For Businesses Impacted by COVID-19


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UPDATE: Click to read the latest Health Orders and Directives

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We're glad you found us - helping SF businesses impacted by COVID-19 is our top priority. Read below to learn about city, state and federal resources.

The Commercial Eviction Moratorium ended on September 30, 2021 - Read more


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Grants Icon


Has your storefront business experienced vandalism?

The Storefront Vandalism Relief Grant provides up to $2,000 in financial relief for the restoration of small businesses impacted by deliberate actions that result in destruction or damages of small business storefronts. This program will offer amounts of either $1,000 or $2,000 depending on the total cost incurred to repair physical damages (not including loss of stolen goods or property) and is available on a first-come-first-serve basis, based on fund availability.

Storefront Vandalism Grant Eligibility

Your business must:

Have a storefront
Have less than $8M in gross revenue in 2020
No formula retail except franchises with less than $8M in gross revenue
Have been damaged on or after July 1, 2020
Provide proof of damage



Learn more and apply.

Need Help?

Read the Vandalism Relief page for more info and email if you have more questions or concerns.




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Interested in a low-interest federal SBA Disaster Loan up to $2M?

The Economic Injury Disaster Loan (EIDL) is the federal SBA's disaster loan. It offers SF businesses, nonprofits, certain self-employed, sole proprietors, and independent contractors loans up to $2M with interest rates of 3.75% (2.75% for nonprofits). Loans may be used to pay fixed debts, payroll, accounts payable and other bills. No personal guarantee required for loans $200,000 and under. On December 27, 2020, new funds were added to the EIDL Advance Grant program. SBA has resumed processing applications on a first-come, first-served basis.


EIDL Eligibility

Suffered substantial economic impact
Business and nonprofits with fewer than 500 employees
Certain self-employed, sole proprietors, and independent contractors are eligible
You do not need to prove you cannot get credit elsewhere



The SBA is accepting new applications. NOTE: You can check your status by logging into your account.
Apply online.

Need Help?

More information and FAQs can be found here.

Find local assistance

SBA Customer Service: 1-800-659-2955 or

Or contact one of these San Francisco-based Technical Assistance Centers:

    SF Small Business Development Center (415) 937-7232

    Renaissance Entrepreneurship Center (415) 541-8580

    Mission Economic Development Agency (MEDA) (415) 282-3334

    Southeast Asian Community Center (SEACC) (415) 885-2743




Are you waiting to hear back about your EIDL loan?

The SBA Express Bridge Loan allows small businesses that currently have an existing business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. If you have an urgent need for cash while waiting for a decision and disbursement on an EIDL loan, contact your business' bank to see if you qualify




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Have you been impacted by COVID-19 or the Shelter in Place order and continued to pay your workers?

The Employee Retention Tax Credit (ERTC) is a refundable tax credit that rewards businesses up to $33,000 per employee. The ERTC was designed to reward and encourage businesses to keep their employees on payroll. It has been dramatically expanded to provide more financial relief to a larger group of employers. Employers can take advantage of the ERTC against federal employment taxes via qualified wages paid to their employees from March 13, 2020 to December 31, 2021. Businesses can retroactively claim the credit against past quarters. The ERTC has a maximum credit of $5,000 per employee in 2020, and a maximum of $28,000 per employee in 2021.

NOTE: Businesses that received a PPP loan are eligible to claim this credit.

We strongly recommend that you speak to your CPA to help your business maximize the value of the ERTC. If you do not currently work with one, the San Francisco Chamber of Commerce has a list of local CPAs For more information, go to




Employers can now let workers change health plans without waiting

Under I.R.S. guidance issued May 12, 2020, businesses now have more flexibility to allow workers to make changes to their health plans outside an enrollment period. The change doesn’t require employers to offer these options; they must opt-in if they want to give their employees the added flexibility. This may be applied to health plans retroactively to January 1, 2020.


For example, employers can let their workers drop out of their health insurance if they have another option, or sign up if they failed to earlier in the year. Workers may also add more family members to their plan, or switch from one workplace plan to another.


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Commercial Eviction Moratorium

The Commercial Eviction Moratorium ended on September 30, 2021 when the Governor’s Executive Order expired. State law controls what San Francisco and all local governments can do with respect to laws governing commercial landlords and tenants. San Francisco has been able to limit commercial evictions due to the Governor's Executive Orders, which temporarily suspends state law. On June 11, 2021 the Governor issued Executive Order N-08-21, which extended the timeframe for protections stated in the previous Executive Orders through September 30, 2021. Accordingly, the Moratorium Period began on March 16, 2020 and expired on September 30, 2021.

The moratorium has been in place since March 2020 and prohibits commercial evictions because of nonpayment due to COVID-19. It applies to any rent that was due from March 18, 2020 to September 30, 2021, and may be extended.


For more information about what to do if you are unable to pay your rent and the forbearance process, visit our Commercial Eviction Moratorium page.

Commercial Tenant Number of Full-Time Equivalent Employees (FTE) Forbearance Period (Repayment Period) Forbearance End Date
Tier 1 Fewer than 10 FTE 24 Months September 30, 2023
Tier 2 Between 10 and 24 18 Months March 30, 2022
Tier 3 Between 25 and 49 12 Months September 30, 2022
Tier 4 50 or more FTE None September 30, 2021

For more information about calculating your number of Full-Time Equivalent Employees, read our detailed guidance.


A commercial tenant and/or subtenant
Registered to do business in San Francisco
Annual gross receipts at or below $25M
Month-to-month or holdover tenants are eligible


Need Help?
Read our FAQs to learn more
If you still have questions, contact our Small Business Assistance Center
Or contact one of these San Francisco-based legal assistance providers:
Legal Services for Entrepreneurs 415-543-9444 x217,
SF Bar Association 415-782-8940


Commercial Lease Assistance

The City partners with the Lawyer’s Committee for Civil Rights to help SF small businesses (“mom and pop shops”) at risk of displacement with lease review and negotiation and related services. Enroll here.


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Shared Spaces ProgramAVAILABLE

The City allows businesses to apply for a no-cost, expedited permit to share the sidewalk or parking lane for restaurant pickup and general retail. Apply here.

SFMTA Color Curb Renewal Late Fees ━ TEMPORARILY WAIVED

Businesses with white and/or green zones may receive renewal invoices from the Color Curb Program. Renewals for white and green zones are invoiced every two years. If your business is closed due to COVID-19, please email to postpone the renewal or revoke the zone. All late fees are temporarily waived. For more information, go here.

Third-Party Delivery Fees ━ TEMPORARILY CAPPED

In December 2020, the City adopted legislation establishing a number of requirements for transactions between San Francisco restaurants and third-party food delivery services. These provisions include making it unlawful for a third-party food delivery service to charge a restaurant a fee per online order that totals more than 15% of the purchase price of the order, among other requirements. Learn more and report a violation.

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Use trusted resources to stay up-to-date with accurate COVID-19 information:

Find ALL COVID-19 Health Orders and Directives issued since the start of the pandemic
CDC COVID-19 Guidance for Businesses & Workplaces
Right to Reemployment Following Layoff Due to COVID-19 Pandemic