Last updated 4/3 at 12:30 p.m.
Guidance for Businesses Affected by COVID-19
San Diego Resources
City of San Diego Press Releases
- Press release from the Office of Council President Georgette Gomez: Website Created to Support and Inform Tenants in Need of Eviction Protection (website: City of San Diego COVID-19 Temporary Ban on Evictions)
- Press release from the Office of Council President Georgette Gomez: City Council Stops Evictions Caused by COVID-19 and Creates Relief Fund for Businesses.
- Order of the Health Officer & Emergency Regulations - City of San Diego (Updated March 17, 2020).
- Statement from Georgette Gómez, Council President, City of San Diego and District Nine (en Español).
San Diego County Coronavirus Information
Regularly updated information from the County of San Diego about the coronavirus, including county-wide statistics and wellness resources.
Small Business Relief Fund
Learn about the City of San Diego's Small Business Relief Fund established to help businesses retain employees and sustain continuity of business operations impacted by federal, California, San Diego County and local emergency declarations regarding COVID-19.
- View the Small Business Relief Fund Frequently Asked Questions in English.
- View the Small Business Relief Fund Frequently Asked Questions in Spanish.
The San Diego and Imperial Small Business Development Center (SBDC)
The San Diego and Imperial Small Business Development Center (SBDC) provides small business owners no-cost guidance through the recovery process, including applying for disaster recovery loans if needed.
- Webinars: Covid-19 and Capital for Small Business
Center on Policy Initiatives
The Center on Policy Initiatives is providing a template letter for tenants to give their landlords if they are unable to pay rent related to COVID 19. Tenants should send a hardship letter/email to their landlords as soon as possible. They also need to provide/collect documentation related to hardship (COVID-19). If tenants do not notify their landlords, they may lose the protections under the "eviction moratorium."
Accion Serving Southern California is a nonprofit, mission-based microlender dedicated to connecting entrepreneurs with the accessible financing and resources it takes to create or grow healthy businesses.
CDC Small Business Finance
CDC Small Business Finance has an extensive listing of support opportunities available to small businesses affected by COVID-19. View the CDC Small Business Finance guide to finding the right small business loan.
San Diego Foundation
Learn about the San Diego Foundation's Community Response Fund, which will make emergency grants to nonprofit organizations that have deep roots and strong experience supporting impacted communities, particularly those that are disproportionately affected by this global pandemic and its economic consequences.
United Way of San Diego County
Learn about the United Way of San Diego County's Worker Assistance Initiative to provide flexible resources to individuals impacted by layoffs and reduced working hours implemented by employers.
2-1-1 San Diego
2-1-1 San Diego provides access to 6,000+ services, resources and programs through their online database. By simply dialing 211 the call is free, confidential and available in more than 200 languages.
San Diego Workforce Partnership
Read about the San Diego Workforce Partnership's COVID-19 Updates for Businesses.
San Diego Gas & Electric (SDG&E)
Read about SDG&E's response to the COVID-19 pandemic, including payment help and a moratorium on disconnections.
IHeartmedia is launching a campaign called IHelpSD where they are promoting restaurants with takeout/delivery on all their stations. Click here to add your restaurant to their list.
State Treasurer’s Office
California Capital Access Program (CalCAP): The California Capital Access Program for Small Business 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. 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. You must contact a participating lender to enroll. A list of participating lenders can be found here. If your financial institution does not currently participate, it can apply using this form. Completed forms must be sent to email@example.com. Contact: firstname.lastname@example.org.
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. Contact: SBFC@ibank.ca.gov.
Franchise Tax Board
The Franchise Tax Board has extended the state tax deadline. This relief includes moving the various tax filing and payment deadlines that occur on March 15, 2020, through June 15, 2020, to June 15, 2020. Partnerships and LLCs who are taxed as partnerships whose tax returns are due on March 15 now have a 90-day extension to file and pay by June 15. Individual filers whose tax returns are due on April 15 now have a 60-day extension to file and pay by June 15. Quarterly estimated tax payments due on April 15 now have a 60-day extension to pay by June 15.
Employment Development Department
If you are experiencing a hardship as a result of COVID-19, you may request up to a 60-day extension from the Employment Development Department (EDD) to file your 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. For questions, call the EDD Taxpayer Assistance Center toll-free at 1-888-745-3886; TTY: 1-800-547-9565.
California Department of Tax and Fee Administration
During this time of uncertainty, the California Department of Tax and Fee Administration is supporting California businesses so they can focus on their health and personal priorities.To apply for special assistance, including additional filing and payment extensions, and/or relief from interest and penalties, visit the California Department of Tax and Fee Administration website.
Labor and Workforce Development Agency
Employment Development Department
EDD can provide rapid response services for businesses, including help to avert potential layoffs and providing immediate on-site services to assist workers facing job losses.
American Institute of Certified Public Accountants
The AICPA has a document that summarizes the latest developments on state tax filings related to the coronavirus.
The California Endowment
The California Endowment is providing downloadable posters with COVID-19 health and safety information that you can post in your place of business.
California Department of Alcoholic Beverage Control
Read the department's Notice of Regulatory Relief, which covers temporary changes designed to support the alcoholic beverage industry in its efforts to assist California in slowing the spread of the virus while assisting the industry in dealing with the economic challenges it is facing as a result.
Internal Revenue Service (IRS)
- Economic Impact Payments will begin in April and will be distributed automatically, with no action required for most people. Information about these payments can be found on the IRS website.
- Employee Retention Credits Program (ERCP) provides a refundable payroll tax credit for 50 percent of qualified wages paid by employers to employees during the COVID-19 pandemic. Businesses qualify if their operations were (1) fully or partially suspended due to a government-issued COVID-19-related shut-down order, or (2) gross receipts declined by more than 50 percent when compared to the same quarter in the prior year.
- Click here for additional information about coronavirus tax relief.
U.S. Small Business Administration
- Read a statement from Administrator Jovita Carranza about SBA's plan to help the nation's small businesses.
- Coronavirus Small Business Guidance & Loan Resources: Overview of all resources provided by the SBA during the COVID-19 crisis.
- Disaster Loan Program: low-interest disaster loans to help businesses and homeowners recover from declared disasters. For help and assistance contact: email@example.com, (800) 659-2955.
- Economic Injury Disaster Loans: 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. The deadline to apply for an Economic Injury Disaster Loan is Dec. 16, 2020. The loan does not replace lost revenue, profits or fund expansions. For help and assistance contact: firstname.lastname@example.org, (800) 659-2955. Read the SBA's 3 Step Guide on how to apply for a disaster relief assistance loan.
- Paycheck Protection Program (PPP) helps employers maintain their payroll and manage operating costs during the COVID-19 emergency. Eligible entities include "any business concern," nonprofits (501(c)(3)), veteran organizations (501(c)(19)), or Tribal businesses that employ less than 500 employees (in addition to other requirements and limitations).The PPP will be available through June 30, 2020. You can apply through any existing SBA 7(a) lender or through any participating federally insured depository institution, federally insured credit union, and Farm Credit System institution.
Guidance on Requirements to Protect Workers from Coronavirus
Businesses can begin applying for FEMA Disaster Assistance while awaiting a disaster declaration to release the funds.
Families First Coronavirus Response Act (FFCRA)
Learn more about the Families First Coronavirus Response Act, which requires certain employers to provide their employees with paid sick leave and expanded family and medical leave for specified reasons related to COVID-19.
LISC (Local Initiatives Support Corporation)
LISC has received an investment of $2.5 million from Verizon to create a small business recovery fund, making it possible for them to offer critical relief and resiliency-building grants of up to $10,000 to small businesses facing immediate financial threat because of the COVID-19 pandemic.
- A Spanish version of the application is available here.
- Download the LISC/ Verizon Small Business Recovery Fund Cover Letter in ARABIC
- Download the LISC/ Verizon Small Business Recovery Fund Application in ARABIC
- Download the LISC/ Verizon Small Business Recovery Fund Application in VIETNAMESE
Small Business Grants Program: Facebook is offering $100M in cash grants and ad credits to help during this challenging time. Applications will be accepted in the coming weeks. In the meantime, you can sign up to receive more information when it becomes available.
California Bank & Trust
California Bank & Trust's City Heights location is open Monday-Friday, 9:30 a.m. to 4 p.m. Additional resources related to COVID-19 are available on their website, and staff are available to help customers navigate current challenges. California Bank & Trust is also available to help community members navigate and apply for the SBA Paycheck Protection Program. For more information and to request support, please contact Jeff Barger at 619-521-4010 or email@example.com.
Chase’s City Heights office is open Monday-Saturday, 9:30 a.m. to 4 p.m. Additional resources related to COVID-19 are available on their website.
Self-Help Credit Union
Self-Help Credit Union's local branch is currently closed, but they are providing member support online and over the phone.
Citi Bank is providing assistance for Retail Bank Customers, waiving monthly service fees and penalties for early CD withdrawal. For Retail Bank Small Business Customers, fee waivers are being provided for monthly service fees and remote deposit capture; waived penalties for early CD withdrawal; Bankers available after hours and on weekends for support.
Forbes has produced a list of banks offering relief to customers affected by COVID-19.
Mental health resources
- San Diego County Behavioral Health Access and Crisis Line provides free and confidential immediate support and resources from an experienced counselor 24 hours a day, 7 days a week. Call 1-(888) 724-7240.
- Substance Abuse & Mental Health Services Administration (SAMHSA) will help you connect to available local resources and treatment centers. Call 1-(800) 662-4357.
- The Trevor Project is the leading national organization providing crisis intervention and suicide prevention services to lesbian, gay, bisexual, transgender, queer and questioning (LGBTQ) young people under 25. Call the 1-(866) 488-7386 or text START to 678678.
- Parental Stress Helpline provides crisis management, support services, and will help you identify local resources. Call 1-(800) 632-8188.
- Disaster Distress Line supports people experiencing emotional distress related to natural or human-caused disasters. Call 1-(800) 985-5990.
- National Suicide Prevention Lifeline provides free and confidential support and prevention and crisis resources 24 hours a day, 7 days a week. Call 1-(800) 273-8255.
- Veterans Crisis Hotline connects veterans and their family and friends with qualified Department of Veterans Affairs responders through a confidential hotline. Text 838255 or call 1-(800) 273-8255 and Press 1.
Resources for those experiencing domestic violence
- YWCA San Diego Becky's House transitional housing provides longer-term housing and supportive services for individuals and families. Contact their 24-hour hotline: (619) 234-3164, or offices: (619) 239-0355.
- Casa Segura (Safe House) provides a short-term, confidential shelter and transitional housing to victims of domestic violence and their children who are homeless. Contact their hotline: 1-(800) 640-2933, or offices: (619) 420-3620.
- Center for Community Solutions provides emergency and long-term shelter services for domestic violence survivors and their children. Contact their 24-hour hotline: 1-(888) 385-4657, Project Safe House: (619) 631-6442, Hidden Valley House: (760) 480-0055.
- Community Resource Center will answer your questions on available resources, locate emergency shelter and transitional housing and provide legal advocacy and case management. Contact their hotline: 1-(877) 633-1112, or office: (760) 753-8300.
- Women's Resource Center will be available by phone to answer questions, provide crisis services, and provide resources like food, toiletries and diapers to clients as they are needed. Contact their hotline: (760) 757-3500.