Paycheck Protection Program: 8 Things You Need To Know.

What is The Paycheck Protection Program (PPP)?

The PPP is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. It provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities.

  1. Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll).
  2. Loan payments will be deferred for six months.
  3. No collateral or personal guarantees are required.
  4. Payroll costs are capped at $100,000 on an annualized basis for each employee.
  5. Neither the government nor lenders will charge small businesses any fees.
  6. Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels.
  7. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.
  8. Funding is open until June 30, 2020 – but, you should apply as quickly as you can because there is a funding cap and lenders need time to process your loan.

Who can apply for PPP?

Small businesses with 500 or fewer employees—including nonprofits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors— are eligible to apply for PPP. Businesses with more than 500 employees are eligible in certain industries.

When can you apply?

Small businesses and sole proprietorships started applying on April 3, 2020. They applied through SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Starting April 10, 2020, independent contractors and self-employed individuals can apply.

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.

Follow this link to find out additional information on applying for the Paycheck Protection Program.

Make Every Moment Teachable

Warning: The video below may contain extremely adorable content.

Now may be the time to practice with your children, how to call 911.

Some children instinctively know what to say and how to stay calm in a situation others might not.

So the question of today is what would your child do if you stopped breathing? And how do you practice without upsetting your children who are inwardly or acting out their trama?

I hadn’t really thought about how my grandchildren were handling things. They were home from school with access to their parents’ digital devices and had full-time parents.

My children were a different story. From them, I got frantic calls to entertain the kids on FaceTime so they could get some paid work done while their children were busy. Mostly the calls came when I myself had an energy spirt and my own work was on a trajectory. I have managed a Zoom link with a walk around the deserted lake searching for wildlife, to hold their attention.

With the need for one parent to leave the house to get bare essentials or in a single parent or grandparent home, a young child can find themselves home alone with an adult experiencing symptoms.

The video clip, which is the cutest of all I have seen to date makes the best teaching tool for young children. They can learn the important points of information and see how someone their age is not helpless at all.

Take every moment and make it teachable.

A Grant Will Fund COVID-19 Research in Utah

The United States is a vast country, and as COVID-19 is spreading, each state is reporting numbers of those tested, those being treated, and those who have lost their lives to this pandemic. There is a fear, shared among many health care professionals and politicians alike, that the spread of this pandemic may overwhelm the current U.S health care system that seems wholly unprepared to meet its demand. Items like masks and gloves for health care workers, respirators, and urgent care beds for patients are in short supply, and a vaccine is still months from being viable. However, there’s some positive news coming out of the State of Utah where physicists have been granted a research grant to study COVID-19, and understand the impacts of the novel coronavirus.


In Utah, as of recently, 78 people have tested positive for COVID-19, 68 of them being actual residents of the state. This number is reported after more than 1500 people have been tested throughout the state (though the number may be higher because some labs only report positive results). This number has jumped, with 15 new cases in a single day, and Salt Lake City and Summit County feeling significant impacts from this pandemic.

Researchers at the University of Utah will hopefully be able to help with mitigating this pandemic, with a grant that has been awarded to them to study the spread of the novel coronavirus (COVID-19). According to Michael Vershinin, assistant professor of physics at the University of Utah, as well as co-principal investigator on this grant, the goal of this research is not to create a vaccine for this virus or find a treatment, but to understand what “makes it tick” and to inform policy decisions moving forward.

Vershinn says: “The idea is to figure out what makes this virus fall apart, what makes it tick, what makes it die.”

Together with another professor at the University of Utah, Saveez Saffarian, Vershinn has searched the fully-sequenced SARS-COV-2 genome, and have located the exact sequence genes that are responsible for the actual structural integrity of the virus. Their goal is to recreate the virus in a way that it won’t have the ability to replicate, or infect, or even spread. The goal is also to see how the virus reacts to changes in temperatures or humidity levels, which will allow an understanding of how it could be impacted by different seasons.

Vershinn also makes the point that: “viruses tend to lose their ability to infect people because they lose their structure in different environmental conditions.”

This research will help to inform actionable insights not just for this pandemic, but for those in the future, and hopefully help prevent or mitigate future disasters.

GrantWatch is committed to helping ensure that nonprofits have the proper information about grants that have been made available as a result of the COVID-19 pandemic, and our team is consistently updating this list to reflect any updates available.

Coronavirus COVID-19 grants

If your organization is seeking Coronavirus COVID-19 grants, loans, funding opportunities and financial assistance, please go to the following URL – This list of grants is ever-evolving, so check back often.

Skills for the future

Skills For Rhode Island’s Future: One of the most important elements of a society is how prepared are students who will eventually transition into the workforce. Are they prepared for the knowledge and skills that will be required of them? Will they be prepared for the types of jobs that are in high demand, will they be capable of performing jobs that will help them to move forward, and will they have access to the types of opportunities that will help them to build careers? A nonprofit group in Rhode Island has received funding to help make this a larger reality. 

For many students, ensuring that they have an internship is not just important for their future career, it may also be a requirement for them to graduate from university. And gaining access to those internships may be helpful in other ways as well, including allowing them access to contacts that can help mentor them and open opportunities along the way. A nonprofit statewide agency in Rhode Island has received a grant from American Student Assistance in order to help place students in internship opportunities.

Rhode Island's Skills For The Future

Skills for Rhode Island’s Future will use these funds to place four hundred and twenty-five students in internships plus hire three new job coaches. The grant is for 1.5 million dollars and is over a three year period. The funds will be used for Skills for Rhode Island’s Future’s current internship program. The programs currently take high schoolers and place them into paid summer internships with partner companies. 

Governor Gina Raimondo announced this grant funding this week, at a conference at Citizens Bank: 

We know this initiative is a success because we’ve seen it,” Raimondo said. “We’re seeing it and it’s working.

Rhode Island’s market executive for Citizens Bank and chairwoman of the state Board of Education, Barbara Cottam had this to say about the grant being awarded to Skills for Rhode Island’s Future:

We have a huge equity gap where, depending on your zip code, often there’s different levels of access to opportunity, to network, to get into the job market,” she said, “and I think this program is phenomenal. It brings in all students, it is blind to any of those barriers, and it gives each student a summer experience in a professional environment where they can contribute to the company and also define their career paths and what they want to do.

Who is Katherine Johnson?

Katherine Coleman Goble Johnson was an American mathematician who worked for NASA for 35 years. Her calculations of orbital mechanics were critical to the success of the first and subsequent U.S. crewed spaceflights. Katherine Johnson mastered complex manual calculations and helped pioneer the use of computers to perform the tasks.

Mrs. Johnson’s was responsible for calculating trajectories, launch windows and emergency return paths for Project Mercury spaceflights, including those for astronauts Alan Shepard, the first American in space, and John Glenn, the first American in orbit, and rendezvous paths for the Apollo Lunar Module and command module on flights to the Moon. Her calculations were also essential to the beginning of the Space Shuttle program, and she worked on plans for a mission to Mars.

Katherine Johnson
Aug. 26, 1918, to Feb. 24, 2020

10 Things you need to know about Katherine Johnson

  1. Katherine Johnson is one of the first African-American women to work as a NASA scientist.
  2. She was one of three black students to integrate West Virginia’s graduate schools.
  3. She graduated with B.S., Mathematics, and French from West Virginia State College in 1937.
  4. Mrs. Johnson was a school teacher prior to working at West Area Computing section at the National Advisory Committee for Aeronautics’ (NACA’s) Langley laboratory.
  5. In 1957, she provided some of the math for the 1958 document Notes on Space Technology, a compendium of a series of 1958 lectures given by engineers in the Flight Research Division and the Pilotless Aircraft Research Division (PARD).
  6. Katherine Johnson worked on the Space Shuttle and the Earth Resources Satellite (later renamed Landsat) and authored or co-authored 26 research reports. 
  7. In 2015, President Barack Obama awarded her the Presidential Medal of Freedom.
  8. In 2019, Mrs. Johnson was awarded the Congressional Gold Medal
  9. She was portrayed by Taraji P. Henson as a lead character in the 2016 film Hidden Figures.
  10. She died on February 24, 2020. She was 101 years old.

Featured Grant

21st Century Community Learning Centers (CCLC) Grant. Grants to Virginia Schools, Nonprofits, For-Profits, and IHEs for Out-of-School Academic Enrichment Programs. Funding is intended to support programs that help students meet standards in core academic subjects, such as reading and mathematics; offer enrichment activities that complement regular academic programs; and offer literacy and other educational services to the families of participating children. Special emphasis is placed on programs serving low-performing schools, and schools with a high-poverty student body.

Why Do I Need a Professional Grant-Writer?

Grants can greatly enable a nonprofit organization’s ability to provide services, create innovative programs, and fund operations. Finding and winning grants can prove to be a difficult challenge. Finding grant opportunities and preparing proposals takes time and skill. Grant guidelines and requirements can be confusing and difficult to navigate. The biggest challenge of all is that applying for grants is a competition and the competition is stiff.

Professional grant-writers are experienced in the grant-writing process and know what it takes to create a winning proposal. They can assist your organization in understanding the application process and prepare you to be successful. To win a grant, the funder must have confidence that the program being funded is going to successful and sustainable. Professional grant-writers can use their experience to objectively present your program’s successes and sustainability and thus increasing your potential for winning the grant.

Most importantly, a professional grant-writer is a member of your team. They are invested in your organization’s success and exist to help you help others. They are there to work alongside you as a resource and as one of your biggest supporters. The professionals at have won millions of dollars in grant funds for organizations just like yours. They are knowledgeable of every step of the grant-writing process and are eager to assist you in acquiring the funding you need to continue your success.