|If you would like to filter or sort the resource list, please go to FILE→ MAKE A COPY → OKAY or FILE→ DOWNLOAD → MICROSOFT EXCEL to download an editable copy. |
Please note this copy will not reflect updates made after you download it.
|California State Treasurer Fiona Ma's Small Business Resource List|
Last updated: 4/6/2020
|Agency||Program Name||Website||Program Summary||Contact Person||Contact Email||Phone Number|
|Federal||Center for Disease Control and Prevention (CDC)||Interim Guidance for Businesses and Employers: Plan, Prepare and Respond to Coronavirus Disease 2019||https://www.cdc.gov/coronavirus/2019-ncov/community/guidance-business-response.html||This 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.|
|Federal||Federal Emergency Management Agency (FEMA)||www.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:|
|Federal||Internal Revenue Service (IRS)||Economic Impact Payment||https://www.irs.gov/newsroom/economic-impact-payments-what-you-need-to-know||Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible.
Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples. Parents also receive $500 for each qualifying child.
|Federal||Internal Revenue Service (IRS)||Federal Income Tax Extension||https://www.irs.gov/newsroom/tax-day-now-july-15-treasury-irs-extend-filing-deadline-and-federal-tax-payments-regardless-of-amount-owed||The 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.
|Federal||U.S. Small Business Administration (SBA)||Economic Injury Disaster Loans for Small Businesses and Nonprofits||https://disasterloan.sba.gov/ela||The 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.
The deadline to apply for an Economic Injury Disaster Loan is Dec. 16, 2020.
|Federal||U.S. Department of Labor (DOL)||Families First Coronavirus Response Act: Employee Paid Leave Rights||https://www.dol.gov/agencies/whd/pandemic/ffcra-employee-paid-leave||The Families First Coronavirus Response Act (FFCRA or Act) requires certain employers to provide employees with paid sick leave or expanded family and medical leave for specified reasons related to COVID-19. The Department of Labor’s (Department) Wage and Hour Division (WHD) administers and enforces the new law’s paid leave requirements. These provisions will apply from the effective date through December 31, 2020.|
|Federal||U.S. Small Business Administration (SBA)||Payroll Protection Program||https://venturize.org/resources/payroll-protection-program||The CARES Act includes $350 billion for federally guaranteed loans for small businesses, sole proprietors, self-employed individuals and independent contractors affected by the COVID-19 crisis. These loans can be forgiven if the proceeds are spent on payroll, benefits, mortgage interest, rent and utilities. According to the latest guidance from the Treasury Department, 75% of the loan proceeds should be spent on payroll costs, as defined below. |
Small employers with 500 employees or fewer;
Other business concerns that meet the current Small Business Administration (SBA) size standards;
Sole proprietors, self-employed individuals and contractors;
Certain nonprofits, including 501(c)(3) organizations and 501(c)(19) veteran organizations, and tribal businesses with under 500 employees.
Businesses in the accommodation and food service industries can apply on a per location basis if they have 500 employees or fewer per location.
When can I apply?
For businesses with employees and sole proprietors: April 3
For self-employed individuals and independent contractors: April 10
|Federal||U.S. Small Business Administration (SBA)||Economic Injury Disaster Loans||https://disasterloan.sba.gov/ela/Information/EIDLLoans||Available 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 email@example.com||1-800-659-2955|
|Federal||U.S. Department of Treasury||Small Business Asistance||https://home.treasury.gov/policy-issues/top-priorities/cares-act/assistance-for-small-businesses?mkt_tok=eyJpIjoiTlRGaU5qbGpNR1ZtWlRFeCIsInQiOiIwYnhnanFcL2N2MTRZWjRPdHhySFpiWWZrMm5RNXdUcUVNdnY1b0F1SHpHekROS29HNU56cjVhVXFjUHdnQ3hBbVN4dGUxT25EUWtCVWx6b1RhSXdZWXF1ZFpVM05PbGFKR0Vxd0p2MCtTTjdENU1EVTFBZXppXC9tdU0yekVua3ZtIn0%3D||The Paycheck Protection Program prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses.
Small businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards.
|Federal||U.S. Small Business Administration (SBA)||Coronavirus Aid, Relief, and Economic Security Act (CARES Act)||https://www.sbc.senate.gov/public/_cache/files/9/7/97ac840c-28b7-4e49-b872-d30a995d8dae/F2CF1DD78E6D6C8C8C3BF58C6D1DDB2B.small-business-owner-s-guide-to-the-cares-act-final-.pdf ||The programs and initiatives in the Coronavirus Aid, Relief, and Economic Security (CARES) Act that was just passed by Congress are intended to assist business owners with whatever needs they have right now. When implemented, there will|
be many new resources available for small businesses, as well as certain nonprofits and other employers. This guide provides information about the major programs and initiatives that will soon be available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of SBA.
To keep up to date on when these programs become available, please stay in contact with your local Small Business Administration (SBA) District Office.
|Local||City of Los Angeles||Los Angeles City Small Business Emergency Microloan Program||https://ewddlacity.com/index.php/microloan-program||The 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 outbreak||EmergencyLoans@lacity.org||213-744-7130|
|Local||City of Oakland||Assistance with Business Taxes, Direct Technical Help for Small Businesses, Call for Data about Small Business Losses to Inform Program Development||https://www.oaklandca.gov/news/2020/city-of-oakland-outlines-small-business-workforce-support-to-mitigate-impacts-of-covid-19||The 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.
|Local||City of Sacramento||City Economic Relief Fund||http://www.cityofsacramento.org/Emergency-Management/COVID19||The 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.|
|Local||City of San Diego||Economic Relief for Small Businesses||https://www.sandiego.gov/mayor/news/releases/mayor-faulconer-outlines-economic-relief-package-san-diego-businesses-affected-covid-19||Micro loans for small businesses, tax certificate deferral, commercial utility deferral, extension of all building permits.||619-236-5555|
|Local||County of Los Angeles Department of Consumer and Business Affairs Office (DCBA)||COVID-19: Service Update from DCBA
||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 firstname.lastname@example.org|
|Local||County of Los Angeles Department of Consumer and Business Affairs Office (DCBA)||LA County Business and Worker Disaster Help Center||https://lacountyhelpcenter.org/||LA County Business and Worker Disaster Help Center helps businesses and workers connect with available email@example.com||833-238-4450|
|Local||Main Street Launch - San Francisco||City of San Francisco's Emergeing Business Loan Fund||https://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.|
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 Leonfirstname.lastname@example.org||510-830-3226|
|Local||San Francisco Mayor||Mayor London Breed Announces a Moratorium on Commercial Evictions for Small and Medium-size Businesses in San Francisco||https://sfmayor.org/article/mayor-london-breed-announces-moratorium-commercial-evictions-small-and-medium-size||Following 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|
|Local||San Francisco Office of Economic and Workforce Development||San Francisco COVID-19 Small Business Resiliency Fund||https://oewd.org/covid-19-small-business-resiliency-fund||San 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 Lee||investSF@sfgov.org|
|Local||San Francisco Treasurer||Business Taxes and License Fees||https://sftreasurer.org/covid19||Quarterly 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.
|Local||County of Santa Clara||Moratorium on Utility Disconnections||https://www.santaclaraca.gov/i-want-to/stay-informed/newsroom/coronavirus-updates/covid-19-business-resources||The 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.|
|Local||City of Hayward Economic Development Division||Hayward COVID-19 Small Business Resiliency Grant Program||https://www.hayward-ca.gov/your-government/programs/hayward-covid-19-small-business-resiliency-grant-program||In 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.
|email@example.com||(510) 583 -5540|
|Local||LAEDC’s Business Assistance||LAEDC Layoff Aversion Program||https://laedc.org/layoff-aversion-program-city/||This program is performed through the "Layoff Aversion" contract with the City of Los Angeles, a public service to help businesses retain jobs and succeed. Resources for financing, tax credits, transition of ownership, real estate issues, permitting, utility problems, tax problems, staff training, and cost firstname.lastname@example.org|
|Local||City of Berkeley||Berkeley Relief Fund||https://berkeleyrelieffund.org/||Berkeley City Council has approved $3 million for emergency relief grants to small businesses, nonprofit arts organizations, and residential tenants, that are hardest hit by the COVID-19 email@example.com|
|Nonprofit||Asian, Inc.||Small Business Consulting||https://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 Tangfirstname.lastname@example.org||415-928-5910 x137|
|Nonprofit||CNSC - Chinese Newcomers Service Center||Job Opportunities||https://www.facebook.com/ChineseNewcomers/posts/3051724414892665||Job Offers updates: OEWD, Safeway, CPMC|
|Nonprofit||James Beard Foundation||Food and Beverage Industry Relief Fund||https://www.jamesbeard.org/blog/relief-fund?utm_source=social&utm_medium=instagram&utm_campaign=2020-03-19||the 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
|Nonprofit||Kiva||Zero-Interest Loans||https://www.kiva.org/blog/support-local-businesses-during-the-coronavirus-pandemic||Kiva offers zero-interest loans of up to $15,000 to small businesses|
|Nonprofit||Opportunity Fund||https://www.opportunityfund.org||Opportunity Fund is a US-based nonprofit organization that provides financing to underserved small-business owners.|
|Nonprofit||Pacific Communit Ventures||Small 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.|
|Nonprofit||Restaurant Opportunities Centers United||https://rocunited.org/stop-the-spread/coronavirus-support/||National, state and city resources available to restaurant workers during the COVID-19 pandemic.|
|Nonprofit||San Francisco Foundation||Grants for Non-Profits||https://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|
|Nonprofit||Sempra Energy Foundation||COVID-19 Nonprofit Hardship Fund||https://www.sempraenergyfoundation.org/pages/areas-of-giving/health-and-safety.shtml||we 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.|
|Nonprofit||South County Economic Development Council||Emergency Business Loans||https://www.southcountyedc.com/emergencybusinessloanprogram||South 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
|Nonprofit||Venturize||https://venturize.org||Venturize 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.|
|Nonprofit||Bay Area Workers Support (BAWS)||Sex Worker ER Grant Fund||https://bayareaworkerssupport.org/grants||BAWS 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 email@example.com|
|Nonprofit||Lawyer’s Committee for Civil Rights||Commercial Lease Assistance||https://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.|
|Nonprofit||Small Business Majority||Small Business Majority - California||https://smallbusinessmajority.org/states/california||From offices in the San Francisco Bay Area, Sacramento and Los Angeles, Small Business Majority works closely with state policymakers and small business owners to address the most important issues impacting California's entrepreneurs today—access to responsible capital, healthcare reform, retirement, workplace benefits and more. We work with a robust network of California small business owners to offer their unique perspectives to state lawmakers, the media and other stakeholders. To supplement our outreach in the small business community, we conduct opinion and economic research and develop policy analysis of state and national legislation that affects California's small employers. Together, these efforts shape the policy recommendations we make on behalf of small business.
Bianca Blomquist (Northern California) firstname.lastname@example.org
Joi Eubanks(Central California) email@example.com
Claudia Moreno (Southern California) firstname.lastname@example.org
|Private||Ally||Bank, Loan, Mortgage Relief||https://www.ally.com/coronavirus-response||Ally 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.
|Private||Bank of America||Bank, Loan, Mortgage Relief||https://about.bankofamerica.com/promo/assistance/latest-updates-from-bank-of-america-coronavirus||For 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.
|Private||BBVA USA||Loan, Fee Waiver, CD Relief||https://www.bbvausa.com/special/covid19.html||If 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.
|Private||Citibank||Fee Waiver, Loan, Mortgage Relief||https://online.citi.com/US/JRS/pands/detail.do?ID=covid19||Waivers 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).
|Private||Facebook Small Business Grants Program||https://www.facebook.com/business/boost/grant||We 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.|
|Private||Fannie Mae||Assistance Options for Homeowners Impacted by COVID-19||https://www.fanniemae.com/portal/media/corporate-news/2020/covid-homeowner-assistance-options-7000.html||WASHINGTON, 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.|
|Private||Fifth Third Bank||Fee Waiver, Loan, Repossessions/Foreclosures, Mortgage Relief||https://www.53.com/content/fifth-third/en/alerts/covid-support.html||Vehicle 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.
|Private||Freddie Mac||Enhanced Relief for Borrowers Impacted by COVID-19||https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-announces-enhanced-relief-borrowers-impacted-covid?_ga=2.258750602.1079299601.1584729516-1460887663.1583173232||MCLEAN, 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.
|Private||Remote Work Assistance||https://grow.google/remotework/|
|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
|Private||Hanson Bridgett||https://www.hansonbridgett.com/covid-19/coronavirus.html||Resources 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|
|Private||Huntington||Payment Deferral, Loan, Repossessions/Foreclosures, Fee Waiver||https://www.huntington.com/coronavirus||Small 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
|Private||IFundWomen||https://ifundwomen.com||IFundWomen 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.|
|Private||Lendistry||https://lendistry.com||Our 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.|
|Private||Marcus by Goldman Sachs||Loan, CD Relief||https://www.marcus.com/us/en/media/blogs/info-on-covid19||As 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.
|Private||PNC Bank||Fee Waiver, Loan, Repossessions/Foreclosures/eviction Relief||https://www.pnc.com/en/customer-service/coronavirus-update.html||You 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.
|Private||Santander||CD Relief||https://www.santanderbank.com/us/coronavirusupdates||In 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|
|Private||Truist||loan, mortgage, Fee Waiver, Cashback Relief||https://www.truist.com/coronavirus-information||Providing 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
|Private||U.S. Bank||Loan||https://www.usbank.com/splash/covid-19.html||Our 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.
|Private||Wells Fargo||Repossessions/Foreclosures/Eviction, Fee Waiver, mortgage Relief||https://newsroom.wf.com/press-release/corporate-and-financial/wells-fargo-announces-aid-customers-and-communities-impacted||Wells 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|
|Private||Yelp||Yelp Advertising assistance||https://blog.yelp.com/2020/03/coronavirus-relief-for-restaurants-and-bars?utm_source=news_blog&utm_medium=yelp_blog||Relief 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)|
|Private||Untitled, Art||Untitled, Art Emergency Award||https://docs.google.com/document/d/e/2PACX-1vT-SQ2GcGX4gGduGz29HuK6FgzYiCj586nd1PkrWMIj97meycTIRyQZAAX7mgmeJHHgTdl3MgeP2239/pub||The 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
|Private||Theatre Bay Area||Performing Arts Worker Relief Fund||https://www.theatrebayarea.org/page/COVID-19relief-fund||The 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.|
|State||Cal/OSHA||Cal/OSHA Guidance on Requirements to Protect Workers from Coronavirus||https://www.dir.ca.gov/dosh/coronavirus/Health-Care-General-Industry.html||Workplace 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.|
|State||California Society of CPAs||State Tax Filing Guidance for Coronavirus Pandemic||https://www.calcpa.org/sitecore/content/Sites/Public/home/news-and-resources/coronavirus2?utm_source=ESP&utm_medium=email&utm_campaign=calcpa%2Deducation%2Dfoundation&_zs=BDSuf1&_zl=NF3d6||As the news surrounding COVID-19 changes daily, CalCPA is monitoring developments and taking any necessary precautions to ensure the safety of staff, members and customers. Part of those efforts includes launching this webpage, which includes coronavirus information; resource links for our members, partners and the public; and any CalCPA updates to our in-person events. Keep this page bookmarked for reference, as we’ll be updating as new information is available.|
|State||California Department of Tax and Fee Administration||CDTFA Tax Filing Extension||https://www.cdtfa.ca.gov/services/covid19.htm||Effective March 30, 2020 all taxpayers who file a return less than $1 Million dollars will have an additional 3 months to file their return, between now and July 31, 2020. The extension is automatic for those that qualify. |
Individuals and businesses that have a tax liability of $1 million or more may still request an extension if they are unable to file and pay timely. These requests will be evaluated on a case by case basis.
|State||California Department of Tax and Fee Administration||CDTFA Claim for Refund Filing Extension||https://www.cdtfa.ca.gov/services/covid19.htm||The time to file a claim for refund is extended by 60 days for individuals and businesses that are unable to file a timely claim for refund as a result of COVID-19.||800-400-7115|
|State||California Department of Tax and Fee Administration||CDTFA Tax Appeal Filing Extension||https://www.cdtfa.ca.gov/services/covid19.htm||Through July 31, 2020, the time to request a tax appeal is extended by 60 days for individuals and businesses that are unable to request an appeal as a result of COVID-19.||800-400-7115|
|State||California Department of Tax and Fee Administration||Small Business Relief Payment Plans||https://www.cdtfa.ca.gov/services/covid19.htm||Effective April 2, 2020, small business taxpayers, those with less than $5 million in taxable annual sales, can take advantage of a 12-month, interest-free, payment plan for up to $50,000 of sales and use tax liability.||800-400-7115|
|State||California Public Utilities Commission||COVID-19 Utility Consumer Protections||https://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).|
|State||California Small Business Development Center (SBDC)||https://www.californiasbdc.org/covid19||As 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.
|State||Employment Development Department||EDD Tax Filing Extension||https://www.edd.ca.gov/about_edd/coronavirus-2019.htm||Employers 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|
|State||Employment Development Department||Unemployment Insurance Benefits||https://www.edd.ca.gov/about_edd/coronavirus-2019/faqs.htm||California is responding to the spread of a respiratory illness caused by a new coronavirus (COVID-19). While investigations to learn more about the virus are ongoing, workers and employers should review their health and safety procedures to help prevent exposure to the virus.
The EDD provides a variety of support services to people who have lost their jobs or have had their hours reduced due to the impacts of COVID-19 in California. For faster and more convenient access to those services, we encourage the use of our online options.
For the latest Unemployment Insurance claim data available, visit the Newsroom.
|State||Employment Development Department||Rapid Response Services for Businesses||https://www.edd.ca.gov/pdf_pub_ctr/de8714rrb.pdf||Potential 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.
|State||Franchise Tax Board||State Income Tax Deadline Extended||https://www.ftb.ca.gov/about-ftb/newsroom/news-releases/2020-3-state-postpones-tax-deadlines-until-july-15-due-to-the-covid-19-pandemic.html||FTB 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.
|State||Governor’s Office of Business and Economic Development||Compiled Information Relating to COVID-19||https://business.ca.gov/coronavirus-2019/||The Governor’s Office of Business and Economic Development (GO-Biz) has compiled helpful information for employers, employees, and all Californians as it relates to the Coronavirus (COVID-19) pandemic. For a complete list of resources, please visit the California Coronavirus (COVID-19) Response website.|
|State||Governor’s Office of Business and Economic Development||Small Business Support Centers – Map||www.business.ca.gov/sbresourcesmap||Map of Small Business Support Centers|
|State||IBank||Small Business Finance Center||https://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 Burgos||SBFC@ibank.ca.gov|
|State||Labor and Workforce Development Agency||Coronavirus 2019 (COVID-19) Resources for Employers and Workers||https://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 email@example.com|
|State||Office of the Attorney General||Anti-Price Gouging Guidance for Online Marketplace Platforms and Consumers||https://oag.ca.gov/news/press-releases/attorney-general-becerra-calls-online-marketplaces-their-game-combat-covid-19||Anti-COVID-19-related price gouging guidance for online marketplace platforms and consumers.|
|State||Office of the Small Business Advocate||https://static.business.ca.gov/wp-content/uploads/2019/12/2019-TA-Providers-Guide.pdf||Resources 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.|
|State||State Treasurer's Office||California Capital Access Program (CalCAP)||https://www.treasurer.ca.gov/cpcfa/calcap/sb/index.asp||The 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.
|State||The California Film Commission||Film & TV Tax Credit Program 3.0||http://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.|
|State||Governor’s Office||State and Local Tax Relief and Extensions||https://www.gov.ca.gov/wp-content/uploads/2020/03/3.30.20-N-40-20.pdf||The executive order allows the California Department of Tax and Fee Administration (CDTFA) to offer a 90-day extension for tax returns and tax payments for all businesses filing a return for less than $1 million in taxes. That means small businesses will have until the end of July to file their first-quarter returns.
Additionally, the order extends the statute of limitations to file a claim for refund by 60 days to accommodate tax and fee payers.
The executive order also includes extensions that impact state government workers, as well as consumers. For instance, the Department of Motor Vehicles will limit in-person transactions for the next 60 days, allowing instead for mail-in renewals. Additionally, the Department of Consumer Affairs will waive continuing education requirements for several professions, also for the next 60 days.
Further, the order will extend the Office of Administrative Law’s deadlines to review regular department proposed regulations. The order also extends by 60 days the time period to complete investigation of public safety officers based on allegations of misconduct. Finally, deadlines for trainings, investigations, and adverse actions for state workers will also be extended.
|State||Employment Development Department||Work Sharing Program||https://www.edd.ca.gov/unemployment/Work_Sharing_Program.htm||Employers can apply for the Unemployment Insurance (UI) Work Sharing Program if reduced production, services, or other conditions cause them to seek an alternative to layoffs.|
The Work Sharing Program helps employees whose hours and wages have been reduced: Receive UI benefits. Keep their current job. Avoid financial hardships.
The Work Sharing Program helps employers: Minimize or eliminate the need for layoffs. Keep trained employees and quickly prepare when business conditions improve. Avoid the cost of recruiting, hiring, and training new employees.
|State||Governor’s Office||Loan & Sales Tax Relief||https://abc7.com/6071621/?fbclid=IwAR1GExP8zVqs7Ee4xL6JJVWJYYkLNcmI3NnUANQLZe6nnEelLbJDXxUgKYA||Gov. Gavin Newsom on Thursday announced a "bridge loan" of up to $50,000 for small businesses in California amid the coronavirus outbreak, with a 12-month reprieve of state sales tax. To be updated with application portal|
|Federal||U.S. Small Business Administration (SBA)||Nonprofit Benefits (CARES Act)||https://www.philanthropy.com/article/trump-signs-stimulus-bill/248350||Currently, only people who itemize their taxes can claim charitable deductions. The stimulus bill will allow nonitemizers to deduct up to $300 in cash giving for the 2020 tax year, according to an analysis of the legislation by the National Council of Nonprofits.|
Nonprofits with 500 or fewer employees (counting all full-time and part-time employees equally) will be eligible for Small Business Administration loans of up to $10 million. Nonprofits are also eligible for expedited loans of up to $1 million. The money would have to be used for payroll, including paid leave, as well as health-insurance premiums, facilities costs, and debt service.Nonprofits that keep their employees on the payroll from February 15 to June 30 could have their loans forgiven, turning the loan into a grant.
Under a previous version of the legislation, nonprofits couldn’t access these loans if they were eligible for Medicaid payments. That limitation was removed from the final version of the bill.
The bill creates a refundable payroll tax credit of up to $5,000 for each employee on the payroll. To be eligible, a nonprofit must have experienced a drop in revenue of at least 50 percent in the first quarter of 2020 compared with the first quarter of 2019. The credit is available each quarter until the nonprofit’s revenue exceeds 80 percent of the same quarter in 2019. Nonprofits receiving emergency SBA loans are not eligible for these credits.
The bill appropriates an additional $10 billion to another SBA program, Economic Injury Disaster Loans, and waives a creditworthiness requirements for all applicants, including nonprofits. Those eligible will be able to get checks for $10,000 within three days.
Nonprofits that self-fund unemployment benefits could get reimbursed for up to half the costs of benefits provided to their laid-off employee
|Private||TPGI CPA LLC||SBA Paycheck Protection (PPP) & Disaster Loan 救灾贷款&薪资保障贷款 (PPP loan)||https://www.youtube.com/watch?v=UWozYO1yrxQ&feature=youtu.be|
|Mandarin-based instruction videos about how to apply for SBA Paycheck Protection (PPP) & Disaster Loan|
有关新冠疫情期间，小型企业如何申请SBA Disaster Loan（救灾贷款）， CARES Paycheck Protection Program Loan （薪资保障贷款）的中文指导视频
有關新冠疫情期間，小型企業如何申請SBA Disaster Loan（救災貸款）， CARES Paycheck Protection Program Loan （薪資保障貸款）的中文指導視頻
|Local||Calaveras County||Small Business Resource Guide||https://covid19.calaverasgov.us/Businesses||Small Business Resource Guide and Community Hotline: 209-754-2896||209-754-2896|