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Resources for Small Business Owners

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The following questions might help point you in the right direction. Do you need:

  • Capital to cover the cost of retaining employees? Then the Paycheck Protection Program might be right for you.
  • A quick infusion of a smaller amount of cash to cover you right now? You might want to look into an Emergency Economic Injury Grant.
  • To ease your fears about keeping up with payments on your current or potential SBA loan? The Small Business Debt Relief Program could help.
  • Just some quality, free counseling to help you navigate this uncertain economic time? The resource partners might be your best bet. Women’s Business Center (WBC). Inland Empire SCORE

See all of the above outlined CLICK "View More Info" above

Paycheck Protection Program (PPP) Loans

The program would provide cash-flow assistance through 100 percent federally guaranteed loans to employers who maintain their payroll during this emergency. If employers maintain their payroll, the loans would be forgiven, which would help workers remain employed, as well as help affected small businesses and our economy snap-back quicker after the crisis. PPP has a host of attractive features, such as forgiveness of up to 8 weeks of payroll based on employee retention and salary levels, no SBA fees, and at least six months of deferral with maximum deferrals of up to a year. Small businesses and other eligible entities will be able to apply if they were harmed by COVID-19 between February 15, 2020 and June 30, 2020. This program would be retroactive to February 15, 2020, in order to help bring workers who may have already been laid off back onto payrolls. Loans are available through June 30, 2020. See rules here and size standards

Loan size determined:

  • If you were in business February 15, 2019 – June 30, 2019: Your max loan is equal to 250 percent of your average monthly payroll costs during that time period. If your business employs seasonal.
  • If you took out an Economic Injury Disaster Loan (EIDL) between February 15, 2020 and June 30, 2020 and you want to refinance that loan into a PPP loan, you would add the outstanding loan amount to the payroll sum.

What are allowable uses of loan proceeds?:

  • Payroll costs (CLICK "View More Info" for What costs are eligible for payroll?)
  • Costs related to the continuation of group health care benefits during periods of paid sick, medical, or family leave, and insurance premiums
  • Employee salaries, commissions, or similar compensations (see exclusions above)
  • Payments of interest on any mortgage obligation (which shall not include any prepayment of or payment of principal on a mortgage obligation)
  • Rent (including rent under a lease agreement)
  • Utilities
  • Interest on any other debt obligations that were incurred before the covered period.

Client Assistance Program

Client Assistance Program was expanded several weeks ago. Through this program, banks can waive certain account fees, such as overdraft fees, and defer payments on your credit cards, mortgage and auto loans to help you and your small business.

Based on the legislation, it may be helpful for interested business owners to gather the following information about their business:

  1. 2019 Payroll — including the last 12 months of payroll

  2. 2019 Employees — 1099's for 2019 employees and independent contractors that would otherwise be an employee of your business. (Note: Do NOT include 1099's for services)

  3. Healthcare costs — all health insurance premiums paid by the business owner under a group health plan.

  4. Retirement — your company retirement plan funding paid for by the company.

SBA’s Economic Injury Disaster Loan & Emergency Economic Injury Grants

The Small Business Administration is now offering Economic Injury Disaster Loans to businesses in need of assistance.

SBA’s Economic Injury Disaster Loans offer up to $2 million in assistance and can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

  • These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. The interest rate is 3.75% for small businesses. The interest rate for non-profits is 2.75%.

  • SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

  • SBA’s Economic Injury Disaster Loans are just one piece of the expanded focus of the federal government’s coordinated response, and the SBA is strongly committed to providing the most effective and customer-focused response possible.

  • For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail

Housing Information

Governor Newsom’s recent stay-in-place order authorized cities and counties to create to policies if they wish that would stop landlords from kicking out tenants. San Bernardino has announced the suspension of evictions. The state also provided $100 million to local governments, which will support emergency housing for homeless people affected by COVID-19. For information on homelessness resources in San Bernardino County, call (909) 501-0610, or email

The federal government is also providing relief to many homeowners through the Federal Housing Finance Agency. If your loan is owned by Fannie Mae or Freddie Mac, you may be eligible to delay making your monthly mortgage payments for a temporary period. If not, I encourage you to reach out to your lender to see what types of accommodations they’re making to help homeowners during this crisis. You can visit to learn more.

Information on Student Loan Payments

The Department of Education has granted a temporary deferment of payments on federal student loans for anyone who requests to defer payments. The Department has also set interest rates on all federal loans to 0% for at least 60 days. Visit here

Tax Filing Information

The Internal Revenue Service (IRS) is extending the tax filing deadline for 2020 to July 15, 2020.

Employee Retention Credit for Employers Subject to Closure or Experiencing Economic Hardship

This provision would provide a refundable payroll tax credit for 50 percent of wages paid by eligible employers to certain employees during the COVID-19 crisis. The credit is available to employers, including non-profits, whose operations have been fully or partially suspended as a result of a government order limiting commerce, travel or group meetings. The credit is also provided to employers who have experienced a greater than 50 percent reduction in quarterly receipts, measured on a year-over-year basis.

Wages of employees who are furloughed or face reduced hours as a result of their employer’s closure or economic hardship are eligible for the credit. For employers with 100 or fewer full-time employees, all employee wages are eligible, regardless of whether an employee is furloughed. The credit is provided for wages and compensation, including health benefits, and is provided for the first $10,000 in wages and compensation paid by the employer to an eligible employee. Wages do not include those taken into account for purposes of the payroll credits for required paid sick leave or required paid family leave, nor for wages taken into account for the employer credit for paid family and medical leave (IRC sec. 45S).

  • The credit is not available to employers receiving assistance through the Paycheck Protection Program. The credit is provided through December 31, 2020.

Delay of Payment of Employer Payroll Taxes

This provision would allow taxpayers to defer paying the employer portion of certain payroll taxes through the end of 2020, with all 2020 deferred amounts due in two equal installments, one at the end of 2021, the other at the end of 2022. Payroll taxes that can be deferred include the employer portion of FICA taxes, the employer and employee representative portion of Railroad Retirement taxes (that are attributable to the employer FICA rate), and half of SECA tax liability.

  • Deferral is not provided to employers receiving assistance through the Paycheck Protection Program.

Disability or Paid Family Leave Benefits

What benefits are available if I am subject to quarantine, am not ill, and am not found eligible for a Disability Insurance claim?

You are encouraged to apply for Unemployment Insurance (UI) benefits if you are unemployed, which includes reasons such as:

  • Your hours are reduced due to the quarantine.
  • You were separated from your employer during the quarantine.
  • You are subject to a quarantine required by a medical professional or state or local health officer.
  • You can be eligible for benefits if you have enough earnings over the past 12-18 months and meet other eligibility criteria here

Is Your Business Essential?


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