• This page is dedicated to providing businesses with the most up-to-date information and resources regarding COVID-19 and the business community.  Please Contact Dan Bates, President/CEO, via cell # (267) 249-9649 with any questions.

  • Important Contact information:

    State of Ohio:  coronavirus.ohio.gov or 1-833-4-ASK-ODH

    Find your local HEALTH Department 

    SBA programs for the coronavirus, www.sba.gov/coronavirus 

    Department of Justice’s Civil Rights Reporting Portal civilrights.justice.gov/

    Federal programs, visit www.usa.gov/coronaviruswww.gobierno.usa.gov/espanol (en Español).

    Employers and Job Seekers:
    State of Ohio https://jobsearch.ohio.gov/wps/portal/gov/jobsearch/home
    Butler County - OhioMeans Jobs | Butler County: ohiomeansjobs.com/butler

     FEMA with questions/concerns: Fema-nrcc-nbeoc@fema.dhs.gov

    Department of Justice’s new Civil Rights Reporting Portal civilrights.justice.gov/

  • Explore Hamilton Promotion

    The Greater Hamilton Chamber is promoting all bars, restaurants, retail, gift & specialty shops, service industry businesses and Arts, parks & recreation at www.hamilton-ohio.com/explore-hamilton.  If your business would like to be listed on that page, please complete the Business Promotion Form HERE!



  • SBA & Treasury announce simpler PPP forgiveness applications for loans less than $50,000

    paycheck protection program, PPP

    SBA & Treasury announce simpler PPP forgiveness applications for loans less than $50,000

    The goal of the new application is to streamline the PPP process and allow lenders to process forgiveness more quickly.  Click the corresponding buttons  for details.



    Forgiveness IFR


    PPP FAQ Document Updated

    The online FAQ has been updated to include the following:

    Q52 - The Paycheck Protection Program Flexibility Act of 2020 (Flexibility Act) extended the deferral period for borrower payments of principal interest and fees on all PPP loans to the date that SBA remits the borrower's loan forgiveness amount to the lender (or, if the borrower does not apply for loan forgiveness, 10 months after the end of the borrower's loan forgiveness covered period). Previously, the deferral period could end after 6 months.  Are lenders and borrowers required to modify promissory notes used for PPP loans to reflect the extended deferral period?

    A - The extension of the deferral period under the Flexibility Act automatically applies to all PPP loans.  Lenders are required to give immediate effect to the statutory extension and should notify borrowers of the change to the deferral period.  SBA does not require a formal modification to the promissory note.  A modification of a promissory note to reflect the required statutory deferral period under the Flexibility Act will have no effect on the SBA's guarantee of a PPP loan.

    Click below for the full FAQ for Lenders & Borrowers.


    Forgiveness Platform Reminders

    The SBA Office of Capital Access sent a letter via the PPP Forgiveness Platform Oct. 6 reminding lenders that to ensure successful payment processing they will need to:

    • Recheck institution settings within the PPP Forgiveness Platform (e.g. Distribution List for Email Notifications, Routing and Account Number and Interest Accrual Method Selection).
    • Perform a final check of submitted forgiveness decisions to ensure the Forgiveness Amount in the Platform matches records. As a reminder, the Platform does not accept or support corrections after payment remittance by SBA.
    • Confirm institution’s interest accrual method. Unless SBA is notified otherwise, the interest rate for Loan Forgiveness payments is simple interest at 1% using the “Bank Method” – 360/365. If your institution used the “Stated Method” (365/365) or compound interest, please make this selection within the platform under Institution settings. All questions can be directed to help@ussbaforgiveness.com

    Additional information on the forgiveness process, including relevant Procedural Notices, IFRs, and other CARES Act and PPP resources, as well as instructions for authorizing accounts and submitting forgiveness decisions in the Platform can be found in the Lender User Guide and platform videos below.


  • Free Printable Posters and Signs

    CLICK HERE for FREE printable posters and signs for Small Businesses and organizations

  • As Trump’s payroll tax holiday kicks in, here’s what employers and employees need to know 


    August 31, 2020 10:00 PM EDT 


    Employers are down to the wire to decide if they want to opt in to President Trump's so-called payroll tax holiday, and tax experts note there's a plethora of possible consequences to deferring the payroll taxes. 

    Back in early August, Trump issued a memorandum that would allow employers to defer the employee portion of the Social Security tax (that 6.2% per paycheck) for employees making less than $4,000 bi-weekly (or roughly $104,000 per year) from September 1 through December 31 this year. But guidance released by the IRS and Treasury on Friday, just days before the holiday would start taking effect, has many experts skeptical of the scheme. 

    While not explicitly stated in the guidance, experts believe it's clear employers will be able to opt out of participating—and that most would indeed skew on the conservative side and do just that. 

    The upshot is that employees could temporarily see bigger checks for the next four months, and the most an employee could theoretically receive back in their paycheck would be roughly $2,232 spread over those four months—which they would have to pay back next year, likely via higher taxes for the first four months. And in that sense, those like Andre Shevchuck, a tax partner at accounting firm BPM, note it may put employers in between a "rock and a hard place": "Saying, 'Well, here’s this opportunity to save a little bit of cash and we’re not going to follow it because it’s complex,’ is not a really good answer," he tells Fortune. But he argues if the employer is able to explain that the holiday really functions as a "very short term no-interest loan," most employees would understand it's likely not worth it, he argues. 

    Tax experts point out three things for employers to consider now. 


    It's likely you'll get stuck with the bill 

    While experts are awaiting more guidance on exactly who is on the hook for paying back the taxes, some experts suggest the big risk with participating in the payroll tax holiday is that the employer would get stuck with the bill come next year. While "It’s the employee’s tax, ... it’s the employer’s responsibility to collect and remit that tax," notes Shevchuck. 

    Ultimately, those like Christopher Moran, an attorney in the labor and employment practice group at Troutman Pepper, say employers need to consider if the benefits outweigh the risks: "Every little bit [for your employees] helps, I know, but is that significant enough to opt in to this administrative scheme?" However, federal employees may not even have the option to opt out, The Washington Post reported Monday, which would mean they could see even higher taxes for the first four months next year. 

    The language of the guidance itself is a bit ambiguous, experts note, but since it's the employer's responsibility to withhold and remit the employee's portion of the tax, "It would be the employer’s obligation to deposit anything deferred, so that becomes a potential struggle for them should any of their employees leave, the burden is on them to collect the funds in the coming year," Laura Melville, a manager and CPA at account firm Wiss & Co, tells Fortune

    And failing to pay back those taxes on time is going to cost you. The IRS and Treasury guidance spells out that "interest, penalties, and additions to
    tax will begin to accrue on May 1, 2021, with respect to any unpaid Applicable Taxes." Or, in other words, "It would be the typical penalties and interest for not fully properly withholding your payroll taxes," Shevchuck says. 


    It's a 'gamble' that Congress will forgive the taxes 

    President Trump has stated his intent to have the taxes forgiven, but he would need Congress to do that (and would also likely need to win re-election). And for employers betting on Congress acting to dismiss the tax, it's "speculative but not seemingly likely," Shevchuck believes. 

    "You are sort of gambling that it’s converted from a deferral to a forgiveness," notes Moran. 

    In the meantime, the payroll tax holiday is merely a deferral of the taxes, and based on the guidance from the IRS and Treasury, the taxes would have to be paid back ratably from January 1 through April 30, 2021. In that case, "it seems like in one hand, the employee gets the benefit upfront, and they effectively get double taxed on the next four months immediately following the year end," Shevchuck points out. 

    If many companies do opt in to the holiday, which experts note is unlikely, it "does put pressure on Congress to dismiss the tax, and that would be the only real hope there" for employees, notes Shevchuck. 


    Employees leaving could be a big problem 

    For those like Melville, the "biggest complication" for employers would be who is ultimately footed with the bill if an employee leaves during the four month deferral or even at the beginning of next year. 

    "Collecting it itself is going to be its own complication, but when you add wrinkles in if your employee were to quit or leave sometime during the September through December time period, what does that mean?" says Shevchuck. "The questions that will get posed are going to be, 'Who’s really on the hook for that tax?'" he suggests. 

    While the IRS guidance notes employers are able to "make arrangements" with employees about paying back taxes, those like Moran are not optimistic these agreements will turn out well for the person paying the check. That arrangement might look something like paying a lump sum, Shevchuck suggests, but Moran argues "in my experience, arrangements to collect money from employees who have departed are inherently problematic." 

    The bottom line, experts say, is that employers need to weigh the pros and cons of opting in. For Moran, that might mean looking at the salaries of your workforce and who would actually benefit (in other words, who makes $104,000 per year and under), and whether or not your business is in an industry that historically has high employee turnover—If that's the case, "you’re going to have problems," he suggests. 

    For now, employers may want to have conversations with their employees to make sure they "communicate clearly with the employees that it’s not a tax break, it’s a loan, and making sure they understand it’s complex and something that’s not really vetted out," Shevchuck says. "Those conversations have to be had right now. 

  • PPP Update: Treatment of Owners and Forgiveness of Certain Nonpayroll Costs

    8/26/20 – Emir Hodzic

    LinkedIn LinkedIn LinkedIn

    While the early days of April and the mad rush for Paycheck Protection Program (PPP) funds seem like ancient history at this point, many businesses are still carrying these loans on their balance sheet in anticipation that they will be soon forgiven and long forgotten. In the meantime, the Small Business Administration (SBA) released more guidance on August 11, and just recently on August 24. The most recent interim final rule can be found here and addresses several long awaited questions regarding owner-employees and treatment of related party rents.  

    First, the interim final rule defines owner-employees, as it relates to limits on their compensation to be used as eligible loan forgiveness cost, to those owning 5% or greater of an S Corporation or C Corporation. As a reminder, previous guidance issued on June 26, 2020, limits the amount of owner-compensation to be used as payroll cost eligible for loan forgiveness during the covered period to the lesser of their 2019 compensation pro-rated or actual 2020 cost. Additionally, company paid health insurance and retirement benefits paid on behalf of those owner-employees are disallowed. In no circumstance would an owner-employee’s payroll cost exceed $100,000 pro rated over the covered period. This is a relief to many S-Corporation and C-Corporation owners who own less than 5% of the stock of those entities, who based on this guidance should be treated same as all other employees of the borrowing corporation businesses. For self-employed individuals reporting business income and expenses on a Schedule C or those individuals who are members of an LLC taxed as a partnership or partners in a partnership, different rules apply and have not changed in this latest guidance.

    The SBA guidance also addresses two important, and likely most significant non payroll costs for most business, rent and mortgage interest. Borrowers must spend at least 60% of their loan proceeds on payroll; however, the remaining 40% can be used on rent, utilities, mortgage interest, and gas used for business vehicles. There are several examples the SBA points to when a borrower business is a tenant but also has a sub-tenant and, in these cases, common sense prevails where the amount of rent used for loan forgiveness should be netted against any rental income received from sub-tenants. In the case of a borrower business who owns the building and occupies a portion of the space while leasing the remaining portion and pays mortgage interest on the entire building, the amount of mortgage interest that can be used in loan forgiveness should be limited to only the fair market value of the building the borrower business occupies. As an illustration, if the leased space represents 25% of the fair market value of the office building, the borrower may only claim forgiveness on 75% of the mortgage interest. Additionally, borrower businesses working from their homes are able to use a portion of the expenses used on their 2019 tax returns as eligible loan forgiveness costs.

    Perhaps one of the most frequently asked questions we have received, is if rent payments paid to a related party are eligible for loan forgiveness. This interim final rule finally answers that question. The answer is yes, they are; however, there is a catch in that the amount of rent paid to the related party which can be used for loan forgiveness is limited to the amount of mortgage interest the related party owes during the covered period. This would suggest that if there is no mortgage on the property, then no benefit is derived for loan forgiveness. The rule clarifies that both the mortgage and lease agreement must be in place before February 15, 2020 and that a related party relationship for purposes of this rule exists if there is any common ownership between the borrower entity and the landlord entity. Additionally, if the borrowing business is paying mortgage interest to a related party, those payments are disallowed by this rule.

    Many businesses who applied for and received PPP funds in April may be ready to apply for loan forgiveness; however, many lenders participating in this program are still busy building out their loan forgiveness processes and platforms. We also are urging patience, as there are pending issues that could change the dynamics, such as whether or not expenses paid for with the PPP funds can be deducted for tax purposes. The SBA continues to issue guidance that could impact the loan forgiveness application inputs, such as this interim final rule discussed in the article. Although Congress is addressing the tax issue, it is part of a larger piece of legislation that has many other implications. The SBA allows for ten months after the covered period ends, which is either eight weeks or 24 weeks from the loan disbursement date, to apply for forgiveness and, while most businesses would like to move beyond PPP, there is no need to rush and diligence should be exercised in this process to ensure maximum benefit.

  • Kirsch CPA Group PPP Update

    PPP Loan Forgiveness Update

    We understand that many PPP borrowers are anxious to get started with the loan forgiveness process for a variety of reasons. Our Covid-19 team has kept completely updated on all guidance issued and stands ready to advise our clients on the forgiveness process at the appropriate time.


    PPP lenders have generally taken a cautious approach to the PPP forgiveness process – and for good reason. If proper forgiveness procedures are not followed, the SBA could deny its guarantee and the lender could be left "holding the bag."


    On July 23, the SBA issued a procedural notice which outlined the process for lenders to submit forgiveness decisions to the SBA. Lenders will be able to access an SBA platform to submit forgiveness information beginning August 10, 2020. Significantly, the notice stated this date is subject to extension if new legislation requires changes to the system.


    There are several pieces of legislation that have been proposed that would significantly impact the PPP loan forgiveness process, allow for additional loans, and expand the definition of covered expenses. A bill introduced by Senator Marco Rubio (Chairperson of the Senate Small Business Committee) would greatly simplify the forgiveness process for the vast majority of PPP borrowers.


    Under Rubio's proposal, loans for $150,000 or less would be forgiven by a very simple certification of the borrower. There has been a separate proposal floated to forgive these loans without the need for any forgiveness application. Loans of more than $150,000 but less than $2 million would have an intermediate level application and would have to submit limited information to the lender. For these loans, borrowers would still need to accumulate the required documentation and maintain it for three years.


    We emphasize that these are proposals. These provisions may never become law or may look significantly different than these proposals. If these or similar simplification procedures do become law, borrowers could potentially save time, effort, and money. We emphasize again that neither of these current proposals eliminates the need for borrowers to accumulate and maintain required documentation. Work will still be required.


    Given the potential impact of these changes and given that the SBA portal will not be open for two weeks, we are encouraging PPP borrowers to remain patient with regards to forgiveness and see what develops over the next several days. We understand there may be unique situations where it will make sense to move the process ahead immediately. We are ready to move forward in those situations.

    Please contact your Kirsch CPA relationship manager if you have additional questions.

    www.kirschcpa.com   |   513-858-6040   |   info@kirschcpa.com



  • Outsourced Accounting     |    Strategic Consulting

    Helping build a strong, solid future for your business.


    Who Will Run Your Business After You?

    There's nothing like a deadly global pandemic to remind us of our mortality. It's never too soon to begin thinking about what you would like to see happen to your business once you retire or are no longer able to run the company you built. The sooner you begin to plan, the greater the chances you'll reach your goal. Here's a quick overview of how to get started. 


    FASB Offers Reprieve from Updated Lease and Revenue Recognition Rules

    In June, the Financial Accounting Standards Board (FASB) issued guidance that defers the effective dates of the updated standards on leases and revenue recognition rules for certain entities. The FASB has also issued a proposal that, if approved, would defer the updated guidance for long-term insurance contracts. Here are the details, along with a deferral of the credit loss update under the Coronavirus Aid, Relief and Economic Security (CARES) Act.


    Midyear Tax Planning Ideas for Individuals

    So far, 2020 has been a tumultuous year for many people. What can you do today to possibly lower your federal income tax obligations for 2020? Here are some mid-year tax planning strategies for individual taxpayers to consider in light of recent tax-law changes, current events and potential future events.


    New Supreme Court Rulings on Immigration and Discrimination Summon Attention

    Recent legal developments in Washington are keeping employment law experts on their toes. And that means employers must also keep abreast of major issues that arise and evolve into legislative changes. Real world impacts will vary from one employer to the next, from none to acute disruption. Here's the latest from the Supreme Court that could change how you interact with employees and job candidates.



    Protect Morale by Handling Rumors Effectively

    Gossip and innuendo can shake the foundations of even strong organizations. Obviously, your company doesn't want false or hurtful stories spreading through the workplace, but how do you prevent it, especially in light of the current economic downturn due to the coronavirus (COVID-19)? Continue reading to find out how to deal with rumors — and learn why you don't want to institute a broad-based ban on certain workplace conversations.

  • Minority & Women Business Grant

    ODSA's  Minority Microenterprise Grant program ($10,000 for covid impacted small businesses)  just rolled out a bunch of changes.  Most notably,  1) minority or women owned businesses do not need to be MBE/EDGE certified to receive a grant 2) businesses that have received federal support through EIDL or PPP may now apply (they were previously prohibited). 

    Details are here: https://development.ohio.gov/bs/bs_mmegp.htm  

  • Business  |  Business Grants, Loans and Tax Credits



    Ohio Minority Micro-Enterprise Grant Program

    Many Ohio small, minority- and women-owned businesses have been hard hit by the COVID-19 pandemic. The Ohio Minority Micro-Enterprise Grant Program provides $10,000 in funding to help these companies through the current crisis and set them up for the future.

    Applicants must meet the following criteria:

    • Must be an Ohio minority or woman-owned business.
    • Must have 10 or fewer employees.
    • Must have been in operation for at least a year (no startups).
    • Must have $500,000 or less in annual revenue.
    • Must be a current full-time resident of Ohio and a full-time resident in 2019.
    • The business must be located within the State of Ohio.
    • Must be current on all State of Ohio taxes.
    • Must provide the most recent copy of each document requested for your specific type of business ownership structure:
      • Sole Proprietor – 2019 Schedule C and Bank Signature Card, or a letter, on the bank’s letterhead, explaining who has signature authority for the company’s bank accounts.
      • Partnerships – 2019 Schedule K-1 and Bank Signature Card, or a letter, on the bank’s letterhead, explaining who has signature authority for the company’s bank accounts.
      • Corporation – Stock journal or ledger, 2019 schedule K-1, Bank Signature Card, or a letter, on the bank’s letterhead, explaining who has signature authority for the company’s bank accounts, and management agreements.
      • LLC – Unit journal of ledger, 2019 schedule K-1, Bank Signature Card, or a letter, on the bank’s letterhead, explaining who has signature authority for the company’s bank accounts, and management agreements.

    Grants will be awarded on first-come, first-served basis.

    Click here to apply

  • ICRC -  COVID 




    Pandy Pridemore, Principal Consultant

    513.759.6932  Office

    513.617.3283  Cell




    Watch ICRC TV’s Facebook COVID-19 HR & Business Updates

    We LIVE Stream every Tuesday at 3:00

  • SBA Procedural Notice Regarding PPP

    The purpose of this Notice is to inform Paycheck Protection Program (PPP) Lenders of the processes for submitting decisions on PPP borrower loan forgiveness applications to SBA, requesting payment of the forgiveness amount determined by the Lender, SBA loan forgiveness reviews and payment of the loan forgiveness amount determined by SBA.

    Click here for the information.

  • What Businesses Can Expect From the Phase 4 Stimulus Package
    Congress is set to begin negotiations on the next round of stimulus.
    For business owners, new measures could bring more tax relief, renewed access to forgivable loans, and more.


    With prior stimulus measures set to expire in the next few weeks and the economy continuing to falter as the pandemic resurges across the country, Congress will meet this week and next to hammer out a new relief measure. 

    The House already passed its Phase 4 bill, known as the HEROES Act, in May. The $3.5 trillion coronavirus relief bill would provide assistance to state and local governments, extend enhanced unemployment benefits, and offer additional economic impact payments to taxpayers, among other things. The bill has been up for review since early July, though Senate Republicans, who prefer a measure with a far lower price tag, have been loath to consider it. They're expected to introduce their own version of a relief bill this week that will have to be reviewed and negotiated between the two chambers before they recess in early August.

    Several economic proposals that will affect small and midsize businesses have been building consensus among lawmakers for weeks, so the final version of the Senate bill could contain elements of all of them.

    Here are six things you likely can expect from the Phase 4 bill.

    1. The PPP will go on but in a different form.

    The Paycheck Protection Program, the $669 billion forgivable loan program aimed at beleaguered small businesses, will continue, predicts Neil Bradley, the U.S. Chamber of Commerce's executive vice president and chief policy officer. At the very least, he says, there will be a continuation of the program, which was recently extended through August 8.

    It's also possible the PPP will become more targeted. Testifying at a House Small Business Committee hearing Friday, Treasury Secretary Steven Mnuchin expressed interest in "topping off" the approximately $130 billion in remaining funds and extending the program. But he noted that it would need to be focused on certain industries like hotels and restaurants that can demonstrate actual losses, resulting from the pandemic. "This time we need to do a revenue test," he said. 

    A proposal that has been gaining ground with lawmakers, dubbed the Prioritized Paycheck Protection Program Act, or P4, offers to extend the PPP and open it up to companies that already received PPP loans (excepting for publicly traded companies), as long as they can show financial losses as a result of the pandemic.

    There's been widening support for streamlining the PPP forgiveness process, too. While certain loans are now eligible for the EZ loan forgiveness application, there's greater interest in easing things further for smaller businesses by automatically forgiving all PPP loans under $150,000 or $250,000. On that note, Mnuchin at Friday's Small Business Committee meeting confirmed interest in blanket forgiveness. "Yes, that's something we should consider," he told lawmakers.

    2. Local communities will get a boost.

    The next iteration of relief funding likely also will focus on companies in low-income and rural areas, as well as minority-owned businesses, which experienced difficulty accessing the PPP. Bradley notes that the Recharge and Empower Local Innovation and Entrepreneurs Fund (RELIEF) for Main Street Act would earmark $50 billion for cities, counties, and states to support small business local relief funds. One of the key flaws of the PPP is that it failed to reach the smallest businesses and minority-owned companies that often did not have traditional banking relationships prior to the pandemic. As this program would be run through local institutions--and not banks--the effort is seen as potentially better suited to reach these businesses. While the U.S. Treasury would operate the program, as written in the bipartisan bill introduced in the Senate in mid-May, banks would not be involved.

    Funding for block grants, operated by states and local governments, could also get replenished. The CARES Act initially provided $150 billion in federal aid to state and local governments across the country, some of which went toward grant funding for local business. 

    3. More tax relief is on the way.

    Currently PPP funds don't count as taxable income, but an Internal Revenue Service ruling prevented businesses from being able to deduct traditional business expenses paid for by those funds if forgiven. That may change soon. A bill that would allow the deduction with some guardrails, called the Small Business Expense Protection Act, was introduced in the Senate in early May.

    The Phase 4 bill also is expected to bolster and expand access the Employee Retention Tax Credit, says Bradley. Currently, companies that have tapped the PPP can't access the ERTC, which was enacted as part of the CARES Act to incentivize businesses hurt by the Covid-19 pandemic to retain employees. As part of a proposal, dubbed the Jumpstarting Our Businesses' Success Credit (or JOBS Credit) Act, which was introduced in May, the refundable tax credit--now equal to 50 percent of up to $10,000 in qualified quarterly wages--would increase to 80 percent of up to $15,000 in wages each quarter for up to three quarters. Bradley adds that there's also potential for the ERTC to expand eligible expenses to include a limited amount of fixed costs.

    4. Stimulus checks will be back but they may be less generous.

    The HEROES Act passed by the House supports another round of stimulus checks that the CARES Act authorized in March for millions of taxpayers: individuals earning under $75,000 would get $1,200, while married couples with less than $150,000 in adjusted gross income would get $2,400. The bill also would provide an additional $1,200 for up to three dependents, regardless of age. 

    Senate Republicans are likely to take a more conservative approach to the payments. Last week, White House Economic Adviser Larry Kudlow said the next round of stimulus checks may be less than $1,200, while Senate Majority Leader Mitch McConnell (R-KY) in early July stated the next round of stimulus checks may be limited to those with incomes of around $40,000.

    5. Enhanced unemployment benefits will continue, but get a haircut.

    The CARES Act's enhanced unemployment insurance, which offered an additional $600 per week on top of existing state benefits, is set to expire at the end of July. Many employers found the measure complicated the task of rehiring employees, who were suddenly earning more on unemployment than at their former jobs.

    To avoid that issue--but also ensure laid off or furloughed workers have support--Bradley says that lawmakers are considering more targeted subsidies that would vary the amount offered on a federal level to better coordinate with what's available at the state level. So between the variable federal supplement and those provided by each respective state, unemployment benefits would replace 80 to 90 percent of a worker's former wages, up to a maximum federal benefit of an additional $400 per week.

    The enhanced benefits also may come with a hiring bonus. The Paycheck Recovery Act, proposed in mid-May, offers low-wage workers--those earning less than $40,100 annually--a $1,500 rehiring bonus upon returning to work.

    6. Businesses will receive greater liability protections.

    Senate Majority Leader Mitch McConnell has made no secret of his desire to see greater liability protections for employers. The details of his approach are still unclear, though Bradley says it's likely that the Phase 4 bill will allow for some form of safe harbor for companies that make good-faith efforts to follow public-health guidelines.

  • How to Talk About This Moment

    The past few months have been especially difficult. Amid a pandemic that has uncovered widespread systemic disparities in our health care system, our nation is also dealing with a growing storm of frustration, sadness and fear over the many other forms of societal injustice and inequality that people are forced to endure on a daily basis.

    As we all continue to face these complex issues and reflect on what part we have to play in ensuring everyone is valued, respected and accepted, we wanted to share some helpful resources to help you and the ones you care about understand this critical moment:

    • How to talk to our children about racism: Watch this video that features a virtual discussion between prominent leaders in education, child development, and race and equality.
    • An activity book for African American families: Click here for information and strategies helpful for children trying to understand and cope with national crises as well as everyday hardships.
    • Children’s books: Click here to check out a list of children’s books and other resources that can help us talk to children about race.

  • Masks On Ohio


    Today, the Regional COVID Communications Center (RC3), powered by the Cincinnati Chamber, Cincinnati Business Committee/Cincinnati Regional Business Committee and The Health Collaborative, is launching a public-facing mask campaign as we prepare for the Fourth of July holiday weekend. This campaign is supported by the Governor of Ohio and P&G.  Help us protect the region by sharing the important message of "MASKS ON” to your employees and networks through social media. 

    Our goal is to have companies and organizations share these messages with their employees and customers via social media and internal communication channels. All the resources you need can be found in the attachment—please share these materials far and wide in ways that make sense for your companies.  We know through extensive testing that these messages work and help to change behavior.  

    Remember, the virus can spread between people who are close to each other when speaking, even if they aren’t showing coronavirus symptoms.  No one wants to accidentally spread the virus to someone who might have severe complications if they catch it. Because of that, healthcare experts recommend wearing face coverings in public settings especially where other social distancing measures are difficult to maintain: grocery stores, retail establishments, and even social gatherings. 

    Please see the attached pdf with instructions on how to download and post these powerful Instagram and Twitter messages throughout the holiday weekend.  Please find ways to spread these messages to all of your customers and employees.  If you have difficulty with the link to digital materials, you can access them by going to restartcincinnati.com and can download from that site. 

    We are adding Spanish language and Kentucky specific collateral later today that will be available on the website after 2pm. 

    Thank you P&G for their leadership in supporting and driving the creative behind this campaign. 

    If you have questions for the RC3, please contact Regina@rrightnowcomm.com.  


    Masks On Ohio flyer



    O 513.579.3100 | D 513.579.3175


    3 East Fourth Street, Suite 200, Cincinnati, OH 45202
    cincinnatichamber.com @cincychamber




    D 513.579.3125 | C 513.615.3472

    3 East Fourth Street, Suite 200, Cincinnati, OH 45202

  • Daymond John's 3 questions for every business owner right now
    After protesters started taking to the streets in all 50 states and around the world two weeks ago, Daymond John convened an open forum with his entire team.

    It was a chance for some employees to share their experiences with racism, economic justice, and the police. Others could ask questions without fear of judgment. “For a lot of people, this is heavy on their hearts,” John said on Tuesday during Inc.’s latest Real Talk: Business Reboot webinar. “It opened up a dialogue.”

    Listening, John said, is an important step to healing and creating a more inclusive business and community. “Listening is on both sides,” he noted. “We have more in common than we do apart.”

    Another major theme from the discussion: figuring out what’s next. John acknowledged that the coming years will be very challenging for many business owners. To deal with that, he said, every founder or business owner should start by taking inventory of what’s in front of them. Then, ask a few key questions:
    • What can I control?
    • Who can I call?
    • Who can I collaborate with?
    John offered plenty more useful advice--read our recap to learn about the power of collaboration, the importance of listening, and why you need to be full-on obsessed with your customers. You can also watch video clips of the event’s highlights, including a full recording of the hourlong conversation.

  • Coronavirus Relief Funding for counties, cities, villages and townships


    The Office of Budget and Management (OBM) is now accepting registrations from counties, cities, villages, and townships for Coronavirus Relief Funding so that funds can be quickly disbursed after SB 310 is enacted. The registration portal can be found at https://grants.ohio.gov/fundingopportunities.aspx. Note that each jurisdiction will need a DUNS number to complete the registration. Directions for obtaining a DUNS number along with how to register it in the federal SAM is located at https://grants.ohio.gov/helpfulresources.aspx#helpful-resources-DUNS-SAM-registration.

    While the CRF disbursements for cities, villages, and townships will flow from the state through county auditors, OBM considers each local government to be a subrecipient of the state and will structure reporting and monitoring that way; therefore, we need to collect this contact information and have attempted to create a process that is streamlined and easy to use.

    In addition, OBM has developed a 42-minute training to provide an overview of grants management for those who are new to managing federal grant funds or for those who would like a refresher. That training can be found at https://grants.ohio.gov/helpfulresources.aspx#helpful-resources-citizen-grant-training. If you would like to maintain a record of your training, you can register through the Ohio Learn system; if you do not need to maintain a record, you can view the training online through YouTube by clicking the direct link.

    Please contact the Ohio Grants Partnership team at OBM at grants@obm.ohio.gov with questions. 


    Katie hegarty

    Executive Assistant to the Chief of Staff Central Ohio Regional Liaison

    Lt. Governor Jon Husted

    office: 614.644.0949 | cell: 614.499.4738

    email: katie.hegarty@governor.ohio.gov



  • SBA Keys to Recovery Resources

    u s small business administration

    Keys to Recovery

    ways sign


    Additional Resources For Small Businesses

    The SBA is committed to helping small businesses recover from the economic impact of COVID-19. Additional assistance includes:

    Stay Updated

    Continue to get updated information and resources at sba.gov/coronavirus

    Follow us on Twitter at @SBAgov or @SBA_Columbus

    Subscribe to get email alerts at sba.gov/updates

  • Governor, Lt. Governor Announce New Funding Opportunities for Ohio Businesses

    Click here for details

  • NEW Ohio Small Business Grant and Loan Programs

    Find New Help for Minority Businesses


  • Sector Specific Operating Requirements


    Click here for sector specific operating requirements.

  • COVID Loan Questions?

    Click on the links below for resources: 

    Have you received your COVID loans yet?


    Call or email the SBA directly and receive updates.
    Email: disastercustomerservice@sba.gov
    Call: 1 (877) 641 8202 or 1 (800) 659 2955

  • PPP Loan Forgiveness - Additional Guidance Issued

    PPP Loan Forgiveness - Additional Guidance Issued

    The SBA recently issued additional guidance on requirements for achieving forgiveness of PPP loans. This guidance came in the form of a draft PPP loan forgiveness application and related instructions. We are in the process of incorporating this guidance into an update of our previously issued comprehensive PPP Loan Forgiveness Guide and our loan forgiveness calculator. We will communicate when that update is complete.

    Some significant issues concerning forgiveness were clarified while other questions remain unanswered. In addition, the US House of Representatives passed the Heroes Act on May 15, 2020. That Act includes several provisions that would significantly impact PPP loans. Senate Majority Leader McConnell and President Trump have clearly stated their opposition to the Act in total. However, a bipartisan group of legislators has expressed support for some of the business-friendly provisions specific to PPP loans. Stay tuned!

    The following is a summary of some of the significant clarifications and questions that remain. Note this list is not all-inclusive.

    • Confirms the eight-week period for determining forgiveness begins on the day of loan funding.
    • Provides for an alternative eight-week period for payroll only, beginning on the first day of the first payroll period following loan funding. This applies to employers with bi-weekly or more frequent payroll and eliminates the need to split payroll between payroll periods.
    • Did not completely resolve the question of cash vs. accrual accounting to determine eligible expenses during the eight-week period as the instructions include inconsistent language. We expect further guidance on this question.
    • Provides that FTE calculations will be made assuming a 40-hour workweek. A special election allows borrowers to treat employees with more than 40 hours as 1 FTE and any employee less than 40 hours at a .5 FTE. This may be advantageous in certain circumstances.
    • Provides additional calculation guidance related to the two additional tests which must be met to achieve forgiveness: maintaining total headcount and maintaining individual employee compensation at certain levels.
    • Confirms the ability to meet the headcount requirement up to June 30, 2020, and provides for excluding certain employees who do not return to work even though a position was offered.
    • Describes some of the documentation that will be required to be submitted to the lender in order to achieve forgiveness. 

    Our PPP Loan Forgiveness Guide will be updated to provide you detailed coverage of these and other pertinent topics. Please contact your Kirsch CPA relationship manager if you have immediate questions at (513) 858-6040.

    www.kirschcpa.com  |  513-858-6040  |  info@kirschcpa.com


  • Ohio Restaurant Promise

    OP3 logo2  

    Ohio Public Private Partnership

    COVID-19 Notification

    Dear Partners,
    We wanted to share the information below regarding The Ohio Restaurant Promise from our partners at the Ohio Restaurant Association.
    Ohio Restaurant Promise
    To learn more about the Ohio Restaurant Promise, click on the image above to visit the Ohio Restaurant Association website

  • COVID-19 Update: Pandemic EBT, Additional Services to Reopen, Staying Connected


  • Questions Businesses Should Ask Themselves

    Small Business Overview: COVID-19 Resources. https://ls-info.com/d/nJkyPS

    Small Business - Covid-19. https://ls-info.com/d/gZfKNf

  • Academy Rental Group -  Rental Tents and More

    As a member of the Greater Hamilton Chamber, we wanted to extend our services and discounted pricing to our fellow chamber members as Ohio starts to open back up for business for any short or long term rental needs. 

    Over the past few weeks we have been working with hospitals and essential businesses for testing tents, overflow tents, crowd control stanchions and more.  With the new regulations surrounding the non-essential business and restaurants during reopening of Ohio, utilizing our products will enable you to seat more guests at your restaurants, extend break-room areas and set up temperature testing as a pre-work check in.  

    Please contact us at 513-772-1929 or https://academyrentalsinc.com/ and mention that you are a chamber member to receive discounted rates. 

    Academy Rental Group is a local, family owned event rental company, who has serviced Cincinnati for over 25 years. We offer tents, tables, chairs, pipe and drape stanchions and other rental products. 


  • How to improve remote working right now

    Jason Fried is a bona fide expert when it comes to remote work.

    The co-founder and CEO of Chicago-based software company Basecamp has been managing his team remotely for 21 years, and has written several books about the subject. On Wednesday in the latest installment of our Real Talk: Business Reboot virtual event series he shared his wisdom on how to be a better remote leader.

    One example of his great advice: If you’re used to in-person managing, Fried said, you’ll need to rethink your communication patterns. Your employees naturally will tend to over-communicate upon going remote, thanks to the pressure they feel to constantly prove they’re working. “It’s really distracting and really damaging to company culture,” he said.

    So Fried says use phone calls or video calls for nuanced conversations or debates, rather than continuous one-line updates via apps like Slack. Or, if you’re willing to be bold, ditch those Slack-type platforms entirely and rely on email again, so your employees can consistently construct more organized thoughts.

    For more thought-provoking ideas, check out this recap of Fried’s top six tips for getting better at remote leadership right now.

    Watch the full hour-long webinar: How Remote Teams Win

    If you’re short on time, here are clips of the highlights:

  • Federal Emergency Management Agency  Information

    FEMA released information on considerations in reconstituting operations during the COVID-19 pandemic. To download the entire document in a pdf format, click HERE.

  • Facts About Mortgage Forbearance

    Take the time to think it through.
    A forbearance is not a forgiveness. It does not eliminate payments; it only delays them. Therefore, borrowers who can make their mortgage payments should do so.

    If you are considering a forbearance, you need to reach out to your loan servicer. Gain a complete understanding of the pros and cons of a forbearance, making sure you understand the repayment requirements after the forbearance period.

    • Will I have to pay back the foreborn amount all at once?
    • When my payments resume, will they be larger?
    • Will payment be tacked on to the end of my loan?

    “The borrower may be required to make all missed payments at the time they begin making payments again.”

    What is a mortgage forbearance?
    Mortgage forbearance allows homeowners to pause their mortgage payments while dealing with a short-term crisis.

    What does forbearance mean under the CARES Act?
    Under the CARES Act GSE-backed (e.g. Fannie Mae, Freddie Mac) mortgage borrowers who are facing economic hardship because of COVID-19 can get mortgage forbearance for up to a year. During this time, lenders cannot foreclose on your property.

    What happens if you’re not protected under the CARES Act?
    Borrowers with privately-owned mortgages are not covered under the CARES Act. Nevertheless, some lenders are offering forbearance and loan modification options for borrowers with privately-owned mortgages.

    Will mortgage forbearance hurt your credit?
    No, mortgage forbearance does not appear on your credit report as a negative activity. However, changes to reporting between servicers and credit agencies may not occur seamlessly so you should keep an eye on your credit report.

    "If you do pursue a forbearance, you should monitor your credit report to catch and report any errors."

    Can you sell your home during forbearance?
    Yes, homeowners in forbearance can sell their homes. The foreborn amount would become payable upon sale of your property.

    Are rental properties or second homes eligible for forbearance?
    It depends on the type of mortgage you have. GSE-backed mortgage securities are eligible for forbearance if they’re used as rental properties or second homes. However, FHA, VA or USDA loans cannot be put into forbearance if the property is used as rental property or second home.

    Bottom line
    Borrowers who can make their mortgage payments should do so. However, if you are considering a forbearance then make sure you have a complete understanding of what it entails and what your repayment options will be.


    Wes Retherford
    555 Wessel Drive
    Fairfield, OH 45014
    Direct: 513-858-7017



  • Assistance with SNAP, Medicaid ad CSFP

    Shared Harvest Foodbank, located in Fairfield, Ohio; Darke, and Miami counties.  The SNAP Outreach team is helping people apply for SNAP, Medicaid, and our CSFP program (for seniors).  If you know of any employees from any of the businesses in your area that could benefit from applying for these programs; they can call us at 800-352-3663 or 513-874-0114 to apply over the phone.  If any employee contacts us that lives outside of the counties we serve, we will gladly refer them to the correct foodbank.  Phone applications typically only take 10-15 minutes.  We will submit their application electronically and then follow up to help them through the application process until a decision has been make from their local Job and Family Services. 

    SNAP is the first line of defense against hunger and can help fill in the gap for people who are waiting for their unemployment benefits to kick in.  This program can help a person with reduced work hours and/or loss of job.  A person can't make over a certain gross income amount (also depend on size of household) in order to be eligible for SNAP.   

    List of food pantries according to city in Butler County.

    Contact SNAP to apply over the phone along with the COVID-19 updates relating to SNAP.

    List of organizations in Butler County that can help your employee

    Shared Harvest Foodbank
    5901 Dixie Highway, Fairfield, OH   45014-4207
    Voice: 513-276-9188

    Toll Free: 800-352-3663

  • Design Responds To a Changing World

    The Coronavirus pandemic has changed everything. Its impact on global wellness and the economy has forced organizations in every industry — including our own — to flex and evolve, both in real-time and in the long-term. In this collection of ideas, tips, thoughts, and strategies, we explore how design can play a role in making the world a healthier place.

    Gensler - Research & Insight

  • Non-Traditional Unemployment for Self-Employed and Others Now Available

    Ohioans put out of work by the coronavirus pandemic who don’t qualify for traditional unemployment — such as self-employed workers or those making under the state minimum — can start pre-registering Friday for a temporary unemployment program created by the federal CARES Act.

    State officials estimated Thursday that 150,000 Ohioans may qualify for the program, called Pandemic Unemployment Assistance. It provides assistance similar to traditional employment for up to 39 weeks, plus an additional $600 a week through July 25. The Ohio Department of Job and Family Services had to create a new system to process these applications outside of the traditional unemployment program. Though people can start applying Friday, payments aren’t expected to begin until mid- May. They will be retroactive to when someone became eligible, as far back as Feb. 2.

    To pre-register, visit unemployment.ohio.gov and click on “Get Started Now.” Anyone with questions can call 833-604-0774.


  • Unemployment Insurance Benefits

    The Ohio Department of Job & Family Services (JFS) just announced that they have updated unemployment insurance benefits to support self-employed individuals and contractors.  

     The new federal Pandemic Unemployment Assistance (PUA) program will provide up to 39 weeks of benefits to self-employed workers, 1099 tax filers, and some other individuals who previously were not eligible for unemployment benefits. The benefit amount will be similar to traditional unemployment benefits, plus an additional $600. The program's effective date is January 27 through December 31, 2020.

    We are excited to share this new program with you, which JFS looks forward to implementing. Like other states, Ohio is waiting for further guidance from the U.S. Department of Labor on how to operationalize it. Once it is up and running, retroactive benefits will be provided. For more information please go to https://jfs.ohio.gov

  • Job Search Ohio for Employers and Job Seekers

    Lt. Governor Husted announced that the Governor’s Office of Workforce Transformation has developed a website specifically geared toward matching essential businesses with Ohioans who are able and willing to work as an essential employee during the COVID-19 crisis.


    Both essential businesses and current job seekers can visit JobSearch.ohio.gov to post and search.


    “If you are an employer who performs a critical service, please go to JobSearch.ohio.gov to post your open positions so we can help you fill them,” said Lt. Governor Jon Husted. “If you are a person who can work, please know that there are many who need you to help keep essential services running and we encourage you to do so, even if it's only part time.”


    The site features a highly-streamlined interface with only two main links – one for essential businesses, and one for job seekers. Applicants can search through jobs in their area, their region, and the entire state.




    Local Job Search Assistance:

    OhioMeansJobs | Butler County 4631 Dixie Highway, Fairfield  513-785-6500
    The OhioMeansJobs center is open from 7:30 AM- 4:00 PM to assist people who do not have access to internet and need to file for unemployment. 

  • COVID - 19 Regional 
    Recovery Fund

    Butler County United Way and the Hamilton Community Foundation are partnering with United Way of Warren County and the Warren County Foundation to join forces with Greater Cincinnati Foundation (GCF) and United Way of Greater Cincinnati (UWGC). This partnership will create a dedicated source of funding for Butler and Warren Counties to address critical needs in this region related to the coronavirus pandemic, especially for those who will be disproportionately affected, through the COVID19 Regional Response Fund. 

    Read More....

  • Mark Your Calendar

  • Sustaining Sponsors