Covid-19 TfB Hub

Businesses are currently facing challenges most have never had experience of before on this scale. For the vast majority this is an extremely stressful and uncertain time and one where being part of a business network is more important than ever before.

Dunbartonshire Chamber has established the #TogetherForBusiness campaign to bring our amazing business community together to continue to connect, support and inform. The TogetherForBusiness Covid-19 Hub has been created to provide businesses with clear information about the support and guidance available to them.

The TogetherForBusiness Covid-19 Hub is an information & signposting service for ANY business looking to understand how the current situation impacts them, their staff and their future. At this time, we make no distinction between a member or non-member business looking for our support. To get our business and communities through this crisis will mean a partnership approach and there is no wrong door to helping a business access the support they need, or to see them survive. There of course remain many membership services that are only accessible to our members and we will continue to use every avenue at our disposal to maintain our strong community and to be a trusted partner to businesses across Dunbartonshire.

Damon Scott, Dunbartonshire Chamber CEO

Latest Headline: Self-employed workers will be able to apply for a grant of up to £2,500 a month to help them cope with the financial impact of coronavirus, the chancellor has announced. 


  • Non-Domestic Rates
  • 1-year rates holiday (100% relief) for all retail, hospitality and leisure properties, from April.
  • 1.6% NDR relief for all properties across Scotland, from April.
  • A new Local Government Finance Order to approve the NDR estimate reduction of £1bn and an increase in General Revenue Grant of £1bn.
  • Scottish Government Coronavirus Business Support Fund  – Now live and being administered by Local Authorities.  This fund provides direct support to ratepayers of businesses located in a non-domestic property that is on 17 March 2020, and includes: 
    • £10,000 grant awarded to small firms receiving the Small Business Bonus Scheme (SBBS); Rural Relief; eligible for SBBS but in receipt of Nursery Relief or Disabled Relief.
    • £25,000 grants for Hospitality, Leisure and Retail sectors operating in a premises with a rateable value of £18,001 or up to £50,999. 

For West Dunbartonshire businesses, please refer to -

East Dunbartonshire (downloadable pdf available at page link below) -


Self-employed workers will be able to apply for a grant of up to £2,500 a month to help them cope with the financial impact of coronavirus, the chancellor has announced. 

Coronavirus Self-Employment Income Support scheme will be paid in a single lump sum, but will not begin to arrive until the start of June at the earliest and will pay 80% of profits up to £2,500 a month for three months initially. Unlike the employee scheme, the self-employed can continue to work.

It is targeted at up to 3.8 million of the 5 million people registered as self-employed, who earn under £50k. The money, backdated till March, will arrive directly into people's banks accounts from HMRC as a lump sum for all three months, but not until June. The grants will be taxable, and will need to be declared on tax returns by January 2022.

At least half their income needs to have come from self-employment as registered on the 2019-20 tax return filed in January, or averaged over the three previous years. Company owners who pay themselves a dividend are not covered.

Read more here


2 April 2020

Chancellor Rishi Sunak is today (Friday 3 April) taking further action to support firms affected by the coronavirus crisis by bolstering business interruption loans for small businesses and announcing a new scheme for larger companies.

  • Current loan scheme extended so more small businesses can benefit
  • lenders banned from requesting personal guarantees on loans under £250,000
  • new scheme announced to bolster support for larger firms not currently eligible for loans
  • Chancellor emphasises importance of banks moving quickly to support the economy, jobs and businesses


 . Find out more about the CBILS and how to apply.

25 March 2020

You can find the latest guidance from the Scottish Government here, on business and social distancing.

The first half of the document is advisory while the second lists the closures which will be enforced.

24 March 2020

Grant support (see local infomation above) is now available to help businesses deal with the impact of COVID-19. The purpose of these one-off grants is to help protect jobs, prevent business closure and promote economic recovery.

23 March 2020:

First Minister Nicola Sturgeon stressed that following health advice was "not optional".  Ms Sturgeon called on shops which do not provide essentials such as food or medicine to close. Further update here on latest Scottish Coronavirus deaths

The Coronavirus Business Interruption Loan Scheme opened for applications on 23 March. The Coronavirus Business Interruption Loan Scheme supports a wide range of business finance products, including term loans, overdrafts, invoice finance and asset finance facilities. Find out more about the CBILS and how to apply.

How to access government financial support if you or your business has been affected by Coronavirus? Review the HM Treasury Coronavirus factsheet.

The Bank of England’s Covid Corporate Financing Facility will provide a quick and cost-effective way to raise working capital for those large firms who need it. 

To access the CCFF firms do not have to have previously issued commercial paper or currently have a credit rating, but do need to be of investment grade – please take a look at what steps can be taken in order to participate. The Bank has published a dedicated webpage for corporates seeking to use the CCFF: participation in CCFF.  

UK Government announcement 20 March 2020

Coronavirus Job Retention Scheme - Government grants will cover 80% of the salary of retained workers, up to a total of £2,500 a month. The scheme, open to any employer in the country, will cover the cost of wages backdated to March 1st and will be open before the end of April for at least 3 months.

Deferral of VAT for 3 months - VAT payments will be deferred for 3 months (until 30 June 2020). This is an automatic offer with no applications required. Taxpayers will be given until the end of the 2020 to 2021 tax year to pay any liabilities that have accumulated during the deferral period. For the self-employed, Income Tax payments due in July 2020 under the Self-Assessment system will be deferred to January 2021. Self-employed will get full Universal Credit at a rate equivalent to statutory sick pay.

Coronavirus Business Interruption Loan Scheme - a new scheme delivered by the British Business Bank, will enable small and medium sized businesses to apply for a loan of up to £5m, with the government covering up to 80% of any losses and with no interest due for the first twelve months. Those loans will now be available on Monday 23rdMarch.

Time to Pay upscaled - a dedicated helpline has been set up to help businesses and self-employed individuals in financial distress and with outstanding tax liabilities to receive support with their tax affairs. Through this, businesses may be able to agree a bespoke Time to Pay arrangement.

Government backed and guaranteed loans – there will be an initial £330bn to support companies in the form of government-backed loans for any business who needs access to cash, with more capacity as required.

* Further fiscal measures are expected in coming days. There may be some variations to the measures announced among devolved nations - we will continue to update as quickly as possible.


£2.2 billion for business

The Scottish Government’s focus on the economic impact of Covid-19 continues: we will be providing regular bulletins to signpost to the latest sources of information.

A new Q&A on rates reliefs and grants has been published. This is a live page - click here to access

Actions being taken by the Scottish Government to support businesses including a package of measures worth £2.2 billion from 1 April:

  • a full year’s 100% non-domestic rates relief for retail, hospitality and tourism
  • £10,000 grants for small businesses in receipt of the Small Business Bonus Scheme or Rural Relief
  • £25,000 grants for hospitality, leisure and retail properties with a rateable value between £18,000 and £51,000
  • 1.6% relief for all properties, effectively freezing the poundage rate next year
  • First Minister to convene an emergency meeting of the Financial Services Advisory Board
  • urging local authorities to relax planning rules to allow pubs and restaurants to operate temporarily as takeaways
  • extending the go live date for the deposit return scheme to July 2022
  • halting the introduction of the Visitor Levy Bill

The £2.2 billion package of support for business supersedes the £320 million package announced on 14 March and includes an additional £1.9 billion of increased support following the Chancellor’s announcement on 17 March.

A helpline providing businesses across Scotland with advice and guidance on COVID-19 - advisers across Scotland will answer questions from businesses related to COVID-19. The helpline will also help the Scottish Government identify the current challenges facing businesses.

The helpline is 0300 303 0660, and will be open Monday to Friday, between 8.30am to 5.30pm. 

The website is the best way for business to find the information they need in relation to Covid-19 (24/7)

FULL Chamber Members (M5 Membership and up) have FREE access to FOUR essential business services below. If you would like to take out FULL membership please contact us and we can help arrange this.

  • Chamber HR
  • Chamber Health & Safety
  • Chamber Legal
  • Chamber Tax

These services include the following:

  • Unlimited access to the HR / employment law advice line
  • Unlimited access to an HR website with a document library
  • Unlimited access to a Legal Advice line
  • Unlimited access to an online library of template legal documents
  • Unlimited access to health & safety advice
  • Unlimited access to an online library of health & safety documents
  • Unlimited access to advice on tax and VAT matters

In summary, you have unlimited access to five business advice lines and over 750 free business documents.

Advice Line

One number giving unlimited access to experienced advisors offering practical advice on HR, employment law, health & safety, legal issues plus tax and VAT matters.

Call 01455 852128. You will be asked for your name and company name (if you are a FULL member and have any problems please let us know).


Access to over 750 free template documents covering HR, employment law, health and safety and legal matters. The website also includes HR and H&S Health Checks. To visit the website and login click here.