COVID-19 Federal Aid Available for Golf Facilities

Use this federal coronavirus relief cheat sheet to see what relief programs your facility is eligible for.

Families First Corornavirus Response Act was signed into law on March 18, 2020. The Act addresses the economic and health impacts of coronavirus through free testing, funding for paid sick leave, and expanded unemployment benefits.

Cheat sheet

Use this table to quickly identify relief program eligibility by facility type.

The Families First Coronavirus Response Act: Two-week sick leave covers those employees unable to work due to quarantine and/or are experiencing symptoms and seeking medical diagnosis.

  • Two-week family leave covers those employees unable to work due to caring for someone sick with COVID-19 or for child whose school or childcare provider is closed.
  • Additional 10-week family leave covers the need to care for child whose school or childcare provider is closed.
  • The Act provides a tax credit to cover costs. Companies without a revenue stream would apply to the IRS for a refund.
  • The Labor Department can exempt employers with fewer than 50 workers from having to pay the additional 12 weeks of family leave if "it would jeopardize the viability of the business".
  • Additional leave applies through Dec. 31, 2020.
  • Companies with 500 or more employees are not covered under the Families First Coronavirus Response Act.


    • Learn more at https://www.dol.gov/agencies/whd/pandemic/ffcra-employee-paid-leave.

    The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law by President Trump on March 27, 2020. It provides $2.2 trillion in direct payments, tax credits, loans and loan guarantees for individuals, small businesses and state and local governments.

    Cheat sheet

    Use this table to quickly identify relief program eligibility by facility type.

    Economic Injury Disaster Loan Program (EIDL)
    • Small businesses must fall either under employee threshold of 500 or average annual revenue threshold of $16.5 million.
    • Municipal facilities not eligible.
    • 30-year term with deferral on payments from one year of date of note.
    • Maximum loan amount is $2 million. Average loan amount $25,000. . (Reports indicate that loan amounts are being capped at $150,000 due to high demand.)
    • Eligible applicants can receive up to $10,000 of loan amount as emergency grant w/in three days of application ($1,000 per employee, up to $10K cap). Funds must go to payroll, paid leave, mortgage or rent, "increased costs due to supply chain disruption", or "repaying obligations that cannot be met due to revenue loss".
    • SBA-originated. Apply online at sba.gov/disaster.
    Paycheck Protection Program (PPP)
    • Small businesses must fall either under employee threshold of 500 or average annual revenue threshold of $16.5 million.
    • Municipal facilities not eligible.
    • Multi-course facilities are not eligible if total employees exceed 500. However, an exception exists for those in the "accommodation industry", including hotels.
    • 501(c)6 and 501(c)7 orgs not eligible.
    • The loan will be fully forgiven if funds are used for payroll costs, interest on mortgages, rent and utilities. 60% of the forgiven amount however must apply to payroll.
    • Lender-originated. Apply at https://www.sba.gov/sites/default/files/2020-04/PPP%20Borrower%20Application%20Form.pdf
    Small Business Debt Relief  
    The SBA will pay 6 months of principal, interest, and fees for certain SBA-loans disbursed prior to Sept. 27, 2020.
  • This does not apply to PPP or EIDL loans.
  • The SBA will defer interest payments for any current SBA-serviced disaster loans (interest continues to accrue).


    • Employee Retention Tax Credit

    • Credit available to those employers whose operations have been fully or partially suspended as a result of a government order limiting commerce, travel or group meetings.
    • Credit also available to those with a 50% drop in gross receipts in a quarter compared to the same quarter in the previous year.
    • Refundable payroll tax credit for 50 percent of wages (salaries plus health plan).
    • Employers receiving assistance through PPP are not eligible.
    • Covers March 13, 2020 through Dec. 31, 2020.
    • "Self-administered" through tax filing.
    Payroll Tax Delay
    • Taxpayers may defer the employer portion of certain payroll taxes through the end of 2020 - Social Security tax, not Medicare.
    • 1/2 of 2020 taxes to be paid at the end of 2021.
    • 1/2 of 2020 taxes to be paid at the end of 2022.
    • Employers receiving assistance through PPP are not eligible.
    • Covers March 27, 2020 through Dec. 31, 2020.
    Main Street Lending Program
    • Eligible businesses may employ up to 15,000 workers or have revenue of less than $5 billion.
    • Principal and interest payments will be deferred for one year.
    • Borrowers must attest financing is due to COVID-19 and they will make reasonable efforts to maintain payroll and expenses during term of loan.
    • Eligible banks may originate new loans or use funding to increase the size of existing loans to businesses.
    • CARES Act provided $600 billion in funding.
    • Small businesses that participate in PPP funding may apply.
    • Lender-originated. Learn more at https://www.federalreserve.gov/monetarypolicy/mainstreetlending.htm.
    Municipal Assistance
    • The CARES Act established a $150-billion Coronavirus Relief Fund for state and local governments.
    • Payments cover necessary expenditures responding to COVID-19 that were not budgeted for.
    • States eligible to receive funds by formula.
    • Counties, cities, municipalities etc with a population greater than 500,000 are eligible for direct funding. The amount received by their respective states will be reduced correspondingly.
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