Business Resources During Covid-19

During the Covid-19 pandemic, shelter-in-place edict, and economic recovery efforts, the HMB Coastside Chamber will continue to gather and update resources and ideas for our local businesses. If you know of something that could be useful to businesses or have a great idea, please email Kevin at [email protected]. Thank you!

Please help the Chamber gather data on Local Business Revenue Losses from COVID-19.
This data will aid in helping work towards economic recovery. Your help is deeply appreciated.

Click here for the short survey »

Financial Assistance Programs

United States : CARES Act

Congress passed the CARES Act (Coronavirus Aid, Relief and Economic Security Act) which includes support for small businesses and non-profit organizations through $377 billion in loans and loan forgiveness, as well as $454 billion in loans, loan guarantees, and other financial instruments for severely impacted industries and state and local government entities.

Some Key Financial SBA Programs
It's important to note that local financial institutions are awaiting official guidelines from the SBA.

  • Paycheck Protection Program Loans
    • Assistance through Boston Private : [email protected]
    • Assistance through Tri Counties Bank : Will start accepting applications once SBA finalizes the application requirements.
    • Assistance through U.S. Bank : Website Online Form
  • Small Business Debt Relief Program
  • Economic Injury Disaster Loans & Emergency Economic Injury Grants

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

Click here for an FAQ's PDF provided by the U.S. Senate Committee on Small Business & Entrepreneurship.

Paycheck Protection Program (PPP) Loans

The program would provide cash-flow assistance through 100 percent federally guaranteed loans to employers who maintain their payroll during this emergency. If employers maintain their payroll, the loans would be forgiven, which would help workers remain employed, as well as help affected small businesses and our economy snap-back quicker after the crisis. PPP has a host of attractive features, such as forgiveness of up to 8 weeks of payroll based on employee retention and salary levels, no SBA fees, and at least six months of deferral with maximum deferrals of up to a year. Small businesses and other eligible entities will be able to apply if they were harmed by COVID-19 between February 15, 2020 and June 30, 2020. This program would be retroactive to February 15, 2020, in order to help bring workers who may have already been laid off back onto payrolls. Loans are available through June 30, 2020.

Small Business Debt Relief Program

This program will provide immediate relief to small businesses with non-disaster SBA loans, in particular 7(a), 504, and microloans. Under it, SBA will cover all loan payments on these SBA loans, including principal, interest, and fees, for six months. This relief will also be available to new borrowers who take out loans within six months of the President signing the bill into law.

Economic Injury Disaster Loans & Emergency Economic Injury Grants

These grants provide an emergency advance of up to $10,000 to small businesses and private non-profits harmed by COVID-19 within three days of applying for an SBA Economic Injury Disaster Loan (EIDL). To access the advance, you first apply for an EIDL and then request the advance. The advance does not need to be repaid under any circumstance and may be used to keep employees on the payroll, to pay for sick leave, meet increased production costs due to supply chain disruptions or pay business obligations, including debts, rent, and mortgage payments.

Facebook : Small Business Grants Program
Facebook is offering $100M in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where we operate. We’ll share more details as they become available. They will begin taking applications in the coming weeks. In the meantime, you can sign up to receive more information when it becomes available.

FEMA : Disaster Assistance
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
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
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.

San Mateo County : San Mateo Strong Fund
On March 24, 2020 the San Mateo County Board of Supervisors approved $3,000,000 in emergency funding to support those most impacted in San Mateo County in partnership with the Silicon Valley Community Foundation. A process is currently being developed for the distribution of the funds. If you are a business or non-profit in need of economic help, watch thier website for more information on how to access help.  

San Mateo Credit Union : Work Reduction Loan for Employees | (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 Administration : Disaster Loan Assistance | (800) 659-2955 | [email protected]
SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance for a small business. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

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

Adaptive Working to Keep Business Moving

Top 10 Tips to Setup a Temporary Work From Home Office Successfully…
Henry Kayser, Leading the DACH Sales Team at Zoom Video Communications wrote a great article on some tips for working at home. Some of the tips seem obvious, but if you've never worked from home before, you might find it's hard to concentrate, find peace if kids are home too, and create meaningful boundaries with your laundry and chores. :)

Keep in Touch with Your Customers

Your clients have a lot going on at this time too...but you want them to remember you exist...and that you care about them. Ping your customers using phone, email, your website, social media, even carrier pigeon if that's your jam. Including good wishes, information about measures you’re taking to make your premises or products safe, and how you're handling customer inquiries can be good touchpoints.

Update Your Business Plan

If it has been a while since you visited your business plan, this is a great time to get caught up on it. You want to be ready for when you can resume "normal" operations with your best foot forward. With everything swirling around us, this might be the time where you gain the most insights on your business, inspiration on how your business can evolve to it's next bigger and brighter step...or you may noodle a perfect solution that allows your business to survive.

Finding What Work-Life Balance Looks Like

This is a "make the best of it" situation. Work-life balance is talked about alllllll of the time and one of the most common rebuttals from business owners and employees is "how can we possibly do it and still make the needed income". A lot of people think that if they're not on the hamster wheel they're failing. Not always true! Under the current shelter-in-place provisions, this may be a good time to understand how much work generates what percentage of your income, and can a reduction in work-time actually be possible to spend more time with family, friends, and hobbies. Fun fact...stressing doesn't really solve problems, a clear head does, and time away from the grind may be the golden ticket. The situation we are in is not going to be forever, but you might be able to find healthy work habits that do last.


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.


Project Baseline : COVID-19 Testing
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.

San Mateo County : What is Considered an "Essential Service"?

County FAQ's Webpage
The San Mateo County Health Officer’s Order defines essential activities as necessary for the health and safety for individuals and their families. Essential businesses allowed to operate during the recommended action include health care operations; businesses that provide food, shelter, and social services, and other necessities of life for economically disadvantaged or otherwise needy individuals; fresh and nonperishable food retailers (including convenience stores); pharmacies; child care facilities; gas stations; banks; laundry businesses and services necessary for maintaining the safety, sanitation and essential operation of a residence. In addition, health care, law and safety, and essential government functions will continue under the recommended action. 

San Mateo County : Legal Interpretation of the Health Order

San Mateo County has set up a phone number for 'Shelter in Place Order' questions at (650) 363-4588 (8:00am - 4:00pm) or email where local businesses can ask their questions in regards to the legal interpretation of the health order and what this means for their operations: [email protected].

San Mateo County Economic Development Association (SAMCEDA)

Working with County staff on a 'San Mateo County Strong Fund' similar to San Jose's fund to help small businesses, non-profits, and individuals with immediate needs. More info coming.


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


Comcast : Opens Xfinity WiFi Network Nationally for Free
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 Still April 15, 2020

The IRS is providing an extension for payment only; returns must still be filed timely by April 15, 2020.

For those who can't file by the April 15, 2020 deadline, the IRS reminds individual taxpayers that everyone is eligible to request a six-month extension to file their return. For individuals, income tax payment deadlines for individual returns, with a due date of April 15, 2020, are being automatically extended until July 15, 2020, for up to $1 million of their 2019 tax due. 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. For C Corporations, income tax payment deadlines are being automatically extended until July 15, 2020, for up to $10 million of their 2019 tax due.