2020 Small Business Resources - State Treasurer's Office
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California State Treasurer Fiona Ma's Small Business Resource List
Last updated: 3/30/2020
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AgencyProgram NameWebsiteProgram SummaryContact PersonContact EmailPhone Number
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StateCal/OSHACal/OSHA Guidance on Requirements to Protect Workers from Coronavirushttps://www.dir.ca.gov/dosh/coronavirus/Health-Care-General-Industry.htmlWorkplace safety and health regulations in California require employers to protect workers exposed to airborne infectious diseases such as the coronavirus. Cal/OSHA has posted guidance to help employers comply with these safety requirements and to provide workers information on how to protect themselves.
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FederalCenter for Disease Control and Prevention (CDC)Interim Guidance for Businesses and Employers: Plan, Prepare and Respond to Coronavirus Disease 2019https://www.cdc.gov/coronavirus/2019-ncov/community/guidance-business-response.htmlThis interim guidance is based on what is currently known about the coronavirus disease 2019 (COVID-19). The Centers for Disease Control and Prevention (CDC) will update this interim guidance as needed and as additional information becomes available.
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FederalFEMAwww.disasterassistance.gov/Businesses can being applying for FEMA Disaster Assistance while we await a disaster declaration to release these funds. Information about the program and how to apply can be found here:
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FederalInternal Revenue ServiceStimulus Payments

Under Take Responsibility for Workers and Families Act
https://appropriations.house.gov/sites/democrats.appropriations.house.gov/files/COVIDSUPP3_xml.pdfMost adults would get $1,200, although some would get less. For every qualifying child age 16 or under, the payment would be an additional $500. If the Internal Revenue Service already has your bank account information based on 2019 tax filing, it would transfer the money to you via direct deposit based on the recent income-tax figures it already has.

Treasury Secretary Steven Mnuchin said he expected most people to get their payments within three weeks
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FederalIRSFederal Income Tax Extensionhttps://www.irs.gov/newsroom/tax-day-now-july-15-treasury-irs-extend-filing-deadline-and-federal-tax-payments-regardless-of-amount-owedThe federal income tax filing due date is automatically extended from April 15, 2020, to July 15, 2020.

Taxpayers can also defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest, regardless of the amount owed. This deferment applies to all taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax.

Taxpayers do not need to file any additional forms or call the IRS to qualify for this automatic federal tax filing and payment relief. Individual taxpayers who need additional time to file beyond the July 15 deadline, can request a filing extension by filing Form 4868 through their tax professional, tax software or using the Free File link on IRS.gov. Businesses who need additional time must file Form 7004.
866-255-0654
800-829-4933
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FederalThe United States Small Business AdministrationEconomic Injury Disaster Loans for Small Businesses and Nonprofitshttps://disasterloan.sba.gov/elaThe United States Small Business Administration (SBA) offers low interest loans up to $2 million for small businesses, nonprofits of any size, small agricultural cooperatives, and small aquaculture enterprises. The interest rate is 3.75% for small businesses. The interest rate for private non-profit organizations is 2.75%. Loan repayment terms can last as long as 30 years.

SBA disaster assistance is now available to all counties within the state of California and the neighboring counties below.

Neighboring Arizona counties: La Paz, Mohave and Yuma;
Neighboring Nevada counties: Clark, Douglas, Esmeralda, Lyon, Mineral, Nye and Washoe;
Neighboring Oregon counties: Curry, Jackson, Josephine, Klamath and Lake
Eligibility for Economic Injury Disaster Loans is based on the financial impact of the Coronavirus (COVID-19). The interest rate is 3.75 percent for small businesses. The interest rate for private non-profit organizations is 2.75 percent. SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years and are available to entities without the financial ability to offset the adverse impact without hardship.

The deadline to apply for an Economic Injury Disaster Loan is Dec. 16, 2020.
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FederalUnited States Department of LaborH.R. 6201 (Families First Coronavirus Response Act)

The Act is effective on or by April 2, 2020
https://www.dol.gov/agencies/whd/pandemic/ffcra-employee-paid-leaveBenefits for Employees
Normal FMLA is unpaid, but under the FFCRA, employees who are on sick leave because they are sick can receive their full pay, up to $511 per day, or $5,110 total.
Leave taken to care for children whose schools or day care facilities have closed is paid at two-thirds the employee's regular rate of pay, with a maximum of $200 per day or $10,000 total.
Employers cannot force you to use up your vacation or other sick time before receiving this benefit.
There is a 10-day waiting period before this benefit applies. Employees can use existing sick or vacation time to cover these days.
Benefits for Employers
Employers receive tax credits for 100 percent of what they pay out to employees, with the above-noted limits.
For employers with 50 or fewer employees, the Secretary of Labor can exempt the business from these requirements.
Employers with fewer than 25 employees do not have to restore employees to their previous positions.
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FederalTo be announcedUnemployment Benefits expansion

Under Take Responsibility for Workers and Families Act
https://appropriations.house.gov/sites/democrats.appropriations.house.gov/files/COVIDSUPP3_xml.pdfThe new bill would wrap in far more workers than are usually eligible for unemployment benefits, including self-employed people and part-time workers. The bottom-line: Those who are unemployed, are partly unemployed or cannot work for a wide variety of coronavirus-related reasons would be more likely to receive benefits. Self-employed and part-time workers would also be eligible for the additional $600 weekly benefit provided by the federal government. Independent contractors and so-called gig workers will be eligible to receive federal aid
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FederalU.S. Small Business Administration (SBA)Economic Injury Disaster Loanshttps://disasterloan.sba.gov/ela/Information/EIDLLoansAvailable to businesses directly affected by the disaster, offer services directly related to the businesses targeted in the emergency declaration, other business indirectly related to the industry that are likely harmed by losses in their community. This will help meet capital needs caused by the declared disaster and help pay financial obligations and operating expeses had the disaster not occured. EIDL does not replace lost revenue, profits or fund expansions. Loans limited to $2m, less business interruption insurance and other recoveries. Requires collateral. Apply online.disastercustomerservice@sba.gov 1-800-659-2955
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LocalCity of Los AngelesLos Angeles City Small Business Emergency Microloan Programhttps://ewddlacity.com/index.php/microloan-programThe newly established Small Business Emergency Microloan Program now provides financing needed to strengthen small business enterprises in this time of acute need that have been affected by the COVID-19 outbreakEmergencyLoans@lacity.org213-744-7130
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LocalCity of OaklandAssistance with Business Taxes, Direct Technical Help for Small Businesses, Call for Data about Small Business Losses to Inform Program Developmenthttps://www.oaklandca.gov/news/2020/city-of-oakland-outlines-small-business-workforce-support-to-mitigate-impacts-of-covid-19The City’s Finance Department will waive late payment penalties for small businesses resulting from failure to file taxes due March 1, 2020 on time due to COVID-19. To apply for a payment plan or to seek waiver of penalties due to COVID-19, please call the customer service line at (510) 238-3704 or email BTwebsupport@oaklandca.gov.

Small businesses can receive direct help from the City’s Business Assistance Center by visiting visit oaklandbusinesscenter.com and completing the online assessment form. Staff in the Business Assistance Center will then work directly with the business to connect them with Oakland’s many business support organizations that offer financial products, technical assistance and other services to help local small businesses sturdy themselves in face of the pandemic.

The City is inviting businesses to submit data about the nature and extent of the revenue losses resulting from COVID-19 via an input form. This data will help inform the grants funds, and help Oakland be prepared to take advantage of forthcoming State and Federal financial programs (see below). We will share additional details as these programs are developed.
Harry Hamiltonhjhamilton@oaklandca.gov510-238-6766
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LocalCity of SacramentoCity Economic Relief Fundhttp://www.cityofsacramento.org/Emergency-Management/COVID19The City of Sacramento has established a $1 million economic relief fund for businesses affected by COVID-19. The fund will provide zero-percent interest loans of up to $25,000 per business.
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LocalCity of San DiegoEconomic Relief for Small Businesseshttps://www.sandiego.gov/mayor/news/releases/mayor-faulconer-outlines-economic-relief-package-san-diego-businesses-affected-covid-19Micro loans for small businesses, tax certificate deferral, commercial utility deferral, extension of all building permits.619-236-5555
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LocalLos Angeles County's Department of Consumer and Business Affairs' Office of Small BusinessDCBA will focus its resources on price gouging investigations, wage enforcement complaint intake, consumer education, and eviction and foreclosure prevention assistance. Our services are available as follows:https://dcba.lacounty.gov/uncategorized/covid-19-update/DCBA will be increasing the capacity of its telephone call center to provide the most efficient service possible. We will respond to each online request within 48 hours.info@dcba.lacounty.gov
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LocalMain Street Launch - San FranciscoCity of San Francisco's Emergeing Business Loan Fundhttps://www.mainstreetlaunch.org/san-francisco-launch/In San Francisco, Main Street Launch operates as San Francisco Launch. Working with the Mayor’s Office of Economic & Workforce Development (OEWD) we will continue to provide capital to businesses through the Emerging Business Loan Fund (EBLF) and other lending programs. In the last 5 years, we have funded over 100 companies, and those businesses have created and sustained nearly 1,000 jobs in San Francisco.

Capital
Small business loans from $10,000 to $250,000.

Main Street Launch is proud to manage the City of San Francisco’s Emerging Business Loan Fund (loans between $50,000 and $250,000). We offer microloans up to $250,000. Contact us to learn more.
Karla De Leonsanfrancisco@mainstreetlaunch.org510-830-3226
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LocalSan Francisco MayorMayor London Breed Announces a Moratorium on Commercial Evictions for Small and Medium-size Businesses in San Franciscohttps://sfmayor.org/article/mayor-london-breed-announces-moratorium-commercial-evictions-small-and-medium-sizeFollowing Governor Newsom’s Executive Order yesterday, San Francisco will put a moratorium on commercial evictions for small businesses that are unable to pay rent as a result of coronavirus impacts
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LocalSan Francisco Office of Economic and Workforce DevelopmentSan Francisco COVID-19 Small Business Resiliency Fundhttps://oewd.org/covid-19-small-business-resiliency-fundSan Francisco has established a fund administered by OEWD to offer emergency grants up to $10,000 for microbusinesses. Businesses must be able to show a recent loss in revenue.Judy LeeinvestSF@sfgov.org
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LocalSan Francisco TreasurerBusiness Taxes and License Feeshttps://sftreasurer.org/covid19Quarterly estimated tax payments of the Gross Receipts Tax, Payroll Expense Tax, Commercial Rents Tax, and Homelessness Gross Receipts Tax that would otherwise be due on April 30, 2020, are waived for taxpayers or combined groups that had combined San Francisco gross receipts in calendar year 2019 of $10,000,000 or less. These quarterly estimated tax liabilities must instead be paid along with annual tax payments for tax year 2020, which will generally be due by March 1, 2021. These bills are typically mailed in late March, but businesses with 2019 gross receipts of $10,000,000 or less will receive a letter instead of a bill.

The due date for license fees otherwise due on March 31, 2020, is extended to June 30, 2020. The license bills have already been mailed. For businesses that have already received them, they will receive and email and letter confirming the due date change by the end of March.  The bills will not be reissued.  
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LocalSanta Clara CountyMoratorium on Utility Disconnectionshttps://www.santaclaraca.gov/i-want-to/stay-informed/newsroom/coronavirus-updates/covid-19-business-resourcesThe City’s Municipal Services Division has implemented a suspension on service disconnections for utility (electric and water) non-payment, for both residential and commercial customers. It will remain in effect until further notice.
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NonprofitAsian, Inc.Small Business Consultinghttps://www.asianinc.org/Existing clients will be able to stay in constant touch with our staff by phone and email.
Clients will be able to submit important documents via a secure link provided only by their Housing Counselor or Business Consultant, and all counseling will be conducted by videoconference only.
Please remember all previous housing workshop attendees have a full year to receive their one-on-one counseling and certification.
*Will also provide bilingual translation (Chinese, English) for small business during loan/grant application process.
Tony Tangttang@asianinc.org415-928-5910 x137
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NonprofitCNSC - Chinese Newcomers Service CenterJob Opportunitieshttps://www.facebook.com/ChineseNewcomers/posts/3051724414892665Job Offers updates: OEWD, Safeway, CPMC
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NonprofitJames Beard FoundationFood and Beverage Industry Relief Fundhttps://www.jamesbeard.org/blog/relief-fund?utm_source=social&utm_medium=instagram&utm_campaign=2020-03-19the Foundation is launching a fund that will be gathering support from corporate, foundation, and individual donors to provide micro-grants to independent food and beverage businesses in need.

*Inquiring about criteria in the application process for the JBF Relief Fund: https://airtable.com/shr4d9x0OwCFCkCLn
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NonprofitKivaZero-Interest Loanshttps://www.kiva.org/blog/support-local-businesses-during-the-coronavirus-pandemicKiva offers zero-interest loans of up to $15,000 to small businesses
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NonprofitOpportunity Fundhttps://www.opportunityfund.orgOpportunity Fund is a US-based nonprofit organization that provides financing to underserved small-business owners.
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NonprofitPacific Communit VenturesSmall Business Resources for COVID-19 https://www.pacificcommunityventures.org/2020/03/16/small-business-resources-for-covid-19/Collection of resources to help small business owners and workers during this crisis. We know that the effects this crisis is having on small businesses can’t be overstated, and we’re here for our community both now and in the coming months as we continue to feel the effects on our small business community.
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NonprofitRestaurant Opportunities Centers Unitedhttps://rocunited.org/stop-the-spread/coronavirus-support/National, state and city resources available to restaurant workers during the COVID-19 pandemic.
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NonprofitSan Francisco FoundationGrants for Non-Profitshttps://sff.org/for-nonprofits-apply-for-a-grant-from-the-sff-covid-19-emergency-response-fund/The San Francisco Foundation will make grants of $3,000 – $25,000 to nonprofits addressing the following four issue areas: racial bias, worker protection, homelessness and renter protection/housing security, and food security
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NonprofitSempra Energy FoundationCOVID-19 Nonprofit Hardship Fundhttps://www.sempraenergyfoundation.org/pages/areas-of-giving/health-and-safety.shtmlwe will provide grants ranging from $500 to $50,000 to small to medium-sized non-profit organizations serving people and families significantly affected by COVID-19.
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NonprofitSouth County Economic Development CouncilEmergency Business Loanshttps://www.southcountyedc.com/emergencybusinessloanprogramSouth County Economic Development Council (South County EDC) is offering a no-interest loan to eating establishments in South County in order to provide some economic relief during these difficult times. This small infusion of funds is intended to assist South County small restaurants to remain open and continue to provide meals during this national emergency. South County EDC will provide a one-time $5,000 no-interest loan with repayment due on April 1, 2021.

* South County refers to Chula Vista, Coronado, Imperial Beach, National City, San Diego, San Diego County, and the Port of San Diego
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NonprofitVenturizehttps://venturize.orgVenturize is a free online resource hub for small business owners who need help accessing tools and resources to grow their businesses. Managed by the nonprofit organization Small Business Majority, Venturize offers unbiased education and resources about small business loans, retirement and healthcare to empower entrepreneurs to make the best financial decisions for their business. We also help small businesses get connected to trusted providers that can help their enterprises grow.
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PrivateAllyBank, Loan, Mortgage Reliefhttps://www.ally.com/coronavirus-responseAlly is waiving all fees related to expedited checks and debit cards, overdrafts and excessive transactions on savings and money market accounts until July 16, 2020.

Auto loan payments can be deferred for up to 120 days. No late fees will be charged, but finance charges will accrue. New auto customers will have the option to defer their first payment for 90 days.

Mortgage payments for existing customers can be deferred for up to 120 days. No late fees will be charged, but interest will accrue.
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PrivateBank of AmericaBank, Loan, Mortgage Reliefhttps://about.bankofamerica.com/promo/assistance/latest-updates-from-bank-of-america-coronavirusFor consumer and small business deposit accounts, clients can request refunds of overdraft, insufficient funds and monthly maintenance fees.

Clients can request to defer payments and refunds of late fees on their small business loans.

On auto loans, personal loans, mortgages and home equity loans, clients can request deferral of payment, with those payments added to the end of the loan. So long as clients are up to date, no negative credit bureau reporting will be made.
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PrivateBBVA USALoan, Fee Waiver, CD Reliefhttps://www.bbvausa.com/special/covid19.htmlIf you were impacted by the coronavirus, please call us at 1-844-222-3862 for loan, line of credit, and credit card payment deferrals or extensions. Agents are available 8AM-6PM CST Monday - Friday.

Waived and refunded ATM fees charged by other banks/ATM networks to use their ATMs. Available upon request.

Penalty-free CD withdrawals, for CDs opened prior to March 1. Available upon request.
844-222-3862
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PrivateCitibankFee Waiver, Loan, Mortgage Reliefhttps://online.citi.com/US/JRS/pands/detail.do?ID=covid19Waivers on monthly service fees, for both regular and small business customers

Waived penalties for early CD withdrawal, for both regular and small business customers

Fee waivers on remote deposit capture for small business customers

Bankers available after hours and on weekends to support small business customers

Some credit card customers may be eligible for credit line increases and collection forbearance programs.

Some mortgage customers may be eligible for a hardship program through Cenlar FSB, the bank’s service provider. For assistance, call Cenlar FSB at 855-839-6253 (Mon–Fri, 8:30 a.m.–8 p.m. ET or Sat, 8:30 a.m.–5 p.m. ET).
855-839-6253 (Mortgage)
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PrivateFacebookFacebook Small Business Grants Programhttps://www.facebook.com/business/boost/grantWe know that your business may be experiencing disruptions resulting from the global outbreak of COVID-19. We’ve heard that a little financial support can go a long way, so we are offering $100M in cash grants and ad credits to help during this challenging time. We’ll begin taking applications in the coming weeks. In the meantime, you can sign up to receive more information when it becomes available.
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PrivateFannie MaeAssistance Options for Homeowners Impacted by COVID-19https://www.fanniemae.com/portal/media/corporate-news/2020/covid-homeowner-assistance-options-7000.htmlWASHINGTON, DC -- Fannie Mae (FNMA/OTCQB) wants to help ensure families are given options in these uncertain times in the case of job loss, a reductino in work hours, illness, or other issues. We want to remind those impacted by COVID-19 of available mortgage assistance and relief options.
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PrivateFifth Third BankFee Waiver, Loan, Repossessions/Foreclosures, Mortgage Reliefhttps://www.53.com/content/fifth-third/en/alerts/covid-support.htmlVehicle Payment Waiver Program: Payment deferred for up to 90 days and no late fees during the deferral period.

Consumer Credit Card Payment Waiver: We are offering to waive the monthly payment requirement on Consumer Credit Cards for up to 90 days with no late fees.

Mortgage and Home Equity Program: 90-day payment forbearance with no late fees.

Vehicle Repossessions: Suspension of all repossession activity on vehicles for the next 60 days.

Foreclosures: Suspension of all foreclosure activity on homes for the next 60 days.

Consumer Fee Waiver Program: Fee waivers for up to 90 days for a range of consumer products and services.

Business Banking Fee Waiver Program: We will refund select fees for 90 days for Business Banking deposit accounts and services. Please contact 877-534-2264 or your banker for details.

Business Banking Payment Deferral Program: We are offering a payment deferral program for up to 90 days, no late fees and a range of loan modification options. We are deferring all note processing fees for new Fifth Third Fast Capital loans for six months.
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PrivateFreddie MacEnhanced Relief for Borrowers Impacted by COVID-19https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-announces-enhanced-relief-borrowers-impacted-covid?_ga=2.258750602.1079299601.1584729516-1460887663.1583173232MCLEAN, Va., March 18, 2020 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today announced it is taking numerous actions to protect those affected, either directly or indirectly, by the novel coronavirus, known as COVID-19. Specifically, for its Single-Family business, the company announced a nationwide suspension of all foreclosure sales and evictions of borrowers living in homes owned by the company. It also announced a variety of additional mortgage relief options, including an expansion of its forbearance program, to incorporate additional impacted borrowers. The company also reminded Servicers of its exisiting suite of mortgage relief options to assist borrowers, while also making additional disaster related loan modifications availble.

These measures are effective immediately and apply to borrowers who are unable to make their mortgage payments due to a decline in income resulting from the impact of COVID-19, regardless of whether they have contracted the virus.
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PrivateGoogleRemote Work Assistancehttps://grow.google/remotework/

https://smallbusiness.withgoogle.com/
Free tools and resources to keep employees, educators, and students connected and productive.

- A $200 million investment fund that will support NGOs and financial institutions around the world to help provide small businesses with access to capital.
- $340 million in Google Ads credits available to all SMBs with active accounts over the past year.
- Providing $20 million in ad grants to community financial institutions and NGOs specifically to run public service announcements on relief funds and other resources for SMBs.

For more information, please visit https://blog.google/inside-google/company-announcements/commitment-support-small-businesses-and-crisis-response-covid-19
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PrivateHanson Bridgetthttps://www.hansonbridgett.com/covid-19/coronavirus.htmlResources for Cannabis Industry, Construction, Corporate, Employee Benefits, Insurance Recovery, Labor & Employment, Land Use, Real Estate, Senior Housing and Care, and Tax Law in facing the COVID-19 pandemic
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PrivateHuntingtonPayment Deferral, Loan, Repossessions/Foreclosures, Fee Waiverhttps://www.huntington.com/coronavirusSmall Business Payment Deferral Program.If your small business is experiencing a hardship related to family sickness or workplace closures due to COVID-19 and you contact Huntington, we will offer a payment deferral for up to 90-days with no credit bureau impact. Please contact your business banker or the Business Customer Phone Bank (800) 480-2001 Monday through Friday 7:30 a.m. to 7:00 p.m. and Saturdays 8:00 a.m. to 5:00 p.m. ET.

Late Fees on Banking Business Loan Suspension Program. Beginning in March 2020, Huntington will suspend charging late fees on business loan payments. This suspension is effective through the end of March 2020 and we will continue to evaluate with considerations to extend this program.

Small Business Economic Injury Disaster. We are working directly with the Governor’s offices to facilitate a disaster declaration from the SBA for businesses to be eligible for Economic Injury Disaster loans.

Suspension of Foreclosure Program. Beginning March 17, 2020

Repossession Halt Program. Beginning March 17, 2020

Late Fees on Consumer Loan Suspension Program

Consumer Payment Deferral Program
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PrivateIFundWomenhttps://ifundwomen.comIFundWomen is a stratup funding platform providing access to capital through crowdfunding and grants, expert business coaching on all the topics entrepreneurs need to know about, and a network of women business owners that sparks confidence, accelterates knowledge, and ignites action.
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PrivateLendistryhttps://lendistry.comOur story began in 2015 with a mission to make small business accessible to everyone. We saw promising small business owners in undeserved communities struggle to get approved for the funding. They needed to grow, and decided to become the solution. We discovered it was possible to offer the latest fintech with a quick, online application process and also connect with our applicants in a real way, learn their stories, and make their dreams a reality. Our TEAM leaders have prior experience at banking and corporate institutions including Bank of America, Chase, CIT, Comerica, Disney, Intuit, Morgan Stanley, Securities & Exchange Commission and Wells Fargo, providing our company with a solid foundation of responsible credit culture. Lendistry offers small business term loans and lines of credit with responsible rates, transparent terms and fast delivery. Some of our clients have used our small business loans for equipment, opening an additional location, meeting inventory needs for large orders, marketing to reach a broader base of customers, adding online sales to their brick-and-mortar stores, implementing technology to stay ahead of the competition, and covering the day-to-day costs of business.
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PrivateMarcus by Goldman SachsLoan, CD Reliefhttps://www.marcus.com/us/en/media/blogs/info-on-covid19As a Marcus loans customer, if you have been impacted by COVID-19, we can offer help via our customer assistance program, which allows you to postpone making a payment on your loan for one month. There will be no interest charged during the deferral and your loan term will be extended by one month.

If you have a high-yield CD with Marcus and need access to your funds, we will waive the early withdrawal penalty should you need to withdraw funds from your account prior to maturity. In the meantime, your CD account will continue to accrue interest as scheduled.
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PrivatePNC BankFee Waiver, Loan, Repossessions/Foreclosures/eviction Reliefhttps://www.pnc.com/en/customer-service/coronavirus-update.htmlYou may be able to postpone payments for up to 90 days with no late fees during the postponement period if you have one of the following products:
Auto Loan, Unsecured Installment Loan, Credit Card, Unsecured Line of Credit, Mortgage, Home Equity Loan or Home Equity Line of Credit.

For Student Loans, you may be able to postpone payments for up to 90 days with no late fees during the postponement period. We also have loan modification options available for those who qualify. Please go to www.aessuccess.org and select Trouble Paying at the top of the browser to request assistance.

For Small Business Lending Products, we are providing a range of modification options with no late fee.

We have also temporarily suspended foreclosure sales, repossession, and eviction activities.
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PrivateSantanderCD Reliefhttps://www.santanderbank.com/us/coronavirusupdatesIn times like this we want to assist our customers to provide relief from hardships including customers having difficulties with loan payments and those needing to make early CD withdrawals. If you’re impacted by the coronavirus please contact us at (844) 728 0999 for assistance. We will continue to monitor the situation and provide updates as needed.844-728-0999
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PrivateTruistloan, mortgage, Fee Waiver, Cashback Reliefhttps://www.truist.com/coronavirus-informationProviding payment relief assistance for clients with mortgage loans, consumer loans, personal credit cards, business credit cards and business loans.

Temporarily waiving ATM surcharge fees to help consumers and businesses access cash with greater confidence

Providing 5% cashback when BB&T and SunTrust consumer credit card holders use their credit card for qualifying purchases at grocery stores and pharmacies through April 15, 2020
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PrivateU.S. BankLoanhttps://www.usbank.com/splash/covid-19.htmlOur U.S. Bank Visa Business Platinum Card has a 0% introductory APR6 on purchases and balance transfers for 20 billing cycles, and thereafter a variable rate, currently 9.99% to 17.99%.

Quick Loan (general business purpose): $5,000 to $250,000 with terms from 12 to 84 months at an interest rate 2% lower than the standard rate for which the business would qualify.

Cash Flow Manager (secured & unsecured): An on-demand line of credit of $10,000 to $250,000 at an interest rate 1% lower than the standard rate for which the business would qualify.
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PrivateWells FargoRepossessions/Foreclosures/Eviction, Fee Waiver, mortgage Reliefhttps://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-announces-aid-customers-and-communities-impactedWells Fargo is suspending residential property foreclosure sales, evictions and involuntary automobile repossessions. The company also is offering fee waivers, payment deferrals and other expanded assistance for credit card, auto, mortgage, small business and personal lending customers who contact the company
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PrivateYelpYelp Advertising assistancehttps://blog.yelp.com/2020/03/coronavirus-relief-for-restaurants-and-bars?utm_source=news_blog&utm_medium=yelp_blogRelief for restaurants and bars with Yelp Ads campaigns
We are waiving charges for your Yelp Ads delivered in the second half of March. This waiving of ad charges will happen automatically—you don’t need to do anything to get this relief
If you offer delivery or takeout, we will set up a $100 Yelp Ads campaign free of charge for the period of April 1-30, 2020. This $100 ad campaign will run automatically for any restaurant that has indicated on their Yelp Page that they offer delivery or take-out (or both) as of 11:59 p.m. PDT on March 31, 2020
For restaurant and nightlife businesses not already using Business Highlights, Call to Action, or Yelp Connect, these features will be offered free of charge through April 30, 2020. No credit card is required to get these free features

Relief for restaurants currently using—or interested in—Yelp Reservations and Yelp Waitlist
If you haven’t been invoiced for March yet, you won’t be charged for the months of March, April, and May. If you have already been invoiced for March, you won’t be charged for the months of April, May, and June. This will happen automatically—you don’t need to do anything.
If you haven’t already tried Yelp Reservations and/or Yelp Waitlist, we’re offering it free for up to three months. Call (844) 889-1617 to sign up.

844-889-1617 (Yelp Reservation and Waitlist)
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StateAmerican Institute of Certified Public Accountants (AICPA)State Tax Filing Guidance for Coronavirus Pandemichttps://www.forbes.com/sites/advisor/2020/03/12/list-of-banks-offering-relief-to-customers-affected-by-coronavirus/#4ccdce2b3ee3States are providing tax filing relief for individuals and businesses. The AICPA created a document summarizing the lastest developments on state tax filings related to the coronavirus.
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StateCalifornia Department of Tax and Fee AdministrationCDTFA Tax Filing Extensionhttps://www.cdtfa.ca.gov/services/covid19.htmOn March 12, 2020, Governor Newson issued an Executive Order in response to the COVID-19 State of Emergency. Pursuant to this Executive Order, through May 11th, the CDTFA has the authority to assist individuals and businesses impacted by complying with a state or local public health official's imposition or recommendation of social distancing measures related to COVID-19. This assistance includes granting extensions for filing returns and making payments, relief from interest and penalties, and filing a claim for refund.800-400-7115
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StateCalifornia Public Utilities CommissionCOVID-19 Utility Consumer Protectionshttps://www.cpuc.ca.gov/covid19protections/List of consumer protection provisions enacted in response to the COVID-19 outbreak in California. This list covers both Investor Owned Utilities (IOUs), which are regulated by the California Public Utilities Commission (CPUC), and Publicly Owned Utilities (POUs).
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StateCalifornia Small Business Development Center (SBDC)https://www.californiasbdc.org/covid19As concerns continue about coronavirus (COVID-19), we can help you navigate available resources, answer your business questions and be a trusted partner for your business. Despite the impact of COVID-19, rest assured the SBDC is here to help and we value the privilege to be of service.
Our business advisors are here to help answer your questions, apply for business resources and plan during a disruption. We can help with applying for relief, guiding you through available resources, cash flow concerns, supply chain interruptions, workforce capacity, insurace coverage and more - at no cost.
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StateEmployment Development DepartmentEDD Tax Filing Extensionhttps://www.edd.ca.gov/about_edd/coronavirus-2019.htmEmployers experiencing a hardship as a result of COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit state payroll taxes without penalty or interest. A written request for extension must be received within 60 days from the original delinquent date of the payment or return.888-745-3886
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StateEmployment Development DepartmentUnemployment Insurance Benefitshttps://www.edd.ca.gov/about_edd/coronavirus-2019/faqs.htmCalifornia's Employment Development Department (EDD) provides a variety of support services to individuals affected by COVID-19 in California888-745-3886
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StateEmployment Development DepartmentRapid Response Services for Businesseshttps://www.edd.ca.gov/pdf_pub_ctr/de8714rrb.pdfPotential Business Closure and Layoffs
Employers planning a closure or major layoffs as a result of the coronavirus can get help through the Rapid Response program. Rapid Response teams will meet with you to discuss your needs, help avert potential layoffs, and provide immediate on-site services to assist workers facing job losses.
888-745-3886
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StateFranchise Tax BoardState Income Tax Deadline Extendedhttps://www.ftb.ca.gov/about-ftb/newsroom/news-releases/2020-3-state-postpones-tax-deadlines-until-july-15-due-to-the-covid-19-pandemic.htmlFTB is postponing until July 15 the filing and payment deadlines for all individuals and business entities for: 2019 tax returns, 2019 tax return payments, 2020 1st and 2nd quarter estimate payments, 2020 LLC taxes and fees, 2020 Non-wage withholding payments

Taxpayers who experience any difficulty in filing or paying, as a result of COVID-19, are included in this relief. Taxpayers do not need to claim any special treatment or call FTB to qualify for this relief.

Taxpayers claiming the special COVID-19 relief should write the name of the state of emergency (for example, COVID-19) in black ink at the top of the tax return to alert FTB of the special extension period. If taxpayers are e-filing, they should follow the software instructions to enter disaster information.
800-852-5711
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StateGovernor’s Office of Business and Economic DevelopmentCompiled Information Relating to COVID-19https://business.ca.gov/coronavirus-2019/Stay Home Except for Essential Needs,
Financial and Technical Assistance for Small Business,
Labor and Workforce Support for Businesses and Employees,
Business Taxes,
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StateGovernor’s Office of Business and Economic DevelopmentSmall Business Support Centers – Mapwww.business.ca.gov/sbresourcesmapSmall Business Support Centers – Map
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StateIBankSmall Business Finance Centerhttps://www.ibank.ca.gov/small-business-finance-center/The Small Business Finance Center (SBFC) partners with Financial Development Corporations to provide loan guarantees and direct loans for small businesses that experience capital access barriers.Emily BurgosSBFC@ibank.ca.gov
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StateLabor and Workforce Development AgencyCoronavirus 2019 (COVID-19) Resources for Employers and Workershttps://www.labor.ca.gov/coronavirus2019/In the face of the coronavirus, the Labor & Workforce Development Agency (LWDA) wants to keep workers, employers, co-workers, and families safe. What employees are entitled to may be confusing. We are trying to make it easier and spread awareness through this centralized source of info. Use the guidance below to determine what is best for you, your family, and your workplace.email@labor.ca.gov
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StateOffice of the Attorney GeneralAnti-Price Gouging Guidance for Online Marketplace Platforms and Consumershttps://oag.ca.gov/news/press-releases/attorney-general-becerra-calls-online-marketplaces-their-game-combat-covid-19Anti-COVID-19-related price gouging guidance for online marketplace platforms and consumers.
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StateOffice of the Small Business Advocatehttps://static.business.ca.gov/wp-content/uploads/2019/12/2019-TA-Providers-Guide.pdfResources for small businesses are available through the Office of the Small Business Advocate. OSBA has a network of small business centers throughout the state to offer consulting and training and access to capital.
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StateState Treasurer's OfficeCalifornia Capital Access Program (CalCAP)https://www.treasurer.ca.gov/cpcfa/calcap/sb/index.aspThe California Capital Access Program for Small Business (CalCAP SB or Program) encourages banks and other financial institutions to make loans to small businesses that have difficulty obtaining financing. If you own a small business and need a loan for start-up, expansion or working capital, you may receive more favorable loan terms from a lender if your loan is enrolled in the CalCAP Loan Loss Reserve Program. This program helps communities by providing financing to businesses that create jobs and improve the economy.

CalCAP is a loan loss reserve program which may provide up to 100% coverage on losses as a result of certain loan defaults. With CalCAP portfolio support, a lender may be more comfortable underwriting small business loans.
Janae Davisj.davis@sto.ca.gov
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StateThe California Film CommissionFilm & TV Tax Credit Program 3.0http://film.ca.gov/tax-credit/program-3-0/The California Film Commission will allocate $330 million per year from July 2020 through June 2025 as part of an extended Program 3.0 Film and TV Tax Credit Program.
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Federal Small Business Administration (SBA)Coronavirus Aid, Relief, and Economic Security Act (CARES Act)https://www.uschamber.com/co/start/strategy/cares-act-small-business-guideWith a massive $2 trillion allocated for businesses, individuals, federal agencies, and state and local governments, the CARES Act has been designed to distribute capital quickly and broadly. There are a number of provisions that impact small businesses.
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NonprofitBay Area Workers Support (BAWS)Sex Worker ER Grant Fundhttps://bayareaworkerssupport.org/grantsBAWS is re-introducing one of our community care structures by offering emergency grants for sex workers experiencing hardships during COVID-19. We are able to give small grants of $50 - $200. If you have a larger expense or ongoing needs we will gladly promote your crowdfunding campaign on our social media, or help you set one up.bawsgrants@gamil.com
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PrivateUntitled, ArtUntitled, Art Emergency Awardhttps://docs.google.com/document/d/e/2PACX-1vT-SQ2GcGX4gGduGz29HuK6FgzYiCj586nd1PkrWMIj97meycTIRyQZAAX7mgmeJHHgTdl3MgeP2239/pubThe Art Report and Untitled, Art have expanded the qualifications for the Untitled, Art Emergency Award to include financial assistance for freelance, hourly, and wage working artists vulnerable to the economic standstill.
Our team will distribute funds of $250 per member of household in an effort to support the security and protection of our city's artists who, in "normal times" hold part-time or contract work to prioritize their art practice. Funds support basic human needs such as mental health counseling, healthcare reimbursements not covered by insurance, childcare, food, or rent, for example.
The first round of applications is due on March 31 and will continue quarterly until further notice. Emergency funding is generously supported by our partner Untitled, Art. Artist must have graduated from a Bay Area institution or have lived in the Bay Area for two years as a working artist
info@andartand.orgwith
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NonprofitLawyer’s Committee for Civil RightsCommercial Lease Assistancehttps://lccr.com/get-help/economic-justice-legal-services-for-entrepreneurs-lse/lse-application-english/The City partners with the Lawyer's Committee for Civil Rights to help SF small businesses (“mom and pop shops”) at risk of displacement with lease review and negotiation and related services.
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PrivateTheatre Bay AreaPerforming Arts Worker Relief Fundhttps://www.theatrebayarea.org/page/COVID-19relief-fundThe COVID-19: Performing Arts Worker Relief Fund is a resource for performing arts workers who are facing a loss of income due to the ongoing COVID-19 crisis. “Performing arts workers” includes all aspects of the performing arts including actors, administrators, box office/event staff, carpenters, dancers, designers, directors, dramaturgs, musicians, playwrights, production staff, singers, teaching artists, technicians, etc. Any resident of the San Francisco Bay Area who has worked professionally or vocationally in local performing arts, who has been an active participant in the arts community (those whose life’s work is the performing arts, regardless of the income derived from work in the performing arts) and has experienced a loss of income due to COVID-19 because of: cancelled performance/s, loss of performing arts work, loss of supplemental income/job.
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LocalCity of Hayward Economic Development DivisionHayward COVID-19 Small Business Resiliency Grant Programhttps://www.hayward-ca.gov/your-government/programs/hayward-covid-19-small-business-resiliency-grant-programIn an effort to support small businesses and restaurants disrupted by COVID -19, the City of Hayward Economic Development Division developed a Business Resiliency Grant Program to provide funding to support operations and layoff aversion.
Eligibility - All businesses with 25 or fewer employees and all independently owned restaurant businesses regardless of employee count.

Grant Award Amount - $5,000.00. The award is a grant and is not required to be paid back. Dollars can be used for any aspect of the business.
econdev@hayward-ca.gov(510) 583 -5540
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