For Businesses Impacted by COVID-19

FOR BUSINESSES IMPACTED BY COVID-19

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UPDATE: 1/12 - Mayor Breed announces new $62 million relief plan for small businesses

 

PPP UPDATE: 1/13 - PPP has reopened

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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 sfosb@sfgov.org
 

Available in: 中文(简体) | English | Español

Leave a message and we’ll return your call


Click here for non-government resources

How can the City support you as we recover?
Take the Survey and Learn More

 

I am looking for:

LOANS   ·   GRANTS   ·   HELP FOR EMPLOYEES   ·   HELP FOR SELF-EMPLOYED
REAL ESTATE ASSISTANCE   ·   OTHER RELIEF   ·   GENERAL INFORMATION

WEBINARS    ·   LOCAL PPE ·   REOPENING UPDATES  ·  FEDERAL RELIEF

 

 


FINANCIAL RESOURCES
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The City is making resources available to help sustain as many SF businesses and workers as possible. As of December 22, 2020 new federal legislation was passed by Congress that reopened the PPP, modified EIDL, and added additional funding and changes for programs. We are also working hard to develop additional local resources. Check back for updates.

 

 


FEDERAL RELIEF * NEW *

New federal legislation signed into law on December 27, 2020 provides new COVID-19 relief funding for small businesses. This section will be updated as details are finalized.

 

Paycheck Protection Program (PPP) * NEW *

$284 Billion has been added to the PPP, expanding eligibility, increasing flexibility, covering additional costs, making loan forgiveness easier, and allowing previous PPP recipients to obtain a second PPP loan. To read a summary of the new loan terms, click here.

View a webinar on best practices for applying to the PPP also available in Cantonese, Russian, or Spanish.


Economic Injury Disaster Loans (EIDL)

$20 Billion has been added to the EIDL Advance grants program, which provides additional funding for eligible entities in low-income communities.

Save Our Stages Grant Program * OPENING SOON *

$15 Billion in grants will be available to support live entertainment venues. Eligible businesses include live entertainment venues and promoters, movie theaters, museums, performing arts organizations, and talent representatives. Applications are not yet available. Check back here for updates.
 

 

ACTIVE GRANTS & LOANS

You can view past COVID-19 relief programs that are no longer active by clicking here.

 

Grants Icon


Do you need help paying for your Shared Space improvements?

The Shared Spaces program has launched the Shared Spaces Equity Grants to offer grants up to $5K for small businesses and groups that hold permits through the Shared Spaces program. The program offers reimbursement for costs including movable furniture, fixtures, and barriers, as well as for technical assistance, site monitoring, and other expenses related to Shared Spaces.
 

SF Shines for Reopening Eligibility

Open to nonprofit and for-profit businesses with a Shared Spaces Permit

 

Apply

Learn more and apply here

 

Need Help?

Email sharedspaces@sfgov.org

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Do you need help paying for changes and upgrades to your storefront to reopen and operate safely?
OEWD has relaunched the SF Shines Program for reopening to offer grants 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

 

Apply
Learn more and apply here

Need Help?
Email
sfshines@sfgov.org

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Do you own a small business that has yearly gross revenue of $2.5 million or less? * NEW *

The State of California has established a COVID-19 Relief Grant Program to offer grants up to $25K for small businesses impacted by COVID-19 health and safety restrictions such as business interruptions or business closures. Grant amounts vary based on the applicants' annual revenue as documented in their most recent tax return.

 

CA Relief Grant Eligibility

Active businesses or nonprofits operating since at least June 1, 2019, and must be able to provide documentation

Less than 2.5M in gross revenue based on 2018 or 2019 tax returns

Business must be impacted by COVID-19 and the health and safety restrictions such as business interruptions or business closures incurred 

Businesses must currently be operating or have a clear plan to reopen once the State of California permits re-opening of the business

 

Apply * NEW *

Learn more. Applications will be made available by partner organizations. You can apply by finding a partner in San Francisco or by language

 

Round 1 Key Dates

Application Opens

December 30, 2020 at 8:00 AM

Application Closes

January 13, 2021 at 11:59 PM

Start of Approval Notifications

January 15, 2021

 

Need Help?

See answers to Frequently Asked Questions

 

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SF Relief grants of $5k - $20k * OPENING SOON *

The Mayor has announced the SF Relief Grant program to provide immediate relief to help stabilize small business operations with grants of $5k to $20k based on the business’ number of employees in February of 2020. The goal of this program will be to reach businesses across the City and in high need neighborhoods in particular. This program will support small businesses operated by people of color, women, long-standing businesses, those most impacted by Stay-at-Home orders, and those that were excluded from or otherwise unable to access state and federal programs.

 

Eligibility

Must have a San Francisco location and/or a San Francisco business license to operate

Additional eligibility will be announced at the program launch

 

Apply * OPENING SOON  *

This program will launch in February. Check back for updates.


Read a summary of the City’s COVID-19 relief efforts.

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Do you own a business in the live entertainment industry? * OPENING SOON *

The Save Our Stages grant program will provide grants to support live entertainment, theatrical, and other arts and culture businesses.

 

Save Our Stages Grant Eligibility

Live entertainment venues, live entertainment promoters, performing arts organizations, museum operators, movie theater operators, and talent representatives

Demonstrate a loss of 25% of gross receipts in any quarter
Must not be a large operator including publicly traded corporations, businesses with locations in 2 or more countries or 10 or more states, or 500 or more employees

Grant amounts may be up to 45% of gross revenue earned during 2019, or $10 million

An entity is not eligible if it receives a PPP loan on or after the date of enactment of the new relief bill

 

 

Apply * OPENING SOON *

Applications are not yet available. Small employers and businesses experiencing the largest percentage decline in revenue will be prioritized in the first several weeks that the program is open. Supplemental grants may also be available later depending on funding availability. Check back for updates.


Need Help?
Read a helpful summary of the Save Our Stages Act from the National Independent Venue Association (NIVA)

 

 

Loans Icon
 

Interested in a zero-interest loan up to $50,000?

The City’s Latino Small Business Fund, an extension of the 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.

 

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

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

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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

 

Apply

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 disastercustomerservice@sba.gov

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

 

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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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Payment Protection Program (PPP) * NEW *

$284 Billion has been added to the PPP and program terms have been updated. This program will reopen Monday, January 11th for first-time PPP borrowers and Wednesday, January 13th for previous PPP recipients. Initially, only community development financial institutions (CDFIs) will be able to accept applications. Other banks will be able to accept applications shortly thereafter. Learn more about the new PPP.

 

PPP Eligibility

Small businesses and nonprofits with 300 or fewer employees that were in operation before February 15, 2020, now including 501(c)6 and certain other organizations
Certain self-employed, sole-proprietors, and independent contractors
Demonstrate a loss of 25% of gross receipts in any comparable quarter between 2019 and 2020
No collateral or personal guarantees are required
Loan size is based on your typical pre-COVID-19 monthly payroll times 2.5, not to exceed $10M. Accommodations and Food Services may receive a loan amount up to 3.5 times their pre-COVID-19 monthly payroll.
For Second Draw PPP loans, the same employee and loss of gross receipts requirements apply, and you must have used, or will use, the full amount of your first PPP loan for authorized uses.

 

Apply * NEW *
New funds were committed on December 27, 2020. Applications will be available through CDFIs on Monday, January 11th for first-time PPP borrowers and Wednesday, January 13th for previous PPP recipients. Other banks will be able to accept applications shortly thereafter. Check back here for updates.

 

First-time borrowers download the First Draw Application and submit it to a qualified lender.

Second-time borrowers download the Second Draw Application and submit it to a qualified lender.


Need Help?

SBA Customer Service: 1-800-659-2955 or answerdesk@sba.gov

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

View a webinar on best practices for applying to the PPP also available in Cantonese, Russian, or Spanish.

 

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Interested in a loan up to $250,000? * ANNOUNCED *

The Mayor has announced the SF Community Investment Loan aimed at supporting businesses by providing working capital, especially to those left out of existing relief programs. This will include a focus on microloans for businesses who may not otherwise be in a position to borrow capital as well as businesses that normally generate more than $2.5 million in annual revenue, including many restaurants. The City plans to make up to $50 million in loans available, offering San Francisco small businesses very low to zero-interest loans up to $250,000.
  

Eligibility

Be a business located in SF and in good standing

Additional eligibility will be announced at the program launch

 

Apply * ANNOUNCED  *

Check back for updates.

 

 

 


HOW TO HELP YOUR EMPLOYEES
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Have you been impacted by COVID-19 or the Shelter in Place order and continued to pay your workers? * UPDATED *

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

For the 2020 tax year, a business is eligible if they are affected by a government-mandated shutdown and can show a 50% drop in Gross Receipts in any quarter as compared to 2019, and a credit of up to $5,000 per employee is available. This is available in addition to the PPP loan but wages paid with PPP funds cannot be applied to the credit calculation.

For the 2021 tax year, a business is eligible if they are affected by a government-mandated shutdown and can show just a 20% drop in Gross Receipts in any quarter as compared to 2019 (pre-COVID) and the credit is up to $7,000 per employee, per quarter for the first 2 quarters of 2021.

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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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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.

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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.

 

Questions?
For confidential assistance, contact: business.services@sfgov.org or call 415-701-4848 and ask for a Rapid Response Business Services Specialist.

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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.

 

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

 

HELP FOR SELF-EMPLOYED, SOLE-PROPRIETORS, AND INDEPENDENT CONTRACTORS
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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?
Yes!

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.

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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.

 



 

REAL ESTATE ASSISTANCE
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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 January 31, 2021 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.

 

Eligibility 

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
415-554-6134, sfosb@sfgov.org
Or contact one of these San Francisco-based legal assistance providers:
Legal Services for Entrepreneurs 415-543-9444 x217, lse@lccrsf.org
SF Bar Association 415-782-8940
, cis@sfbar.org


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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.

 

OTHER RELIEF YOU SHOULD KNOW ABOUT
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Personal Protective Equipment (PPE) for SF businesses AVAILABLE

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 ccp@sfmta.com 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.

SBA Loans ━ DEFERRED
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 * UPDATED *

The City is deferring business registration fees, now due April 30, 2021 instead of May 31, 2020. Read more here.
 

Business Registration Fees for Restaurants ━ WAIVED * NEW *

For businesses with a restaurant permit and gross receipts of less than $750,000, the City will waive the previously deferred regulatory license and Business Registration fees due on March 1, 2021, and also waive 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. Read more here.

 

Business Taxes & Licensing Fees ━ DEFERRED * UPDATED *

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 April 30, 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 askbpp@sfgov.org for questions.


Small Business Tax Credit ━ * NEW *

A hiring tax credit is available for businesses that had 100 or fewer employees as of Dec. 31, 2019, and suffered a 50% or greater decrease in income tax gross receipts when comparing 2nd quarter 2020 to 2nd quarter 2019. Employers who satisfy those two conditions can claim a $1,000 credit for each net increase in qualified employees. It is available through Jan. 15, 2021 or until the allocated $100M available is exhausted. Learn more and apply here.

California Rebuilding Fund ━ OPEN

Loans up to $100,000 are available for qualifying businesses, with 3- to 5-year terms and fixed interest. Businesses that employed 50 or fewer full-time equivalent employees (FTEs) and had gross revenues of less than $2.5 million or below in 2019 are eligible to apply. You can fill out a pre-application to get matched with a participating community lender. Learn more and apply here.


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 an 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.


GENERAL INFORMATION & DOCUMENTS
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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

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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.

 

 

 

 

INACTIVE GRANTS & LOANS

The relief programs below are now closed or inactive.

 

Grants Icon

 

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
investSF@sfgov.org

 

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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
sfosb@sfgov.org
Community partners are ready to help with your application. Click on your neighborhood to find contact information.

 

 

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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).

 

Eligibility
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.

 

 

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.

 

Questions?

Email admin@sfaacc.org


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Interested in a zero-interest loan up to $50,000? * CLOSED *
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 * CLOSED *
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

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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

PPP FAQs

SBA Customer Service: 1-800-659-2955 or answerdesk@sba.gov

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