What You Need to Know about COVID-19

EM Global Group is committed to helping out our community during these hard times. We are keeping this page up to date with the latest information and providing you with links to accurate and up to date policies and procedures to best stay safe and ahead of the pandemic.

                       COVID 19   


EM Global Group Divisions


Print Division – Fully Operational

Mailing Center- Operational

We have restricted public pickup but are scanning in the mail daily.
We will still forward and process payments as they come in.

What we are doing to help clients during this time.

We understand that this shutdown is affecting most businesses in a very negative way. That is why we are implementing policies to help out our clients and community. We are offering free consulting services to all businesses impacted by the COVID-19

These sessions will include

Planning  to use what resources are available to minimize the
impact on your sales/ orders.

Local/State/ and Federal funding that is coming in to help small
businesses and best policies to get the maximum benefits from this funding.

This service is being offered free of charge as our commitment to help
our community. We are working with state and federal legislators to help our community and clients. 

The US $2T Covid-19 Stimulus Package:  Small Businesses

The largest economic recovery package in American history has been signed into law by President Trump. Under the stimulus package, the Small Business Administration (SBA) will oversee a 7(a) program to distribute $350 billion to small businesses in forgivable loans to cover employee wages, salaries, and benefits. This forgivable loan program aims to ensure that small businesses won’t have to resort to laying off employees.

The forgivable loan program offers the following:

  • Loans of up to $10 million for businesses with 500 or less employees.
  • Loans’ interest rates capped at 4%.
  • Deferred interest payments for six months to a year.
  • No personal guarantees or the use of assets as collateral required.
  • Funds spent on eight weeks’ worth of payroll expenses will not need to be repaid.
Here are some of the most pressing questions and answers for small business owners:


Who can apply for the loan?


  • Businesses and nonprofit organizations with less than 500 employees, with certain exceptions; and – were operational as of February 15, 2020 or earlier – can show proof of payment for employee salaries, payroll taxes, or independent contractor fees.
  • Self-employed and gig workers, including ride-sharing company drivers.


How to apply?


  • Through banks, credit unions, and private lenders approved to issue 7(a) small business loans.
  • There are plans from the Treasury Department to roll out new regulations that will make it possible for almost all FDIC-insured banks to release SBA loans.


How much money can be taken out for a loan?


  • A maximum of $10 million
  • Lenders are instructed to use a formula that takes into account how much the business previously spent on payroll expenses to determine the appropriate loan amount.


What if the borrower is unable to repay the loan?
A: The bill includes loan forgiveness for businesses that retain employees or rehire those that had been laid off during the outbreak. Loan forgiveness can be applied to portions of the loan spent on payroll, rent payment, utilities, and mortgage expenses incurred within an 8-week period since the start of the loan’s origination date.


Is there other help available?
A: Small businesses may apply for a separate SBA program for disaster loans with a maximum amount of $2 million directly issued from the agency. You can find more information about this forgivable loan program at SBA.gov
The information above has been pulled from reliable resources . Please consult a CPA or Attorney before making any decisions with your business. Information is rapidly changing and we are doing our best to keep it up to date.