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Z-Councilmember Chris Cate (District 6) (DO NOT USE)

Resource Guide for Businesses | COVID-19

There are now 42,336 unemployed residents in the neighborhoods of D6. One in every four District 6 residents is not working. This is an 815% increase in two months. 

These are our friends and our neighbors, and they are struggling to pay their bills and put food on the table. They are seeing their life savings and hard work disappear before their eyes. They are eager to get back to work or re-open their business in a safe and responsible manner. 

This isn’t about getting a haircut. 

This is about providing for their family. 

Thank you to Mayor Faulconer and the Board of Supervisors for pushing to get our region open expeditiously. We can do so safely, and responsibly.

CD6 unemployment COVID

LOCAL

San Diego COVID-19 Community Response Fund

  • A coalition of philanthropy, government and business partners has joined together to create the San Diego COVID-19 Community Response Fund to rapidly deploy flexible resources to community-based organizations at the frontlines of the coronavirus outbreak in San Diego County. 

City of San Diego Small Business Relief Fund

  • Micro loans for small businesses, tax certificate deferral, commercial utility deferral, extension of all building permits. 

Small Business Development Center 

  • Find your nearest Small Business Development Center 

Small Business Development Center COVID-19 Small Business Survival Guide 

  • Connect with your local Small Business Development Center to gain access to resources. 

San Diego Workforce Partnership COVID-19 Updates for Businesses 

  • This page includes all COVID-19 updates related to businesses and employers. 

STATE

OnwardCA

  • Governor Newsom joined Bitwise Industries in announcing OnwardCa.org, a platform connecting COVID-19 displaced workers with over 70,000 job opportunities in critical industries.

  • California is providing broad assistance to small businesses and employers impacted by COVID-19. This includes:

    • Small business interest free deferral of sales/use tax up to $50,000 for businesses with less than $5 million in taxable sales.

    • 90-day extension on all businesses filing a return for less than $1 million in taxes

    • California Small Business Loan Guarantee Program (via IBank) $50 million in state funding, providing potential capital for individuals who do not qualify for federal funds.

Cal/OSHA Guidance on Requirements to Protect Workers from Coronavirus

  • 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 Treasurer's Office California Capital Access Program (CalCAP) 

  • 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. 

IBank 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. 

Franchise Tax Board State Income Tax Deadline Extended   

  • 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.

Labor and Workforce Development Agency Coronavirus 2019 (COVID-19) Resources for Employers and Workers 

  • 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. 

Labor and Workforce Development Agency Coronavirus 2019 (COVID-19) Resources for Employers and Workers 

  • 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. 

Employment Development Department Tax Filing Extension

  • 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 

California Department of Tax and Fee Administration Tax Filing Extension

  • On 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.

Employment Development Department Unemployment Insurance Benefits 

  • California's Employment Development Department (EDD) provides a variety of support services to individuals affected by COVID-19 in California. 

Employment Development Department Rapid Response Services for Businesses 

  • 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.

The California Film Commission Film & TV 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.

PDF icon American Institute of Certified Public Accountants (AICPA) State Tax Filing Guidance for Coronavirus Pandemic 

  • States are providing tax filing relief for individuals and businesses. The AICPA created a document summarizing the latest developments on state tax filings related to the coronavirus. 

California Small Business Development Center (SBDC) 

  • 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, insurance coverage and more - at no cost. 

Office of the Small Business Advocate 

  • 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 capita

California Association for Local Economic Development Resources for the novel Coronavirus and COVID-19 

  • CALED recognizes that as economic developers, you are the leaders in your communities and play an important role in providing good information to help your residents and businesses feel safe. As businesses and the local economy are hit hard by the virus and its effects, CALED has gathered federal, state, and local resources that provide guidance as well as examples of what communities are doing to help their local businesses. 

GO-Biz 

  • The Governor’s Office of Business and Economic Development has compiled helpful information for employers, employees and all Californians as it relates to the coronavirus (COVID-19) outbreak. 

California Department of Insurance 

  • 60-Day Grace Period for Insurance Premium Payments Due to the Disruption Caused by the Novel Coronavirus (COVID-19) Outbreak  

FEDERAL

CARES ACT

  • The CARES Act has approved $350 billion in emergency loans for small businesses to help them keep workers employed. In fact, if small businesses maintain or later restore their payrolls, they may not have to repay some—or possibly any—of the loan.
  • Congress recently approved an additional $310 billion for the CARES Act for small business relief. This includes $250 billion to restore the Paycheck Protection Program and $60 billion toward Economic Injury Disaster Loans. These funds are expected to be depleted very quickly so be sure to apply now. For assistance in applying for these loans, contact your local Small Business Development Center.

U.S. Small Business Administration (SBA) Disaster Loan Program 

  • The SBA provides low-interest disaster loans to help businesses and homeowners recover from declared disasters. The deadline to apply for an Economic Injury Disaster Loan is Dec. 16, 2020. 

U.S. Small Business Administration (SBA) Guidance Webpage 

  • SBA webpage dedicated to guide businesses through the COVID-19 crisis. 

Center for Disease Control and Prevention (CDC) Interim Guidance for Businesses and Employers: Plan, Prepare and Respond to Coronavirus Disease 2019 

  • 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 Emergency Management Agency (FEMA) Disaster Preparedness 

  • Businesses can being applying for FEMA Disaster Assistance while we await a disaster declaration to release these funds. 

Internal Revenue Service (IRS) Federal Income Tax Payment Extension 

  • The Treasury Department and the Internal Revenue Service are providing special payment relief to individuals and businesses in response to the COVID-19 Outbreak. The filing deadline for tax returns remains April 15, 2020. The IRS urges taxpayers who are owed a refund to file as quickly as possible. For those who can't file by the April 15, 2020 deadline, the IRS reminds individual taxpayers that everyone is eligible to request a six-month extension to file their return. 

U.S. Department of Labor Families First Coronavirus Response Act: Employee Expanded Family and Medical Leave Rights

  • Benefits 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. 

NONPROFITS

Pacific Community Ventures Pacific Community Ventures

  • 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.

Venturize 

  • 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. 

Opportunity Fund 

  • Opportunity Fund is a US-based nonprofit organization that provides financing to underserved small-business owners. 

Restaurant Opportunities Centers United 

  • National, state and city resources available to restaurant workers during the COVID-19 pandemic.

California Restaurant Association Coronavirus (COVID-19) Resources 

  • Resources for restaurants and bars. 

California Restaurant Association Foundation Restaurants Care

  • CRA’s foundation that provides resources to restaurants and bars in need. Businesses can apply for grant funding through the foundation. 

Asian, Inc. Small Business Consulting

  • 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. 

CNSC - Chinese Newcomers Service Center Job Opportunities 

  • Job Offers updates: OEWD, Safeway, CPMC 

Sempra Energy Foundation COVID-19 Nonprofit Hardship Fund

  • Sempra provides grants ranging from $500 to $50,000 to small to medium-sized non-profit organizations serving people and families significantly affected by COVID-19.

PRIVATE-SECTOR

Facebook Small Business Grants Program 

  • 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. 

Citi Bank 

  • Effective Monday, March 9, 2020 for an initial thirty days (30), contact Citi Bank for assistance with: For Retail Bank Customers: Fee waivers on monthly service fees; waived penalties for early CD withdrawal. For Retail Bank Small Business Customers: Fee waivers on monthly service fees and remote deposit capture; waived penalties for early CD withdrawal; Bankers available after hours and on weekends for support. 

Forbes List of Banks Offering Relief To Customers Affected By Coronavirus (COVID-19)

  • On March 9, the FDIC encouraged financial institutions to help mee the needs of those customers and members affected by the coronavirus. That could mean, for example, waiving fees on late or missed credit card or loan payments and waiving early withdrawal penalties for out-of-work savers who need access to money locked up in CDs. Editor's note: This is a developing story and will be updated regularly as more information is gathered and banks update their responses. 

Lendistry

  • 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. 

IFundWomen 

  • IFundWomen is a startup 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, accelerates knowledge, and ignites action. 

Hanson Bridgett 

  • 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. 

Humanity First Coronavirus Relief Fund 

  • Humanity Forward is committing to delivering one-time, and recurring, basic income payments to individuals and families who stand to be most impacted by the coronavirus crisis. The initial target populations will primarily consist of Americans in lower income brackets who depend on wage work to support them and their families. Our first program will be launched in the Bronx, NY, and we aim to roll out similar initiatives in the coming weeks. 

Mission Driven Finance COVID-19 Resources For Small Businesses And Nonprofits 

  • Provides flexibility for Mission Driven Finance loan agreements and other resources for small businesses and nonprofits. 

First Choice Bank Microloan Program 

  • Under the First Choice Bank Microloan Program, nonprofit community-based organizations can provide microloans ($1,000) to their small business clients such as start-up, newly established, or growing small businesses. With easy application process and small monthly payment requirement, the   qualified small businesses will have an easy and affordable solution to their financial needs.