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Navigating COVID-19:

What you need to know as a
Small Business Owner

Unprecedented challenges for small businesses


The worldwide COVID-19 pandemic continues to be a quickly changing, uncertain situation. It presents an unprecedented challenge for you as a business owner to keep yourself and your staff healthy, and your business running as smoothly as possible.


We’re here to help. Keep reading for tips on how stay in touch with your customers, find out your business credit score, how to keep your business health in check, and more. Of course, financing for your business may be on your mind – in addition to your financing options with OnDeck, there are also emergency funding sources available from the Australian government. Learn more below.



OnDeck adept at supporting small business

Civil construction industry veteran Ryan Musgrove from Sydney-based Adept Contracting has big expansion plans for 2022 and is delighted that OnDeck is joining him on the ride. Learn more here.


Roadmap to freedom unveiled for SMEs in NSW

The NSW Government has unveiled its much-anticipated Roadmap to Freedom, which hinges on the state reaching the 70% double dose vaccine target.  Learn more here.

Rent relief available for commercial tenants impacted by NSW lockdowns

The NSW Government has re-introduced commercial tenancy relief in keeping with the National Cabinet’s Mandatory Code of Conduct for Commercial Leasing to extend rent relief to eligible tenants impacted by COVID-19.  Learn more here.

Commonwealth and State Governments pledge support for Victorian small business

A new jointly funded package from the Commonwealth and Victorian Governments will give small businesses the extra support and confidence they need to recover from the recent lockdown that was eased in late July[i]. Learn more here.

Expanded COVID-19 support for small businesses as Greater Sydney lockdowns extended

As hundreds of thousands of SMEs across NSW face the cost of another month of lockdowns and stay at home orders, the Berejiklian and Morrison Governments have expanded the support package announced four weeks ago. Learn more here.

Governments combine to support business and individuals impacted by lockdowns

In a significant announcement for small businesses struggling under the weight of the latest lockdown orders, the Federal and NSW government have announced an extension of the COVID-19 Disaster Payment. Learn more here.

Grants of up to $10,000 to support COVID- impacted small businesses in NSW

The NSW Government has announced a major new grant package to help tens of thousands of small businesses across NSW impacted by the current COVID-19 restrictions. Learn more here.

Budget 2020/21: What’s in store for Aussie SMEs?

The federal government has announced one of the most anticipated budgets in history, outlining its plans to help the country rebuild post-COVID. But what exactly does it mean for small business? From loss carry-back and an overhaul of the instant asset write-off, to tax incentives and the JobMaker hiring credit, here’s what you need to know.

COVID-19 stimulus measures for small businesses

The government has provided stimulus packages that are helpful for small businesses in a number of ways. Some state governments have also provided additional support. Read here to get all the information about all the stimulus packages that have been announced by central as well as state government.

How to increase business cash flow during coronavirus

Whilst there’s light at the end of the tunnel with restrictions beginning to ease, you’ll still need to manage cash flow losses suffered during the lockdown. Unsure what’s best for your business? Here are some ways to increase cash flow if your business is struggling during this time.

Where is your state up to with COVID-19 re-opening?

It’s been a tough few months for Australian businesses, and the SME community has had to come to terms with some very challenging COVID-19 lockdowns. But for most states there is light at the end of the tunnel. This is your guide to how restrictions are being eased or, in some cases, tightened at a Federal level – and how the rules apply to your state/territory. We’ll continue to update the details as the situation changes.

Planning tool to help SMEs stay COVIDSafe

A planning tool has been released by the National COVID-19 Coordination Commission (NCCC) to help businesses keep their employees, customers, and the public safe as they start the gradual process of returning to work. Learn more here.

Small businesses show ingenuity and resilience in the face of crisis

We’ve been blown away by the entrepreneurship we’ve seen from SMEs pivoting their expertise into new opportunities. Whether it’s an outdoor event staging firm reassigning its tradies to carve out wooden desks or a yoga company taking its downward dogs online, inventive SMEs are determined to thrive rather than survive COVID-19. Read some of their stories here.

The importance of understanding your business credit health during COVID-19

Whether your business is thriving or you’ve had to shut shop, understanding the health of your business is equally important. During the current crisis, it’s become imperative for business owners to know their business credit score so that accurate measures can be taken. Read our guide to find out more.

Managing contractual impacts of COVID-19

In the current climate you may be required to negotiate on existing contracts with suppliers, partners or customers. The government has urged entities to work together towards an outcome where all parties in the supply chain survive the COVID-19 pandemic, but where exactly do you stand when it comes to negotiating contractual terms?  Check out this article on contract relief and force majeure in this time of uncertainty.

Why content is more important than ever right now

Your customers are at home, and they’ve got more time and fewer distractions than ever before. This means they’re hunting for content. Valuable content. Is your brand grasping the opportunity? Read more.

How to set employees up to work remotely

With stores and offices closed around the country, many businesses have been left with no choice but to transition to remote working. Whether you’re self-employed, managing a team or somewhere in between, working from home comes with a range of challenges. But with proper tools and management strategies, you can hit the ground running in no time.

Tips to maximise tax breaks while working from home

Every cloud has a silver lining. While the social distancing measures of COVID-19 mean many Australians are stuck inside, it also means you may be able to claim a tax break for home office expenses. Here are our top tips to maximise tax breaks during the lockdown.

Beware the rise in scams as COVID-19 bites

Scammers are taking advantage of the vulnerability and fears of Australian consumers, investors and business owners during the COVID-19 pandemic. Here’s what you and your employees need to be on the look out for to protect your business.

New ways to verify your customers’ ID during COVID-19

Social distancing is changing the way your business can verify the identity of new customers. Here’s the latest advice on checking your customers’ identity during COVID-19.



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Small Business Owners


1800 676 652


New Customers

Existing Customers

Payment support helpline – 1800 018 509


1800 831 294


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Additional resources to help navigate the COVID-19 Outbreak

How retailers can make the most of COVID-19 downtime

While there’s no denying this period is likely going to be one of the most challenging any business owner will face in their career, the downtime comes with it an opportunity to stop, take stock and prepare for business in a new, post-pandemic world. Here’s how to make the most of your downtime and to keep your sales flowing.

Read More

Communicating with your customers during COVID-19 will help keep your business afloat

The current environment means the timing and methods of communications you choose will be critical in helping you retain customers and keep your business solvent. Whether digital marketing, social media or public relations, the communications method you choose will be dependent on the business you operate. 

Learn More

Can business insurance protect your SME against Coronavirus?

Now is the time to tap in on the various business insurance policies that you might have taken out. Check out our guide to the different types of business insurance and the situations they may be helpful for.

View Guide

Recommended Reading

The Coronavirus outbreak is an ongoing, evolving situation—and new information becomes available almost daily. We’ll keep this section updated with the most helpful resources for business owners.



Economic Response to the Coronavirus
Australian Government – The Treasury


Coronavirus Information and Support for Business
Australian Government – Business


Coronavirus (COVID-19) Current Situation and Case Numbers
Australian Government – Department of Health


Latest Updates on the Coronavirus Pandemic


Latest Updates on the Coronavirus Pandemic



States & Territories

COVID-19 (Coronavirus): Information for Small Business Owners
New South Wales


Coronavirus Business Support


Novel Coronavirus Support for Businesses and Employees


COVID-19 Business Information and Support
South Australia


SBDC Blog – Coronavirus Stimulus Package
Western Australia


Community Advice – Business
Northern Territory