Some extra information
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Dependent on individual circumstances, you should be able to access support through one or more of the following schemes.

Self Employed Income Support Scheme

This scheme can be used if you are self-employed or you’re a member of a partnership and have lost income due to the coronavirus.

The scheme will allow an individual to claim a taxable grant worth 80% of trading profits up to a maximum of £2,500 per month for the next 3 months. This may be extended if needed.

You can apply if you’re a self-employed individual or a member of a partnership and you:

  • have submitted your Income Tax Self Assessment tax return for the tax year 2018-19
  • traded in the tax year 2019-20
  • are trading when you apply, or would be except for COVID-19
  • intend to continue to trade in the tax year 2020-21
  • have lost trading/partnership trading profits due to COVID-19

Your self-employed trading profits must also be less than £50,000 and more than half of your income comes from self-employment. More information about this scheme can be found at

Coronavirus Business Interruption Loan Scheme

The CBILS provides financial support to smaller businesses (SMEs) across the UK that are losing revenue, and seeing their cashflow disrupted, as a result of the COVID-19 outbreak.

British Business Bank operates CBILS via its accredited lenders. There are over 40 of these lenders currently working to provide finance. They include high-street banks, challenger banks, asset-based lenders and smaller specialist local lenders

A lender can provide up to £5 million in the form of term loans, overdrafts, invoice finance or asset finance. CBILS gives the lender a government-backed guarantee for the loan repayments to encourage more lending. The borrower remains fully liable for the debt.

More information can be found at

Universal Credit

Universal Credit (UC) is a payment to help with living costs, available to people on a low income or who are out of work. Visit to check your eligibility for this form of assistance.

Please note -  some banks/building societies are offering ‘mortgage holidays’ for those who have lost income due to coronavirus. It is recommended that you check with your individual lender to find out if you are eligible.

You can also find more information on the Find Business Support website or contact the Scottish Government’s business helpline on 0300 303 0660.

Private and third sector providers

All private and third sector providers who provide funded ELC in their settings will continue to receive payments from their local authority for these funded ELC hours. Your local authority will be in contact with you to confirm local arrangements for these payments.

Private and third sector providers will be able to access the following support measures.

Coronavirus Job Retention Scheme

All UK employers with a PAYE scheme can access support to safeguard workers from being made redundant.

The Scheme applies to employees who have been asked to stop working, but who are being kept on the pay roll, otherwise described as ‘furloughed workers’. It can be accessed even if you are remaining open to deliver emergency childcare (but have had to ask some members of staff to stop working).

The scheme will reimburse, through HMRC, 80% of furloughed workers wages, up to £2,500 per month and will cover the cost of wages backdated to 1 March. It is initially open for 3 months but will be extended if necessary. The online system for reimbursement is currently being set up by the HMRC and payments are expected to be made from the end of April.

For details of the Coronavirus Job Retention Scheme, go to:

Information on the Coronavirus Job Retention Scheme is being updated regularly, and the latest update bulletin (16 April 2020) can be found here:

Business support Fund

If you are a small business ratepayer then through the Business Support Fund you are able to claim a one-off grant for £10,000. You need to be a ratepayer in receipt of the Small Business Bonus Scheme (SBBS) or Rural Relief on 17 March 2020, or eligible for SBBS but in receipt of Nursery Relief or Disabled Relief on that date, and with a rateable value up to £18,000. For more information visit

Coronavirus Business Interruption Loan Scheme

If you are experiencing short-term cash-flow challenges, in particular ahead of receiving payments from the Coronavirus Job Retention Scheme, then you can access support through the Coronavirus Business Interruption Loan Scheme. More information is available at This allows small and medium sized businesses to access a loan which is interest free for the first 12 months and has no upfront fees. The scheme is being delivered through commercial lenders. To apply, you should talk to your bank or one of the 40 accredited finance providers offering the scheme as soon as possible to discuss your business plan with them.

Statutory Sick Pay Rebate

Small and medium-sized businesses (those with fewer than 250 employees as of 28 February 2020) can reclaim, through the Statutory Sick Pay Rebate, Statutory Sick Pay paid for staff sickness absence due to coronavirus. This refund will cover up to 2 weeks’ Statutory Sick Pay per eligible employee who has been off work because of coronavirus. More information can be found at

Third Sector Providers

The Third Sector Resilience Fund (TSRF) is a £20m emergency fund for charities, community groups, social enterprises and voluntary organisations working in Scotland. The fund will support organisations that already deliver services and products but find themselves in financial difficulties directly as a result of the coronavirus pandemic. The primary intention of the fund is to help third sector organisations to stabilise and manage cash flows over this difficult period.

In order to find out if your setting is available, visit the eligibility checker at

More information about the Fund overall is available at

Employment & Self-Employment Coronavirus Help

The Money Saving Expert website is a good source of information and advice on employment matters and more: