The COVID-19 coronavirus pandemic has created challenges for individuals and businesses, and it remains unknown when the crisis will end. But many have shifted their focus not to the troubles but relief from them, now and in the future.

On Monday, March 16, the State of Delaware formally submitted an application to the U.S. Small Business Administration (SBA) to assist small businesses in Delaware with an Economy Injury Declaration. The request would make loans available to small businesses, as well as non-profit organizations in Sussex, New Castle and Kent counties.

Bethany-Fenwick Area Chamber of Commerce Executive Director Lauren Weaver sent out a letter to Chamber members, as well as other small businesses in the area, informing them of the opportunity to apply for the loans.

“These loans are up to 30 years with a fixed rate, for non-profit and for-profit entities, with no penalty of early repayment,” Weaver said of the loan program. “If businesses and organizations are predicting a financial impact that will hinder covering their operating costs, they should apply.”

And businesses certainly don’t have to go through the loan process alone. Weaver and her staff are available Monday through Friday from 9 a.m. to 5 p.m. to answer any questions.

“We are fielding calls,” Weaver said. “We do not receive the applications, so I am not privy to the numbers” of applications sent in so far,” she said. “However, I know we have been providing resources and answering questions for our local members.”

Based on a conference call that Weaver was on last week that was hosted by the Delaware Small Business Administration, it was “recommended that a business request a loan amount equal to at least nine months of estimated operating expenses.”

Businesses are being urged submit their applications in a timely manner since there is an expectation that there will be a large number of applications, especially considering states such as California, Washington, Connecticut, Maine and surrounding areas were already approved as economic disaster areas before Delaware.

“From the time the completed application is received, businesses can count on relief from the Federal SBA Loan in seven to 21 days,” added Weaver. “Please visit out website for additional information and documentation about these programs, and the 3-Step Process for Disaster Loans. Documents are available online.”

The U.S. SBA is offering designated states and territories the low-interest federal disaster loans for working capital to small businesses that are suffering substantial economic injury as a result of the coronavirus pandemic.

Upon a request received from a state’s or territory’s governor, the SBA will issue under its own authority, as provided by the Coronavirus Preparedness & Response Supplemental Appropriations Act that was recently signed by President Donald Trump, an Economic Injury Disaster Loan declaration.

The SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of their revenue from the crisis. The loans can be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the pandemic’s impact. The interest rate is fixed at 3.75 percent for small businesses or 2.75 percent for non-profits.

The SBA loans are offered with long-term repayment plans in order to keep payments low and manageable, and can allow for up to 30 years to pay them back. Terms are determined based upon each borrower’s ability to repay, which is done on a case-by-case basis.

There are some credit requirements to apply for the loans. Among them, applicants must have a credit history acceptable to SBA, and they must show the ability to repay the loan. Collateral is required for all Economic Injury Disaster Loans of more than $25,000, and the SBA will accept real estate as collateral when it is available. SBA will not decline a loan for a lack of collateral, but it will require the borrower to pledge collateral that is available.

Applicants may apply online, receive additional disaster assistance information and download applications at https://disasterloan.sba.gov/ela. Business owners can also find out information by calling the customer-service phone number at 1-800-659-2955 (TTY: 1-800-877-8339) or emailing disastercustomerservice@sba.gov.

In addition to the loan option, Delaware’s Department of Labor has issued new guidelines for Unemployment Benefits based on the COVID-19 outbreak. Delaware Secretary of Labor Cerron Cade issued the new guidelines to enhance the ability of Delaware’s unemployment insurance program to provide cash assistance to many Delaware workers whose employment has been impacted directly by coronavirus and who would not typically qualify for benefits.

There are some new unemployment insurance guidelines being issued, including that workers are eligible to receive benefits if an employer needs to curtail or shut down operations temporarily because of the State of Emergency declaration or the coronavirus outbreak. Also, a worker who has been ordered by a medical doctor to self-quarantine as a result of, or due to risk of, exposure to coronavirus will be eligible to receive benefits.

Parents or guardians who have been forced to quit or take unpaid leave from their jobs to care for children due to the emergency closure of schools will be eligible for benefits. Workers who’ve been forced to quit or take unpaid leave to care for a loved one who has been diagnosed with coronavirus will be eligible. If a worker falls ill to the virus and is unable to work, they may be eligible. There is also a possibility that part-time workers may be eligible for benefits as well.

Although state offices are closed to public access during the State of Emergency, the state’s Department of Labor will remain open while offering the ability for residents to file for unemployment benefits online at https://ui.delawareworks.com/. Those with questions can have them answered via email at uiclaims@delaware.gov or by calling (302) 761-8446.

The Bethany-Fenwick Chamber’s website is continuously being updated with information and resources to provide its membership with the latest available information. Weaver noted that they are requesting anyone with requests or questions to reach out to the Chamber office.

“For us to best serve our members, we need to know and share what our members are doing to manage risks,” she concluded. “To that end, we ask that our members tell us what’s working and what they need help with.”

Local restaurants offering carry-out, delivery

Editor's note: With the mandated closure to the public of all restaurants and bars in the state, except for carry-out, drive-through and delivery services, we are compiling a listing of which restaurants are remaining open to provide those services and the details involved. Restaurants that wish to be part of that listing can submit their information here. This list will continue to be updated throughout the closure, as information is submitted by local restaurants. Don't see a favorite restaurant? If they're open, ask them to come fill out the form, and we'll add them.

Restaurant Address City Phone Fax Email Website Hours of operation Services Delivery Fee 3rd Party Delivery Order By Full/limited menu Payment accepted Contactless delivery?
99 Sea Level 99 Hollywood St Bethany Beach (302) 539-0299 Info@99sealevel.com https://www.99sealevel.com Open 7 days 12pm-8pm Carryout Telephone,In person Full menu Cash,Credit card No
Al Casapulla's Subs, Steaks & Pizza Route 26 Millville (302) 539-5488 cazz777@aol.com http://alcasapullas.com Mon thru Sat 11-8 Carryout In person Full menu Credit card No
Applebee's 36501 Seaside Outlet Blvd Rehoboth Beach (302) 226-5307 Everyday 12-8 Curbside,Delivery by thirdparty service Telephone,Website,App Limited menu Credit card,Mobile or online payment No
Bethany Blues BBQ 6 N Pennsylvania Ave Bethany Beach (302) 537-1500 Zach@bethanyblues.com https://bethanyblues.com/ 7 days a week 12-8pm Carryout,Curbside,Delivery by staff 3 Telephone,Website,App,In person Full menu Cash,Credit card Yes
Big Fish Market 20312 Coastal Highway Rehoboth Beach (302) 227-3665 Marybeth@bigfishgrill.com http://www.bigfishgrillmarket.com Sun-Thurs 11:30am-7pm; Fri & Sat 11:30am-8pm Carryout,Curbside Telephone,Website Full menu Cash,Credit card,Mobile or online payment No
Bluecoast Bethany 30904 Coastal Hwy Bethany Beach (302) 539-7111 http://www.bluecoastseafoodgrill.com Daily 4-8PM Carryout,Curbside Telephone Full menu Cash,Credit card No
The Blue Crab 210 Garfield Parkway Bethany Beach (302) 537-4700 manager@bethanybluecrab.com http://www.bethanybluecrab.com Daily, noon to 7 p.m. Curbside Telephone,Website Limited Menu Cash,Credit card,Mobile or online payment No
CoCoLo Sushi 776 Garfield Parkway Bethany Beach (302) 829-8784 https://cocolosushi.com Open at 4:30 p.m. Carryout Telephone Full menu Cash,Credit card No
The Cottage Cafe 33034 Coastal Highway Bethany Beach (302) 539-8710 https://cottagecafe.com/ Noon to 8 p.m. Carryout,Curbside Telephone,Website Full menu Cash,Credit card No
Cove Bar & Grille 31806 Lakeview Drive Selbyville (302) 436-3200 jevans@cmfa.com https://www.livebayside.com/amenties/delaware-beach-community-cove-bar-grill M-Su, 12pm-8pm Carryout,Curbside,Delivery by thirdparty service Telephone Limited menu Credit card No
Cracker Barrel 19550 Coastal Hwy Rehoboth Beach (302) 226-8993 (302) 226-8995 http://crackerbarrel.com 8am to 8pm Carryout,Curbside,Delivery by thirdparty service Olo, Door dash, Website,App,Fax,In person Limited menu Cash,Credit card,Personal check,Mobile or online payment No
The Den at Bear Trap Dunes 7 Clubhouse Drive Ocean View (302) 537-5600 jevans@cmfa.com http://www.beartrapdunes.com/ M-Su, 11 am-8pm Carryout Telephone Limited menu Cash,Credit card No
Fenwick Crabhouse 100 Coastal Highway, #7 Fenwick Island (302) 539-2500 Urbanangler2561@gmail.com Call in by Wednesday at noon to pick up crabcakes on Friday Carryout Telephone Limited menu Cash No
FINS Ale House Bethany Beach 33544 Market Place Bethany Beach (302) 539-3467 Contact@finsgroup.com http://www.finsrawbar.com Wednesday-Sunday 1130am-8pm Carryout,Curbside,Delivery by staff Telephone Full menu Cash,Credit card No
Fox's Pizza, Millville Rt. 26, Giant Shopping Center Millville (302) 539-6900 https://foxspizzade.com/ 7 Days Carryout,Curbside,Delivery by staff 1.5 Telephone Full menu Cash,Credit card No
Good Earth Market & Restaurant 31806 Good Earth Ln, Ocean View (302) 537-7100 7 days 9am to 9pm Carryout,Curbside,Delivery by staff 5 Telephone Full menu Cash,Credit card No
Harpoon Hanna's 39064 Harpoon Road Fenwick Island (302) 539-3095 Harpoonhannas@gmail.com https://www.harpoonhannasrestaurant.com Sunday through Thursday 11am-8pm, Friday & Saturday 11am-9pm Carryout,Curbside Telephone,In person Limited menu Cash,Credit card No
Hooked Up Ale House & Raw Bar 38069 Town Center Drive Millville (302) 539-4111 hookedup@irseafood.com https://hookeduprawbar.com/ 11 am-8 pm Carryout,Curbside Telephone Full menu Cash,Credit card No
Long Neck Deli 32362 Longneck Rd Millsboro (302) 945-7575 Monday- Sunday. 10-6 Carryout Telephone Full menu Cash,Credit card No
The Landing Bar & Grille 20301 Charlotte Blvd Millsboro (302) 933-8072 alevdansky@theiconteam.com https://plantationlakesclub.com/dining/ Mon-Sunday 12-6pm Curbside Telephone Limited menu Credit card No
Matt's Fish Camp Bethany 28635 Coastal Hwy Bethany Beach (302) 539-2267 http://www.mattsfishcampbethany.com Daily 11:30am-8pm Carryout,Curbside Telephone,Website Full menu Cash,Credit card,Mobile or online payment No
McCabe's Gourmet Market 34444 Coastal Highway, Unit 1 South Bethany (302) 539-8550 (302) 539-0270 rrmais@comcast.net http://www.mccabesgourmet.com Closed Monday. Tuesday - Thursday: 8 a.m. - 5 p.m. Friday - Saturday: 7 a.m. - 5 p.m. Sunday: 7 a.m. - 4 p.m. Carryout Telephone,In person Full menu Cash,Credit card,Personal check No
Morning Buns Bake Shop 68 Atlantic Avenue Ocean View (302) 307-2917 morningbunsbakeshop@gmail.com http://morningbunsbakeshop.com Thursday - Tuesday 7am-12pm closed Wednesday Carryout Telephone Full menu Cash,Credit card,Mobile or online payment No
Northeast Seafood Kitchen 29F Atlantic Avenue Ocean View (302) 537-1785 http://www.northeastseafoodkitchen.com Daily 4-8PM Carryout,Curbside Telephone Full menu Cash,Credit card No
Ocean View Family Restaurant 42 Atlantic Ave Ocean View (302) 539-4864 https://www.oceanviewfamilyrestaurantde.com/mobile/#home/index Sun 7-2, Mon-Wed 7-2, Thur-Sat 7-7 Carryout,Delivery by staff Telephone,In person Full menu Cash,Credit card No
Off the Hook 769 Garfield Pkwy Bethany Beach (302) 829-1424 offthehook@irseafood.com https://offthehookbethany.com/ 11 am-8 pm Carryout,Curbside Telephone Limited menu Cash,Credit card No
Perucci's Classic Italian Restaurant 35507 Atlantic Avenue Millville (302) 828-8727 Sunday - Saturday 5pm-8pm Carryout Door Dash Telephone,In person Full menu Cash,Credit card No
Ropewalk Bethany Beach 107 Garfield Pkwy Bethany Beach (302) 537-1330 Brian@ropewalk.com https://ropewalk.com Friday-Sunday 12-10 Curbside Telephone Full menu Cash,Credit card No
The Salted Rim 27 Atlantic Avenue Ocean View (302) 537-7373 thesaltedrim@aol.com https://www.saltedrimde.com 11:00am - 8:00pm Carryout Telephone Full menu Credit card No
Smitty McGee's Restaurant 37234 Lighthouse Road West Fenwick (302) 436-4716 (302) 436-6031 http://www.smittymcgees.com 11am to 8pm Carryout,Curbside Telephone Full menu Cash,Credit card No
Summer Salts Beach Grill 33548 Market Place Bethany Beach (302) 581-0423 summersaltsbeachgrill@yahoo.com http://summersaltsbeachgrill.com Daily, noon to 9 p.m. Carryout,Curbside,Delivery by staff Telephone,In person Full menu Cash,Credit card No
Sunshine Crepes 100 Garfield Parkway Bethany Beach (302) 537-1765 Saturday and Sunday 8:30am-2pm, www.sunshinecrepes.com Carryout Telephone,In person Full menu Cash,Credit card No

Staff Reporter

Jason has been in journalism for 20 years. He moved to Coastal Delaware in August 2017 with his wife, Jessica, and their daughters, Kylie, 17, and Grace, 12. He has a passion for high-school sports and especially values the relationships that builds.