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    Our industry is facing a difficult time, with an oversupply in world markets, a downturn in demand, and coronavirus concerns forcing us to work in ways we’ve never had to before. The NDPC staff has made adjustments to where we are working, but we want to assure you that we are here and ready to serve.

    We have put together a list of ways we can help in our communities, as well as a list of resources for your business to obtain assistance from recently passed federal legislation. We will continue to distribute information as we receive it.

    As always, please let us know if there is anything else we can do for you or any information you might need. We are here.

    COVID-19 Compliant Workplace Tools

    Help Your Community

    Resources for your Business


    Many organizations in our communities are struggling to help those in need and could use your support. Below is a list of organizations looking for resources. Please let us know if you are aware of any others that should be added to the list.

    Personal Protective Equipment (PPE) Donation Drives

    Nearly every healthcare provider could use PPE and medical supplies to prepare and help respond to the COVID outbreak in our communities. Click the links below for ongoing donation drives.

    Ward County Emergency Management

    McKenzie County Healthcare Systems


    Northwest North Dakota Community Foundation

    The Northwest North Dakota Community Foundation (NWNDCF) works to serve and strengthen communities across Williams, Divide, McKenzie, and Mountrail Counties every day.  In light of recent events, NWNDCF has established the NWNDCF Relief Fund to support communities and nonprofits as they deal with the myriad of issues posed by the downturn of the oil and gas industry and the COVID-19 virus. LEARN MORE


    Oilfield Helping Hands

    Oilfield Helping Hands was established to help oilfield families with financial assistance in times of crisis. They are currently developing an online donation campaign, as they have had a number of applications for assistance in the last week alone. We will pass along those details as they are developed. LEARN MORE


    Great Plains Food Bank

    The Great Plains Food Bank’s immediate COVID-19 response statewide is to continue to support their partner food pantries by supplying them with the critical food they need to feed their neighbors.  Because the supply chain is somewhat limited at the moment (retail food donations down due to consumer hoarding, delayed donations from manufacturing, etc.), they must purchase food by the semi-load (at $25,000/load) to meet the immediate needs. Help ensure those in need can continue to receive emergency food boxes by donating or hosting a virtual food drive today. LEARN MORE


    United Way

    The Missouri Slope Areawide United Way has created a Pandemic Relief Fund to support our community’s unsheltered residents who are especially vulnerable to the coronavirus, and low-income individuals, students and families at imminent risk of hunger and homelessness due to health and economic impacts of coronavirus. LEARN MORE


    Donate Blood

    Our region is in desperate need of blood donations. With the onset of COVID-19 concerns, many blood drives were canceled and donations decreased dramatically, but blood is still needed to service our region’s hospitals. Every precaution is being taken to protect donors from COVID-19. Please consider donating or hosting a blood drive today. LEARN MORE



    COVID Training Guidance from AssuredPartners

    CARES Act

    On Friday, March 27, 2020, President Trump signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act into law. This law is meant to deliver relief to our country’s families, workers, and businesses during this unprecedented time of economic slowdown in reaction to the spread of coronavirus. This legislation includes many provisions that can be helpful to our membership in responding to this downturn so we want to share all of the information and resources we have.

    General Overview:

    Our Congressional delegation has provided valuable information about the bill and how it can help you. See these links:

    Statement and Summary from Senator Hoeven

    Statement and Summary from Senator Cramer

    Statement and Summary from Congressman Armstrong (Specific information that will likely be of interest to our membership is included below, courtesy of Congressman Armstrong’s office.)


    The North Dakota Department of Health also has numerous resources for the public regarding coronavirus.

    Coronavirus Resources for the Public


    Small Business Specific Information:

    The U.S. Small Business Administration has provided information for small businesses to seek assistance.

    Coronavirus (COVID-19): Small Business Guidance & Loan Resources


    The U.S. Chamber of Commerce hosted a “National Small Business Town Hall” on March 27 to help small business owners understand what programs are available to them in the CARES Act. They have also created a summary of all small business coronavirus assistance provisions.

    Summary and Video of National Small Business Town Hall

    Summary of all small business assistance provisions


    Contact your Bank:

    Regulatory agencies have encouraged financial institutions to work with customers impacted by the coronavirus. Customers experiencing difficulties beyond their control should work directly with their financial institutions.

    Bank of North Dakota

    FAQs for Bank Customers (from FDIC)



    CARE ACT PROVISIONS OF INTEREST (courtesy of Congressman Armstrong’s office):

    Expanded Unemployment Insurance

    The CARES Act expands the size and scope of unemployment benefits for laid-off Americans during this unprecedented time. The bill makes benefits more generous by adding a $600/week across-the-board payment increase to existing unemployment insurance amounts through the end of July. In addition, for those who need it, the bill provides an additional 13 weeks of benefits beyond what states typically allow.

    The expansion in unemployment benefits expires at the end of 2020 in recognition of the temporary nature of this challenge.

    Are self-employed, gig workers, and contractors eligible for unemployment?

    Yes, the bill expands unemployment benefits to cover more workers including self-employed and independent contractors, like gig workers and Uber drivers, who do not usually qualify for unemployment. The bill also includes support to state and local governments and nonprofits so they can offer unemployment benefits to their employees. Please contact the North Dakota Job Service for specific eligibility information: https://www.jobsnd.com/unemployment-individuals/file-claim.


    Small Business Assistance

    Paycheck Protection Loans

    The CARES Act creates a new Paycheck Protection loan program administered by the Small Business Administration (SBA). Here is the topline information:

    Who is eligible for a Paycheck Protection loan?

    Can small businesses hire back previously fired employees and still have the loans forgiven? If so, what is the hire-back date?

    Yes. There is flexibility in the program to allow businesses to hire new, or returning employees, by June 30, 2020, and still qualify under the headcount requirements.

    Is there a cap on the loan amount?

    The maximum loan amount will be the lesser of $10 million or 2.5 times the average monthly payroll based on the prior year’s payroll.

    What expenses are eligible to be paid from the loan?

    Where can I apply for this loan?

    Both existing SBA lenders and new lenders brought into the program with the assistance of the Department of the Treasury will be able to offer these loans to eligible small businesses.

    How fast will I receive the loan? 

    To increase speed and turnaround time within this new loan product, all lenders will have delegated authority. Delegated authority allows the lender to process, close, and service a loan without SBA review.

    Additionally, all borrower and lender fees for Paycheck Protection loans will be waived. The Credit Elsewhere Test and all requirements for personal guarantees under Paycheck Protection loans will also be waived.

    When do I have to start paying the loan back?

    The CARES Act includes an automatic deferral of principal, interest, and fees for six months for Paycheck Protection loans.

    What if I already have applied for or received an SBA Economic Injury Disaster Loan?

    Businesses will be able to receive an Economic Injury Disaster Loan (EIDL) and a Paycheck Protection loan if they are used for different things. For example, a business can receive an EIDL for working capital and a Paycheck Protection loan for payroll assistance. There are no prepayment penalties on EIDLs and no prepayment penalties on Paycheck Protection loans. Additionally, a refinancing option is included.

    What is the loan forgiveness tool, and how much can be forgiven?

    The bill establishes a loan forgiveness tool that allows businesses that maintain payroll continuity from February 15, 2020, through June 30, 2020, as defined by headcount, to request forgiveness on the portion of the Paycheck Protection loan used on payroll costs; mortgage interest; rent; and utility costs over an 8-week period.

    Payroll Tax Credit

    The CARES Act creates an Employee Retention Credit, which is a refundable payroll tax credit equal to 50 percent of up to $10,000 in wages per employee (including health benefits) paid by certain employers during the coronavirus crisis.

    Who is eligible for the Employee Retention Credit?

    The credit is available to employers:

    Wages paid to employees during the period which they are furloughed or otherwise not working (due to reduced hours) as a result of their employer’s closure or economic hardship are eligible for the credit. However, for employers with 100 or fewer employees, all employee wages qualify for the credit, regardless of whether they are furloughed or face reduced hours.

    The credit is for wages paid by eligible employers from March 13, 2020 through December 31, 2020.

    Can I receive both the Employee Retention Credit and an SBA-backed Paycheck Protection loan?

    No. Employers that receive Paycheck Protection loans are not eligible for the Employee Retention Credit. Additionally, wages that qualify for the required paid leave credit are not eligible for the credit.

    Additional Small Business Tax Relief

    Delayed Payroll Tax Payment: The CARES Act authorizes employers to delay the payment of their 2020 payroll taxes until 2021 and 2022, providing businesses with an extra $300 billion in cash flow.

    Carry-Back Losses: The CARES Act allows businesses to carry back losses from 2018, 2019, and 2020 to the previous 5 years, which will allow businesses access to immediate tax refunds.

    Investment in Improvements: The CARES Act fixes cost recovery for investments in Qualified Improvement Properties, which will allow businesses that made these investments in 2018 and 2019 and receive tax refunds now.


    State and Local Governments & Distressed Industries

    The CARES Act provides emergency relief to distressed businesses as well as state and local governments, including $425 billion for loans, loan guarantees, and investments in support of facilities established by the Federal Reserve for purpose of providing liquidity to businesses, states, or municipalities through purchasing obligations or other interests directly from issuers of such obligations or other interests.

    Who is eligible and how are the funds accessed?

    All industries and firms are eligible to benefit from the broad financing from the Treasury fund to the extent they don’t receive sufficient assistance from other programs. How to access this support will depend on the size and model of the business and the exact facility used.

    Regional airports/airlines – what assistance are they eligible to receive?

    Passenger airlines are eligible for $25 billion in loan authority and $25 billion in grants to maintain their operations, employee payroll, and contracts around the country. The bill also includes $4 billion in loan authority and $4 billion in grants for cargo air carriers.

    The bill provides $10 billion in grants through the Airport Improvement Program to support projects and operations at airports around the country. It also provides $3 billion in grants for contractors employed by the airlines to ensure that airlines can maintain existing operations contracts. The bill also includes $56 million for the Essential Air Service to maintain existing air service to rural communities.

    What does this bill do to put restrictions on the airlines accepting grants and loans?

    The loans come with conditions including: restrictions on executive compensation; prohibition on stock buybacks and the prohibition on paying dividends for the duration of the loan plus 12 months; the airline or business must maintain its existing employment levels through September 30, 2020, to the extent practicable, and in no case reduce it by more than 10%.

    How does it support airports and affiliated contractors?

    The bill provides $10 billion in grants to airports to help them maintain employment, continue operations, clean and sanitize to prevent the spread of coronavirus, and service airport construction debt. The bill also provides $3 billion in payroll support grants to airline contractors, including baggage handlers, wheelchair pushers, and caterers. These grants can only be used for paying employees and contractors that receive grants must maintain current employment levels through September 2020.