Coronavirus Resources for Churches
Mid-Council Partners: The following letter will be sent to all loan customers
Dear Partners In Christ,
As many of you know, the CARES Act recently passed by Congress that provides financial assistance in the face of the COVID-19 pandemic includes an SBA loan provision. This Small Business Administration (“SBA”) provision offers $349 billion in loans with preferred terms to assist for-profit and non-profit organizations during this challenging time. The specific program is the Paycheck Protection Program (PPP). Legal counsel for the denomination has reviewed this CARES Act and believes that churches do qualify to apply for these loans.
In order to apply you must go through a financial institution that is an SBA lender. The Presbyterian Investment & Loan Program is not allowed to be an SBA lender due to government restrictions. You may want to contact your local bank to see if they are an SBA lender or if they know of one in your area. A list of lenders in your area can be found on the SBA website. In case you do not have sufficient information on the PPP loan program and the application process we have provided you with some resources that we believe are helpful.
The Treasury Department has published a list of resources which they recommend you read to keep up-to-date on the PPP. You may reach Treasury's resources through the following website: https://home.treasury.gov/cares This website has an excellent summary of what is being offered and a direct link to the application. You can apply beginning this Friday, April 3, 2020. There is a limit on the funds available so timing may be important. Here is a quick summary of the PPP:
- Loans are administered by SBA Approved Financial Institutions
- Loans are lesser of $10 million or 2.5% times average monthly payroll costs incurred during the 12-month period prior to the loan date
- Calculations for seasonal and new business can vary
- Interest rate on residual loans is 4% or less
- Term of the loan is up to 10 years
- Deferral is 6 to 12 months (interest accrues during deferment)
- Prepayment is eligible
- 501(c) (3) nonprofit organizations are eligible
- Usage can be for payroll and related benefits, interest on mortgage payments, other debts, rents and utilities
- EIDL loans may not be refinanced into a PPP loan
- No collateral needed from church or its members
- No guarantees needed
Please also refer to the denomination’s legal counsel summary of the CARES Act. You will find information on the PPP in the first section of this CARES Act summary.
We recommend that you inform your presbytery of your congregation's intent to apply for PPP. For further information you should refer to the Department of the Treasury website or your SBA lender.
You remain in our prayers.
James G. Rissler
President & Chief Executive Officer
Presbyterian Church (U.S.A.) Investment & Loan Program, Inc.
Grant Money to Help Congregations
The presbytery is offering up to $500 per congregation to use for whatever you need to stay connected in these challenging times. We're calling this the 2020 Staying Connected Grant.
We make no stipulations about how you use the money; your session can determine what is best for your ministry.
So if you want to buy a camera for live streaming or a router and internet access or anything else that will help, we have $500 to make that happen.
Simply fill out this form and email it to Dave Johnson, PSV Finance Chair at , or mail to:
Pastor Dave Johnson
Cortland United Presbyterian Church
25 Church Street
Cortland, NY 13045
Our Creative Ministry Fund is enabling this to happen.
~~ the PSV Cabinet
Responding to the COVID-19 pandemic
Letters from our Moderator, Rev. Kimberly Chastain.
Free Conference Calls
Have members who don't have Facebook but want to connect? You can have a conference call through FreeConferenceCall.com . This may be a way to stay connected. Once you sign up, you will be provided with a Dial-in Number and Access Code for immediate conferencing, and an Online Meeting ID for hosting meetings with Screen Sharing and Video Conferencing.
Your account is available to you 24/7 and there is no need to schedule or make any reservations. Each audio conference can accommodate 1,000 callers on an unlimited number of free conference calls.
A new service COM subscribed to for all churches. Click on the name above for access to a variety of helpful videos and webinars, including how to be church online.
This introduction letter from PRC gives more information on the service.
CORONA-VIRUS GUIDE pulling together worship items, federal guidelines and much other useful information.
For church members
For Church Leaders
A good article from Christianity Today including resources to determine the risk level at your church with appropriate responses.
Presbyterian Outlook COVID-19 news & resources
‘Church attendance is an individual choice’
PCUSA Stated Clerk speaks about in-person worship and the coronavirus, and a PC(USA) office has gathered live streaming guidelines
Presbyterian Disaster Assistance releases pandemic preparedness guide
Common-sense tips for congregations and individuals during the coronavirus outbreak By Mari Graham Evans| Presbyterian News Service
LOUISVILLE -- In light of the global outbreak of the COVID-19 virus, more commonly known as the coronavirus, Presbyterian Disaster Assistance (PDA) has released a “Preparedness for Pandemics” guide for congregations.
The guide contains valuable, common-sense tips on what congregations and individuals can do to keep themselves safe in the midst of a “severe infectious disease outbreak.”
According to the guide, congregations can take simple precautions like creating a task force that is in charge of coordinating a response within the congregation and the surrounding community. Congregations are also urged to ask members who are sick to stay home, have alcohol-based hand sanitizers (containing at least 60% alcohol) in or around bathrooms and pay increased attention to cleaning overall.
“It is important for faith leaders to proactively model protective health practices in congregational life, resist and renounce the racism and xenophobia at this virus’ geographic point of emergence, and make sensible plans to support vulnerable and isolated members of their community,” said the Rev. Dr. Laurie Kraus, PDA’s director.
Kraus added that congregations should also consider alternative ways for the congregation to come together in case regular services need to be suspended.
For congregations interested in holding virtual Sunday services, the guide provides suggestions. For example, congregations may consider using video conferencing services like Zoom, livestream through YouTube or Facebook, or post sermons online to their church’s website or social media channels. (Additional questions about the use of social media or other digital platforms can be directed to .)
During what can be a frightening time for many, PDA encourages congregations to remain as calm as possible and to follow common-sense measures to keep their communities safe.
Presbyterian Disaster Assistance serves as the emergency and refugee program of the Presbyterian Church (U.S.A.). Their responses to emergencies are made possible thanks to your gifts to One Great Hour of Sharing. Learn more at pcusa.org/pda.