Good afternoon partners,

We are closely monitoring the Coronavirus (COVID-19) pandemic as it relates to Pennsylvania and Clearfield County. Our top priority is the safety, health, and wellbeing of our community, its residents, and visitors. This is a rapidly evolving situation that changes by the hour and there is a lot of uncertainty. We are providing you resources below for your business and employees; Please forward to any colleagues in the industry that you feel would benefit from this information.

Please click on the link below to stay informed. The Centers for Disease Control and Prevention is one of the best resources for this pandemic:
https://www.cdc.gov/

We at Visit Clearfield County are here for support and guidance during this pandemic and we will be here afterwards. We want you to know that we will do our best to help you and support you in whatever way possible. Let's stick together as a community and do what we can to help others. Please, do not hesitate to reach out to us in these desperate times.

Sincerely,

Josiah Jones
Susan Swales-Vitullo
Betsy Hainsey



 

Green Phase

 

The governor elaborated on green phase guidelines announced on May 22 by issuing an updated order for counties in the green phase of reopening.


The orders from Governor Tom Wolf and Secretary of Health Dr. Rachel Levine include these provisions:

  • Suspends all previous stay-at-home orders and replaces them with the new green phase order for these counties, effective at 12:01 a.m., Friday, May 29: Bradford, Cameron, Centre, Clarion, Clearfield, Crawford, Elk, Forest, Jefferson, Lawrence, McKean, Montour, Potter, Snyder, Sullivan, Tioga, Venango, and Warren.
  • The order includes provisions for businesses that were permitted to conduct in-person operations in the yellow phase, those permitted to operate with some restrictions on in-person operations and those that were not permitted any in-person operations under the yellow phase.
  • The order also includes guidance on occupancy limits and health and safety orders that business must adhere to under the green phase.
  • Specifics are included on those areas that have raised questions from business owners and residents, including:
    • Personal care services, including hair salons and barber shops must operate by appointment only; appointments or reservations are also strongly encouraged for gyms or spas.
    • Any gathering for a planned or spontaneous event of greater than 250 individuals is prohibited. This includes, but is not limited to, a concert, festival, fair, conference, sporting event, movie showing, or theater performance.
    • Churches, synagogues, temples, mosques and other places of congregate worship are specifically excluded from the limitations established by the order. These institutions are strongly encouraged to enforce social distancing and other mitigation measures such as masking at their gatherings.
    • Visitation to prisons and hospitals may resume subject to the discretion of the facility. Visitors who interact with residents and patients must be diligent regarding hygiene. Given the critical importance of limiting COVID-19 exposure in nursing homes, nursing home visitation restrictions will initially remain in place.

Work & Congregate Setting Restrictions

Retail food service businesses, including restaurants, and bars located in counties designated as being in the green phase are permitted to provide take-out and delivery sales, as well as dine-in service in both indoor and outdoor seating areas, so long as they strictly adhere to the requirements of the guidance, including maximum occupancy limits:

  • Bar seating may be utilized if customers are seated and comply with physical distancing guideline of at least 6 feet or physical barriers between customers. Standing in a bar area will not be permitted.
  • A maximum of four customers that have a common relationship may sit together at the bar, while adhering to the physical distancing guidelines or barriers between other customers.

No business is required to conduct in-person operations and should not do so if unable to follow applicable guidance.

Dining guidance provides businesses and employees in the restaurant and retail food service industry with specific details on operations, including following the Guidance for Businesses Permitted to Operate During the COVID-19 Disaster Emergency to Ensure the Safety and Health of Employees and the Public, available here, and provisions specific to mask-wearing, table-spacing, occupancy limits, sanitization, and implementation of a COVID-19 prevention plan, among other provisions to ensure worker and customer safety.

The dining guidance also notes that restaurants and retail food service businesses located in counties designated as being in the red phase are permitted to provide take-out and delivery sales only and may not allow the service or consumption of food or beverages on the premises.



Clearly Ahead Development has been working with Pennsylvania's Department of Community & Economic Development (DCED) to identify ways to alleviate some of the financial strains that the Covid-19 pandemic is causing to businesses in the Commonwealth.

We are pleased to announce DCED launched a new funding program called the "Covid-19 Working Capital Access" program. This loan program will REIMBURSE eligible companies for working capital expenses that have been incurred within the past 3 months from the date of application. This means that a company which applies for funding from this program will need to provide documentation for every single reimbursable expense the business would like to receive funding for as working capital.

No funds will be distributed for anticipated future expenses. The idea of the program is to reimburse you for the PRIOR 3 month's working capital expenses which can then use to cover the NEXT 3 month's working capital expenses. Keep in mind this IS a loan program and the funds WILL need to be paid back. The full details of the program are available at www.dced.pa.gov/cwca. However, we have attached the CWCA guidelines and all exhibits REQUIRED for completion of the CWCA loan application.

  • Applications for the CWCA program must be submitted through a Certified Economic Development Organization (CEDO). Clearly Ahead Development is a CEDO so you are welcome to submit for this program through our office. However, to ensure expeditious submittal of your application, please pay close attention to the submission instructions at the bottom of this email.
  • An eligible business is a for-profit entity located in the Commonwealth with 100 or fewer full-time employees at the time of submission of the application.
  • Only operating costs are considered eligible costs for this program so items like rent, inventory costs, payroll, utilities, etc. (real estate, fixed assets, machinery & equipment are ineligible costs).
  • All eligible costs submitted must be accompanied by appropriate documentation (we're working to get clarification from DCED on what constitutes acceptable documentation but at this point, our understanding is that copies of paid invoices/receipts fulfill this requirement.
  • Eligible costs cannot be more than 3 months old (so for example, if you apply for the program on April 1, you can submit any costs incurred from January 1st - March 31st).
  • Maximum loan amount is $100,000 OR the total sum of your prior 3 months documented operating expenses; whichever is LESS.
  • The interest rate on the loan is 0% for retail/service enterprise, defined as a for-profit business entity that is involved in the business-to-business service, business-to-public service, mercantile, commercial, or point of sale retail sectors.
  • There are NO job creation or retention requirements for this loan.
  • The loan term will be 3 years with a 12-year amortization (to give you an idea of what the payment amount could be, the maximum loan in the amount of $100,000 on a 12-year amortization would have a monthly payment amount of $694.44). However, to further assist companies with their immediate term cash flow, there would be ZERO payments due the first 12 months of the loan. Monthly payments would be due in months 13-35 with a balloon payment for the remaining balance due in month 36.
  • The loan will be secured by a blanket lien on all business assets currently owned or acquired in the future.
  • Any individual or entity with a 20% or greater ownership interest in the business entity will be required to personally guarantee the loan.
  • Entity must be able to demonstrate a 1:1 debt service coverage ratio of existing debt (NOT including this new debt).

At this point, the Commonwealth has authorized $60M to be made available for this program for the entire state. We have learned that when the shutdown order for non-essential businesses was issued by the Governor, DCED had received over 15,000 waiver requests! We anticipate the demand for this program will be equally as immense and so applying for this program in a timely manner is of utmost importance.

Submission Instructions:
  1. If you wish to apply for CWCA funds, please send an email to Rob Swales (rswales@clearlyahead.com) or Paul McCloskey (pmccloskey@clearlyahead.com) indicating that you would like to apply to the CWCA program
  2. In your initial email, please include the following information which will be necessary for the online application that Clearly Ahead will fill out on your behalf:
    1. Entity Type (LLC, S Corp., C Corp., etc.)
    2. Full Company Name
    3. NAICS Code
    4. FEIN
    5. CEO Name
    6. CEO Title (if different than Chief Executive Officer)
    7. Company Contact Name
    8. Company Contact Title
    9. Company Contact Phone #
    10. Current # of Full-time Employees
  3. Compile ALL the necessary documentation outlined below.
  4. Once ALL documentation is completed/compiled, scan all documents into ONE SINGLE DOCUMENT. Then email to Rob Swales or Paul McCloskey. Please refrain from sending multiple emails with multiple documents. Failure to submit all compiled documents will result in an incomplete application and will be rejected for submission.

To assist you with providing the needed documentation as expeditiously as possible, at the bottom of this email is what is REQUIRED by the State at this time in order to process the loan application. Again, applications CANNOT be submitted by our office unless every item requested is provided at time of submittal.
  1. A project narrative including the following information: (a) amount of the loan request (b) a brief description indicating whether or not the applicant business temporarily closed operations due to COVID-19 and if so, the date the closure started as well as the date operations resumed, if applicable (c) a brief description of the adverse financial impact caused to date by COVID-19 and (d) a brief description for how the working capital loan proceeds will be used to finance the business operations.
  2. A Company Profile Sheet [Exhibit A - attached] should be downloaded & completed.
  3. A signed W-9 form (Attached) for any individual or entity serving as a Borrower or Co-Borrower.
  4. A signed Certification Sheet [Exhibit B - attached] for the applicant company(s) and each principal or entity with 20% or more ownership should be downloaded & completed.
  5. An individual credit report less than six months old for any individual with 20% or more ownership in the operating entity. A free credit report from Transunion, Experian, or Equifax is acceptable.
  6. For businesses with an operating history of one year or more, if available, the most recent year end accountant prepared financial statements or the most recent filed tax return.
  7. For businesses with less than a year operating history, the most recent available management prepared financial statements.
  8. Debt Schedule [Exhibit C - attached] outlining all existing debts of the operating entity. This form is not required if accountant prepared financials are provided and include a detailed debt schedule. The attached Debt Schedule should be downloaded & completed otherwise.
  9. Cash Flow Analysis Statement [Exhibit D] demonstrating the debt service coverage ratio for the loan request.
  10. Signed and Dated Personal Financial Statement [Exhibit E - attached] no less than 12 months old for all individuals with 20% or greater ownership in the eligible business enterprise.