A complete list of all Proclamations, Orders, Interpretive Guidance and Suspended Orders can be found here. If you are unsure of your current occupancy load use the City of Frederick’s Capacity Calculator. If you have other questions about policies specific to Frederick County, contact fchdBusinessInfo@frederickcountymd.gov.

75% Capacity not currently in effect for Frederick County: Frederick County is taking a pause and delaying implementation of 75% capacity for indoor dining. Frederick County food businesses will continue at 50% capacity. The decision not to move forward with the Governor’s announcement of the potential move to 75% capacity is based on Frederick County’s health statistics. Find more information from Frederick County here.

September 18 Executive Order: Review the Governor’s September 18 Executive Order allowing restaurants to increase maximum occupancy from 50% to 75%, subject to applicable Local Orders and Secretary’s Directives.

September 1 Executive Order: Review the Governor’s September 1 Executive Order allowing retail establishments and religious facilities to increase maximum occupancy from 50% to 75%, and allowing theaters and outdoor entertainment venues to open to the general public at 50% capacity — or a maximum of 100 people at indoor theaters and 250 people at outdoor entertainment venues — whichever is lower.

July 29 Executive Order: Review the Governor’s July 29 Executive Order requiring that, as of 5PM on July 31, all Marylanders over the age of five are required to wear face coverings in the public spaces of all businesses across the state. Face coverings will also be required in outdoor public areas whenever it is not possible to maintain physical distancing.

The order also established a public health advisory for out-of-state travel, which takes effect immediately. Under this advisory, Marylanders are strongly advised against traveling to states with positivity rates of 10% or higher. Anyone traveling from these states should get tested and self-quarantine while awaiting results. As of July 29, this advisory applies to Florida, Texas, Georgia, Louisiana, Arizona, Alabama, South Carolina, Nebraska and Idaho. Read the travel advisory here.

June 11 Executive Order: Review the Governor’s June 11 Executive Order regarding the suspension of alcoholic beverage license fees.

June 10 Executive Order: Review the Governor’s June 10 Executive Order regarding the reopening of seated indoor dining, indoor recreation establishments, fitness centers, casinos and malls. The accompanying directives for indoor and outdoor dining safety standards provided by the Maryland Department of Health can be found here.

June 3 Executive Order: Review the Governor’s June 3 Executive Order regarding the reopening of tattoo parlors, tanning salons, massage parlors, establishments that provide esthetic services or nail technician services, and other businesses, organizations, establishments and facilities that are not part of the critical infrastructure sectors.

May 29 Executive Orders: Review the Governor’s first May 29 Executive Order regarding the reopening of breweries, wineries and distilleries, and the second May 29 Executive Order extending a prohibition on utility shut offs and residential late fees for electric, gas, water, sewage, phone, cable TV and internet services.

May 27 Executive Order: Review the Governor’s May 27 Executive Order regarding restaurants, personal services, retail, outdoor recreation and other Phase One reopenings.

May 13 Executive Order: Review the Governor’s May 13 Executive Order and interpretive guidance.

Please note, per the Governor’s May 13 order, local jurisdictions have the authority to be more restrictive than the statewide order. All of the jurisdictions in Frederick County will be coordinating their decision on how and when to implement any proposed changes.

General Reopening Guidance:

Establishing Your Occupancy Limit: If you are unsure of your current occupancy load use the City of Frederick’s Capacity Calculator. If you have other questions about any of the updated policies for Frederick County, contact fchdBusinessInfo@frederickcountymd.gov.

Maryland Back to Business: Maryland business community leaders are sharing industry-specific guidelines and best practices at open.maryland.gov/backtobusiness. Guidance will continue to be added as additional industry sectors are allowed to reopen.

Additional guidance includes:

  • The American Industrial Hygiene Association’s Back to Work Safely website features expert, industry-specific guidance for both businesses and consumers to safely reopen and re-engage as they emerge from the COVID-19 quarantines.
  • The Post COVID-19 Small Business Recovery & Sustainability Guide compiled by the Maryland SBDC includes guidance on assessing your finances, adjusting your business model, creating a pathway to reopening, and tips for small businesses in a recession. Part 2 of this guide was released in August, which also includes plans for staffing, local funding resources and Covid regulations.
  • The Maryland Health Department has released an FAQs on Face Coverings, which covers what makes a face covering, who needs to wear one and what reasonable accommodations need to be made for people who have difficulty wearing a face covering.
  • The CDC has compiled a list of frequently asked questions by businesses, which includes information about cleaning and disinfecting the workplace, healthy business operations, and more.
  • The CDC and EPA have both released guidance for how to safely reopen a building that has been closed for a prolonged period: CDC guidance for reopening a closed building and EPA guidance on maintaining or restoring water quality.
  • Reopening Guidance and other general guidance documents from the CDC for cleaning and disinfecting public spaces, workplaces, businesses, schools and homes — as well as printable COVID-19 Resources from the CDC that includes guidance for employees, customers and others. The CDC has also released a Decision Tree Tool to aid employers in making reopening decisions.
  • The CDC has been hosting Live Stakeholder Calls, where public health experts share guidance for the private sector, including what CDC knows at this point and what CDC is doing in response to this outbreak. On May 21 they hosted one specific to Businesses and Mass Transit. The webinars are posted here and will be archived on their YouTube channel.
  • Industry Guidance for Promoting the Health and Safety of All Travelers created by the U.S. Travel Association, which provides a toolkit for creating consistency in the way travel destinations approach customer safety
  • The U.S. Travel Association also hosted a webinar focused on traveler sentiment toward travel and safety, which included some really interesting travel related survey info about customer perceptions. View the slide deck from the presentation here and a full recording of the webinar here.
  • On July 16, the U.S. Travel Association hosted an excellent webinar titled Planning for Recovery Amid Rising Cases and Shifting Consumer Sentiment, which provided insights into consumer expectation management, emotional response strategies and consumer segmentation. View the recording here.
  • The Maryland Office of Tourism released a list of COVID-19 Travel and Tourism research resources, which includes insights into trends, impacts, and consumer attitudes.
  • OSHA has created a resource page for businesses, which includes links to interim guidance (including OSHA enforcement policies) and other resources for preventing exposures to, and infection with, the novel coronavirus.

 

Retail Specific Reopening Guidance:
  • Product Returns & Exchanges: The National Retail Federation has released a list of best practices for product returns and exchanges. Three common modifications include temporarily suspending some or all in-store returns and exchanges, extending the period of time for which products can be returned or exchanged, or making the sale of certain products final.
  • Trying on Clothing: This list of best practices have been gathered from retailers that remained open throughout the pandemic, as well as several states that have allowed the reopening of clothing retailers. Scientific data does not indicate that clothing items are a major means of spread of the coronavirus. However, if a retailer is concerned about perceived risks from clothing that has been tried on, there are options available.
  • Open for Business – A Blueprint for Shopping Safe, a guide about phased openings and shopping safe created by the National Retail Federation and Retail Industry Leaders Association.
  • Operation Open Doors Checklist also created by the NRF is a checklist to help retailers prepare to reopen.

 

Restaurant / Food Specific Reopening Guidance:

 

Pop Up Dining in Downtown Frederick:

The City of Frederick has expanded outdoor dining using several different approaches. Learn more at cityoffrederickmd.gov/popupdining.

  • Each weekend, a portion of Market Street (between Patrick Street & Market Space) is closed to traffic and open for outdoor dining and pedestrian use. Street closure hours are Fridays from 11AM-10PM, Saturdays from 11AM-11PM, and Sundays from 10AM-9PM. All cross streets and parking garages remain open during these times.
  • Restaurants throughout Downtown Frederick are also able to apply for temporary permits to expand their outdoor dining areas into parking spaces (parklets), sidewalks, City parks and alleys, and private property.
  • Curbside Pickup Zones will continue in designated areas throughout downtown, allowing for limited free parking so customers can quickly park and pick up orders from nearby retailers and restaurants. Curbside Zones are located along Market Street and Patrick Street, as well as South, Church, 2nd & 3rd Streets. View a map of zone locations here.

In all cases, a clear walking zone must be maintained for pedestrian use and tables must be spaced to maintain appropriate physical distancing between diners. These temporary changes are anticipated to remain in effect through October 31, 2020. For more information, as well as permit applications, visit cityoffrederickmd.gov/popupdining.


HEALTH & SAFETY EQUIPMENT


The Maryland Manufacturing Network provides a real-time list of Maryland-based manufacturers and suppliers capable of providing critical Personal Protective Equipment throughout the state. This portal was created by the Maryland Manufacturing Extension Partnership and the State of MD Department of Commerce.

Additionally, Downtown Frederick Partnership is collecting information about health & safety equipment that local businesses have found available. Have an item that should be added to the list below, or see something that is no longer available? Submit it here. We hope this list is useful to our Downtown Frederick shops, restaurants and small businesses as you work to implement new safety measures for your employees, customers and public spaces.

Face Masks / Face Shields

  • Alicia L: Surgical masks for civilian use and high quality washable cotton masks made in the USA; order online, email info@alicial.com or text 301.378.3603
  • Allta: contact Kevin Foley at kevin@kik-me.com
  • BKG Media and Promotions: email benny@bkgmedia.net or call 301.606.8484
  • Face Shields from clearfaceshields.com, you can get them assembled or not
  • Custom cloth masks and disposable 3-ply available from Corporate Exposure: email jen@corporateexposure.com
  • Reusable/Washable Face Mask from Curvy Sense
  • Custom Imprints has surgical face masks available: order online or call 301.694.0000
  • Custom Ink is selling cloth masks in quantities of 12 or 120: order here
  • Deluxe can customize and buy in wholesale quantities: order here
  • Hart Schaffner & Marx and 3-layer masks with a minimum order of 500: contact Steve Dell’Olio at 646.528.3849 or steve.dellolio@wdiamondgroup.com
  • Hickey Freeman: contact John Martynec at John.Martynec@hickeyfreeman.com
  • Lola (local recommendation from a downtown retailer) has disposable 3-ply and KN95 masks available: 301.523.5132 or lolasbeautymark@gmail.com
  • OfficeMart is the Maryland Retailers Association’s benefit partner supplier, and can sell customizable face masks in quantities starting at 12. Contact Mary Jo at 320.492.0266
  • Paymer and Phillips: contact Pete Daly at 410.923.6000
  • Quality Logo Products: order face masks online here or face shields online here; contact a sales rep directly at info@qualitylogoproducts.com or 866.312.5646
  • Staples: last reported on May 1 that the 5557 Urbana Pike location had masks available
  • Sterling Forever (based in Towson) has 3-ply disposable and KN95 masks: contact Alex Boellner at 410.491.1110 or marylandmasks@gmail.com
  • 3-Layer Face Mask from StringKing
  • VIPRGuard can offer wholesale prices on fairly small quantities on a broad line of cloth face masks in a variety of fabrics and styles

Hand Sanitizer

Surface Disinfectant

Plexiglass (for dividers, etc.)

Disposable Gloves

Signage for Businesses (social distancing, customer requirements, etc.)


COVID-19 BUSINESS INFORMATION


General Resources:

How to Temporarily Close a Business Due to COVID-19: SCORE, a nonprofit organization and resource partner of the U.S. Small Business Administration, has put together a resource list for businesses who are considering a temporary closure or shutdown due to COVID-19. This guide covers proper procedures about how to officially close a business in the eyes of the state, even if the closure is on a temporary basis.

 

State of Maryland:

Maryland COVID-19 Business Response: Check this resource for information on business closures & restrictions (including the text of executive orders and interpretive guidance), information on the Public Health Emergency Protection Act, Financial Assistance & Taxes, Employer & Worker Assistance, Licensing & Permitting information and more.

Letter of Clearance for Essential Workers: Currently, there is not a state-issued “Letter of Clearance” or similar document for employees of essential businesses to carry. It is recommended that employers draft and print their own letters containing: name and address of the employee; name and address of the business; nature of the employee’s work and reasons why it fits the definition of essential and employer’s signature and contact information. Employees should have this letter on their person when traveling to-from work.

Comptroller of Maryland COVID-19 Tax Response: Find important tax information related to the pandemic at marylandtaxes.gov/covid.

State Tax Extensions: Annual Reports and/or Personal Property Tax Returns for 2020 must be filed for all domestic and foreign business entities with the Maryland Department of Assessments and Taxation by Wednesday, July 15. SDAT will not be granting any further deadline extensions for annual business filings this year. In order to maintain good standing status, all business entities formed, qualified or registered to do business in Maryland must file an Annual Report every year. If your business owns, leases, or uses personal property in Maryland and/or maintains a trader’s license with a local unit of government in Maryland, you must also file a Personal Property Tax Return. Submit these filings online. Reach out to taxpayerrelief@marylandtaxes.gov with questions. 

Barber and Hair Salon Service to Essential Workers: As of April 20, the Governor’s Office of Legal Counsel issued new Interpretive Guidance  regarding barber and hair salon service to essential workers. It is generally assumed that this enforcement recommendation will be used for military personnel, first responders and other essential workers required to maintain certain, well-documented grooming standards as part of their profession, or where ungroomed hair could pose a safety risk.  

Frederick County:

Frederick County Office of Economic Development and Orases have partnered to create a Frederick County Business Financial Tool. This tool will be updated as loans and grants change to provide the most current information on interest rates, terms, borrowers requirements and eligible funding uses. On the top of page 2, there are links to the website for each program in hopes to streamline for businesses.

City of Frederick:

The City of Frederick COVID-19 Response webpage provides the most current information related to the impact of COVID-19 on City services.

Parking in Downtown Frederick: Daytime meter enforcement resumed normal ticket enforcement on July 1. The Curbside Pick-up Zones will continue throughout the downtown area, allowing customers to park in the designated street meter zones for 10 minutes, or in parking garages for up to 30 minutes, to pick up their carryout orders from nearby restaurants and retailers with no payment necessary. All other parking restrictions remain in effect. Questions regarding parking enforcement can be directed to 301.600.1429.

Building and Permits Online Portal: The City of Frederick created an online portal to submit applications, plans and fee payments for work with the Planning, Engineering and Building Departments. Learn more here.

City Bills: All due dates for City bills, permits, licensures, and citations will be extended to thirty days after the State of the Emergency ends. If you would like to pay bills or citations at this time, please note that City facilities are closed to the public. Payments can be made online or via drop boxes at the appropriate City location. For questions, please call 301-600-1380 or visit cityoffrederickmd.gov/covid19.

Utility Assistance Program: Beginning August 3, The Frederick Community Action Agency’s Office of Home Energy Programs (OHEP) began administering Community Development Block Grant (CDBG) CARES funding to assist Frederick City residents with utility emergencies due to COVID-19. Learn more about the program here. OHEP applications can be completed online at mydhrbenefits.dhr.state.md.us.

 

 


SMALL BUSINESS FINANCIAL ASSISTANCE


Click on the tabs below to expand each program’s description. If you have questions, please contact the Partnership at mainstreet@downtownfrederick.org. The SBDC is also available to assist small businesses with federal COVID-19 resources. Contact your local Frederick SBDC counselor (Robert Bower, rbower@umd.edu or 301-600-1967) for direct assistance with federal applications.

Federal Stimulus Program — Economic Impact Payments: IRS portal to check the status of your payment.

SCORE Small Business Resilience Hub: This website provides access to remote mentoring sessions, industry-specific training, and a comprehensive resource portal to help you find the specific information, government resources and financial support you need.

The SBA is staffed 24/7 at 202-765-1264 for assistance with the Economic Injury Disaster Loan process. There are also Daily SBA Conference Calls Monday through Friday to provide updates and allow you to ask questions.

  • 3:00PM (M-F): 202-765-1264, Conf Call ID# 827-299-626
  • 5:30PM (M-F): 202-765-1264, Conf Call ID# 310-688-488

SBDC Assistance with Federal Applications: The SBDC has received an infusion of funding to assist small businesses with federal COVID-19 resources. Contact your local Frederick SBDC counselor (Robert Bower, rbower@umd.edu or 301-600-1967) for direct assistance with federal applications.

  • The SBDC hosted a webinar on April 16 called The Counselor Is In: Q&A With Maryland SBDC Business Consultants, during which SBDC counselors responded to questions submitted by Frederick businesses. View the webinar slides here and the complete list of questions and answers here.

COVID-19 Small Business Survival Guide: Created by the Maryland SBDC, this excellent resource is frequently updated. Updated May 13. Subscribe to the SBA for email updates via www.sba.gov/updates and follow the SBA on Twitter at @SBAgov for the latest news on available SBA resources and services.

Maryland Business Relief Wizard: Navigational tool to connect businesses with the resources and programming for which they’re eligible.

General SBA guidance for businesses can be found here. If you need additional help navigating the SBA process, Maryland SBDC can help.

COVID-19 Emergency Relief Funds Webinar: This webinar (originally presented March 31, 2020) provides updates from the SBDC on new and existing financial resources for small businesses. A recorded version of the entire webinar is available on SBDC’s GoToStage Channel.

Maryland Department of Labor Financial Relief Guide Relatively comprehensive guide to financial relief resources and consumer protections including topics such as federal stimulus payments, loans (home, auto, personal, etc), insurance, utility services, etc.

Loan Comparison GuideThe SBA has created a Coronavirus Pandemic Disaster Loans Comparison chart that compares the details of the PPP program, EIDL (loan and forgivable advance), the SBA Express Bridge Loans and SBA Express.

Centralized Platform for Small Business Assistance: America’s SBDC and the Association of Women’s Business Centers (AWBC) have developed a website (covid-sb.org) with information from multiple federal agencies to assist small businesses with surviving and recovering from effects of the pandemic.

Update added July 8: The deadline to apply for a loan though the Paycheck Protection Program has been extended to August 8. The fund has about $130 billion left unused. Businesses access the PPP loan funds via a bank. Reach out if you are still interested.

Additional Information: The Paycheck Protection Program (PPP) provides $350 billion to help small businesses and nonprofits keep workers employed amid the pandemic. Applications can be downloaded here. PPP Loans are accessed through current SBA lenders. A portion of the emergency loans may be forgivable. On June 19, the SBA and Treasury announced enhanced transparency regarding the program, agreeing to make public additional PPP borrower data. Read more about these plans here.

Contact your own lender as soon as possible to see if your business is eligible to lend under this program. There is a funding cap on this program, so the U.S. Treasury Department urges businesses to submit their applications as quickly as they can. More info available here and a list of FAQ’s (updated August 11th) available here.

  • PPP has two application timeframes. Small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders beginning on April 3. Independent contractors and self-employed individuals can begin applying on April 10. Proceeds from these loans can be used toward payroll costs (including benefits), interest on mortgage obligations incurred before February 15, rent under lease agreements in force before February 15, and utilities for which service began before February 15.

Resources for Applying for the Paycheck Protection Program: Information may be accessed by visiting the Treasury or SBA websites; Additional resources include Coronavirus Emergency Loans: Small Business Guide and Checklist and CARES Act Executive Summary for Restaurants (PPP) and Small Business Loans Side-by-Side (compares EIDL & PPP loans)

 

Tracking PPP Expenses: Quickbooks tutorial on tracking loan spending to ensure you qualify for forgiveness under the Paycheck Protection Program.

PPP Loan Forgiveness: The U.S. Chamber of Commerce has released an updated Guide to PPP Loan Forgiveness to help businesses navigate loan forgiveness under the Paycheck Protection Program. FAQ’s for PPP Loan Forgiveness (updated August 11th) available here.

PPP Loan Forgiveness Guidance: Application and instructions, including several measures to reduce compliance burdens and simplify the process for borrowers. NFIB has also released a video of Step-by-Step Instructions for Maximizing PPP Loan Forgiveness through the PPP EZ Application. Key updates:

  • Options for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with borrowers’ regular payroll cycles
  • Flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan
  • Step-by-step instructions on how to perform the calculations required by the CARES Act to confirm eligibility for loan forgiveness
  • Borrower-friendly implementation of statutory exemptions from loan forgiveness reduction based on rehiring by June 30
  • Addition of a new exemption from the loan forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined

 

Paycheck Protection Flexibility Act (enacted June 5): This new law enhances the Paycheck Protection Program by increasing the time small businesses can use funds and receive forgiveness from eight weeks to twenty-four weeks, by reducing the payroll cost rule from 75% to 60% to allow for up to 40% to be used for other qualifying expenses, delaying employer payroll tax payments through the end of 2020, and exempting borrowers from the FTE loan forgiveness reduction if borrowers are unable to return to the same level of business activity as before February 15, 2020 due to COVID-19.

On June 2, the NFIB Research Center released survey results on the utilization and financial assistance of the Paycheck Protection Program (PPP) and the Economic Injury Disaster Loan (EIDL).

As of June 15, SBA has reopened the Economic Injury Disaster Loan (EIDL) portal. Apply here. Previously submitted applications will continue to be processed on a first-come, first-served basis. An EIDL may be used to pay debts, payroll, accounts payable and other expenses. The interest rate is 3.75% for small businesses and 2.75% for nonprofits, with repayment terms of up to 30 years with a one year deferment.

Applicants may request, as part of their loan application, an EIDL Advance of $1,000 per employee (up to $10,000). The advance will not have to be repaid, and small businesses may receive an advance even if they are not approved for or decide not to accept a loan.

Visit the SBA’s website to apply. If you are having trouble submitting the application online, it can also be mailed or faxed to the SBA.

Resources for Completing your EIDL Application: Slides from the March 24 webinar, “COVID-19 Emergency Relief Funds: State & Federal Resources for Small Businesses” and the Step-by-Step EIDL application guide and Small Business Loans Side-by-Side (compares EIDL & PPP loans)

 

As of July 11, the EIDL Advance Program is closed. The SBA has disbursed the $20 billion made available for the EIDL Advance grants. Learn more in SBA’s press release here.

SBA Debt Relief for 7(a), 504 and Micro-loan Borrowers: As part of its coronavirus debt relief efforts, the SBA will pay 6 months of principal, interest and any associated fees that borrowers owe for all current 7(a), 504, and Micro-loans in regular servicing status, as well as new 7(a), 504, and Microloans disbursed prior to September 27, 2020. Details here.

Federal Employee Retention Tax Credit (part of the CARES Act): 50% refundable tax credit for up to $10,000 in wages paid by an eligible employer whose business has been financially impacted by COVID-19. Learn more here. Additional Q&A style information available from the U.S. Department of the Treasury here.

SBA Express Bridge Loans: The Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loan or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on EIDL, they may quality for an SBA Express Disaster Bridge Loan.

SBA Microloan Program: The SBA Microloan Program gives small business borrowers greater access to loans, providing small businesses with loans up to $50,000, as well as business-based training and technical assistance. This program is available to sole proprietors.

Additional SBA Assistance for Standard Loan Programs: The CARES Act includes $17 billion in funding to provide relief to small businesses with standard SBA 7(a), 504, or microloans. SBA will pay the principal, interest, and fees of new 7(a), 504, and microloans for a period of six months, for loans issued prior to September 27, 2020.  If you currently have a 7(a), 504, or microloan, SBA will pay the principal, interest, and fees for a period of six months. Contact your lender or go here for more information.

NEH Emergency Relief Funding: Through a new CARES Act program, the National Endowment for the Humanities is now offering up to $300,000 grants to cultural institutions affected by coronavirus in order to help stabilize humanities organizations nationwide. Find more information here.

U.S. Treasury Main Street Lending Program: The Main Street Lending Program will provide a total of $600 billion in financing for small and medium-sized businesses. Businesses may be eligible for loans if they have 15,000 employees or fewer, or had 2019 revenues of $5 billion or less. Minimum loan amount is $250,000 and maximum loan amount is $300 million, with a repayment period of five years. Borrowers are not obligated to make principal payments for the first two years. Once the program is operational, interested small and medium-sized businesses can apply for program loans by contacting an eligible lender.

  • Information and Guidance  for lenders and borrowers who would like to access the Main Street Lending Program, including an updated program overview reflecting changes made with the June 8th expansion.
  • Interested small and medium-sized businesses should speak to an eligible lender about applying for a Main Street loan.
  • Additional guidance, FAQs and facility term sheets available here.
Small Business Reorganization Act (SBRA): Signed into law in February, the SBRA was enacted to expedite and reduce the cost of Chapter 11 bankruptcy for small business debtors with debt of approximately $2.7 million. The CARES Act expanded this relief to a wider demographic by increasing the debt-eligibility threshold from the approximately $2.7 to $7.5 million. This expanded eligibility expires after one year. Details here.

Maryland Small Business Development Financing Authority: The MSBDFA, which promotes the viability and expansion of businesses owned by economically and socially disadvantaged entrepreneurs, will be allocated $5 million to provide financing for working capital, supplies and materials, machinery and equipment acquisitions, land acquisition, or real estate improvements. Learn more here.

Maryland Small Business COVID-19 Emergency Relief Loan & Grant Funds: $45 million in additional funding has been allocated to the COVID-19 Emergency Relief Grant Fund and will become available on July 20. The state is not accepting new grant applications and will continue to distribute funds on a first-come, first-served basis based on the applications already received. Read the Press Release announcing distribution of the additional funds, and find more information here. Applicants who have already submitted a loan or grant application should create a One Stop account in the Maryland One Stop portal if they have not already.

Maryland COVID-19 Emergency Relief Manufacturing Fund: As of April 21, this fund is no longer accepting new applications. Manufacturers that have applications started, in process, have until 5:00PM Wednesday, April 22 to complete their applications.

Work Sharing: Work Sharing is a voluntary program through the Maryland Department of Labor, which provides an alternative to layoffs for employers faced with a temporary, non-cyclical decline in business due to lower economic activity. The program is designed to avoid layoffs by allowing employers to reduce an employee group’s hours by a percentage equal to the total reduction of hours that would have been achieved by a layoff. Employees in that group are then eligible for a percentage of Unemployment Insurance (UI) equal to the percentage of their reduced hours. Example: Reduce a group’s hours to 80% of what they normally work, those employees are now eligible for 20% of UI benefits. Learn more here.

State Apprenticeship Expansion Reimbursement Grant: The MD Department of Labor is accepting applications for grants to support the related instruction requirements of registered apprenticeship programs across the State. Learn more here.

City of Frederick COVID-19 Back in Business Conditional MicroGrant: Accepting applications through 12PM (noon) Friday, October 2. Apply here. This grant is designed to financially assist City-based small businesses which have been substantially impacted by the COVID-19 pandemic, and which have not previously received local assistance. Businesses must have 25 or fewer employees and must have a physical location in The City of Frederick. View full conditions and eligibility requirements here.

City of Frederick Micro-Grant Program: No longer accepting applications due to overwhelming response. The first round of checks should be distributed on Friday, April 3. Contributions to the fund are encouraged to help meet the demand from applications already received by the City of Frederick.

Jump Start Frederick County Business Grants: $5 million grant program to support local small businesses and farmers. Jump Start grants are designed to assist small for-profit businesses and nonprofit organizations that experienced financial loss caused by the coronavirus. The county’s Office of Economic Development will administer the program.

Applications will be accepted from 7 AM Thursday, May 28, until 11:59 PM Friday, June 5. Application website: frederickcountymd.gov/jumpstart. The Frederick County Jump Start Grants Program offers three grant opportunities:

  • Full-time Farmer Grants: $6,000 in one-time funds to qualifying full-time farmers.
  • Small Business Grants: $10,000 in one-time funds for businesses with physical commercial space and with 10-50 employees, full or part-time. Businesses can be for-profit or nonprofit.
  • Micro Business Grants: $3,300 in one-time funds for businesses with up to nine employees. Employees can be W-2 or 1099 employees of a for-profit or nonprofit business, including sole proprietors. Micro businesses must have physical commercial space to qualify.

Businesses must be located in Frederick County, or have more than 50% of employees or gross sales at their Frederick County location; employ 50 or fewer full-time-equivalent employees; and have incurred financial losses as a result of the public emergency.

  • The Entrepreneurial Dream Project is a $100,000 non-dilutive grant fund and mentorship program benefiting new businesses that are building during COVID-19. Submissions are open through June 15, 2020.
  • Fattmerchant, a payment technology provider, has partnered with Gift Up! to allow its clients to sell virtual gift cards. Gift Up! is waiving its usual 3.49% fee for Fattmerchant’s members’ first $5,000 in gift card sales.
  • FedEx discounts are available to Downtown Frederick retailers under the Maryland Retailers Association’s partnership with PartnerShip. Enroll in the MRA Shipping Program here and learn more about the program’s offerings here.
  • FedEx is offering grants to small businesses in the U.S. Each grant recipient will receive $5,000 plus a $500 credit from FedEx Office that can be used for printing banners, posters, floor graphics, custom branded boxes, and more. Perfect for businesses who are making the move to selling and shipping online and/or ramping up safety and cleanliness measures to keep customers and employees safe.
  • GoFundMe has partnered with Yelp to allow independent businesses to start fundraisers and accept donations through Yelp’s pages. The Yelp Foundation and GoFundMe also both pledged to donate up to $1 million to the GoFundMe.org Small Business Relief Fund.
  • Google is donating more than $800 million to support small businesses, health organizations, governments, and health workers impacted by Covid-19. The amount includes $340 million in Google Ads credits for small and midsize businesses with active accounts in the past year.
  • Hello Alice is administering grants up to $50,000 to support business growth, including $10,000 emergency COVID-19 Business for All grants to help small businesses in crisis. Applications for the COVID-19 grants close on July 16, 2020 at 11:59 PM.
  • Hootsuite, the social media management platform, is offering free access to its professional plan through July 1.
  • Idea Cafe offers Small Business Grants up to $4,000, which can be used for needs such as purchasing computers, hiring part-time help, and creating marketing materials.
  • The James Beard Foundation has launched the Food and Beverage Industry Relief Fund. The organization will draw support from corporate, foundation, and individual donors to offer micro-grants to restaurants, bars, and other independent businesses in the industry.
  • Kabbage launched an online hub to help boost sales for U.S small businesses impacted by COVID-19, including a system through which businesses can sell gift cards to consumers for use at a later date.
  • Kangaroo wants to support business owners who are unable to be physically presentat their offices: The security startup is offering free (for three months) security camera and monitoring kits.
  • Kiva, an organization that offers 0% interest loans to entrepreneurs in the U.S., has expanded eligibility and increased loan size for small businesses impacted by the spread of COVID-19.
  • LISC Small Business Relief Grants: Truist has provided LISC with additional funding for a second round of small business grants. This program will provide grants of up to $10,000 each to small business owners, especially in rural communities and to enterprises owned by women and minorities, to help meet their most immediate needs. Applications close on June 17. Learn more and apply here.
  • MainVest, a crowdfunding platform, announced its new Main Street Initiative: a $2,000, 0% interest, 120-day loan for restaurants or other brick-and-mortars affected by the shutdown, in addition to its normal fundraising offerings.
  • Main Street America launched The HartBeat of Main Street Grant Program on July 28, providing grants of $5,000-$15,000 to support brick-and-mortar small businesses in commercial districts respond and adapt to COVID-19. They will accept the first 500 applications, or close the application on August 23 (whichever comes first).
  • MD Small Business Development Finance Authority is providing emergency financial relief through low interest rates and low documentation loans to eligible Maryland businesses, beginning July 20. Five-year term loans ranging from $25,000 to $200,000 will be available with an interest rate of  0% for the first 12 months, and 2% for the remaining term of the loan. Program details and guidelines here.
  • The National Restaurant Association Education Foundation launched the Restaurant Employee Relief Fund to help restaurant workers in need.
  • Ogden Newspapers (the owner of the Frederick News-Post) has established a Community Marketing Grant fund to assist locally owned businesses with marketing costs. A total of $1,000,000 in matching advertising dollars is available, and grant funds can be used toward print or digital advertising in your local Ogden Newspapers publication. Grants available for April, May and June.
  • OLD BAY, McCormick for Chefs, and CORECares Foundation are offering grants valued at up to $2,500 to Maryland restaurants impacted by COVID-19 through their Maryland Restaurants Relief Fund.
  • Opportunity Fund, which specializes in money lending to small businesses owned by women, immigrants and people of color, is collaborating with investors and nonprofits to put together a coronavirus relief fund that will provide grants and low-interest-rate loans to business owners in need.
  • The Restaurant Workers’ Community Foundation formed a COVID-19 Emergency Relief Fund for small businesses and their restaurant workers.
  • Ring announced its Neighbor Pledge initiative, which encourages individuals and groups to create pledge groups to support local businesses.
  • Seated launched a hotline for restaurant owners to get advice from finance and law experts in the hospitality industry.
  • Shopify, the e-commerce platform, is offering an extended 90-day trial for new customers. For those of you currently on a 14-day trial, you can extend it at no charge to 90 days.
  • The Spanx by Sara Blakely Foundation is offering 1,000 grants of $5,000 each to women entrepreneurs in the U.S. through the Red Backpack Fund Grants program.
  • Tech Frederick Assistance: Tech Frederick has compiled a listing of local organizations and individuals who offered their FREE virtual assistance for any Downtown Frederick retail businesses in need. The first column displays the area of expertise they are able to help with, and the point of contact is listed. If you have any questions on the directory or need further assistance with matching up, contact Amy Pontius.
  • U.S. Chamber of Commerce Foundation has created the Save Small Business Fund, which awards $5,000 grants on a weekly basis. To qualify, businesses must employ between 3-20 people, be located in an economically vulnerable community and have been harmed financially by the COVID-19 pandemic. The 21701 zip code is eligible for funds.
  • Verizon is donating $2.5 million to nonprofit Local Initiatives Support Corporation for its Small Business Covid-19 Recovery Fund, which will use the funds to provide grants of up to $10,000 to struggling businesses.
  • Wefunder, an investment crowdfunding platform, launched a Coronavirus Crisis Loans program enabling small businesses to crowdfund loans of $20,000 to $1 million from supporters.
  • WiYNN, a marketing firm based out of Hagerstown, is providing free online ordering for Downtown Frederick restaurants. Contact Dustin Ecton for more information.
  • Yelp announced $25 million in relief to help local restaurants and bars in the form of waived advertising fees, free advertising, and products and services.

 



Face Coverings, Social Distancing & Sanitation Requirements:

Governor Hogan has issued an Executive Order that requires all employees and customers (over the age of 9) of retail and food service establishments, as well as public transportation, to wear face coverings beginning on April 18. Additionally, retailers must post signage at each entrance advising customers about the requirement to wear face coverings. Appropriate signage and markings to reinforce social distancing and six-foot spacing must also be displayed where any queue is expected to form.

Businesses who use shared equipment, such as baskets or hand carts, must provide sanitation equipment, such as handiwipes or alcohol swabs, for individual use. Retail businesses also are required to provide employees and customers with access to clean restrooms stocked with soap and sanitizer, and must allow employees to wash their hands at least every 30 minutes.

  • The Maryland Retailers Association has provided a list of Maryland businesses selling face masks, hand sanitizer, and other critical medical supplies. Download the MRA’s list here. Downtown Frederick Partnership encourages you to work with local Frederick suppliers whenever possible. Downtown Frederick distilleries are also producing hand sanitizer, including Tenth Ward Distilling Company and McClintock Distilling.

 

What to do if an employee tests positive:

The CDC has provided this set of guidelines on steps an employer should take in the event that an employee tests positive for COVID-19, as well as a guide on when people can start to be around others after having (or likely having) COVID-19.

  • The CDC released updated Isolation Guidance on August 14, which states that people with COVID-19 should be isolated for at least 10 days after symptom onset and until 24 hours after their fever subsides without the use of fever-reducing medications.

 

Effective April 8, 2020, the CDC has issued new guidance for the management of critical infrastructure workers who may have been exposed to COVID-19. The new guidance allows critical infrastructure workers to continue working after a potential exposure to COVID-19, provided they remain asymptomatic and additional precautions are implemented to protect them and the community. View the Maryland Department of Health’s (MDH) updated interim guidance for employers and businesses here.

 

Small businesses (fewer than 500 employees) are mandated to provide paid sick leave and paid family and medical leave beginning April 1. Eligible employers may claim a fully refundable tax credit equal to the required paid sick leave. Small businesses with fewer than 50 employees may qualify for an exemption.

The Department’s Wage and Hour Division (WHD) has posted a temporary rule issuing regulations pursuant to this new law, effective April 1, 2020. Review the temporary rule here. This same link also includes a number of plain-language compliance assistance materials to explain the FFCRA’s benefits and requirements. The IRS website and Families First Coronavirus Response Act: Questions and Answers provides additional information about Tax Credits for Qualified Sick Leave Wages.

The Treasury Department and the IRS provide guidance in Notice 2020-54 to employers with a requirement to report the amount of qualified sick and family leave wages paid to employees under the Families First Coronavirus Response Act (FFCRA). Employers will be required to report these amounts either on Form W-2, Box 14, or in a statement provided with the Form W-2. Additional information about tax relief for those affected by the COVID-19 pandemic can be found on IRS.gov.

Small Business Exemption: An employer, including a nonprofit organization, with fewer than 50 employees is exempt from providing Paid Sick Leave (PSL) #5 (school or place of child care closed/unavailable due to COVID-19) and Emergency Family Medical Leave (EFML) when doing so would jeopardize the viability of the small business as a going concern. A small business may claim this exemption if an authorized officer of the business has determined that:

  • The provision of paid sick leave or expanded family and medical leave would result in the small business’s expenses and financial obligations exceeding available business revenues and cause the small business to cease operating at a minimal capacity; or
  • The absence of the employee or employees requesting paid sick leave or expanded family and medical leave would entail a substantial risk to the financial health or operational capabilities of the small business because of their specialized skills, knowledge of the business, or responsibilities; or
  • There are not sufficient workers who are able, willing, and qualified, and who will be available at the time and place needed, to perform the labor or services provided by the employee or employees requesting paid sick leave or expanded family and medical leave, and these labor or services are needed for the small business to operate at a minimal capacity. 

If not offering leave, be prepared to document why.

As mandated by the Families First Coronavirus Recovery Act, all workplaces must post this flyer. If your employees are working remotely, please email the flyer to your staff.

Guidance from the Equal Employment Opportunity Commission (EEOC):

The EEOC updated its guidelines in response to the COVID-19 outbreak as they relate to the Americans with Disabilities Act (ADA). See also, What You Should Know About COVID-19 and the ADA, the Rehabilitation Act, and Other EEO Laws.

 

 


EMPLOYEE RESOURCES


Unemployment Insurance:

The Division of Unemployment Insurance is housed under the Maryland Department of Labor. View a list of FAQ’s about COVID-19 and Maryland’s unemployment insurance on their website here.

  • As of August 1, the Maryland Department of Labor announced 13 weeks of extended unemployment benefits available for eligible claimants. Under federal and state law, the Extended Benefits program is available for claimants who have exhausted both their 26 weeks of regular unemployment benefits and 13 weeks of the Pandemic Emergency Unemployment Compensation (PEUC) assistance. Upon exhausting both regular and PEUC benefits, MD Labor will issue written notification to all potentially eligible claimants informing them they can apply for the Extended Benefits program in their BEACON One-Stop account. If a claimant is determined to be eligible, the weekly benefit amount will be the same as the claimant received under the regular and PEUC programs.
  • Maryland will provide all three expanded unemployment programs created by the CARES Act: Pandemic Unemployment Assistance (PUA), Federal Pandemic Unemployment Compensation, and Pandemic Emergency Unemployment Compensation. Upon availability, benefits will be paid back to the earliest date of eligibility.  A good FAQ on the benefits available can be found here.
  • The Unemployment Insurance portal for non-W2 workers opened on April 24.
  • The Maryland Department of Labor launched a new one-stop unemployment insurance application to allow all Marylanders to file all types of claims entirely online. This includes those who are eligible for regular benefits, CARES Act benefits, and individuals who were previously required to file by phone.
  • If you have technical questions, e-mail BEACON.support@maryland.gov. In your e-mail, make sure to include your full legal name, complete address, phone number, e-mail address, the last four digits of your Social Security number, claimant ID number, and/or a brief description of the issue you are experiencing.

Filing Weekly Claim Certifications Over the Phone: To connect with the Interactive Voice Response (IVR) system available 24/7, call 410.949.0022 or 1.800.827.4839, toll free. Applicants can familiarize themselves with the weekly certification questions here before calling. To connect with a live claims agent, call 1.877.293.4125, toll free. Live claim agents are available from 7AM-6PM Monday through Friday, 8AM-12PM on Saturdays and 12PM-4PM on Sundays (beginning June 14).

Employee Refusal of Recall to Work or Applicant Job Refusal:

  • If an employee refuses a recall to work or an individual refuses an offer of work, employers must notify the Maryland Department of Labor’s Division of Unemployment Insurance (DUI) within 15 days after the refusal in order for DUI to consider whether the refusal will affect the individual’s benefits.
  • Employers should use the online application linked here to report return to work dates and job refusal information.

Resources for Completing your Unemployment Insurance Application: Unemployment Guide from the Maryland Department of Labor and Updates about Scheduled Maintenance, Virtual Waiting Lines & Gating System and the Beacon One-Stop Application Username and Password Handbook

Tutorial Videos Produced by the Maryland Department of Labor:

Health Insurance:

Maryland Health Care Enrollment: As part of the state’s overall response to the coronavirus, and in an effort to prioritize health and safety, Maryland Health Connection opened a special enrollment period for uninsured Marylanders. The coronavirus emergency special enrollment period began in March and is scheduled to end on December 15.

  • COVID-19 information for individuals already covered through a Marketplace plan can be found here

Key Information on Health Insurance Under the Affordable Care Act: The Centers for Medicare & Medicaid Services has provided a tip sheet on accessing health insurance through the ACA Marketplace for employees who do not receive health benefits through their employer, as well as Health Insurance Marketplace information for businesses impacted by COVID-19.

Employee Guidance:

The Office of Maryland Attorney General Brian Frosh released a COVID-19 Employee FAQ answering some of the most commonly asked questions related to unemployment, time off, tips, benefits and more.

Job Seeker Resources: 

Free Resource for Job Seekers: The Frederick News Post is extending a free job-matching service to Frederick County residents affected by the Coronavirus pandemic. Job seeker listings will be run daily in The News-Post and posted online. To protect the job seeker’s privacy, the FNP will publish only a first name and your preferred method of contact along with your recent job history and job preferences. Your full name and address will not appear online or in print.

Frederick County Workforce Services: Workforce services has jobs available in warehouse/grocery related roles. Those interested should fill out the online form you see when you click on the website link and, probably more importantly, sign up for email updates on future job listings.

  • Workforce Services has also compiled answers to the 5 Most Frequently Asked Questions from Businesses related to COVID-19. Questions are related to eligibility for unemployment insurance as a sole proprietor, whether employees of essential businesses need to carry a letter, how to handle a reduction in hours for your staff, where to start with the CARES Act, and supporting essential staff who are still required to work in public.

Census Jobs (info from United Way): The Census Bureau is still hiring good paying jobs locally. An important point for those that apply is that once you apply you should answer all phone calls you get (even ones labeled Spam) as that may be the only way you are notified for an interview. Apply online at 2020census.gov/jobs.

Justice Jobs of Maryland is a free nonprofit jobs office. Justice Jobs is open, taking new applicants, and providing full services remotely. Open jobs include food service (drive-thru and delivery), grocery and big box stores (cashier, stocker), warehouses, patient intake/receptionist, institutional food service (medical and assisted living), office cleaning, manufacturing, and order fulfillment. Justice Jobs helps all types of people, including but not limited to those who have been judicially-involved. Employers or applicants, please call 301-360-3502 or email info@justicejobsmd.org.

Health: 

Mental Health Association: 226 S Jefferson St, Frederick, MD 21701 • 301.663.0011 • website

Frederick County Health Department: 350 Montevue Ln, Frederick, MD 21702 • 301.600.1029 • website

Behavioral Health Partners: 604 Solarex Ct, Frederick, MD 21703 • 301.663.8263 • website

Heartly House: P.O. Box 857, Frederick, MD 21705 • 301.662.8800 • website

Whitesell Pharmacy: 236 N Market St, Frederick, MD 21701 • 301.662.4848 • website

Assistance with Rent/Utilities:

Religious Coalition for Emergency Human Needs: 27 Degrange St, Frederick, MD 21701 • 301.631.2670 • website

Food Services:

Frederick Community Action Agency (Food Bank): 100 S Market St, Frederick, MD 21701 • 301.600.1506 • website

Frederick Rescue Mission (Food Distribution Center): 419 W South St, Frederick, MD 21701 • 301.695.6633 • website

Other Resources:

Spanish Speaking Community of Frederick County: 329 S Jefferson St, Frederick, MD 21701 • 240.877.7466 • website

The Salvation Army: 223 W 5th St, Frederick, MD 21701 • 301.662.2311 • website

Virtual Tip Jar:

A virtual tip jar has been set up to help Frederick County employees in the service industry (servers, bartenders, stylists, baristas, etc.) who rely on tips, and who may be missing a major chunk of their income right now. If you’re a service industry employee who wants to submit your info to the list, there is a link at the top of the Tip Jar to apply.

 

 


HEALTH INFORMATION


Frederick County COVID-19 Dashboard allows the public to track local COVID-19 statistics. The dashboard includes charts and data about testing, cases, and hospitalizations, which will be updated daily. Statistics on nursing homes will be updated each week. 

Frederick County Health Department provides information on the current status of COVID-19 in Frederick County.

Maryland Department of Health provides information and tracks the number of Maryland residents impacted to date by COVID-19.

covidLINK is the State of Maryland’s COVID-19 contact tracing initiative. Contact tracing is the process of identifying people who may have come into contact with an individual with an infectious disease, in this case COVID-19. The contact tracer reaches out by phone to someone who has tested positive for the virus to determine their whereabouts and close contacts for the two-week period of time when they may have been infectious. Learn more here.

  • Answer and/or return any calls from “MD COVID.” If you do not have caller ID on your phone, look for the phone number (240) 466-4488.
  • Stop the spread by following the guidelines provided on the call.
  • Spread the word, not the virus. Let your community know how important it is.

The Maryland Department of Human Services offers information on health resources, the Governor’s ongoing response, help for parents and more.

 

Each year, the Partnership tackles strategic initiatives to bring more residents and employees to Downtown Frederick, offers an exciting season of events and works closely with downtown businesses and partners to continue to strengthen and improve Downtown Frederick.