Here we have collected a summary of support, advice and guidance available elsewhere on helping museums to deal with the evolving Coronavirus/Covid-19 situation. We will update this page as we find new information.

A SHARE guide for museums applying for National Lottery Heritage Fund Heritage Emergency Funding

Applications for the NLHF Heritage Emergency Fund are now open. Below is a summary of the key information you will need to complete an application, as well as some hints and tips. You will find guidance on:

  • Answering the question about meeting NLHF outcomes 
  • Answering finance questions 
  • Tips for improving your website to support your application 

Please be aware that NLHF are expecting a high number of applications so timescales may be reviewed.

IMPORTANT: Please let us know as soon as you are considering putting in an application to NHLF. You can drop us an email at

Who can apply and deadlines

Grants are available from £3,000 – £50,000 to support immediate actions needed to stabilise operations, manage unforeseen risks and cover unavoidable costs organisations will be unable to meet for up to four months. Partnership (match-funding) is not required.

Please be aware that organisations within Local Authorities, Universities and privately-owned museums are not eligible even if you have previously received funding from NLHF. Additionally, organisations which have significant and ongoing resilience issues pre-dating the Covid-19 emergency will be a lower priority but may be able to access support through other NLHF initiatives. 

  • Applications open: Wednesday 15 April
  • Deadline for applications: Tuesday 30 June
  • Notification for successful applicants: ongoing

If your organisation is currently working on a project funded by NLHF please contact them via your Investment Manager to discuss options available to your organisation. NLHF have postponed all other current grant schemes.

To apply, your museum must meet all the following criteria:

  • a not-for-profit organisation
  • have completed a grant of more than £10,000 from NLHF in the past 10 years
  • an owner, manager or representative of heritage, or be able to show you have delivered participatory heritage activity
  • not already in receipt of emergency funding from another National Lottery distributor, including Arts Council England.

Funding could cover operational costs such as:

  • running immediate risk management reviews and the actions identified as needed to safe-guard organisations
  • reconfigure business plans, governance and activity needed to help safeguard the future of organisations
  • cost for site security
  • maintaining climatic conditions for collections
  • staff costs to allow organisations to respond, design and deliver plans

The NHLF is unable to fund:

  • staff costs that are eligible to be covered by government support, e.g. furloughing
  • redundancy costs for staff that have not been hired as part of funding for NLHF projects
  • costs that will incur beyond four months from the point of your application
  • sustainability costs that have been exacerbated by the crisis

Application Tips

  • Before starting the application online, we suggest looking through the list of questions that you will be asked and start to gather the required information together. You can read the questions here.
  • Check key dates for finances – NLHF will not fund applications for costs incurred beyond 4 months of your application.
  • The questions in the application are much more weighted towards finance and sustainability, and as an organisation applying you need to consider what your costs will be.
  • You will need to complete the application in one sitting. Prepare answers in Word and be aware of the word limit; the website will cut off any text once reached.

Priority Organisations

A high demand is expected and NLHF is prioritising organisations which: 

  • have limited access to other sources of support, for example from Governments, other National Lottery distributors, other emergency funding from trusts and foundations
  • have already tried other options such as postponing or rescheduling projects, diverting funding to support operational costs, or value engineering projects
  • are at greater financial risk from Covid-19 due to a reliance on trading or community fundraising income streams
  • are at greater financial risk due to limited reserves.

It will also prioritise where:

  • an organisation is contributing to the NLHF Outcomes around economic regeneration, inclusion and wellbeing (see below for more detail)
  • an organisation is working within one of the NLHF’s Areas of Focus – in this region, Luton and Tendring.
  • heritage is most at risk. This includes heritage which is likely to be lost, damaged or forgotten; designated as ‘at risk’; sites that are decaying or neglected; intangible heritage and cultural practices that might be lost

 You will not be able to resubmit applications, this is strictly short-term emergency funding. NHLF are working with the Government and other funders to consider what additional support may be available where this funding may not be enough to address challenges faced by COVID-19. You will have opportunity in the application process to raise concerns about funding streams, eligibility for these and timings. 

During the application process NLHF will assess if organisations are better placed to access emergency funding from other sources (e.g. being a recipient of ACE grants as part of the Accreditation scheme or are successful with a local authority business grant.).

Assessment process

The NLHF will make decisions on applications within 2-3 weeks and may offer organisations a different amount of money than originally requested. If you are successful, you will need to provide additional documents to the NLHF. Payment, in full, will be provided upfront. It also will be a requirement to complete an evaluation report, including collecting some data.

NLHF Outcomes: 

You will be asked about how your organisation contributed to the National Lottery Heritage Fund outcomes. The application will ask you to:

“Tell us about the nature of the work your organisation does and how you are contributing to our outcomes around economic regeneration, inclusion and wellbeing. (200 word limit).”

You have very few words for your answer to this question! Write about:

  • the work you do (i.e. don’t waste words on who you are or too much about your collections)
  • how this work could use your collections, stories and/or buildings to bring heritage to life for the communities that you work with
  • Concentrate on the activities you do with and for your community
  • How do you support the local agenda and needs of the local (or wider if relevant) community as well as supporting tourism and economic activity?
The three NHLF’s Outcomes they want you to talk about here are INCLUSION, WELLBEING, and ECONOMIC REGENERATION
1. INCLUSION: A wider range of people will be involved in heritage:It might include, for example, a broader range of ages, ethnicities and social backgrounds, more disabled people, or groups who have never engaged with your heritage before.

HINT: What to think about/include in your application

This involvement/ engagement/inclusion can include your visitors, your workforce including volunteers and trustees, work experience trainees etc.

  • Have you collected any audience/visitor data via SHARE VIE, Audience Finder or other methods so you have data about the age range, ethnicities, social backgrounds etc? If so, can you include some basic overview figures?
  • Do you have a vision of inclusion for your organisation?
  • What have you done recently/plan to do to develop your audience? Do you have an Audience Development Plan?
  • Have you done/plan any projects/activities for particular types of visitors e.g. early years, older people, mental health or disability related groups?
  • What have you done recently/plan to do to improve access (in the widest sense) to your site, your collections (including digitally) and your website?
  • Have you made efforts to diversify your staff/volunteers/trustees?
  • Back up as much as possible with figures and facts rather than speculation. Do you know how many people visited and the reasons why they came?
6. Wellbeing: People will have a great sense of wellbeing. Participants/ Visitors will report, for example, increased happiness, greater satisfaction, reduced levels of anxiety, and/or that life feels more worthwhile as a result of their involvement in your project.  They will feel more connected to those around them, or maybe more connected to the place they live in

HINT: What to think about/include in your application

  • Do you work on any specific projects with wellbeing aims?
  • Do you support local festivals/ events that help local place- making?
9.Economic regeneration: The local economy will be boosted You’ll be able to show that local businesses have benefited from your project.

HINT: What to think about/include in your application

  • Can you show that you have you increased the number of tourists coming into the area or that visitors come specially to visit you?
  • Do you have a shop, café, average spend figures?
  • Do you use local suppliers/ businesses and add to their income?
  • Do you support local festivals/ events that add to local economic activity?
  • How many people do you employ? How many volunteers do you have?
An example of a 200-word response: “Tell us about the nature of the work your organisation does and how you are contributing to our outcomes around economic regeneration, inclusion and wellbeing. (200 word limit).”   Teapot Museum (word count 199)
In our 2020-25 Forward Plan we aim for the Teapot Museum to be ‘a tea break from a busy world’.  Through our displays and programmes we engage diverse audiences with the importance of tea making and sharing.  We know that of our 20,000 visitors in 2018-2019, 5,000 specifically engaged through our programmes – whether through our weekly partnership project with MIND or the carers and under 5s Club from the local housing estate.  Last year we developed an online tour and in response to Covid-19 we are creating online resources to celebrate the mental health benefits of sharing food, the science of tea and how to make tea pots.
Our cafe is renowned for afternoon tea and is the number 1 café for Teasville on Trip Advisor and the museum has an annual income of £70,000.  We are therefore central to our local economy: we employ 3 FT members of staff, 10 PT staff in high season, buy cakes from Mrs Miggins and use external local caterers for our 20 events a year that we host for weddings, wedding anniversaries and graduation parties.  Our 35 volunteers are primarily over 65 years old and in our annual survey 98% felt valued.

…don’t forget your website!

 Assessors may check out your website in order to get a feel for your organisation. If you are able, spend time improving the appearance and content of some key pages to support your application. Here are some top tips for impressing an assessor:

  1. First and foremost, make sure on the landing page that you say the museums is currently closed…but outline what you are offering instead (e.g. online volunteering/ shop/ advice/home learning resources/online exhibitions etc) – use it for positive messaging and show that you are proactive.  Check out these sites for ideas and  
  2. Have direct links on the front page to the resources that are still available – particularly anything that can help people’s mental health –such as online volunteering or online exhibitions or events.
  3. Include links to social media – and ensure they are active and are currently being used.
  4. Ensure all events that are on the page say if they are cancelled or postponed or going ahead at present
  5. It would also be useful to see a page about staffing/ volunteering/ trustees … ‘the who we are’ – these are always really interesting pages, as you get an idea of the type of organisation that you are looking at.
  6. Ensure headline figures for the previous year are easy to find i.e. how many people came, how many people actively engaged, how much money was fundraised, how many members of staff, how many volunteers etc.
  7. Quotes from visitors about how marvellous you are through Trip advisor etc can also help to show that you are responsive to your audiences and have an interest in what they say.

 Answering the finance questions

Below are some suggestions for handling the questions regarding risks and management of finances.

19. As the details of some Covid-19 related funding schemes are not yet clear, tell us about any concerns you may have about your eligibility for them, the timing of receipt of grants and how you plan on bridging any gaps around this timing
  • Avoid surprises – regularly update the cashflow
  • Move from annual to monthly payments e.g. insurance
  • More frequent Gift Aid claims instead of an annual claim
27. What do you need to do now to stop your organisation being at risk? What have you already done to reduce your outgoings? What more do you plan to do? around this timing
  • Submit monthly utility readings to ensure you’re only paying for what you use
  • Make receiving donations easy with an electronic donations feature on your website
  • Share your museum’s financial predicament with your members and supporters and ask for a donation
  • Join AIM’s Energy Action Group
  • Establish a small society lottery: at least 20% of proceeds must be applied to the organisation
28. How much free reserves and other funding is immediately available to support the short-term operation of the organisation? Please enter the amount
  • Free reserves are cash, current and no-notice savings accounts, and designated funds unrelated to a restricted grant. Free reserves do not include pre-booking or other pre-payments which should be held back for refunds
29. How long is this expected to last, in months? Ignore funds that are reserved for projects that you are contractually committed to and take in to account any reduction of costs that you have already implemented.
  • Analyse cash-flow forecast from date of application.
30. Has your organisation faced any significant sustainability concerns in 2019 or in early 2020 prior to the impact of Covid-19 arising?  (100 word limit) If yes, please summarise. In this context, we mean concerns as to whether you might be at risk of closure in the next two years unless you secure additional funding or implemented a reorganisation plan. around this timing
  • Example: Business planning highlighted a need for staff downsizing to stay within income but needed income from 2020 season to fund redundancies

…Don’t forget we can help!

We are providing a dedicated helpline to museums in the East of England who want to talk through governance issues, including finances. If you would like support answering any of the questions above, please see below for details:

Business support helpline

 We have appointed Julie Cole of JMC Consultancy to provide support to museums with business planning, governance and HR issues. Julie is able to advise on:

  • Paid employees/workers
  • Home working
  • Lone working / safeguarding
  • Insurance cover
  • Director/Trustee decision-making
  • AGM/EGMs
  • Statutory reporting
  • Emergency financial planning
  • Planning for worse case scenarios: winding-up/dissolution

Please email Julie to arrange a time to discuss your application.

Creating a Cashflow Forecast

The cashflow forecast is a supporting document required for Heritage Emergency Fund grants over £10,000. Click here to watch the NLHF video on how to do this (it’s the second, longer video on the page). The key points are:

  • One single spreadsheet is requested. Other cashflow scenarios can be presented in separate notes (but not more spreadsheets)
  • Forecasts will be accepted in good faith and museums will not be held to them
  • There is no specified template but the video shows a useful format in Excel
  • If a museum has a trading subsidiary it should present income cashflow as a consolidated forecast from both museum and subsidiary
  • The income forecast should split ordinary expected income and anticipated emergency income
  • Museums should make fair assumptions about income and include a short note why they are making those assumptions
  • Investment income and regular revenue funding income should be recorded as separate items
  • It would be prudent to assume that furloughing won’t continue beyond the current phase
  • All other actual emergency income must be recorded, e.g. Small Business Rate Relief, Retail Hospitality & Leisure Grants, insurance (if paying out)
  • A note of applications for other emergency funding should be included even if not yet awarded
  • Expenditure includes pre-existing liabilities becoming due in the next four months
  • Payroll costs should take the Job Retention Scheme income into account
  • Decision makers will look particularly at the HEF grant requested and other anticipated emergency funding to gauge the priority rating of the museum
Wellbeing Resources: Top tips for looking after your Mental Health Covid-19

Top tips mental health Covid-19 share museums east

Lauren Ephithite is a Wellbeing Advocate based in Norfolk, UK. She works with wellbeing businesses, organisations and charities helping them to reach more people, manage projects and produce content. Lauren previously chaired SEMFed and worked at Gressenhall Farm and Workhouse as Assistant Curator.

Remember – your own health and wellbeing comes first!

Don’t forget the human impact on staff and volunteers. Even if few at your museum are affected by the virus, those who come to work may have relatives who are ill or may be trying to also do the work of those who are off sick.Please continue to check the advice published here in addition that from to your local authorities:

Please be mindful of the wellbeing of your volunteers, staff and freelancers – the Mental Health Foundation has published some excellent advice on looking after your mental health during the outbreak.

A SHARE guide for museums applying for ACE financial support (for organisations outside of the National Portfolio)


Arts Council England has released its emergency funding and below we have summarised key points of the application process. Please be aware that as this is emergency funding ACE may change the response time and notice period depending on the amount of applications received.

  • Click here for an overview of the funding.
  • Click here for the easy read version of the guidance.
  • Click here for the full application as a Word document
  • Click here for a guide to using Grantium
 Please let us know as soon as you are considering putting in an application to ACE. You can drop us an email. ACE may use our knowledge of museums in our region to help make decisions about who receives funding

Who can apply and deadlines

Firstly, organisations will need to be part of ACE’s Accreditation Scheme (those officially ‘Working Towards’ are not eligible). In order to apply organisations will also need to have a Grantium Account. The deadline for setting up an Applicant Profile in Grantium is 27th April. Applications for round 1 are now closed. The deadline for round 2 of applications is midday 30th April for round 2.

Please note, that in order to apply organisations must have previously received public funding. This includes organisations which have been funded by SHARE Museums East or their regional County Museum Development Organisation. This also includes receiving funding from other funding bodies including NLHF, Esmée Fairburn etc.

If your organisation is currently working on a project funded by ACE please contact them via email to discuss how the funds could possibly be directed elsewhere.

Museums can apply for a maximum of £35,000, to be used within six months of receiving the grant. You can apply for funding to development or public-facing activity, and you can apply for funding to cover operational costs.

Operational costs may include:

  • rent or other building costs
  • staff costs
  • overheads such as utilities, insurance etc
  • costs associated with keeping your organisation operational over the next six months

Funding could be used to cover:

A. Activity intended to prevent your organisation ceasing operation due to the financial impact of the Covid-19 emergency, for example:

  • urgent changes of business model
  • essential operational costs (such as rent and staff costs)
  • IT and other equipment-related costs to support home working


B. Development and delivery of activity specifically designed to be deliverable during the next six months, including:

  • development projects in readiness for organisations restarting normal operations, for example organisational development, and/or
  • public facing projects, for example digital/online projects

Application process

ACE have released two funding rounds, organisations can only apply for only one round. If you submit more than application, it will not be considered.  However, if organisations have not been able to submit an application in time for round 1, the draft application will still be saved and able to submit for round 2.

No match funding is needed in order to receive the grant.

Round 1:

  • Now closed

Round 2:

  • Applications open: midday 16th April
  • Deadline for setting up an Applicant Profile for Grantium: 27th April
  • Closes: 30th April midday

ACE understands that organisations may be applying for support from multiple funders and encourage you to apply to as many funders as possible. Please be aware that you if you are also offered funding from the NLHF’s Heritage Emergency Fund you will not be able to accept funding from both organisations.

Arts Council staff, including Relationship Managers and customer service, will not be able to offer specific guidance or advice about how to write your application.

ACE have tried to keep the application as simple as possible. They will ask organisations to show their cashflow, any other grant income, and how you will manage the grant. Please detail any income losses; organisations may be required to show evidence at a later stage.

ACE will ask organisations to:

  1. Identify the losses organisations have incurred due to the Covid-19 emergency
  2. Tell it about your organisation’s work and its track record working in the publicly funded arts and culture sector.
  3. What difference an emergency grant from this fund would make to your organisation. ACE will ask you to provide a simple budget and cashflow, your last year’s turnover and your reserves position. Detail how you might use the funding within the next six months. While there is no requirement for match funding for this programme, please still detail any other emergency funding that you are reasonably expecting to receive from other sources.
  4. If you plan to deliver any immediate activity (including delivery or organisational development), how it would help your organisation contribute to delivering ACE’s new Strategy for 2020-2030, Let’s Create. See below for more guidance.
  5. How funding you receive now will help you to contribute to delivering Let’s Create in the future. See below for more guidance.

Click here to read to read the full application and questions (as a Word document)

The Let’s Create Strategy

You will be asked about how you plan to work with ACE’s new strategy Let’s Create. The grant guidance says you will need to,

Tell us if you will be delivering any activities that go towards our new strategy, Let’s Create – Use the three outcomes in our new strategy to explain how your work will deliver against them in the next 6 months
Tell us how the funding will help you contribute to Let’s Create in the future  – Use the three outcomes in our new strategy to explain how your work will deliver against them beyond the next 6 months

Advice and hints on completing the section on Let’s Create


If you would like to talk through the ways in which your museum may already be working towards the Let’s Create strategy, or could do in future, you can make use of the support line we are providing for this application process. Informal support is being provided by ex-SHARE Coordinator, Simon Floyd. Simon has experience of working with museums of all sizes, and within the arts managing community theatre projects. He also has experience of writing funding applications including those to ACE. Simon will be happy to discuss with you how your museum is – or could be – supporting Let’s Create and how you might include this in your application.

Please check that your museum fully meets the funding criteria (found on page 6 of the guidance) before making use of this service. It will be available from 6-30 April 2020 for applicants to ACE’s Emergency Funds scheme only. To access the service, please contact Simon Floyd at or 07896 781574.

AIM Online Advice Surgeries

The Association of Independent Museums are offering up to an hour of consultation to support museums with the application to the ACE and NLHF emergency funds. For more information and how to apply, click here.

ACE values Shared Experiences of Culture

Museums play an essential role in helping us understand and shape culture. They connect us to the past and encourage us to think about the future. Museums themselves have evolved into cross-disciplinary institutions, connecting science, history and art, developing knowledge through research, making space for education, debate, creative and artistic activity and sustaining a spirit of place in communities. All of this work plays a key role in ensuring that England’s collections and objects are developed, protected and enjoyed, both now and in the future. A dynamic museums sector will be at the heart of this Strategy: over the next 10 years, alongside our statutory functions, we will go on expanding public access to their collections, to ensure that they continue to delight and inspire as many people as possible.

Let’s Create is divided into two sections: Outcomes and Investment Principles. You will need to show that your museum contributes to at least one of the Outcomes and works in line with as many Investment Principles as possible.


1. CULTURAL COMMUNITIES: Villages, towns and cities thrive through a collaborative approach to culture.

We want to see communities that are more socially cohesive and economically robust, and in which residents experience improved physical and mental wellbeing, as a result of investment in culture.

Museums are centres for knowledge and cultural participation. They work with local communities to create understanding of people and places.

We will support local cultural organisations, including libraries, museums, Music Education Hubs and arts, to develop a better understanding of the needs and interests of their communities, and to use that intelligence for the measurable benefit of those communities.

HINT: What to think about/include in your application

  • Have you any engagement with Local Cultural Education Partnerships (LCEPs)?
  • Any age-friendly work done or planned?
  • Any family-friendly work done or planned?
  • Any partnerships with other community groups and/or local organisations?
  • Have any staff volunteered attended training relevant to this e.g. from the Museums & Communities East network?

2. CREATIVE PEOPLE: Everyone can develop and express creativity throughout their life. Museums, libraries and arts organisations can use their collections, knowledge, skills and other assets to support community-led activities that are open to everyon

HINT: What to think about/include in your application

  • Do you support people, including Early Years children and older people to be creative in your spaces through formal, informal activities and other ways?
  • Do you work with Artists/Creative Practitioners to use your collections to work with your visitors?

3. A CREATIVE & CULTURAL COUNTRY: England’s cultural sector is innovative, collaborative and international

HINT: What to think about/include in your application

  • Has your museum contributed to any SHARE (or other) networks or training delivery?
  • Has your museum taken part in any Kids in Museums’ Takeover day? Or worked with any FE/HE students on work experience or similar?
  • Do you have any World Culture items in your collection, if so how have you worked with them
  • Any innovative projects or others that could be described as reimagining our cultural heritage for the audiences of today?

Investment Principles

ACE believes that museums that are committed to applying its four Investment Principles will be better able to deliver the Outcomes described above. Consider these when completing your application:

1. AMBITION & QUALITY: Cultural organisations are ambitious and committed to improving the quality of their work

HINT: What to think about/include in your application

  • Have you been part of SHARE’s Mystery Shopping Scheme?
  • Have you asked visitors what they think of you, perhaps through SHARE’s VIE scheme or Audience Finder?
  • Have you or staff or volunteers attended any relevant training on this?
  • Have any of your staff or volunteers undertaken a relevant qualification recently (e.g. Volunteer Management with SHARE)?

2. INCLUSIVITY & RELEVANCE: England’s diversity is fully reflected in the organisations and individuals that we support and in the culture they produce

HINT: What to think about/include in your application

  • Have you done an Equality Action plan in your museum?
  • Have you had a SHARE Hidden Histories grant or done any similar work?
  • Have you or staff or volunteers attended any relevant training on this?
  • Have you sought to recruit trustees with a diversity of opinion and/or trustees who reflect your community?
  • Have you sought to recruit volunteers with diverse skills/outlook and who reflect your community?

3. DYNAMISM: Cultural organisations are dynamic and able to respond to the challenges of the next decade

HINT: What to think about/include in your application

  • What does your Forward Plan say on this?
  • Have you put in place a way to recruit new trustees and expand your skillset for the future?
  • Is your Business model fit for purpose? Have you developed/changed it recently, for example participated in a SHARE Think Like a Business programme.
  • How are you responding to this current crisis?
  • What are you doing differently compared to two years ago?
  • What do you see as challenges of the next decade after this crisis has eased?
  • Are you doing any contemporary collecting and/or re-interpreting your existing collections (e.g. are you decolonising your collections?)
  • Are you reviewing and rationalising collections, assessing significance and relevance?
  • Are you developing your use of modern technology to keep up with new trends (e.g. digital fundraising)
  • Has your museum checked its governance against current best practice and new legal models? Has this led you to transition to CIO status?

4. ENVIRONMENTAL RESPONSIBILITY: Cultural organisations lead the way in their approach to environmental responsibility

HINT: What to think about/include in your application

  • Have you had a SHARE Sustainable Energies grant?
  • What have you done/plan to do to reduce your Carbon footprint/ move towards Carbon neutrality?
  • Have you or staff or volunteers attended any relevant training on this?


Organisations Resources

Arts Council England:


Museums Association: 

  • launched a FAQ page which is regularly updated

Museum Development:

Collections Resources
Resilience Resources
  • The UK Government website has a comprehensive page on risk management.
  • The Charity Finance Group has published a Coronavirus Guide which offers  practical guide for charity finance professionals covering business continuity planning, cashflow management and insurance. The guide is being update regularly.
  • AIM has published a Coronovirus advice page on its website which includes a 10-point Business Resilience Checklist– make sure you read this and act before it’s too late. It will be updated regularly.
  • Chatham Historic Dockyard Trust has released a Coronavirus Pandemic Business Continuity Plan
Leadership Resources
  • NCVO has also created a Coronavirus page with lots of useful advice for voluntary organisations, which is also relevant for employers. It has just been updated to include: sick leave and reducing social contact; holding events, board meetings and AGMs; additions to contingency planning and how insurance will be impacted; a new section on what to expect from funders
  • The Chancellor’s COVID-19: Support for Businesses package:
    –  statutory sick pay relief package for small and medium enterprises (SMEs)
    – a 12-month business rates holiday for all retail, hospitality and leisure businesses in England
    small business grant funding of £10,000 for all business in receipt of small business rate relief or rural rate relief
    – grant funding of £25,000 for retail, hospitality and leisure businesses with property with a rateable value between £15,000 and £51,000
    – the Coronavirus Business Interruption Loan Scheme offering loans of up to £5 million for SMEs through the British Business Bank
    – the HMRC Time To Pay Scheme
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