Dublin Small Business Emergency Microloan Program Background

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. 

For a summary of the Program, visit the Microloan Program webpage.

Please contact Economic Development Staff at 925-833-6650 if you have any questions.

Microloan Program graphic showing storefront with text Dublin Small Business Emergency Microloan Pro

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 repayment will be deferred for 36 months. Loans could be 100% forgiven based on longevity of the business operating in Dublin and sales tax generation by the business. 

Financial assistance will be awarded to eligible, qualified small businesses based on the availability of funds, program guidelines, and the submission of all required information and supporting documentation.

Eligibility Requirements & Restrictions

Eligible businesses must be independently or locally owned, have a physical location in Dublin, California, be in good standing with the City and have an active City of Dublin business license as of March 1, 2020. First preference will be given to restaurants and retailers, followed by other eligible businesses. Businesses are eligible as follows:

  • Minimum one employee with a maximum of 50 employees. 
  • Can demonstrate at least a 25% reduction in revenues due to COVID-19.
  • Can demonstrate that they have applied for federal or state financial assistance (i.e. Paycheck Protection Program, Economic Injury Disaster Loan, Economic Injury Disaster Loan Advance, etc.).

Businesses not eligible to receive emergency loans include, but are not limited to: lending and investment institutions and insurance companies; non-profit entities; hotels; professional services (such as accountants, architects, engineering services, healthcare professionals, lawyers, etc.); home-based businesses;retail chain stores; and franchises that are corporately-owned.

Use of Loan Funds

Applicants can apply for a loan in the amount of $5,000, $7,000, or $10,000 based on their need.

Funds must be used to cover payroll, rent, operating expenses or working capital.

Loan Repayment and Forgiveness

Loan repayment would be deferred for 36 months after loan approval. Participating businesses will be required to sign a promissory note with the City and agree to an automatic deduction of monthly, equal installment payments following the 36-month (three year) period.

Longevity: The loan could 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. 

Application Process 

Starting on Tuesday, May 26, 2020; at 8 a.m., applications will only be accepted through the online portal. Note: As of June 12, 2020, the Small Business Emergency Microloan Program portal has been closed. We are no longer accepting applications.

NEW: To help business owners prepare to apply for the microloan, Staff has prepared a tutorial showing how to apply using the online application portal, ZoomGrants. You can either download this tutorial (PDF) or watch the video tutorial

You can also download:

Application Tips:
You will need to create an account with ZoomGrants. This step includes providing an email address and creating a password. The password needs to be at least eight characters and include at least one number and one letter.

As part of the application, you will be required to upload the following documents:

  • IRS W-9 Form
  • New Vendor Form
  • Line-item budget showing how you intend to use the loan funds.
  • Proof of action taken to apply for federal or state COVID-19 related financial assistance. You just need to show proof of application, not approval, i.e. copy of an email confirmation of successful application including program name, application date and a confirmation or application number.
  • Copy of current Lease or Rental Agreement, or statement of property ownership.

When naming the files, please include business name and document type in the name of the file (i.e. "BusinessName_W9.pdf"). PDFs are preferred.

Review Process

The City will review and process applications as quickly as possible, and will notify applicants of the status of their application via e-mail within 10 business days.

Applications will be reviewed on a first-come, first-served basis and will be accepted on a rolling basis until all available funds have been awarded or June 30, 2020 (whichever comes first).


If you have additional questions about the Program or the application process, contact Economic Development Staff via email or call City Hall at 925-833-6650 and ask to speak with Staff in the Economic Development Division.

To make a request for disability-related modification or accommodation in accordance with the Americans with Disabilities Act, please contact Economic Development Staff and allow at least 72 hours to process the request.