Translate the text from English to Welsh.



 
The Economic Resilience Fund aims to plug the gaps in the support schemes already announced by the UK Government, including the Job Retention Scheme and the Self\-Employed Income Support Scheme, which will guarantee 80% of people’s wages and income.

The new £500 million Welsh fund will support firms of all sizes, including social enterprises, with a focus on those which have not already benefited from the coronavirus grants already announced by Welsh Government.

First Minister Mark Drakeford said:


> The pace at which the coronavirus pandemic is affecting our economy is extraordinary. Now, more than ever, government needs to do all it can to support the economy and business.
> 
> The recent announcements by the UK government provided some much\-needed protection for many workers and their families in Wales. Only the UK government has the macro\-economic and fiscal levers to minimise the enormous damage this economic shut\-down will do to the UK economy.
> 
> But even with these interventions, there are elements of the economy, businesses and charities in Wales facing insolvency because fixed and operating costs – rent, residual salary costs, leasing charges for vital equipment and maintaining operations – cannot be met during this crisis.
> 
> We made a commitment as a Welsh Government to fill the gaps and support the economy and businesses through this incredibly difficult time.
> 
> This package of support provides further assurance to firms, charities and social enterprises that we will do just that – help them deal with the economic impact of the pandemic.

The £500 million fund is made up of 2 main elements:

* a new £100 million Development Bank of Wales fund will be available for companies experiencing cash flow problems as a result of the pandemic and will provide loans of between £5,000 and £250,000 at favourable interest rates
* businesses will also be able to benefit from a £400 million emergency pot providing:
	1. Grants of £10,000 for micro\-businesses employing up to 9 people. This includes sole traders employing staff. Qualifying businesses will be able to apply by mid\-April.
	2. Grants of up to £100,000 for small and medium sized firms with between 10 and 249 employees. Qualifying businesses will be able to apply from next week.
	3. Support for larger Welsh companies, which are of critical social or economic importance to Wales. This element will be open to qualifying businesses within the next 2 weeks.

The £500 million Economic Resilience Fund will support businesses forced to temporarily cease trading – to go into “hibernation” – or which need cash\-flow support to adapt to a remote way of working.

The new fund builds on the £1\.4 billion business support package announced by Welsh Government on 18 March, which provides a year\-long rate relief holiday for all but the largest premises in the retail, hospitality and leisure sectors and grant\-support for more than 70,000 small businesses.

Ken Skates, Minister for the Economy, Transport and North Wales, said:


> This £500 million package will provide further vital assistance to thousands of firms and third sector organisations, which normally rely on trading income.
> 
> “We have been very clear, we are here to support the economy and the business community. We stand with every business and worker. Together we will get through this exceptionally challenging period.







Translation:


 
Nod y Gronfa Cadernid Economaidd yw cau bylchau’r cynlluniau cefnogi sydd eisoes wedi’u cyhoeddi gan Lywodraeth y DU, gan gynnwys y Cynllun Cadw Swyddi a’r Cynllun Cymorth Incwm Hunangyflogedig, a fydd yn gwarantu 80% o gyflogau ac incwm pobl.


Bydd y gronfa newydd gwerth £500 miliwn yng Nghymru yn cefnogi cwmnïau o bob maint, gan gynnwys mentrau cymdeithasol, gyda ffocws ar y rhai nad ydynt wedi elwa eisoes o’r grantiau coronafeirws sydd wedi’u cyhoeddi eisoes gan Lywodraeth Cymru.


Dywedodd y Prif Weinidog Mark Drakeford:



> Mae’r cyflymder y mae pandemig y coronafeirws yn effeithio ar ein heconomi ni’n rhyfeddol. Nawr, yn fwy nag erioed, rhaid i’r llywodraeth wneud popeth o fewn ei gallu i gefnogi’r economi a busnes.
> 
> 
> Mae cyhoeddiadau diweddar Llywodraeth y DU wedi darparu’r warchodaeth y mae ei gwir angen i lawer o weithwyr a’u teuluoedd yng Nghymru. Dim ond Llywodraeth y DU sydd â’r dylanwad macro\-economaidd ac ariannol i leihau’r difrod enfawr y bydd y cau economaidd hwn yn ei wneud i economi’r DU.
> 
> 
> Ond hyd yn oed gyda’r ymyriadau hyn, mae elfennau o’r economi, busnesau ac elusennau yng Nghymru’n wynebu ansolfedd oherwydd na all costau sefydlog a gweithredol – rhent, costau cyflog gweddillol, ffioedd prydlesu ar gyfer offer hanfodol a chynnal gweithredoedd – gael eu talu yn ystod yr argyfwng hwn.
> 
> 
> Rydyn ni wedi ymrwymo fel Llywodraeth Cymru i lenwi’r bylchau a chefnogi’r economi a busnesau yn ystod y cyfnod eithriadol anodd yma.
> 
> 
> Mae’r pecyn yma o gefnogaeth yn rhoi sicrwydd pellach i gwmnïau, elusennau a mentrau cymdeithasol y byddwn ni’n gwneud hynny – eu helpu i ddelio gydag effaith economaidd y pandemig.


Mae’r gronfa gwerth £500m yn cynnwys dwy brif elfen:


* bydd cronfa newydd Banc Datblygu Cymru gwerth £100 miliwn ar gael i gwmnïau sy’n profi problemau llif arian o ganlyniad i’r pandemig a bydd yn darparu benthyciadau sydd rhwng £5,000 a £250,000 gyda chyfraddau llog ffafriol.
* hefyd bydd busnesau’n gallu elwa o bot argyfwng gwerth £400 miliwn yn darparu’r canlynol:
	1. Grantiau o £10,000 ar gyfer micro\-fusnesau sy’n cyflogi hyd at naw o bobl. Mae hyn yn cynnwys unig fasnachwyr sy’n cyflogi staff. Bydd y busnesau cymwys yn gallu gwneud cais erbyn canol mis Ebrill.
	2. Grantiau o hyd at £100,000 ar gyfer busnesau bach a chanolig gyda rhwng 10 a 249 o gyflogeion. Bydd y busnesau cymwys yn gallu gwneud cais o’r wythnos nesaf ymlaen.
	3. Cefnogaeth i gwmnïau mwy yng Nghymru, sydd o bwysigrwydd cymdeithasol neu economaidd allweddol i Gymru. Bydd yr elfen hon yn agored i fusnesau cymwys yn ystod y pythefnos nesaf.


Bydd y Gronfa Cadernid Economaidd gwerth £500 miliwn yn cefnogi busnesau sy’n cael eu gorfodi i roi’r gorau i fasnachu dros dro – i fynd ati i “aeafgysgu” – neu sydd angen cefnogaeth llif arian i addasu i ffordd o weithio o bell.


Mae’r gronfa newydd yn adeiladu ar y pecyn cefnogi busnes gwerth £1\.4 biliwn sydd wedi’i gyhoeddi gan Lywodraeth Cymru ar Fawrth 18, sy’n darparu gwyliau gostyngiad ardrethi am flwyddyn gyfan i bob eiddo heblaw am yr eiddo mwyaf yn y sectorau manwerthu, lletygarwch a hamdden a chymorth grant i fwy na 70,000 o fusnesau bach.


Dywedodd Ken Skates, Gweinidog yr Economi, Trafnidiaeth a Gogledd Cymru:



> Bydd y pecyn gwerth £500m hwn yn darparu cymorth hanfodol pellach i filoedd o gwmnïau a sefydliadau’r trydydd sector, sydd fel rheol yn dibynnu ar incwm masnachu.
> 
> 
> Rydyn ni wedi bod yn glir iawn, rydyn ni yma i gefnogi’r economi a’r gymuned fusnes. Rydyn ni’n sefyll gyda phob busnes a gweithiwr. Gyda’n gilydd fe ddown ni drwy’r cyfnod eithriadol heriol yma.