Retail & Services

COVID-19 Resource Hub

Your central Hub for all Retail & Services related COVID-19 Resources, designed to help you navigate the levers that are available to you, as operators and owners.

The below Perks summary table lays out the key economic levers that you can leverage for your business, with a cursory indication as to the complexity of effort that each requires.

If you have any questions, please contact us via the Get In Touch button below.

Retail & Services Summary

Available Economic Levers



Reduce Power

Cancel/ Defer Subscription Services

Cancel Cleaning/ Waste Clearing Services

Merchant Fees
Download Summary

P&I Conversion
Download Summary
Read FAQs

Address Surplus Stock

Deferral of 2019 Income Tax returns

Deferral of March 2020 BAS

Deferral of other Existing/ New tax debts

Cash Flow Boost ($20k-$100k)
Download Summary
Read FAQs


Rent Holiday

Rent Deferment

Review/ Reduce Insurance Costs

Repayment Deferral
Download Summary
Read FAQs

Reduce Suppliers & Contractors

Vary PAYG instalments to nil or negative balance


Commercial Lease Code of Conduct
Read Article
Read FAQs

Working Capital Loan
Download Summary
Read FAQs

Top 10 Retail & Services FAQs

If you are forced to temporarily close down your business due to a stoppage of work that you as an employer cannot be held responsible for (such as a Government ordered closure), then under the Fair Work Act you can stand down employees without pay. Events such as the current COVID-19 pandemic, can place businesses in circumstances where they are unable to usefully employ an employee or group of employees. It is critical that there is a stoppage of work to trigger a stand down. That is, all or part of the business must cease operations in order to lawfully stand employees down without pay. Employers should ask:
  • Is there a stoppage of work?
  • Is it for a reason reasonably outside my control?
  • Can the affected employees be employed to perform useful work?
Always seek advice before utilising the stand down provisions in the Fair Work Act, to ensure they apply to your business.
Genuine casuals are engaged day to day and so if there is no more work to offer them going forward then they are not stood down (nor made redundant or terminated) legally. However you need to check that your casual employees are genuinely classified as casual (not working regular and systematic hours) as that then raises the question of whether the casual is actually genuine. You will need to seek advice specifically regarding the circumstances of your casuals and their working patterns.
There are no grouping provisions from our review of the Bills and Explanatory Memorandum.  Again however, there are anti-avoidance provisions designed to prevent the artificial obtaining of increased or additional boost payments.

It is up to the landlord and tenant to determine how the code is implemented having regard to their lease agreement.

The arrangements will be overseen by a binding mediation process administered by the States and Territories.

Banks are also being implored to “come to the table” and provide support for landlords.

More details will be known once the code of conduct is released.

No – there is no legal entitlement to be paid annual leave during a true stand down. It is at the discretion of the employer if they are willing and able to allow employees to access accrued annual leave entitlements during a stand down. It is important to keep in mind that any agreement to do so should be recorded in writing.
Whilst you can’t unilaterally reduce an employee’s pay (to do so would effectively amount to a termination of their contract, as their pay is a fundamental condition of their employment) you can enter into an agreement with an employee who agrees to take a “pay cut” by consent. Employees should not be coerced or forced to accept a pay cut, and any agreement that you do reach should be recorded clearly in writing, signed by both parties, and be clear about the duration of the temporary variation to pay. You also need to ensure that at no stage are you paying employees below their minimum Award entitlements.
You could mutually agree to amend the contract for a period of time (the duration of COVID-19) and you ensure as an employer, that the employee observes confidentiality and it does not create a conflict of interest to their main employer. This would be fair and reasonable. The JobKeeper legislation contemplates this request and consent also - at least till 28 September 2020.
At a high level, the mandatory code of conduct will provide tenants a waiver or deferral on their rent where the tenant:
  • Has a turnover of $50M or less; and
  • Is entitled to participate in the JobKeeper Payment programme.
Each bank has a different eligibility criteria to access this support. Generally, this will apply to Small and Medium Enterprises with total lending limits up to $3m, less than $10m turnover and less than 100 employees. We suggest that  you support any request with an explanation as to how your business has been impacted by the COVID—19 pandemic, explaining what costs you have managed to contain or remove and, if possible, assess the impact that the pandemic is likely to have on your revenue and cash flow. If you can provide a 3 - 6 month forecast to support your request this would be very helpful and may speed up the process. If you are a current client of Perks, no matter what services you currently use, we can work with your bank on your behalf.
As the banks grapple with the impact that the COVID-19 pandemic on individuals and businesses we are seeing high wait periods with all the banks. The principle focus for banks at this point in time is assisting their customers who are impacted. Loan applications already ‘in the system’ (both residential and business) are being delayed. We continue to work very closely with the banks for all our clients. If you want us to take a look at your loan, you can expect the initial review and feedback from the Perks Finance team to take up to 5 business days.

See more FAQs by topic:

Top Retail & Services Downloads


Managing staff in a post JobKeeper world

Managing staff in a post JobKeeper world


With JobKeeper now closed, businesses need to look closely at their workforce to ensure they are well...
Read more.

Phase 2: Government-guaranteed loans now available to SMEs

Phase 2: Government-guaranteed loans now available to SMEs


Banking & Finance

The Federal Government’s loan scheme to assist small and medium-sized companies impacted by COVID-19 has been extended,...
Read more.

Business levers for sudden lockdowns & restrictions

Business levers for sudden lockdowns & restrictions


Business Advisory

Find out what economic levers are available when your business is affected by a sudden change to...
Read more.

(44 Results - Page 1 of 15)

Useful Links

Coronavirus Assistance Available

To view your bank's response measures to COVID-19, click on their logo

Employer Toolkit Coronavirus (COVID-19)

Our HR Consultancy, Perks People Solutions, has developed an easy to use Employer’s Handbook, which addresses the most common concerns and considerations for Australian workplaces during the COVID-19 crisis. Read more here

Download a customisable Work From Home policy template here.
Personal Mental Health Resources
Healthy Workplace Support
General Community Wellbeing

A selection of resources to help parents & carers to communicate and support child mental health. Specific resources for COVID-19 communications with children are also available here:

Australian Resources

National Coronavirus Helpline

Call this line if you are seeking information on coronavirus (COVID-19). The line operates 24 hours a day, seven days a week.

Australian health advice:

Website for free general Australian health advice. Includes easy to understand facts and procedures:


National status, government response alerts and media releases:

  Australian travel restrictions:

Comprehensive advisory including definitions of who can enter Australia, applications for exemptions, media alerts:


General travel related updates and information:

State Health Advisory

For up-to-date information regarding reported cases, investigations & measures per State.

Australian Capital Territory

  New South Wales

  Northern Territory


  South Australia

  Northern Territory

New Zealand Resources
New Zealand health advice:

  New Zealand travel restrictions:

Global Resources
WHO (World Health Organization):

Key Contacts

Specialists in Retail Business Advisory, HR Consulting, Banking & Finance and Tax Consulting

Kim Bigg

Kim Bigg

Assisting clients to plan for the transition to retirement and the associated requirements of estate and succession planning. Kim is a specialist in Self-Managed Super Funds.

Anita Allan

Anita Allan

Anita leads our cloud accounting specialist team, centred on creating efficiencies for our clients’ internal financial and reporting systems.

Cecilia White

Cecilia White

With a background in legal practice, Cecilia has developed strong technical expertise in all matters relating to workplace law, including awards, contracts, disciplinary matters, investigations, equal opportunity and HR policy development.

Bruce Debenham

Bruce Debenham

Bruce provides clients with tailored banking and finance solutions to best meet their business and personal requirements.

Neil Oakes

Neil Oakes

Providing tax consulting advice to small, medium and large enterprises, with specific focus in the aged-care and property industries.

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