Business Resources During Covid-19

During the Covid-19 pandemic, the HMB Coastside Chamber will continue to gather and update resources for our local businesses. If you know of something that could be useful to businesses please email Kevin at [email protected]. Thank you!

Re-Opening Resources

State Guidelines per Industry with Checklists

https://covid19.ca.gov/industry-guidance
Dine-In Restaurant Readiness (PDF)
As California reopens, every business will need to create a safer, low-risk environment. If you own or manage a business, follow the guidance below to protect your workers and customers. Industry-specific guidance applies to businesses statewide. Review the guidance that is relevant to your workplace, make a plan, and put it into action. Post your completed checklist so everyone can know the steps you’ve taken. Feel free to add more safety measures to the ones listed.

EPA Guidance for Cleaning and Disinfecting Public Spaces, Workplaces, and Businesses

https://www.epa.gov/coronavirus/guidance-cleaning-and-disinfecting-publ…
This jointly developed guidance from the Centers for Disease Control and Prevention (CDC) and the U.S. Environmental Protection Agency (EPA) is intended for all Americans, whether you own a business, run a school, or want to ensure the cleanliness and safety of your home. This plan is part of the larger United States Government plan and focuses on cleaning and disinfecting public spaces, workplaces, businesses, schools, and can also be applied to your home.

Cal/OSHA Interim General Guidelines on Protecting Workers from COVID-19

https://www.dir.ca.gov/dosh/coronavirus
These Guidelines Are Subject to Change as the Situation Evolves. Cal/OSHA's regulations require protection for workers exposed to airborne infectious diseases such as the 2019 novel coronavirus disease (COVID-19). This interim guidance does not impose new legal obligations. It provides employers and workers with information for preventing exposure to the coronavirus (SARS-CoV-2), the virus that causes COVID-19. Employers and employees should review their own health and safety procedures as well as the recommendations and standards detailed below to ensure workers are protected.

Financial Assistance Programs

United States : Paycheck Protection Program (PPP) Loan Forgiveness Guide

Under the Paycheck Protection Program (PPP), loans may be forgiven if borrowers use the funds to maintain their payrolls and pay other specified expenses. Download this step-by-step guide to calculate your loan forgiveness amount, navigate record-keeping requirements, and determine repayment terms on amounts not forgiven. Click Here to Download the PPP Forgiveness Guide from the U.S. Chamber of Commerce.

United States : CARES Act

Paycheck Protection Program (PPP) : Second-round funding opened for applications April 27th. It's reported the system crashed. But your bank, if an SBA approved lender, should be able to help you thru the application process. If your bank is not an approved lender, the Chamber has been told that U.S. Bank is still accepting applications for both existing and new banking clients.

Economic Injury Disaster Loan and Advance : SBA began accepting new Economic Injury Disaster Loan (EIDL) and EIDL Advance applications on a limited basis. To learn more about eligibility and apply, click here.

San Francisco SBA District Office | (415) 744-6820 | [email protected] | More Loan Info

California : Sales Tax Payment Plan

https://www.cdtfa.ca.gov/news/20-07.htm
Small Businesses May Defer Up to $50,000 of Sales and Use Tax Liability for 12 Months. Governor Newsom announced on April 3rd a new relief effort that gives all businesses with less than $5 million in annual taxable sales the ability to defer payment on up to $50,000 in sales and use tax liability without incurring any penalties or interest. Today's action builds on Executive Order N-40-20, issued by Governor Newsom on March 30, 2020, which provided all small business taxpayers an additional 90 days to file and pay taxes administered by the California Department of Tax and Fee Administration (CDTFA). Under the program released today, qualifying businesses can enter into payment plans to distribute up to $50,000 of sales tax liability over a 12-month period, interest-free. For taxpayers choosing to defer their 1st quarter 2020 liability, for example, up to $50,000 of the obligation would now be paid in twelve equal monthly installments, with the first payment not due until July 31, 2020.

Facebook : Small Business Grants Program

https://www.facebook.com/business/boost/grants/application-guide
Applications open NOW for the San Francisco Bay Area, San Mateo County. Up to 30,000 eligible small businesses in more than 30 countries where we operate will be able to receive the grant. To be eligible to apply, you must: Be a for-profit company, Have between 2 and 50 employees, Have been in business for over a year, Have experienced challenges from COVID-19, Be in or near a location where Facebook operates. Facebook is partnered with Ureeka to administer the application process. If you meet the eligibility requirements, you can apply. For details about the Small Business Grants Program, view the program Terms and Conditions and Grant Privacy Policy. If you’d like to learn more before applying, visit our small business grants guide to understand the process and next steps.

FEMA : Disaster Assistance

http://www.disasterassistance.gov
Businesses can begin to apply for FEMA Disaster Assistance while we await a disaster declaration to release these funds.

James Beard Foundation : Food and Beverage Industry Relief Fund

https://www.jamesbeard.org/relief
The purpose of the James Beard Foundation Food and Beverage Industry Relief Fund (the “Fund”) is to provide critical financial assistance to small, independent restaurants that, due to the COVID-19 (Coronavirus) national disaster, have an immediate need for funds to pay set operating expenses and keep from going out of business. Our goal is to do our part along with federal, state, and local governments to provide for workers, sustain local business, reduce the financial impact on communities, and otherwise mitigate the severe economic consequences of this global pandemic.

Restaurant Workers’ Community Foundation : COVID19 Crisis Relief Fund

https://www.restaurantworkerscf.org/
RWCF has established a Restaurant Workers COVID19 Crisis Relief Fund to: Immediately direct money to organizations leading on-the-ground efforts in the restaurant community; To bolster our impact investing budget to provide zero-interest loans to businesses to maintain payroll during closure or re-open once this crisis has passed; and To establish a relief fund for individual workers facing economic hardships or health crises as a direct result of COVID-19.

Salesforce : Care for Small Business Grant

https://essentials.salesforce.com/salesforce-care-for-small-business
Applications for CA open on April 27th at 8am and closes May 4th. To be eligible to apply, companies must: Be a for-profit company, Have between 2 to 50 employees, Have been in business for 2 full years as of March 2020, Have an annual revenue between $250k and $2M, Have experienced challenges from COVID-19, Meet all other eligibility requirements as stated in the Grant Program Terms linked here. Full Grant Program Privacy Policy can be found here. Please note that funds cannot be used for any new or existing Salesforce product or service expenditures.
https://grants.ureeka.biz/salesforce?eid=ss-esmb-or

San Mateo County : San Mateo Strong Fund

https://www.smcstrong.org
The fund has done round-one funding for small businesses and nonprofits. They are currently fundraising for secon-round funding. They have applications queued up to receive funding as it becomes available.

San Mateo Credit Union : Work Reduction Loan for Employees

https://www.smcu.org/Loans/Consumer-Loans/Personal-Loans/wrloan | (650) 363-1725
help with a low-rate fixed term loan to get you through this difficult and uncertain time. If you are facing some unpredictable challenges, our Work Reduction loan can provide you with some much-needed cash.

Small Business Finance Center (SBFC) : CA Small Business Loan Guarantee Program & Disaster Relief Loan Guarantee Program

https://www.ibank.ca.gov/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.

U.S. Chamber of Commerce Foundation : Save Small business Fund : $5,000 grants

https://savesmallbusiness.com
This fund has been depleted. We will update if more funds are added and applications reopen.

City

City of Half Moon Bay : Commercial Eviction Moritorium

On May 5th, the City Council voted to enact a short-term moratorium on commercial evictions. The goal of the moratorium is to allow businesses the ability to work with their building owners on a rental reprieve due to revenue losses from the COVID-19 Shelter-in-Place order. If a building owner needs to evict a commercial tenant, they may call the City Offices to discuss their situation.

City of Half Moon Bay : Telecommunications

The City is actively working with AT&T and Comcast to have those companies provide the Coastside with their highest possible speeds of internet and phone service. It is projected that a large portion of our area will be able to work from home in some capacity and therefore any bandwidth available will be needed to support work-from-home activities.

County

Great Plates Delivered

https://www.projectbaseline.com/study/covid-19/
Great Plates Delivered SMC matches participating restaurants with qualified residents, including those who are 65 and older, and adults 60-64 who are at high-risk from COVID-19, to deliver three (3) nutritious daily meals. Delivery is arranged by the food provider and requires that delivery workers are pre-vetted by background checks and other screening, likely tapping into existing delivery infrastructure. Local restaurants, caterers and food providers are strongly encouraged to apply immediately for the program, titled ‘Great Plates Delivered SMC’, and administered by County Health. All registered food businesses in San Mateo County were sent an email survey to invite participation and are encouraged to fill out the survey, linked here in English, Chinese, and Spanish.

Project Baseline : COVID-19 Testing

https://www.projectbaseline.com/study/covid-19/
Currently offering testing for COVID-19 to people in San Mateo County. Complete the online screener based on guidelines from public health officials. Based on the responses and testing appointment availability, people will learn whether you qualify for testing through this program at this time.

State

Small Business Finance Center (SBFC) : CA Small Business Loan Guarantee Program & Disaster Relief Loan Guarantee Program

https://www.ibank.ca.gov/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.

Department of Tax & Fee Administration (CDTFA) : Tax Filing Extension

The Governor’s executive order allows the California Department of Tax and Fee Administration (CDTFA) to offer a 90-day extension for tax returns and tax payments for all businesses filing a return for less than $1 million in taxes. That means small businesses will have until the end of July to file their first-quarter returns.

National

Comcast : Opens Xfinity WiFi Network Nationally for Free

https://hotspots.wifi.xfinity.com
On March 13th, Comcast announced COVID-19 based service changes to help kids stay connected to schools and adults connected to work. Xfinity WiFi Free For Everyone: Xfinity WiFi hotspots across the country will be available to anyone who needs them for free – including non-Xfinity Internet subscribers.

Comcast : No Disconnects or Late Fees during COVID-19

On March 13th, Comcast announced that they will not disconnect a customer’s internet service or assess late
fees if they contact Comcast and let them know that they can’t pay their bills during this period. Comcast's care
teams will be available to offer flexible payment options and can help find other solutions.

IRS : Tax Filing Deadline is July 15, 2020

For those who can't file by the April 15, 2020 deadline, the IRS automatically extended filing until July 15, 2020. This payment relief applies to all individual returns, including self-employed individuals, and all entities other than C-Corporations, such as trusts or estates. IRS will automatically provide this relief to taxpayers. Taxpayers do not need to file any additional forms or call the IRS to qualify for this relief.