The Download: August 3, 2020

Monday, August 3, 2020

Application Deadline Nears for Paycheck Protection Program Loans

The deadline to apply for the latest round of funding through the Paycheck Protection Program (PPP) is this Saturday, August 8.

According to the Small Business Association (SBA) there’s $130 million in funding still available through the PPP.

With ample available dollars and the deadline looming, the Michigan Nonprofit Association (MNA) has been encouraging nonprofits to apply for a PPP loan. MNA shared in an email last week that it’s critical to get nonprofits to apply given the “evidence that fewer nonprofits than expected (especially smaller nonprofits) applied or were successful” with the first round of PPP loans.

What can you do?

  • As funders, you can help raise awareness about the PPP with your nonprofit partners now.

  • Consider applying for the PPP and submit your application today if you haven't done so already. Here are some PPP resources we shared with CMF members in April.

  • If you have applied, follow up with your financial institution as soon as possible for an update on your application status.

The latest data from the SBA shows that more than 5 million loans have been issued through the program since it launched on April 3, with the average loan size around $102,000.

The Dorothy A. Johnson Center for Philanthropy recently released an analysis of the PPP, highlighting the number of eligible nonprofits that have received PPP funding.

In his analysis and blog, Jeff Williams, director of the Community Data and Research Lab (CDRL) at the Johnson Center for Philanthropy, shared that nationally, nonprofits received 3.7% of all loans issued through the program.

Williams noted that in Michigan 44% of eligible nonprofits that applied for a PPP loan received one.

CMF has reported on some of the challenges facing nonprofits in accessing capital through the PPP. As we have shared, most small and mid-sized nonprofits don’t have lines of credit or existing relationships with banks which slowed or complicated the loan process, among other factors. 

CMF worked in partnership with MNA and the Small Business Association of Michigan (SBAM) this spring to launch a focused effort that helped to ensure nonprofits in need would be able to access critical funding, an effort supported by CMF members. Our collaborative work included providing tools and resources to remove barriers to access and amplifying communications, including targeted messaging in ethnic and minority media outlets.

There’s no official word on future PPP loan opportunities following the August 8 deadline.

A new bill was introduced last week on Capitol Hill that if passed, would allow eligible small businesses to apply for a second forgivable PPP loan if they can demonstrate a 50% reduction in gross revenues. The legislation is part of the latest COVID-19 relief package under consideration, the Health, Economic Assistance, Liability Protection, and Schools (HEALS) Act.

Want more?

Read the PPP nonprofit recipient analysis from the Johnson Center.

Learn more about the PPP and how to apply.

Connect with the Michigan Paycheck Protection Program.






An Inside Look at Racial and Economic Equity Data

The pandemic has further exposed deeply ingrained inequities in our communities. A first-of-its-kind data and policy tool has launched to provide further insights into challenges and opportunities when it comes to advancing racial and economic equity.

The National Equity Atlas serves as a detailed report card for racial and economic equity. The project is funded by several funders including three CMF members: Ford Foundation, the JPMorgan Chase Foundation and the W. K. Kellogg Foundation.

The Atlas provides a detailed look at state-level data and from America’s 100 largest cities and 150 largest metro areas—including data from the city of Detroit and metro area, as well as Grand Rapids and Kalamazoo metro areas.

As CMF members continue to leverage partnerships and innovative approaches to advance racial and economic equity work, the data shows areas of growth and opportunities for our state, along with examples of CMF member and stakeholder efforts to support equity in these areas:


  • Michigan has become more diverse, raising its diversity score from a 0.54 to a 0.85 between 1980 and 2017.

  • In the last 40 years, Michigan’s person of color population has risen from 14% to 26%.

Economic vitality

  • Michigan’s median hourly wage decreased between 1980 and 2017, with wages for white people falling from $28 per hour to $22 per hour and wages for people of color falling from $26 per hour to $18 per hour.

  • The state’s overall poverty rate rose from 10% in 1980 to 16% in 2017, with 32% of the state’s people of color living in poverty.

To help address this ongoing issue, the Michigan League for Public Policy (MLPP) has advocated for increasing and expanding the earned income tax credit across the state to keep more money into families’ pockets.


  • Overall, educational obtainment is up across the state with increases in the number of students with some college coursework completed, an associate’s degree, a bachelor’s degree or an advanced degree between 1990 and 2017 and a decrease in the amount of people without a high school diploma.

  • The number of young people ages 16 to 24 who are not in school or working has dropped by 15%.

Last year Governor Gretchen Whitmer established Sixty by 30, a goal for Michigan to increase the number of working-age adults with a skill certificate or college degree from 45% to 60% by 2030.

Many CMF members are supporting educational attainment through various innovative scholarship models and programs.


  • Michigan’s high housing burden rates—meaning a Michigander’s housing costs more than 30% of their income—rose from 38% for white people and 53% for people of color in 1990 to 47% for white people and 55% for people of color.

As one example of members working to address these issues in their communities, CMF reported earlier this year that Truth, Racial Healing & Transformation (TRHT) Kalamazoo, hosted by the Kalamazoo Community Foundation, collaborated on a city ordinance to address structural racism in the city’s housing.


  • The state’s air pollution index fell from 50 in 2000 to 20 in 2017, but people of color are more likely to live in more polluted areas.

Many CMF members are engaged in environmentally centered initiatives. The Fred A. and Barbara M. Erb Family Foundation, for example, continues to focus on environmental health, justice and sustainable development, including reducing lead exposure levels in and around Detroit and improving air quality to combat asthma.

Economic Benefits

  • Statewide, Michigan renters have seen an increase in disposable income, totaling $2.88 billion in 2017 compared to $1.75 billion in 2000.

  • The Atlas estimates that, with increased efforts to advance racial income equity, the current average income for people of color ($26,754) could increase to $38,914.

Nationally, racial inequities continue to grow. Atlas data shows that failing to address these inequities now will lead to greater preparedness for the future.

“At a time when Black, Latinx, Native American and Pacific Islander communities are the hardest hit by another recession, it is imperative that leaders at all levels recognize that targeted, race-conscious strategies are necessary to bring about an inclusive recovery,” National Equity Atlas staff shared. “Doing so will create tremendous benefits that cascade up and out to the advantage of an entire community.”

Want more?

Learn more about the National Equity Atlas.

See Atlas data by city, region or state, as well as national data.






New Digital Content Series Led by CMF Member Launches This Week

A new digital content series featuring the challenges of caregivers and the opportunities we all have to build stronger relationships and communities debuts this week.

Tight Knit, a podcast and documentary series by the Ralph C. Wilson, Jr. Foundation (RCWJF) officially launches tomorrow.

RCWJF works to support and uplift caregivers and care partners. Tight Knit is focused on shining a light on the incredible, selfless efforts of family caregivers and their loved ones.

This first season explores the complexity and joy inherent in providing care for an older family member. The stories provide a glimpse into a life stage that is or will become familiar to many, with the number of family caregivers growing rapidly. As RCWJF shares, by the end of 2020, an estimated 117 million older Americans will need assistance of some kind.

The foundation predicts that this population shift will present challenges and unprecedented opportunities for the role of caregiving.

Increasingly, it may be those closest to us—our partners, parents, siblings, friends and neighbors—who take on the many responsibilities associated with care. And, as our society continues to experience the need for social distancing, it’s important to consider the additional impact it will have on caregivers.

The digital series addresses key issues common to caregivers, such as:

  • Navigating a dating life and peer relationships while caring for a parent.

  • Learning about and coming to terms with challenging diseases, like Alzheimer’s Disease.

  • The challenges of caring for a parent who was abusive to the caregiver as a child.

  • The importance of supportive case managers for isolated caregivers.

  • The role reversal of children now caring for parents, while coordinating with siblings.

In one of the documentary trailers, Enid Mojica-McGinnis describes her role as caregiver for her elderly mother: “My mom took care of my dad, my grandmother, and many elderly people—and she did it with joy. I love my mom, and I’m honored to do it, but sometimes I feel like I’m the only one and I just need help.”

While the stories provide different experiences, they are universal in recognizing the family caregiver as a vital and selfless part of every community.

As RCWJF shared in previous research it commissioned on the role and challenges of caregivers, “Caregiving encompasses more than just the primary caregiver. It includes other family, friends, neighbors, and the wider community, [we must] involve all stakeholders in an inclusive vision that shifts the caregiver's burden."

In addition to the documentaries and podcasts which you can access here, on Thursday there’s a live virtual documentary premiere of “Today Was a Good Day” that offers different perspectives on the life of a caregiver, as seen through the eyes of three Southeast Michigan residents who have taken on the many roles and responsibilities of caring for a parent.

Want more?

Learn more about Tight Knit.

Connect with RCWJF.

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