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

Small Businesses Update

6 updates for San Diego’s small businesses

Small businesses account for 98 percent of San Diego companies. In order to meet our regional goal of creating 50,000 quality jobs in small businesses by 2030, we’re committed to giving them the tools to succeed for when they’re ready to reopen.

PPP & EIDL: The deadline to submit a PPP application with an SBA lender is June 30. We strongly encourage you to apply or contact us for assistance applying before that date. In addition, the SBA has re-opened applications for Economic Injury Disaster Loans and Advance.

Here are additional updates to six small business resources you should know about.

Paycheck Protection Program (PPP)

With the passing of the PPP Flexibility Act, here is what you need to know:

    • Businesses may now spend their PPP funds over 24 weeks instead of 8 weeks.
    • Payroll requirements have been relaxed. The 75/25 rule for payroll and other expenses have been amended to a 60/40 split.
    • The employer deadline to rehire employees laid off between February 15 and April 26 has been extended to December 31.
    • PPP loans will not have to be repaid until after the forgiveness application has been processed. Businesses will have up to 10 months after their covered period ends to either apply for forgiveness or begin payments.
    • The act repeals a provision from the CARES Act that barred companies with forgiven PPP loans from deferring their payroll tax payments.
    • PPP loans approved after June 5 will have a minimum loan maturity period of five years, up from the current two-year deadline set by the SBA.

Economic Injury Disaster Loans and Advance (EIDL)
The SBA has re-opened applications for Economic Injury Disaster Loans and Advance.

Sole proprietors are eligible for up to $1,000 in grant funding for the loan advance. Business are eligible to receive $1,000 for each employee, up to a maximum grant amount of $10,000. Apply here.

Qualcomm Small Business Accelerator Program
Qualcomm will provide 25 small businesses with a tailored selection of products and services worth up to $25,000. This includes Always-Connected PCs, Wi-Fi systems, mobile phones, Bluetooth-enabled headsets and active mobile hotspots, along with technical/device integration and support. The program is geared toward small businesses with 100 employees or fewer. Apply by June 30.

City of San Diego Small Business Relief Fund (SBRF)
While the portal will remain closed, businesses that were able to submit an application may receive a grant between $2,500-$10,500.

Businesses previously ineligible due to the following criteria will now be eligible:

      • Businesses with zero employees
      • Businesses with a valid Business Tax Certificate as of April 15, 2020
      • Bankruptcy (personal or business) discharged by April 1, 2019
      • Receiving funding from other sources (i.e. PPP, EIDL, SBA loans, etc.)
      • Business located in San Diego AND owner lives outside of the City of San Diego (but cannot live outside the County of San Diego)

Main Street Lending Program (MSLP)
Recently launched by the Federal Reserve, this program focuses on providing loans to small and medium-sized businesses impacted by the COVID-19 crisis and too large to apply for a PPP loan. The program offers 5-year loans ranging in size from $250,000 to $300 million, with floating rates, and deferred principal and interest payments. For additional information, click here.

San Diego Small Business Reopening Guides
EDC has developed step-by-step reopening guides for retail establishmentsrestaurants & bars, and general businesses. These guides are in accordance with San Diego County regulations. They have been tested with local small businesses, and focus on health protocols and business advice for small and medium sized business owners. Funding, technical assistance, and childcare for working parents are also important to the long term recovery and resiliency of San Diego’s small businesses. Download your free guide.
Everyone has a role to play. Whether you’re a university, hospital, or software provider, if you work with small businesses, please share this information with your vendors and customers.

If you’re a small business that is looking for direct counseling, please request EDC’s support here.

For more business resources, including information about other relief programs, visit our COVID-19 resource page.

Business Sector Weekly Telebriefing Recap


Greetings,  

Thank you to everyone who was able to join us for our weekly COVID-19 Business telebrief. A special thank you to our telebriefing guests, Gary S. Johnston, Chief Resilience Officer / Agency Representative, San Diego Office of Emergency Services, and Dr. Thomas R. Coleman, Medical Director, Maternal, Child and Family Health, Health and Human Services Agency, for joining us to help inform and answer questions for the community about important COVID-19 topics.  

To recap, we discussed the following highlights: 

Our process for modifying the Public Health Order includes monitoring the 13 triggers in the COVID-19 Triggers Dashboard. This is important as we continue to reopen, we need to be able to measure and quantify any outbreaks or potential negative impacts from reopening. 

To reduce COVID-19 spread, there are 4 primary strategies that businesses should focus on: physical distance, face coverings, sanitation, and temperature checks. 

The Public Health Order has been updated and is effective as of June 16, 2020. 

This Friday, June 19, 2020, the most recent state guidelines will go into effect, which will allow an expansion of personal care services like nail salons, tattoo parlors, esthetician services, and massage parlors. In addition, expansions have been added to religious services, constitutionally-protected activities, and cultural services like weddings, which can now be held outdoors with no numerical limitations as long as people have room to social distance. 

Followed by Questions asked from the community, and answers: 

Temperature Screening Requirement  

  • Section 15 on Public Health Order states that temperature screenings are still required. The only exception is if a temperature check device is temporarily unavailable or not working, in which case the employer may instead ask screening questions about COVID-19 symptoms. [Posted 6/17/2020] 

Licensed Aesthetic Services Reopening  

  • Per state guidelines licensed aesthetic services can reopen starting Friday, June 19, 2020. [Posted 6/17/2020] 

Safe Reopening Plan for Wineries  

  • You do not have to submit the Safe Reopening Plan to the County. You take the guidance from the state, brief employees, and post the plan. Keep in mind that certain cities or jurisdictions might have a different requirement.  [Posted 6/17/2020] 

Notification Process when Employee Tests Positive for COVID-19  

  • The Health Department will initially get notified of a positive test. If a positive case was identified within a Business, the Business will be notified of the positive case, not of the individual. [Posted 6/17/2020] 

Distancing in Fitness Facilities 

  • Six feet is the minimum. If you can meet the six feet distance with the spread of your equipment to include the treadmill high exertion, you are meeting the guidelines. If you can provide additional spacing, consider doing that. [Posted 6/17/2020] 

Using Physical Barriers in Fitness Facilities 

  • Yes, if you cannot achieve six feet distancing you can use barriers in between exercise equipment to satisfy the six feet separation. [Posted 6/17/2020] 

Additional Measures for Fitness Facilities  

  • We do not see any additional guidelines coming from the state. [Posted 6/17/2020] 

Face Coverings in Fitness Classes  

  • On page two, section nine of the Public Health Order, it states that you leave your home,  should wear a face covering when you are within six feet of another person. If you are not near someone within six feet you can put your face covering down. [Posted 6/17/2020] 

Telecommuting Mandate Lifted  

  • It is highly recommended to telecommute when feasible, but it is not mandatory. [Posted 6/17/2020] 

Adult Technical/Vocational Schools  

  •  Technical and Vocational schools are considered higher education schools. Higher education schools are not open at the time. The exception is if the technical school is associated with an essential service, then they can operate. Please see section 21 of Public Health Order for a link to check if the technical school is an essential service. [Posted 6/17/2020] 

Tutoring Centers  

  • Tutoring centers are allowed and will follow the K-12 state guidelines. [Posted 6/17/2020] 

Manicure/Pedicure Services 

  •  You cannot have two people working on a manicure and pedicure at the same time. Please refer to page 12 on State Reopening Guidance. [Posted 6/17/2020] 

Skate Park Guidelines  

  • Please refer to the Outdoor recreation guidelines for guidance. Gatherings should be from household, not with friends. [Posted 6/17/2020] 

Reopening of Small Dance Facilities 

  • You can reopen. Depending on the age group follow the guidance that correlates with the group. For example, for a dance camp scenario, follow the day camp guidelines. For adults, you can follow the fitness facilities guidelines that talks about yoga and other type of group activities. [Posted 6/17/2020] 

Combination of Temperature Checks and Symptom Screenings 

  • The combination of temperature checks and symptom screenings is because there are populations that do not develop fevers, so it is optimal to determine any symptoms related to COVID-19. [Posted 6/17/2020] 

Guidance on Outdoor Weddings  

  • In our Safe Reopening Page weddings will be open as of Friday, June 19, 2020. They will follow the places of worship guidelines for the inside. For the outside, the natural setting will determine how many people can be there with six feet of distancing. There are no receptions or parties allowed. [Posted 6/17/2020] 

Gatherings Interpretations 

  • Gatherings are still not allowed. The gatherings from businesses that are reopening are more controlled with reopening plans and guidelines to follow than a gathering at a person’s house. There is still no guidance for gatherings. [Posted 6/17/2020] 

Pandemic Protocols for Law Enforcement  

  • Encourage to contact local jurisdiction to ask what protocols they have in place. [Posted 6/17/2020] 

Testing Positive Employer Requirements  

  • Local Health Department will get notification. Contact tracer will connect with those who were close contact in person. Epidemiology Department will help guide businesses on what notification needs to occur. [Posted 6/17/2020] 

Non-Compliance on State Guidance 

  • A person/business not complying may be cited. A business may temporarily shut down.  [Posted 6/17/2020] 

Graduations at K-12 Schools 

  • Graduations are not allowed except for drive in and drive through ceremonies. Please refer to page one, section four of the Public Health Order[Posted 6/17/2020] 

Visitor Requirements for Essential Vocational School  

  • Refer to reopening guidelines for schools to consider any type of guests visiting the facility. [Posted 6/17/2020] 

Stores Not Enforcing Face Coverings  

  • You can go to 2-1-1 website or call 2-1-1 and address the situation. They will forward the message accordingly. [Posted 6/17/2020] 

County Requirements on Type of Face Coverings  

  • There are no certain requirements for face coverings. [Posted 6/17/2020] 

Required Questions on Health Screenings  

  • There are no required questions.  [Posted 6/17/2020] 

Childcare County Guidelines  

  • The County is in alignment with state guidelines for childcare. [Posted 6/17/2020] 

Face Coverings for Daycare Staff and Children 

  • Staff must wear face coverings. It is optional for children. [Posted 6/17/2020] 

Guidance on Outdoor Playgrounds 

  • Outdoor playgrounds are not open. Waiting for state guidance. [Posted 6/17/2020] 

Websites/Resources mentioned:  

San Diego County Epidemiology Unit: (619) 692-8499 

Safe Reopening Page 

Public Health Order 

Child Care Programs and Providers Guidance 

Hotels, Lodging, and Short-Term Rentals Guidance 

Contract Tracing Informational Video 

We will be meeting again next Wednesday, June 24th from 9:30 AM – 10:30 AM. To request resources, ask questions, or address concerns, please contact COVID-Business@sdcounty.ca.gov. 

The Encinitas Fund
A Coastal Community Foundation Grant Program


The Encinitas Fund addresses local needs in Encinitas. Grants may be requested for new activities, to expand current programs, to make them more effective or to improve organizational efficiency in delivering services. Nonprofits may have an office outside of Encinitas but all grant funds must serve Encinitas communities. Grants will not be made to individuals, non-501c3 organizations, for fund raising events, endowment campaigns, research, travel, or religious or political advocacy.

Applications for 2020 are now available. Review the guidelines at the right of this page for details. Click on the link below to complete the application. DEADLINE: June 30, 2020

06-10-2020-FB-NOW-OPEN

OPEN NOW:
San Diego County’s List of Businesses That Are Open Now With Modifications

• Essential businesses
• Retail
• Restaurants
• Places of Worship
• Hair Salons / Barbershops
• Tanning Salons
• Landscape gardening
• Outdoor museum
• Car dealers / Washes
• Pet Grooming
• Peer Support Groups

OPEN AFTER JUNE 12, 2020:
(State’s list of businesses that can reopen after June 12, 2020 with modifications)

• Gyms
• Schools
• Film and music production
• Professional Sport (with no spectators)
• Bars and Wineries
• Hotels
• Cardrooms / Racetracks (with no spectators)
• Family entertainment (bowling, arcades)
• Museums / Galleries
• Zoos / Aquariums
• Medical Offices
• Dental Offices

CLOSED:
(Industries that still do not have State reopening guidelines available)

• Community Pools
• Nail / Facial Salons
• Saunas / Steam rooms
• Tattoo Parlors
• Massage businesses
• Movie Theaters
• Concerts / Festivals
• Theme Parks
• Higher Education

A Message From Governor Newsom

The state continues to move forward on allowing businesses to reopen. Today, Governor Newsom announced that counties approved for accelerated reopening, which includes San Diego, can begin to reopen hair salons and barbershops. Guidance for salon reopening can be found here. As with all business reopening in the County of San Diego, salons and barbershops will need to follow social distancing protocols and complete and post the County’s Safe Reopening Plan.

Scripps_250

A Message From Our Friends At Scripps

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SAN DIEGO’S REOPENING REFERENCE GUIDES

San Diego Regional EDC convened a broad coalition to develop reference guides to help local businesses reopen. These guides have been tested in focus groups, and align with local, state and national guidance. EDC recognizes that in order to get to a point where reopening guides such as these are useful, other issues, like childcare, must be addressed first. Download the guides below.

More Local Resources


For Small Businesses:
  • Verizon Small Business Recovery Fund: Fund that will provide grants of up to $10,000 to businesses and non-profits facing immediate financial pressure as a result of COVID-19, especially entrepreneurs of color, women-owned businesses, and other enterprises coming from underserved communities. Funds must be used on payroll, rent, utilities, outstanding debt to vendors, or any other immediate operational costs. The first round of funding is closed, however businesses can register here to receive updates on the new round beginning mid-April.
  • LISC and US Bank Foundation Business Improvement Grants: San Diego is one of five cities nationwide to benefit from a $500,000 donation from U.S. Bank to our local LISC. The money is to be distributed to small businesses in underserved communities facing financial pressure due to COVID-19 in the form of $5,000 grants.
  • Poway Assistance Recovery Loan (PEARL) Program: The City of Poway has committed up to $2 million in one-time funds from the City’s General Fund’s Extreme Events / Public Safety reserve to the PEARL Program, offering loan amounts ranging from $5,000 to $50,000 to small businesses in Poway, with no interest due until 90-days after the local state of emergency has ended. Loan applications are expected to open on April 23 at 12 p.m.
  • Loan Program for Unincorporated Areas: The County of San Diego is developing a loan program for small businesses in unincorporated areas that have suffered financially as a result of COVID-19. The program will give $5million in loans and will be overseen by the San Diego Foundation. Applications for the loan are not yet open, please check back for updates.
  • City of Carlsbad Small Business Loan: The City of Carlsbad is in the process of developing a small business loan program to cover costs not already covered by federal programs for small businesses negatively impacted by the COVID-19 pandemic.
For All Businesses:
  • SDG&E Late Payment Fee Waiver: SDG&E will waive late payment fees for business customers whose finances have been hit hard.
  • San Diego Workforce Partnership Assistance: If your business is in the process of laying off or furloughing employees, you are encouraged to submit a layoff notice through the San Diego Workforce Partnership (SDWP). SDWP is also offering a variety of support services to businesses to help them avoid layoffs.
  • Women’s Empowerment Loan Fund (WELF): San Diego Grantmakers and the International Rescue Committee have created a loan that provides low cost financing to women-owned businesses in San Diego. In addition to the loans, which will range from $5,000 – $25,000, the program includes resources such as expert coaching and assistance from the International Rescue Committee.
  • Main St. Matters Grant: Better Business Bureau Serving the Pacific Southwest is offering grants to businesses that have not received any other emergency funding. Businesses must be in good standing with BBB, upholding their standards for trust, and be located in the Pacific Southwest Region. Watch this short video for more information.
  • City of San Marcos COVID-19 Business Sustainability ProgramThe program will set aside up to $3,000,000 of the City’s General Fund Reserves for a short term business loan program available to businesses with a City of San Marcos business address.
  • South County Restaurant Loan: South County EDC is offering a no-interest loan to eating establishments in South County in order to provide some economic relief during these difficult times. Establishments can apply for a one-time $5,000 loan.
  • City of Oceanside Business Loan Program: A loan program for independently owned consumer-oriented businesses engaged in retail sales and consumer services such as retail shops, boutiques, and restaurants located in Oceanside.
For Non-Profits:
  • The San Diego Foundation COVID-19 Community Response FundEmergency grants and donations will be made to non-profit organizations that have deep roots and strong experience supporting impacted communities, particularly those that are disproportionately affected by the global pandemic and its economic consequences. Grant funding will focus on three critical areas: food security, rental and utility assistance, and income replacement or gap funding. In addition, the fund will provide interest free loans to non-profits.
  • Verizon Small Business Recovery Fund: Fund that will provide grants of up to $10,000 to businesses and non-profits facing immediate financial pressure as a result of COVID-19, especially entrepreneurs of color, women-owned businesses, and other enterprises coming from underserved communities. Funds must be used on payroll, rent, utilities, outstanding debt to vendors, or any other immediate operational costs.
For More Resources Visit The San Diego Regional EDC Website

SBA and Treasury Release Paycheck Protection Program Loan Forgiveness Application


WASHINGTON—Today, the U.S. Small Business Administration, in consultation with the U.S Department of the Treasury, released the Paycheck Protection Program (PPP) Loan Forgiveness Application and detailed instructions for the application.

The form and instructions inform borrowers how to apply for forgiveness of their PPP loans, consistent with the Coronavirus Aid, Relief, and Economic Security Act (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 measures to reduce compliance burdens and simplify the process for borrowers, including:

  • Options for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with borrowers’ regular payroll cycles
  • Flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan
  • Step-by-step instructions on how to perform the calculations required by the CARES Act to confirm eligibility for loan forgiveness
  • Borrower-friendly implementation of statutory exemptions from loan forgiveness reduction based on rehiring by June 30
  • Addition of a new exemption from the loan forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined

The PPP was created by the CARES Act to provide forgivable loans to eligible small businesses to keep American workers on the payroll during the COVID-19 pandemic.  The documents released today will help small businesses seek forgiveness at the conclusion of the eight-week covered period, which begins with the disbursement of their loans.

Click here to view the application and instructions.

Release Date: May 15, 2020                 Contact: Press_Office@sba.gov, (202) 205-7036
Release Number: 20-41                          Follow us on TwitterFacebookBlogs & Instagram

Leave Abuse under FMLA, ADA and Workers’ Comp: How Employers Can Deal with the Most Outrageous Excuses - HRCI and SHRM Approved


When: Thursday, June 11, 2020 from 10:00 AM to 11:30 AM (PDT)
Time: 10:00 AM to 11:30 AM
Format: Webinar
Host: Janette Levey Frisch
Fee: Varies per webinar  – discount code below
For more Information call 1 833-827-3272 (09:00 – 18:00 Hrs EST Monday – Friday)

This training program will focus on employee leave abuse under FMLA, ADA, and Workers’ Comp. It will help participants get a working knowledge of how an employer can minimize a company’s exposure to employee abuse of family and medical leave.

Why Should You Attend?

If you attended our webinar on Employee Leave under FMLA, ADA and Workers Compensation, then you now have a good understanding of how one or even all of these laws may apply to your employee’s request for a leave of absence. You are now ready to move on to an issue of great concern to many employers: employee leave abuse. Suppose one or more of your employees has taken a leave of absence, and your company or department is buckling under the added stress—and you suspect that one or more of those employees may be taking advantage, and may not really be in need of family or medical leave – or may even not be entitled to it – what can you do? You can curb employee leave abuse. But how do you do it? This webinar is the second in our series on employee leave, and it will help you get a working knowledge of how you can minimize your company’s exposure to employee abuse of family and medical leave – be it under the FMLA, ADA, or workers’ comp or other applicable family and medical leave laws.

Use Code – GET10 and get a 10% Discount

Creating A Plan To Safely Reopen San Diego Overview

The County of San Diego is facing an unprecedented emergency in responding to the COVID-19 pandemic. The primary goal of our entire response has been to keep the residents of our region safe and healthy, particularly our most vulnerable. The collective efforts of San Diegans have helped our entire region avoid the catastrophic impacts other places around the world have experienced. As we look toward the future, we know that life will not return to the way it was before until a pharmaceutical intervention exists. In light of this, the County has cautiously eased restrictions on recreation; and instituted additional safety measures such as facial coverings, as more San Diegans begin to leave their homes.

Updated 05/07/2020

Communicate With The Governor’s Office On Business Reopening

Since the County is waiting on guidance from the State, the County has recommended that entities/businesses email EssentialServicesInquiries@cdph.ca.gov with their letters requesting why they should be allowed to re-open in the initial phases of this process.

The Governor’s office is using this email as input/questions for essential services and the reopening.  Until the Governor releases his guidance on Thursday the County won’t know what he will allow to be open.  Once the Governor puts things in the hands of the counties on Friday, they will have contacts in place to interpret their orders, which will be written on Friday, as well as to talk to businesses on their questions on re-opening.  All businesses need to access the Safe Reopening Plan and complete it in anticipation of the day they can open.

Updated 05/07/2020

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SBA Issues New Regulations for Women-Owned Small Business Federal Contracting Program

WASHINGTON – The U.S. Small Business Administration today published Women-Owned Small Business  Federal Contracting program regulations that will provide a free, online certification and eligibility application process for women-owned small businesses and economically-disadvantaged women-owned small businesses. The timeline for implementation of changes to SBA’s WOSB program has been delayed to accommodate those affected by the current pandemic.   

Starting July 15, 2020, SBA will begin to implement changes consistent with the Small Business Act as amended in the National Defense Authorization Act for Fiscal Year 2015. In addition to the certification requirement for firms seeking WOSB and EDWOSB set-aside contracts, the regulations detail certification options for applicants and require authorized third-party certifiers to notify applicants of their fees and the option to use SBA’s free online certification process.

Below are some important timelines for firms to keep in mind:

  • The current self-certification process will remain available for firms until October 15, 2020,  in certify.sba.gov;
  • Between now and July 15, 2020, WOSBs must download their documentation, currently housed in the WOSB Program Repository, from certify.sba.gov;
  • On July 15, 2020, firms can begin submitting applications for initial processing; and
  • On October 15, 2020, SBA will begin issuing decisions on certification.

Updated 05/11/2020

SBA's Economic Injury Disaster Loan & Loan Advance Application Open To Agricultural Businesses Only

U.S. Small Business Administration Administrator Jovita Carranza announced today that agricultural businesses are now eligible for SBA’s Economic Injury Disaster Loan (EIDL) and EIDL Advance programs. SBA’s EIDL portal is reopened as a result of funding authorized by Congress through the Paycheck Protection Program and Healthcare Enhancement Act. The legislation, signed into law by the President one week ago, provided additional funding for farmers and ranchers and certain other agricultural businesses affected by the Coronavirus (COVID-19) pandemic.

“For more than 30 years, SBA has been prohibited by law from providing disaster assistance to agricultural businesses; however, as a result of the unprecedented legislation enacted by President Trump, American farmers, ranchers and other agricultural businesses will now have access to emergency working capital,” said Administrator Carranza. “These low-interest, long-term loans will help keep agricultural businesses viable while bringing stability to the nation’s vitally important food supply chains.”

Agricultural businesses include businesses engaged in the legal production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)). Eligible agricultural businesses must have 500 or fewer employees.

Updated 05/05/2020

The Success Of The Paycheck Protection Program (PPP)

Administrator Jovita Carranza and U.S. Secretary of the Treasury Steven T. Mnuchin today issued the following statement on the success of the Paycheck Protection Program (PPP):

“The Paycheck Protection Program is providing critical support to millions of small businesses and tens of millions of hardworking Americans.

“Since Round 2 of PPP loan processing began on April 27, 2.2 million loans have been made to small businesses which surpasses the number of all loans made in PPP Round 1.  The total value of these 2.2 million loans is over $175 billion.  Notably, the average loan size in Round 2 is $79,000, yet another indicator that the program is broadly based and assisting the smallest of small businesses.

“Nearly 500,000 of the loans were made by lenders with less than $1 billion in assets and non-banks.  These lenders include Community Development Financial Institutions, Certified Development Companies, Microlenders, Farm Credit lending institutions, and FinTechs.  Over 850,000 loans—about one third of the 2.2 million loans—were made by lenders with $10 billion of assets or less.

“Since the launch of PPP on April 3, SBA has processed over 3.8 million loans for more than half a trillion dollars of economic support in less than one month.

Update: 05/04/2020

Apply Now! SBA is Still Funding Paycheck Protection Program Loans.

The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the 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.

You can 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. You should consult with your local lender as to whether it is participating in the program.

Loan Overview

The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll). No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.

Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.

Updated 5/7/2020

Paycheck Protection Program Status Checks and Information Resources

  • Approved lending institutions have delegated authority for the PPP application process. Contact your lender for status information about your application.
  • SBA District Offices are not involved in the application process and cannot provide status information on your PPP loan application.
  • SBA and the Treasury are in the process of reviewing PPP questions from lenders and borrowers. Responses are being posted regularly on the SBA’s PPP page and the Treasury.gov/CARES site in category specific documents, such as Applicable Affiliation Rules, and FAQs for Faith-Based Organizations or in the Frequently Asked Questions document.
  • SBA District Offices are not authorized to provide responses to situation specific questions that have not already been posted to the FAQ document or other documents on the SBA’s PPP page or Treasury.gov/CARES site.
  • We encourage you to:
    • Follow the rules as they are currently posted
    • Document all transactions as they pertain to your use of the PPP funds you have received
    • Review the information posted on the sites linked above regularly and
    • Adjust your processes if needed as new information becomes available.

Updated 5/7/20

Additional Resources for Small Businesses

Updated 5/7/20

Round One PPP Loan Data (PDF)

PPP Deck

Updated 5/7/2020

Round Two PPP Loan Data (PDF)

PPP2 Data 05012020

Updated 5/7/2020

Town Hall with Congressman Mike Levin,
SBDC, San Diego North EDC, & City of Vista

Updated 05/05/2020

Give Your Input: California Recovery Roadmap Survey – Coronavirus COVID-19 Response

California is building a roadmap for modifying the statewide stay home order while maintaining community health and resiliency. We need Californians to give input on the best way to reopen different sectors of our economy.

Good ideas come from everywhere. The state has received many innovative proposals from California businesses and labor representatives on how they’re adapting their workplaces to reduce the risk of coronavirus transmission.

Now we’d like to hear from you– business owners, workers, customers – to get your feedback on physical and environmental adaptations that can make workplaces safer and protect our communities.

Help shape a more resilient future for California.  Fill out the California Recovery Roadmap Survey.

Updated 05/01/2020

You got a PPP Loan. What next?

A Webinar from SDNEDC held on April 30th 2020 covering how to best ensure that your loan through the PPP qualifies for as much forgiveness as possible. Our expert speakers were Jessica Dorsett, CPA and Paul Polito, CPA – both from Polito Eppich and Associates. Additional materials can be found at www.sdnedc.org.

Updated 05/01/2020

About The California.com Recommended Business Program

The California.com Recommended Business Program is exclusive to California-based businesses that have verified high-quality products or services, and demonstrate a commitment to serving their community.

PROGRAM BENEFITS

Helps customers quickly identify your business as a high-quality California establishment.

Serves as a gateway to your origin story. Story is increasingly influential in customer decisions.

Inspires your customers and wins their lifetime loyalty. Let us showcase your great work going beyond the bottomline to create positive impact.

YOUR BUSINESS WILL RECEIVE

A profile page with photos, your businesses’ unique California story and links to your site.

License to use California.com’s logo on your business website.

Potential inclusion in our upcoming articles and social media posts to 1M+ followers.

HOW TO BE PART OF OUR PROGRAM

1

Complete short online application form by June 1st
*May 15th for priority consideration

2

Selected business will be asked to provide a reference or documentation to validate the information in their application form.

3

Join our program with a simple agreement form.

Input needed: Small & Medium Business Support

In response to the COVID-19 pandemic, SDG&E launched various residential and business customer support programs and have posted them to our website – sdge.com/coronavirus. We continue to gather new ideas for additional small and medium business support and have convened an internal project team to evaluate and develop new program proposals. The team would appreciate if you could share your thoughts on any of the following questions, so we can better address the gaps and areas of need today and into the future.

 

  • What are the top 3 main concerns of the small/medium business population in Encinitas?
  • What concerns are not being filled by government subsidized programs that are important to maintaining these businesses?
  • What are you concerns on re-entry?
  • With payment plans, what repayment period is needed to smooth out the economic blow to these businesses?

The internal project team is meeting on Friday and has requested feedback by tomorrow at 3:00pm.

Updated 04/30/2020

Government Contracting Series Module 1: Establishing a Foundation for Success

Point of Contact: North San Diego SBDC (760) 795-8740

Program Format: Online Video or Podcast Training
Training Topics: Government Contracting
Description: Module 1: Establishing a foundation for success

Module 1 is the starting point for those seeking one-on-one assistance in pursuing government contracts: federal, state, and local.  The presenter will cover topics such as funding, bonding, staff/supply plans, and much more!  These areas are critical to your success when you are awarded a contract.

NEW CLIENTS: Upon the conclusion of Module 1; participants will receive the registration link for Module 2. New clients must complete all 9 modules prior to scheduling an appointment with advisor, Cheryl Brown.

Please feel free to access the corresponding handouts for Module 1:

Presentation

Outside Resources

Additional Action Items

Attendee Instructions: Please feel free to access the corresponding handouts for Module 1:

Presentation

Outside Resources

Additional Action Items

NEW CLIENTS: Upon the conclusion of Module 1; participants will receive the registration link for Module 2. New clients must complete all 9 modules prior to scheduling an appointment with advisor, Cheryl Brown.

Update: 04/30/2020

OSHA’s Response to Workplace Safety and Coronavirus Exposure

As employers seek to protect their workers from exposure to Coronavirus, either while maintaining operations or in anticipation of resuming operations, what is expected of them by OSHA is one area of concern and uncertainty. OSHA has issued guidance to cover three of the main questions: how should employers protect their employees; do employers have to record cases of COVID-19 on their injury logs; and how will OSHA conduct enforcement related to Coronavirus? OSHA has coordinated its approach with guidance from the Centers for Disease Control (CDC) with respect to various protective measures. Below are specific details about what OSHA has said on these various topics.

Update: 04/29/2020


A Backgrounder On Unemployment Insurance Under The CARES Act

The CARES Act significantly expanded access to the unemployment insurance (UI) system for American workers who suffer job losses or reduced hours through no fault of their own.

Here’s what you need to know.
1. Who is eligible?
Generally, to be eligible for unemployment insurance, workers must be able, available, and actively looking for work. However, states have some flexibility in interpreting these requirements.

Example: Furloughed workers may be considered “actively looking for work” if they expect to return to work for their employers when the economy reopens. But if they are called back to work and refuse, they will not be eligible for unemployment insurance.

Update: 04/29/2020


Covid-19 and Capital for Small Business (PPP)

If you have yet to apply for your PPP loan, here is a 30 minute video that will show what to do to prepare to apply for the PPP loan.

Updated 04/28/2020

Maximize your PPP Loan's Forgiveness

The Paycheck Protection Program (PPP) provides loans for small businesses to support your payroll and other basic expenses. The loan may be forgiven if at least 75% is spent on eligigble payroll costs and no more than 25% on rent, utilities, and/or mortage interest. All expenses must occur during an 8 week period following your receipt of loan funds.

Updated 04/28/2020

JPW Communications Presents
Pivot To Online Business – The Basics On How To Operate Your Business Online

Presenters:
Jenny Windle, Founder & President
Susanne Bankhead, Vice President, Client Affairs
Leslie Spring Senior Communications Manager

Updated 04/27/20

Updated COVID-19 Resources for Businesses

The County of San Diego wants to ensure that the community is being provided the support and resources they need to prepare for and prevent the spread of the COVID-19 virus in our region. The Business Sector has several resources and materials that provide essential information on this rapidly evolving public health situation with local, state, and national guidance. These materials are tailored to a variety of organizations, agencies, and groups that can be posted in your business or distributed to the business community.

To request the following items available in English or Spanish for your business, please e-mail COVID-Business@sdcounty.ca.gov with your contact information, drop-off location, and delivery instructions. A member of our Outreach & Education Team will contact you to coordinate drop-off and obtain any additional details (if necessary).

Additional PDF formats, resources, and materials are available here for your use.

(Source: County of San Diego)

Updated 04/27/20

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BBB Scam Alert: Small Businesses, Don’t Fall for This Phony SBA Grant Offer

Small business owners are getting hit with a lot of information and making tough decisions on how to survive the COVID-19 crisis. Emails are coming in from every direction about local, state, and federal government relief loans. They’re also sifting through advice on how to keep employees, maintaining a safe work environment and tips on how to stay cybersecure online. With all of these messages flooding their inbox, social media, and phone, it’s easy to mistake a scam for a real offer.

Updated 04/27/20

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Unemployment Insurance: A Guide for Employers with Newly Displaced Workers

The COVID-19 pandemic has displaced millions of California workers in a startlingly brief period — and it’s expected to get worse. According to a recent Economic Roundtable report, 43 percent of Californians are at high risk of unemployment. As millions of displaced workers seek economic relief in the form of California’s Unemployment Insurance (UI) program, the federal government has stepped in to supplement it (and each state’s UI program) with funding through the Coronavirus Aid, Relief, and Economic Security (CARES) Act.

Through no fault of their own, many employers have been forced to cut their workforces, and they want to help their displaced workers through these trying times. Let us guide you and your newly displaced workers through the UI benefit process in California.

Updated 04/27/20

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TOOTRiS Commits Additional Resources to Support Child Care Providers & Essential Workers During COVID-19

SAN DIEGO, April 22, 2020 /PRNewswire/ — TOOTRiS, a technology enabled service provider that connects parents with high-quality Child Care, today reaffirmed its commitment to ensuring that Child Care and early learning programs are fully supported as they provide essential services to our communities.

During the current health crisis, many center-based Child Care programs have had no option but to close, leaving essential workers like nurses, first responders and service workers scrambling to find Child Care alternatives. The Family Child Care providers (“FCCs”) who are still open but struggling to maintain operations are a crucial alternative for essential workers during this unprecedented reality and will be vital to businesses as we emerge from this difficult time. According to a recent NAEYC survey, over a third of California’s Child Care providers stated that they would not survive closing without significant support.

Updated 04/27/20

Tootris Commits Additional Resources To Support Child Care Providers & Essential Workers During COVID-19

SAN DIEGO, California – April 22, 2020 (source: PRNewswire)

TOOTRiS, a technology enabled service provider that connects parents with high-quality Child Care, today reaffirmed its commitment to ensuring that Child Care and early learning programs are fully supported as they provide essential services to our communities.

During the current health crisis, many center-based Child Care programs have had no option but to close, leaving essential workers like nurses, first responders and service workers scrambling to find Child Care alternatives. The Family Child Care providers (“FCCs”) who are still open but struggling to maintain operations are a crucial alternative for essential workers during this unprecedented reality and will be vital to businesses as we emerge from this difficult time. According to a recent NAEYC survey, over a third of California’s Child Care providers stated that they would not survive closing without significant support.

Updated 04/27/20

Coronavirus (COVID-19) Update: FDA Authorizes First Test
For Patient At-Home Sample Collection

 

The U.S. Food and Drug Administration authorized the first diagnostic test with a home collection option for COVID-19. Specifically, the FDA re-issued the emergency use authorization (EUA) for the Laboratory Corporation of America (LabCorp) COVID-19 RT-PCR Test to permit testing of samples self-collected by patients at home using LabCorp’s Pixel by LabCorp COVID-19 Test home collection kit.

“Throughout this pandemic we have been facilitating test development to ensure patients access to accurate diagnostics, which includes supporting the development of reliable and accurate at-home sample collection options,” said FDA Commissioner Stephen M. Hahn, M.D. “The FDA’s around-the-clock work since this outbreak began has resulted in the authorization of more than 50 diagnostic tests and engagement with over 350 test developers. Specifically, for tests that include home sample collection, we worked with LabCorp to ensure the data demonstrated from at-home patient sample collection is as safe and accurate as sample collection at a doctor’s office, hospital or other testing site. With this action, there is now a convenient and reliable option for patient sample collection from the comfort and safety of their home.”

This reissued EUA for LabCorp’s molecular test permits testing of a sample collected from the patient’s nose using a designated self-collection kit that contains nasal swabs and saline. Once patients self-swab to collect their nasal sample, they mail their sample, in an insulated package, to a LabCorp lab for testing.  LabCorp intends to make the Pixel by LabCorp COVID-19 Test home collection kits available to consumers in most states, with a doctor’s order, in the coming weeks.

The LabCorp home self-collection kit includes a specific Q-tip-style cotton swab for patients to use to collect their sample. Due to concerns with sterility and cross-reactivity due to inherent genetic material in cotton swabs, other cotton swabs should not be used with this test at the present time. The FDA continues to work with test developers to determine whether or not Q-tip-style cotton swab can be used safely and effectively with other tests.

This authorization only applies to the LabCorp COVID-19 RT-PCR Test for at-home collection of nasal swab specimens using the Pixel by LabCorp COVID-19 home collection kit. It is important to note that this is not a general authorization for at-home collection of patient samples using other collection swabs, media, or tests, or for tests fully conducted at home.

The FDA, an agency within the U.S. Department of Health and Human Services, protects the public health by assuring the safety, effectiveness, and security of human and veterinary drugs, vaccines and other biological products for human use, and medical devices. The agency also is responsible for the safety and security of our nation’s food supply, cosmetics, dietary supplements, products that give off electronic radiation, and for regulating tobacco products.

Disaster Assistance Loans for Small Businesses – Updates & How To Apply

At SBDC we know there is a lot of confusion and frustration during this crisis. We have helped thousands of small business owners and are here to help you still. As always, you can email your SBDC advisor or request our services online.

We are excited that the US Senate passed the next stimulus and that the House is expected to approve it tomorrow, allowing the President to sign it into law. This will allow the SBA to re-open both PPP and EIDL. Here are some basics about both programs to know:

Paycheck Protection Program (PPP):

  • If you applied with a lender and did not receive an approval, you most likely will have your information submitted by the lender to the SBA when they again have access to the SBA approval system. Check with your lender, but otherwise you don’t need to do anything.
  • If you have not applied, lenders are still accepting applications. You can review the on-demand webinar (link below) to know what you need to do. Your SBDC advisor can also help you. Make sure the lender is approved by the SBA.
  • If you have been approved, work with your SBDC Advisor to make sure you can take full advantage of the forgivability of the PPP.

Economic Injury Disaster Loan (EIDL):

  • If you applied prior to March 30, those applications are being processed. If you have not heard anything from the SBA, you can call 800-659-2955.
  • If you applied using the simplified application (www.covid19relief.sba.gov) you should have or will soon receive the up to $10,000 advance. Please check your bank account. It will show up in your account.
  • If you have not applied, please watch the on-demand video and get with your SBDC advisor. The EIDL application should open up after the President signs the next stimulus into law.
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On-Demand Webinar: Covid-19 and Capital for Small Business (PPP Focus)

The Paycheck Protection Plan (PPP) is a new program from the US Small Business Administration (SBA) to help small businesses retain their employees by providing loans that can be forgiven if used for payroll purposes. This program started on April 3 with a few lenders. At SBDC we know many more lenders and banks will begin to offer the program this coming week. Here is a 30 minute video that will show what to do to prepare to apply for the PPP loan.

Status: Open – 2027 places remaining
Fee: No Fee

Point of Contact: San Diego & Imperial SBDC Network
Contact Phone Number: (619) 482-6388

Program Format: Online Video or Podcast Training
Training Topics: COVID-19 General Support
Description:

Covid-19 public health measures are impacting the small business community. This on demand webinar will review the capital options that exist as of today and review what help is out there for small business owners.

  • SBA Disaster Loans (EIDL and PPP)
  • This video only touches on EIDL, but includes a detailed walk through on the PPP application prep
  • Guidance on how to get capital and what to do

Registration is required to receive the link to the recording

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On-Demand Webinar: Covid-19 and Capital for Small Business (EIDL Focus)

This 30 minute recording will discuss options and tips for a small business to apply for the Economic Injury Disaster Loan. This is the loan that can provide up to a $10,000 advance. The loan is direct from the US Small Business Administration (SBA) and to be used for working capital.

Status: Open – 1633 places remaining
Fee: No Fee

Point of Contact: San Diego & Imperial SBDC Network
Contact Phone Number: (619) 482-6388

Program Format: Online Video or Podcast Training
Training Topics: Business Financing, COVID-19 General Support

Description:
Covid-19 public health measures are impacting the small business community. This on demand webinar will review the capital options that exist as of today and review what help is out there for small business owners.

  • SBA Disaster Loans (EIDL and PPP)
  • This video only touches on PPP, but includes a detailed walk through on the EIDL application
  • Guidance on how to get capital and what to do

Registration is required to receive the link to the recording.

Resources for Small Businesses

The SBA is committed to helping small businesses recover from the economic impact of COVID-19. Assistance includes:

Funding: SBA 7(a), 504 and microloans, on which the SBA is offering Debt Relief; or, SBA Express Bridge Loans.
Advising: The SBA Resource Partner Network for business resiliency readiness advising, and training.
Tax Relief: IRS information about tax relief for businesses.
California COVID-19 guidance and resources: Emergency resources for California businesses.

SBA processed more than 14 years’ worth of loans in under 14 days

You need to reapply for the Economic Injury Disaster Loan Advance if you applied before March 30th, or mailed, faxed, uploaded, or emailed your EIDL application.

The Paycheck Protection Program and Economic Injury Disaster Loans are saving millions of jobs, providing much-needed relief, and helping America’s small businesses make it through this challenging time.

The SBA is currently not accepting new applications for the Paycheck Protection Program due to a lapse in appropriations.

Also, the SBA is not accepting new applications for the Economic Injury Disaster Loan (EIDL) COVID-19 related assistance program, including EIDL Advances, based on available appropriations funding. Applicants who already submitted their applications will continue to be processed on a first-come, first-served basis.

As of April 16, California had 112,967 approved PPP loans for a total of more than $33.4 billion.

See all PPP loan data.

SBA’s Economic Injury Disaster Loan and Loan Advance Status Checks and More 

  • Please contact the Disaster Customer Service Center at: 1-800-659-2955 or TTY: 1-800-877-8339 for status checks.
  • SBA District Offices do not have access to the disaster loan processing systems, so we cannot check your application status.
  • The EIDL application system does not send a confirmation email.
  • You will receive an email or postal letter from an SBA disaster loan processing representative when they are ready to work with you on your loan application. Be sure the email is coming from an email address with the ending “@sba.gov”.
  • Existing EIDL applications are being processed in the order in which they were received. We do not have a timeline for the processing and disbursement of the EIDL and Loan Advance.
  • EIDL Advances are in the process of being disbursed as of Friday, April 10th.
  • EIDL Advances are based on number of employees – $1,000 per employee up to $10,000. Businesses with (0-1 employee) will receive $1,000.

Paycheck Protection Program Status Checks and Information Resources 

  • Approved lending institutions have delegated authority for the PPP application process. Contact your lender for status information about your application.
  • SBA District Offices are not involved in the application process and cannot provide status information on your PPP loan application.
  • SBA and the Treasury are in the process of reviewing PPP questions from lenders and borrowers. Responses are being posted regularly on the SBA’s PPP page and the Treasury.gov/CARES site in category specific documents, such as Applicable Affiliation Rules, and FAQs for Faith-Based Organizations or in the Frequently Asked Questions document.
  • SBA District Offices are not authorized to provide responses to situation specific questions that have not already been posted to the FAQ document or other documents on the SBA’s PPP page or Treasury.gov/CARES site.
  • We encourage you to:
    • Follow the rules as they are currently posted.
    • Document all transactions as they pertain to your use of the PPP funds you have received.
    • Review the information posted on the sites linked above regularly.
    • Adjust your processes if needed as new information becomes available.

Beware of Scams and Fraud Schemes

The Office of Inspector General recognizes that we are facing unprecedented times and is alerting the public about potential fraud schemes related to economic stimulus programs offered by the U.S. Small Business Administration in response to the Novel Coronavirus Pandemic (COVID-19). The Coronavirus Aid, Relief, and Economic Security (CARES) Act, the largest financial assistance bill to date, includes provisions to help small businesses. Fraudsters have already begun targeting small business owners during these economically difficult times.  Be on the lookout for grant fraud, loan fraud, and phishing.

Report any suspected fraud to OIG’s Hotline at 800-767-0385 or online.

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PPP Loan – Best Practice Recommendations & Calculating The Loan Forgiveness

As was expected, the initial funding of the Payroll Protection Program loan (PPP loan) totaling $349 billion ran out on Thursday.  There is a big push to Congress for additional funding.  If your loan was in the queue but not approved, it would be wise to leave it in the queue with your bank, but consider a back up application with another lender.  It appears that many large banks were unsuccessful in serving the small business community. From our limited inquiries, it appears that small banks with SBA loan experience were far more successful. We may be able to assist with a referral if you need one.

If you successfully applied and received approval for the Payroll Protection Program loan (PPP loan), Congratulations! You will receive the funds within 10 business days of the approval.   Now, for the job of accounting for these funds so that you can maximize the forgiven portion as much as possible.  The day the loan is funded is day 1 of the 8-week covered period.

We have outlined a few recommendations to consider in order to document the use of the loan proceeds, including a calculator to determine how much will be forgiven.

  1. Hold funds in a separate account: the bank will deposit the loan proceeds into your account, likely an operating account.  We recommend you move the loan proceeds into a separate account completely separate from all other company funds.
  2. Immediately identify the 8-week covered period and plan accordingly to maximize the qualified expenses within this period.  Create a budget considering the following:
    1. How many payroll cycles will occur?
    2. Are any employees owed commissions or bonuses that can be paid out (see compensation cap in #3)
    3. Do you need to catch up on payroll payments to employees that may have taken reduced compensation as a result of the COVID-19 crisis?
  3. Understand what expenses can be paid for with the PPP loan: this loan is very restrictive.
    1. Payroll costs included gross wages (capped at $100,000 annualized compensation), benefits (health insurance, retirement contributions, state payroll taxes); LESS any payroll tax credits taken for the required COVID-19 related sick or family leave time
    2. Rents, utilities, and mortgage interest
    3. Interest on debts incurred prior to February 15, 2020
    4. Note – 75% of the funds MUST be used for payroll
    5. If you received a $10,000 “grant” connected with the EIDL loan from SBA, it reduces your forgiveness

Senate Votes To Increase CARES Act Funding For Small Businesses

Dear Encinitas Friends,

This afternoon, the U.S. Senate approved additional funding for the Paycheck Protection Program (PPP), as well as the SBA Economic Disaster Loan Program.  We expect the House to vote on this bill on Thursday, April 23rd.   Click here to urge you member of Congress to support this desperately needed funding.

A top line summary and text of the bill are linked below; here are some of the highlights:

$310 billion increase (total of $659 billion) for Paycheck Protection Program (PPP)

  • $30 billion set aside for loans made by Insured Depository Institutions and Credit Unions that have assets between $10 billion and $50 billion; and
  • $30 billion set aside for loans made by Community Financial Institutions, Small Insured Depository Institutions, and Credit Unions with assets less than $10 billion
  • No changes to eligibility for the PPP (No fix for (c)6’s and other nonprofits)

$10 billion increase (total of $20 Billion) for EIDL Grants and an additional $50 billion to support EIDL Loans

  • Allows agricultural enterprises as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b)) with not more than 500 employees to receive EIDL grants and loans.

Unfortunately, this legislation did not include a change to allow 501(c)(6) chambers of commerce and other nonprofits to access the PPP.  While this is disappointing, it is not surprising.  In fact, it is a reminder that we need to keep the pressure on Congress to include all non-profits in the PPP when they move to consideration of the Phase Four bill.  Therefore, if you have not already done so, please be sure to sign our letter to Congress by Thursday at 4:00pm ET / 2:00pm MT / 1:00pm PT / 10:00am Hawaii.  Click here to read and sign the letter.

Thank you for all that you are doing, and please let us know if you have any questions.

Jennings Imel / Vartan Djihanian
Western Regional Office
U.S. Chamber of Commerce
jimel@uschamber.com / vdjihanian@uschamber.com
Office: 818-884-0702

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AT&T Offers Added Relief for Customers

AT&T is planning on being here to help you stay connected throughout the COVID-19

pandemic. We recognize that staying in touch with your family, friends, school and work has never been more important. Below are a few ways we’re helping consumers, small businesses, and enterprises across the country. Consistent with FCC Chairman Pai’s “Keep Americans Connected Pledge,” AT&T is proud to support our customers by pledging that, until May 13th, we will:

  1. Not terminate the service of any wireless, home phone or broadband residential or small business customer because of their inability to pay their bill due to disruptions caused by the coronavirus pandemic.
  2. Waive any late payment fees that any wireless, home phone or broadband residential or small business customer may incur because of economic hardship related to the coronavirus pandemic.
  3. Keep our public Wi-Fi hotspots open for any American who needs them.

Learn more by clicking on the button below.

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COVID-19 (Coronavirus) Update: California Roadmap to
Modify Stay-at-Home Order

The Governor released California’s “Roadmap to Modify the Stay-at-Home Order.” It outlines six key indicators that we will have to reach in order to make it safe for us to return to normal life in a methodical and sustainable way:
  1. The ability to monitor and protect our communities through testing, contact tracing, isolating, and supporting those who are positive or exposed.
  2. The ability to prevent infection in people who are at risk for more severe COVID-19.
  3. The ability of the hospital and health systems to handle surges.
  4. The ability to develop therapeutics to meet the demand.
  5. The ability for businesses, schools, and childcare facilities to support physical distancing.
  6. The ability to determine when to reinstitute certain measures, such as the stay-at-home orders, if necessary.
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COVID-19 San Diego Drive Thru Test Site:

One Medical opened a drive-thru testing site in UTC two weeks ago with the ability to test anyone concerned about coronavirus, including those most at risk like front line workers including health care and first responders, grocery and restaurant workers.

One Medical is waiving their annual membership fee (normally $199) for everyone, so every person who wants a test can get one.

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How To Help Your North County San Diego Community

We are honored to partner with the Coastal Community Foundation and Rancho Santa Fe Foundation to establish the North County COVID-19 Response Fund to serve the basic needs of vulnerable populations in North County San Diego. The accelerating scale of COVID-19 and its ripple effects are hitting vulnerable community members already at the brink of not being able to make ends meet especially hard.

We are grateful to a consortium of initial donors who have already contributed to launch this Fund. Having already made grants to six regional organizations, the Fund committee is seeing immense need that will only continue to increase. The community is counting on your support.

U.S. Chamber of Commerce Save Small Business Initiative

Earlier this afternoon, the U.S. Chamber unveiled its Save Small Business Initiative to address the immediate needs of the small business community, mitigate closures and job losses, and mobilize support for long-term recovery in the wake of the economic destruction of the COVID-19 pandemic.

In addition to a call to action for the larger business community and government to help small businesses, the four-part campaign includes supplemental financial assistance, advocacy, resources, webinars and guides, and research.

The U.S. Chamber Foundation is supporting the supplemental financial assistance by launching their Save Small Business Fund. Funded by contributions from corporate and philanthropic partners, the U.S. Chamber Foundation will be providing $5,000 supplemental grants to small employers in economically vulnerable communities.

Applications for the Save Small Business Grant Fund will open this Monday, April 20, 2020, at 3:00 p.m. ET. There are several eligibility requirements which can be found here.  We encourage you to share this information with your members so they can apply for a supplemental grant if they are eligible. Chambers of Commerce may also apply if they meet the eligibility requirements

For more information on the Save Small Business Grant Fund including qualifications, the application process and FAQs, please click here.

SBA Coronavirus Pandemic Disaster Loans Comparison Matrix

The Paycheck Protection Program prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses.

Small businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards.

  • For a top-line overview of the program click HERE
  • If you’re a lender, more information can be found HERE
  • If you’re a borrower, more information can be found HERE
  • The application for borrowers can be found HERE

The Treasury Department has posted the following documents related to the “Paycheck Protection Program” providing loans for small businesses at https://home.treasury.gov/cares.

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Premium Refunds, Credits, and Reductions in Response to
COVID-19 Pandemic

The COVID-19 pandemic has severely curtailed activities of policyholders in both personal and commercial lines. As a result, projected loss exposures of many insurance policies have become overstated or misclassified. This is especially true for policies where premiums are based partly on measures of risk such as number of miles driven, revenue, and payrolls which have all dropped significantly because of COVID-19.

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Encinitas Local Business Guide: What's Open Or Closed In Town

ENCINITAS, CA — The coronavirus is having a profound impact on the global economy, and has been particularly damaging to San Diego County businesses that depend on foot-traffic and in-person interactions with their customers. Even so, many businesses have found ways to stay open and to offer delivery, pick-up and safe-distance transactions to serve the community.

We put a call out to local businesses on Patch last week and asked them to update their status, give details on how you can continue to patronize them and to let the community know how they can best help during these challenging times. You can find the local guide here.

If you own a local business and have not yet updated your status, you can find a simple submission form by clicking on the button below.

Looking For Businesses Open During The Coronavirus?

Fox Channel 5 has assembled a live, searchable database of the businesses that are still open during the coronavirus pandemic. Many of these businesses will have different hours so be sure to call ahead, or check their listings on Google Maps.

Virtual Town Hall with Rep. Mike Levin on COVID-19

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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.

This information will be sent out every Monday, Wednesday, and Friday.  We will be providing as much information about programs and initiatives to help North County businesses.  New information will be marked as such.  If you know of information that you feel would be helpful to North County businesses and workers, please send it to ebruvold@sdnedc.org with the subject heading “COVID-19 Resource.” Collaboration in this region is an asset recognized around the world, and it is going to be a key reason why San Diego emerges stronger than ever.

Updated 4/17/20



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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.

Needs of Health Care Providers Must Be Met Before COVID-19 Restrictions Are Relaxed

SAN DIEGO – Scripps Health today released the following open letter from its President and CEO Chris Van Gorder advocating the need for a health-care-based trigger for reopening society.

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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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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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. Here are examples of pandemic unemployment benefits for self-employed workers.

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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.

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.

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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.

SDG&E Waiving Late Payment Fees

SDG&E recognizes the tremendous economic and human impact the coronavirus has had on our business community and we want all customers to know that SDG&E is here to help them through this crisis and support their energy needs. In recent weeks, they’ve taken several actions to support our region’s businesses.

  1. SDG&E is temporarily waiving late payment fees for business customers whose finances have been affected by the coronavirus.
  2. Recognizing the economic devastation caused by the pandemic, SDG&E has suspended service disconnections due to non-payment. This disconnection freeze will remain in place until further notice.
  3. If you or anyone you know is struggling to pay their energy bill, please contact SDG&E to learn about assistance programs or to set up flexible payment arrangements at 1.800.411.7343

Many businesses are also trying to take care of their employees at this difficult time. SDG&E has bill discount programs to support customers year-round. Many people who previously did not qualify for these income-based programs may now be able to do so due to lost wages. Those who recently lost their job, even if they are receiving unemployment benefits, may be eligible for CARE and or FERA which can save customers up to 30% or more on their monthly energy bill. If you have a qualifying medical condition, customers may qualify for a bill discount with the Medical Baseline program. The Low-Income Home Energy Assistance Program (LIHEAP) is federally funded and helps low-income households with their energy bills. For more information on LIHEAP visit 211sandiego.org.

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

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.