Our thoughts are with all who have been impacted by the recent outbreak of COVID-19. As business owners and leaders it is important to remain informed and prepared as this outbreak continues to impact our local and global communities. The Economic Development Collaborative has compiled a list of resources now available for employers, self-employed individuals and employees who have been impacted by COVID-19. This page will be updated as new resources become available.
COVID-19 Business Resources
IMMEDIATE RECOMMENDED ACTIONS
As the spread and impact of COVID-19 is still an unknown, the EDC recommends businesses, self-employed individuals, nonprofits and employees to take the following action steps:
- REVISIT YOUR CASH FLOW NEEDS- As the reopening plan remains fluid with unknown timelines, we recommend clients reconsider cash flow needs for the next 8- 12 months and seek additional capital as needed.
- PREPARE TO REOPEN- The State of California has outlined the new Blueprint for a Safer Economy. Both Ventura and Santa Barbara County are considered to have a “widespread” county risk level. Many non-essential indoor business operations are to remain closed, but as of August 31, 2020, counties in the “widespread” (purple) tier may open some businesses and activities with modifications, including all retail, shopping centers at maximum 25% capacity, and hair salons and barbershops indoors. If your business has not yet been permitted to reopen, take the necessary steps to be prepared and aware of compliance measures required for reopening. For more information please visit www.venturacountyrecovers.org (Ventura County) and www.publichealthsbc.org (Santa Barbara County).
- REVISIT YOUR BUSINESS PLAN- Does your current business model limit your ability to conduct business given the impact of COVID-19? Can you pivot your model to sell products and services in another way? EDC SBDC advisors can help you create a new model during this moment of transition.
- CONNECT WITH YOUR LANDLORD- Are you currently a commercial tenant? Governor Newsom has issued an Executive Order implementing a statewide moratorium on evictions through September 30. If you are currently renting and unable to pay rent due to financial hardship and the impact of COVID-19, we encourage you to inform your landlord by completing a Declaration of COVID-19 Related Financial Distress in order to preserve your rights as a tenant. For more information on COVID-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website. For more guidance for renters & landlords, you can re-watch the EDC’s commercial lease webinar below in the “Previous Webinars” section or review the PDF version here. For more information on the Tenant, Homeowner, and Small Landlord Relief and Stabilization Act of 2020 view our EDC Legal Alert here.
- CONTACT YOUR INSURANCE PROVIDER- In response to numerous complaints from businesses and public officials, on April 14, 2020 the California Insurance Commissioner required companies to comply with their contracts and California law by fairly investigating all business interruption claims caused by COVID-19 – just as they would for any disaster. If you have business disruption insurance we encourage you to connect with you provider and file a claim. For more information, please call 800.927.4357 or visit ca.gov.
- SEEK PROFESSIONAL GUIDANCE- If your business has experienced economic injury or hardship due to the impact of COVID-19 you do not have walk alone. EDC SBDC Advisors can assist during this time at no cost to you. Please call 805.409.9159 to schedule an appointment.
- SEEK EMOTIONAL SUPPORT – If you are experiencing emotional trauma or need mental health resources, call Give an Hour which offers NO COST counseling, mental health and emotional well-being services. Visit https://giveanhour.org/get-help/ or email info@giveanhour.org. Give an Hour does not provide emergency services. For immediate help: Call the National Suicide Prevention Lifeline at 1-800-273-8255, Veterans press 1. OR text SIGNS to 741741 for the Crisis Text Line. Both services are free and available 24/7. Additional Mental Health Resources.
- APPLY FOR UNEMPLOYMENT- If you have lost hours or wages due to the impact of COVID-19, we encourage you to file for Pandemic Unemployment Assistance, which is now available for Self-Employed Individuals. Apply for PUA
- REVISIT YOUR CASH FLOW NEEDS- As the reopening plan remains fluid with unknown timelines, we recommend clients reconsider cash flow needs for the next 8- 12 months and seek additional capital as needed.
- PREPARE TO REOPEN- The State of California has outlined the new Blueprint for a Safer Economy. Both Ventura and Santa Barbara County are considered to have a “widespread” county risk level. Many non-essential indoor business operations are to remain closed, but as of August 31, 2020, counties in the “widespread” (purple) tier may open some businesses and activities with modifications, including all retail, shopping centers at maximum 25% capacity, and hair salons and barbershops indoors. If your business has not yet been permitted to reopen, take the necessary steps to be prepared and aware of compliance measures required for reopening. For more information please visit www.venturacountyrecovers.org (Ventura County) and www.publichealthsbc.org (Santa Barbara County).
- REVISIT YOUR BUSINESS PLAN- Does your current business model limit your ability to conduct business given the impact of COVID-19? Can you pivot your model to sell products and services in another way? EDC SBDC advisors can help you create a new model during this moment of transition.
- CONNECT WITH YOUR LANDLORD- Are you currently a commercial tenant? Governor Newsom has issued an Executive Order implementing a statewide moratorium on evictions through September 30. If you are currently renting and unable to pay rent due to financial hardship and the impact of COVID-19, we encourage you to inform your landlord by completing a Declaration of COVID-19 Related Financial Distress in order to preserve your rights as a tenant. For more information on COVID-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website. For more guidance for renters & landlords, you can re-watch the EDC’s commercial lease webinar below in the “Previous Webinars” section or review the PDF version here. For more information on the Tenant, Homeowner, and Small Landlord Relief and Stabilization Act of 2020 view our EDC Legal Alert here.
- CONTACT YOUR INSURANCE PROVIDER- In response to numerous complaints from businesses and public officials, on April 14, 2020 the California Insurance Commissioner required companies to comply with their contracts and California law by fairly investigating all business interruption claims caused by COVID-19 – just as they would for any disaster. If you have business disruption insurance we encourage you to connect with you provider and file a claim. For more information, please call 800.927.4357 or visit ca.gov.
- SEEK PROFESSIONAL GUIDANCE- If your business has experienced economic injury or hardship due to the impact of COVID-19 you do not have walk alone. EDC SBDC Advisors can assist during this time at no cost to you. Please call 805.409.9159 to schedule an appointment.
- SEEK EMOTIONAL SUPPORT – If you are experiencing emotional trauma or need mental health resources, call Give an Hour which offers NO COST counseling, mental health and emotional well-being services. Visit https://giveanhour.org/get-help/ or email info@giveanhour.org. Give an Hour does not provide emergency services. For immediate help: Call the National Suicide Prevention Lifeline at 1-800-273-8255, Veterans press 1. OR text SIGNS to 741741 for the Crisis Text Line. Both services are free and available 24/7. Additional Mental Health Resources.
- REVISIT YOUR CASH FLOW NEEDS- As the reopening plan remains fluid with unknown timelines, we recommend clients reconsider cash flow needs for the next 8- 12 months and seek additional capital as needed.
- PREPARE TO REOPEN- The State of California has outlined the new Blueprint for a Safer Economy. Both Ventura and Santa Barbara County are considered to have a “widespread” county risk level. Many non-essential indoor business operations are to remain closed, but as of August 31, 2020, counties in the “widespread” (purple) tier may open some businesses and activities with modifications, including all retail, shopping centers at maximum 25% capacity, and hair salons and barbershops indoors. If your business has not yet been permitted to reopen, take the necessary steps to be prepared and aware of compliance measures required for reopening. For more information please visit www.venturacountyrecovers.org (Ventura County) and www.publichealthsbc.org (Santa Barbara County).
- REVISIT YOUR BUSINESS PLAN- Does your current business model limit your ability to conduct business given the impact of COVID-19? Can you pivot your model to deliver services in another way? EDC SBDC advisors can help you create a new model during this moment of transition.
- CONNECT WITH YOUR LANDLORD- Are you currently a commercial tenant? Governor Newsom has issued an Executive Order implementing a statewide moratorium on evictions through September 30. If you are currently renting and unable to pay rent due to financial hardship and the impact of COVID-19, we encourage you to inform your landlord by completing a Declaration of COVID-19 Related Financial Distress in order to preserve your rights as a tenant. For more information on Covid-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website. For more information on COVID-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website. For more guidance for renters & landlords, you can re-watch the EDC’s commercial lease webinar below in the “Previous Webinars” section or review the PDF version here. For more information on the Tenant, Homeowner, and Small Landlord Relief and Stabilization Act of 2020 view our EDC Legal Alert here.
- CONTACT YOUR INSURANCE PROVIDER- In response to numerous complaints from businesses and public officials, on April 14, 2020 the California Insurance Commissioner required companies to comply with their contracts and California law by fairly investigating all business interruption claims caused by COVID-19 – just as they would for any disaster. If you have business disruption insurance we encourage you to connect with you provider and file a claim. For more information, please call 800.927.4357 or visit ca.gov.
- SEEK PROFESSIONAL GUIDANCE- If your organization has experienced economic injury or hardship due to the impact of COVID-19 you do not have walk alone. EDC SBDC Advisors can assist during this time at no cost to you. Please call 805.409.9159 to schedule an appointment.
- SEEK EMOTIONAL SUPPORT – If you are experiencing emotional trauma or need mental health resources, call Give an Hour which offers NO COST counseling, mental health and emotional well-being services. Visit https://giveanhour.org/get-help/ or email info@giveanhour.org. Give an Hour does not provide emergency services. For immediate help: Call the National Suicide Prevention Lifeline at 1-800-273-8255, Veterans press 1. OR text SIGNS to 741741 for the Crisis Text Line. Both services are free and available 24/7. Additional Mental Health Resources.
- APPLY FOR UNEMPLOYMENT- If you have lost hours or wages due to the impact of COVID-19, we encourage you to file for unemployment benefits. Apply for unemployment NOTE: Governor’s Emergency Proclamations waive the non-payable one-week waiting period for regular UI benefit payments to eligible individuals affected by current disasters. This means individuals can be paid benefits for the first week they are unemployed due to the disaster. Additionally, under the CARES Act, weekly premium amounts have been increased and the period of benefits has been extended.
- CONNECT WITH YOUR LANDLORD- Are you currently renting? Governor Newsom has issued an Executive Order implementing a statewide moratorium on evictions through September 30. If you are currently renting and unable to pay rent due to financial hardship and the impact of COVID-19, we encourage you to inform your landlord by completing a Declaration of COVID-19 Related Financial Distress in order to preserve your rights as a tenant. For more information on Covid-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website. For more information on COVID-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website. For more guidance for renters & landlords, you can re-watch the EDC’s commercial lease webinar below in the “Previous Webinars” section or review the PDF version here. For more information on the Tenant, Homeowner, and Small Landlord Relief and Stabilization Act of 2020 view our EDC Legal Alert here.
- SEEK EMOTIONAL SUPPORT – If you are experiencing emotional trauma or need mental health resources, call Give an Hour which offers NO COST counseling, mental health and emotional well-being services. Visit https://giveanhour.org/get-help/ or email info@giveanhour.org. Give an Hour does not provide emergency services. For immediate help: Call the National Suicide Prevention Lifeline at 1-800-273-8255, Veterans press 1. OR text SIGNS to 741741 for the Crisis Text Line. Both services are free and available 24/7. Additional Mental Health Resources.
Webinars
EDC hosts webinars every week on resources and assistance now available for employers, self-employed individuals and employees under the CARES Act. Webinars are held in English and Spanish. Space is limited. Please register in advance.
Previous Business Webinars
August 27, 2020 “PPP Forgiveness – How to Get the Application Right as a LLC, C- or S-Corporation”
View the PDF version of “PPP Forgiveness – How to Get the Application Right as a LLC, C- or S- Corporation”
August 26, 2020 “PPP Forgiveness – How to Get the Application Right as a Self-Employed or Sole Proprietor Business”
View the PDF version of “PPP Forgiveness – How to Get the Application Right as a Self-Employed or Sole Proprietor Business”
July 23, 2020 “Guidance for Renters and Landlords During COVID-19″
View the PDF version of “Guidance for Renters and Landlords During COVID-19”
July 15, 2020 “Mitigating Risk in the Workplace During COVID-19”
View the PDF version of “Mitigating Risk in the Workplace During COVID-19”
June 24, 2020 “Beginner’s Guide to Instagram for Business- Part 1”
June 17, 2020 “Beginner’s Guide to Instagram for Business- Part 2”
June 10, 2020 “Beginner’s Guide to Instagram for Business- Part 3”
June 3, 2020 “Rebuilding For Profit During Disruption”
May 28, 2020 “Managing Options: Business Closure or Restructure”
May 13, 2020: “How to Manage Federal Funds- PPP + EIDL Best Practices”
April 29, 2020: “Navigating Local, State and Federal Resources Available Through the CARES Act”
Previous Nonprofit Webinars
April 7, 2020: “Navigating Local, State and Federal Resources Available Through the CARES Act”
Previous Spanish Webinars
May 29, 2020: “Recursos Para Pequeñas Empresas”
Recovery Resources
The Economic Development Collaborative has compiled a list of resources now available for businesses, self-employed individuals, nonprofits and employees who have been impacted by COVID-19. This page will be updated as new resources become available.
Federal, State & Local Programs
1. Paycheck protection program (ppp)
This SBA loan program may be accessed through any bank that currently issues SBA 7a guarantee loans. Check with your local bank to see if they are an approved lender. The new loan program will be available retroactive from Feb. 15, 2020, so employers can rehire their recently laid-off employees through August 8, 2020. NOTE: For more information please visit the SBA website. For frequently asked questions please visit the U.S. Department of Treasury. For the Paycheck Protection Loan Forgiveness Application click here.
KEY FEATURES OF PPP:
- Eligible businesses: All small businesses, including non-profits, Veterans organizations, Tribal concerns, sole proprietorships, self-employed individuals, and independent contractors, with 500 or fewer employees, or no greater than the number of employees set by the SBA as the size standard for certain industries
- Maximum loan amount up to $10 million. For more information on how to calculate your maximum loan amount please visit this link.
- Loan will be fully forgiven if proceeds are used for payroll costs and other designated business operating expenses in the 24 weeks following the date of loan origination
- All loans under this program will have the following identical features:
- Interest rate of 1%
- Maturity up to 5 years
- First payment deferred for six months
- 100% guarantee by SBA
- No collateral
- No personal guarantees
- No borrower or lender fees payable to SBA
2. SBA ECONOMIC INJURY DISASTER LOANS (EIDL)
The U.S. Small Business Administration offers low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Under the CARES act, the existing loan has been expanded. Key features include:
- Up to $2,000,000, up to 30 year terms, 2.75% for nonprofits, 3.75% for all other businesses, including independent contractors, self-employed.
- No restrictions on types of non-profit firms eligible (though final guidance pending).
- Waives personal guarantees and requirement for at least one year in business for applications for less than $200,000
- Includes provision for an up to $10,000 grant for successful applicants.
Applicants may apply online. Applicants may also call (800) 659-2955 or email disastercustomerservice@sba.gov. Individuals who are deaf or hard-of-hearing may call (800) 877-8339. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.
3. EIDL/PPP Comparison
For a side by side comparison of the Economic Injury Disaster Loan (EIDL) and Paycheck Protection Program (PPP) click below to learn more.
EDC EIDL AND PPP OVERVIEW – ENGLISH
EDC EIDL AND PPP OVERVIEW – SPANISH
4. EDD Workshare PROGRAM
This EDD program allows employers to seek an alternative to layoffs – retaining their trained employees by reducing their hours and wages that can be partially offset with UI benefits. Visit the Work Sharing Program to learn more about its benefits for employers and employees, and how to apply.
5. UNEMPLOYMENT – PANDEMIC UNEMPLOYMENT ASSISTANCE (PUA)
Unemployment benefits are available for you and your employees. If you have lost hours or wages due to the impact of COVID-19, we encourage you to file for Pandemic Unemployment Assistance (PUA), which has now been extended to all self-employed individuals. If you have laid off employees or reduced their wages due to the impact of COVID-19, encourage them to apply for unemployment.
The CARES Act increases the premium over the usual rates of unemployment insurance and extends the length of unemployment benefit terms. The Act provides an additional $600 increase over an applicant’s approved weekly benefit through July 31, 2020. Additionally, unemployment benefits have been extended for a period of 39 weeks.
Apply for unemployment here.
For more information about turnaround times and payments click here.
6. Families First Coronavirus Response Act (FFCRA or Act)
The Families First Coronavirus Response Act (FFCRA or Act) requires certain employers to provide their employees with paid sick leave or expanded family and medical leave for reasons related to COVID-19 beginning April 1, 2020 through December 31, 2020. For more information visit the Department of Labor’s website. More questions? Visit the Department of Labor’s Q&A page.
7. EDC DISASTER LOAN FUND
In addition to our traditional EDC loan funds, EDC is offering 4.25% interest loans from $5,000- $50,000 and a 48 month term through our Disaster Loan Fund to give a cash flow boost to businesses impacted by reduced sales, supply chain disruption or other challenges related to COVID-19. Email loans@edcollaborative.com for more information.
8. WOMEN’S ECONOMIC VENTURES (WEV) QUICK RESPONSE LOAN
WEV’S Loan Fund is designed to provide financial support to businesses experiencing economic hardship due to Covid19, assist business start ups and business expansion. Visit WEV’s website for more information.
9. Give an Hour
Give an Hour offers NO COST counseling, mental health and emotional well-being services.
Visit https://giveanhour.org/get-help/ or email info@giveanhour.org.
Give an Hour does not provide emergency services. For immediate help: Call the National Suicide Prevention Lifeline at 1-800-273-8255, Veterans press 1. OR text SIGNS to 741741 for the Crisis Text Line. Both services are free and available 24/7. Additional Mental Health Resources.
Tax Filing Extensions
1. PAYROLL TAX FILING EXTENSION
Current provision allows employers statewide directly affected by COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit payroll taxes without penalty or interest. For more information please visit EDD website. NOTE: The CARES act allows businesses to delay the payment of 2020 payroll taxes until 2021 and 2022. More information to follow.
2. STATE EXTENSION FILING PERSONAL AND BUSINESS TAXES
The Franchise Tax Board announced special tax relief for California taxpayers affected by the COVID-19 pandemic. Affected taxpayers are granted an extension to file 2019 California tax returns and make certain payments to June 15, 2020, for all tax filings and payments due between March 15, 2020, through June 15, 2020. For more information please visit the Franchise Tax Board website.
3. FEDERAL EXTENSION FILING PERSONAL AND BUSINESS TAXES
Taxpayers can defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest, regardless of the amount owed. This deferment applies to all taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax. Taxpayers do not need to file any additional forms or call the IRS to qualify for this automatic federal tax filing and payment relief. For more information please visit the IRS website.
Mortgage and Rent
90 DAY GRACE PERIOD FOR MORTGAGE PAYMENTS
Governor Newsom has announced a grace period for mortgage payments. Financial institutions will offer, consistent with applicable guidelines, mortgage payment forbearances of up to 90 days to borrowers economically impacted by COVID-19. For more information, please visit this link.
EVICTION MORATORIUM – VENTURA COUNTY
On June 30, Governor Newsom issued Executive Order N-71-20 implementing a statewide moratorium on evictions through September 30. If you are currently renting and unable to pay rent due to financial hardship and the impact of COVID-19, we encourage you to inform your landlord by completing a Notice of Coronavirus-Related Inability to Pay Rent in order to preserve your rights as a tenant. For more information on Covid-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website.
EVICTION MORATORIUM – SANTA BARBARA COUNTY
The Santa Barbara County Temporary Eviction Moratorium Ordinance (TEMO) allows a tenant to delay paying all or part of their rent by sending a written notice to their property owner or agent within 20 days after the rent due date.
For more information on the specific requirements of the TEMO ordinance please go to the City Attorney’s Rental Housing Information website located at: https://www.santabarbaraca.gov/gov/depts/attorney/rental_housing_information.asp.
If you have further questions or would like to report a violation of the TEMO ordinance (English or Spanish) please send an email to TEMO@santabarbaraca.gov or call (805) 564-5330.
Federal, State & Local Programs
1. Paycheck protection program (ppp)
This SBA loan program may be accessed through any bank that currently issues SBA 7a guarantee loans. Check with your local bank to see if they are an approved lender. The new loan program will be available retroactive from Feb. 15, 2020, so employers can rehire their recently laid-off employees through August 8, 2020. NOTE: For more information please visit the SBA website. For frequently asked questions please visit the U.S. Department of Treasury. For the Paycheck Protection Loan Forgiveness Application click here.
KEY FEATURES OF PPP:
- Eligible businesses: All small businesses, including non-profits, Veterans organizations, Tribal concerns, sole proprietorships, self-employed individuals, and independent contractors, with 500 or fewer employees, or no greater than the number of employees set by the SBA as the size standard for certain industries
- Maximum loan amount up to $10 million. For more information on how to calculate your maximum loan amount please visit this link.
- Loan will be fully forgiven if proceeds are used for payroll costs and other designated business operating expenses in the 24 weeks following the date of loan origination
- All loans under this program will have the following identical features:
- Interest rate of 1%
- Maturity up to 5 years
- First payment deferred for six months
- 100% guarantee by SBA
- No collateral
- No personal guarantees
- No borrower or lender fees payable to SBA
2. SBA ECONOMIC INJURY DISASTER LOANS (EIDL)
The U.S. Small Business Administration offers low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Under the CARES act, the existing loan has been expanded. Key features include:
- Up to $2,000,000, up to 30 year terms, 2.75% for nonprofits, 3.75% for all other businesses, including independent contractors, self-employed.
- No restrictions on types of non-profit firms eligible (though final guidance pending).
- Waives personal guarantees and requirement for at least one year in business for applications for less than $200,000
- Includes provision for an up to $10,000 grant for successful applicants.
Applicants may apply online. Applicants may also call (800) 659-2955 or email disastercustomerservice@sba.gov. Individuals who are deaf or hard-of-hearing may call (800) 877-8339. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.
3. EIDL/PPP Comparison
For a side by side comparison of the Economic Injury Disaster Loan (EIDL) and Paycheck Protection Program (PPP) click below to learn more.
EDC EIDL AND PPP OVERVIEW – ENGLISH
EDC EIDL AND PPP OVERVIEW – SPANISH
4. EDD Workshare PROGRAM
This EDD program allows employers to seek an alternative to layoffs – retaining their trained employees by reducing their hours and wages that can be partially offset with UI benefits. Visit the Work Sharing Program to learn more about its benefits for employers and employees, and how to apply. NOTE: Sole proprietors are not eligible to participate in EDD’s workshare program.
5. UNEMPLOYMENT – PANDEMIC UNEMPLOYMENT ASSISTANCE (PUA)
Unemployment benefits are available for Self Employed Individuals. If you have lost hours or wages due to the impact of COVID-19, we encourage you to file for Pandemic Unemployment Assistance (PUA), which has now been extended to all self-employed individuals. If you have laid off employees or reduced their wages due to the impact of COVID-19, encourage them to apply for unemployment.
The CARES Act increases the premium over the usual rates of unemployment insurance and extends the length of unemployment benefit terms. The Act provides an additional $600 increase over an applicant’s approved weekly benefit through July 31, 2020. Additionally, unemployment benefits have been extended for a period of 39 weeks.
Apply for unemployment here.
For more information about turnaround times and payments click here.
6. Families First Coronavirus Response Act (FFCRA or Act)
The Families First Coronavirus Response Act (FFCRA or Act) requires certain employers to provide their employees with paid sick leave or expanded family and medical leave for reasons related to COVID-19 beginning April 1, 2020 through December 31, 2020. For more information visit the Department of Labor’s website. More questions? Visit the Department of Labor’s Q&A page.
7. WOMEN’S ECONOMIC VENTURES (WEV) QUICK RESPONSE LOAN
WEV’S Loan Fund is designed to provide financial support to businesses experiencing economic hardship due to Covid19, assist business start ups and business expansion. Visit WEV’s website for more information.
8. Give an Hour
Give an Hour offers NO COST counseling, mental health and emotional well-being services.
Visit https://giveanhour.org/get-help/ or email info@giveanhour.org.
Give an Hour does not provide emergency services. For immediate help: Call the National Suicide Prevention Lifeline at 1-800-273-8255, Veterans press 1. OR text SIGNS to 741741 for the Crisis Text Line. Both services are free and available 24/7. Additional Mental Health Resources.
Tax Filing Extensions
PAYROLL TAX FILING EXTENSION
Current provision allows employers statewide directly affected by COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit payroll taxes without penalty or interest. For more information please visit EDD website. NOTE: The CARES act allows businesses to delay the payment of 2020 payroll taxes until 2021 and 2022. More information to follow.
STATE EXTENSION FILING PERSONAL AND BUSINESS TAXES
The Franchise Tax Board announced special tax relief for California taxpayers affected by the COVID-19 pandemic. Affected taxpayers are granted an extension to file 2019 California tax returns and make certain payments to June 15, 2020, for all tax filings and payments due between March 15, 2020, through June 15, 2020. For more information please visit the Franchise Tax Board website.
FEDERAL EXTENSION FILING PERSONAL AND BUSINESS TAXES
Taxpayers can defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest, regardless of the amount owed. This deferment applies to all taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax. Taxpayers do not need to file any additional forms or call the IRS to qualify for this automatic federal tax filing and payment relief. For more information please visit the IRS website.
Mortgage and Rent
90 DAY GRACE PERIOD FOR MORTGAGE PAYMENTS
Governor Newsom has announced a grace period for mortgage payments. Financial institutions will offer, consistent with applicable guidelines, mortgage payment forbearances of up to 90 days to borrowers economically impacted by COVID-19. For more information, please visit this link.
EVICTION MORATORIUM – VENTURA COUNTY
On June 30, Governor Newsom issued Executive Order N-71-20 implementing a statewide moratorium on evictions through September 30. If you are currently renting and unable to pay rent due to financial hardship and the impact of COVID-19, we encourage you to inform your landlord by completing a Notice of Coronavirus-Related Inability to Pay Rent in order to preserve your rights as a tenant. For more information on Covid-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website.
EVICTION MORATORIUM – SANTA BARBARA COUNTY
The Santa Barbara County Temporary Eviction Moratorium Ordinance (TEMO) allows a tenant to delay paying all or part of their rent by sending a written notice to their property owner or agent within 20 days after the rent due date.
For more information on the specific requirements of the TEMO ordinance please go to the City Attorney’s Rental Housing Information website located at: https://www.santabarbaraca.gov/gov/depts/attorney/rental_housing_information.asp.
If you have further questions or would like to report a violation of the TEMO ordinance (English or Spanish) please send an email to TEMO@santabarbaraca.gov or call (805) 564-5330.
Federal, State & Local Programs
1. Paycheck protection program (ppp)
This SBA loan program may be accessed through any bank that currently issues SBA 7a guarantee loans. Check with your local bank to see if they are an approved lender. The new loan program will be available retroactive from Feb. 15, 2020, so employers can rehire their recently laid-off employees through August 8, 2020. NOTE: For more information please visit the SBA website. For frequently asked questions please visit the U.S. Department of Treasury. For the Paycheck Protection Loan Forgiveness Application click here.
KEY FEATURES OF PPP:
- Eligible organizations: Businesses, nonprofits (currently 501c3 and 501c19), Veterans organizations, Tribal concerns, sole proprietorships, self-employed individuals, and independent contractors, with 500 or fewer employees, or no greater than the number of employees set by the SBA as the size standard for certain industries
- Maximum loan amount up to $10 million. For more information on how to calculate your maximum loan amount please visit this link.
- Loan will be fully forgiven if proceeds are used for payroll costs and other designated business operating expenses in the 24 weeks following the date of loan origination
- All loans under this program will have the following identical features:
- Interest rate of 1%
- Maturity up to 5 years
- First payment deferred for six months
- 100% guarantee by SBA
- No collateral
- No personal guarantees
- No borrower or lender fees payable to SBA
2. SBA ECONOMIC INJURY DISASTER LOANS (EIDL)
The U.S. Small Business Administration offers low-interest federal disaster loans for working capital to small businesses and nonprofits suffering substantial economic injury as a result of the Coronavirus (COVID-19). Under the CARES act, the existing loan has been expanded. Key features include:
- Up to $2,000,000, up to 30 year terms, 2.75% for nonprofits, 3.75% for all other businesses, including independent contractors, self-employed.
- No restrictions on types of nonprofit firms eligible (though final guidance pending).
- Waives personal guarantees and requirement for at least one year in business for applications for less than $200,000
- Includes provision for an up to $10,000 grant for successful applicants.
Applicants may apply online. Applicants may also call (800) 659-2955 or email disastercustomerservice@sba.gov. Individuals who are deaf or hard-of-hearing may call (800) 877-8339. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.
3. EIDL/PPP Comparison
For a side by side comparison of the Economic Injury Disaster Loan (EIDL) and Paycheck Protection Program (PPP) click below to learn more.
EDC EIDL AND PPP OVERVIEW – ENGLISH
EDC EIDL AND PPP OVERVIEW – SPANISH
4. UNEMPLOYMENT – PANDEMIC UNEMPLOYMENT ASSISTANCE (PUA)
Unemployment benefits are available for nonprofits and their employees. If you have lost hours or wages due to the impact of COVID-19, we encourage you to file for Pandemic Unemployment Assistance (PUA), which has now been extended to all self-employed individuals. If you have laid off employees or reduced their wages due to the impact of COVID-19, encourage them to apply for unemployment.
The CARES Act increases the premium over the usual rates of unemployment insurance and extends the length of unemployment benefit terms. The Act provides an additional $600 increase over an applicant’s approved weekly benefit through July 31, 2020. Additionally, unemployment benefits have been extended for a period of 39 weeks.
Apply for unemployment here.
For more information about turnaround times and payments click here.
5. Families First Coronavirus Response Act (FFCRA or Act)
The Families First Coronavirus Response Act (FFCRA or Act) requires certain employers to provide their employees with paid sick leave or expanded family and medical leave for reasons related to COVID-19 beginning April 1, 2020 through December 31, 2020. For more information visit the Department of Labor’s website. More questions? Visit the Department of Labor’s Q&A page.
6. WOMEN’S ECONOMIC VENTURES (WEV) QUICK RESPONSE LOAN
At this time, WEV’S Quick Response Loan is not available for nonprofits.
Visit WEV’s website for more information.
7. Ventura County Rapid Response Fund
The VCCF Ventura County Rapid Response Fund supports nonprofit organizations addressing the needs of individuals and families with food and housing support, childcare, wage replacement, mental health care, and more.
Visit https://vccf.org/ for more information and to apply.
8. Give an Hour
Give an Hour offers NO COST counseling, mental health and emotional well-being services.
Visit https://giveanhour.org/get-help/ or email info@giveanhour.org.
Give an Hour does not provide emergency services. For immediate help: Call the National Suicide Prevention Lifeline at 1-800-273-8255, Veterans press 1. OR text SIGNS to 741741 for the Crisis Text Line. Both services are free and available 24/7. Additional Mental Health Resources.
Tax Filing Extensions
PAYROLL TAX FILING EXTENSION
Current provision allows employers statewide directly affected by COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit payroll taxes without penalty or interest. For more information please visit EDD website. NOTE: The CARES act allows businesses to delay the payment of 2020 payroll taxes until 2021 and 2022. More information to follow.
STATE EXTENSION FILING PERSONAL AND BUSINESS TAXES
The Franchise Tax Board announced special tax relief for California taxpayers affected by the COVID-19 pandemic. Affected taxpayers are granted an extension to file 2019 California tax returns and make certain payments to June 15, 2020, for all tax filings and payments due between March 15, 2020, through June 15, 2020. For more information please visit the Franchise Tax Board website.
FEDERAL EXTENSION FILING PERSONAL AND 990s
Taxpayers can defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest, regardless of the amount owed. This deferment applies to all taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax. Taxpayers do not need to file any additional forms or call the IRS to qualify for this automatic federal tax filing and payment relief. For more information please visit the IRS website.
990 filings have been extended. Visit the IRS website for extended due dates. You will need to know when your organization’s tax year ends.
Mortgage and Rent
90 DAY GRACE PERIOD FOR MORTGAGE PAYMENTS
Governor Newsom has announced a grace period for mortgage payments. Financial institutions will offer, consistent with applicable guidelines, mortgage payment forbearances of up to 90 days to borrowers economically impacted by COVID-19. For more information, please visit this link.
EVICTION MORATORIUM – VENTURA COUNTY
On June 30, Governor Newsom issued Executive Order N-71-20 implementing a statewide moratorium on evictions through September 30. If you are currently renting and unable to pay rent due to financial hardship and the impact of COVID-19, we encourage you to inform your landlord by completing a Notice of Coronavirus-Related Inability to Pay Rent in order to preserve your rights as a tenant. For more information on Covid-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website.
EVICTION MORATORIUM – SANTA BARBARA COUNTY
The Santa Barbara County Temporary Eviction Moratorium Ordinance (TEMO) allows a tenant to delay paying all or part of their rent by sending a written notice to their property owner or agent within 20 days after the rent due date.
For more information on the specific requirements of the TEMO ordinance please go to the City Attorney’s Rental Housing Information website located at: https://www.santabarbaraca.gov/gov/depts/attorney/rental_housing_information.asp.
If you have further questions or would like to report a violation of the TEMO ordinance (English or Spanish) please send an email to TEMO@santabarbaraca.gov or call (805) 564-5330.
Federal, State & Local Programs
1. UNEMPLOYMENT
If you have lost hours or wages due to the impact of COVID-19, we encourage you to file for unemployment.
The CARES Act increases the premium over the usual rates of unemployment insurance and extends the length of unemployment benefit terms. The Act provides an additional $600 increase over an applicant’s approved weekly benefit through July 31, 2020. Additionally, unemployment benefits have been extended for a period of 39 weeks.
Apply for unemployment here.
For more information about turnaround times and payments click here.
2. Families First Coronavirus Response Act (FFCRA or Act)
The Families First Coronavirus Response Act (FFCRA or Act) requires certain employers to provide their employees with paid sick leave or expanded family and medical leave for reasons related to COVID-19 beginning April 1, 2020 through December 31, 2020. For more information visit the Department of Labor’s website. More questions? Visit the Department of Labor’s Q&A page.
3. Give an Hour
Give an Hour offers NO COST counseling, mental health and emotional well-being services.
Visit https://giveanhour.org/get-help/ or email info@giveanhour.org.
Give an Hour does not provide emergency services. For immediate help: Call the National Suicide Prevention Lifeline at 1-800-273-8255, Veterans press 1. OR text SIGNS to 741741 for the Crisis Text Line. Both services are free and available 24/7. Additional Mental Health Resources.
Tax Filing Extensions
STATE EXTENSION FILING PERSONAL AND BUSINESS TAXES
The Franchise Tax Board announced special tax relief for California taxpayers affected by the COVID-19 pandemic. Affected taxpayers are granted an extension to file 2019 California tax returns and make certain payments to June 15, 2020, for all tax filings and payments due between March 15, 2020, through June 15, 2020. For more information please visit the Franchise Tax Board website.
FEDERAL EXTENSION FILING PERSONAL TAXES
Taxpayers can defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest, regardless of the amount owed. This deferment applies to all taxpayers, including individuals, trusts and estates, corporations and other non-corporate tax filers as well as those who pay self-employment tax. Taxpayers do not need to file any additional forms or call the IRS to qualify for this automatic federal tax filing and payment relief. For more information please visit the IRS website.
Mortgage and Rent
90 DAY GRACE PERIOD FOR MORTGAGE PAYMENTS
Governor Newsom has announced a grace period for mortgage payments. Financial institutions will offer, consistent with applicable guidelines, mortgage payment forbearances of up to 90 days to borrowers economically impacted by COVID-19. For more information, please visit this link.
EVICTION MORATORIUM – VENTURA COUNTY
On June 30, Governor Newsom issued Executive Order N-71-20 implementing a statewide moratorium on evictions through September 30. If you are currently renting and unable to pay rent due to financial hardship and the impact of COVID-19, we encourage you to inform your landlord by completing a Notice of Coronavirus-Related Inability to Pay Rent in order to preserve your rights as a tenant. For more information on Covid-19 moratorium related eviction guidelines in Ventura and Santa Barbara County please visit this website.
EVICTION MORATORIUM – SANTA BARBARA COUNTY
The Santa Barbara County Temporary Eviction Moratorium Ordinance (TEMO) allows a tenant to delay paying all or part of their rent by sending a written notice to their property owner or agent within 20 days after the rent due date.
For more information on the specific requirements of the TEMO ordinance please go to the City Attorney’s Rental Housing Information website located at: https://www.santabarbaraca.gov/gov/depts/attorney/rental_housing_information.asp.
If you have further questions or would like to report a violation of the TEMO ordinance (English or Spanish) please send an email to TEMO@santabarbaraca.gov or call (805) 564-5330.
Reopening
On May 8th, the Governor’s office began phase 2 of the reopening strategy for the State of California. Second of four phases to reopen California’s economy, this phase focuses on key industries that can open safely by providing clean and safe environments for employees and customers. For a full list of reopening phases, industry guidance and safety protocols please visit the following Phase 2 of the California Official Roadmap.
Ventura County has moved into the expanded Phase 2 of California’s reopening plan which includes lower risk workplaces. Businesses that have been identified as eligible to reopen, must meet county and state health and safety compliance protocols. NOTE: All retail has been approved for in store shopping and all restaurants have been approved for dine in service. At this time, we encourage all retail and restaurants that are interested in moving towards in store shopping and dine in service to read the safety protocols and compliance measures necessary to do so and follow the steps below. Additionally, hair salons, barbershops and places of worship or permitted to open. Steps to reopen are posted below. For more information, please visit VC Reopens.
Steps to Reopen:
- Review industry-specific guidance published by the State of California.
- Complete a written worksite-specific COVID-19 Prevention Plan, which helps assess and mitigate your level of risk. You must complete a separate plan for each business location. Then post your Worksite Prevention Plan at each business location and designate an on-duty employee responsible for monitoring compliance with your plan. Visit VC Reopens for industry-specific worksite plan templates.
- Complete a Business Attestation Form by clicking here.
- If you are a business that has opened during Stage 1 and you have not yet completed a Business Attestation Form you must do so by clicking here.
- Post a COVID-19 hotline flyer form at your business so that it is visible to customers and employees. You can find the flyer here.
For more information visit VC Reopens or if you have questions, concerns or comments about business compliance, please call 1.844. VC-OPENS. (1.844. 826.7367) or email covidcompliance@ventura.org.
The County of Santa Barbara received approval from the California Public Health Department to move forward with a Stage 2 of reopening businesses.
What businesses can reopen?
The types of businesses now allowed to reopen in the latter phase of Stage 2 include dine-in restaurants (with modifications), schools and child care, retail stores, shopping malls, some offices, campgrounds, and RV parks.
Higher risk businesses, such as hair and nail salons, gyms, churches, and hotels for non-essential stays, are not allowed to open until the Governor declares that eligible counties can move into Stage 3.
What do I need to complete to reopen my business?
Before the businesses can reopen in Santa Barbara County, they are required to review state and local guidance, complete a COVID-19 Prevention Plan*, and self-certify that they can open safely; all of which can be found at recoverysbc.org/reopen-your-business/.
Upon completion of the self-certification, businesses receive a certificate to print and display attesting to a safe and clean environment for workers and customers. The County will be requiring ALL businesses, whether you’ve been open or are just now allowed to open, to complete the self-certification program:
– Complete your industry specific checklist
– Complete the attestation by completing this form
Post the industry specific checklist and the attestation at your business to show your customers and employees you have reduced the risk and are open for business.
* Prevention Plan templates are available for all industries.
– Prevention Plan Template for Dine-In Restaurants
– Prevention Plan Template for Retail
– Prevention Plan Templates for Other Industries
What guidance should I follow to operate my business?
Businesses now permitted to reopenmust adhere to social distancing guidelines provided by the Governor and the Santa Barbara County Health Officer include. For the County’s guidelines on how to reopen, please refer to the RISE Guide. The State has provided Guidance for Dine-In Restaurants, Checklist for Dine-In Restaurants, and Guidance for Retail that can be useful in the planning process. These documents help businesses understand how to adapt procedures and practices for this next stage of reopening.
For general questions about Stage 2 reopening and general COVID-19 information, residents may call the Santa Barbara County Call Center at (833) 688-5551.
How can I expand my restaurant seating to outdoor areas?
The Santa Barbara City Council directed a flexible citywide approach for outdoor dining on sidewalks, streets, on-street parking, and private parking lots. Starting on May 22, 2020 at 4 p.m., State Street will be closed from Haley Street to Sola Street and restaurants can begin preparations for outdoor dining areas. The City is quickly preparing information to provide guidelines for establishing outdoor dining. The City will provide technical assistance on alcoholic beverage regulation issues, including completion of ABC forms, and related matters. More information will follow regarding these items. To propose an outdoor dining area adjacent to your business, send an email to OutdoorDining@SantaBarbaraCA.gov.
Public Health
EDC encourages all individuals to review local, state and federal guidelines to remain in compliance with health and safety protocols during this time.
The Ventura County Public Health Department has issued public health and safety orders to mitigate the spread of COVID-19. Please visit vcemergency.com to view all current safety orders.
For general questions about COVID-19 visit www.vcemergency.com or join the County of Ventura on Facebook. You may also call 2-1-1. If you have questions about your symptoms or possible exposure to the virus, your primary care provider is the best person to help you. Please call your primary care clinic, unless you are experiencing life-threatening symptoms such as difficulty breathing.
Business questions? Call Covid Business Compliance (805)-202-1805 or email covidcompliance@ventura.org.
For more information, visit: http://www.vchca.org/health-information/covid19
Santa Barbara Public Health Department has issued public health and safety orders to mitigate the spread of COVID-19. Please visit publichealthsb.org to view all current safety orders.
Partners in Recovery
As partners in business assistance, EDC recommends the following organizations dedicated to support businesses in recovery.
The Governor’s Office of Business and Economic Development (GO-Biz) serves as the State of California’s leader for job growth, economic development and business assistance efforts. They offer no cost consultation for incentive identification, site selection, regulatory or permitting compliance assistance, foreign direct investment and export assistance. For more information please visit business.ca.gov.
WEV helps start and grow businesses through training, loans and consulting. For more information please visit wevonline.org.
For over 50 years, SCORE has served as America’s premier source of free business mentoring and education. As a resource partner of the U.S. Small Business Administration (SBA), SCORE has helped more than 11 million entrepreneurs through mentoring, workshops and educational resources since 1964. For more information please visit score.org.
