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From YouTube: Open for Business Mentorship Series : Session 1
Description
Webinar series to help connect local businesses to resources as part of the Open for Business Initiative.
A
While
we're
going
through
this
pandemic,
we
have
first
I
want
to
introduce
Levi
canard,
who
is
a
local
expert
from
the
Small
Business
Administration,
which
we
normally
just
ASB,
and
you
know
that
the
understanding
of
the
SBA's
programs
and
the
ideas
of
how
the
stimulus
packages
have
come
are
running
through
the
Small
Business
Administration,
so
Levi.
Thank
you
for
joining
us.
Thank
you.
A
Appreciate
it,
our
next
panelist
is
ralphing
Caldwell
she's,
the
executive
director
of
Liz
Charlotte
ralphing,
is
going
to
talk
to
all
of
us,
the
city
of
Charlotte's
micro-business
relief
fund
program
list.
Is
it
administering
this
program
for
us,
and
this
is
where
the
City
Council
has
approved
a
million
dollars
in
funding
for
on
businesses
that
will
qualify.
Ralphing
we'll
go
through
a
lot
of
that,
and
we're
really
grateful
for
her
being
here
to
get
this
program
started
and
out.
A
So
what
we're
going
to
do
today
is
the
panelists
are
going
to
answer
some
questions
towards
the
end
of
the
session,
but
we're
gonna
allow
each
of
them
to
talk
specifically
about
what
they
do
and
what
they're
doing
for
small
businesses
in
Charlotte.
But
as
we
get
to
the
end,
I
would
love
to
be
able
to
see
your
questions,
and
so,
if
you
have
questions,
please
email
them
to
charlotte
support
small
businesses,
small
business,
no
es
on
it.
Charlotte
supports
small
business
at
Charlotte,
NC
gov,
I'm
gonna,
give
you
the
website
again.
A
Charlotte
supports
small
business
at
Charlotte,
NC
gov.
Please
send
your
questions
to
us
and
we'll
spend
some
time
at
the
end
after
our
panelists
have
gone
through
an
overview
with
your
questions
so
that
we
can
get
us
the
exact
things
that
you
need:
resources
around
and
responses
to.
So
let's
begin
I'm
going
to
ask
our
SBA
leave.
I
cannot
Levi
if
you'll
start
us
off
I.
B
Appreciate
being
invited
today
to
this
webinar
I
want
to
thank
the
city
for
being
forward-thinking
and
putting
these
webinar
series
together
so
that
they
can
support
the
small
business
community.
Here,
it's
very
important
what
the
SBA
is
doing
is
we
have
two
flagship
programs
during
this
disaster.
We
have
the
Paycheck
protection
program
and
we
have
the
economic
injury
disaster
loan.
There
has
been
several
articles.
B
First
they're,
both
working
capital
program,
purpose
of
them,
is
to
help
businesses
maintain
operations
or
verge
the
gap
between
pre
crisis
post
crisis.
Now
the
the
uses
of
proceeds
are
a
little
bit
different
in
the
PPP.
You
can
only
use
them
for
payroll
mortgage
interest,
rent
and
lease
payments
and
utilities,
whereas
the
economic
injury
disaster
loan
is
a
little
bit
more
broad
and
the
operational
cost
that
you
can
use
these
funds,
for
they
are
very
sizeable.
The
we
just
got
a
new
phase
of
the
cares
act
in
which
injected
more
funding
into
both
programs.
B
Currently,
the
PPP
is
open
for
additional
applications.
It
is
my
suggestion
to
the
small
business
owners
that,
if
you
have
not
submitted
an
application
as
of
this
time,
please
make
haste
and
do
so
as
quickly
as
possible.
Right
now,
in
the
economic
injury
disaster
loans,
the
application
portal
is
still
closed.
B
If
these,
if
that
portal
does,
are
and
then
submit
your
application
as
quickly
as
possible,
very
simple
process,
a
few
businesses
do
it
takes
less
than
15
20
minutes
to
put
in
that
application.
You
just
have
to
get
it
in.
So
that's
that's
our
two
programs
right
now
I
do
want
to
answer
some
specific
questions.
At
the
end
so
I'll
hand
it
back
to
the
city.
Thank
you.
Thank.
A
C
All
right,
good
morning,
everyone
Thank
You,
Mia,
Lausanne
and
team.
Thank
you
for
allowing
me
to
present
to
you
today
we
are
lift
and
for
those
that
folks
that
are
not
familiar
with
lists.
We've
been
in
Charlotte
for
a
little
over
a
year.
Now.
This
is
actually,
though,
a
40
year
organization
that
is,
was
designed
to
connect
and
resources,
communities
and
resources,
the
resources
into
those
communities,
and
we
do
that
through
our
comprehensive
approach
to
community
development.
So
we
not
only
work
in
housing.
C
I
know
we're
known
in
Charlotte
for
working
in
housing,
but
we
also
do
we
also
work
in
health.
We
also
work
in
education
as
well
as
well
as
economic
development.
So
we
do
a
good
bit
of
work
with
our
small
businesses
across
the
country,
including
offering
technical
assistance
with
our
businesses
across
the
country
when
the
Cova
crisis
came
about.
C
One
of
the
things
that
we
talked
about
is
what
do
we
do
best
and
how
can
we
add
value
to
some
of
the
things
that
are
happening
and
some
of
the
great
things
that
all
the
other
organizations
were
bringing
together
in
Charlotte,
and
we
decided
that
being
able
to
partner.
First
of
all,
we're
thankful
and
grateful
for
the
City
of
Charlotte
for
wanting
to
partner
with
us
to
be
able
to
roll
out
a
micro
business
relief
fund
which
will
be
rolling
out.
The
application
will
be
available
on
Monday
and
we're
excited
about
that.
C
We
have
had
extensive
conversations
with
a
lot
of
small
business
is
already
in
the
last
several
weeks
and
one
of
the
things
that
we
know
that
we're
gonna
have
to
do
outside
of
this,
and
one
of
the
things
that
we
heard
loud
and
clear
from
some
of
the
businesses
is
they're.
Gonna
have
to
read.
They're
gonna
have
to
be
thinking.
Andrea
they're
gonna
have
to
think
about
their
model
and
change
up
their
model.
C
Now
that
we're
in
the
middle
of
this
crisis,
but
also
one
of
the
things
that
they
also
said,
was
that
they
wanted
to
make
sure
that
they
understood
all
of
the
different
options
that
were
available
to
them,
and
we
wanted
to
make
sure
that
so
we've
in
the
past
couple
of
weeks
have
done.
I
feel
a
really
good
job
of
making
sure
our
small
businesses
are
aware
of
the
micro
business
relief
program.
That's
going
to
roll
out
Monday
and
we're
continuing
to
move
forward
with
that.
So
we're
very
excited
about
it.
Well,.
A
The
Charlotte
City
Council
approved
a
million
dollars
in
grants
to
small
businesses
with
five
or
less
employees
through
the
partnership
with
this
fund
that
you're
talking
about
Ralph
lean,
you
tell
us
a
little
bit
more
about
the
grassroots
efforts,
especially
because
a
lot
of
these
businesses
are
along.
Our
corridors
absolutely
have
seen
we'd
like
to
encourage
people
to
be
able
to
get
back,
and
a
lot
of
these
are
very
small.
A
C
Absolutely
when
council
voted
on
the
fund
on
the
13th,
one
of
the
things
that
we
wanted
to
do
is
do
a
soft
launch,
and
the
reason
for
that
is
because
we
wanted
to
make
sure
that
the
businesses
had
time
to
be
able
to
gather
the
necessary
information
to
complete
the
application.
And
again
this
was
a
conversation
that
we
had
with
several
community
leaders
who
said
that
they
really
wanted
to
make
sure
that
we
do
a
grassroots
effort
in
the
communities
to
get
the
word
out.
C
So
we
had
fliers,
we
did
flowers
in
Spanish,
we
partnered
with
the
Latin
Chamber
and
other
organizations
to
make
sure
that
we
got
the
word
out
to
those
small
businesses.
The
program
itself
is
for
micro
enterprises,
which
is
small.
It
has
five
or
less
employees,
one
of
which
is
the
owner
of
the
business.
That's
one
of
the
first
requirements.
The
second
is,
the
business
must
be
located
within
a
opportunity
quarter
and
if
you
go
to
our
website
lists
or
backslash
Charlotte,
if
you
go
to
our
local
website,
that
map
is
on
the
website.
C
You
can
go
to
the
left-hand
side
of
that
map
and
you
can
fill
in
your
address,
fill
in
the
business
address
and
it
will
tell
you
whether
or
not
the
actual
business
is
located
in
a
corridor.
So
that's
the
second
thing
and
then
the
third
is
just
making
sure
that
you
know
exactly
how
you're
going
to
be
using
these
funds.
They
must
be
used
for
payroll,
vendors
utilities
or
rent
one
at
one
of
those.
C
Four
and
we've
had
a
lot
of
conversations
with
the
businesses
they're
pulling
together
that
information,
because
we
will
need
to
see
that
the
funds
that
are
being
used
are
federal
funds.
So
there
are
certain
guidelines
and
parameters
that
we
had
to
put
in
place.
We've
had
that
question
a
lot
is
why
don't
we
just
give
the
money,
and
we
can't
just
give
the
money
we
have
to
get.
There
are
parameters
that
we
have
to
abide
by
so
because
of
the
type
of
funds
that
we're
using.
C
We
want
to
make
sure
that
we
have
all
the
information
from
the
small
businesses
up
front
so
when
they
submit
that
information
were
able
to
look
at
their
information
and
determine
if
they
qualify
for
the
relief
fund.
The
fund
is
ten
thousand
dollars
just
up
to
ten
thousand
dollars.
It
is
a
grant,
so
it
does
not
have
to
be
paid
back.
However,
the
small
business
owner
will
need
to
sign
a
grant
agreement
and
in
that
grant
agreement,
what
it
says
is
that
they
will
actually
have
to
follow
up.
C
They
agree
to
follow
up
with
lists
with
our
team
to
make
sure
that
we
know
you
know
what's
happened.
You
know,
and
the
next
you
know
two
months
three
months,
four
months,
but
also
that's
a
part
of
our
footprint
when
we
do
small
business
lending,
we
work
with
the
businesses
holistically.
So
it's
not
just
we're
gonna
give
businesses
these
hundred
businesses
that
we
feel
like
we'll
be
able
to
serve
we're
not
going
to
just
give
them
$10,000
and
then
that's
it
and
they
won't
hear
anything
more
from
list
our
plan
is.
C
We
have
a
now
a
pipeline
of
businesses
that
we
would
be
communicating
with
through
webinars,
through
events
through
trainings,
to
be
able
to
assist
them
with
some
of
the
things
that
they
said
that
they
had
problems
with
from
this
pandemic
started,
one
of
which
is
looking
at
their
business
model.
Looking
at
strategic
planning
looking
at
their
technology,
because
we
know
now
website
and
and
digital
literacy
is
very
important,
looking
at
that
and
seeing
how
they
can
actually
be
able
to
assist
their
business
to
be
able
to
move
forward.
Should
this
ever
happen
again,
thanks.
A
For
asking
that
was
a
really
good
segue
over
to
Natalie
Natalie
graphene
was
referring
that
you're
going
to
get
an
opportunity
to
serve
100
businesses
with
this
up
to
$10,000
grant.
But
it's
not
just
about
that
grant
it's
about
the
sustainability
that
you're
going
to
have
to
be
thinking
of
to
make
these
changes,
and
so
talk
to
us
a
little
bit
about
how
your
team
is
working
with
helping
people
I
think
the
new
word
is
pivot,
that
people
are
saying
now
that,
well,
you
know
we're
reopening.
Well,
it's
not
really
reopening
the
way.
A
It
was
its
reopening
to
the
new
environment,
one
you
don't
know
if
your
customers
are
ready
to
come
back
to.
How
do
you
use
technology
different?
What
is
your
business
really
going
to
look
like
and
talk
to
us
a
little
bit
about
how
your
team
can
provide
that
support,
as
well
as
some
insights
about
how
you
see
the
world
changing
the
world
of
business,
changing.
D
D
We
see
that
a
lot
of
business
will
be
focusing
on
trying
to
develop
mental
stress
for
individuals,
and
so
that's
one
of
the
platforms
that
we
actually
provide.
We
do
technical
assistance
with
our
small
businesses.
We
provide
over
800
workshops
in
training.
We
will
be
providing
specific
COBIT
19
training
as
it
relates
to
telework
HR,
because
that
is
going
to
be
something
that's
going
to
be
looked
at
differently.
How
do
you
you
know
on
board
someone?
What
does
sick
leave?
Look
like
down
moving
forward?
D
So
now
they
have
to
go
on
quarantine
for
14
days,
so
we're
encouraging
our
customers
to
establish
their
relationships
with
the
people
that
are
really
critical
around
them,
which
will
be
their
bankers,
their
lawyers,
their
accountants,
their
insurance
people
and
their
financial
advisors
contracts
will
look
different
in
these
days
right
when
we
talk
about
lease
agreements,
when
we
talk
about
hiring
all
those
things
would
be
different
for
small
businesses
and
it's
important
for
them
to
understand
how
to
really
articulate
that
to
so
on.
What
is
the
one
coming
off
of
unemployment?
D
Look
like
how
do
you
articulate
that
I
had
one
of
my
customers
say?
Well
if
they
don't
come
back
off
the
unemployment
I'm,
just
gonna
tell
them
I'm,
saying
I
said
no
you're
going
to
get
it
written
down,
you're
going
to
establish
on
policies,
procedures,
standard
operating
procedures,
contingency
plans,
so
that
you
understand
what
is
the
risk
that
is
associated
with
your
business?
And
how
do
you
move
your
business
forward
with
that?
These
are
going
to
be
critical
steps
to
sopra
NORs,
sole
proprietors,
independent
contractors,
as
well
as
general,
into
our
mall
businesses.
D
Our
moving
forward
is
going
to
look
entirely
different,
how
we
handle
HIPAA
laws,
how
we
handle
our
customers
and
engage.
So
even
if
we
go
back
into
the
market.
What
does
telework
look
like
for
your
team?
What
are
the
policies
that
you
set
up
around
the
team?
How
do
you
clock
in?
How
do
you
make
sure
that
they're
engaging,
but
also,
how
do
you
now
engage
with
your
customers,
because
we
have
a
new
normal
right?
Things
are
not
going
to
be
the
same
as
they
were
so
we're
teaching
them
that
this
is
a
new
normal.
D
The
biggest
thing
that
we're
and
we're
enlisting
what
our
clients
are
financing.
A
lot
of
the
issues
with
the
pay
pay
pay
in
the
Eid
el
are
surrounding
the
financing,
not
necessarily
the
lack
of
the
financing,
but
the
fact
of
the
organization
of
how
to
manage
what
your
financials
look
like.
So
many
small
businesses,
weren't
unprepared,
with
payroll
information,
they
didn't
know
how
to
gather
it.
They
didn't
know
what
it
looked
like:
some
of
them
weren't
paying
themselves.
D
They
were
taking
revenue
off
the
top,
and
so
we're
teaching
individuals
how
to
make
sure
that
one
your
business
is
set
up
like
a
legal
entity.
That's
number
one
number,
two
that
you
are
following:
the
correct
tax
documentation
is
moving
forward.
If
you
are
1099
you're
filling
out
those
documents,
you're
filling
out
1096,
if
you
have
vendors,
you're,
doing
your
940s
and
your
940
ones
we're
stressing
this
to
our
small
businesses
to
become
intimate
and
to
become
abreast
of
the
documentation
that
you
need
moving
forward.
D
If
you
have
w-2s,
you
need
to
know
how
you're
categorizing
your
employees
going
forward.
Some
people
thought
that
they
have
the
ability
to
put
contractors
under
their
payroll,
and
so
that
was
an
issue
in
a
concern
that
people
didn't
understand
and
clearly
have
the
delineation
of
the
two.
So
we're
taking
time
go
through
that
in
teach
that
we're
also
walking
people
through
the
application
processes
themselves,
helping
them
to
understand
what
is
the
difference
between
the
PPP
and
the
e
IDL,
ensuring
that
they're.
D
Both
loan
programs
and
people
are
not
clear
on
that,
because
if
you
use
the
funding
from
the
PPP
in
its
improper
format,
it
will
turn
to
a
lump
and
so
we're
taking
time
out
with
individuals
to
make
sure
that
they
understand
what
it
is
that
they're
applying
for.
We
have
Resource
Partners
Charlotte
business
resources
has
been
a
great
resource
for
us.
Our
partners
in
this
room
have
been
a
great
resource
for
us,
and
so
we
are
passing
out
our
newsletter
three
times
a
week,
giving
people
information
where
they
can
find
lists.
D
You
know
our
resources,
they
give
them
to
us
and
we
shoot
them
out.
We
have
an
open
rate
of
about
thirty,
four,
twenty
five
to
thirty
four
percent.
We
have
increased
the
number
of
people
that
are
registering
for
our
webinar
by
nine
hundred
I
mean
it's
it's
almost
like
almost
tripling
in
a
month's
time,
and
so
we're
glad
of
that,
and
we
are.
D
We
are
relying
on
our
resource
partners
to
provide
that
information
to
us
so
that
we
can
disseminate
it
to
the
community
and
Mayor
we're
not
just
disseminating
information
in
regards
to
business,
but
we're
disseminating
information
as
it
relates
to
family,
as
it
relates
to
economic
stability,
how
to
stay
in
your
homes
without
being
evicted.
So
when
that
information
comes
to
us,
we're
passing
that
information
out
as
well.
A
All
right
Jim
moment
I'm
the.
A
Here
we
are
Thank,
You
Natalie,
you
that's
great
information.
Can
you
give
us
your
website
repeated
a
couple
of
times
because
I
think
you've
gotten
it
900?
She
might
be
in
1800
at
the
end
of
this
session.
So
let's,
if
you
provide
your
website
because
everything
that
you
said
about
employees,
your
clientele,
your
financials,
your
tax
issues,
all
of
those
I,
think
are
applicable
to
every
person,
that's
on
this
panel
and
I'm
sure
of
interest
to
our
small
business
community.
So
we
need
your
website.
A
We
would
try
to
make
sure
that
every
one
of
these
websites
are
accessible
under
the
city's
website
open
for
business,
which
is
something
that
I
am
really
really
glad
that
all
of
you
agree
to
participate
with
us
and
that
open
for
business
on-site
is
going
to
carry
a
lot
of
support
among
this
small
businesses,
and
we
want
to
be
able
to
provide
you
the
opportunity
to
talk
about
your
business.
Talk
about
your
services.
A
Ask
questions
so
please
continue
to
use
the
website
Charlotte's
open
for
business
website,
and
this
is
our
first
opportunity
for
you
to
provide
questions.
Charlotte
support,
small
business
at
Charlotte,
NC,
gov,
and
so
we're
going
to
open
it
up
for
questions.
If
we
have
some
questions
from
people
that
are
watching
today,
good
all
right
and
I
would
love
to
have
each
of
you
address
and
build
upon
your
strengths
and
your
wisdom
for
the
community
and
again
this
is
our
first
one
we'll
be
ready.
The
next
time.
A
Alright,
we've
got
lots
of
questions
coming
in
well,
I'm
gonna
start
off
with
Levi.
What
advice
do
you
have
when
deploying
and
Levi
and
Natalie?
What
advice
do
you
have
when
deploying
PPP
funds?
Does
everybody
know
what
PPP
funds
are
I
just
want
to
make
sure
that
so
they?
The
question,
really
is
what
advice
do
you
have
for
deploying
PPD
funds
to
be
sure
that
we
don't
end
it
but
having
to
pay
alone
instead
of
using
the
funding
appropriately.
B
So
the
best
advice
that
I
can
give
and
I'm
sure
that
Natalie's
going
to
add
a
lot
more
better
information
on
top
of
this,
but
the
best
advice
that
I
could
give
is
to
fully
document
where
these
monies
are
being
expended.
So
the
amount
of
monies
and
the
eligible
categories
that
are
going
to
be
forgiven
is
what's
expensed
on
an
8
week
period
following
the
loan
distribution
as
of
day
one
they're
going
to
start
that
eight-week
distribution.
B
So
it's
very
important
that
you're,
showing
where
these
monies
are
going
and
know
that
at
least
75%
of
the
overall
expenditure
needs
to
go
into
payroll.
If
you
get
75%
of
those
funds
into
payroll
than
the
remaining
25%
in
the
eligible
use
of
proceeds
will
be
forgiven
as
well.
Whatever
is
not
forgiven
will
convert
to
that
2
year,
1%
loan,
that's
that's
the
way
that
it
can
be
forgiven
so
make
sure
that
you're
documenting
it
follow
the
funds.
D
Levi
you
hit
on
something
that
was
really
critical.
If
they
have
an
advanced
system,
one
thing
I
would
suggest
if
you
don't
have
an
advanced
system
moving
forward,
is
that
you
invest
in
one
it's
really
critical
for
solopreneurs
and
sole
proprietors.
A
lot
of
small
businesses
feel
as
though
it's
just
me,
I
don't
need
it.
I
always
required
me
after
all
of
our
counseling
sessions.
If
you
don't
have
a
system,
there
is
a
list
of
free
systems
that
you
can
start
with
waive.
D
There
are
some
other
things
that
we
have
a
list
of
at
the
center
that
we
can
help
you
to
find,
but
it's
gonna
be
critically
important,
so
create
a
spreadsheet
at
this
point
and
utilize
that
I
spent
two
hours
on
a
call
the
other
day
with
us
business
owner
who
happened
to
get
her
funding
and
she
was
like
well,
what
do
I
spend
the
money
on
so
now.
These
are
the
new
questions.
People
have
the
money
and
they're
afraid
to
spend
it,
so
they
are
not
backed
up
with
the
loan.
D
The
loan,
so
one
thing
I
want
to
say,
is
that
with
the
two
programs
you
do
not
have
the
ability
to
double
dip,
so
be
careful
on
making
sure
that
you
have
highlighted
on
your
spreadsheet
and
that
you
are
spending
the
money
for
different
periods
of
different
times.
One
of
her
questions
was
because
she
was
a
restaurant,
was
that
I've
got
people
coming
in
and
going
out,
so
I've
got
new
people
on
the
payroll,
so
with
the
PPP,
you
have
to
remain
that
you
that
payroll
has
to
remain
consistent
to
what
you
sent
in.
D
So
if
you
started
out
with
15
employees
by
the
time
you're
8
weeks
is
over,
you
have
to
end
up
with
that
same
number
of
employees,
otherwise
and
Levi
you
chime
in
it
decreases
your
amount.
Ok,
so
just
remember
that
also
remember
how
you
will
bring
people
off
of
unemployment,
bring
them
back
into
this,
and
then
they
may
have
to
go
back
out
if
we
go
any
longer.
So
that
was
another
question
that
people
were
uncertain
on
if
I
bring
them
and
they
don't
want
to
come
back.
D
That's
a
whole
nother
legal
issue
that
you
want
to
make
sure
that
you
have
some
legal
counsel
around
on
how
you
articulate
that
to
the
team,
but
with
the
PPP
you
want
to
make
sure
75%
of
those
funds
are
covering
the
payroll.
The
other
is
for
bills
and
things
that
already
exist,
not
something
that
you're
going
to
try
to
expand,
because
this
is
not
an
expansion
loan.
This
is
designed
to
be
payroll
protection.
People
are
saying
I'm,
bringing
people
back
on
payroll
and
they're,
not
working.
B
The
only
thing
that
I
would
add,
on
top
of
that
and
Thank
You
Natalie,
for
bringing
up
that
that
restrictive
that
you
have
to
keep
that
payroll
consistent.
The
only
other
thing
that
you
need
to
be
wary
of
is
not
paying
any
individual
employee
more
than
a
hundred
thousand.
That
would
be
the
only
thing
I'd
add
so.
A
I
hear
both
of
you
and
I'm
gonna
say
this:
there
simply
it
seems
like
small
businesses,
if
you're
participating
in
this
program,
where
you
may
have
talked
to
your
attorney
once
a
year.
It
may
be
something
that
you
want
to
talk
to
you
anymore
frequently,
especially
if
you've
gotten
funding
just
make
sure
that
they're
aware
of
what
you
can
do
and
I
also
hear
that
if
you've
never
interacted
with
government
before
and
you
went
into
this
program,
documentation,
documentation,
documentation
and
you
know
I
always
say:
write
down.
A
Every
phone
call
write
down
every
conversation
every
date.
Every
item,
because
this
is
not
government
is
even
with
the
city
government
is
not
always
easy
mm-hmm
and
it's
just
it's
and
you
don't
want
to
be
in
a
situation
where,
at
the
end,
this
becomes
alone
instead,
so
I'm
gonna
go
to
the
next
question.
C
They
should
go
to.
There
is
a
email
address.
That's
on
our
website
info
dot,
charlotte
atlas,
org.
That
goes
to
all
of
us
me
and
my
team,
and
our
telephone
number
is
on
the
website
as
well.
So
I'll
just
say
it
again:
info
dot,
Charlotte
at
list
Ella
SC,
o
RG.
If
they
have
specific
questions
and
we've
been
returning
a
good
many
calls
to
small
business
owners
and
talking
to
them
through
some
of
the
application
process
to
make
sure
that
they're
ready
for
Monday.
That's.
A
C
Received
a
lot
of
information,
yes
yeah,
we
have
just
to
make
sure
again
it's
about
the
grass
roots.
You
know
we
heard
loud
and
clear
from
community
leaders
as
soon
as
the
council
approved
on
the
13th.
The
next
day,
we
have
a
lot
of
calls
from
community
leaders
saying
that
they
really
wanted
to
make
sure
that
they
got
you
know
fliers
and
the
sufficient
information
to
get
the
word
out
before
the
application
was
released,
and
we
heard
a
loud
and
clear,
so
we've
been
working
with
the.
When
is
this
ax
to
the
SBA?
C
A
C
The
Verizon
grant
for
those
that
don't
know
Verizon
gave
we
had
a
grant
from
Verizon
a
national
grant
from
Verizon
in
there
and
in
the
amount
of
1
million
we
had
one
round
that
was
about
three
weeks
ago.
I
believe
that
run
first
round
has
closed.
We
actually
did
have
several
businesses
in
Charlotte
that
will
be
awarded.
C
We
can't
announce
it
yet
because
those
businesses
have
to
get
us
one
last
document,
but
we're
excited
about
that
and
we
are
in
the
second
round
right
now
that
open
about
a
week
ago,
that
round
was
also
the
same
week.
They
were
able
to
give
us
more
funding
which
we're
excited
about
that,
but
we
also
added
Sam's
Club
to
that.
So
we're
excited
about
that
as
well.
That
round
closed
as
of
I
believe
last
night
at
midnight,
I
believe,
if
we're
on
the
my
days
on
they
stuff
between
8th
and
hopefully.
C
Hopefully,
we'll
be
able
to
do
another
round,
we're
excited,
because
this
is
not
just
a
one-off
I
mean
we're
raising
more
funds
for
that
and
Charlotte
businesses.
You
know
we
sent
the
word
out
again
to
Charlotte
businesses
to
apply
for
that
as
well.
So
we're
hoping
that
you
know
Charlotte
will
get
some
more
business
from
Charlotte.
That
would
get
the
national
grant
as
well
I.
A
We
had
a
product,
a
webinar
with
the
Gantt
Center
last
night
in
D
alva
Glenn,
who
is
the
chair
of
the
Charlotte,
our
Charlotte,
the
City
of
Charlotte
Business
Advisory
Council
said
that
some
that
we
need
to
get
everything
in
there.
There
were
private
sector
grants
and
foundations
that
were
sending
up
to
help
small
businesses
as
well.
I
wanted
to
kind
of
figure
out
where
to
go.
To
look
for
that.
Does
anyone
have
a
suggestion.
C
I
do
I
know
for
for
list
on
our
national
website.
We
have
a
list
of
national
recessional
organizations
that
are
providing
grants,
so
we
have
that
that
is
updated
on
a
daily,
if
not,
if
not
every
couple
of
hours
basis,
and
it
also
has
the
SBA
information
as
well,
so
if
they
wanted
to
go
there,
but
also
we're
local
businesses,
please
check
the
the
city's
website
is
really
incredible.
It
has
a
wealth
of
information.
C
The
Charlotte
NC
gov
has
a
wealth
of
information
on
your
site,
as
well
as
the
SBA
as
well
as
well
as
the
one
is
esse
so
I
know
people
are
bombarded
and
that's
what
we've
heard
they're
like
oh
there's
so
much,
but
they
should
pick
there
should
be
one
website
that
you
know
is
preferable.
That
has
updated
information
that
you
go
to
as
your
go
to
to
get
more
information
about
your
small
business.
This.
A
Is
really
great
to
hear
because
we
have
a
small
business
group,
that's
studying
specifically
from
our
Charlotte
recovery
task
force
and
they
meet
every
Tuesday
in
the
morning,
I
think
about
10,
10
o'clock
and
those
folks
if
they
have,
if
you
have
council
member
the
mayor,
pro-tem
Julie,
ISIL,
James,
Mitchell,
Chaka,
Khan,
re-dip,
Oh,
ash
Meera,
all
of
them
are
working
with
a
group
of
seven
are
private
sector
folks
to
build
the
site.
So
thank
you
for
talking
about
the
work
that
they're
doing.
A
B
Ma'am
the
best
programs
that
they
could
go
after
right
now,
because
the
new
disaster
loans
are
fairly
lenient
and
to
expedite
that
processing
of
the
loans
so
definitely
look
into
the
Paycheck
protection
program.
The
best
thing
that
you
could
do
right
now
is
identify
a
lender
that
is
still
receiving
applications
request
from
them
a
list
of
the
type
of
information
they're
going
to
need
to
create
that
cost
basis.
D
Can
I
say
something
about
that
solutely,
so
I
agree
with
being
prepared
for
the
Paycheck
program.
We
do
we
have
a
session
directly
after
this
with
Optus
Bank
opt
US
bank.
They
are
one
of
the
lenders
that
are
still
taking
applications
and
they're
doing
applications
for
as
small
as
three
thousand
dollars.
So,
if
you
would
like
to
get
more
information,
the
CEO
will
be
joining
us
at
12:00
noon.
To
give
some
more
information
about
that.
D
You
may
want
to
reach
out
to
your
bank
if
you
have
been
in
a
good
standing
and
ask
for
a
line
of
credit
at
this
point
right,
you
might
want
to
do
some
other
things
if
the
PPP
does
not
become
available
to
you,
because
they're
there
portals
are
so
jammed
that
I'm
afraid
that
there
may
not
be
an
opportunity
for
other
applications.
But
you
know
we
just
want
to
make
sure
people
understand
that
there's
other
balances
or
be
made
you
so.
A
I
I
think
Natalie
you're,
saying
a
billion
dollars
doesn't
go
very
far
when
it's
a
national
application
process
that
we
often
hear
locally.
Oh
there's,
60
billion
dollars
available,
but
that
is
a
cross
from
shore
to
shore,
yes,
50
states,
and
so
we
need
to
be
really
careful
that
we
do
and
understand
that
this
is
a
very
competitive
process.
The
other
thing
that
I
heard
you
say,
which
I
really
appreciate
is
once
you
figure
out
what
information
is
needed,
keep
there
for
any
other
opportunities
so
that
you're
not
having
to
start
all
over
again.
A
B
Yes,
they
are
501,
C,
3
s,
501,
C,
nineteen's
and
tribal
business.
Concerns
do
qualify
for
the
PPP
when
it
comes
to
the
economic
injury
disaster
alone,
the
guidance
that
I've
seen
says:
501
C's,
DS
and
E's,
and
so
our
main
message
to
all
organizations
that
are
considering
submitting
applications
do
so
the
guidance
and
the
policy
is,
it
seems
to
be
changing
not
even
daily
but
hourly.
So
you
want
to
have
these
applications
in
because
you
just
don't
know
the
worst.
You
can
answer
that
you
could
get
in.
B
A
This
is
good.
This
is
addressed
to
each
of
you.
What
are
the
top
three
things
that
you
would
tell
a
small
business,
whether
they're
applying
to
SBA
the
micro
loan
fund
or
counseling?
So
three
things
that
you
think
are
essential
for
small
business
is
to
know
from
your
perspective
and
your
position
this
difficult
time
we're
having.
D
Of
advice,
so
one
thing
is
as
you're
in
this
process
and
as
you
move
forward,
develop
that
business
point
so
many
small
businesses,
that's
all
per
no
words
their
sole
proprietors.
They
believe
they
don't
need
one,
but
you
definitely
absolutely
need
to
get
a
roadmap
of
where
you
are
going
so
develop.
The
business
plan
number
two
put
a
strong
infrastructure
around
your
business
as
it
relates
to
policy
procedures,
consistency,
commuity,
everything,
HR
policies,
number
three,
invest
in
yourself
and
invest
in
your
business.
You
are
unable
to
institute
any
of
these
policies
and
procedures.
D
If
you
don't
take
time
to
invest
in
yourself,
so
for
right
now,
take
this
opportunity
to
learn
things
that
you
have
not
learned
before.
There
are
free
webinars
online.
Take
the
free,
webinars
financials
are
key:
financials
are
going
to
be
key,
surround
yourself
with
the
numbers
of
your
business,
understand
all
the
numbers
that
are
in
your
business:
demographics,
market
analysis,
industries,
startup
budget
financial
projections,
breakeven
points
get
online
and
take
on
a
couple
of
free,
webinars
and
understand
what
those
numbers
mean
to
your
business.
A
C
Ralphy
yeah,
I'm,
gonna,
I'm
gonna
say
that
everything
nalli
just
said
and
I'll
say
some
three
other
different
things.
So
everything
you
said.
Let
me
give
three
of
the
different
things.
The
first
is
is
documentation.
What
we're
finding
is
we're
having
conversations,
but
the
businesses
is,
if
you
don't
know
what
your
operating
cost
are
every
month
on
a
month-to-month
basis.
That's
that's
something
that
you
really
have
to
think
about.
You
need
to
know
that.
C
C
Have
they
don't
have
websites,
so
people
didn't
know
that
they
were
open
or
they
didn't
know
that
they're
now
going
towards
you
know
to
go
rather
than
eating
in
their
restaurant,
and
things
like
that,
so
website
is
really
really
important
and
technology
is
important,
I
mean,
and
the
last
thing
that
I
would
say
is
don't
give
up.
You
know
because-
and
that's
just
that's
just
you
know,
just
advice-
don't
give
up,
because
I've
had
folks
that
have
called
and
they're
like.
C
Well,
you
know
if
I
complete
this
application,
if
you
like,
for
example,
the
Verizon
application
is
private
funds.
It
was
an
application
that
took
about
ten
to
fifteen
minutes
to
complete,
but
that's
private
funds.
If
you're,
using
if
you're,
trying
to
get
federal
dollars,
anything
with
federal
or
state
dollars,
it
is
gonna.
Take
a
little
process,
is
gonna,
be
a
little
bit
longer
and
it's
gonna
take
require
more
of
you
and
more
information
that
is
needed
in
order
for
you
to
get
federal
funds.
So
you
have
to
be
able
to
differentiate
between
the
two.
B
Thank
you,
some
of
the
three
things
that
I
have
as
I
would.
I
would
definitely
say,
maximize
your
quarantine
in
no
time
during
a
business
owner
the
life
of
a
business,
has
there
been
a
time
where
a
business
owner
just
had
to
stop
and
start
working
on
the
business
instead
of
in,
and
so
I
say,
definitely
look
at
how
what
all
our
resource
partners
are
saying
now:
transition
into
a
form
of
business
that
meets
the
current
situation.
The
second
one
would
be
look
into
business,
development
opportunities
and
governmental
contracting
I'm.
B
A
huge
advocate
for
government
contracting,
I
love
it.
So
at
this
time
register
with
the
city
register
with
the
county,
the
state
and
look
at
preference
programs
in
the
federal
government.
The
federal
government
is
largest
purchaser
goods
and
services
in
the
world
six
hundred
billion
a
year,
maybe
more
now
so
definitely
look
into
these
opportunities
in
position
yourself
for
them.
Lastly,
I
would
say
position
yourself
for
future
disaster
loans.
I,
don't
believe
this
is
going
to
be
the
last
wave
of
funding
into
these
programs,
and
so,
if
you
haven't
received
it
now,
don't
get
discouraged.
B
But
look
at
what
you
have
to
do
and
be
ready
when
your
opportunity
does
come.
I
think
that
they're
starting
to
refine
the
process.
This
wasn't
perfect
out
of
the
gate.
This
is
the
largest
stimulus
package
in
all
of
history.
They
built
it
in
five
days.
Yes,
there
wasn't
perfect
some
businesses
that
didn't
need
it
did,
get
it
but
they're
starting
to
implement
policy
so
that
it's
going
to
the
directly
to
the
businesses
it
was
intended
for
and
so
give
that
paperwork
together
and
be
ready
when
your
opportunity
tonight.
A
That's
great
I
have
two
questions
that
have
come
in
and
I
think
they
kind
of
blend
together.
So
what
the
first
one
is,
this
person
has
been
able
to
pivot
their
business
so
that
revenue
is
still
coming
in
and
she
wants
to
help
others
and
she
asked,
or
he
or
she
asked,
is
there
a
group
I
can
get
enough
help
with
to
share
my
experience
with
other
businesses
in
Charlotte
and
then
another
question
is
how
do
I
find
is
to
support
organizations
where
we
can
share
information
where
we
I
can
I
can
find
a
mentor.
A
A
D
I
would
say
this:
we
are
available
for
that
particular
type
of
platform.
So
mayor
we
have
put
together
something
called
forward
focused
future.
We
do
this
every
two
weeks
to
talk
about
women,
to
talk
about
our
stories
and
share
our
stories
about
what
we're
going
through.
That
is
an
exact
platform
that
we
want
to
have
people
beyond
to
share
their
stories
and
share
what
they
are
doing
successfully.
We
are
also
doing
a
session
called
Monday
night
highlights
in
place
of
Monday
Night
Football.
D
But
we're
doing
Monday
night
highlights
and
we're
just
going
to
highlight
small
businesses,
their
successes,
what
they
have
as
a
service
so
that
other
individuals
can
identify
so
to
Delphine's
point.
You
know
if
you
don't
have
a
website
and
people
don't
know
that
you
exist.
There
are
other
organizations
that
are
doing
that
and
I
would
say
really
to
go
out
to
look
like
Lincoln
to
find
it.
I
don't
know
one
particularly,
but
there
are
a
lot
of
other
resources
that
are
absolutely
doing
you
now
to
making
that
platform
as
well.
I.
A
Had
a
conversation
briefly
with
key
Alliance
who
runs
pop
bar
and-
and
she
is
a
young
African,
American
woman
that
has
started
this
business
and
she
said
to
her
advice-
was
anyone
that's
running
the
business?
We
need
to
share
this
information
and
build
our
own
community
and
Kia
said
I'm
willing
to
do
that,
and
she,
even
though
her
business
is
down
she.
She
is
still
saying
that
when
we
come
out
of
this,
if
we
come
out
stronger,
if
we
all
work
together,
so
that's
great!
Well,
that's
good!
A
For
here,
I
have
another
question:
I'm
a
small
business
with
ten
employees.
Are
there
state
loan
programs
that
should
be
targeted
for
applications,
so
we've
talked
about
what's
happening
at
the
city.
Level
talked
about
the
federal
level,
but
are
there
state
programs
or
any
of
you
aware
of
that?
What
would
you
suggest
I
do.
D
Believe
there
are
some
programs
and
you
might
be
able
to
find
a
lot
of
them
on
the
US
Treasury.
Well,
I'm,
sorry
I
know
the
North
Carolina
Institute.
My
host
and
agency
is
working
directly
with
the
state
in
regards
to
release
me
some
types
of
release,
fun
and
in
programming.
Also,
we
do
have
a
website
in
our
newsletter
that
gives
you
information
about
who
has
funding
available
so
there's
Federal
Reserve
dollars,
just
a
lots
of
dollars
that
are
out
there.
You
just
have
a
full
time.
D
Job
at
this
point
are
trying
to
figure
out
where
it
is
because
it's
not
all
centralized
into
one
location.
But
again
to
your
point.
You
know
the
city
is
doing
a
great
job
with
their
website.
You
know,
there's
other
funding
agencies
carolina
small
business
development,
self-help.
You
know
that
are
local
to
the
area,
so
I
would
say
you
know,
try
the
US
Department
of
Treasury
website
try
the
US
Department
of
Commerce.
Those
have
really
good
resources.
Insights
information
in
regards
to
lending
so.
A
I
think
this
is
another
one
of
the
questions
that
we
are
glad
to
have
the
city's
website
open
for
business.
We
encourage
people
to
come
to
us
and
if
there's
information
on
state
programs,
we
will
try
to
get
that
posted
I
do
think
it
can
be
overwhelming
and
there's
a
lot
of
information
and
I
leave.
I
said
this
very
well:
you've
had
to
stop
working,
especially
when
you
think
about
what
we
call
the
close
contact
on
businesses,
our
beauty
shops,
our
salons,
our
nail
stations,
our
massage
from
all
of
those
things.
A
A
A
B
If
he's,
if
they
are
referring
to
the
PPP,
their
business
can
still
apply
for
that
for
what
they
pay
themselves,
but
the
independent
contractors,
the
1099s,
are
all
considered
their
own
small
businesses
and
will
need
to
file
or
an
application
for
their
own
business
for
themselves.
That
that's
that's
the
line
that
we
have
to
toe.
Let.
A
A
B
There
so
to
define
the
timelines
as
long
as
they
were
in
business
before
January
30th,
the
ID
alone
or
the
economic
injury
disaster.
Loan
is
available
before
February
15th,
the
PPP
is
available,
but
even
if
they're
not
it
comes
down
to
regular
financing
programs
and
the
SBA
does
have
an
ongoing
program
lending
program
that
is
going
to
go
on,
go
on
indefinitely
and
that's
the
7a
and
the
504
loan
programs,
and
both
of
these
all
the
years
past
have
done
hundreds
of
millions
of
dollars
in
North,
Carolina,
so
they're,
very
prominent
programs.
B
They
can
definitely
access
those
and
the
way
that
you
do
that
is
you
take
a
regular
application
to
a
lending
entity.
They'll
do
their
due
diligence,
identify
your
ability
to
repay,
for
instance,
and
then
make
it
decision.
If
there
is
a
weakness
in
there,
then
they
can
read,
they
have
the
option
to
reach
out
to
the
Small
Business
Administration
and
we
can
guarantee
85%
up
to
150,000
seventy-five
percent
up
to
five
million,
and
so
those
are
definitely
available.
So
those
are
the
options
that
I
know
of
I
can't.
A
Believe
that
we've
actually
covered
55
minutes
of
this
conversation
in
dialogue
and
I
know
that
we
could
do
more,
but
I
really
want
to
say
thank
you
to
our
panelists.
You
have
really
made
a
difference.
This
information
will
be
on
our
website
and
we
are
grateful
to
work
for
our
small
businesses
to
have
this
kind
of
expertise
to
spend
this
kind
of
individual
time.
I
want
to
say
thank
you
to
each
of
you
for
doing
that.
You
have
made
a
real
difference
and
I
know
that.
A
But
what
is
the
Martin
Luther
King
saying
the
measure
of
a
man
and
a
woman
I
would
say
now
is
not
when
times
are
comfortable,
but
when
times
are
uncertain
and
difficulties
are
with
us.
We
can
do
this
because
we
can
stand
through
this
time.
Our
small
businesses
continue
to
send
us
your
questions
and
as
you're
navigating
this
with
the
impact
of
code
at
19
I
want
you
to
be
well.
We
will
continue
to
have
the
series
of
mentoring
through
our
business
mentorship
program.