{"id":20090,"date":"2020-05-04T19:40:00","date_gmt":"2020-05-04T19:40:00","guid":{"rendered":"https:\/\/smh.group\/?p=20090"},"modified":"2023-02-15T13:51:48","modified_gmt":"2023-02-15T13:51:48","slug":"covid-19-measures-4-may-2020","status":"publish","type":"post","link":"https:\/\/devstagesite.co.uk\/smhgroup\/covid-19-measures-4-may-2020\/","title":{"rendered":"Covid-19 measures:  4 May 2020"},"content":{"rendered":"\n<p>Following the range of updates over the last several weeks, we have now rounded up the latest information from the government on specific schemes where additional detail was released. This update covers measures discussed on 4 May.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.gov.uk\/guidance\/apply-for-a-coronavirus-bounce-back-loan\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Bounce Back Loan Scheme (BBLS)<\/a><\/h3>\n\n\n\n<p>The\nscheme opened for business at 9.00 am on 4 May. Since last week\u2019s initial\nannouncement further details have emerged:<\/p>\n\n\n\n<p><strong>Terms<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The\nloan can be between \u00a32,000 and \u00a350,000, subject to a maximum of 25% of\nturnover.<\/li><li>The\ngovernment provides a 100% guarantee <em>to the lender<\/em>: the always borrower\nremains fully liable for the debt. <\/li><li>No\nsecurity is required.<\/li><li>The\nfirst year\u2019s interest will be covered by a government Business Interruption\nPayment. During that period, the borrower does not have to make any repayments.<\/li><li>The\ninterest rate thereafter is set at 2.5%.<\/li><li>There\nare no fees for the borrower.<\/li><li>The\nmaximum term of the loan is six years, but repayment is allowed at any time. No\nearly repayment fees will apply.<\/li><\/ul>\n\n\n\n<p><strong>Criteria<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The application form contains only seven questions which require basic information, e.g. turnover, company number etc. <\/li><li>While the <a href=\"https:\/\/www.british-business-bank.co.uk\/ourpartners\/coronavirus-business-interruption-loan-schemes\/bounce-back-loans\/for-businesses-and-advisors\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"><strong><span style=\"text-decoration: underline;\">British Business Bank<\/span><\/strong><\/a> will run the scheme, it recommends businesses should directly approach lenders. At present only ten banks are participating (nine of which are High Street names). Only one, HSBC, is offering loans to non customers, subject to know-your-customer and other checks. <\/li><li>The borrower must be based in the UK, have been negatively affected by coronavirus and be able to confirm that on 31 December 2019 it was not a \u201cbusiness in difficulty\u201d. <\/li><li>If the business cannot pass that end-2019 financial test, then it must certify that the loan does not breach de minimis State aid restrictions and will not be used to support export-related activities.<\/li><li>Applicants cannot have received a loan under the existing Coronavirus Business Interruption Loan Scheme (CBILS). However, a CBILS loan of up to \u00a350,000 can be transferred to the BBLS up until 4 November 2020.<\/li><\/ul>\n\n\n\n<p>The\nfirst day of the BBLS saw over 110,000 businesses apply for loans totalling an\nestimated \u00a33.3bn (an average loan of about \u00a330,000). <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.gov.uk\/guidance\/apply-for-the-coronavirus-business-interruption-loan-scheme\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Coronavirus Business Interruption Loan Scheme (CBILS)<\/a><\/h3>\n\n\n\n<p>With the advent of the BBLS, the minimum new\nloan under the CBILS has been increased to \u00a350,000.<\/p>\n\n\n\n<p>The number of <a href=\"https:\/\/www.british-business-bank.co.uk\/ourpartners\/coronavirus-business-interruption-loan-schemes\/bounce-back-loans\/for-businesses-and-advisors\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"><strong><span style=\"text-decoration: underline;\">British Business Bank<\/span><\/strong><\/a> accredited lenders under the schemes now <a href=\"https:\/\/www.british-business-bank.co.uk\/ourpartners\/coronavirus-business-interruption-loan-scheme-cbils-2\/current-accredited-lenders-and-partners\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"><strong><span style=\"text-decoration: underline;\">over 50<\/span><\/strong><\/a>.<\/p>\n\n\n\n<p>As at 29 April, \u00a34.1bn had been lent to 25,262\nborrowers (an average loan of about \u00a3165,000)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coronavirus Job Retention Scheme (CJRS)<\/h3>\n\n\n\n<p>The Department for Work and Pensions has <a href=\"https:\/\/www.gov.uk\/government\/news\/furloughed-workers-to-receive-full-parental-leave-entitlement\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\"><strong><span style=\"text-decoration: underline;\">confirmed<\/span><\/strong><\/a> that pay for furloughed workers taking family-related leave (e.g. Maternity Pay and Paternity Pay) is to be based on normal earnings rather than furloughed pay. <\/p>\n\n\n\n<p>The Pensions Regulator has issued updated <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.thepensionsregulator.gov.uk\/en\/covid-19-coronavirus-what-you-need-to-consider\/automatic-enrolment-and-pension-contributions-covid-19-guidance-for-employers?utm_source=linkedin&amp;utm_medium=organic_post&amp;utm_campaign=AE_TPR_Covid19&amp;utm_content=updated_guidance\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"guidance (opens in a new tab)\">guidance<\/a><\/span><\/strong> for employers on automatic enrolment of pension and the CJRS. <\/p>\n\n\n\n<p>As at 3 May CJRS applications from 800,000\nemployers had been received and 6.3 million employees \u2013 about 20% of UK\nemployees \u2013 were covered by the scheme, according to HMRC. The total value\nclaimed is \u00a38bn. <\/p>\n\n\n\n<p>Given the 45-day consultation period for\nredundancy, any announcements on the extension of the CJRS beyond 30 June are\nlikely within the next week.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.gov.uk\/guidance\/claim-a-grant-through-the-coronavirus-covid-19-self-employment-income-support-scheme#history\">Self-employed\nIncome Support Scheme (SEISS)<\/a><\/h3>\n\n\n\n<p>Revised guidance now has more information on eligibility and is supported by a new online eligibility <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.tax.service.gov.uk\/self-employment-support\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"tool (opens in a new tab)\">tool<\/a><\/span><\/strong>.<\/p>\n\n\n\n<p>The launch date of the scheme has been\nconfirmed as Wednesday 13 May. Approved claims will be paid \u201cwithin 6 working\ndays\u201d.<\/p>\n\n\n\n<p>Despite considerable lobbying there have been\nno moves from the Treasury to assist directors of small companies who rely on\ndividends to provide their remuneration. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/assets.publishing.service.gov.uk\/government\/uploads\/system\/uploads\/attachment_data\/file\/878082\/small-business-grant-and-retail-leisure-hospitality-grant-guidance-for-businesses-v2.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Grant Funding Schemes<\/a><\/h3>\n\n\n\n<p>On 2 May, the government <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.gov.uk\/government\/news\/top-up-to-local-business-grant-funds-scheme\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"announced (opens in a new tab)\">announced<\/a><\/span><\/strong> a \u00a3617m extension to the Small Business Grants Fund (SBGF) and Retail, Hospitality and Leisure Grants Fund (RHLGF) schemes. This is primarily aimed at businesses operating in shared spaces (e.g. co-working offices), regular market traders, small charity properties that would meet the criteria for Small Business Rates Relief, and bed and breakfasts that pay council tax rather than business rates. The allocation of funding will be at the discretion of local authorities.&nbsp; <\/p>\n\n\n\n<p>Businesses must have under 50 employees and be\nable to demonstrate that they have seen a significant drop of income due to\nCoronavirus restriction measures.<\/p>\n\n\n\n<p>There will be three levels of grant payments:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>The\nmaximum will be \u00a325,000. <\/li><li>There\nwill also be grants of \u00a310,000. <\/li><li>Local\nauthorities will have discretion to make payments of any amount under \u00a310,000. <\/li><\/ul>\n\n\n\n<p>Further guidance for local authorities will be\nset out shortly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tax credits<\/h3>\n\n\n\n<p>The government has <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.gov.uk\/government\/news\/tax-credits-customers-will-continue-to-receive-payments-even-if-working-fewer-hours-due-to-covid-19\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"confirmed (opens in a new tab)\">confirmed<\/a><\/span><\/strong> that those unable to work their normal hours or furloughed because of Covid-19 will continue to receive their usual tax credit payments, provided they remain employed or self-employed. Covid-19-related changes to income and\/or hours do not need to be reported, but any other changes must to be notified to HMRC in the normal way. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Business Interruption Insurance <\/h3>\n\n\n\n<p>Following its \u2018Dear CEO\u2019<a href=\"https:\/\/www.fca.org.uk\/publication\/correspondence\/dear-ceo-insuring-sme-business-interruption-coronavirus.pdf\"> <\/a><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fca.org.uk\/publication\/correspondence\/dear-ceo-insuring-sme-business-interruption-coronavirus.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"letter (opens in a new tab)\">letter<\/a><\/span><\/strong> on 15 April, the Financial Conduct Authority (FCA) has <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fca.org.uk\/news\/statements\/insuring-smes-business-interruption\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"announced (opens in a new tab)\">announced<\/a><\/span><\/strong> that it \u201cintends to obtain a court declaration to resolve contractual uncertainty in business interruption (BI) insurance cover\u201d. The FCA says that \u201cany uncertainty needs to be resolved as quickly as possible\u201d and it hopes to place the issue before the courts \u201cin an agreed and urgent manner\u201d.&nbsp;&nbsp; <\/p>\n\n\n\n<p>Any judgement will not determine how much is\npayable under individual policies but will provide the basis for doing so and\noffer guidance for the Financial Ombudsman.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lifetime ISAs (LISAs)<\/h3>\n\n\n\n<p>The Treasury has temporarily <a href=\"https:\/\/www.gov.uk\/government\/news\/lifetime-isa-rules-changed-to-help-people-whose-incomes-are-affected-by-coronavirus\"><strong><span style=\"text-decoration: underline;\">reduced<\/span><\/strong><\/a> the withdrawal charge on LISAs from 25% to 20%, removing what had been an effective 6.25% penalty once the government bonus was taken into account. The reduction applies from 6 March 2020 to 5 April 2021, meaning some (dis) investors in March and April will be due a refund. <br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Summary of government business support<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n  <strong>Firm Size<\/strong>\n  <\/td><td>\n  <strong>Turnover &lt;\n  \u00a345m<\/strong>\n  <\/td><td>\n  <strong>Turnover &gt;\n  \u00a345m<\/strong>\n  <\/td><td>\n  <strong>Investment grade<\/strong>\n  <\/td><\/tr><tr><td>\n  Bounce Back Loans\n  (BBLS \u2013 up to \u00a350,000)\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><\/tr><tr><td>\n  Coronavirus\n  Business Interruption Loan Scheme (CBILS &#8211; \u00a350,000 &#8211; \u00a35,000,000)\n  <\/td><td>\n  X\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><tr><td>\n  Coronavirus Large\n  Business Interruption Loan Scheme (CLBILS)\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><\/tr><tr><td>\n  Covid Corporate\n  Financing Facility (CCFF)\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  &nbsp;\n  <\/td><td>\n  X\n  <\/td><\/tr><tr><td>\n  Job Retention\n  Scheme\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><\/tr><tr><td>\n  Business Grants\n  (dependent on rateable value of the property)\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><\/tr><tr><td>\n  VAT deferrals\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><\/tr><tr><td>\n  Covering the cost\n  of statutory sick pay\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><\/tr><tr><td>\n  Future Fund (only\n  if VC funded)\n  <\/td><td>\n  X\n  <\/td><td>\n  X\n  <\/td><td>\n  &nbsp;\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h6 class=\"wp-block-heading\"><em>Source: HM Treasury\/GOV.uk, 4 May 2020 <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.gov.uk\/government\/news\/new-bounce-back-loans-to-launch-today\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"press release (opens in a new tab)\">press release<\/a><\/span><\/strong><\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Following the range of updates over the last several weeks, we have now rounded up the latest information from the government on specific schemes where additional detail was released. This update covers measures discussed on 4 May.<\/p>\n","protected":false},"author":4,"featured_media":20091,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[35,542,538,494,498,190,529,454,507,540,187,541],"class_list":["post-20090","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-smh-accounting-business-advisory","tag-business","tag-business-interruption-scheme","tag-business-support","tag-coronavirus","tag-covid19","tag-government","tag-grant-funding","tag-lifetime-isa","tag-seiss","tag-self-e","tag-self-employed","tag-tax-credits"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Covid-19 measures: 4 May 2020 - SMH Group<\/title>\n<meta name=\"description\" content=\"Following the range of updates over the last several weeks, we have now rounded up the latest information from the government on specific schemes where additional detail was released. 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