Changes to our city services, stay informed. Click for COVID-19 Updates

Financial Assistance & Resources for Businesses

PAGE LAST UPDATED: August 12, 2020

County Health Order Business Closures as of July 13

On July 13, Governor Newsom announced that a number of indoor activities and industries will be closed statewide, and additional indoor activities and industries will be closed in counties that appear on the State’s “monitoring list” for three days or longer.  According to the State’s website

Effective immediately, California closes some indoor business operations statewide and additional indoor operations in counties on Monitoring List for 3 consecutive days. Statewide indoor closures include restaurants, bars and breweries, wineries & tasting rooms, movie theaters, family entertainment centers, zoos and museums, and card rooms. County indoor closures include fitness centers, places of worship, indoor protests, offices for non-critical infrastructure sectors, personal care services, hair salons and barbershops, and malls. County closures apply to counties that have been on the County Monitoring List for 3 consecutive days.

The statewide closures have been in effect since Monday, July 13 while businesses in Santa Clara County will be required to comply with the list of County closures starting at 12:01 a.m. on Wednesday, July 15. The list of industries closed for indoor operations is subject to the current County Public Health Order

Businesses allowed to operate outdoors by State and  County Health Orders may do so if business activities can be modified to operate outdoors. To operate outdoors, businesses must comply with California State Industry Guidance, the County of Santa Clara Health Order and Mandatory Directives, the professional standards issued by State Licensing Boards and Bureaus.

Businesses Facilities That Remain Closed

Business facilities that pose a high risk of COVID-19 transmission or large outbreaks must stay closed to the public. These include any indoor facility used for activities where face masks are removed (including indoor dining and bars, indoor swimming pools, saunas, heated exercise rooms, and smoking lounges), nightclubs, theaters, stadiums, arenas, music venues, indoor playgrounds and amusement centers, and non-residential adult and elder daycare facilities.

The State’s Stay-at-Home Order

In addition to the County Health Officer Order, businesses and residents must comply with the State’s Stay-at-Home Order. If there is a conflict between the two Orders, the more restrictive Order applies. Businesses that are allowed to open under the County Order should confirm that they are also allowed to open under the State Order. County residents who want to participate in activities allowed under the County Order, including gatherings, should confirm that those activities are also allowed under the State Order.

  1. General Requirements
  2. Social Distancing Protocol
  3. Signage
  4. Face Coverings
  5. Density Limitations
  6. Mandatory Directives
  • The Order urges County residents to reduce the risk of COVID-19 transmission by staying home as much as possible and minimizing trips and activities outside the home. 
  • Individuals over the age of 70 and those with serious underlying medical conditions should stay home other than for essential needs. 
  • The Order requires all individuals to strictly follow social distancing requirements when outside their home, and generally prohibits all activities that don’t allow for social distancing


All businesses must continue to require workers to do their jobs from home whenever possible. Workers can go into work only to complete the job duties they can’t complete from home.

Positive Case Reporting

All businesses (and governmental entities) are legally required to report to the Public Health Department within 4 hours if they learn that any of their workers are confirmed to be positive for COVID-19. They must also ensure workers alert them if they test positive.

Flexible Business Operation Guidelines for All Permitted Businesses

Now that the County Public Health Officer has relaxed operational restrictions for business allowed to operate under State and County Health Orders including retail, restaurant businesses and general business operations to encourage economic recovery during the COVID-19 pandemic, the City Council has authorized relaxation of the City’s development standards and permit processes to temporarily allow greater allowances for business operations. These Guidelines will serve as land use allowances until such time as the County Public Health Officer Order is discontinued or the City determines that such operational expansions are no longer warranted.

Business Operations for Campbell Avenue Street Closure

Businesses wishing to expand into the street must apply for an Encroachment Permit with the Public Works Department. See the Flexible Business Operation Guidelines for allowances, restrictions and how to apply for an encroachment permit.

Permit Process

An Encroachment Permit issued by the Public Works Department will be required for the temporary use of Campbell Avenue. Application processing fees will be waived in an effort to minimize business expenses necessary to support economic recovery efforts. Instructions on how to apply for an Encroachment Permit are included in this document. Provided permit applications are complete, permits can be processed in 1-2 business days from submittal.

Apply for an Encroachment Permit

Operations on Public Sidewalks

All permitted businesses in the Downtown area are eligible to expand business operations onto public sidewalks provided that enough space can accommodate outdoor business operations and provide access for pedestrians and people with disabilities. Outdoor business activity may be located beyond the applicant’s occupied tenant space and in front of an adjacent tenant space upon the written approval of that tenant. An Outdoor Display (includes all business services) or Outdoor Dining Permit will be required for the creation of or expansion to an existing display/dining area. The application processing fees will be waived. Contact the Community Development Department at to get started. See the Flexible Business Operation Guidelines for more details.

How to Apply

Contact the Planning Division to get started.


Phone: 408-866-2140

Operations on Private Property - Downtown Campbell

All permitted businesses may expand their operations within private parking lots and private common areas adjacent to their business locations. While no permits are required for outdoor business operations within private parking lots and private common areas, written approval from property owners is required for use of private property. See the Flexible Business Operation Guidelines for more details.

Flexible Business Operation Guidelines - Private Property Beyond Downtown Campbell

These guidelines apply to commercial retail and restaurant businesses located and operated entirely on private property.  Both retail and restaurant businesses are eligible to take advantage of these allowances thereby creating improved flexibility from any previously established land use entitlements received for the particular business. Although these are City-established guidelines, tenants will need property owner permission to implement such allowances. No city permits are required for expansion within private property. More information is available in the Flexible Business Operation Guidelines for Private Property

  1. Loans
  2. Grants
  3. Federal Resources
  4. State Resources
  5. Local Resources
  6. Online Events

SBA Loans Update

COVID-19 Recovery Information in Other Languages

The SBA is providing materials in other languages to help business owners with recovery efforts. Visit SBA.Gov for details.

Paycheck Protection Program Loan Forgiveness Application

On May 15, the Small Business Administration and U.S. Treasury Department released the Paycheck Protection Program (PPP) Loan Forgiveness Application. The form and its instructions inform borrowers how to apply for forgiveness of their PPP loans, consistent with the CARES Act.  SBA will also soon issue regulations and guidance to further assist borrowers as they complete their applications, and to provide lenders with guidance on their responsibilities. The form and instructions include several ways to reduce compliance burdens and simplify the process for borrowers. Visit SBA.Gov for details and access the application.

SBA Resumes Acceptance of Paycheck Protection Program Loan Applications

On April 27, the Small Business Administration resumed accepting applications for Paycheck Protection Program (PPP) loans. The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on payroll. SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. More details about the PPP loan program are available at SBA.Gov. You can also contact your lender for details.

As for Economic Injury Disaster Loans (EIDL) and EIDL loan advances, SBA is unable to accept new applications at this time as federal funding is not available. Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis. More information is available from the SBA’s website. You can also contact your lender.

For PPP loans, apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. Consult with your local lender as to whether it is participating in the program. Find local lenders with the SBA’s Eligible Lender Map Tool to get started. Apply online and check application status on the SBA Loan Application Portal. The Small Business Development Center of Silicon Valley can assist with applying for loans at no cost. 

Paycheck Protection Program (PPP) Loan Resources

Other Small Business Relief Options Provided by the SBA

Debt Relief

As part of our coronavirus debt relief efforts, the SBA will pay 6 months of principal, interest, and any associated fees that borrowers owe for all current 7(a), 504, and microloans in regular servicing status as well as new 7(a), 504, and microloans disbursed prior to September 27, 2020. This relief is not available for Paycheck Protection Program (PPP) loans or Economic Injury Disaster loans (EIDL). Borrowers do not need to apply for this assistance. It will be automatically provided based on specific criteria. Visit SBA.Gov for more information. You can also contact your lender for details.

Express Bridge Loan

The Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loan or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan. More information is available from SBA.Gov. The Small Business Development Center of Silicon Valley can assist with applying for loans at no cost. You can also contact your lender for details.

Contact Information

For updates on SBA loan information or if you have specific questions, contact the SBA’s District Office in San Francisco:    

You can also contact the Small Business Development Center of Silicon Valley for assistance:

Phone: 408-385-9800

More information about local SBA partners is available by clicking the Local Resources tab below.

Alternatives to SBA Loans

For alternative options to SBA loans, click the "Grants" tab below to learn about small business grants and no-interest and low-interest loan opportunities.

Coronavirus Aid, Relief and Economic Security Act (CARES)

Phase III of the federal government’s financial response to COVID-19, the Coronavirus Aid, Relief and Economic Security Act (CARES) provides $2 trillion allocated for businesses, individuals, federal agencies, and state and local governments. The CARES Act has been designed to distribute capital quickly and broadly. There are a number of provisions that impact small businesses. Visit the SBA’s Small Business Guidance & Loan Resources for a full list of financial assistance options. Specific assistance programs are summarized below. Access the Small Business Owner’s Guide to the CARES Act from the Small Business Development Center. 

Silicon Valley Community Foundation Small Business Relief Fund 

Hosted by Silicon Valley Community Foundation, the Small Business Relief Fund will provide immediate support to struggling self-employed and small business owners. SVCF will partner with Opportunity Fund, California’s largest nonprofit micro-lender, to ensure critical capital remains available to these entities throughout this crisis. More information about the Small Business Relief Fund is available from the Silicon Valley community Foundation.

Opportunity Fund

Opportunity Fund offers simple and affordable loans for business owners who may not qualify for traditional financing. Provide loans to under-served small business owners, including minority and women-owned businesses in low-income communities. Applicants may qualify for between $2,600 to $250,000, depending on the type of loan. Micro loans, which are typically $50,000 or less, may also be available. Loan terms range from 12 to 60 months.

Loans can be used for working capital, equipment purchases, tenant improvements, commercial vehicle purchases (excluding ride share cars), debt refinancing (such as merchant cash advances and tax liens), opening a new location, purchasing another business, and more. Call a loan consultant at 866-299-8173 or visit for more information.


Michael Thomas, Economic Development Specialist

Phone: 408-866-2192  Email: