Business & Resident Resources
December 30, 2020
Please Note: This information is being provided as a helpful resource to our business community. Because the programs, services, and initiatives to assist all businesses are rapidly changing during this time, please make sure to visit all of the resources listed below often to stay up-to-date during this COVID-19 pandemic. This page will be updated as time permits. Please review our website Terms & Conditions. It is highly recommended that you check with the actual source of the programs listed below to ask questions and to make sure you have the latest information.
Business Emergency Assistance Spreadsheet (PDF)
Microenterprise Business Grant Program
Small Business Grant Program
Business Resource Webinars
COVID-19 Employer & Worker Resources
California Small Business Covid 19 Relief Grant Program
U.S. Small Business Administration Paycheck Protection Program
February 2, 2021: California Small Business Covid-19 Relief Grant Program - Round 2 Applications
The California Small Business Covid-19 Relief Grant Program is again accepting applications for Round 2 of funding. The application period for this second round of funding is available now until February 8 at 6:00 pm. Waitlisted applicants from Round 1 do not need to reapply. The amount of grant funding ranges from $5,000 to $25,000. Businesses are eligible based on their annual revenue as documented in their most recent tax return. Find out more about this much needed Covid-19 relief program.
Governor’s March 12 Executive Order N25-20
The business-related actions of Executive Order N25-20:
- Waives the one-week waiting period for people who are unemployed and/or disabled as a result of COVID-19 to file for unemployment benefits;
- Delays the deadline for state tax filing by 60 days for individuals and businesses unable to file on time based on compliance with public health requirements related to COVID-19 filings;
California Governor Gavin Newsome offers that Californians who are struggling with the COVID-19 crisis may be eligible for the following relief upon contacting their financial institution: 90-Day Grace Period for Mortgage Payments Financial institutions will offer, consistent with applicable guidelines; mortgage payment forbearances of up to 90 days to borrowers economically impacted by COVID-19.
Find out more, via the recent Press Release on COVID19 Financial Relief Package (PDF).
Governors March 30 Executive Order N40-20
Governor Gavin Newsom signed an Executive Order that will provide tax, regulatory, and licensing extensions for businesses. The Executive Order includes:
- A 90-day extension for tax returns and tax payments, to the California Department of Tax and Fee Administration, for all businesses filing a return for less than $1 million in taxes. This means that small businesses will have until the end of July to file their first quarter returns.
- Direction for the Department of Motor Vehicles to limit in-person transactions for the next 60 days, allowing instead for mail-in renewals. Visit the CA DMV Website for more information.
- Extend the deadlines for the Office of Administrative Law to review regular regulations proposed by various state agencies and departments.
- Provides the Director of the Department of Alcoholic Beverage Control the authority to suspend, for up to 60-days, the deadlines for renewing licenses.
Find out more via the recent Press Release on Executive Order N40-20.
Small Business Invited to Apply For Microenterprise Business Grants
REAL ID License Deadline Has Been Extended to October 1, 2021
With the COVID-19 pandemic stifling efforts for many to obtain the newly required Read ID, California and other states have closed offices and have been unable to keep appointments and continue to issue Real ID licenses. Federal officials have granted a one-year extension, until October 1, 2021, on the deadline for people to obtain the identification/license cards. Keep up-to-date on this extension and the reopening of Department of Motor Vehicle offices by visiting the CA DMV website.
Latest News on Business Assistance
The latest news on business assistance can be found on the Governor’s Office of Business and Development GO-Biz website.
This site provides links to the IBank, Small Business Advocate, State Treasurer, Labor and Workforce Agency, Franchise Tax Board, and Department of Tax and Fee Management.
Federal and State Government Resources
Internal Revenue Service (IRS)
There’s a lot of information on #COVIDrelief on the IRS website. Sign up for #IRS e-news updates and stay informed on tax matters that affect you. There is information on how you can get Coronavirus Tax Relief and more information on Economic Impact Payments. They are the best source of this information.
Small Business Emergency Relief Package - November 20, 2020
The legislature and the Governor’s administration have also worked to create an Emergency Relief Package, which will provide up to $500 Million in COVID relief funds, to be administered by the California Office of the Small Business Advocate (CalOSBA).
- Funds will be awarded to selected intermediaries with established networks of Community Development Financial Institutions to distribute relief through grants up to $25,000 to underserved small business/non-profits/cultural institutions throughout the State by early 2021.
- CalOSBA is establishing the program and will make it available to small businesses as soon as possible. Updates on availability will be posted at: https://business.ca.gov/
- This program will act as a bridge until the Legislature and Governor can take further actions in January, at the start of the 2021-22 Legislative Session.
Main Street Hiring Tax Credit Program - December 1, 2020
California launched its $100 Million Main Street Hiring Tax Credit Program. Under this program:
- Businesses will receive $1,000 in tax credit when a qualified employee is hired
- Each business employer can receive up to $100,000
The Department of Tax and Fee Administration will begin accepting applications on December 1, 2020. The application, and additional information, can be accessed here.
State of California - November 30, 2020 - Small Business Relief
Governor Newsom announced a temporary tax relief order which entails an automatic three-month income tax extension for taxpayers filing less than $1 million in sales tax, extends the availability of existing interest and penalty-free payment agreements to companies with up to $5 million in taxable sales and provides expanded interest free payment options for larger businesses particularly affected by significant restrictions on operations based on COVID-19 transmissions. The total tax relief, if fully utilized, is estimated to have billions in impact. These efforts are informed by recommendations made by the Governor’s Task Force on Business and Jobs Recovery.
State of California Employment Development Department (EDD)
Pandemic Unemployment Assistance (PUA) - If you are a business owner, independent contractor, self-employed worker, freelancer, or gig worker and only received a 1099 tax form last year, you are most likely eligible for PUA.
You can apply for benefits starting April 28. To be eligible for PUA, you must meet any of the following criteria:
Any criteria related to changes in employment status due to COVID-19
- You had a definite date to begin work, but the job is no longer available, or you could not reach the job as a direct result of COVID-19
- You are unable to travel to your job as a direct result of COVID-19
- You quit your job as a direct result of COVID-19
- Your workplace is closed as a direct result of COVID-19
- You are self-employed or work as an independent contractor (with reportable income, such as a 1099) and you are unemployed, partially employed, or unable to work because COVID-19 has forced you to stop working
Any criteria related to health issues due to COVID-19
- You have been diagnosed with COVID-19 or are experiencing symptoms and are seeking a medical diagnosis
- A member of your household has been diagnosed with COVID-19
- You are caring for a family member or a member of your household who has been diagnosed with COVID-19
- You are caring for a dependent because their school or another care facility has closed due to COVID-19 and you are now caring for them during the work day
- Your healthcare provider has told you to self-quarantine because of COVID-19
- You have become the main income provider due to a COVID-19 death in your household
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. Find Out the Latest on COVID-19 Related Programs
If you have run into issues applying for PUA, email Senator Ling Ling Chang’s Office to obtain local assistance with the process.
Work Sharing Program
If COVID-19 has impacted your business or services, you can avoid potential layoffs by participating in the Unemployment Insurance (UI) Work Sharing Program. This program allows you to retain your workers by reducing their hours and wages no more than 60 percent and partially offsetting the wage loss with UI benefits. This helps you avoid the cost of recruiting, hiring, and training new workers and helps your workers keep their jobs and receive some financial support with UI benefits. You and your workers can also be prepared to quickly adjust when business improves.
Benefits for Workers Impacted by COVID-19
What employees are entitled to may be confusing. A summary chart is provided to make it easier to understand what resources may be available.
Employers experiencing 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 an extension must be received within 60 days from the original delinquent date of the payment or return. For questions, employers may call the EDD Taxpayer Assistance Center. Toll-free from the U.S. or Canada: 1-888-745-3886
Small Business Administration (SBA)
The Small Business Administration (SBA) is offering many programs to help businesses affected by COVID-19 pandemic. The below programs can be beneficial in helping small business stay afloat!
To find the program that best meets your business needs go to Small Business Guidance and Loan Resources.
As of January 11, 2021, the Paycheck Protection Program (PPP) has re-opened. This 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. See Press Release
𝗞𝗲𝘆 𝗣𝗣𝗣 𝘂𝗽𝗱𝗮𝘁𝗲𝘀 𝗶𝗻𝗰𝗹𝘂𝗱𝗲:
- PPP borrowers can set their PPP loan’s covered period to be any length between 8 and 24 weeks to best meet their business needs
- PPP loans will cover additional expenses, including operations expenditures, property damage costs, supplier costs, and worker protection expenditures
- The Program’s eligibility is expanded to include 501(c)(6)s, housing cooperatives, direct marketing organizations, among other types of organizations
- The PPP provides greater flexibility for seasonal employees
- Certain existing PPP borrowers can request to modify their First Draw PPP Loan amount
- Certain existing PPP borrowers are now eligible to apply for a Second Draw PPP Loan
𝗔 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿 𝗶𝘀 𝗴𝗲𝗻𝗲𝗿𝗮𝗹𝗹𝘆 𝗲𝗹𝗶𝗴𝗶𝗯𝗹𝗲 𝗳𝗼𝗿 𝗮 𝗦𝗲𝗰𝗼𝗻𝗱 𝗗𝗿𝗮𝘄 𝗣𝗣𝗣 𝗟𝗼𝗮𝗻 𝗶𝗳 𝘁𝗵𝗲 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿:
- Previously received a First Draw PPP Loan and will or has used the full amount only for authorized uses
- Has no more than 300 employees
- Can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020.
- Eligible recipients may qualify for a loan up to $10 million determined by 8 weeks of prior average payroll plus an additional 25% of that amount
- Loan payments will be deferred for six months
- If you maintain your workforce, SBA will forgive the portion of the loan proceeds that are used to cover the first 8 weeks of payroll and certain other expenses following loan origination
SBA Debt Relief - The SBA Debt Relief program will provide a reprieve to small businesses as they overcome the challenges created by this health crisis. Under this program:
- The SBA will also pay the principal and interest of new 7(a) loans issued prior to September 27, 2020.
- The SBA will pay the principal and interest of current 7(a) loans for a period of six months.
SBA Express Bridge Loans - Allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan:
- Up to $25,000
- Fast turnaround
- Will be repaid in full or in part by proceeds from the EIDL loan
Businesses... Work with your accounting department to track expense and contact lenders now to see if they are an approved SBA lender.
Apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. Consult with your local lender as to whether it is participating in the program. Lenders may begin processing loan applications as soon as April 3, 2020.
- These are subsidized loans which have forgivable portions
- Business with <500 employees (includes non-profits, churches and sole proprietor) are eligible
- The loan is to support ongoing operation and retain workers. It will pay for 8 weeks of payroll, mortgages , leases and utilities.- 75% of loan must be for payroll
- Business should be working with their accounting departments now to begin cost roll ups and gathering information – the goal is to maximize loans received and forgivable amounts
- Maximum Loan is 2.5 x month net income up to $10 million
- Maximum forgivable portion for 1 EE is $100,000
- Eligible - salary, retirement benefits, health insurance premiums and certain payments to independent contractors
- Ineligible payroll tax, workers comp, compensation over $100K per 1 EE or credits received und the Family First Coronavirus Relief Act (FFCRA))
- Forgivable portion of the loan is not taxable, loans do not require personal guarantees or security
- Unforgiven portion is maximum rate of 4% for 10 year, payments are deferred up to 1 year with 6 months subsidized
- Forgivable amount is reduced if there is a workforce reduction. or if salaries are reduced
- Employees on paid leave are still considered employed
Visit the SBA website for more information on SBA’s assistance to small businesses.
Visit the local office of the SBA website for local contact information.
Small Business Administration Economic Injury Disaster Assistance Loans
The U.S. Small Business Administration (SBA) offers disaster assistance in the form of low-interest loans to businesses, renters, and homeowners located in regions affected by declared disasters. Find out more by clicking on the link below:
In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.
To apply online for and Economic Injury Disaster Loan (EIDL) use the local SBA Online Portal.
You can print the EIDL paper application by downloading it from the website, and sending the completed application via:
- Email: Ela.firstname.lastname@example.org
- Fax: 202-481-1505
- Mail: U.S. Small Business Administration
Processing and Disbursement Center
14925 Kingsport Rd.
Ft. Worth, TX 76155-2243
If a business receives a negative response to their application, they are strongly encouraged to follow up with the SBA for additional resources and advice.
The Small Business Administration also announced changes to help borrowers still paying back SBA loans from previous disasters. Now, borrowers of home and business disaster loans do not have to contact the SBA to request deferment. By making this change, deferments through December 31, 2020, will be automatic.
The SBA and Treasury Department have initiated a robust mobilization effort of banks and other lending institutions to provide small businesses with the capital they need. The CARES Act establishes a new $349 billion Paycheck Protection Program. The Program will provide much-needed relief to millions of small businesses so they can sustain their businesses and keep their workers employed. Find out more below.
State Efforts to Assist California Workers
California will continue acting swiftly to help workers hurt by COVID-19. Affected workers can visit the Labor & Workforce Development Agency’s website to review what benefits are available.
The California Office of the Small Business Advocate is available to help businesses identify resources and obtain answers to critical questions (to the extent known).
At California’s Small Business Finance Center, small businesses can access a range of financial products, including loan guarantees and direct loans.
California IBank: Small Business Finance Center
California Treasurers Office: CalCAP
39th District Congressman Gilbert Cisneros’ Small Business Resource Guide
As the 39th District rallies together to combat the coronavirus (COVID-19), many businesses have had to make very difficult decisions in order to keep our community safe. This guide is provided to help local small businesses weather the storm. Questions, call the local office at 714-459-4575.
San Bernardino County Business Resources
San Bernardino County provides a resource guide which provides links to critical resources and services available to businesses and individuals impacted by the COVID-19 pandemic. S.B. Co. Online Business Resource Guide
COVID-Compliant Business Partnership Program -- Applications Available
The County of San Bernardino is committed to rebuilding and sustaining a high quality of life for its residents and businesses.
To support local small businesses and help ensure ongoing compliance with State and County Health orders and direction, San Bernardino County is implementing the COVID- Compliant Business Partnership Program.
This program has two components.
- Original funding of $2,500 has now increased to $5,000 for eligible Small Businesses and non-profits with 1-100 employees (some exceptions made for businesses with 0 employees). Previous funding recipients that applied before October 31, 2020 will receive a check for the additional funding (Except Short Term Rentals and Private Schools).
- Support and Partnership for ALL eligible County businesses who wish to become a COVID-Compliant Business Partner
This program will support our local small businesses by reimbursing and/or offsetting costs and impacts directly related to complying with COVID-19 related business protocols and providing support to all eligible County businesses who apply for the program. Additional business locations in the County under the same ownership will be eligible to receive an additional $2,000 per eligible location.
Prior to receiving funding, San Bernardino County small businesses must demonstrate compliance with State/County public health orders, and incorporate safety and social distancing practices and measures in their business operations.
Total funding available for this program is $30,000,000. Eligible businesses, per qualifying location, can receive up to $5,000. Deadline for application has been extended to December 13, 2020 or until all funding is exhausted, on a first-come, first-served basis. FAQ's
San Bernardino County Workforce Development
Business Rent, Utility, and Mortgage Assistance
San Bernardino County Workforce Development Office is offering rent, utility and mortgage assistance up at $800. This service is only offered through appointment only. For more information, please call (909) 382-0440.
San Bernardino County Economic Development and Business Service Team have valuable services and information for businesses. Help during COVID-19 is available.
A series of Human Resources (HR) webinars are available to business employers.
For more information on these webinars and other business related questions, call the free Human Resources Hotline at 877-282-3763.
Tax Collector Grants Penalty Relief for Property Taxes
San Bernardino County Tax Collector plans to grant waivers on penalties for property owners with qualified real property and qualified small businesses to help them through these extremely difficult economic times as far as the law allows, which is June 30.
Taxpayers should contact the Tax Collector’s Office at 909-387-8308 prior to being late on any payments. Tax payments can be paid over the phone, online by visiting www.MyTaxCollector.com, or by mailing a check to 268 W. Hospitality Lane, First Floor, San Bernardino, CA 92415-0360.
Utility Partner Resources
- SCE will help customers with their bills by suspending service disconnections for nonpayment and waiving late fees for business and residential customers impacted by the COVID-19 emergency.
- Southern California Gas is committed to helping customers experiencing hardships, including from the Coronavirus. If in need of assistance, we encourage customers to call us at 1800-427-2200. If you’re experiencing financial hardship due to COVID-19, we are supporting our residential and small business customers
Chino Valley Chamber of Commerce
The Chino Valley Chamber of Commerce is a valuable resource for local businesses. The Chamber of Commerce hosts a Chino Valley Leaders on Coronavirus Webinar every Tuesday from 8:30 am to 9:30 am. Visit the Chamber website to find out more and to keep up-to-date on business news and information regarding business programs, services, and incentives during this unprecedented pandemic.