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Coronavirus Response Resources

At i3POS, there is no higher priority than the safety and well being of our customers and associates.

As concerns about the spread of COVID-19 (the coronavirus) increase, we want to share some of the additional steps we have taken both to prevent the potential spread of the virus, and share resources that can help minimize service disruptions or impacts to your business.

What We Are Doing

As the Coronavirus or COVID-19 situation continues to unravel by the hour, we are vigilantly monitoring government updates and recommendations. We are committed to running “business as usual” even during these very unusual times and want you to know that we are here for you and your business. Below are the steps we are taking to ensure that our commitment to you is unaffected by this health crisis.
  • 1. Help desk Technicians are still standing by to take your calls.

  • 2. Project Managers are available for support when you need it.

  • 3. Our team is still operating whether remote or on site in small groups or individually.

  • 4. We are all following the CDC guidelines by washing our hands and areas around us frequently.

The health and safety of our clients and our team are our first priority. We urge everyone to stay informed by visiting the Center for Disease Control’s website and to take the recommended precautions. If you have questions or concerns please do not hesitate to reach out to your local representative or please call contact our help desk: (800) 683-2778, press 2.

Thank you,
Kimberly Montgomery
Marketing Director

Paycheck Protection Program provides small business relief during COVID-19

On Friday, March 27, Congress approved the CARES Act which includes the Paycheck Protection Program. This provides cash assistance to eligible businesses:
  • 100% federally guaranteed loans
  • Small businesses (<500 employees) who maintain their payroll during this emergency are eligible to apply
  • Retroactive to February 15, 2020, so you can bring back any laid-off workers
  • These loans can be forgiven up to 100%

Get help applying for Paycheck Protection Loans

NCR has partnered with Nymbus to help you access the Small Business Administration (SBA) Paycheck Protection Loans. Nymbus partner banks can help you through the application process. Click below to get started.

What do Paycheck Protection Loans cover?

FAQs

On Friday, March 27, Congress approved the CARES Act which includes the very important Paycheck Protection Program. This program will directly help small businesses (<500 employees) by providing cash-flow assistance through 100% federally guaranteed loans to employers who maintain their payroll during this emergency. If employers maintain their payroll, the loan amount is forgiven, as long as the loan funds are only used for permitted purposes (payroll costs, mortgage payments, lease obligations, interest on prior indebtedness, certain utilities, additional wages paid to tipped employees). The goal is to help workers remain employed, as well as help affected small businesses and our economy snap-back quicker after the crisis. PPP has a host of attractive features:

  • Potential forgiveness of the loan amount based on employee retention and salary levels;
  • No SBA fees; and
  • Loan payments will be deferred for six months.
  • Businesses and entities must have been in operation on February 15, 2020.
  • Small business concerns, as well as any business concern, a 501(c)(3) nonprofit organization, a 501(c)(19) veterans organization, or Tribal business concern described in section 31(b)(2)(C) that has fewer than 500 employees or fewer employees than established by the relevant industry code.
  • Individuals who operate a sole proprietorship or as an independent contractor and
  • eligible self-employed individuals.
  • Any business concern that employs not more than 500 employees per physical location of the business concern and that is assigned a North American Industry Classification System code beginning with 72, for which the affiliation rules are waived.
  • Affiliation rules are also waived for any business concern operating as a franchise that is assigned a franchise identifier code by the Administration and company that receives funding through a Small Business Investment Company.

In general, eligible recipients are eligible to borrow the lesser of 2.5x Average Monthly Payroll Costs from 2019 or $10 million. Payroll costs are defined as:

  • the sum of payments of any compensation with respect to employees that is a:
    • salary, wage, commission, or similar compensation;
    • payroll costs are capped at $100,000 on an annualized basis for each employee
    • payment of cash tip or equivalent;
    • payment for vacation, parental, family, medical, or sick leave;
    • allowance for dismissal or separation;
    • payment required for the provisions of group health care benefits, including insurance premiums;
    • payment of any retirement benefit; or
    • payment of State or local tax assessed on the compensation of employees; and
    • the sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self- employment, or similar compensation and that is in an amount that is not more than $100,000 in one year.

Ineligible payroll costs can be defined as:

  • Compensation for any employee in excess of an annual salary over $100,000 (note: you can include employee compensation up to the $100,000 cap)
  • Taxes imposed or withheld under Chapters 21, 22, or 24 of IRS Code during the covered period. These taxes are more commonly identified as FICA, Railroad Retirement Taxes, and Federal Income Taxes.
  • Compensation for any employee whose principal residence is outside USA
  • Qualified sick and/or family leave wages, for which a credit is allowed under Families First Coronavirus Response Act

Please note that the covered period is defined as beginning on February 15,2020 and ending on June 30, 2020.

Loan proceeds can be utilized to pay payroll (including salaries and commissions or similar payments), group health payments, interest on a related mortgage, rent or lease payments, utilities, and interest on any debt incurred before February 15, 2020.

Any business-related interest payments on a mortgage or other debt obligation (excluding any prepayment or principal obligation) that was incurred before February 15, 2020.
Payments for business-related rent under a leasing agreement that was in force before February 15, 2020.
Payments for business related utilities (for the distribution of electricity, gas, water, transportation, telephone, or internet access) for which service began before February 15, 2020.

Applicants are expected to provide the following items to be considered for a loan under the Paycheck Protection Program:

  • Borrower certification required by the SBA
  • The four-quarterly filed IRS Form 941 tax reports for 2019, or 2019 filed W-3, or, for independent contractors and self-employed individuals, your Form 1099-MISC forms and/or tax returns reported to the IRS
  • State income, payroll, and unemployment insurance filings ) – see note above about eligible and ineligible payroll costs
  • List of employees that had salaries in excess of $100,000 in 2019 and their corresponding salary

Please note that as this new program evolves, additional documents may be requested, if needed.

PPP lenders will be required to consider whether an applicant was in operation on February 15, 2020, and either had employees for whom it paid salaries and payroll taxes. Applicants will not be required to demonstrate repayment ability.

Applicants are expected to complete the following items to be considered for the Paycheck Protection Program:

  • Paycheck Protection Act Application Form Good Faith Certification completed, signed, and dated by an authorized business representative and initialed by any principal a 20% stake or greater stating that “the uncertainty of current economic conditions makes necessary the loan request to support ongoing operations of the eligible recipient”, “funds will be used to retain works and maintain payroll or make mortgage payments, lease payments, and utility payments”, “that the eligible recipient does not have an application pending for a loan under the Paycheck Protection Program for the same purpose and duplicative amounts of the applied for or received covered loan”, and “during the period beginning February 15,2020 and ending on December 31, 2020 that the eligible recipient has not received amounts under the Paycheck Protection Program for the same purpose and duplicative amounts of the applied for or received covered loan”.

Questions 5-7 of the application, the Certifications and the application are to be completed, initialed/signed and dated by each applicant who is an Individual as well as each 20% or greater owner of an Applicant Business. All parties below are considered owners of the Applicant Business as defined in 13 CFR 120.10, as well as “principals.”

  • For a sole proprietorship, the sole proprietor;
  • For a partnership, all general partners, and all limited partners owning 20% or more of the equity in the firm;
  • For a corporation, all owners of 20% or more of the corporation;
  • For limited liability companies, all members owning 20% or more of the company; and
  • Any Trustor (if the Applicant is owned by a trust).
Loans under the Paycheck Protection Program require no collateral or personal guarantee. Additionally, recipients of the Paycheck Protection Program are eligible for loan forgiveness of the indebtedness if they comply with the loan forgiveness requirements. Furthermore, the amount of loan forgiveness under the Paycheck Protection Program is non-taxable.

A borrower is eligible for loan forgiveness equal to the amount the borrower spent on the following items during the 8-week period beginning on the date of the origination of the loan:

  • Payroll costs, including benefits (using the same definition of payroll costs used to determine loan eligibility)
  • Interest on the mortgage obligation incurred in the ordinary course of business incurred before February 15, 2020
  • Rent on a lease agreement in force before February 15, 2020
  • Payments on utilities, including electricity, gas, water, transportation, telephone and Internet access for service that began before February 15, 2020; and
  • Due to the likely high demand for these loans, at least 75% of the forgiven amount must have been used for payroll expenses.

Forgiven amounts will not be considered cancellation of indebtedness income for federal tax purposes.

The amount of loan forgiveness calculated above is reduced if there is a reduction in the number of employees (i.e., failure to maintain the average number of full-time equivalent employees versus the period from either February 15, 2019, through June 30, 2019, or January 1, 2020, through February 29, 2020, as selected by the borrower) or a reduction of greater than 25% in wages paid to employees.

Specifically, the amount forgiven is reduced to the extent that compensation for any individual making less than $100,000 per year is reduced by more than 25 percent measured against the most recent full quarter. Reductions in the number of full-time employees or compensation occurring between February 15, 2020, and April 26, 2020 will be ignored if the action (layoff or salary reduction) is reversed by June 30, 2020.

Any amount not forgiven as described above will bear interest rate of one percent and mature no later than 2 years after the amount of forgiveness is applied. Payments on PPP loans will be deferred for 6 months.

Once the eight-week period from the date of your loan has ended, you can apply for forgiveness on your loan. In this application, you must include:

  • Documentation verifying the number of employees on payroll and pay rates, including IRS payroll tax filings and State income, payroll and unemployment insurance filings. Note that at least 75% of the forgiven amount must have been used for payroll.
  • Documentation verifying payments on covered mortgage obligations, lease obligations, and utilities.

Certification from a representative of your business or organization that is authorized to certify that the documentation provided is true and that the amount that is being forgiven was used in accordance with the program’s guidelines for use.

No, an entity is limited to one PPP loan. Each loan will be registered under a Taxpayer Identification Number at SBA to prevent multiple loans to the same entity.
All 501(c)(3) non-profits with 500 employees or fewer, or more if SBA’s size standards for the non-profit allows. Please visit https://www.sba.gov/size-standards/ to find out your non- profit’s SBA size standards by number of employees. For example, churches and museums with fewer than 500 employees are eligible. You will need the 6-digit North American Industry Classification Code for your business.
Yes, an entity is can have both a PPP and EIDL loan however, the proceeds from the EIDL loans cannot be used for covering payrolls costs.
Any loan amounts not forgiven at the end of one year is carried forward as an ongoing loan with term of 2 years, at 0.5% interest. Principal and interest will continue to be deferred, for a total of 6 months after the initial disbursement of the loan. The clock does not start again.

Forgiveness on a covered loan is equal to the sum of the following payroll costs incurred during the covered 8-week period compared to the previous year or time period, proportionate to maintaining employees and wages (excluding compensation over $100,000):

  • Payroll costs plus any payment of interest on any covered mortgage obligation (not including any prepayment or payment of principal on a covered mortgage obligation)

The lender must decide on the forgiveness request within sixty (60) days of submission.

Taxes imposed or withheld under chapters 21, 22, and 24 of the Internal Revenue Code of 1986 are to be excluded from payroll costs. These taxes are more commonly identified as FICA, Railroad Retirement Taxes, and Federal Income Taxes.
  • Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Other regulated lenders will be available to make these loans as soon as they are approved and enrolled in the program.
0.50% fixed rate.
All payments are deferred for 6 months; however, interest will continue to accrue over this period.
In 2 years

COVID-19: Federal Disaster Response & Stimulus

March 17, 2020

New Assistance and Requirements for Small and Medium Sized Businesses

Disclaimer: Congress is working rapidly to finalize emergency legislation to provide economic relief to individuals and small businesses. One initial measure has already been signed into law, and others are expected to reach the President’s desk shortly.

Among the programs highlighted below, the Small Business Administration low-interest loan program has been signed into law and is being rapidly implemented. The mandated sick leave and family leave requirements, along with the refundable tax credits, are approaching final approval. This legislation is expected to be finalized in a matter of days.

New assistance for small and medium sized businesses

Small and medium sized businesses are scrambling to navigate the impact of business disruptions and lost traffic during the coronavirus outbreak. At NCR, we’re committed to helping our small and medium sized business customers navigate this difficult time—starting with a list of federal assistance programs that are mobilizing to provide much-needed support.

What's New?

The Federal Small Business Administration is offering low-interest Economic Injury Disaster Loans to small businesses impacted by the COVID-19 virus.

The interest rate is 3.75% and 2.75% for not-for-profit organizations. Long-term repayments up to 30 years will keep payments affordable. The loans can be used to pay fixed debts, payroll, accounts payable and other bills.

  • Terms are on a case-by-case basis, based upon each borrower’s ability to repay.
  • Emergency declaration must be made for a designated area before loans become available.
  • Process information will be updated on SBA’s website.
Authorized by the Coronavirus Preparedness and Response Supplemental Appropriations Act, the measure is already approved by Congress and was signed into law by the president on March 6.

How to get more information

To find out if you live in an eligible area, please click here. For more information, visit the Small Business Administration website at www.SBA.gov/disaster.

You can also contact the SBA Disaster Assistance Customer Service Center at 1-800-659-2955 (TTY: 1-800-877-8339) or email [email protected].

New requirements for small and medium sized businesses

Whats new?

There are new mandatory sick leave and emergency family and medical leave requirements through December 31, 2020, and new refundable tax credits for employers.

New Mandatory Sick Leave Requirements

Employers with 500 or fewer employees must provide two weeks of emergency paid sick leave for employees. Full-time employees must be compensated for 80 hours. Part-time employees must be compensated for their typical number of hours worked.

What’s covered:

  • Comply with a quarantine related to coronavirus (100% of pay)
  • Seek diagnosis or preventive care for coronavirus (100% of pay)
  • Care for sick family member (two-thirds pay)
  • Care for child whose school is closed (two-thirds pay)

New Emergency Family and Medical Leave Requirements

Employers with 500 or fewer employees must provide twelve weeks of job-protected emergency family and medical leave for employees who have been on the job for at least 30 days. The first two weeks are compensated at full pay. The next 10 weeks are compensated at two-thirds pay.

What’s covered:

  • Comply with a quarantine related to coronavirus (100% of pay)
  • Seek diagnosis or preventive care for coronavirus (100% of pay)
  • Care for sick family member (two-thirds pay)
  • Care for child whose school is closed (two-thirds pay)

Refundable Tax Credits for Employers

New tax credits are available for employers with 500 or fewer employees. This includes a 100% tax credit for qualified paid sick leave expenses.

  • Tax credit is refundable for employers whose credits exceed their liabilities
  • Self-employed are also eligible for tax credits
    • 100% of expenses for self-isolation
    • $511 per-day per-employee for quarantine and care
    • $200 per-day per-employee for care of family members
    • 100% tax credit for qualified family and medical leave expenses
    • Capped at $200 per-day per-employee
    • Maximum is $10,000 per quarter
Two-thirds of expenses for caring for family members

Status

Federal leave requirements and tax credits

The Families First Coronavirus Response Act (HR 6021) was approved by the House of Representatives on March 14. The Senate is expected to approve the same act this week. These provisions were negotiated with the Trump Administration, so the President is expected to sign this act into law.

How to get more information

More information will be provided form the federal agencies when the bill becomes law.

What else should we expect?

  • Expect more legislative and executive actions to come
  • Congress and the president will offer more stimulus packages and disaster response plans to aid businesses and states
  • Some areas to be addressed include:
    • Domestic Airline Industry, Cruise Ship Industry, and the Hotel Industry
    • Small Businesses.
  • Possibilities include:
    • New SBA Disaster Grants: Direct grants for eligible small business recipients to help cover the cost of lost business, providing paid sick leave, and more.
CDBG Disaster Relief program and disaster relief through the Economic Development Administration’s Economic Adjustment Assistance program, like provided after natural disasters, to help local communities manage and recover from the crisis.

Disclaimer Congress is working rapidly to finalize emergency legislation to provide economic relief to individuals and small businesses. One initial measure has already been signed into law, and others are expected to reach the President’s desk shortly.

Among the programs highlighted below, the Small Business Administration low-interest loan program has been signed into law and is being rapidly implemented. The mandated sick leave and family leave requirements, along with the refundable tax credits, are approaching final approval. This legislation is expected to be finalized in a matter of days.

Cleaning DO's

DO use a microfiber cleaning cloth or cloth towel
DO spray the cleaner onto a cleaning cloth or cloth towel and then wipe the surface to be cleaned

DO clean with a cloth or towel that is damp but not soaked or dripping wet

DO consult trained service personnel for cleaning of the interior of electronic equipment

Cleaning DON'Ts

DO NOT spray cleaners directly onto equipment
DO NOT use abrasive cleaners (powders) or abrasive cleaning materials (scrub brush, scouring pad, etc.)

DO NOT soak the electronic equipment with cleaning liquid

POS and self-checkout hardware cleaning guide

NCR products are purpose built for retail and hospitality environments. We recognize that part of normal usage of our products involves people touching the equipment.

We recommend 70% isopropyl alcohol solution which should not damage touchscreens. It is important to follow application guidelines in product publications.

Additional information on disinfecting and cleaning surfaces can be gathered at CDC.gov and WHO.int.

Many of our products contain additional plastic and metal surfaces that are not part of the core touch technology. We recommend cleaning those surfaces with soap, water and bleach solution (bleach can damage clothing).

NCR recognizes that there are non-NCR third-party hardware devices, and we recommend following the instructions as provided by those vendors.

Banking hardware cleaning guide

ATM external consumer interface touchscreens

All ATM external consumer interface touchscreens are either PCAP or SCAP technology. 70% isopropyl alcohol solution should not damage PCAP/SCAP or resistive touchscreens. It is important to follow application guidelines in the product publications. On SCAP, you do not want liquid to get in the seal between the plastic and the glass. We always recommend damping a cloth then wiping. Do not spray or immerse the product in the alcohol.

ATM internal touchscreens and back of machine

ATM internal touchscreens for diagnostics are resistive technology. Alcohol has the chance to damage resistive screens. Follow ATM cleaning guidelines for these screens.

Plastic & metal surfaces

70% isopropyl alcohol can be used for cleaning plastics and keypads on ATMs. Cleaning of the powder coated metal surfaces with 70% isopropyl alcohol is acceptable.
*Consult the Centers for Disease Control and Prevention (CDC) for disinfecting and cleaning processes. The CDC or the World Health Organization (WHO) are a good source of information. See the CDC’s Environmental Cleaning and Disinfection Recommendations.

Keeping your hardware sanitized is critical to consumer health always. Especially now.

70%

Isopropyl Alcohol

streamline-icon-cleaning-spray@100x100

Proper, frequent cleaning should not impact the life or performance of the equipment

Leave the system powered on if you are cleaning surfaces that are touched during normal business operations. Surfaces that are not normally touched during regular operations, we recommend that you power down the machine.

What We All Can Do to Promote Restaurants

Our hearts go out to everyone affected by the virus and especially to our clients who have had to either close their doors, limit their staff or reduce to take out only orders. We know that there is a lot of uncertainty in the world right now and more specifically in the hospitality industry. We’ve listed below some things that everyone can do to help support their favorite restaurants through this difficult time.
  • 1. Consider purchasing restaurant gift cards if they’re offered.

  • 2. Order take-out or delivery. This gives the restaurant business and keeps you well fed. Many restaurants that don’t usually offer these options are making exceptions.

  • 3. If you need to cancel future reservations, please do so as soon as you decide that it is necessary.

  • 4. Re-schedule your reservations for a later date. This will give everyone something to look forward to.

  • 5. Tip generously if you can afford it. Tipped workers tend to suffer greatly in times of economic distress.

The health and safety of our clients and our team are our first priority. We urge everyone to stay informed by visiting the Center for Disease Control’s website and to take the recommended precautions. If you have questions or concerns please do not hesitate to reach out to your local representative or please call contact our help desk: (800) 683-2778, press 2.

Thank you,
Kimberly Montgomery
Marketing Director

What We All Can Do to Promote Retailers

During these difficult times, we are extremely saddened to see the effects that COVID-19 has had on retailers and want to continue to help drive business in any way possible. We’ve listed below some things that everyone can do to help support their favorite retailers through this difficult time.

  • 1. Be conscious of adjusted business hours, as many retailers have changed their operating hours to accommodate for elderly and more at-risk customers

  • 2. Use alternate shopping methods, such as curbside pickup

  • 3. Purchase gift cards that can be redeemed at a later date once social distancing is no longer a concern

  • 4. Check retailers’ online offerings and use e-commerce to get the items that you need, while also helping give these retailers business

The health and safety of our clients and our team are our first priority. We urge everyone to stay informed by visiting the Center for Disease Control’s website and to take the recommended precautions. If you have questions or concerns please do not hesitate to reach out to your local representative or please call contact our help desk: 877-809-9980.

Thank you,
Keith Gambill
Marketing Manager

COVID-19 Floor Plan Training Video

Additional Resources

Retail

Hospitality

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Letter From Our
NCR Partners

Dear valued customer,

For more than 135 years, NCR has lived by a core value to “treat every customer like they are our only customer.” This enduring value guides us as we face the difficult challenge of responding to the coronavirus (COVID-19).

In January, we established a multi-functional coronavirus response task force and are following the current guidance from government and local health authorities.

During the coronavirus outbreak, our focus is on the safety and well-being of our employees, who are vitally important to support you and your business, as well as the communities where we operate. Our second primary area of concern is the safety and continued service of our customers.

We are providing an update today on the preventative and precautionary actions taken to date as we focus on health, safety and business continuity, and being your trusted technology provider of choice.

We have implemented a number of actions through our task force, including:

  • Instituting guidelines to limit virus spread and keep our employees healthy.
  • Providing ongoing and transparent communications for our employees regarding our continuity plans and new preventive measures. We also established a direct line of communication to the task force that every employee can utilize to ask questions and obtain additional information.
  • Implementing operational enhancements, in alignment with public health authority guidance, to limit employee and customer exposure to the virus:
    • Implementing access restrictions at our global facilities, including strictly limiting visitor access to both our manufacturing and office facilities.
    • Highly restricting all NCR business travel.
    • Instituting thermal readings at key locations around the globe.
  • Providing safety guidance and supplies appropriate for our field employees and the nature of their work in line with the Centers for Disease Control and Prevention (CDC) and the WHO.
Finally, our technology drives interactions with people. For that reason, we have published a best practices paper on how to properly disinfect and clean our equipment to be used by our employees and made available to you.
Our customers’ business continuity is a key priority. We want to minimize service disruptions or impacts to your business. Our goal is to offer the level of quality, responsiveness and support that you have come to expect from NCR.
Multiple governments around the world have implemented new guidelines, including restrictions on gatherings, cross-border movements and so on. We anticipate further restrictions in the coming days. Our task force has proactively worked with each of our critical business functions and support facilities to adapt to this new working environment while we implement our own continuity plans.
Please contact your NCR representative should you have any questions or concerns. Thank you for your continued partnership.

My best,
Mike Hayford
President and Chief Executive Officer, NCR

NCR Update March 27th, 2020

Applying for Loans

To our valued restaurant and hospitality customers,

As the coronavirus pandemic continues to evolve, we know that it is significantly impacting your business, your employees and you personally. For over 130 years, NCR has supported the restaurant industry. We’ve stood by your side when times have been good – and bad – and we are here to weather this storm with you. We have 15,000 services specialists around the globe and in your local community keeping commerce running
Our top priority is helping you during these challenging times. NCR is actively working with a large national bank and the Small Business Association (SBA) to quickly get you the help you need to support your payroll and working capital. This includes streamlining the process to apply for and grant small business loans.
Specific highlights of government assistance for the hospitality industry include:
  • Federally guaranteed small business loans of up to $10 million to help small companies meet payroll and pay mortgage, rent and utilities bills.
  • A deferral of this year’s Social Security payroll taxes until 2021 and 2022.
  • Emergency Economic Disaster Loans, including a quick advance of up to $10,000.
Over the next week, we will share more details about our partnership with the bank referenced above, including an easy-to-access online portal for applying for loans. Thank you and know that we are here to support you in any way we can. This crisis emphasizes our ability as an industry to come together for unity and partnership. Thank you for being our customer.
Sincerely,

Dirk Izzo
SVP & General Manager, NCR Hospitality

NCR Update April 3rd, 2020

Partnership with Nymbus and Other Resources

U.S. Small Business Relief Program
As of today, we have entered a partnership with NYMBUS to assist U.S.-based small businesses impacted by COVID-19 with accessing Small Business Administration (SBA) Paycheck Protection Loans. Partners in the U.S. can leverage this partnership to apply for a loan and it also can be leveraged for your customer base. This is not the only option for loans – small businesses can also apply for these loans at their local bank if they offer SBA loans.
Nymbus provides an online loan origination application that enables small businesses to apply for a loan. Nymbus then facilitates matching the small business with banks within their ecosystem that can fulfill the loan. Loan specialists at Nymbus will be available to help SMBs apply for the loans and answer any questions that they have.
  • Paycheck Protection Program Loans now available for businesses with less than 500 employees
  • Ability to borrow up to 2.5X business’ average monthly payroll up to $10M
  • Loans can be used to cover payroll, benefits, mortgage, rent and utilities
  • These loans can be forgiven up to 100%
Links to more information:
Digital Marketing Toolkit
We now have a Digital Marketing Toolkit up on our website with an eBook, sample social graphics, email templates and more.
Additional Resources

Here’s a link to all of the content posted on ncr.com this week. Please follow NCR on LinkedIn, Twitter and Facebook.