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Financial Assistance & Resources for Businesses


Updated Shelter-in-Place Order Takes Effect May 22 

Beginning May 22, certain additional businesses and activities can resume in compliance with restrictions in the updated shelter-in-place order issued by the public health officer on May 18. The order also makes important changes to the social distancing protocol requirements for all operating businesses. This new order takes effect at 12:01 AM on Friday, May 22 and will remain in effect until the health officer amends or rescinds it.  This new health order replaces the previous shelter-in-place order that took effect on May 4. 

Where there are differences between the local public health officer’s order and the state’s order, everyone must follow the stricter restrictions. In some areas, the state order is stricter than the local order.

What’s New?

New categories of businesses and activities are allowed to resume, subject to specific conditions and restrictions. Key restrictions will remain in place such as requiring people to stay in their homes except when engaging in certain essential or allowed activities.  The activities and businesses allowed to reopen under the new order are referred to as “Additional Businesses” and “Additional Activities” and are explained in Appendix C-1 and Appendix C-2 respectively. Important changes to the social distancing protocol requirements for all operating businesses are included in the updated Social Distancing Protocol.

Additional Businesses  

Retail stores may reopen for sales, but only for curbside/outside pickup or by delivery. Customers are not allowed to enter these retail stores. These retail stores must also comply with several additional operating conditions, including:

  • Cannot move goods outside the store to display and sell.  
  •  Limit the number of workers inside the facility as described in the Order 
  • Must have direct access to a sidewalk, street, outdoor walkway, parking lot, or alley for pickup 

Businesses that support these retail businesses are allowed to resume operating, including those that manufacture goods sold at these stores and businesses that provide warehousing and distribution services.  

Outdoor museums, historical sites, and publicly accessible gardens are allowed to reopen, but visitors are restricted to outdoor areas.

Additional Activities  

The new order allows people to participate in car parades, so long as they ride in cars only with members of their households and do not leave the cars during the parade or stop to gather at a fixed location.  Bicycles and motorcycles are not allowed to join car parades. 

Social Distancing Protocol 

  • The May 22nd Order updates the Social Distancing Protocol (Appendix A to the Order) to incorporate new State of California requirements for training personnel and other measures.   
  • To operate, all businesses must complete a Social Distancing Protocol using the new template or update their Protocols to incorporate the new requirements. A copy of the Protocol must be distributed to all employees. 
  • To show that they are implementing the Social Distancing Protocol to keep their staff and customers safe from COVID-19, all businesses must print and post in a prominent place near the entrance to the businesses:

          1. A "COVID-19 Prepared" Sign (Included in the Social Distancing Protocol)

          2. A Social Distancing Protocol Visitor Information Sheet (Included in the Social Distancing Protocol)

  • All businesses must post signage required in the Social Distancing Protocol to educate customers about health and safety requirements. Sign templates are available from the County Public Health Department.  


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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: