For Businesses Impacted by COVID-19


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UPDATE: 11/16 - San Francisco to roll back select activities in response to assignment to state's Red Tier

EXTENDED: 9/29 - Mayor Breed announces extension of Commercial Eviction Moratorium to November 30 Learn More

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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. This page is updated daily.

We're here to help. Questions? Suggestions?

Call or email us at 415-554-6134 or

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The City is making resources available to help sustain as many SF businesses and workers as possible. New federal legislation was finalized on April 24, 2020 that reopened the PPP and EIDL programs after a week-long closure. We are also working hard to develop additional local resources. Check back for updates.



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Do you need help paying for changes and upgrades to your storefront to reopen and operate safely? * NEW *
OEWD has relaunched the SF Shines Program for reopening to offer grants of up to $5K for small businesses. The program offers reimbursement for costs to operate safely, including furniture, fixtures, and barriers. Grantees can also access professional design services to help reconfigure interior and exterior layouts.


SF Shines for Reopening Eligibility

Open to nonprofit and for-profit businesses with an SF license or permit, operating from a storefront and open to the public

Less than 2.5M in gross receipts

Grants are available for past, current, or future physical improvements for health and safety due to COVID-19


Learn more and apply here

Need Help?


Do you own a business with 0-5 employees? * CLOSED *
The City has established a COVID-19 Resiliency Fund to offer emergency grants of up to $10K for small businesses impacted by the pandemic. 128 small businesses from 29 neighborhoods across the City were awarded grants in Phase One. Phase 2 is now closed.

This program is funded by generous donations to the Give2SF COVID-19 Response and Recovery Fund Give2SF a public-private partnership. Contribute here.

Resiliency Fund Eligibility

0-5 full-time equivalent payroll employees

Must be a for-profit business with an SF license or permit

Less than 2.5M in gross receipts

Evidence of at least 25% loss of revenue in a 30-day period

Applicant must be low-income

Note: The eligibility criteria for Phase Two has changed to better reach vulnerable small businesses who may not have received other government funding: (1) business owners with no employees are now eligible, and (2) applicants must be low-income. Awardees will be chosen through a lottery system and a portion of the funds will be reserved for businesses reopening in San Francisco Phases 2C and 3, as well as businesses operating for five or more years.


Apply * CLOSED *
Phase Two of the program closed on June 17.
All eligible applicants to the prior Phase One (March 12-29) as well as to the City’s Neighborhood Mini-Grant program will be automatically re-entered in Phase Two. To check your application status and confirm you've been entered in Phase Two, complete the request form. 

Need Help?
Call us at 415-554-6134 or email



Neighborhood Mini-Grants * CLOSED *
The City has joined with community partners to repurpose existing funds for a new COVID-19 mini-grant program focused on delivering relief to small businesses in historically underserved communities and women-owned businesses. Eligibility and award amounts vary by neighborhood, ranging between $1,000-$10,000. The funds may be used to support expenses such as payroll, rent, and utilities, or to supplement income resulting from a direct loss of business revenue. Neighborhood awards were announced on June 1, 2020. View highlights from our grant programs and a list of recipients.


Neighborhood Mini-Grants Eligibility

Must be located within a target neighborhood boundary or be a woman-owned business
Must be a for-profit business with an SF license or permit
Less than $2.5M in gross receipts
Have temporarily closed, or have evidence of at least 25% loss of revenue
Additional criteria vary by neighborhood

Note: Independent contractors who are 100% women-owned, OR who live in the Bayview or Fillmore may be eligible.


Apply * CLOSED *

As of 5/22/20, the following grant programs are closed: Bayview, Calle 24, Excelsior, Japantown, Lower Fillmore, Mission Street, OMI, Tenderloin. View the impact of this program.
As of 6/22/20, the Women's Entrepreneurship Grant closed.
View the impact of this program.


Need Help?
Call us at 415-554-6134 or email
Community partners are ready to help with your application. Click on your neighborhood to find contact information.



Loans Icon


Are you a Black business owner impacted by COVID-19? * CLOSED *
The City’s African American Small Business Revolving Loan Fund is deploying loans up to $50,000 at 0% interest to support San Francisco Black-owned businesses. There are no fees and no collateral requirements. Long-standing Black-owned businesses and those most severely impacted by the ongoing Shelter-in-Place Health Order will be prioritized. Payments are deferred for the first 12 months and up to 20% of the loan may be forgiven. Funds can be used for machinery and equipment, furniture and fixtures, inventory, working capital (including payroll, rent, other operating expenses), business debt refinance, tenant improvements, and business acquisition in certain circumstances.


Give2SF This program is funded by generous donations to the Give2SF COVID-19 Response and Recovery Fund, a public-private partnership. Contribute here.


Business applicants must: 

Be a for-profit in good standing

Have a valid San Francisco Business License

Have a business bank account (or be prepared to open one)

Demonstrate an annual revenue of less than $2,500,000

Be located or returning to the City of San Francisco unless recently relocated due to COVID-19 and relocation occurred on/or before February 2020


Apply * CLOSED *
As of 8/4/20, the African American Small Business Revolving Loan Fund is closed.





Interested in a zero-interest loan up to $50,000? * REOPENED *
The City’s San Francisco Hardship Emergency Loan Program (SF HELP) rapidly deploys loans up to $50,000 at 0% interest. Funds can be used to pay payroll, rent, utilities, inventory, and more. The loan will have a flexible repayment schedule, with terms determined on a case-by-case basis, based on each borrower’s ability to repay.

Give2SF This program is funded by generous donations to the Give2SF COVID-19 Response and Recovery Fund, a public-private partnership. Contribute here.

SF HELP Eligibility

Be a for-profit business located in SF and in good standing
Have a total annual revenue under $2.5M
Demonstrate a 25% drop in revenues since January 1, 2020
Self-employed, sole-proprietors and independent contractors are eligible
Immigration status does not affect eligibility


Apply * REOPENED *
Learn more and apply here


Need Help?

Contact any of these San Francisco-based Technical Assistance Centers:

Mission Economic Development Agency (MEDA) 415-282-3334 | English, Spanish

Small Business Development Center (SBDC) 415-937-7232 | English, Chinese

Renaissance Center 415-348-6227 (SOMA), 415-647-3728 (Bayview)

Southeast Asian Community Center 415-885-2743 | Chinese, Vietnamese
SCORE 415-764-4964



Want to access the federal SBA Payment Protection Program (PPP) to keep your employees on the payroll? * CLOSED *

The PPP provides small businesses with loans up to $10M at 1% interest. Funds can only be used to pay payroll costs (including benefits), interest on mortgages, rent, and utilities. Download the PPP Loan Forgiveness Application. On June 5, 2020, new federal legislation updated the terms of this program. The loan will now be fully forgiven as long as 60% of the funds are used to cover payroll costs over a 24 week period after the loan is made. Previously, 75% of the funds were required to be used to cover payroll costs, over an 8 week period.

PPP Eligibility

Small businesses and nonprofits with 500 or fewer employees
Certain self-employed, sole-proprietors, and independent contractors
Businesses with more than 500 employees are eligible in certain industries
No collateral or personal guarantees are required
Businesses with alternate sources of credit are still eligible for these loans
Loan size is based on your typical pre-COVID-19 monthly payroll times 2.5, not to exceed $10M


Note: If you do not apply or are ineligible for the PPP, you may be eligible for an Employee Retention Tax Credit up to $10,000 per employee.


Apply * CLOSED *
New funds were added on April 24, 2020. For those who missed the opportunity to apply for the PPP previously, seek out a qualified lender to determine eligibility and apply. For those who already applied but did not receive funding, check with your lender to confirm they will continue to process your application. Download your application here. Submit your application (and required documentation) to a participating lender. Additional information for borrowers can be found here and full terms here.

Need Help?

Find local assistance


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

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

Score 415-764-4964

Small Business Development Center 415-937-7232

Renaissance Entrepreneurship Center 415-541-8580

Berkeley Center for Law and Business sign up here


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

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 April 24, 2020, new funds were added to this 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
Starting March 30, 2020 certain self-employed, sole proprietors, and independent contractors are eligible
Starting March 30, 2020 you do not need to prove you cannot get credit elsewhere


Apply * REOPENED *

The SBA is now 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:

    Score (415) 764-4964

    Small Business Development Center (415) 937-7232

    Renaissance Entrepreneurship Center (415) 541-8580

    Berkeley Center for Law and Business sign up here




Are you waiting to hear back about your EIDL loan?

The SBA Express Bridge Loan allows small businesses who 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?

You can get an Employee Retention Tax Credit up to $10,000 per employee. If you have 100 or fewer full-time employees, you may claim a credit for wages paid to all of your employees. If you have more than 100 employees, you may claim a credit for those furloughed or whose hours have been reduced as a result of closure or economic hardship. NOTE: This tax credit is not available to employers if they take a Paycheck Protection Loan (PPP).



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.


Layoffs Alternatives

There are alternatives to layoffs that can help employers keep their employees when there is a lack of work or during financial hardship.


Do you want to keep your trained employees but still allow them to receive unemployment benefits?

The state’s Work Sharing Unemployment Insurance program allows for the payment of benefits to individuals whose wages and hours have been reduced. For more information, visit Work Sharing.


Have you had to temporarily lay off employees or reduce their hours but expect to rehire them? 

Partial claims are for employees whose employers want to keep them when there is a lack of work. Filing a Partial Claim allows employees to receive unemployment benefits without being required to look for a new job. For more information, visit Partial Claims.


Want to learn more about telecommuting?
Telecommuting can help your business continue operations while employees shelter in place. For more information, visit Resources for Managing Teleworkers.


Rapid Response - Layoff Response Assistance
If you are a business considering work stoppages, layoffs, or furloughs, we offer Rapid Response virtual info sessions on the First and Third Tuesday of the month to inform you and your employees about Unemployment Insurance, Health Benefits, and Job Centers. Register here.


For confidential assistance, contact: or call 415-701-4848 and ask for a Rapid Response Business Services Specialist.


Interested in partnering with the City to pay your employees extra sick leave? * FUND LIMIT REACHED *

If you pay your SF employees for extra sick time, the City will reimburse you $15.59 per hour for extra sick leave up to 40 hours through its new Workers and Families First Program. Read Frequently Asked Questions here and our City’s step-by-step program guide, or call us at 415-554-6134​. As of April 5, 2020, this program is closed and we will begin processing reimbursements April 6, 2020. All businesses that apply going forward will be placed on a waitlist and contacted if funds become available. Apply for the waitlist.

For general information about San Francisco's Paid Sick Leave Ordinance in light of COVID-19, visit the Office of Labor Standards and Enforcement's guidance on COVID-19.




Tell your employees to visit our Resource Page for Employees Impacted by COVID-19


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Can I qualify for City small business financial relief programs?
Yes! Self-employed, sole-proprietors and independent contractors were eligible for many of the City's financial relief programs including: the Resiliency Fund, Neighborhood Mini-Grants, Women's Mini-Grants, and the City's zero-interest loan programs, SF HELP and African American Small Business Revolving Loan Fund, were also available.


Can I qualify for federal small business financial relief programs?

Starting March 30, certain self-employed, sole-proprietors, and independent contractors are eligible for the federal Economic Injury Disaster Loan (EIDL). Learn more about this program on our EIDL section above.

Certain self-employed, sole-proprietors, and independent contractors were also eligible for the federal Payment Protection Program (PPP) which allowed borrowers to access fully forgivable loans up to $10M. You can learn more about this program on our PPP section above.



Can I receive worker benefits if I am self-employed, a sole proprietor, or an independent contractor and lost work? What if I am sick, or caring for a sick family member?

New federal action (CARES Act) expands eligibility through special Pandemic Unemployment Assistance (PUA) to include the self-employed, independent contractors, and people whose benefits have already run out. If you are unable to work or your hours have been reduced due to COVID-19 or you are sick or caring for a sick family member, you may also be eligible for Unemployment Insurance (UI), Disability Insurance (DI), Paid Family Leave (PFL) benefits under a few different scenarios. You can learn more about these benefits on our Employee Resources page.


Are you an artist? * CLOSED *

The City has added $250,000 to the SF Artist Relief Fund for grants to individual artists up to $2,000 (to use as they see fit) to help artists stay in San Francisco. Applications opened on May 1, 2020 and the deadline to apply was May 15, 2020 at 5 PM (PST).


Individuals (artist, teaching artist, cultural producer, etc.):

Must be a full-time resident of San Francisco
Must not be eligible for, or currently on unemployment


Apply * CLOSED *

Learn more at the Center for Cultural Innovation Relief Fund.


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Commercial Evictions Moratorium

The City has ordered a moratorium prohibiting commercial evictions because of nonpayment due to COVID-19. This applies to any rent that was due from March 17, 2020 to November 30, 2020 and this may be extended. NOTE: This does not waive the obligation to pay this missed rent.

See the detailed guidance on the moratorium for tenants and landlords provided by OEWD.

What should I do if I’m unable to pay my rent? Your landlord may not evict for nonpayment of rent due during the moratorium without first providing you a written notice, and at least 30 days from the date of the notice to pay rent. You and your landlord may use this time to develop a payment plan, which may address issues such as how much of the back rent the tenant must repay, and on what schedule.


What if I can’t pay my missed rent within the 30 days? If you’re unable to pay because of COVID-19 and have not yet agreed to a payment plan with your landlord, you can get a 30-day extension by providing documentation, including a letter, email, or other written communication to the landlord that explains the financial impact you are experiencing. Your explanation should be objectively verifiable.

Can I get even more time to pay my missed rent? Yes, you can get further monthly extensions to pay by providing written documentation each month.



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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Personal Protective Equipment (PPE) for SF businesses ━ * NEW *

San Francisco has secured a large shipment of Personal Protective Equipment (PPE) from the California Governor’s Office of Emergency Services (CalOES) and the California Office of the Small Business Advocate (CalOSBA). In collaboration with Community-Based Organizations (CBOs), a one-month supply of PPE will be made available to local small businesses that are open and/or will reopen soon, while supplies last. Visit our PPE page for more information and to learn about how you can participate.

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 Temporary Loading Zones ━ AVAILABLE

SFMTA is fast-tracking converting some adjacent street parking into temporary loading zones for take-out/delivery service to support merchants adapting to COVID-19. There is no fee, simply complete this form for review and processing.


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

The City issued an order making it unlawful for a third-party food delivery service to charge a restaurant a fee per online order for the use of its services that totals more than 15% of the purchase price of online orders. Read more.

The SBA will automatically pay the principal, interest, and fees for current 7(a), 504, and microloans for a period of six months, as well as for new 7(a), 504, and microloans issued prior to September 27, 2020. For more information, visit the SBA's Debt Relief overview.

Business Registration Fees ━ DEFERRED

The City is deferring business registration fees by four months, now due March 1, 2021 instead of May 31, 2020. Read more here.

Business Taxes & Licensing Fees ━ DEFERRED

The City is deferring business taxes due April 30, 2020 for businesses with up to $10M in gross receipts until February 2021 with no interest or penalties. The City is also deferring collection of annual small business license and permit fees until March 1, 2021. For more information, visit this SF Treasurer & Tax Collector webpage.


Business Taxes & Licensing Fees for Nightlife and Entertainment Businesses ━ WAIVED

Relief will be provided by waiving these businesses’ regulatory license fees and Business Registration Fees for two years and by waiving their Payroll Expense Taxes for 2020. This is a fee waiver, not a deferral, so businesses will not have to pay back these fees at a later date. Businesses will still be required to file all business tax returns. Read more.


Business Personal Property Filing ━ EXTENDED

The City extended the filing deadline for Business Personal Property from May 7, 2020 to June 1, 2020 with no interest or penalties. Businesses can still mail in or submit their filings online at any time. For more information, visit the SF Assessor-Recorder's webpage or email for questions.

State Sales and Use Tax ━ EXTENDED

Starting March 30, 2020 all taxpayers who file a return less than $1M, had an additional three months to file. Check this table for the new due dates. If you qualify for this extension, it is automatic, you do not need to apply. If your return is more than $1M, you can still request an extension and it will be evaluated on a case-by-case basis.

Starting April 2, 2020 small business taxpayers with less than $5M in taxable annual sales can qualify for a 12 month, interest-free payment plan. Learn more and apply here.

State Payroll Taxes & Reports ━ EXTENDED
The California Employment Development Division (EDD) is granting a 60-day extension to file state payroll reports and/or deposit state payroll taxes without penalty or interest for employers experiencing hardship from COVID-19. A written request for extension is required. For the most up-to-date information, visit CA EDD’s COVID-19 resource page.


Property Tax Payment ━ DEFERRED
The City is deferring the due date for the second installment of property taxes to at least May 15, 2020 without penalty. If you're unable to pay by this date for reasons related to COVID-19, you can request a penalty waiver online (note: these waiver requests will not be accepted until after the property tax deadline). As a result of the Governor's Executive Order N-61-20, if you are approved for a waiver and you were unable to pay your property taxes for your primary residence or small business because of the COVID-19 crisis, you will have until May 6, 2021 to pay your bill without incurring any late payment penalties.
 For more information, read Frequently Asked Questions about the Property Tax deadline along with the SF Treasurer & Tax Collector's COVID-19 page.

State Income Taxes ━ EXTENDED
California business and individual tax filers affected by COVID-19 have an extension to file and pay state income taxes. For more information, visit the State’s Franchise Tax Board page.

Federal Income Taxes ━ EXTENDED
On March 21, 2020 the Treasury Department and Internal Revenue Service announced that the federal income tax filing due date is automatically extended from April 15, 2020, to July 15, 2020. For more information, visit the IRS COVID-19 page.

Water Shutoffs & Late Fees  ━ SUSPENDED
The City has suspended water shutoffs and late fees during the local COVID-19 Emergency. For information, read the Mayor’s Press Release here.

Water & Sewer Bill Discount  ━ AVAILABLE
Small businesses or nonprofits experiencing financial hardship due to COVID-19 may be eligible for a 20% reduction for six months on their water and sewer bill. The deadline to submit an application is December 31, 2020. However, SFPUC may cease taking applications earlier if funds are exhausted. For more information and to apply, go here.

PG&E Electricity Shutoffs ━ SUSPENDED
PG&E will not disconnect power due to non-payment until further notice and will offer flexible payment plans for those impacted by COVID-19. For more information, visit PG&E’s COVID-19 webpage.

Commercial Garbage Collection ━ SUSPENSION AVAILABLE
Recology is allowing businesses impacted by COVID-19 to suspend their service. Enroll here.

Low-Cost Internet - AVAILABLE
Please find information for free or low-cost Internet here.

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

Guidance for all businesses during Shelter In Place orders. Check our Reopening Page for more information.
Check if your business can be open
Multilingual COVID-19 flyers, graphics, and fact sheets
Up-to-date state resources for businesses
California SBDC COVID-19 resources and FAQs
California ABC Guidance by Liquor License Type and COVID-19 updates
CDC COVID-19 Guidance for Businesses & Workplaces
Temporary Right to Reemployment Following Layoff Due to COVID-19 Pandemic Emergency Ordinance



Webinars to learn best practices and tips:

OEWD hosts Rapid Response/Layoff Response Assistance webinars for businesses and workers affected by COVID-19 with the CA Employment Development Department (EDD).

Tue 2:00 - 3:15 PM register here

SBA's San Francisco Office hosts a series of COVID-19 webinars to answer questions and provide an overview of Disaster Loans and Non-Disaster Loan Programs:

Multiple Dates register here

NorCal Small Business Development Center hosts a series of COVID-19 Loan Q&A webinars four times per week until the end of May. See upcoming webinars and previous webinars.

English: Mon, Wed 10:30 AM join here


Small Business Majority hosts a series of COVID-19 webinars for small businesses. To see previous webinars, go here.

The SF Chamber of Commerce hosts a series of COVID-19 webinars for small businesses.