Dublin Small Business Emergency Microloan Program


The City of Dublin’s Small Business Emergency Microloan Program (“Program”) was established by the Dublin City Council with the intention to assist in retaining local small businesses (primarily restaurants and retailers) that are experiencing severe negative impacts due to the COVID-19 pandemic. Download the Program Factsheet (PDF).

The Small Business Emergency Microloan Program portal opened on May 26, 2020 and closed on June 12, 2020. We are no longer accepting applications. Please contact Economic Development Staff at 925-833-6650 if you have any questions.


Program Overview

The Program provides zero-interest, unsecured, short-term loans of up to $10,000 to eligible independently or locally owned businesses with priority for restaurants and retail businesses. Loan funds must be used to cover payroll, rent, operating expenses or working capital.

Loan repayment is deferred for 36 months after loan approval. The loan may be up to 100% forgiven based  on either longevity of the business operating in Dublin and sales tax generation by the business as detailed below:

Longevity: The loan may be 100% forgiven based on longevity of the business operating in Dublin: For each year the business is in operation, one third (1/3) of the loan will be forgiven. If at the end of three years, the business is still in operation in Dublin, then the entire loan will be forgiven.

Sales Tax: For Sales Tax Generating businesses only: If during the three-year term of the loan, the business cumulatively produces sales tax revenue remitted to the City equal to or more than the amount of the loan, then the loan will be forgiven.

Final Report for Microloan Recipients

Recipients can use one of the following links to complete their online Final Report by no later than Friday, January 29, 2021:

If you have any questions about the Final Report, please contact the Small Business Emergency Microloan Program Administrator, Suzanne Iarla at economic.development@dublin.ca.gov or 925-833-6650.

Program Overview

The Program provides zero-interest, unsecured, short-term loans of up to $10,000 to eligible independently or locally owned businesses with priority for restaurants and retail businesses. Loan funds must be used to cover payroll, rent, operating expenses or working capital.

Loan repayment is deferred for 36 months after loan approval. The loan may be up to 100% forgiven based  on either longevity of the business operating in Dublin and sales tax generation by the business as detailed below:

Longevity: The loan may be 100% forgiven based on longevity of the business operating in Dublin: For each year the business is in operation, one third (1/3) of the loan will be forgiven. If at the end of three years, the business is still in operation in Dublin, then the entire loan will be forgiven.

Sales Tax: For Sales Tax Generating businesses only: If during the three-year term of the loan, the business cumulatively produces sales tax revenue remitted to the City equal to or more than the amount of the loan, then the loan will be forgiven.

Summary of Microloan Program

Between May 26, 2020 and June 12, 2020, the City received 141 applications. Applications were reviewed on a first come, first served basis.

Utilizing a combination of City funds and Coronavirus Aid, Relief, and Economic Security Act ("CARES Act") funds, the Program was able to provide microloans to 100 Dublin businesses. Download the list of recipients (PDF).

The Program provided more than $888,000 in assistance to:

  • 64 Restaurants
  • 26 Personal Services/Other business types
  • 10 Retail Stores
Microloan Program INFOGRAPHIC - updated 11-20. The Program provided more than $888,000 in assistance

Application Process

Read about the Program's application process on the Background webpage.