COVID-19 Coronavirus Recovery Resources

During these critical times we want our members to know that their chamber is here to help. Along with sending out weekly emails, we will be posting resources on our Facebook and Twitter regularly. We are working with the City of Encinitas to provide our community with as many resources as possible. Please feel free to contact us by phone at (760) 753-6041 or email at admin@encinitaschamber.com with any questions or concerns you might have. Together We Will Get Through This!

City of Encinitas Resources For Small Business

State of California Resources for Business 

San Diego Small Business Development Center

CA.Gov Website

The City of San Diego

COVID-19 Biz Tools

Small Business Finance

City of Encinitas

San Diego County Childcare Provider Grant Program

San Diego County Government Website

San Diego North Economic Development Council

San Diego Economic Development

Tasha Boerner Horvath
Assembly member, District 76

Supervisor Kristin Gaspar
District 3

For live updates on COVID-19 in San Diego County Click Here!

Together We Can Survive COVID-19 – Your One-Stop Shop for Small Business Assistance

Small businesses often have limited resources to weather a substantial economic downturn, let alone a global pandemic such as COVID-19. The City of Encinitas  compiled the following federal and local resources to help our small business community get through this crisis.

Click Here for Small Business Resources

San Diego County Providing Additional Grants to Small Businesses

Local small business and restaurant owners suffering financial losses due to COVID-19 can now apply for a grant from the County of San Diego.    For-profit and nonprofit businesses are eligible for a San Diego County Small Business Stimulus Grant if they can show losses are a direct result of the pandemic. To qualify businesses must have:

• 100 or fewer employees
• Headquarters in San Diego County
• A minimum 1-year operating history as of Feb. 14, 2020
• Documentation of financial hardship because of COVID-19

Businesses are urged to apply early. For more information and the application, visit https://sandiegocounty.gov/stimulusgrant.

The City of Encinitas COVID-19 Emergency Rental and Utility Assistance Program provides financial assistance to eligible Encinitas households facing financial hardship due to the COVID-19 pandemic.

Who Can Receive Assistance?

At a minimum, qualified applicants must meet the following:

• Renting a home in Encinitas and have written lease agreement.
• Eligible immigration status (U.S. citizen/U.S. National, lawful permanent resident/conditional permanent resident, a refugee/person seeking asylum or granted asylum).
• Financial hardship directly related to COVID-19.
• Not currently receiving any rental subsidies.
• Savings do not meet financial needs.
• Current household income is at or below 80% of the Regional Median Income based upon household size as shown in the table below.

How to Apply

• Applications are available online only. Apply Online Here.
  • If you do have internet access or need special assistance with completing the application, please contact (760) 456-7757 or encinitastbra@housingprograms.com.
• Applications are available from August 3, 2020 – August 16, 2020.
• Documentation is required to confirm eligibility. This checklist may help prepare all necessary documents/information to fill out the application.
• Please note that we anticipate there to be more applicants than funding available. Applicants will receive a confirmation email that their application was submitted. If you have submitted an application online and not received a confirmation, please first check your email Junk or Spam folder. If you have questions about the program or your application status, please contact (760) 456-7757 or encinitastbra@housingprograms.com and you will receive a response as soon as possible during City business hours.
• The City will not maintain a waiting list for this program.

Payment Assistance Information

• One-time payment of up to $4,500 to assist with past-due or upcoming rent and utilities. Payment amount will be based upon demonstrated financial need.
• Payments are made directly to the landlord and utility providers.
• Utilities include trash (EDCO) and water (SDWD, OMWD).
  • For SDGE payment assistance, please visit 2-1-1.
  • Additionally, 2-1-1 San Diego provides a directory of numerous services and resources, especially related to the COVID-19 pandemic.

Landlord Requirements

• Provide information from the IRS Form W9 to verify ownership of rental property
• Authorize the City of Encinitas to make payment.
• Please note that landlord participation is voluntary. If a landlord does not wish to participate and/or complete the required forms, no payments will be made.

Questions? Please Contact (760) 456-7757 or encinitastbra@housingprograms.com

Program Documents
Guidelines
Application Checklist (English)
Application Checklist (Spanish)
Flyer (English)
Flyer (Spanish)

Funding is provided through the City’s Community Development Block Grant Program and the Coronavirus Aid, Relief and Economic Security (CARES) Act.

Free Printable Posters and Signs for COVID-19 for Small Businesses & Organizations

As we battle the spread of COVID-19 and understand more and more how transmission can occur from person-to-person, workspaces can quickly become outbreak sites unless the correct measures are taken. Signs are the best way to create and maintain awareness.

Wash Your Hands

What To Do If You’re Infected

Stop The Spread

Stay Healthy, Wash Your Hands

Mask and Social Distancing

Quarantine vs Isolation

Use Hand Sanitizer

No COVID-19 Testing Required Before Employees Can Go Back to Work

Based on new guidance from the Centers for Disease Control and Prevention, it is no longer recommended that employers require employees who tested positive for COVID-19 to be tested again before they can return to work.

The CDC test-based strategy is no longer recommended to determine when to discontinue home isolation, except in certain circumstances.

People with COVID-19 who have mild to moderate symptoms and were directed to care for themselves at home may discontinue isolation under the following conditions:

• At least 10 days have passed since symptoms began, have not had a fever for 24 hours without taking fever reducing medications and other symptoms have resolved.
• A limited number of people who have severe or critical illness or are severely immunocompromised are recommended to wait 20 days after symptoms developed and one day after fever resolution and improving symptoms.
• People who are severely immunocompromised but have no symptoms can leave isolation after 20 days after testing positive.
• People who tested positive for the novel coronavirus but never developed symptoms can stop isolation and other precautions 10 days after the date of their first diagnostic positive test virus.

“Employers do not need to follow the test-based strategy for their employees to go back to work,” said Wilma Wooten, M.D., M.P.H., County public health officer. “Employers must ensure that employees have met the new criteria to be released from isolation.”

The County has updated the County’s Health Officer Order to reflect these changes.

Deaths, Cases in Congregate and Community Settings

To date, 133 COVID-19 deaths and 1,054 cases (675 residents and 379 staff) have been reported in skilled-nursing facilities.

Eighty-nine deaths and 1,074 cases (649 residents and 425 staff) have been reported in other congregate settings.

In comparison, nine COVID-19 deaths and a total 981 cases have been reported in outbreaks in community settings.

Community Outbreaks Increasing

The number of COVID-19 outbreaks in community settings continue to be reported throughout the region. It has increased dramatically in July.

Of the 120 COVID-19 outbreaks confirmed in community settings since the pandemic began, 59 have been reported in July. The total has surpassed the 34 that were reported in June and the 27 that were confirmed during the first three months of the pandemic.

Restaurants with bars account for the great majority of community outbreaks confirmed this month. The County Department of Environmental Health continues to work with restaurants to make sure they are following the public health guidelines.

Community Setting Outbreaks:

• Two new outbreaks were identified on July 26, one in a business and another in a restaurant/bar.
• In the past seven days, 13 community outbreaks were identified.
• The number of community outbreaks remains above the trigger of seven or more in seven days.
• A community setting outbreak is defined as three or more COVID-19 cases in a setting and in people of different households.

Testing:

• 6,456 tests were reported to the County on July 26 and 8% were laboratory-confirmed positive new cases.
• The 14-day rolling average percentage of positive cases is 5.7%. Target is less than 8.0%.
• The 7-day, daily average of tests is 8,997. 

Cases:

• 523 new cases were reported in San Diego County for a total of 27,507.
• 2,405 or 8.7% of cases have required hospitalization.
• 618 or 2.3% of all cases and 25.7% of hospitalized cases had to be admitted to an intensive care unit. 

Deaths:

• No COVID-19 deaths were reported in San Diego County on July 26. The region’s total remains at 533.

More Information:

More information on COVID-19 and detailed data summaries can be found at the County’s coronavirus-sd.com website.

Special Thanks to José A. Álvarez, County of San Diego Communications Office. Many businesses, especially small businesses, are facing new challenges due to COVID-19 and still have ongoing expenses during the pandemic. SDG&E wants to help during these difficult times and offers these solutions and resources.

Flexible payment arrangements are an option. Call SDG&E’s Business Contact Center at 1-800-336-7343.
Find the right pricing plan for your business on sdge.com/bizplans.
SDG&E’s Economic Development Rate (EDR) Program offers a 12% electric discount to businesses to help retain jobs and continue or expand operations instead of moving your business out-of-state. Learn more at sdge.com/EDR or email EDR@sdge.com.
Visit SDG&E’s Business Customer Resource Center at sdge.com/recovery and get information on how to:

Improve your cash flow and working capital with links to loan programs and the Supplier Quick Pay Program.

Connect with suppliers offering Personal Protection Equipment (PPE).

View or sign up for free training webinars on topics like the power of social media, green building design, home performance and rebate and incentive programs.

Check out various external community organization and chamber resource lists for small businesses impacted by COVID-19.

If your income has been impacted by COVID-19, you may be eligible for a discount on your home energy bill of 30% or more. Learn more and apply at sdge.com/care.

Small Business Stimulus Grant Program • Funds Are Still Available

On July 7, 2020, San Diego County Board of Supervisors approved a new Small Business Stimulus Program. This program provides $17 million in CARES Act Coronavirus Relief Funds to eligible for-profit and non-profit businesses suffering financial hardship due to the COVID-19 pandemic. Businesses need to submit their application by October 16, 2020, but I encouraged you to apply early as funding is subject to availability.

For-profit and non-profit businesses can apply for grant money if they can show their losses and costs are a direct result of the COVID-19 pandemic. To qualify a business must have:

• 100 or fewer employees
• Headquarters in San Diego County
• A minimum 1-year operating history as of February 14, 2020
• Documentation of financial hardship because of COVID-19 pandemic

The following links are provided to assist with the grant application, once you’ve been determined eligible. Please read through before starting the eligibility determination.

• Application Instructions (Download PDF – English)
• Secretary of State Business Search Website
• W-9 Form
• Withholding Form
• Additional Information for Grant Awardees
• Find Your Supervisorial District

For up to date information about COVID-19, including resource documents such as frequently asked questions, informational posters, and guidance, please visit www.coronavirus-sd.com.

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 establishments, restaurants & 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.

A Message From Our Friends At Scripps

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

• 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.

• 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 Program: The 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.

• The San Diego Foundation COVID-19 Community Response Fund: Emergency 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.

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 Twitter, Facebook, Blogs & Instagram

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.

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 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 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.

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.

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.

• 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.

• • The SBA is committed to helping small businesses recover from the economic impact of COVID-19. Additional 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. San Diego and Imperial Valley businesses seek guidance from these local organizations:
      • San Diego and Imperial Valley Small Business Development Center Network
      • San Diego SCORE
      • San Diego and Imperial Women’s Business Center
      • SOCAL Veteran’s Business Outreach Center
      • San Diego, Orange, Imperial Procurement Technical Assistance Center
    • Tax Relief: IRS information about tax relief for businesses.
    • California COVID-19 guidance and resources: Emergency resources for California businesses.

Updated 5/7/20[/text_output][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”Round One PPP Loan Data (PDF)” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output][pdf-embedder url=”https://encinitaschamber.com/wp-content/uploads/2020/05/PPP-Deck.pdf” title=”PPP Deck”][/text_output][text_output]Updated 5/7/2020[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”Round Two PPP Loan Data (PDF)” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output][pdf-embedder url=”https://encinitaschamber.com/wp-content/uploads/2020/05/PPP2-Data-05012020-1.pdf” title=”PPP2 Data 05012020″][/text_output][text_output]Updated 5/7/2020[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][text_output]

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

[/text_output][text_output]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[/text_output][vc_btn title=”Fill Out The Survey” color=”primary” align=”center” link=”url:https%3A%2F%2Fcovid19.ca.gov%2Frecovery-input%2F||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”You got a PPP Loan. What next?” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][x_video_embed id=”” class=”” style=””][/x_video_embed][text_output]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[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”About The California.com Recommended Business Program” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

[/text_output][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”PROGRAM BENEFITS” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”YOUR BUSINESS WILL RECEIVE” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][text_output]

HOW TO BE PART OF OUR PROGRAM

[/text_output][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/3″][vc_custom_heading text=”1″ font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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

[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/3″][vc_custom_heading text=”2″ font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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

[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/3″][vc_custom_heading text=”3″ font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

Join our program with a simple agreement form.

[/text_output][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_btn title=”Apply Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.california.com%2Fbusiness-application-form%2F||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”Input needed: Small & Medium Business Support” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

Updated 04/30/2020[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][text_output]

Government Contracting Series Module 1: Establishing a Foundation for Success

[/text_output][x_video_embed id=”” class=”” style=””][/x_video_embed][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][text_output]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.[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][text_output]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[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][text_output]

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[/text_output][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Read Full Statement Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Foshas-response-to-workplace-safety-and-coronavirus-exposure%2F|||”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][text_output]

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[/text_output][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Read Full Statement Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Fa-backgrounder-on-unemployment-insurance-under-the-cares-act%2F|||”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”Covid-19 and Capital for Small Business (PPP)” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][x_video_embed id=”” class=”” style=””][/x_video_embed][text_output]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[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”Maximize your PPP Loan’s Forgiveness” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][x_video_embed id=”” class=”” style=””][/x_video_embed][text_output]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[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][text_output]

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

[/text_output][x_video_embed id=”” class=”” style=””][/x_video_embed][text_output]

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

Updated 04/27/20[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][text_output]

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[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14380″ img_size=”300×200″ alignment=”center”][text_output]

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[/text_output][vc_btn title=”Read Full Article Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.bbb.org%2Farticle%2Fnews-releases%2F21986-bbb-scam-alert-small-businesses-dont-fall-for-phony-sba-grant-offer||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_single_image image=”14073″ img_size=”300×200″ alignment=”center”][text_output]

[/text_output][vc_btn title=”Read Full Article Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fhrcalifornia.calchamber.com%2Fcases-news%2Fhrce-articles%2Funemployment-insurance-a-guide-for-employers-with-newly-displaced-workers%3Futm_campaign%3DHRCE%252004-23-2020%25201%26utm_source%3DSilverpop%26utm_medium%3DEmail%26spMailingID%3D64592014%26spUserID%3DMzAyNTY3MzA3NwS2%26spJobID%3D1862701243%26spReportId%3DMTg2MjcwMTI0M||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_single_image image=”14370″ img_size=”300×200″ alignment=”center”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][text_output]

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[/text_output][vc_btn title=”Read Full Article Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.prnewswire.com%2Fnews-releases%2Ftootris-commits-additional-resources-to-support-child-care-providers–essential-workers-during-covid-19-301045684.html||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][text_output]

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[/text_output][vc_btn title=”Read Full Article Here” color=”primary” align=”center” link=”url:https%3A%2F%2Ftootris.com%2Fedu%2Fabout%2Fpress-release-tootris-commits-additional-resources-support-child-care-providers-essential-workers-during-covid-19||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][text_output]

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.

[/text_output][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14341″ img_size=”300×200″ alignment=”center”][text_output]

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[/text_output][vc_btn title=”Register Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fsdsbdc.ecenterdirect.com%2Fevents%2F12984||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14342″ img_size=”300×200″ alignment=”center”][text_output]

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.[/text_output][vc_btn title=”Register Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fsdsbdc.ecenterdirect.com%2Fevents%2F12966||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][text_output]

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.

[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14315″ img_size=”530×150″ alignment=”center”][vc_custom_heading text=”PPP Loan – Best Practice Recommendations & Calculating The Loan Forgiveness” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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

[/text_output][vc_btn title=”Read Full Statement Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2F%3Fp%3D14326%26preview%3Dtrue|||”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”Senate Votes To Increase CARES Act Funding For Small Businesses” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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 23^rd.   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[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_single_image image=”4572″ img_size=”300×200″ alignment=”center”][vc_custom_heading text=”AT&T Offers Added Relief for Customers” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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.[/text_output][vc_btn title=”Read AT&T’s Complete Statement” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Fatt-offers-added-relief-for-customers%2F|title:Opening%20vs.%20Closing%20During%20This%20Pandemic|target:%20_blank|”][vc_btn title=”AT&T COVID-19: Response Website” color=”sandy-brown” align=”center” link=”url:https%3A%2F%2Fabout.att.com%2Fpages%2FCOVID-19.html|title:Opening%20vs.%20Closing%20During%20This%20Pandemic|target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14275″ img_size=”300×200″ alignment=”center”][vc_custom_heading text=”COVID-19 (Coronavirus) Update: California Roadmap to
Modify Stay-at-Home Order” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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.

[/text_output][vc_btn title=”Click Here For More Details” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Fcovid-19-coronavirus-update-california-roadmap-to-modify-stay-at-home-order%2F|title:Opening%20vs.%20Closing%20During%20This%20Pandemic|target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14277″ img_size=”300×200″ alignment=”center”][vc_custom_heading text=”COVID-19 San Diego Drive Thru Test Site:” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][vc_btn title=”Click Here For More Details” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Fif-i-think-i-need-testing-how-do-i-get-it%2F|title:Opening%20vs.%20Closing%20During%20This%20Pandemic||”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14247″ img_size=”600×200″][vc_custom_heading text=”How To Help Your North County San Diego Community” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][vc_btn title=”Donate Here” color=”primary” align=”center” link=”url:https%3A%2F%2Frsffoundation.org%2Fnorth-county-covid-19-response%2F%3Fmc_cid%3D3aaf57c662%26mc_eid%3D04944960db||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”U.S. Chamber of Commerce Save Small Business Initiative” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

[/text_output][vc_btn title=”Learn More” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.uschamber.com%2Fsave-small-business||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”SBA Coronavirus Pandemic Disaster Loans Comparison Matrix” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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

[/text_output][vc_btn title=”View The SBA Coronavirus Pandemic Disaster Loans Comparison Matrix” color=”primary” align=”center” link=”url:https%3A%2F%2Fdocs.google.com%2Fspreadsheets%2Fd%2F12xv4xcsg_9xoVeEE_Y1j2sicNbCvl2GAVinSowU2zgg%2Fedit%23gid%3D702828758||target:%20_blank|”][text_output]

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.[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14163″ img_size=”300×200″ alignment=”center”][text_output]

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.

[/text_output][vc_btn title=”Read Bulletin 2020-3″ color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Fpremium-refunds-credits-and-reductions-in-response-to-covid-19-pandemic%2F|||”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_single_image image=”14156″ img_size=”300×200″ alignment=”center”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”Encinitas Local Business Guide: What’s Open Or Closed In Town” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][vc_btn title=”Update Your Status” color=”primary” align=”center” link=”url:https%3A%2F%2Fpatch.com%2Fcalifornia%2Fencinitas%2Fencinitas-local-business-guide-whats-open-or-closed-town||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”Looking For Businesses Open During The Coronavirus?” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][vc_btn title=”Search Database” color=”primary” align=”center” link=”url:https%3A%2F%2Ffox5sandiego.com%2Fstores-open-during-coronavirus%2F||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_single_image image=”13928″ img_size=”1818×200″ alignment=”center”][gap size=”1.313em” id=”” class=”” style=””][text_output]

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.

[/text_output][gap size=”1.313em” id=”” class=”” style=””][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_btn title=”Guide to SBA’s Economic Injury Disaster Loans” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.uschamber.com%2Freport%2Fguide-sbas-economic-injury-disaster-loans||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_btn title=”Guide to the Employee Retention Tax Credit” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.uschamber.com%2Freport%2Fguide-the-employee-retention-tax-credit||target:%20_blank|”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_btn title=”Coronavirus Emergency Loans Small Business Guide and Checklist (Paycheck Protection Program)” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.uschamber.com%2Fsites%2Fdefault%2Ffiles%2F023595_comm_corona_virus_smallbiz_loan_final.pdf||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13941″ img_size=”300×300″ alignment=”center” onclick=”custom_link” link=”https://calnonprofits.org/”][vc_custom_heading text=”Answering the Top 5 COVID-19 Questions from California Nonprofits” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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 Nonprofits, Nonprofit 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.[/text_output][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fcalnonprofits.org%2F||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13942″ img_size=”300×300″ alignment=”center” onclick=”custom_link” img_link_target=”_blank” link=”https://calnonprofits.org/”][vc_custom_heading text=”The Coronavirus Aid, Relief, and Economic Security (CARES) Act” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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.

[/text_output][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.uschamber.com%2Fsites%2Fdefault%2Ffiles%2F023595_comm_corona_virus_smallbiz_loan_final.pdf||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″ css=”.vc_custom_1585855456157{border-bottom-width: 5px !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][x_video_embed type=”16:9″ id=”” class=”” style=””][/x_video_embed][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13905″ img_size=”200×200″ alignment=”center”][vc_custom_heading text=”Visit the San Diego & Imperial Small Business Development Center (SBDC) Website” font_container=”tag:h5|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Visit Women’s Business Center Website” color=”sandy-brown” align=”center” link=”url:https%3A%2F%2Fwww.sandiegowbc.org%2F||target:%20_blank|”][vc_btn title=”Sign Up And Request Services” color=”primary” align=”center” link=”url:https%3A%2F%2Fsdwbc.ecenterdirect.com%2Fsignup||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13889″ img_size=”200×200″ alignment=”center”][vc_custom_heading text=”COVID-19 Resources for North County Small Businesses” font_container=”tag:h5|text_align:center” use_theme_fonts=”yes”][text_output]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[/text_output][gap size=”1.313em” id=”” class=”” style=””][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Fcovid-19-resources-for-north-county-small-businesses%2F||target:%20_blank|”][vc_btn title=”Subscribe To PULSE of North County Newsletter” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.sdnedc.org%2Fnewsletter%2F||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_single_image image=”13872″ img_size=”200×200″ alignment=”center”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”Complacency is the Enemy: Stop the Spread of this Virus While We Still Can” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]SAN DIEGO – Scripps 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.[/text_output][vc_btn title=”Read Full Media Statement” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Fcomplacency-is-the-enemy-stop-the-spread-of-this-virus-while-we-still-can%2F||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”Needs of Health Care Providers Must Be Met Before COVID-19 Restrictions Are Relaxed” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][vc_btn title=”Read Full Media Statement” color=”primary” align=”center” link=”url:https%3A%2F%2Fencinitaschamber.com%2Fneedsofhealthcareproviders%2F||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13870″ img_size=”200×200″ alignment=”center”][vc_custom_heading text=”America’s Banks Are Here to Help: The Industry Responds to the Coronavirus” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.aba.com%2Fabout-us%2Fpress-room%2Findustry-response-coronavirus%3Futm_source%3Dabawom%26utm_medium%3Dvanity%26utm_campaign%3Dcovid%26utm_content%3Dcoronavirusresponse||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”14073″ img_size=”300×200″ alignment=”center”][vc_custom_heading text=”Collecting Unemployment When You’re Self-Employed” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

[/text_output][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.thebalancecareers.com%2Fcan-i-collect-unemployment-if-i-m-self-employed-2064148||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13868″ img_size=”300×300″ alignment=”center”][vc_custom_heading text=”SBDC Assistance On SBA Economic Injury Disaster Loans (EIDL)” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13862″ img_size=”300×300″ alignment=”center”][vc_custom_heading text=”Applications for San Diego’s Small Business Relief Fund” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_single_image image=”13833″ img_size=”300×200″ alignment=”center”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”30% Or More Off Your Energy Bill Can Help You Rest A Little Easier” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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.

[/text_output][vc_btn title=”Apply, Renew or Verify Here” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.sdge.com%2Fresidential%2Fpay-bill%2Fget-payment-bill-assistance%2Fassistance-programs||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_custom_heading text=”SDG&E Waiving Late Payment Fees” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]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.[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][text_output]

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

[/text_output][gap size=”1.313em” id=”” class=”” style=””][text_output]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, 76^th District[/text_output][vc_btn title=”Click Here For More Information” color=”primary” align=”center” link=”url:https%3A%2F%2Fa76.asmdc.org%2Fcoronavirus-covid-19-resource-navigator-0||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”3″][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”Coronavirus (COVID-19): Small Business Guidance & Loan Resources” font_container=”tag:h4|text_align:center|color:%23ffffff” use_theme_fonts=”yes” css=”.vc_custom_1585082706641{background-color: #da5943 !important;}”][gap size=”1.313em” id=”” class=”” style=””][text_output]

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.

[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][text_output]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.

[/text_output][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/3″][vc_btn title=”Economic Injury Disaster Loan Program” color=”sandy-brown” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.sba.gov%2Fpage%2Fcoronavirus-covid-19-small-business-guidance-loan-resources%23section-header-0||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/3″][vc_btn title=”Guidance for Businesses and Employers” color=”sandy-brown” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.sba.gov%2Fpage%2Fcoronavirus-covid-19-small-business-guidance-loan-resources%23section-header-2||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/3″][vc_btn title=”Small Business Administration Products And Other Resources” color=”sandy-brown” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.sba.gov%2Fpage%2Fcoronavirus-covid-19-small-business-guidance-loan-resources%23section-header-4||target:%20_blank|”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_btn title=”Government Contracting” color=”sandy-brown” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.sba.gov%2Fpage%2Fcoronavirus-covid-19-small-business-guidance-loan-resources%23section-header-10||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_btn title=”Local Assistance” color=”sandy-brown” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.sba.gov%2Fpage%2Fcoronavirus-covid-19-small-business-guidance-loan-resources%23section-header-12||target:%20_blank|”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”Here Are Three Links To A Recent Webinar,
Held By The U.S. Small Business Administration (SBA)” font_container=”tag:h4|text_align:center|color:%23ffffff” use_theme_fonts=”yes” css=”.vc_custom_1585081065231{background-color: #da5943 !important;}”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/3″][image type=”none” float=”none” link=”true” target=”blank” info=”none” src=”13330″ alt=”Understanding SBA Disaster & Economic Injury Loans” href=”https://cameonetwork.org/wp-content/uploads/2020/03/SBA-EIL-Webinar-slides.pdf” title=”” info_content=”” lightbox_caption=”” id=”” class=”” style=””][text_output]

Understanding SBA Disaster & Economic Injury Loans

[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/3″][image type=”none” float=”none” link=”true” target=”blank” info=”none” src=”13329″ alt=”The Three Step Process: Disaster Loans” href=”https://cameonetwork.org/wp-content/uploads/2020/03/SBA-Disaster-One-Pager.pdf” title=”” info_content=”” lightbox_caption=”” id=”” class=”” style=””][text_output]

[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/3″][image type=”none” float=”none” link=”true” target=”blank” info=”none” src=”13328″ alt=”Table Of Size Standards” href=”https://www.sba.gov/document/support–table-size-standards” title=”” info_content=”” lightbox_caption=”” id=”” class=”” style=””][text_output]

Table Size Standards

[/text_output][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”Disaster Assistance” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes”][text_output]

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.

[/text_output][vc_btn title=”Read Article & Apply” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.sba.gov%2Fpage%2Fdisaster-loan-applications||target:%20_blank|”][/vc_column][/vc_row][vc_row no_margin=”true” padding_top=”0px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_custom_heading text=”News You Can Use” font_container=”tag:h4|text_align:center|color:%23ffffff” use_theme_fonts=”yes” css=”.vc_custom_1585081707819{background-color: #1e73be !important;}”][/vc_column][/vc_row][vc_row padding_top=”10px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13864″ img_size=”300×300″ alignment=”center”][gap size=”1.313em” id=”” class=”” style=””][text_output]

Coronavirus (COVID-19)

[/text_output][text_output]Coronavirus (COVID-19) continues to dominate the news, raising concerns among individuals and for our economy. This page provides links to CalChamber, federal, state and local resources.[/text_output][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13866″ img_size=”300×300″ alignment=”center”][gap size=”1.313em” id=”” class=”” style=””][text_output]

CDC Small Business Finance Emergency Loan Program

[/text_output][text_output]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.[/text_output][vc_btn title=”Visit Website” color=”primary” align=”center” link=”url:http%3A%2F%2Fcdcloans.com%2Femergencyrelief%2F||target:%20_blank|”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”2″][/vc_column][/vc_row][vc_row padding_top=”10px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][vc_single_image image=”13386″ img_size=”full” alignment=”center”][/vc_column][/vc_row][vc_row padding_top=”10px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/2″][feature_headline type=”center” level=”h4″ id=”” class=”” style=””]

San Diego Blood Bank Issues Urgent Plea for Donations

[/feature_headline][text_output]

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.

[/text_output][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.sdbj.com%2Fnews%2F2020%2Fmar%2F19%2Fsan-diego-blood-bank-issues-urgent-plea-donations%2F|||”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][feature_headline type=”center” level=”h4″ id=”” class=”” style=””]

EDC Statement on Coronavirus and the San Diego Economy

[/feature_headline][text_output]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.[/text_output][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.sdbj.com%2Fnews%2F2020%2Fmar%2F19%2Fedc-statement-coronavirus-and-san-diego-economy%2F|||”][/vc_column][/vc_row][vc_row padding_top=”10px” padding_bottom=”0px” bg_video=”” class=”” style=””][vc_column fade_animation_offset=”45px” width=”1/1″][feature_headline type=”center” level=”h4″ id=”” class=”” style=””]

Small Business Development Network Remains Open, Offers Resources

[/feature_headline][text_output]

[/text_output][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.sdbj.com%2Fnews%2F2020%2Fmar%2F19%2Fsmall-business-development-network-remains-open-of%2F|||”][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/1″][vc_separator border_width=”2″][/vc_column][/vc_row][vc_row padding_top=”0px” padding_bottom=”0px”][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13513″ img_size=”1818×400″ alignment=”center”][feature_headline type=”center” level=”h4″ id=”” class=”” style=””]

[/feature_headline][vc_column_text]

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.

[/vc_column_text][gap size=”1.313em” id=”” class=”” style=””][vc_btn title=”Read Full Article” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.sdnedc.org%2Fcrisis-employment-opportunities%2F||target:%20_blank|”][/vc_column][vc_column fade_animation_offset=”45px” width=”1/2″][vc_single_image image=”13494″ img_size=”full” alignment=”center”][vc_custom_heading text=”A Guide To Find Work During The Coronavirus Pandemic” font_container=”tag:h4|text_align:center” use_theme_fonts=”yes” link=”|||”][text_output]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.[/text_output][vc_btn title=”Go To Zippia Website” color=”primary” align=”center” link=”url:https%3A%2F%2Fwww.zippia.com%2Fjob-search%2Fremote-jobs%2F||target:%20_blank|”][/vc_column][/vc_row]