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  • 1 Apr 2025 4:30 AM | Dawn Hargrove-Avery (Administrator)


    Creating a Successful Content Marketing Strategy for Your Dry Cleaning Business

    As a dry cleaner, you might think your business doesn't lend itself to exciting content marketing. But with the right approach, you can create engaging content that attracts new customers and keeps existing ones coming back.

    Know Who You're Talking To

    Think about who walks through your door each day. Are they professionals needing work clothes pristine? Families with special occasion garments? Environmentally-conscious customers?

    Once you understand your customers, you can create content that speaks directly to their needs—whether it's quick care tips for busy professionals or explaining your eco-friendly processes to sustainability-minded customers.

    Set Goals That Make Sense

    Before creating content, determine what you want to achieve. More local visibility? Highlighting a specialty service? Having clear goals helps focus your efforts.

    For most dry cleaners, realistic goals include increasing local awareness, demonstrating expertise in fabric care, and encouraging repeat business.

    Create Content People Actually Want

    The best content solves problems or answers questions customers already have:

    • "How to remove common stains at home (and when to bring them to us)"
    • "The real reason dry cleaning preserves your clothes longer"
    • "Behind the scenes: See how we handle your garments with care"
    • "Five things to look for in quality dress shirt pressing"

    These topics provide value while subtly highlighting your expertise.

    Keep It Simple and Authentic

    You don't need professional writers or expensive equipment. Authentic content often performs better than overly polished material. Take before-and-after stain removal photos on your phone. Record quick fabric care tips during slow periods. Share stories about rescuing a wedding dress the day before the ceremony.

    What seems ordinary to you can be fascinating to customers who never see behind the counter.

    Make It Easy for People to Find You

    Use words people actually type when searching for services like yours—practical terms like "same-day dry cleaning in [your city]" or "how to clean a wool coat." Include these naturally in your content.

    Local search terms are especially important since most customers come from within a few miles of your location.

    Share in the Right Places

    Focus your distribution efforts where they matter most:

    • Your Google Business Profile
    • Facebook or Instagram for before/after photos and quick tips
    • Email newsletters with seasonal clothing care advice
    • Local community groups or neighborhood apps

    Don't try to be everywhere—maintain a strong presence on one or two platforms.

    Learn What Works

    Pay attention to which content gets the most engagement. If stain removal tips get lots of shares but business updates don't, that tells you something important about what your audience values.

    Use simple tracking like website visits or comments to guide future content decisions.

    Let Customers Tell Your Story

    Your most powerful content often comes from happy customers. Encourage reviews and testimonials, and share stories of how you saved irreplaceable garments or solved stubborn cleaning problems.

    Customer stories build trust far more effectively than self-promotion.

    Be Patient and Consistent

    Content marketing works through consistency, not overnight miracles. Even posting simple tips once a week can gradually build an audience that sees you as more than just another dry cleaner.

    Remember that the goal is building relationships, not just transactions. When customers feel connected to your business through helpful content, they're less likely to switch to competitors based on price alone.

    The Cleaner's Roadmap:

    A Step-by-Step Guide to Mastering Content Marketing

    Images That Tell Your Dry Cleaning Story

    Great images can make all the difference in your dry cleaning business's marketing. Here are some photo ideas that will help potential customers connect with your services on a more personal level:

    Show the Magic of Transformation

    Nothing speaks louder than dramatic before-and-after photos. That wine stain that looks impossible to remove? Capture it before you work your magic, then show the spotless result. These visual success stories are perfect for social media where they often stop scrollers in their tracks.

    Pull Back the Curtain

    Most customers never see what happens after they drop off their clothes. Take them behind the scenes with photos of your careful spotting process or your team gently handling delicate fabrics. These glimpses into your world build trust by showing the human care that goes into each garment.

    Teach Through Visuals

    Create simple graphics explaining fabric care symbols or showing which household items should never be used on silk. When customers save and share these helpful visuals, they're spreading awareness of your brand while getting real value.

    Let Your Customers Speak

    A smiling customer holding their perfectly preserved wedding dress tells a more powerful story than any advertisement. With permission, share these moments along with their words about your service. These authentic endorsements resonate with new customers who see themselves in these stories.

    Make Offers Stand Out

    When you're running a special promotion, pair it with eye-catching visuals that reflect the offer—like a bright image of freshly pressed shirts for a business shirt special. Include clear text about the deal and when it expires to create a sense of urgency.

    Embrace the Seasons

    As seasons change, so do clothing needs. Show winter coats being carefully stored in the spring or fall sweaters being refreshed after months in storage. Seasonal content feels timely and relevant, making customers more likely to engage.

    Create Helpful Tutorials

    Short photo sequences showing how to fold a dress shirt properly or remove a makeup stain can be incredibly valuable to customers. These practical guides position your business as helpful experts, not just service providers.

    Highlight Your Green Practices

    If you use eco-friendly cleaning methods, show them in action. Photos of your biodegradable garment bags, energy-efficient equipment, or non-toxic cleaning solutions appeal to environmentally conscious customers who want to feel good about where they take their clothes.

    Introduce Your Team

    Put faces to your business by featuring team members with quick quotes about their expertise or time in the industry. These personal touches help customers feel they're dealing with real people who care, not just another anonymous service.

    Connect With Community

    Share photos from local events you've sponsored or charity initiatives you've supported. These images show you're invested in more than just business—you're part of the fabric of the community.

    Good visuals don't require professional photography. With today's smartphone cameras and some basic editing apps, you can create compelling images that tell your dry cleaning story in an authentic, engaging way.

     


  • 26 Mar 2025 5:00 AM | Dawn Hargrove-Avery (Administrator)

    Week 2: Writing Effective AI Prompts for Maximum Efficiency

    Goal: Teach dry cleaners how to write precise AI prompts to get better results.

    Lesson 1: Why Vague AI Prompts Don’t Work

    Key Takeaways:

    • AI follows instructions exactly as given, so vague prompts lead to poor results.

    • Example of a bad prompt: “Write a social media post about dry cleaning.”

    • Example of a good prompt: “Write a Facebook post announcing our new VIP express service, emphasizing speed and convenience for busy professionals.”


    Action Step:

    • Write down 3 vague prompts you might use in your business and try to make them more specific.

    Lesson 2: How to Structure AI Prompts for Better Results

    Key Takeaways:

    A good AI prompt should include:

    1. Context – Explain what the AI is doing (e.g., writing an ad, responding to a customer, etc.).

    2. Details – Include relevant information (e.g., pricing, speed, benefits).

    3. Tone & Format – Specify if you want a casual, professional, or humorous tone.

    4. Call to Action – Tell the reader what to do next (e.g., “Book now!”).


    Action Step:

    • Practice rewriting a general prompt using this structure.

    Lesson 3: Step-by-Step Guide to Creating AI-Generated Marketing Content

    Key Takeaways:

    • AI can generate social media posts, emails, and even customer service responses if prompted correctly.

    • Example process:

      • Step 1: Define your goal (e.g., promote a new service, announce a special discount).

      • Step 2: Choose your platform (e.g., Facebook, Instagram, email, text message).

      • Step 3: Use a detailed prompt to generate the content.

      • Step 4: Review & personalize AI’s response before publishing.


    Action Step:

    • Use AI to generate a social media post for an upcoming promotion, using the structure from Lesson 2.

    Week 2 Action Guide

    Step 1: Identify Weak AI Prompts in Your Business

    List 3 prompts you currently use that could be improved:

      Step 2: Rewrite & Strengthen the Prompts

      Improve the prompts using the AI prompt structure:

      Weak Prompt Improved Prompt
      Example: "Write about our dry cleaning service." Example: "Write an Instagram post announcing our new same-day dry cleaning service, emphasizing convenience for busy parents. Include a call-to-action: 'Try it today!'"

      Step 3: Generate & Test AI Content

      • Use AI to generate content based on your improved prompts.

      • Review the output and refine if needed.

      • Post the best one on your chosen platform and track engagement.

      Next Week: Integrating AI into Daily Operations Without Chaos


    1. 19 Mar 2025 4:00 AM | Dawn Hargrove-Avery (Administrator)

      Week 1: Understanding AI Agents & Their Roles in Your Business

      Goal: Help dry cleaners grasp how different AI agents work together in their business.

      Lesson 1: What Are AI Agents & Why Should Dry Cleaners Care?

      Key Takeaways:

      • AI agents are digital tools that automate tasks, such as responding to customer messages, managing inventory, and tracking sales.

      • AI is already helping small businesses cut costs, save time, and improve customer service.

      • Dry cleaners who learn to use AI effectively will have a competitive edge.


      Action Step:

      • List 3 daily tasks that take up too much time in your shop and could be automated.

      Lesson 2: How AI Can Automate Different Aspects of Your Business

      Key Takeaways:

      AI works best when agents handle specific business functions:

      1. Customer Service AI – Answers FAQs, sends order updates, and books appointments.

      2. Inventory Management AI – Tracks stock levels and alerts you when supplies run low.

      3. Marketing AI – Creates social media posts, emails, and advertisements.

      4. Sales Tracking AI – Analyzes revenue trends and suggests pricing strategies.


      Action Step:

      • Identify which AI tools you already use (if any) and which areas could benefit from AI support.

      Lesson 3: Creating a Simple AI Workflow for Your Business

      Key Takeaways:

      • AI should integrate smoothly into your existing processes without disrupting operations.

      • Example AI workflow for a dry cleaner:

        • AI tracks completed orders in the POS system.

        • AI sends automated text notifications to customers.

        • AI schedules social media posts promoting special discounts.

      • The goal is efficiency, not complexity.


      Action Step:

      • Draft a simple AI workflow for your shop using the template below.

      Week 1 Action Guide

      Step 1: Identify Time-Consuming Tasks

      List 3 tasks in your business that take too much time:

        Step 2: AI Role Matching

        Match the tasks with AI categories:

        Task AI Agent Type (Customer Service, Marketing, Sales, Inventory)
        1.
        2.
        3.

        Step 3: Build a Simple AI Workflow

        Fill in this workflow template for your business:

        • Step 1: Customer places an order ➝ (What happens next? AI action)

        • Step 2: __________________ ➝ __________________

        • Step 3: __________________ ➝ __________________

        Next Week: Writing Effective AI Prompts for Maximum Efficiency


      1. 12 Mar 2025 10:16 AM | Dawn Hargrove-Avery (Administrator)


        As of March 2025, there is no indication that New York State is considering an expansion of its plastic bag ban to include dry cleaner garment bags. Under the Bag Waste Reduction Law, which took effect on March 1, 2020, garment bags used by dry cleaners are explicitly exempt, along with bags used for items like uncooked meat and newspapers. These exemptions were designed to account for the practical needs of specific industries.

        While environmental advocacy groups have voiced concerns about certain exemptions and continue to push for stricter measures to reduce plastic waste, there have been no legislative proposals or reported efforts specifically targeting the dry cleaning industry’s exemption. Current advocacy efforts are primarily focused on addressing issues related to thicker plastic bags marketed as reusable and promoting greater adoption of sustainable alternatives, such as reusable totes or paper bags.

        At this time, dry cleaners remain unaffected by any new restrictions under New York’s plastic bag regulations. However, as environmental initiatives and sustainability goals progress, future changes impacting the industry remain possible.

        The New York State FY 2025 budget does not specifically include new provisions or changes to the Bag Waste Reduction Act. However, there are ongoing legislative efforts and proposals related to plastic waste reduction:

        Senate Bill S1260: This bill aims to limit tinted green or brown bags to compostable plastic bags only, but it does not directly amend the Bag Waste Reduction Act. It is currently in the Senate Committee on Environmental Conservation.

        Senate Bill S1260, introduced on January 8, 2025, aims to amend the environmental conservation law to limit tinted green or brown bags to compostable plastic bags for exempt bags under the Bag Waste Reduction Act. Here's where it stands and how it might affect dry cleaners:

        Current Status:

        Introduced: The bill was referred to the Senate Environmental Conservation Committee on January 8, 2025.

        Pending: It is currently awaiting review and action by the committee.

        Potential Impact on Dry Cleaners:

        Exempt Bags: The bill specifically targets bags that are exempt from the bag waste reduction law, such as garment bags used by dry cleaners.

        Tinted Bags: If passed, the bill would prohibit exempt bags from being tinted green or brown unless they are compostable plastic bags.

        Effect on Dry Cleaners: While dry cleaners are exempt from the plastic bag ban, this bill could indirectly affect them if they use tinted bags that are not compostable. They might need to switch to compostable bags or ensure their bags comply with the new regulations.

        Key Points:

        Compliance: Dry cleaners would need to ensure that any tinted bags they use are compostable to comply with the law.

        Cost Implications: There could be additional costs associated with switching to compostable bags if they are more expensive than traditional plastic bags.

        Overall, while S1260 does not directly target dry cleaners, it could influence their packaging choices if they use tinted bags that fall under the exempt categories.

        Packaging Reduction and Recycling Infrastructure Act: Although not part of the budget, this bill aims to reduce single-use plastic packaging by 30% over 12 years. It passed the Senate in the previous session but stalled in the Assembly. Advocates continue to push for its passage.

        The Packaging Reduction and Recycling Infrastructure Act (PRRIA) in New York aims to significantly reduce single-use plastic packaging and improve recycling infrastructure. While dry cleaners are exempt from the plastic bag ban, the broader implications of this act could indirectly affect them:

        Key Provisions of PRRIA:

        Reduction Targets: The bill targets a 30% reduction in single-use plastic packaging over 12 years, with incremental goals starting in 2027.

        Extended Producer Responsibility (EPR): Companies will be responsible for the lifecycle of their packaging, including recycling and waste management costs.

        Toxic Chemical Bans: The bill prohibits the use of certain toxic chemicals in packaging, such as PFAS.

        Recycling Rates: It aims for a 70% recycling rate for all packaging materials by the end of the 12-year period.

        Potential Impact on Dry Cleaners:

        Indirect Effects: While dry cleaners are exempt from the plastic bag ban, they might face increased costs if they use other types of packaging affected by the bill, such as cardboard or paper packaging.

        Sustainability Expectations: The broader shift towards sustainability could influence consumer expectations, potentially encouraging dry cleaners to adopt more eco-friendly packaging options voluntarily.

        Supply Chain Impacts: If suppliers of packaging materials to dry cleaners are impacted by the bill, there could be changes in the availability or cost of packaging materials.

        Challenges and Opportunities:

        Challenges: Small businesses, including some dry cleaners, might face challenges if they rely on packaging that becomes more expensive due to the regulations.

        Opportunities: The focus on sustainability could create opportunities for dry cleaners to differentiate themselves by adopting eco-friendly practices, potentially attracting environmentally conscious customers.

        Overall, while PRRIA does not directly target dry cleaners, it contributes to a broader environmental policy landscape that may influence their operations and customer expectations.

        Environmental Funding: The budget includes significant funding for environmental initiatives, such as the Clean Water Infrastructure Act and the Environmental Protection Fund, but these do not specifically target the Bag Waste Reduction Act.

        The environmental funding initiatives in New York, such as the Clean Water Infrastructure Act and the Environmental Protection Fund (EPF), do not directly target the Bag Waste Reduction Act or specifically affect dry cleaners. However, these programs can indirectly influence dry cleaners in several ways:

        Clean Water Infrastructure Act:

        Water Quality Improvements: Funding for clean water infrastructure can improve wastewater management, which is crucial for dry cleaners using water-based cleaning methods. Enhanced wastewater systems can help reduce environmental impacts from water-based cleaning processes.

        Regulatory Compliance: Improved water infrastructure can also support compliance with environmental regulations, such as those under the Clean Water Act, which governs water discharges and stormwater runoff6.

        Environmental Protection Fund (EPF):

        Sustainability Initiatives: While EPF primarily supports projects like land conservation and habitat restoration, it also funds initiatives that promote recycling and sustainable practices7. Dry cleaners might benefit from grants or programs focused on sustainable business practices, such as converting to wet cleaning methods.

        Community Development: EPF projects often enhance local environments and community spaces. This could indirectly benefit dry cleaners by improving local business environments and promoting sustainable practices among consumers.

        Potential Impact on Dry Cleaners:

        Adoption of Sustainable Practices: Environmental funding initiatives can encourage businesses to adopt more sustainable practices. Dry cleaners might explore alternatives like wet cleaning or carbon dioxide cleaning, which could reduce their environmental footprint and align with broader sustainability goals.

        Regulatory Compliance Support: Enhanced environmental infrastructure and funding can support compliance with existing regulations, such as those related to perchloroethylene (perc) use in dry cleaning.

        Overall, while these funding initiatives do not directly target dry cleaners or the Bag Waste Reduction Act, they contribute to a broader environmental policy landscape that encourages sustainability and compliance with environmental regulations.

        Overall, while there are no new budget provisions directly affecting the Bag Waste Reduction Act, ongoing legislative efforts focus on broader plastic waste reduction

        We will continue to monitor this


      2. 12 Mar 2025 9:30 AM | Dawn Hargrove-Avery (Administrator)

        Marketing Feels Overwhelming—But It Doesn’t Have to Be

        If you run a dry cleaning business, you already have enough on your plate.

        You’re handling customers, tracking orders, managing employees—and somehow, you’re supposed to keep up with marketing too?

        • You know you should be posting on social media, but who has time?
        • You want to send promotions, but it’s hard to know what works.
        • You hear about digital advertising, but it feels like a money pit.

        It’s frustrating. You need marketing that actually works—without sucking up all your time.

        That’s where AI marketing comes in.

        A Better Way to Market Your Dry Cleaning Business

        Imagine if your marketing ran automatically—without you stressing over what to post, when to email, or how to get customers to come back.

        That’s what AI-powered marketing does.

        AI can help you:

        • Write and schedule social media posts so your business stays visible.
        • Respond to customer reviews and messages without manual effort.
        • Run smart digital ads that actually bring in new customers.
        • Send personalized offers based on customer habits.
        • Improve your Google ranking so more people find your shop.

        It’s marketing on autopilot—with better results.

        How AI Marketing Works for Dry Cleaners

        You don’t need to be tech-savvy or have a huge budget. AI tools do the heavy lifting for you.

        1. AI-Powered Social Media: Stay Visible Without Lifting a Finger

        Your customers are scrolling Facebook and Instagram daily. But if you’re not posting, they’re not thinking about you.

        With AI, you can:

        • Generate engaging posts in seconds.
        • Schedule content for weeks at a time.
        • Design graphics that look professional.

        No more wondering what to post. AI keeps your business front and center.

        2. AI-Driven Customer Engagement: Never Miss a Review or Message

        A single bad review—or an unanswered customer question—can cost you business.

        AI helps you:

        • Automatically respond to Facebook, Google, and Yelp reviews.
        • Answer common customer inquiries instantly.
        • Send follow-up messages after a customer picks up their order.

        Better engagement = more repeat customers.

        3. AI-Powered Ads: More Customers, Less Ad Spend

        Running Facebook or Google ads can feel like throwing money into the wind. AI removes the guesswork by:

        • Targeting the right people—busy professionals, local families, or hotels.
        • Optimizing ad spend so you get better results for less money.
        • Writing high-converting ad copy automatically.

        With AI, you get smarter advertising that actually works.

        4. AI for Personalized Promotions: Send the Right Offers to the Right People

        Generic promotions don’t work. AI analyzes your customers’ habits and sends:

        • Discounts to customers who haven’t visited in months.
        • Upsells to people who frequently bring in bulk orders.
        • Special promotions for seasonal services like wedding dress cleaning.

        More relevant promotions = higher response rates = more revenue.

        5. AI for Local SEO: Get Found on Google

        When someone searches “dry cleaner near me,” are you showing up? AI helps you:

        • Optimize your website so Google ranks you higher.
        • Generate SEO-friendly blog posts to attract search traffic.
        • Manage your Google My Business listing to increase visibility.

        More visibility = more walk-ins.

        What Happens If You Ignore AI Marketing?

        Let’s be real—your competitors are going to figure this out.

        The dry cleaners using AI will:

        Stay top-of-mind with customers.
        Get more positive reviews and engagement.
        Run cost-effective ads that actually bring in business.
        Attract more local customers searching for dry cleaners.

        Meanwhile, businesses that don’t adapt will start falling behind.

        AI marketing isn’t the future—it’s happening right now.

        What Should You Do Next?

        At NCA, we’re helping dry cleaners implement AI marketing in practical, easy-to-use ways—without the hype or unnecessary complexity.

        Just give us a call or jump on one of our webinars dawn@nca-i.com


      3. 12 Mar 2025 9:22 AM | Dawn Hargrove-Avery (Administrator)


        Satin is a luxurious fabric known for its signature luster and smooth texture. However, its delicate weave structure makes it highly susceptible to damage from abrasion, stain removal attempts, and the mechanical actions of dry or wet cleaning. Understanding the proper methods for handling satin garments is essential to maintaining their quality and appearance.

        Understanding Satin Weaves and Their Unique Properties

        Satin weaves are produced using filament yarns, which are long, continuous fibers derived from natural sources like silk and cotton or synthetic materials such as rayon, polyester, and acetate. Some variations, known as sateen, incorporate staple fibers (shorter fibers of a specific length).

        Key Characteristics of Satin:

        • High sheen and luster: Created by floating yarns that reflect light.
        • Delicate structure: Easily prone to chafing, yarn shifting, and slippage.
        • Vulnerability to damage: Particularly at high-friction areas such as underarms, waistlines, and seat areas.

        Inspection Before Cleaning

        Before processing satin garments, perform a thorough visual inspection to check for: Yarn slippage or shifting (appears as fabric runs)
        Chafing (dull spots from broken floating yarns)
        De-lustering at points of wear

        Identifying these issues in advance helps determine the best cleaning method while managing customer expectations.

        Best Cleaning Practices for Satin Weaves

        The appropriate cleaning method depends on the fiber content of the satin fabric. Always refer to the care label for manufacturer recommendations.

        1. Dry Cleaning Satin Weaves

        Dry cleaning is the preferred method for satin garments made from silk, rayon, or acetate to prevent fiber damage. Follow these best practices:

        • Use a "dry load" (no added moisture) – Excess moisture in the dry-cleaning system can lead to de-lustering.
        • Turn garments inside out and place them in a net bag to minimize mechanical abrasion.
        • Use a short wash cycle (3-4 minutes) or a delicate/fragile program to reduce agitation.

        2. Wet Cleaning Satin Garments

        Wet cleaning can be used for satin fabrics made from cotton, polyester, nylon, and some types of viscose rayon. However, silk, acetate, and some rayons should not be wet cleaned.

        Steps for safe wet cleaning:

        • Turn garments inside out and place them in a net bag.
        • Use a fragile cycle with minimal mechanical action to prevent damage.

        3. Stain Removal on Satin

        Stain removal requires extra care to prevent chafing and fabric distortion.

        • Always spot-treat stains from the reverse side of the fabric.
        • Use a padded brush or a spotting brush covered with a handkerchief to gently tamp the stain.
        • Avoid using a bone scraper, as it may damage the delicate fibers.

        Pressing & Finishing Satin Garments

        Satin fabrics require specialized finishing techniques to maintain their signature sheen.

        • Never spray water on acetate or rayon satins – This can cause distortion, discoloration, or de-lustering.
        • Use bottom (buck) steam to condition satin fabrics before applying pressure.
        • Check steam valves on puffers, hand irons, and pressing machines to ensure there are no leaks, which could cause delustering or water rings.

        Conclusion

        Handling satin garments requires careful inspection, proper cleaning techniques, and specialized finishing methods. By following these guidelines, dry cleaners can protect the delicate nature of satin fabrics while delivering exceptional results to customers.

        For more professional garment care insights, stay tuned for our weekly updates!


      4. 5 Mar 2025 5:00 AM | Dawn Hargrove-Avery (Administrator)

        Treasury Department Suspends Corporate Transparency Act Enforcement for U.S. Companies

        Published: March 4, 2025

        In a major regulatory shift, the U.S. Treasury Department has officially announced the suspension of enforcement of the Corporate Transparency Act (CTA) reporting requirements for U.S. citizens and domestic reporting companies. This decision marks a significant win for small businesses across the country, many of whom have expressed concerns over the complexity and costs associated with complying with the CTA’s beneficial ownership reporting rules.

        What Is the Corporate Transparency Act?

        The Corporate Transparency Act, passed in 2021, was designed to combat money laundering, terrorism financing, and other illicit activities by requiring businesses to disclose information about their beneficial owners — the individuals who ultimately own or control a company. These reports were to be filed with the Financial Crimes Enforcement Network (FinCEN) and non-compliance could have resulted in fines and penalties.

        However, the law has faced considerable pushback from small businesses, advocacy groups, and legal experts who argued that the reporting process was overly burdensome and imposed unnecessary regulatory hurdles, particularly on small businesses and family-owned companies.

        What Has Changed?

        The Treasury Department’s new announcement delivers some major changes that will greatly benefit U.S.-based businesses:

        • No Penalties or Fines for U.S. Companies and Citizens:
          Treasury has suspended all enforcement of CTA-related penalties or fines for U.S. citizens and domestic companies.

        • Future Rules Will Exclude Domestic Companies:
          Treasury also announced plans to narrow the Corporate Transparency Act’s scope, so that only foreign-owned companies will be required to file beneficial ownership reports. Domestic companies will no longer be covered under the CTA after these changes take effect.

        • Support for Small Businesses:
          This action is being framed as part of President Trump’s regulatory reform agenda, which focuses on cutting unnecessary red tape to help small businesses thrive.

        What Does This Mean for Your Business?

        If your business is formed in the U.S. and is owned by U.S. citizens or residents, you can breathe easier. You will no longer be required to submit beneficial ownership reports to FinCEN, and any reports previously filed will not result in penalties for non-compliance.

        For foreign-owned companies, the beneficial ownership reporting requirements will still apply, and Treasury will release a proposed rule soon to formalize these changes.

        Why This Matters

        This is a huge win for small businesses across the country. For many local businesses, navigating the CTA’s reporting requirements would have required hiring lawyers or compliance experts, adding unnecessary expenses and stress. By exempting U.S.-owned companies from these rules, Treasury is removing a significant regulatory burden — allowing business owners to focus on growth, innovation, and serving their customers.

        What Comes Next?

        The Treasury Department has promised to release a proposed rule that will outline the specifics of this shift, followed by a public comment period. Businesses and stakeholders will have the opportunity to weigh in before the rule becomes final.

        In the meantime, if you have questions about how this change might impact your business or if you’re a foreign-owned company that still needs to comply, we’re here to help.

        Final Thoughts

        At the National Cleaners Assocation, we’re committed to keeping you informed about regulatory changes that affect your operations. This suspension of the Corporate Transparency Act’s domestic enforcement is just one of the key updates we’re following, so be sure to check back for further developments.

        If you have any questions or want guidance on compliance requirements for your business, feel free to contact us today


      5. 4 Mar 2025 9:32 PM | Dawn Hargrove-Avery (Administrator)

        At the National Cleaners Association (NCA), we know that dry cleaning businesses have unique insurance needs that can’t be met with one-size-fits-all policies. That’s why we’ve partnered with World Insurance Associates (WIA) to offer tailored insurance solutions designed specifically for dry cleaners. This new collaboration ensures that you have the right coverage for your business, without unnecessary costs or gaps that could leave you vulnerable.

        A Personalized Approach to Insurance

        Unlike standard business insurance plans, the coverage available through NCA’s partnership with WIA is crafted with dry cleaners in mind. From protecting customer garments to ensuring business continuity after an unexpected event, our goal is to provide comprehensive, affordable, and effective coverage that truly meets your needs.

        What makes this program different? Personalized service. We’re not just offering a policy—we’re providing a partnership. With WIA’s industry expertise and NCA’s commitment to dry cleaner success, we work with you to review your existing coverage, identify potential risks, and recommend the best solutions.

        Why Your Renewal Date Matters

        A critical part of getting the best insurance coverage is timing. Many dry cleaners don’t realize they could be overpaying for policies that don’t fully protect them—until it’s too late. That’s why we’re asking every NCA member to submit their renewal date so we can:

         Review your current coverage and make sure you’re getting the best value.
         Identify missing coverage areas that could put your business at risk.
         Provide a competitive quote before your current policy renews, giving you time to explore better options.

        This simple step ensures that you’re never caught off guard, and you have the opportunity to switch to a more cost-effective, comprehensive insurance solution before you’re locked into another year of coverage that may not fully protect you.

        Coverage Designed for Dry Cleaners

        Through this exclusive partnership, NCA members can access industry-specific insurance programs, including:

        • Bailees Insurance – Protects against lost, damaged, or stolen customer garments.
        • Business Interruption Insurance – Provides financial security in case of fires, equipment breakdowns, or unforeseen closures.
        • Employment Practices Liability Insurance (EPL) – Covers lawsuits related to wrongful termination, discrimination claims, and employee disputes.
        • General Liability & Property Insurance – Protects against property damage, theft, and liability risks.
        • Boiler & Equipment Breakdown Insurance – Covers costly machine repairs and downtime.
        • Cyber Liability Insurance – Shields your business from cyberattacks, fraudulent transactions, and data breaches.

        Let’s Build a Safer Future for Your Business

        We’re committed to protecting and strengthening the dry cleaning industry, and this partnership is just one more way NCA is working to bring added value to our members.

        Don’t wait until it’s too late—send us your renewal date today and let us help you secure the best coverage for your business.

         Contact us at info@nca-i.com or call: 212-967-3002 to give us your infomration and schedule a consultation.

        By working together, we can ensure that your business is protected, prepared, and positioned for success.


      6. 4 Mar 2025 8:59 PM | Dawn Hargrove-Avery (Administrator)

        Wrinkle-resistant cotton shirts have become increasingly popular with customers who want to avoid the hassle of ironing. However, as professional cleaners, it’s critical to understand the unique challenges these garments present — both to the cleaning process and their long-term durability.

        Proper education and care recommendations can help set customer expectations and reduce the risk of complaints or damage claims.

        The Science Behind Wrinkle Resistance

        Wrinkle-resistant cotton shirts are treated with resins that bond to the fibers, creating a stiffer structure that resists wrinkling. The quality of the wrinkle-resistant finish depends heavily on:

        • Proper application of the resin during manufacturing.
        • Precise temperature, pressure, and curing time.

        Even when applied correctly, wrinkle-resistant shirts rarely maintain a fully wrinkle-free appearance after home laundering. This is why customers bring them to you — the professional cleaner — for that crisp, just-pressed look.

        The Hidden Problem: Trapped Chemicals

        One major concern for dry cleaners is the way wrinkle-resistant finishes trap residual chemicals from the fabric’s manufacturing process. During initial scouring and dyeing, fabrics are exposed to bleaching agents and acids. Normally, these chemicals are rinsed out after a few home washes.

        However, when the wrinkle-resistant resin is applied, it seals these chemicals into the fibers, preventing them from washing away. When heat is applied during professional laundering and pressing, these trapped chemicals can reactivate — leading to:

        • Fabric weakening.
        • Premature holes, tears, and rips after just a few cleanings.

        This type of damage is often unpredictable, showing up in random places on the shirt — even after seemingly normal handling.

        Resin Friction: Another Cause of Wear

        The resin itself changes the texture and flexibility of the fabric, stiffening the fibers and making them more prone to abrasion damage. Every time the fabric bends, flexes, or rubs during wear or cleaning, it experiences stress that gradually weakens the yarns. This is particularly common in:

        • Cuffs and collars.
        • Seams.
        • Elbow areas.

        This gradual wear is known as resin friction, and it’s a known issue for these garments — regardless of how carefully they’re processed.

        The Shrinkage Factor

        Another issue with wrinkle-resistant shirts is shrinkage. During the application of the resin, the fabric is held under tension (stretched). When exposed to laundering, especially professional laundering, the fabric tries to relax back to its original dimensions. This results in two types of shrinkage:

        • Relaxation shrinkage — noticeable after the first cleaning.
        • Progressive shrinkage — occurring gradually over multiple cleanings.

        This is particularly noticeable in collars, cuffs, and the placket, where customers may complain that their shirts feel tighter or don’t button properly.

        Care Labels vs. Commercial Laundering

        Most wrinkle-resistant shirts carry care labels instructing laundering in warm water and ironing at a low temperature. However, standard shirt laundering processes in commercial operations often involve:

        • Hot water wash cycles.
        • Pressing equipment that reaches 300°F or higher.

        This combination of high heat and residual chemicals trapped in the fabric can accelerate the breakdown of the fibers — shortening the lifespan of the garment and increasing the likelihood of holes and tears.

        Recommended Best Practices for Dry Cleaners

        To better serve your customers and protect these fragile garments, consider:

        1. Informing customers upfront about the limitations of wrinkle-resistant shirts.
        2. Offering a wetcleaning and hand-finishing option for these garments.
        3. Lowering wash temperatures when processing wrinkle-resistant shirts.
        4. Using gentle detergents to minimize chemical activation.
        5. Inspecting garments thoroughly for signs of resin friction or pre-existing damage.

        Educate Your Customers

        Proactively educating your customers about the inherent limitations of wrinkle-resistant shirts helps manage their expectations. Wrinkle-resistant doesn’t mean wear-and-tear-proof, and shirts will have a shorter lifespan than untreated cotton shirts — even with proper care.

        Let your customers know that professional care can extend the wear life, but no method can fully prevent the natural breakdown of these fabrics.

        Bottom Line

        Wrinkle-resistant shirts may be easy for customers to wear — but they’re challenging to clean. By understanding these challenges and communicating them clearly, you not only protect your business from unfair complaints but also build trust by demonstrating your expertise.


      7. 4 Mar 2025 8:46 PM | Dawn Hargrove-Avery (Administrator)

        5 AI Skills Every Dry Cleaner Needs to Stay Competitive

        AI isn’t just for tech companies or giant corporations — it’s already making its way into small businesses like dry cleaners, and it’s changing the game fast. From automating customer communication to streamlining inventory management to helping create marketing content, AI agents can save time, cut costs, and even help you attract new customers.

        But here’s the thing — just having AI tools isn’t enough. To get real results, you need to understand how to use AI agents effectively. Think of it like training a new employee. If you don’t give them the right instructions and processes, they’re not going to perform the way you need them to.

        Here are 5 essential skills dry cleaners need to master to make AI work for their businesses:

        1. Understanding How AI Agents Work Together

        AI agents aren’t just individual tools — they work best as a team, with each agent handling a specific part of your business.
        Think of it like your staff — one person handles customer service, another works in production, someone else manages the books. When everyone knows their role, things run smoothly.


        The same applies to AI agents.

        ·         One agent could handle texting customers about orders.

        ·         Another could create your social media posts.

        ·         A third could track and analyze your sales data.


        Without a clear structure, they step on each other’s toes — and you end up with more problems than solutions.

        2. Writing Effective Prompts for AI Agents

        AI agents follow your lead — the better your instructions, the better their results.
        Writing prompts for AI isn’t just asking for “a social post about dry cleaning.” It’s about being clear, detailed, and specific, so the agent knows exactly what you want.


        For example:
        “Write a Facebook post announcing our new VIP express service, focusing on speed and convenience for busy professionals.”

        Vague prompts lead to confusing (or just plain wrong) results.
        Good prompting takes practice, but once you get the hang of it, it saves you tons of time.

        3. Fitting AI into Your Existing Business Processes

        AI works best when it enhances what’s already working in your shop — not when you throw it into a mess and hope for the best.
        Before adding AI into the mix, make sure your processes — from order intake to delivery — are solid.


        For example, if you want an AI agent to follow up with customers after their orders are ready, make sure:
        Your POS system tracks completed orders accurately.
        Your customer contact info is up to date.
        Your follow-up process is already working manually.


        AI doesn’t fix broken processes — it just speeds up the mess


        4. Combining Your Expertise with AI Insights

        AI is powerful, but it’s not a mind reader. It doesn’t know your regulars or your seasonal slowdowns unless you teach it.
        The most successful cleaners using AI today are the ones who blend their own knowledge with AI’s speed and automation.


        For example:

        • Use AI to write your monthly email campaigns, but add your personal touch.
        • Let AI analyze sales trends, but you make the call on promotions based on your years of experience.

        AI works best when paired with real-world business smarts — yours.

        5. Constant Learning and Adaptation

        The AI tools you use today will change — probably faster than anything else in your business.
        The best way to stay competitive? Stay curious, keep learning, and adapt as new tools and updates roll out.


        NCA is here to help with that. We’ll be sharing:
        Webinars and tutorials on the latest AI tools for dry cleaners.
        Real-life case studies from cleaners already using AI successfully.
        Step-by-step guides to help you test AI solutions in your own business.


        If you sit back and wait, your competitors will pass you by.
        In this fast-changing landscape, staying flexible is your biggest advantage.


        Ready to See What AI Can Do for Your Dry Shop/Boutique?

        At NCA, we’re committed to helping dry cleaners stay ahead of the curve — including making sure you know which AI tools actually work for our industry (and which ones are just hype).


        Want to learn more? Stay tuned for upcoming webinars, hands-on workshops, and exclusive member content designed to help you put AI to work in your business.

        AI isn’t the future — it’s already here. Let’s make sure you’re ready to use it to your advantage.

        Click Here to download the article:

        Feel free to reach out 212-967-3002


      << First  < Prev   1   2   3   4   5   ...   Next >  Last >> 

      News Update:

      We have been made aware that National Waste sold its facility to Clean Earth.

      www.cleanearth.com/contact

      If you visit, www.cleanearth.com/contact and fill out the form, you can get registered as a customer.

      Clean Earth Phone Number: 866-303-7644

      Another option for waste removal is.

      Clean Harbors- Clean Harbors recently purchased Safety Clean

      Visit www cleanharbors.com/locations for a complete list of the facilities.

      example NY  631-703-3451     Bridgeport NJ 856-467-3103

      ERC FAQ's



      I already received PPP. Can I still get the ERC?

      The simple answer is YES! On December 27, 2020, The Taxpayer Certainty and Disaster Tax Relief Act of 2020 was enacted. This Act modified the ERC credit rules. One change included a modification that permits a company to have a PPP loan, and also be able to take advantage of the ERC credit. But, you may not use the same dollar for dollar funds. We consider this when we process your ERC credit.

      How will my ERC tax credit be disbursed?

      We are proud to have established the ERC Master Trust for the benefit of our clients’ Tax Refunds. Eastern Point Trust Company (EPTC) — the same prestigious Trust Company that assisted in disbursing the Flint Contaminated Water Fund, The NFL CTE Concussion Fund, the Bernie Madoff Settlement Fund, and many other nationally known Escrow accounts — is our trust company. Feel safe knowing that all funds received are deposited directly into the Eastern Point Trust Company and are placed into the ERC Master Trust; then dispersed into separate sub-trust accounts for each individual client.

      How do I repay the ERC Credit?

      Another simple answer…You don’t! The ERC credit IS NOT A LOAN! The ERC credit is a refundable tax credit that you are eligible to receive if you meet the criteria. If you do not file for the ERC credit and are eligible for it, you will lose out on receiving thousands, or even millions of dollars that are actually owed to you.


      How long does it usually take to get my ERC Credit?

      The process works in 5 easy steps:

      • You submit our pre-qualifying questionnaire.
      • You will receive a link to upload the documents we will request.
      • Within 2-7 days (and at no charge), we provide you the exact dollar amount of the credit you are owed.
      • If you decide to contract with us, you will select a payment option, and your claim will be filed.
      • Your refund will be generated by the IRS (there is currently a 20-week minimum backlog for ERC refunds).

      Why should I contract ERC Helpdesk…can’t my CPA file for me?

      The only service ERC Helpdesk provides is the calculation and filing for ERC refunds—which is based on your payroll. Your CPA likely handles your business income tax returns. ERC is likely not their specialty. While your CPA can file for your ERC, it is highly likely that because of their unfamiliarity with The Cares Act and ERC credit, they might miss important findings that can make your ERC refund greater. To put it in simpler terms, we are ERC credit experts; your CPA is a tax specialist. You need an ERC expert to maximize the opportunity for a greater ERC refund. In fact, many CPAs and payroll companies do not want to file ERC and refer their clients to us.

      Can I qualify for the ERC program if my 2020 revenue went up?

      Another resounding, “YES!” There are two qualifiers for 2020: either revenue reduction, or a “full or partial shutdown of your business due to COVID-19.” The IRS describes this as “A government authority required partial or full shutdown of your business during 2020 or 2021. This includes your operations being limited by commerce, inability to travel or restrictions of group meetings.” These are some examples of possible qualifying events:

      A business that ordinarily met with clients in person had to cancel meetings due to COVID-19.

      A restaurant was forced to close and/or limit its on-site dining capacity due to COVID-19 restrictions.

      Supply chain interruptions caused your business to have delayed production timelines.

      COVID-19 restrictions lowered the amount of people who could attend an event with your business.

      Your business had to reduce operating hours due to COVID-19 cleaning requirements and restrictions.

      Will the IRS run out of ERC funds?

      The government has funded $400 billion for the ERC credit program. When the funds are exhausted, the program will end. If you are an eligible employer, currently, there are funds available, and you will receive the ERC credit. The faster you file, the more likely you are to receive your credit.

      As an owner, do my wages or the wages of any family member I employ qualify?

      Maybe. Wages of owners who have majority ownership, defined as over 50%, do not qualify, nor do the W2 wages of any immediate family members of the owner. In the case an owner has 50% or less ownership, their W2 wages qualify, as do the W2 wages paid to immediate family members.

      Is the ERC Credit taxable?

      For federal income tax purposes, you will need to provide the credit information to your CPA and report it on your tax return.

      We have researched the Employee Retention Credit, but we do not offer accounting or legal advice. Please contact your attorney and CPA regarding this program.

      Blog posts

      According to the record, The City Council took this action based on the recommendation of the Workplace Taskforce, of which the NCA was an active member.

      On July 18, 2021, the City enacted Local Law 80 of 2021, which repeals the licensing requirement for retail laundries. This repeal goes into effect on December 31, 2021.

      Beginning December 31, 2021, you will no longer need a Retail Laundry license from DCWP to operate your retail laundry business. Because the license is no longer required, DCWP will no longer accept new or renewal license applications.

      NOTE: Industrial Laundry and Industrial Laundry Delivery businesses will continue to be licensed. The license repeal is only for Retail Laundries.

      NEXT STEPS:

      On December 31, 2021, your current Retail Laundry license will expire and you may take down DCWP’s license sign. You will not need to surrender or renew your Retail Laundry license.

      Even though you will no longer need a license for your retail laundry, you will still be required to comply with other laws DCWP enforces, such as:

      • Your business’s bills, tickets, business cards, advertising and stationery must list your business name and address;
      • Every document (example: receipt, delivery ticket, invoice, statement, etc.) that contains charges to a consumer must accurately and clearly state each of the laundry charges, not just the total charge;
      • All vehicles used for delivery of laundry must include your business’s name, address, and telephone number in letters at least 2 inches in height;
      • You must post a price list where orders are placed or payments are made by consumers;
      • Your price list must contain a list of services offered, the minimum price charged for each service, and a description of any factors that may cause the price to be higher than the minimum. Your price list must not contain different prices for men and women for the same services;
      • If scales are used to weigh laundry on the premises, each scale must have a DCWP seal and must be inspected annually;
      • If your business offers self-service laundry machines to the general public:
      • an attendant must be on site from 8:00 P.M. until closing or 6:00 A.M. the following day, whichever is earlier; and
      • you must post a sign in a location that is clearly visible to consumers which states to whom complaints and claims for refunds must be made.


      Repeal of Retail Laundry License


      COVID-19 Response Document


      https://www.governor.ny.gov/news/no-20213-continuing-temporary-suspension-and-modification-laws-relating-disaster-emergency

      Sections 3203 and 4510 of the Insurance Law are modified to extend the grace period for the payment of premiums and fees to 90 days for any life insurance policyholder or fraternal benefit society certificate holder, as those terms are used in such sections, facing a financial hardship as a result of the COVID-19 pandemic;  

      Sections 3203, 3219, and 3220 of the Insurance Law are modified to provide a life insurance policyholder or annuity contract holder or a certificate holder, as those terms are used in such sections, under a group policy or contract with 90 days to exercise rights or benefits under the applicable life insurance policy or annuity contract for any policyholder or contract holder or certificate holder under the group policy or contract who is unable timely to exercise rights or benefits as a result of the COVID-19 pandemic;

      Section 1116 and Articles 34, 53, 54, and 55 of the Insurance Law and Sections 54 and 226 of the Workers’ Compensation Law are modified to impose a moratorium on an insurer canceling, non-renewing, or conditionally renewing any insurance policy issued to an individual or small business, or, in the case of a group insurance policy, insuring certificate holders that are individuals or small businesses, for a period of 60 days, for any policyholder, or in the case of a group insurance policy, group policyholder or certificate holder, facing financial hardship as a result of the COVID-19 pandemic.  The foregoing relief shall also apply to the kinds of insurance set forth in paragraphs (16), (17), (20), (21), (24), (26), and (30) of Section 1113(a) of the Insurance Law.  For purposes of this Executive Order, a small business shall mean any business that is resident in this State, is independently owned and operated, and employs one hundred or fewer individuals;

      City

      New York City – 5 Boroughs

      NY Hero Act, Model Airborne Infectious Disease Exposure Prevention Plan

      Protecting New York Workers from Airborne Diseases

      On May 5, 2021, Governor Andrew Cuomo signed the New York Health and Essential Rights Act (NY HERO Act) into law. The law mandates extensive new workplace health and safety protections in response to the COVID-19 pandemic. The purpose of the NY HERO Act is to protect employees against exposure and disease during a future airborne infectious disease outbreak.

      Under this new law, the New York State Department of Labor (NYS DOL), in consultation with the NYS Department of Health, has developed a new Airborne Infectious Disease Exposure Prevention Standard, a Model Airborne Infectious Disease Exposure Prevention Plan, and various industry-specific model plans for the prevention of airborne infectious disease. Employers can choose to adopt the applicable policy template/plan provided by NYS DOL or establish an alternative plan that meets or exceeds the standard’s minimum requirements.

      The airborne infectious disease exposure prevention plans must go into effect when an airborne infectious disease is designated by the New York State Commissioner of Health as a highly contagious communicable disease that presents a serious risk of harm to the public health. 

      Currently, while employers must adopt plans as required by the law, as of the date of this writing no designation has been made and plans are not required to be in effect.

      The standard and model plans are available in English and will be available in Spanish in the coming days. Employers are required to provide a copy of the adopted airborne infectious disease exposure prevention plan and post the same in a visible and prominent location within each worksite.

      Templates that apply to the Dry Cleaning Industry

      Eviction Updates by State


      Economic Injury Disaster Loan Assistance:

      https://www.sba.gov/disaster/apply-for-disaster-loan/index.html

      Online Application:

      https://covid19relief.sba.gov/#/

      U.S. SMALL BUSINESS ADMINISTRATION ECONOMIC INJURY DISASTER LOAN SUPPORTING INFORMATION

      https://www.sba.gov/disaster/apply-for-disaster-loan/pdfs/Economic%20Injury%20Disaster%20Loan%20Supporting%20Information%20(P-019).pdf

      Additional Forms

      A Disaster Assistance loan officer may request you to fill out the following additional forms:

      Home Loans or Sole Proprietor Loans

      Download corresponding forms below:

      Mailing Instructions

      All required documents listed below under Forms must be returned. All forms requiring signature must be signed and dated. Incomplete applications will not be accepted.

      U.S. Small Business Administration

      Processing and Disbursement Center

      14925 Kingsport Rd.

      Ft. Worth, TX 76155-2243

      If you have any questions, please contact 1-800-659-2955 or (TTY) (800) 877-8339

      Use this form to upload your disaster loan application.

      the 100 most active SBA 7(a) lending banks

      https://www.sba.gov/article/2020/mar/02/100-most-active-sba-7a-lenders

      State

      New York- Insurance

      NYS Executive Order 202.13   Re-Insurance Law Modifications

      Insurance Carriers must allow a 60 day grace period

      https://www.governor.ny.gov/news/no-20213-continuing-temporary-suspension-and-modification-laws-relating-disaster-emergency

      Sections 3203 and 4510 of the Insurance Law are modified to extend the grace period for the payment of premiums and fees to 90 days for any life insurance policyholder or fraternal benefit society certificate holder, as those terms are used in such sections, facing a financial hardship as a result of the COVID-19 pandemic;

      • Sections 3203, 3219, and 3220 of the Insurance Law are modified to provide a life insurance policyholder or annuity contract holder or a certificate holder, as those terms are used in such sections, under a group policy or contract with 90 days to exercise rights or benefits under the applicable life insurance policy or annuity contract for any policyholder or contract holder or certificate holder under the group policy or contract who is unable timely to exercise rights or benefits as a result of the COVID-19 pandemic;

      • Section 1116 and Articles 34, 53, 54, and 55 of the Insurance Law and Sections 54 and 226 of the Workers’ Compensation Law are modified to impose a moratorium on an insurer canceling, non-renewing, or conditionally renewing any insurance policy issued to an individual or small business, or, in the case of a group insurance policy, insuring certificate holders that are individuals or small businesses, for a period of 60 days, for any policyholder, or in the case of a group insurance policy, group policyholder or certificate holder, facing financial hardship as a result of the COVID-19 pandemic.  The foregoing relief shall also apply to the kinds of insurance set forth in paragraphs (16), (17), (20), (21), (24), (26), and (30) of Section 1113(a) of the Insurance Law.  For purposes of this Executive Order, a small business shall mean any business that is resident in this State, is independently owned and operated, and employs one hundred or fewer individuals;

      Small Business

      Federal

      CARES

      The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses who maintain their payroll during this emergency.

      What will lenders be LOOKING FOR?

      In evaluating eligibility, lenders are directed to consider whether the borrower was in operation before February 15, 2020, and had employees for whom they paid salaries and payroll taxes or paid independent contractors.

      Lenders will also ask you for a good faith certification that:

      1. The uncertainty of current economic conditions makes the loan request necessary to support ongoing operations

      2. The borrower will use the loan proceeds to retain workers and maintain payroll or make mortgage, lease, and utility payments

      3. Borrower does not have an application pending for a loan duplicative of the purpose and amounts applied for here

      4. From Feb. 15, 2020, to Dec. 31, 2020, the borrower has not received a loan duplicative of the purpose and amounts applied for here (Note: There is an opportunity to fold emergency loans made between Jan. 31, 2020 and the date this loan program becomes available into a new loan)

      If you are an independent contractor, sole proprietor, or self-employed individual, lenders will also be looking for certain documents (final requirements will be announced by the government) such as payroll tax filings, Forms 1099-MISC, and income and expenses from the sole proprietorship.

      Revised PPP application form (4/2/2020)

      https://home.treasury.gov/system/files/136/Paycheck-Protection-Program-Application-3-30-2020-v3.pdf

      Revised PPP Loan Updated (6/2020)

      As of Thursday morning, the Senate unanimously approved a new bill that makes PPP loans more flexible in how and when they’re used. The House passed its version last week. Now, the bill just needs to be signed by the president for it to become law.

      The centerpiece of the CARES Act, the PPP, was intended to prop up small businesses like dry cleaners and help keep small business employees on the payroll. Loans can be for 2.5 times payroll costs, with no collateral. Most significantly, PPP loans can be forgiven, fully or in part, depending on if borrowers maintain headcounts and payrolls at pre-pandemic levels and use their loan for permitted expenses.  Many cleaners applied for, and some received this assistance

      The money can be used for payroll (no more than $100,000 annual salary per employee) as well as benefits (including paid sick leave and insurance premiums) and taxes on compensation. The new bill passed by the Senate allows for up to 40% (rather than 25%) of the loan to be used to cover mortgage interest, rent, and utilities.

      The new bill also expands the amount of time borrowers have to spend their loan and have them forgiven. Before, covered expenses had to be incurred over the eight weeks right after loan disbursement. Now, small business owners have 24 weeks. Also, they have until December 31, 2020 (instead of June 30) to rehire or restaff up to their pre-pandemic level.

      Any portion of the loan that is not forgiven will carry an interest rate of 1.0% and is due to be paid back within five (instead of two) years. However, payments are deferred for the first six months. There’s no pre-payment penalty.


      PPP Loan Forgiveness

      Borrowers will have their loans forgiven if they use the money for designated expenses. Participants are eligible for loan forgiveness for the amounts spent on authorized expenses over 24 weeks after loan disbursement.

      Total payments for payroll may be forgivable. Mortgage interest, rent, and utilities are also forgivable, up to 40% of the PPP loan. (Note that if your loan is forgiven, these expenses covered by the loan are not tax-deductible, the IRS recently stated in Notice 2020-32.)

      To get the entire amount of the loan forgiven (assuming that at least 60% is spent on payroll and the rest on permitted expenses), you must meet two criteria. 

      First, the full-time employee headcount cannot decline from average monthly levels during 2019 or during the past 12 months. If your business launched in the second half of 2019, you can use average headcounts from January 1, 2020, to February 29, 2020. If your business is seasonal, you can base your monthly averages on numbers from February 15, 2019, or March 1, 2019, to June 30, 2019.

      Second, for loans to become full grants, employers cannot cut salaries or wages. If they do, the forgiven amount will be reduced. Employers who already let workers go (between February 15 and April 26, 2020) have until December 31 to restaff.

      The SBA has released the application for PPP loan forgiveness. It is two pages, plus nine pages of instructions and worksheets.  Three big changes to note:

      1.      Instead of having to use your loan to cover the eight weeks right after loan disbursement, borrowers can start with the first pay period after the loan disbursement. (So if you receive the loan on Thursday, and your next pay period starts on Sunday, you can start with that Sunday pay period.)

      2.      Borrowers are not required to report all allowed non-payroll costs (i.e., rent, mortgage interest, and utilities) if they don’t want to include them in the forgiveness amount. Before, there was some confusion over this; the flexibility may help borrowers keep their non-payroll costs within the required percentage (25%).

      3.      The SBA recognizes that some employees who have been let go may get new jobs, or some may be fired with cause. So now there is a safe harbor for these situations.

      --  The SBA has a summary of loan terms here.  link address.....https://home.treasury.gov/system/files/136/PPP--Fact-Sheet.pdf 

      If you were wary of applying for PPP money before due to the nebulous information regarding forgiveness, consult with your accountant about whether the new terms make it a more comfortable fit for your business.

      To increase your likelihood of getting money in the new round of funding, you should line up a bank and apply right away. Applications have slowed down compared to the first round, but the program is first-come, first-served. The deadline is June 30.  


      Small Business Continuity Fund

      1. As of March 27th, applications are open for INTEREST-FREE LOANS through the Small Business Continuity Fund. Go to https://www1.nyc.gov/nycbusiness/article/nyc-small-business-continuity-loan-program

      The Fund, a public-private partnership between Goldman Sachs 10,000 Small Businesses, Tapestry, Inc.’s Coach Foundation and Pursuit, offers loans of up to $75,000 to small businesses in New York City as they deal with various challenges in response to the novel coronavirus. To qualify, businesses must:

      • Be located within the five boroughs of New York City

      • Demonstrate that the COVID-19 outbreak caused at least a 25% decrease in revenue

      • Employ 99 employees or fewer in total across all locations • Demonstrate ability to repay the loan

      • Have no outstanding tax liens or legal judgments

      As part of the application, businesses will be required to demonstrate a revenue decrease by providing documentation such as: point-of-sales reports, bank statements, quarterly sales tax filings, 2019 tax returns, or CPA-certified profit & loss statements. Goldman Sachs Foundation will provide a grant to support technical assistance and capacity-building for the Small Business Continuity Fund.


      The Employee Retention Grant Program

      2. The Employee Retention Grant Program is available to help small businesses deal with the impact of COVID-19. Go to https://www1.nyc.gov/nycbusiness/article/nyc-employee-retention-grant-program

      The City has launched the Employee Retention Grant Program to help retain employees as businesses face decreased revenue.

      This program is available to New York City businesses with:

      a. one to four employees and

      b. can demonstrate at least a 25% decrease in revenue as a result of COVID-19.

      Eligible businesses will receive a grant covering up to 40% of their payroll for two months. Businesses can access up to $27,000.

      Who Can Apply?

      Businesses must:

      • Be located within the five boroughs of New York City

      • Demonstrate that the COVID-19 outbreak caused at least a 25% decrease in revenue

      • Employ 1-4 employees in total across all locations

      • Have been in operation for at least 6 months

      • Have no outstanding tax liens or legal judgments

      3. Northern Manhattan Emergency Recovery Fund

      The Northern Manhattan Emergency Recovery Fund has received $2 million from Presbyterian Hospital for immediate relief to aid in the recovery and development of the community. The Fund will be administered by the Hispanic

       Federation. Go here for details https://hispanicfederation.org/nomafund/


      For Employees

      Federal

      State 

      City 


      Things to Consider

      Miscellaneous

      The New York State ban on plastic bags has been postponed from April 1st toMay 15th Utilities have been ordered to not shut off service for gas, water, or electricity.

      For NYC Employees

      Verizon, Spectrum, and other cable providers' offer for free internet for households with school-age children. Verizon is also offering other learning tools and some premium TV channels offered to customers at no additional cost. Read the release: http://verizon.com/about/news/verizon-customers-learning-tools-premium-tv

      Con Ed has halted all meter reading and installation of smart meters; stopped shutoffs of electric, natural gas or steam service due to non-payment resulting from the health crisis; waived new late-payment charges; and suspended the fee charged to a customer who is unable to grant access to their property. They WILL continue to shut off service when there is a safety issue. Customer service walk-in centers are shut. Residential customers can choose one of the alternate ways to pay their bill, including online at My Account, by mail with a check or money order, or by phone at 1-888-925-5016,

      SNAP ASSISTANCE. The nonprofit expensify.org will reimburse SNAP participants $50 after they use their EBT card for approved purchases and submit a receipt. They are allocating these funds to help families in need to purchase essential groceries during the COVID-19 outbreak. There's no "catch" and the money is directly deposited into the participant's bank account. Employees should visit Expensify.org/hunger for more information.

      Beginning Monday, March 23rd, free meals will be distributed at more than 400 sites across the city. Students may pick up three meals at one time. Find a location near you.

      The New York State ban on plastic bags has been postponed from April 1st to May 15th 


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