Covid-19 Resources "Getting Back to Church 3.0
Churches are beginning to strategize their re-opening plans when current health orders allow.
  • What will church look like under "the new normal?"
  • What steps should you take to keep your faith community safe?
  • What has to change? What can remain the same?

(“GETTING BACK TO CHURCH 3.0” original document taken from MINISTRY ADVANTAGE INSURANCE SERVICES website with their permission.)



Coronavirus-Related Article "Christianity Today"

Information for us to look over and be prepared.

Disaster Unemployment Insurance

Due to the current National Emergency situation we are in, churches and nonprofits who have chosen to opt out of Unemployment Insurance MAY be eligible for benefits through the EDD.

It is recommended that employees are once again notified that the organization does not pay into the insurance and under normal circumstances, they would not be eligible.

However, considering the situation, they should go ahead and apply. Below are two links with helpful information.

Please direct all questions regarding possible Disaster Unemployment Assistance to the Employment Development Agency (EDD) at 800.300.5616.

CARES Act 2020 (Payment Protection Program) in a Nutshell


The CARES Act 2020 was signed into law by the President today. Based upon the information derived from several webinars, below is a summary of how the Act can benefit your church. I encourage you to prepare for the loan application process ASAP as the funds are available on a first come first serve basis. The SBA will be finalizing the details over the weekend and possibly over the next week. Please visit the websites below to obtain further information on the CARES Act.

CARES Act 2020 (Payment Protection Program) in a Nutshell:

     1. The CARES Act has allocated $349B to the Paycheck Protection Program.

  1. The loans will be available to all 501(c)(3)’s on a first come first serve basis through your local bank if they are an SBA approved lender.
  2. Loans are based on 2.5 times average monthly payroll costs from 03/01/2019 – 02/29/2020.
  3. Forgiveness of loan amount will be based on the percentage of 02/15/2020 – 06/30/2020 FTE employees over 02/15/2019 – 06/30/2019.
  4. There will be no payments for the loan in 2020.
  5. Unforgiven loan amount will be paid over 10 years beginning in 2021.
  6. Interest rate is < 4%
  7. No collateral or personal guarantees will be required.
  8. No fees will be charged.
  9. Good faith certification required to certify that funds were used for payroll, mortgage, lease and utility payments.

Additional Benefits to Churches

1) Expanded 2020 standard deduction for charitable contribution

2) Business deduction for charitable contributions limits increased from 10% to 25%.

3) Expanded unemployment benefits.

How to prepare for the loan application and loan forgiveness:

  1. Create spreadsheet of payroll costs from 03/2019 – 02/2020. Include 1099 contract employees.
  2. Get in touch with you banker IMMEDIATELY and specifically the SBA loan administrator for application details.
  3. Calculate FTE’s 02/15/2019 – 06/30/2019 and 02/15/2020 – 06/30/2019. (At June 30th– To determine loan forgiveness amount.)

Websites with CARES Act 2020 information:

Churches and the CARES Act: Helping Congregations and Employees Weather the Cash Crunch – You will be directed to the Vanderbloemen website. Listen to the webinars (The Senate Bill’s Affect on Churches and Nonprofits) from 03/25/2020, 03/26/2020 and 03/27/2020. Presentation slides are also available to be downloaded. – I do not see any updates about the application process yet. Keep checking over the weekend. - Click “Latest Resources” and “Media” to access webinar titled “Understanding the Stimulus Bill and Churches.”

The purpose of this communication is to make you aware of the possible benefits of the CARES 2020 Act. The Baptist Foundation of California does not claim to provide expertise regarding the loan application process nor the calculation of percentage of the loan forgiveness. Please contact your local Bank/SBA lender for more details. The BFC is not in a position to advise churches.

Resourcing the Great Commission,

Ernest Ong, Vice President and CFO

  July 2021  
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