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Financial Assistance & Resources for Businesses

PAGE LAST UPDATED: October 13, 2020

Santa Clara County Moves into State's Orange Tier Allowing More Businesses and Activities to Resume October 14 

All Businesses Must Submit an Updated Social Distancing Protocol by October 28

The County of Santa Clara released the following statement regarding its move to Tier 3 under the State's Blueprint for a Safer Economy:

On October 13, The County of Santa Clara moved into the State of California’s Orange Tier (Tier 3). The Public Health Officer’s new Revised Risk Reduction Order issued October 5 will go into effect October 14 at 12:01 a.m., which allows additional services in the County to operate, in accordance with the State order. Changes include allowing indoor dining and indoor gatherings, with limitations, and capacity increases for museums, zoos and retail operations.

The fact that these additional activities and capacity are now allowed should not be construed as implying such activities are safe. COVID-19 continues to pose a serious risk throughout our County. Everyone must remain cautious, maintain social distance, wear a face covering, and move activities outdoors when possible.

While the County is moving into a new tier, there are differences between what the State allows and what the County permits. Unless otherwise indicated in the local health order, all County businesses and activities can resume to the extent allowed under the Orange tier. The following business categories are now allowed to be open indoors with the following capacity limitations:

  • Outdoor gatherings of up to 200 people and indoor gatherings of up to 25% capacity or 100 people, whichever is fewer. This includes movie theaters, churches, cultural ceremonies. The State generally prohibits other gatherings.
  • Indoor dining up to 25% capacity or 100 people, whichever is fewer.
  • Indoor museums and zoos up to 50% capacity
  • College sports activities without fans following County and State requirements
  • No capacity limitation for malls and other retail businesses.

More information on the local health order is available in the Executive Summary and Revised Risk Reduction Order issued by the County.

New Social Distancing Protocol Required for All Businesses

Under the Revised Risk Reduction Order issued October 5, all businesses must complete a new Social Distancing Protocol by October 28 in order to operate Businesses can submit their new protocols here

Capacity Limitations

Capacity limitations are based on a facility's maximum occupancy unless otherwise stated. For example, indoor dining and indoor gatherings are limited to 25% capacity or 100 people, whichever is fewer. To help businesses determine their capacity limits when operating in the Orange Tier, the County Public Health Department has provided a tool to help calculate maximum capacity

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.


  1. General Requirements
  2. Social Distancing Protocol
  3. Signage
  4. Capacity Limitations
  5. Mandatory Directives


All individuals, businesses, and other entities in the County are ordered to comply with the applicable provisions of this Order.  For clarity, individuals who do not currently reside in the County must comply with all applicable requirements of the Order when they are in the County.  Governmental entities must follow the requirements of this Order applicable to businesses, but governmental entities and their contractors are not required to follow these requirements to the extent that such requirements would impede or interfere with an essential governmental function, as determined by the governmental entity, unless otherwise specifically directed in this Order or by the Health Officer.

Obligation to Follow Stricter Order

Where a conflict exists between this Order and any order issued by the State Public Health Officer or the Governor related to the COVID-19 pandemic, the most restrictive provision controls.  For clarity, all individuals and entities must comply with the State Order, any mandatory guidance issued by the California Department of Public Health, any mandatory orders of the Governor, or any other mandatory provision of State law to the extent it is stricter than any provision of this Order.  

Obligation to Follow Health Officer Directives and Mandatory State Guidance

All individuals and entities, including all businesses and governmental entities, must also follow any applicable directives issued by the County Health Officer and any applicable “COVID-19 Industry Guidance” issued by the California Department of Public Health, available at  To the extent that provisions in the directives of the County Health Officer and the guidance of the State Health Officer conflict, the more restrictive provisions apply.

Staying Home is the Best Way to Reduce Risk 

All people are strongly reminded that continuing to stay home as much as possible is the best way to prevent the risk of COVID-19, and therefore trips and activities outside the home should be minimized.  All activities that involve contact with people outside of one’s household increase the risk of getting COVID-19.

Older Adults and Individuals with Serious Underlying Medical Conditions

Older adults (those age 70 or older) and individuals with serious underlying medical conditions (including immunocompromised state, chronic kidney disease, chronic obstructive pulmonary disease, obesity, serious heart conditions, sickle cell disease, and diabetes) are strongly urged to stay in their places of residence except to access critical necessities such as food and medicine.  Adults aged 50 to 69 are encouraged to minimize activities and interactions with people outside their household to the extent practicable.


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.

Face coverings must be worn at all times and by all individuals as specified in the California Department of Public Health’s mandatory Guidance for the Use of Face Coverings (“Face Covering Guidance”) and in accordance with any specific directives issued by the County Health Officer. Further, even where not required under State or local guidance and orders, face coverings should be worn to the maximum extent possible (1) when indoors and not in one’s own residence and (2) whenever outdoors and within six feet of anyone outside one’s own household.

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.

Operations on Public Sidewalks - Downtown Campbell

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

The Small Business Administration stopped accepting Paycheck Protection Program applications August 8, 2020. Visit SBA.Gov for other available funding options.

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: