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Financial Assistance and Business Resources

PAGE LAST UPDATED: May 5, 2021

Find guidance and resources related to state and county health orders, financial assistance and more


  1. Restaurant Revitalization Fund
  2. Shuttered Venue Operator Grant
  3. CA Small  Business relief grant
  4. Tier status

Application Period Opens May 3 at 9:00 AM

On April 27, the Small Business Administration (SBA) announced the application period for the Restaurant Revitalization FuRestaurant Revitalization Fundnd (RRF). will open Monday, May 3, 2021 at 9:00 AM PT. Eligible applicants can begin registering for an account on April 30 at 6:00 AM PT. Eligible applicants include restaurants, bars, caterers and other eligible businesses that have experienced pandemic-related revenue loss. See the table below for eligible applicants and allowable uses of funds. The SBA will administer this $28.6 billion federal program established by the American Rescue Plan. 

The RRF provides eligible recipients with funding equal to their pandemic-related revenue loss up to $10 million per business and no more than $5 million per physical location. Recipients are not required to repay the funding as long as funds are used for eligible uses no later than March 11, 2023. The SBA will announce the application period at a later date.

Application requirements, eligibility, and a program guide are now available at SBA.gov/restaurants. 

In preparation, the SBA recommends qualifying applicants familiarize themselves with the application process in advance to ensure a smooth and efficient application experience, specifically by:

    Registering for an account in advance at sba.gov starting Friday, April 30, 2021, at 9 a.m. EDT

    Reviewing the official guidance, including program guide, frequently asked questions, and application sample

    Preparing the required documentation

    Working with a point-of-sale vendor or visiting sba.gov to submit an application when the application portal opens. [Note: If an applicant is working with a point-of-sale vendor, they do not need to register beforehand on the site

    Attending a live recorded virtual training webinar 

For the first 21 days that the program is open, the SBA will prioritize funding applications from businesses owned and controlled by women, veterans, and socially and economically disadvantaged individuals. All eligible applicants are encouraged to submit applications as soon as the portal opens. Following the 21 days, all eligible applications will be funded on a first-come, first-served basis.

The Northern California Small Business Development Center (SBDC) hosts free bi-weekly webinars explaining application process and eligibility. Register for a webinar at SBA.Gov.

Resources

SBA RRF Overview Slide Deck

The SBA’s San Francisco district office can also assist applicants. 

 Eligible Applicants                                                                            Allowable Uses of Funds

RestaurantsBusiness payroll costs (including sick leave)
Food Stands, Food Trucks & Food CartsPayments on any business mortgage obligation
CaterersBusiness rent payments (excluding prepayment of rent)
Bars, saloons, lounges, tavernsBusiness debt service (both principal and interest; excluding prepayment of rent and any prepayment of principal or interest)
Snack and nonalcoholic beverage barsBusiness utility payments
Bakeries (onsite sales to the public comprise at least 33% of gross receipts)Business maintenance expenses

Breweries, micro-breweries, brewpubs, tasting rooms, taprooms (onsite sales to the public comprise at least 33% of gross receipts)

Construction of outdoor seating
Wineries and distilleries (onsite sales to the public comprise at least 33% of gross receipts)Business supplies (including protective equipment and cleaning materials)

Inns (onsite sales of food and beverage to the public comprise at least 33% of gross receipts)

Business food and beverage expenses (including raw materials)

Licensed facilities or premises of a beverage alcohol producer where the public may taste, sample, or purchase products

Business operating expenses and covered supplier costs
  1. Loans
  2. Grants
  3. Federal Resources
  4. State Resources
  5. Local Resources
  6. Online Events

California Rebuilding Fund

On November 20, Governor Newsom announced a new loan program to support California’s small businesses as they adapt to the effects of COVID-19. The California Rebuilding Fund is a partnership between public and private sector entities to provide California small businesses—particularly businesses in underbanked parts of the state—with access to responsible, affordable capital to help them survive and rebuild from this crisis. 

The Fund, which includes an anchor commitment from the State of California’s Infrastructure and  Economic Development Bank (“IBank”), will offer loans that are flexible, transparent and designed to help sustain small businesses through these challenging economic times. Funds are being deployed by participating community lenders, and businesses with up to 50 full-time employees and gross revenues of less than $2.5 million in 2019 may be eligible to apply.  To apply for a loan and learn more, visit the California Rebuilding Fund web page.

SBA Loans

Paycheck Protection Program Loans

On January 8, the U.S. Small Business Administration, in consultation with the U.S. Treasury Department, announced that the federal government’s Paycheck Protection Program (PPP) has re-opened for new borrowers and certain existing PPP borrowers.

Eligible new barrowers can apply for a First Draw PPP Loan, while eligible barrowers who previously received a PPP loan can apply for a Second Draw PPP Loan. The application deadline for either loan is May 31, 2021. PPP loan details are available from at SBA.gov. Find a lender with the SBA’s Lender Match Tool.

The following SBA partner organizations can advise and support you with your application:

A New America Women’s Business Center

Minority Business Development Agency

Silicon Valley Small Business Development Center

SCORE

Economic Injury Disaster Loans 

The Small Business Administration has increased the maximum amount small businesses and non-profit organizations can borrow through its Economic Injury Disaster Loan (EIDL) program. As of April 6, 2021, the SBA is raising the loan limit for the EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. More details are available in the SBA's press release.

The application deadline is December 31, 2021 pending availability of funds. Loans are offered at a 3.75% interest rate for small businesses and 2.75% for non-profit organizations, a 30-year maturity, and an automatic deferment of one year before monthly payments begin. Learn more and apply at SBA.gov.

COVID-19 Recovery Information in Other Languages

The SBA is providing materials in other languages to help business owners with recovery efforts. Visit SBA.Gov for details.

Other Small Business Relief Options Provided by the SBA

Debt Relief

As part of our coronavirus debt relief efforts, the SBA will pay 6 months of principal, interest, and any associated fees that borrowers owe for all current 7(a), 504, and microloans in regular servicing status as well as new 7(a), 504, and microloans disbursed prior to September 27, 2020. This relief is not available for Paycheck Protection Program (PPP) loans or Economic Injury Disaster loans (EIDL). Borrowers do not need to apply for this assistance. It will be automatically provided based on specific criteria. Visit SBA.Gov for more information. You can also contact your lender for details.

Express Bridge Loan

The Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loan or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan. More information is available from SBA.Gov. The Small Business Development Center of Silicon Valley can assist with applying for loans at no cost. You can also contact your lender for details.

Contact Information

For updates on SBA loan information or if you have specific questions, contact the SBA’s District Office in San Francisco:    

You can also contact the Small Business Development Center of Silicon Valley for assistance:

Phone: 408-385-9800

More information about local SBA partners is available by clicking the Local Resources tab below.

Alternatives to SBA Loans

For alternative options to SBA loans, click the "Grants" tab below to learn about small business grants and no-interest and low-interest loan opportunities.

Coronavirus Aid, Relief and Economic Security Act (CARES)

Phase III of the federal government’s financial response to COVID-19, the Coronavirus Aid, Relief and Economic Security Act (CARES) provides $2 trillion allocated for businesses, individuals, federal agencies, and state and local governments. The CARES Act has been designed to distribute capital quickly and broadly. There are a number of provisions that impact small businesses. Visit the SBA’s Small Business Guidance & Loan Resources for a full list of financial assistance options. Specific assistance programs are summarized below. Access the Small Business Owner’s Guide to the CARES Act from the Small Business Development Center. 

Silicon Valley Community Foundation Small Business Relief Fund 

Hosted by Silicon Valley Community Foundation, the Small Business Relief Fund will provide immediate support to struggling self-employed and small business owners. SVCF will partner with Opportunity Fund, California’s largest nonprofit micro-lender, to ensure critical capital remains available to these entities throughout this crisis. More information about the Small Business Relief Fund is available from the Silicon Valley community Foundation.

Opportunity Fund

Opportunity Fund offers simple and affordable loans for business owners who may not qualify for traditional financing. Provide loans to under-served small business owners, including minority and women-owned businesses in low-income communities. Applicants may qualify for between $2,600 to $250,000, depending on the type of loan. Micro loans, which are typically $50,000 or less, may also be available. Loan terms range from 12 to 60 months.

Loans can be used for working capital, equipment purchases, tenant improvements, commercial vehicle purchases (excluding ride share cars), debt refinancing (such as merchant cash advances and tax liens), opening a new location, purchasing another business, and more. Call a loan consultant at 866-299-8173 or visit Opportunityfund.org for more information.

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

Applicability

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

Obligation to Follow Stricter Order

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

Obligation to Follow Health Officer Directives and Mandatory State Guidance

All individuals and entities, including all businesses and governmental entities, must also follow any applicable directives issued by the County Health Officer and any applicable “COVID-19 Industry Guidance” issued by the California Department of Public Health, available at covid19.ca.gov/industry-guidance/.  To the extent that provisions in the directives of the County Health Officer and the guidance of the State Health Officer conflict, the more restrictive provisions apply.

Staying Home is the Best Way to Reduce Risk 

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

Older Adults and Individuals with Serious Underlying Medical Conditions

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

Telework

All businesses must continue to require workers to do their jobs from home whenever possible. Workers can go into work only to complete the job duties they can’t complete from home.

Positive Case Reporting

All businesses (and governmental entities) are legally required to report to the Public Health Department within 4 hours if they learn that any of their workers are confirmed to be positive for COVID-19. They must also ensure workers alert them if they test positive. More information is available from County Public Health Department.

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

Flexible Business Operation Guidelines for All Permitted Businesses

When outdoor business operations are allowed by State and County Health Orders retail, restaurants and general business operations may operate and to encourage economic recovery during the COVID-19 pandemic, the City Council has authorized relaxation of the City’s development standards and permit processes to temporarily allow greater allowances for business operations. These Guidelines will serve as land use allowances until such time as the County Public Health Officer Order is discontinued or the City determines that such operational expansions are no longer warranted.

Operations on Public Sidewalks - Downtown Campbell

When outdoor business operations are allowed by State and County Health Orders, all permitted businesses in the Downtown area are eligible to expand business operations onto public sidewalks provided that enough space can accommodate outdoor business operations and provide access for pedestrians and people with disabilities. Outdoor business activity may be located beyond the applicant’s occupied tenant space and in front of an adjacent tenant space upon the written approval of that tenant. An Outdoor Display (includes all business services) or Outdoor Dining Permit will be required for the creation of or expansion to an existing display/dining area. The application processing fees will be waived. Contact the Community Development Department at planning@campbellca.gov to get started. See the Flexible Business Operation Guidelines for more details.

How to Apply

Contact the Planning Division to get started.

Email: planning@campbellca.gov 

Phone: 408-866-2140

Operations on Private Property - Downtown Campbell

When outdoor business operations are allowed by State and County Health Orders, all permitted businesses may expand their operations within private parking lots and private common areas adjacent to their business locations. While no permits are required for outdoor business operations within private parking lots and private common areas, written approval from property owners is required for use of private property. See the Flexible Business Operation Guidelines for more details.

Flexible Business Operation Guidelines - Private Property Beyond Downtown Campbell

When outdoor business operations are allowed by State and County Health Orders, these guidelines apply to commercial retail and restaurant businesses located and operated entirely on private property.  Both retail and restaurant businesses are eligible to take advantage of these allowances thereby creating improved flexibility from any previously established land use entitlements received for the particular business. Although these are City-established guidelines, tenants will need property owner permission to implement such allowances. No city permits are required for expansion within private property. More information is available in the Flexible Business Operation Guidelines for Private Property


Contact

Michael Thomas, Economic Development Specialist

Phone: 408-866-2192  Email: michaelt@campbellca.gov