COvid-19 FInancial Resources

Government Resources

Gov Resource FAQs:

Answers to Audience Questions



Economic Injury Disaster Loan Emergency Advance

This provides up to $10,000 in emergency relief to small businesses that are having temporary financial difficulties. The loan advance (meaning this is money given PRIOR to being approved for a SBA loan) does not need to be repaid. Salon owners, independent contractors and sole proprietors are all eligible.


Payroll Protection Program 

$349 billion in FORGIVABLE loans to be made to small businesses to help pay employees. As independent contractors (1099 MISC) or other self-employed people, we are eligible to apply April 10, 2020. If you are a salon owner with W-2 employees, you can reach out to the bank you do business for application information. These loans should be used to pay for 

  • payroll costs including benefits (for sole proprietor or independent contractors this means our wages, commissions, income or net earnings from our self employment)
  • Interest on mortgage obligations (business, not personal mortgages)
  • Rent
  • Utilities

Stimulus Checks (under the CARES Act)

The joy in this? You don’t need to do anything to apply. These $1,200 stimulus funds will given to every adult in the country who has filed their 2018 OR 2019 taxes and makes less than $75,000 (couples who file together can make up to $150,000 and will get $2,400), plus $500 per child in the household. It’s when you make more than these thresholds that the payments begin to go down- by $5 for every $100 of AGI over $75K/$150K, So if file your taxes as a individual and your AGI was $75,100, you would only receive $1,195 as a stimulus, and so on.  Here is a website that may answer some of your questions.

Unemployment (under CARES Act)

This part of the CARES Act allows for those of us who are self-employed (yes, even small business owners) to apply for unemployment benefits. That application must take place through your state unemployment agency, and will add up to an additional $600/week to your state’s maximum payout. These benefits are available for an extra 13 weeks after state unemployment benefits would usually end. 

PLEASE NOTE: This is an unprecedented action, and no state was ready to implement this when it was signed. Each state is working to update their applications and web pages to accommodate the self-employed, however, they are all waiting on the Federal Government to issue guidelines on how to begin implementation. The best way to get answers about YOUR state’s progress is to check the unemployment agency website for your state. Here is a website that may answer some of the questions you have.

Industry efforts

Professional Beauty Association (PBA) Covid-19 Relief Fund

Created to provide as many $500 relief “checks” as possible to licensed professionals. They are 100% reliant on donations, so share this message with as many as you can, even if everyone can only a dollar or two!

Horst Rechelbacher Foundation: COVID-19 Relief Grant

$1,000 grants that will provide financial assistance to licensed beauty professionals OR students of beauty programs, who have been affected by the mandated closures of our businesses in response to COVID-19

CND & BCL Nail Professional Relief Grant

Generously funded by CND Creative Nail Design, these grants will provide financial assistance to nail professionals, whose lives have been drastically changed by the mandated closures in response to COVID-19. Available to licensed nail professionals who cannot maintain their regular income during this time, these one-time $1,000 grants will be distributed directly to provide temporary financial relief. Applications are open starting April 1, 2020. open starting April 1, 2020.


During the COVID-19 pandemic, Joico wants to show the professional hair community that we truly are in this together. On April 1st, 2020 Joico is launching “The Big Give-Back” campaign and sweepstakes; consisting of weekly sweepstakes that will award a lucky pro up to $1,000.00* to help pay for salon expenses, like rent costs or booth rental fees or even salon utilities (restrictions apply*). The campaign will announce one random winner every week and will run from April until the end of the year.

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