COVID-19 Novel Coronavirus Recovery Resources

Your Chamber Is Here To Help You

During these critical times we want our members to know that their chamber is here to help. Please feel free to contact us by phone, (760) 753-6041, or email, ceo@encinitaschamber.com, with any questions or concerns you might have.

Together We Will Get Through This

Below are some very informative links:
We will continue to update this page as more information becomes available.

Helpful Resource Website Links

What You Need To Know

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Local Comment on Poll of Small-Business Owners
Governor praised for trying to help alleviate grim situation with action today


SACRAMENTO, Calif., April 2, 2020—From John Kabateck, California state director for NFIB, on the release of its poll showing 92 percent of small-business owners negatively affected by the coronavirus and about half of small employers saying they can survive for no more than two months, and about one-third believing they can remain operational for 3-6 months.

“Our poll of small-business owners details how unbelievably grim things are. In my conversations with NFIB members throughout the state, they’re not optimistic but they are resolved to give it a great fight before giving up. Governor Newsom has taken a number of commendable actions to help small businesses weather the coronavirus crisis, including today’s announced one-year reprieve of sales taxes. Small business has a proven ally in this fight, and we appreciate having him as a partner. We can only get through all of this together.”

Click here to read NFIB’s national news release and here for the six-page poll results with bar graphs on the results.

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A massive relief package that has been passed by Congress in response to COVID-19. The one provision we want to draw your attention to is the Paycheck Protection Program. This loan program is targeted at small businesses (including nonprofits, sole proprietors and independent contractors) and provides an incentive to keep workers on the payroll by providing each small business a loan for up to $10 million for payroll and certain other expenses. The loan is 100% forgivable if employees are kept on the payroll for eight weeks. You can find more information about it here. This money is expected to go quickly, so if you’re at all interested, we encourage you to reach out to a local SBA partner as soon as possible. This program becomes available on April 3rd.

Two resources for more detailed explanations:

The National Council of Nonprofits analysis of how the CARES Act benefits nonprofits.

The US Chamber Foundation informative WEBINAR VIDEO https://buff.ly/2wGVcds

This presentation summarizes all of the possibilities for nonprofit organizations to participate in the relief programs now available as a result of COVID-19.


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Answering the Top 5 COVID-19 Questions from California Nonprofits

There are increasingly good resources for how nonprofits can access federal funds and other federal-level resources, from organizations such as the National Council of NonprofitsNonprofit Quarterly, and field-based organizations like Americans for the Arts. We have started collecting them on our own resources page, but we’ve been getting similar questions from so many California nonprofits that we want to offer a few responses to what we see as the Top Five Questions for nonprofits right now.

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The Coronavirus Aid, Relief, and Economic Security (CARES) Act

Updated April 1st, 2020

The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program (PPP), the initiative provides 100% federally guaranteed loans to small businesses.


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Visit the San Diego & Imperial Small Business Development Center (SBDC) Website

Recovery and Resiliency Assistance: The US SBA and the State of California have low-interest loan options per the disaster declarations. The San Diego and Imperial Women’s Business Center (WBC) as resource partners of both the SBA and California Go-Biz, are here to provide small business owners no-cost guidance through your recovery process, including applying for disaster recovery loans if needed. We are still providing these services online, and will in-person again soon.


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COVID-19 Resources for North County Small Businesses

SDNEDC’s mission is to help increase North County prosperity for all its residents.  The current months are going to put tremendous strain on our region but remember, North County’s economy is highly diversified, has a workforce that is extremely talented and experienced, and an underlying set of supporting organizations that will help our region rapidly recover after the crisis passes.



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Complacency is the Enemy: Stop the Spread of this Virus While We Still Can

SAN DIEGOScripps Health today released the following statement from its President and CEO Chris Van Gorder urging more action to contain the coronavirus.

Like health care providers across the country, Scripps is working with our fellow health systems and we are in regular contact with county officials, state legislators and health care officials. Scripps applauds the work that has been done to date — California is one of very few states that have taken firm action and our county was willing to take action even before the state did.

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The Great American Buy Local Day

Support our local businesses and their employees. Order online from their store, give a positive online review, order pick up or delivery, get needed services on your home / auto / motorcycle, get repairs on your home or business, buy a gift card, or refer a friend to a business you love.

Let’s do our part on Tuesday, April 7th during The Great American Buy Local Day!

What ways can you support a local business? Who will you be helping?

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America’s Banks Are Here to Help: The Industry Responds to the Coronavirus

As the novel coronavirus disease (COVID-19) continues to impact communities across the country and the broader economy, America’s banks are making the health and well-being of their employees, customers and the communities they serve their top priority. Banks of all sizes are also taking steps to respond to the needs of individual and business customers directly affected, while continuing to execute their own business continuity plans under challenging conditions.

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SBDC Assistance On SBA Economic Injury Disaster Loans (EIDL)

The North San Diego Small Business Development Center is available to assist the business community with the SBA Economic Injury Disaster Loans. They will help you fill out the SBA EIDL application correctly before submitting it online.

Here is the process to go over the application:

  1. Client registers with the SBDC
  2. During registration select “COVID-19” as area of assistance
  3. SBDC will contact client and set up an initial telephone appointment with an advisor
  4. SBDC advisor will call the client at the appointment time and go over the SBA EIDL criteria, application documents
  5. If client, is interested in pursuing an EIDL the advisor will send them the needed forms to complete and email back to the advisor
  6. The advisor will provide feedback to the client

The client will then complete the online application.

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Applications for San Diego's Small Business Relief Fund

SAN DIEGO (CNS) — San Diego small businesses adversely affected by the COVID-19 pandemic can apply for the city’s Small Business Relief Fund starting at 5 p.m. Friday.

The $6.1 million fund provides grants and micro-loans ranging from $10,000 to $20,000 to help local small businesses retain employees and stay afloat amid various federal, state and local public health orders aimed at reducing the spread of COVID-19.

San Diego Mayor Kevin Faulconer announced the economic relief package last week, which has since increased from an initial $4 million announced by the city to $6.1 million.

The program is open to businesses that can show they have sustained economic hardship due to COVID-19, have a city business license and have been in operation for at least six months, Faulconer said in an announcement earlier this week.

Business with more than 100 employees, nonprofits and home-based businesses are among those ineligible for the fund.

Businesses can apply here. Those who can’t access the website due to high demand can download an application here, fill it out and email it to SDbusiness@sandiego.gov.

Collecting Unemployment When You're Self-Employed

Can you collect unemployment if you are working as a freelancer, independent contractor, or self-employed individual running your own business?

Self-employed workers, independent contractors, and freelance workers who lose their income are generally not eligible for unemployment benefits.

However, the federal government has expanded unemployment benefits to cover self-employed and gig workers.1 Here are examples of pandemic unemployment benefits for self-employed workers.


30% or more off your energy bill can help you rest a little easier.

CARE and FERA are two programs we offer that can provide you  with a monthly discount on your bill.  Simply complete our application and we’ll let you know if you qualify.

California Alternate Rates for Energy (CARE) –  Offers a 30% or more monthly bill discount.  Qualification is based on participation in certain public assistance programs or by income guidelines.

Family Electric Rate Assistance (FERA) –  If you’re not eligible for CARE, you may qualify for an  18% monthly bill discount through FERA.   FERA is only open to households with three or more people.  Qualification is based on income guidelines.

Fundraising & Advocacy Strategies for Nonprofits: Pandemic Response

In this webinar, “Fundraising & Advocacy Strategies for Nonprofits: Pandemic Response,” Katie Adams Farrell with Kerredyn Collaborative offers an overview of existing resources for nonprofits, strategies for dealing with lost revenue, and ways to advocate with your representatives for better relief for nonprofits. You’ll complete the webinar equipped to take timely and effective action to navigate these new circumstances.
Date & Time: Friday, April 3, 2020 10:00 AM – 11:00 AM PDT

What you need to know from Assembly Member Tasha Boerner Horvath:
Coronavirus (COVID-19) Resource Navigator


Dear Neighbors,

On March 4, 2020, Governor Gavin Newsom declared a state of emergency in response to the outbreak of the novel Coronavirus (COVID-19) in our state. Since then, the Legislature has released $1.1 billion dollars to fund emergency services to ensure the best response to the pandemic in our communities.

As the situation evolves, both statewide and particularly in the 76th Assembly District, the state is working in partnership with the Centers for Disease Control and Prevention (CDC) and the San Diego County Health and Human Services to mitigate the spread of the disease. As your State Assemblymember, I would like to help provide Encinitas, Carlsbad, Oceanside, Vista and Camp Pendleton with a way to navigate the many resources available.

This is a real-time emergency situation and we will be updating this page regularly. If you need assistance with any state agency, please feel free to call my district office at (760) 434-7605. My office and I are here to serve you!

Sincerely,

TASHA BOERNER HORVATH
Assemblymember, 76th District

How To Take Care Of Yourself & Others

Coronavirus (COVID-19): Small Business Guidance & Loan Resources


Health and government officials are working together to maintain the safety, security, and health of the American people. Small businesses are encouraged to do their part to keep their employees, customers, and themselves healthy.

Today, U.S. Small Business Administration Administrator Jovita Carranza announced changes to help borrowers still paying back SBA loans from previous disasters. By making this change, deferments through December 31, 2020, will be automatic. Now, borrowers of home and business disaster loans do not have to contact SBA to request deferment.

“The SBA is looking at every option and taking every action to cut red tape to make it easier for small businesses to stay in business. Automatically deferring existing SBA disaster loans through the end of the year will help borrowers during this unprecedented time,” said Administrator Carranza. “Today’s announcement adds a list of growing actions the SBA is taking to support small businesses. These actions include making it easier for states and territories to request a declaration so small businesses statewide can now apply for economic injury disaster loans, and changing the terms of new economic injury loans to allow for one-year deferments. We are working around the clock to find ways to assist small businesses and today’s action is one step in this process.”
Administrator Jovita Carranza

Here Are Three Links To A Recent Webinar,
Held By The U.S. Small Business Administration (SBA)

Disaster Assistance

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

To read full article and apply click on the button below.

News You Can Use

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Coronavirus (COVID-19)

Coronavirus (COVID-19) continues to dominate the news, raising concerns among individuals and for our economy. This page provides links to CalChamberfederalstate and local resources.

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CDC Small Business Finance Emergency Loan Program

Borrowers within the retail, services, entertainment, recreation, hospitality and food services industries are eligible to apply. Others may be considered and should speak to a CDC Deferment Specialist.  The program provides temporarily reduced loan payments to help you cover operating costs.

San Diego Blood Bank Issues Urgent Plea for Donations

The San Diego Blood Bank issued the following announcement this week:

School closures and work-from-home policies have resulted in cancelled blood drives. San Diego Blood Bank collects more than half of its blood supply on bloodmobiles. An additional strain on the blood supply is expected in the coming weeks.


EDC Statement on Coronavirus and the San Diego Economy

The San Diego Regional Economic Development Corp. has posted a statement regarding business response to the COVID-19 issue to its website. Selected portions are reprinted below:

Like much of the world, we’ve been watching as COVID-19 progresses. For the general population in San Diego, the risk of infection of COVID-19 is currently low. However, we’ve put together this page to provide guidance and support for San Diego businesses affected by the change.


Small Business Development Network Remains Open, Offers Resources

Small businesses and the local economy is being heavily impacted by the COVID-19 Epidemic.
The San Diego and Imperial Small Business Development Center Network (SBDC) is staying up to date with federal, state, and local public health officials to make sure the small business community has the current information, advice, programs and resources including access to capital at this critical time.

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COVID-19 Crisis Employment Opportunities in San Diego North County

During this time of unprecedented disruption, several businesses in North County are hiring to meet the demand of people sheltering at home and complying with state orders.

You can send job leads to ebruvold@sdnedc.org. Please include “Surge Hiring in North County” in the subject line, the name of the business, roughly how many positions you are hiring for (and job titles where useful) and then the best process for people to apply (website, phone, in person, etc.).

We promise a 2 hour turn around to get up on the web and distributed out to our partners. Please also let us know if information is out of date or any of the links become broken and we will update ASAP. One of the things we can do to help get through this crisis is provide people chances to get some normalcy in their lives, especially those who have experienced layoffs/job losses.


A Guide To Find Work During The Coronavirus Pandemic

How do you find a job when you can’t even leave your apartment?

While the coronavirus has many practicing social distance, it also has hundreds of thousands out of work and unsure what to do next. While their jobs have stopped, their bills haven’t.

Zippia created the most robust remote job search engine to help people from all backgrounds find work from home jobs.

In addition, we have all the resources outlined to help you survive this period of unemployment financially and a guide on what you should do next to secure a job.