Category: COVID-19

Knox County’s businesses can apply for relief with the county’s Emergency Business Loan program.

Jeff Gottke, President of the Knox County Area Development Foundation talked with WNZR’s Marcy Rinehart.

Click HERE to hear their conversation.

He talked about the development of an Economic Recovery Task Force.
Jeff shared details of a revolving loan fund and how it will help local businesses.
This fund is intended to aid small businesses that have been impacted by COVID-19.
The program offers loans of up to $10,000 at 0% interest up for a 3-year repayment period. Funds will be drawn from the Local Community Development Block Grant Revolving Loan fund.

An investment of $100,000 from the Knox County Commissioners and donations from other public and private community partners have helped the loan reach a current total of $300,000.

Potential donors wishing to contribute to the program should contact Area Development Foundation president Jeff Gottke at Jeff@knoxadf.com

You can stay connected with Economic Recovery Resources at www.knoxchamber.com

Area Development Revolving Loan Fund Description

Revolving Loan Fund Press Release

EMERGENCY BUSINESS LOAN DESCRIPTION & TERMS SHEET
KNOX COUNTY REVOLVING LOAN FUND

Given the current economic uncertainty caused by the COVID-19 situation, businesses around the country are suffering. While the state and federal governments have done much to prevent business closures there is still a large demand for working capital assistance to local businesses. The Knox County Revolving Loan Fund, a county-wide non-profit financing partner, has created an Emergency Business Loan (EBL) for Knox County based businesses that have been impacted by the COVID-19 pandemic.

Target Businesses & Area:
Through the EBL, the Knox County Revolving Loan Fund helps finance all private, for-profit businesses operating within the County’s geographic boundaries.

Program Objectives:
The program intends to fill short-term working capital “gaps” for for-profit businesses until they can resume stable operations and repay the loan.

Program Details:

  • This program offers loans NOT grants – All money is expected to be paid back in accordance with the loan agreement
  • Maximum loan amount: $10,000
  • Loans are unsecured
  • 0% Interest
  • 1-3 year repayment terms
  • Automatic deferral on repayment for 90 days
  • Money must be used for working capital
  • Loans must demonstrate that the business will retain at least full-time jobs that employ 51% low to moderate income (LMI) individuals
  • Businesses must demonstrate a financial need and desire to continue to operate by first applying to a state or federal program specifically designed to respond to the COVID-19 pandemic.


Approval Criteria:

  • Stable business operations pre-COVID 19
  • Existence of a current working capital “gap” demonstrated through cost savings measures & participation in state and/or federal programs
  • Verification of application to available federal and/or state programs
  • Retention of jobs to LMI individuals in the community
  • A business’ ability to repay the loan based on historical financial data.

Loan Application & Administration:
Referrals to the program must be made through a qualified Small Business Association lender. All interested businesses should contact an approved SBA lender first. Each application is then vetted by a 12-member committee, with final approval by the State. A loan agreement and promissory note will be executed between the borrower and the RLF, setting forth the fixed monthly repayment amount and the conditions for default and available remedy actions.

The RLF is administered by the Area Development Foundation, Knox County’s economic development entity, and funded by federal Community Development Block Grant dollars and private donations. It is intended to promote business retention, growth and employment opportunities, particularly for low to moderate income residents. In response to the unprecedented COVID-19 situation, it has been temporarily repurposed to create the Emergency Business Loan to better meet the immediate needs of Knox County businesses.

 

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The Morning Thing encourages you to join Ohio’s Strive for 5 Challenge!

Ohio’s Strive for Five Challenge

Ohio's Strive for 5 ChallengeThe challenge is simple: find five people in your life and check-in with them every day for the next 30-days.

Ohio’s Strive for Five Challenge is a new, statewide awareness campaign to help individuals and families cope with feelings of stress, anxiety, and isolation by connecting with others.

You are encouraged to reach out, connect, and comfort each other while we all work our way through the COVID-19 crisis and social distancing. Peer-to-peer support has great power in helping to calm anxiety and fear. By reaching out via phone, text, email, or even a hand-written note, you can help.

The Strive for Five Challenge was developed by the New York Coalition for Behavioral Health and brought to Ohio by the Mental Health, Addiction and Recovery Services Board of Lorain County.

The WNZR staff is taking Governor DeWine’s challenge to Strive for 5. We are committing to connect with 5 people every day for the next 30 days. Join us and commit to reaching out to others as we work through this COVID-19 Crisis. Click HERE to hear our staff members talk about joining this challenge.

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Strictly Good News

This morning on the show we shared good news all morning long.

Hunter was inspired by his favorite actor, John Krasinski, who during this quarantine started a youtube channel. His channel is titled “SomeGoodNews”. It is a self produced news show only for sharing good news. John shares heart warming stories and says others should be sharing good news as well.

So we did just that this morning, shared good news. If you want access to the stories we shared and so many other good news stories click HERE.

To watch John Krasinski and his SomeGoodNews youtube channel click HERE.

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The Morning Thing Friday Favorites – our favorite encouraging songs

Today, The Morning Thing focused on music for our Friday Favorites. The hosts shared their favorite songs of encouragement.

Hunter Sutyak finds encouragement in the song “Love (Won’t Let Go)” by We Are Messengers. Click HERE.

Rachel Rinehart finds encouragement in Natalie Grant’s new song “My Weapon”. Click HERE.

Marcy Rinehart finds encouragement in the song “Waymaker” by Michael W. Smith and Vanessa Campagna. Click HERE.

 

WNZR is working hard to be a Lifeline for you and your family during the COVID-19 Crisis. We are here for you! We are praying for you! We are here to be a place of hope and encouragement today and every day! #Lifeline

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COVID-19 – It’s time for a Mental Health Checkup

On Wednesday’s show, Hunter and Marcy tackled the topic of maintaining positive mental health during COVID-19. They shared some wonderful tips from Lori Criss, Director of the Ohio Department of Mental Health and Addiction.

Ohio Governor, Mike DeWine recently invited Lori Criss, Director of the Ohio Department of Mental Health and Addiction Services to speak during one of his daily press conferences. Criss shared advice for all the Ohioans staying at home on how they can maintain positive mental health in this difficult situation:
  • Wake up at the same time every day.
  • Keep a routine schedule.
  • Schedule in leisure time for yourself.
  • Create work/school time separate from other activities.
  • Reach out to friends and family every day (especially if you live alone).
  • Reach out to neighbors who live alone.
  • Reach out for help if you are in need or unsafe.
  • Stay in touch with your primary care doctors and mental health and addiction doctors.
  • Stay connected to your faith community (There are resources for faith communities on coronavirus.ohio.gov)
  • Enjoy nature.
  • If you work or study at home, build in social time.
  • You can find volunteer opportunities at TogetherOhio.gov.
  • Set boundaries for yourself. Be aware if you are feeling hungry, angry, lonely, or tired.
  • Create opportunities for your kids to interact with their friends.
  • Listen to questions from your kids and answer honestly, monitor their media and make sure they are getting information from trusted sources, and let them express their feelings.
  • For individuals in recovery, stay connected to recovery support.
  • Reach out to anyone you know recovering from mental illness.
  • If you know someone who is feeling hopeless, have them call the suicide prevention hotline, 1-800-273-8255.

Here are some easy things you can do at home to improve your mental health TODAY:

mental health tips

Photo by Madison Inouye

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April 2020 Presidential Update with MVNU President Dr. Henry Spaulding

Dr. Henry Spaulding spent time talking to WNZR for his April Presidential Update.
He shared news about how MVNU has approached the COVID-19 Crisis and what changes have come because of this pandemic. Dr. Spaulding provided messages of encouragement for faculty, staff and students. He also shared some important prayer requests, including some requests for his family members working within the healthcare field.

Click HERE to hear from Dr. Henry Spaulding

Click HERE to stay up to date with MVNU’s response to COVID-19.

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The Morning Thing Friday Favorites – We can still be thankful even in the COVID-19 Crisis

For our Friday Favorites today (4/3/2020), The Morning Thing hosts shared what they are thankful for in the  midst of the COVID-19 Crisis.

HUNTER_1_9677

Click HERE to hear from Hunter Sutyak

RACHEL_1_9584
Click HERE to hear from Rachel Rinehart

MARCY_1_9741
Click HERE to hear from Marcy Rinehart

Stay up to date on everything happening with the COVID-19 Crisis.
Click HERE for WNZR’s Daily Report.
Click HERE to see the Daily COVID-19 Report from the Knox County Health Department.
Click HERE to see the Daily COVID-19 Report from the Knox County Emergency Management Agency.
Click HERE to see the most updated Stay at Home Order from Ohio Governor Mike DeWine.
Click HERE to see how WNZR Artists are responding and connecting with you on social media.

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10 Ways Coronavirus Can Change Your Life for the Better

Daily life has definitely changed because of the COVID-19 Crisis. We are learning to navigate our “new normal”.

The Morning Thing shared some insight from Crosswalk.

Click HERE to see 10 Ways that the Coronavirus can change your life for the better.

1. Renewed (or New) Prayer Life

2. A Slower, More Peaceful Pace of Life

3. Increased Family Time

4. Greater Empathy and Patience

5. Reduced Carbon Footprint

6. New Outdoor Habits

7. Adjusted Financial Priorities

8. Opportunities to Catch Up

9. Personal Growth

10. Redefined Relationships

Click HERE to see the full article.

Photo by Gustavo Fring

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