On Monday, November 30, Governor Gavin Newsom announced a package of assistance for small businesses affected by the prolonged Covid-19 crisis. This includes:

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Disaster Loan Assistance

Disaster loan assistance is available through multiple agencies.

• The SBA is also providing updated information and resources regarding the CARES Act and the Paycheck Protection Program. View the latest updates.
• If your business does not qualify for SBA Disaster Loans, you may be eligible to apply for disaster financing up to $50,000 through the California Disaster Relief Loan Guarantee Program. Check your eligibility and apply.
• If you are outside of the Greater Sacramento area, please contact your local Financial Development Corporation (FDC) for more information about resources available in your community. Map of California FDCs.
• Personalized advising is available to help your business navigate the various Disaster Loan programs. Please visit the Small Business Development Center (SBDC) to sign up for free services. Sign up today.

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State And Federal Government Resources

Resources from The State of California

• State of California Covid-19 Updates (Website Translated into over 70 languages)
• California Department of Public Health Website (Website Translated into over 70 languages)
• Guidance on Public Gatherings, Entertainment Venues, Bars, Restaurants, and Nursing Homes from California Department of Public Health
• Governor Newsom’s Executive Orders regarding California’s response to COVID-19
• Decisive Determination of Eviction and Foreclosure Policy in California.

Resources from the federal government:

• Federal Centers for Disease Control and Prevention
• Federal Emergency Management Agency

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Resources To Help Your Business Maintain Operations

Agencies and non-profits at the state and local level want to see your business thrive. Read below for more information on the organizations dedicated to your success through the Covid-19 pandemic.

• The California Office of the Small Business Advocate is available to help businesses identify resources and obtain answers to key questions where they can.  View their How We Can Help page and their FAQ for Small Businesses page for continued updates.
• Find your local small business assistance center through the California Technical Assistance Providers Guide.  These state- and federally-funded business assistance centers provide free individualized counseling and training for small businesses and nonprofits. They will also discuss options for accessing capital.
• The California Small Business Development Centers resource page includes both state and federal information for small businesses. The California Resource Guide has detailed information about federal programs serving California, including the SBA Disaster Economic Injury Loan Program.  Connect with California SBDCs at AskSbdc.com.
• GO-Biz is hosting a Covid-19 resource webpage with links to the IBank, Labor and Workforce Agency, Franchise Tax Board, and Department of Tax and Fee Management.
• USDA Rural Development has launched a Covid-19 resource page.  It features a broad range of resources from affordable housing and business development to utilities.

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Extension Of Certain State And Federal Filing Deadlines

• California State Income Taxes:  The deadline for filing personal and corporate income taxes has been extended to July 15, 2020. The Franchise Tax Board’s Covid-19 webpage has important information about filing state income taxes, including a page for Frequently Asked Questions.
• State Sales and Use Taxes: The California Department of Tax and Fee Administration has offered immediate interest-free deferred payment plans for small businesses.
• Federal Income Taxes:  The deadline for filing federal personal and corporate income taxes was extended to July 15, 2020.  The IRS has established a special section to assist taxpayers, businesses, and individuals impacted by coronavirus.  Updates will be shared on this webpage, and IRS guidance on deferring tax payments can be found under “News Releases”.
• State Payroll Taxes:  Employers experiencing a hardship as a result of Covid-19 may request an extension of up to 60 days to file their state payroll reports and/or deposit state payroll taxes without penalty or interest through the Employment Development Department. 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 at 1-888-745-3886.

Accessing Capital: Public And Private Financial Resources

State Programs:  California’s Small Business Finance Center provides small businesses access to a range of financial products, including the Small Business Loan Guarantee (guarantee through private lenders) and the Jump Start Program (direct loans to businesses).  California also offers a loss reserve-style credit enhancement program, the California Capital Access Program, to encourage private lenders to provide small business loans.

Existing Loans: On March 20, 2020, State and federal regulators of financial institutions issued a special directive to lenders to work constructively with businesses in modifying existing loans.

Employer Guidance From California Labor Agency

• Guidance on reduced work hours, potential closures, and layoffs. 

Resources Available To Employees

• Governor Gavin Newsom’s Executive Order waiving the one-week waiting period for unemployment.  Workers can receive unemployment the first week of missed work.

Local Resources

• Sacramento County
• City of Sacramento
• Business Environmental Resource Center (BERC)

Updates to COVID-19 Testing and Treatment for the Current SARS-CoV-2 Variants