Small Business Flood Relief Resources and Action Steps

Small Business Flood Relief Resources and Action Steps graphic.

On behalf of the entire Vermont Attorney General’s Office, our thoughts are with those affected by this summer’s flooding.

As businesses rebuild what was lost and purchase new items after the floods, we urge businesses with concerns to reach out to the Attorney General’s Consumer Assistance Program (CAP) for help. Vermont businesses are covered by our state’s consumer protection law and CAP is a helpful resource available to businesses. CAP’s Small Business Advocate can assist businesses with any questions relating to consumer purchases and consumer complaint mediation.

Our office has created a list of resources and action steps for businesses that have been impacted by the flood.

First and foremost, businesses must document everything. Take pictures and write down all actions you are taking. This step will be integral in applying for relief and insurance claims down the road. If you have not already, report your damage and unmet needs to the designated Vermont 2-1-1 Flood Damage-Business Form. 2-1-1 is currently cataloging damage and identifying areas and locations that need assistance.

Making Repairs to your Business:

Below are a few tips to follow before making changes to your business as you repair and rebuild what was damaged in the flood.

  1. Contact your insurance company as soon as possible and do not make any permanent changes to your business until you get approval from your insurance company.
  2. Beware of dubious contractors that may appear with promises to restore damages immediately in exchange for immediate payment. Never pay in full upfront for a commercial project. Make sure you have a contract. Before working with a contractor, always check the Attorney General’s Home Improvement Fraud Registry and residential contractor registration status with the Office of Professional Regulation in the Vermont Secretary of State’s office.
  3. Contact the Consumer Assistance Program by phone at (800) 649-2424 or by email at ago.smallbusiness@vermont.gov for questions relating to hiring a commercial contractor.

Legal Assistance:

Small businesses may also need the advice or services of an attorney. Below are legal resources available to small businesses during this time.

  • Vermont Bar Association (VBA) is offering low-cost consultations. A lawyer will provide a 30-minute consultation for $25 to help answer questions.  You can reach the Lawyer Referral Service at (800) 639-7036 Monday-Friday 8am – 4pm or businesses can directly request services here: tinyurl.com/23floodvtbizlegal.  VBA is coordinating landlord/tenant lawyers to draft a short guide on the responsibilities of landlords and tenants during this time. Please visit vtbar.org for updates.
  • Small Business Legal Assistance Project offers support and outreach on legal topics impacting diverse and disadvantaged businesses and business owners in Vermont.
  • FEMA Disaster Legal Services (DLS) provides free legal help to low-income disaster survivors (individuals and small businesses). If you’re not able to get adequate legal services for your disaster-related needs, DLS may be able to help. Call (800) 621-3362 for service. If you use a video relay service, captioned phone, or other communication service, give FEMA the number for that service.

Financial Assistance- Grants and Community Funds:

There are grants and community funds available for businesses who have been impacted by flooding.

GrantAvailable FundingEligibility
The Business Emergency Gap Assistance Program$20 million in grants, up to $20,000 per applicationPortal to apply goes live in early August. Visit the ACCD Recovery Resource page for more information.  
Vermont Main Street Flood Recovery Fund$2,500 micro grant per businessCovers costs such as equipment replacement, operating expenses, supplies, help with clean-up, etc.
Restaurant Disaster Relief Fund$10,000 cash grants to 100 local restaurantsRestaurants impacted by the flood who:
– Operate a brick-and-mortar location
– Own a maximum of three locations, and employ fewer than 50 employees per location
– Have been open for at least six months
-Have revenues of $3M or less per location in the last 12 months
VT PoC – Flood Relief FundFunds still incomingBlack, Indigenous, and People of Color (BIPOC) small businesses and community members impacted by the flood.

Financial Assistance- Loans:

The U.S. Small Business Administration (SBA) is offering low interest loans for businesses, nonprofit organizations, homeowners, and renters located in regions affected by the floods. To learn more about SBA disaster loans, you may review the fact sheet for Vermont disaster loans and the What you need to know to apply for a business disaster loan page also available in Spanish.

Eligible small businesses and nonprofit organizations can get help with working capital to help overcome the economic injury of a declared disaster. 

Businesses who apply for the SBA loan and are approved are not obliged to take the loan.

The Vermont State Employee Credit Union (VSECU) is offering low-interest loans for small businesses affected by flood water damage.  The loan provides near-term working capital to help with clean-up efforts, real estate repair, equipment replacement, inventory replacement, and other qualifying uses. To learn more about VSECU business loans, visit the VSECU Business Banking page. One does not need to be a state employee to bank at the Vermont State Employee Credit Union.

As a reminder, before applying for any loan, businesses should always consult with a professional and review their business credit situation carefully.

Assistance for Farmers:

If you are a Vermont farmer impacted by flooding, there are resources available to you.

Visit the Vermont Agency of Agriculture Farm Related Assistance page for the most up-to-date information or email agr.floodresponse@vermont.gov or call (802) 828-5667.

Additional resources including loan and grant information for farmers is listed below.

ResourceAvailable ServicesEligibility
USDA Disaster AssistanceVarious funds, grants, and loans available.Farmers, ranchers, communities, and businesses that have been impacted by natural disaster events.  
Farmer Emergency FundGrant up to $5,000Organic and NOFA-VT member farmers who have been adversely affected by natural and unnatural disasters, such as:
– Crop failure
– Extreme weather
– Flooding
– Fire
– Barn collapse
– Financial hardship as the price of organic milk continues to drop
Vermont Farm FundLoan from $10,000 to $15,000Must be a Vermont farmer or food producer who has suffered a devastating loss due to an unexpected natural disaster that puts their farm or farming career in danger; covers buildings, animals, equipment, greenhouses, and hay fields.

Beware of Disaster Relief Scams:

The Consumer Assistance Program is warning Vermonters and small businesses to beware of disaster-relief scams and price gouging. Scammers may impersonate FEMA or the State of Vermont. To learn more about these scams, please review CAP’s Vermont Flood Recovery: Beware of Scams and Price Gouging blog post.

How to Contact the Small Business Advocate:

If you have any questions on the above related material, please contact Emily McDonnell, Small Business Advocate at ago.smallbusiness@vermont.gov or call CAP at (800) 649-2424.


Many Vermonters are going through a traumatic period. If you or someone you know is having a hard time with the emotional impact of this crisis, you can call or text the National Disaster Stress Hotline, (800) 985-5990, or 9-8-8. You are not alone.

Vermonter of the Month: Kim Souza

This is a monthly series in which the Attorney General will feature a Vermonter doing exemplary work in their community. Have someone you think should be featured? Email AGO.CAP@vermont.gov.

Our January Vermonter of the Month is Kim Souza, founder and co-owner of Revolution, a consignment and thrift shop in White River Junction.

Business owner, select board member, community activist, and all-around dedicated neighbor, Kim Souza started Revolution in White River Junction, Vermont 17 years ago. Kim was makes running a small business in rural Vermont look easy. Kim’s creativity in expanding her business, perseverance, and commitment to the wider Hartford community is why she is our January Vermonter of the Month.

Through Kim’s community engagement, her business has become a cornerstone of the downtown life of White River Junction. Community members often drink a cappuccino at the small counter at the back of the store while consigning clothes or stop in just to say hello over a cup of coffee. Revolution regularly hosts neighborhood events including their First Friday parking lot parties and community fashion shows. See what Kim had to say in our interview with her below:

How did you end up in Vermont and what made you stay?

Born in Rhode Island, and raised in Canaan, New Hampshire, I developed ‘Vermont envy’ in my teenage years.  Having grown up in rural New Hampshire, I embarked on the classic early 20s cross country adventure, only to be offered the most promising professional opportunities right back here in the Upper Valley.

What have you learned from your work as a small business owner? Has it changed your perspective on your community?

I’ve definitely learned that operating a small business is more about maintaining a wonderful quality of life than it is about financial security.  My previous career path had been satisfying and fiscally sustainable, but something was missing.  In that experience, I was selling my time in exchange for a sense of security for my family.  What I was lacking was precious time with my new child and a sense of joy in my day-to-day movements. In the small business world, eventually, I was able to coordinate a schedule that allowed me to spend more time with my son and to connect, face to face, with the charming White River Junction community.

After 16 years, I still love coming to work every day!  That is my personal success.

What made you start a small business in White River Junction Vermont?

I returned to New Hampshire from Los Angeles with two job offers and chose one that I enjoyed for 12 years.  I worked with a fledgling educational travel company as an administrative assistant in a company of two employees; myself and the owner.  Ultimately, I learned every aspect of that small business, from bookkeeping and marketing, to sales and program development as we grew the company together.  I considered my experience there to be the equivalent of an MBA when I left the position of Senior Vice President in 2002 to pursue something more suited to my creative social strengths.

With the guidance of a friend and business mentor, I brainstormed several potential career paths and settled on the idea of a ‘hip vintage thrift boutique’ in the style of my favorite shops in Montreal and New York City.  I was negotiating a very expensive lease in Hanover, New Hampshire, when my mentor suggested that I take a look at White River Junction.  I thought he was nuts but trusted his instincts and spent some time in the downtown of 2002 when things were still pretty ‘gritty.’

Briggs Ltd Department Store closed after 50 years of retail operation in April of 2002, and I opened Revolution that June in that location– across the street from one of the two White River Junction strip clubs!  With my first business plan complete, I was convinced that what I would save on rent, I could spend on marketing and become a destination location.

The strip clubs have since closed, and after many years of ‘one-step-forward-two-steps-backward’ development, our village has grown at a healthy pace with attention to keeping our ideals at the center of our goals.

I have never regretted the decision to open my small business in White River Junction!

We love your “White River Junction- It’s Not So Bad” T shirts. What is the story behind this?

A lot of organic idea sharing happens around the espresso counter at Revolution.  I’m pretty sure it was one of the stream of consciousness taglines that friend and local developer, Matt Bucy coined.  Another one of my favorites of his is “White River Junction… Coming Soon!”.  The ‘…Not So Bad’ tagline just kind of caught on.  One common thread among the downtown White River Junction community members is that we like to do things because they feel good and we try not to take ourselves too seriously.  I think the tagline sums up that sentiment.

What impact has your store had on your community?

One surface impact that Revolution has on the community is simply our willingness to hang in there.  The store was notfinancially sustainable in the early years, and I planned to close in 2006.  Again, I felt as though my experience had served as a supplement to my ‘education’ and looked forward to my next move.  I was fortunate to have been offered some decent positions as a result of working multiple part-time jobs while attempting to raise my son and keep my business afloat. I had options.

And then… A local family approached me and asked, “What would it really take to keep Revolution open?”  This was pretty remarkable considering that this was simply a funky little used clothing store in the middle of a defunct railroad town.  After many cups of coffee and various spreadsheets and projections, we came up with a figure.  The figure was substantial and, I asked, “why don’t you just buy my business from me instead of investing in one with a partner (me) who brings only debt to the table?”  My (now) business partner noted that she didn’t want to run the store and that she didn’t want to own one unless I was the one operating it. She recognized my entrepreneurial enthusiasm and my willingness to step up to the challenge of evolving a little consignment shop into something special.

On a similar note, I said that if they were expecting some great financial return on their investment, we should probably skip the endeavor, but if they were interested in investing in a genuine sense of community, then we could do great things together!  They opted for the latter and we have strengthened the community in many ways since.

Over the years, it’s been fascinating to watch the changes in the Town of Hartford.  My willingness to stay anchored on the corner of North Main Street has inspired others to consider dipping their entrepreneurial toe into the White River Junction commercial waters.  I recently did an informal count of over two dozen woman-run businesses, just in the downtown White River Junction area.  To me, that’s amazing!

It’s true what they say…. Artists will go where the rent is cheap. The artists make the landscape more interesting and attractive.  Then, the developers come in, build and gentrify, and then the artists can no longer afford to live there.  I’d like to think that Hartford values its arts community and recognizes that keeping our village centers affordable and accessible is a priority in economic development.

Being on a first name basis with at least five of the developers in our area is something worth noting.  They are accountable to their community because they live here, and they too appreciate this quality of life.

What are some of your goals for the coming year in terms of your work in the community?

I’m always interested in healthy and equitable economic development.  We are fortunate in the Town of Hartford to include five distinct villages which complement each other in terms of their residential/rural character and connectedness to industrial and commercial areas throughout the Upper Valley.  In 2019-20, I’ll be focused mainly on infrastructure improvements within the downtown White River Junction area in order to attract more independent businesses and accessible affordable housing.  We’re implementing plans and funding for improved distribution of water, wastewater and sewer in the downtown area, and funding preliminary engineering studies for increased parking capacity.

I will continue to seek input from our most vulnerable community members and be sure that their wellbeing is considered each time decisions are made in the context of our municipal accomplishments.

My immediate goal as a business owner is to increase our exceptional team of employees to allow me to spend more time working with grassroots organizers and take advantage of educational opportunities to become a better citizen.

What are ways small businesses can be better supported by state government?

Capital, capital, capital!  I’m not sure if state government has the answers but bridging the gap between folks with resources and folks with the ‘fire in the belly’ kind of spirit that it takes to really cultivate a culture of Vermont business is something that I think could be less rare.  Sure, there are venture capitalists and networking opportunities, but somehow I envision a platform through which investors (such as the family who reached out to me) and entrepreneurs could engage and form relationships that are mutually beneficial, even if not financially lucrative.  Community Investors, so to speak.  Idealism is both my strength and my weakness!

What advice do you have for others looking to start a small business?

Start a small business only IF IT’S SOMETHING THAT YOU LOVE DOING.  In my business, it’s not about pop culture or fashion trends.  I couldn’t care less about those things.  For me, it’s about inviting people in to my beautiful space to drink tea, try on clothes, and make genuine connections.  I feel very lucky to be here.

Revolution business card

Kim Souza with TJ Donovan at Revolution

Revolution's exterior sign

 

Vermonter of the Month: The Mercy Connections “Justice League”

This is a monthly series in which the Attorney General features Vermonters doing exemplary work in their community. Have someone you think should be featured? Email AGO.CAP@vermont.gov.

This month we are honoring a team of people as our “Vermonters of the Month.” The Mercy Connections “Justice League” team works on the Justice and Mentoring program. The team is comprised of Joanne nelson, Director of Justice & Mentoring, Kelly Moran, Justice and Mentoring Coordinator for incarcerated or formerly incarcerated women, Mary Beth Barritt, Justice Liaison and Heather Gilbert, Program Facilitator.

Mercy Connections is an educational values-driven non-profit organization living the legacy of the Sisters of Mercy with an enduring concern for women. By compassionately nurturing self-sufficiency through education, mentoring, entrepreneurship and community, people are empowered to make significant life changes

Mercy Connections has 3 program areas that serve 300 participants: Education & Transition Programs (for adults who have faced adversity in meeting their personal, professional, and academic goals), Justice & Mentoring Programs (for people involved in the criminal justice system), and the Women’s Small Business Program (for aspiring female entrepreneurs).

Joanne, Kelly, Mary Beth and Heather have all dedicated themselves to lifting those around them who need help. The “Justice League” is doing essential work for Vermont women and we are honored to have them as our May Vermonters of the Month.

How has the team’s work impacted the community?

The Justice & Mentoring Program team alternates presence in the Treatment Court Docket to be able to receive referrals to the programs at Mercy Connections. In that action, we invite the women to a meeting with the director to become acquainted and to discover whether there is a desire to enroll in a class or program. Sometimes the referred woman is also interested in becoming a mentee in the Vermont Women’s Mentoring Program. The real impact on the woman is potentially multi-faceted. It is sometimes confidence-building to just get to Mercy Connections and enter a place that is not familiar. It is also clear that women feel and learn about a community here that is non-judgmental, educative, safe and brave and in that discovery, a potential participant may grow, relax and learn. There is something connective when the participant understands that Mercy Connections can become a supportive place, connected to the clinical and legal teams in the court docket, but that Mercy Connections is different. It is not mandatory, it is chosen freely…that ability to make a choice freely, well, that is often something that leaves a referred person empowered.

Executive Director, Dolly Fleming, has said that Mercy Connections “…weaves the social fabric of community and one’s [life]” and I believe that means that the (potential) impact on community is that Mercy Connections kind of weaves some of the very difficult, mandated parts of a recovering person’s life in with some of the softer, kinder, happier threads that every human being possesses. We think that holistic approach reflects something very positive on each person and on the community as a whole.

What is the biggest challenge?

We receive referrals to Mercy Connections which are not realized. They are not chosen by prospective participants.

On a challenging day, it may be hard to look at each individual accomplishment and realize joy against a very dismal system, (criminal justice, economy, racial and gender discrimination…), one that just doesn’t work for human beings.

In general, the challenges lie within the participant population and while we strategize and work hard, sometimes the biggest challenge is accepting that we can’t do more than we do.

What is rewarding about this work?

Our programs offer education to people. Education opens up doors. Open doors and access to more people means a more diverse, just world/community.

Knowing that we are working to offer possibilities for a more successful reentry process through the Vermont Women’s Mentoring Program and hence, a lower recidivism rate.

Working with participants who are rejected in many ways by society and learning how wonderful they are. How resilient they are. And how much they have to offer. Seeing a mentee’s face when she realizes we treat her and her mentor in the same respectful manner. That we don’t judge her based on the worst mistakes she has made. Being able to support mentors, some of whom have made serious mistakes, in a way that allows them to grow and give back.

What advice do you have for others looking to impact their community?

Become a volunteer for a worthy cause- one which speaks to the values you hold most dear. The action will allow you to realize greater purpose and meaning in your life.

Vermonter of the Month: Luke Stafford

This is a monthly series in which the Attorney General will feature a Vermonter doing exemplary work in their community. Have someone you think should be featured? Email AGO.CAP@vermont.gov.

Luke Stafford owns Mondo Mediaworks, Inc., a digital marketing agency specializing in content development for the web. He earned a BA in Journalism at Saint Michael’s College. After landing in Brattleboro with his wife, an artist, he worked in the marketing department at Mount Snow until 2009. He then founded Mondo, and in the eight years since it has grown into a 17-person shop. The company’s Values Statement is to build its surrounding community through economic development. It is proudly a certified B Corporation (“B-Corp”), which are for-profit companies that meet rigorous standards of social and environmental performance, accountability, and transparency.

Luke also sits on the board of Southeastern Vermont Economic Development Strategies (SeVEDS).

How did you learn about becoming a B-corp, and why was it a fit for Mondo?

I’d been hearing about B-Corps for years, mainly from exposure to certified Vermont brands like King Arthur and Ben and Jerry’s. Because they are such large, product-based companies, I never thought seriously about our small marketing agency being eligible. One day I was explaining Mondo’s mission and values to our accountant, who operates an impact-driven business herself, and she recommended I speak to a local person who is knowledgeable on the certification process. Around the same time, a few of Mondo’s employees were learning about B-Corps. All of a sudden, it seemed doable.

Joining the B Corp movement is a fit for Mondo because, like a lot of companies, we’re run by people. And most people — or, I could argue, all people —  want to contribute  to something bigger than monetary profit in their jobs.

What prompted you to make economic growth in Brattleboro and Vermont as a whole part of Mondo’s mission?

Since I started Mondo in 2010, there was a broad values statement to “give back to the community.” We donated to local organizations and supported local events, but it didn’t go much further than that. Then, in 2015, I got my first glimpse at the data coming out of the Vermont Futures Project, which clearly projected that the Vermont economy would be in big trouble if we didn’t solve some serious problems around workforce and population. I resolved that I couldn’t sit idly by and let the projections become reality.

What impact have you had, with Mondo and independently, on your community?

Last year we paid out hundreds of thousands of dollars in salaries to Mondolians who live, shop and play in the Brattleboro area. Most of those jobs didn’t exist a few years earlier. Of course, we can’t attribute a thriving Main St. or a restaurant opening solely to new Mondo jobs, but it feels great to see new Mondolians investing in the community, whether it’s buying a house or just going to the movies in Brattleboro’s historic theatre. As for myself, I have the privilege of sitting on the boards of my local elementary school and Southeastern Vermont Economic Development Strategies, where I advocate for programs and policies that make Vermont the best place to live for young families.

What inspires your work, both at Mondo and in the community?

You’re going to start thinking that I’m an overly obsessed fanboy, but really, it’s Vermont. Not just the lifestyle, but the landscape, the people, the… everything. I knew I was going to be a Vermonter immediately after my first snowboarding trip to Stratton when I was 14, and I can’t imagine myself living anywhere else. Specifically, my inspiration comes from my weekend hobbies: snowboarding, logging and processing firewood from our property, maple syrup making. Lately, my best ideas are surfacing during  pop-up camper trips with my family to Vermont State Parks. The four of us are working to join the “251 Club,” whereby we visit all 251 towns in the state. We’re only about 10% of the way through, but it’s been a great way to explore the state and make memories with our 2 daughters. Check with me in 10 years to see if we’ve hit all 251.

What have you learned from this community work?

Democracy is alive and well in Vermont. I was blown away when I attended my first Town Meeting Day. It’s a very beautiful thing that everyone in this state truly has a voice. But it’s also the frustrating thing, right? Because for everyone who wants to see change, there is someone who likes things the way they are, thank you very much. When I moved to Brattleboro 13 years ago, I got involved with a committee to build a skatepark in town, thinking we’d be able to accomplish the goal within a few years. But some townspeople did not want a skatepark in the downtown area. Their voices were heard loud and clear, which I very much respect. But it means that getting things done can take a long time. In the end, though, I trust the process.

What advice do you have for others looking to impact their community?

I understand that big time commitments to boards or volunteerism is not always possible. But I would argue that little gestures, added up, have a much bigger impact. Picking up a piece of litter on the street makes for a cleaner downtown. And that clean, inviting sidewalk may be the small detail that reminds residents, “Hey, this really is a great town. I love it here.” That person will speak highly of the town to others, and the message continues to spread. Our everyday actions, and how we choose to speak about our communities, have huge consequences.

What advice do you have for businesses considering a B-corp certification?

First, it’s not easy to be certified. At least it wasn’t for us as a young company. But it spurred us to make a lot of “grown up company” decisions about our policies and standards. It took us about 9 months and we hired a consultant/project manager to get everything we needed in place. Today, we have an employee who maintains our B-Corp status as part of her job, which involves everything from monitoring our electricity usage to organizing our volunteer days. But it’s 100% worth it. Some of our best job applicants come through the B-Corp job board, and it’s a helpful distinction during the recruiting process. We regularly attend B-Corp-sponsored events, where we’ve met other B-Corps and shared ideas about sustainable ways to grow our companies. But the biggest piece of advice I could give is that your values at the company come first; if it aligns with B-Corp requirements, awesome. But stay true to your values, always.