COVID-19 Business Resources
Business Help is Available
Trusted Partners Are Available to Help You
You are encouraged to work with an advisor from a trusted partner such as America’s SBDC network, East Bay SCORE, AnewAmerica Womens Business Center, Renaissance’s Women’s Business Center or Veterans Business Outreach Center to help you with your SBA disaster loan application as incomplete applications cannot be fully processed, and will increase the time it takes for the loan determination to be made. These services are free and language assistance is available upon request.
Alameda County Small Business Development Center (ACSBDC) is available to assist Alameda County businesses with the disaster loan application process. Current SBDC clients should contact their advisor. Non-SBDC clients will need to complete an online application for services. Go to the ACSBDC website, then click the red “apply now” button at the top of the page to begin the application process.
You can also call Northern California Small Business Development Center Network at 833-ASK-SBDC (833-275-7232) or reach them via email.
Note: This page includes information on State and Federal resources. For City of Dublin COVID-19 relief programs, go to the City COVID-19 Relief webpage and for other resources, go to the Quick Links webpage.
State of California Resources
The State of California has created a comprehensive website with COVID-19 information for the general public and employers.
As California reopens, every business will need to create a safer, low-risk environment. Read the State industry-specific guidance then check for Alameda County specific industry guidance on the County Variance page.
GO-Biz (Governor’s Office of Business and Economic Development) provides multiple state resources for California businesses.
Other state programs and services includes:
CA Department of Alcoholic Beverage Control (ABC) provides information and a FAQ about COVID-19 updates for businesses licensed to serve or sell alcohol.
CA Department of Tax and Fee Administration (CDTFA) administers California’s Small Business Sales and Use Tax Relief deferment of sales and use taxes payment of up to $50,000, for up to 12 months.
CA Employment Development Department (EDD) administers worker Unemployment Insurance, Pandemic Unemployment Assistance and provides resources for workers and employers relating to employee benefits, payroll taxes, workforce development programs, etc. The EDD also provides an option for employers to postpone filing and payment deadlines for payroll tax filing. Employers must make request in writing to the EDD for up to a 60-day extension.
CA Infrastructure and Economic Development Bank (IBANK) through their Small Business Finance Center (SBFC) has California Disaster Relief Loan Guarantee Program — to provide loan guarantees and direct loans for small businesses that experience barriers to accessing capital elsewhere.
IBANK's California Rebuilding Fund is a new public-private partnership that will leverage government backed capital to make flexible, affordable loans to small businesses with 50 employees or fewer through participating California Community Development Financial Institutions (CDFIs).
CA Labor and Workforce Development Agency provides resources for workers and employers relating to Paid Sick Leave, Disability and Unemployment Insurance, Paid Family Leave, Workplace Health and Safety.
CA MyChildCare.ca.gov is a new portal to help Essential Workers find childcare services during the pandemic.
CA Treasurer’s CalCAP Program offers a special loan program which encourages banks to make loans to small businesses that have difficulty getting financing.
Cal-OSHA administers occupational safety and health program and provides guidance to employers on workplace safety and issues including Industry Guidance on COVID-19.
Federal Government Resources
SBA Disaster Loan Assistance
The U.S. Small Business Administration (SBA) is offering Economic Injury Disaster Loans, Express Bridge Loans and Debt Relief to eligible small businesses suffering substantial economic injury as a result of COVID-19:
- Read about SBA Guidance and Loan Resources
- For SBA materials in languages other than English, visit the SBA Recovery Information webpage.
Economic Injury Disaster Loan (EIDL)
The SBA resumed accepting applications for EIDL loans for all eligible businesses on June 15, 2020.
Express Bridge Loans and SBA Debt Relief
The Express Bridge Loan program enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly while waiting for decision and disbursement of an EIDL. To apply for an Express Bridge Loan or apply for Debt Relief on an existing SBA loan, please contact your lender directly.
For more information, download the Express Bridge Loan Pilot Program Guide.
Paycheck Protection Program
The Paycheck Protection Program (PPP) provides loans to help businesses keep their workforce employed during the Coronavirus (COVID-19) crisis. In order to be forgiven, no less than 60% of the loan needs to be used toward payroll with the remaining amount being spent on other eligible expenses.
SBA is currently offering:
- First Draw PPP Loans for first time program participants
- Second Draw PPP Loans for certain businesses who have previously received a PPP loan
The application deadline is March 31, 2021, or whenever funds have been exhausted, whichever comes first. Businesses apply through an existing SBA 7(a) lender or participating federally-insured financial institution. Visit the SBA’s PPP webpage https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program for more information including a list of participating lenders.
Eligibility for First-time PPP borrowers: Must be in operation as of February 15, 2020, and have 500 or fewer employees. Nonprofits, self-employed individuals, sole proprietorships, and independent contractors can apply.
Eligibility for Second Draw PPP: Borrowers that previously received PPP loan can apply for a second draw (up to $2 million) if they have not permanently closed AND
- will or has used the full amount from First Draw PPP Loan for authorized uses;
- Has no more than 300 employees; and
- Can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020.
As part of PPP forgiveness, PPP borrowers no longer need to deduct the amount of their EIDL advance from their PPP forgiveness amount.
COVID-19 Employer Tax Credits
Read a summary of the Credit for Sick and Family Leave and the Employee Retention Credit (PDF).
- The Employee Retention Credit is designed to encourage employers to keep employees on their payroll. The refundable tax credit is 50% of up to $10,000 in qualified wages paid to an employee by an eligible employer experiencing economic hardship related to COVID-19. This credit is for wages paid from March 13 through December 31, 2020.
- The paid sick leave credit and paid family leave credit are available for eligible employers who pay qualified sick leave wages and/or qualified family leave wages from April 1 through December 31, 2020, and who have fewer than 500 employees.
For more information on Coronavirus Tax Relief for Businesses and Tax-Exempt Entities, visit the IRS website https://www.irs.gov/coronavirus/coronavirus-tax-relief-for-businesses-and-tax-exempt-entities
Clarifications on Tax Relief and Treatment of PPP Loans and Certain Loan Forgiveness
The Coronavirus Response and Relief Supplemental Appropriations Act, 2021 (passed in December 2020) included:
Extension of certain deferred payroll taxes: Extended the repayment period through December 31, 2021 for employers who deferred withholding employees’ share of social security. Penalties and interest on deferred unpaid tax liability will not begin to accrue until January 1, 2022.
Clarification of tax treatment of Paycheck Protection Program loans: Clarifies that gross income does not include any amount that would otherwise arise from the forgiveness of a Paycheck Protection Program (PPP) loan. Deductions are allowed for otherwise deductible expenses paid with the proceeds of a PPP loan that is forgiven, and that the tax basis and other attributes of the borrower’s assets will not be reduced as a result of the loan forgiveness.
Clarification of tax treatment of certain loan forgiveness and other business financial assistance under the coronavirus relief legislation: Clarifies that gross income does not include forgiveness of certain loans, emergency EIDL grants, and certain loan repayment assistance, each as provided by the CARES Act. Deductions are allowed for otherwise deductible expenses paid with the amounts not included in income by this section, and that tax basis and other attributes will not be reduced as a result of those amounts being excluded from gross income. The provision is effective for tax years ending after date of enactment of the CARES Act. The provision provides similar treatment for Targeted EIDL advances and Grants for Shuttered Venue Operators, effective for tax years ending after the date of enactment of the provision.
Extension of credits for paid sick and family leave: Extends the refundable payroll tax credits for paid sick and family leave, enacted in the Families First Coronavirus Response Act, through the end of March 2021. It also modifies the tax credits so that they apply as if the corresponding employer mandates were extended through the end of March 2021. This provision is effective as if included in FFCRA.
Note: The requirement that employers provide paid sick leave and expanded family and medical leave under the Families First Coronavirus Response Act (FFCRA) expired on December 31, 2020. For more about FFCRA paid sick leave and expanded family and medical leave entitlements, visit the U.S. Department of Labor’s website.