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PAGE LAST UPDATED: February 19, 2021

Financial Assistance & Resources for Businesses

FedEx Small Business Grant Contest

Grant Awards Range from $15,000 to $50,000 

  • Apply by March 9
  • Visit FedEx.com to get started

State Lifts Regional Stay-at-Home Order January 25

Santa Clara County Returns to Purple Tier Allowing Certain Business Operations to Resume January 25

On January 25, the State of California announced lifted the Regional Stay-at-Home Order for the Bay Area Region that includes Santa Clara County. This change returns Santa Clara County to the Purple Tier of the State’s Blueprint for a Safer Economy. The County of Santa Clara Public Health Department released a statement explaining how this change effects business operations, gatherings, and more. A summary of changes is listed below. Read the County Public Health Department’s statement here for details.

  • Outdoor dining may resume, subject to the Mandatory Directive for Dining. Indoor dining remains prohibited. Bars, breweries, distilleries, and pubs may serve alcohol only outdoors and only in the same transaction as a meal.
  • Personal care services may resume indoors and outdoors, subject to the Mandatory Directive for Personal Care Services.
  • Most businesses that are allowed to open indoor operations to the public must limit capacity of their publicly accessible space to 20%. The County’s Mandatory Directive on Capacity Limitations has been updated to reflect current openings and closings. 
  • The County’s Mandatory Directive on Travel, which requires most people who travel into the county from more than 150 miles away to quarantine for 10 days upon their arrival, is still in effect.
  • The County’s Mandatory Directive for Lodging Facilities is still in effect. Lodging facilities may not provide lodging services for non-essential purposes, such as tourism, recreational, or leisure purposes. Non-essential travel should be avoided, especially in light of new variants of COVID-19 that are circulating globally and in the United States.

View the County's Businesses and Workplaces webpage for Mandatory Directives and guidance on business operations. 

Telework

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

Social Distancing Protocol

Social distancing protocols submitted by businesses before October 11, 2020 are no longer valid. Businesses can submit revised social distancing protocols to the County Public Health Department at COVID19Prepared.org.  

Capacity Limitations

The County’s Mandatory Directive on Capacity Limitations has been updated to reflect current openings and closings. Most businesses that are allowed to open indoor operations to the public must limit capacity of their publicly accessible space to 20%.To help businesses determine their capacity limits, the County Public Health Department has provided a tool to help calculate maximum capacity.

Outdoor Gatherings

Outdoor gatherings with up to three households are now allowed for any purpose. Larger outdoor gatherings with up to 200 people are allowed only for political, religious, or ceremonial purposes, or as otherwise specifically allowed by the State. Indoor gatherings of any kind remain prohibited. All allowed gatherings must comply with the County’s updated Mandatory Directive for Gatherings.

Positive Case Reporting 

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

Indoor Breakroom Closure

All businesses (except acute care hospitals) must limit employees’ access to indoor workplace breakrooms as described in section 3 of the Mandatory Directive on Capacity Limitations.

Questions

For any inquires related to your business or workplace operating under the current COVID-19 regulations in Santa Clara County:

OR 

  • Call the County COVID-19 Business Call Center at (408) 961-5500, Monday - Friday, 8am-5pm.

Resources

  1. Loans
  2. Grants
  3. Federal Resources
  4. State Resources
  5. Local Resources
  6. Online Events

California Rebuilding Fund

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

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

SBA Loans

New Pay Check Protection Program Loans Now Available

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

Eligible new barrowers can apply for a First Draw PPP Loan, while eligible barrowers who previously received a PPP loan can apply for a Second Draw PPP Loan. The application deadline for either loan is March 31, 2021.

The new PPP Loan funding totaling $284 billion is made possible by the Economic Aid to Hard-Hit Small Businesses, Non-Profits, and Venues Act, which is included in the Consolidated Appropriations Act passed by Congress and signed by the president on December 27, 2020.

Key PPP Updates Include:

  • PPP borrowers can set their PPP loan’s covered period to be any length between 8 and 24 weeks to best meet their business needs
  • PPP loans will cover additional expenses, including operations expenditures, property damage costs, supplier costs, and worker protection expenditures
  • The Program’s eligibility is expanded to include 501(c)(6)s, housing cooperatives, destination marketing organizations, among other types of organizations
  • The PPP provides greater flexibility for seasonal employees
  • Certain existing PPP borrowers can request to modify their First Draw PPP Loan amount
  • Certain existing PPP borrowers are now eligible to apply for a Second Draw PPP Loan

Resources

New Barrowers for First Draw PPP Loan Details

Existing Barrowers for Second Draw PPP Loan Details

Find a lender with the SBA’s Lender Match Tool

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

A New America Women’s Business Center

Minority Business Development Agency

Silicon Valley Small Business Development Center

SCORE

Economic Injury Disaster Loan Application Period Extended to December 31, 2021

The U.S. Small Business Administration (SBA) announced that the deadline to apply for a COVID-19 pandemic Economic Injury Disaster Loan has been extended to December 31, 2021 pending availability of funds. Loans are offered at terms, including a 3.75% interest rate for small businesses and 2.75% for non-profit organizations, a 30-year maturity, and an automatic deferment of one year before monthly payments begin. All eligible small businesses and nonprofits are encouraged to apply. Learn more and apply for an Economic Injury Disaster Loan at SBA.gov.

Paycheck Protection Program Loan Forgiveness Application

The Small Business Administration stopped accepting Paycheck Protection Program applications August 8, 2020. Visit SBA.Gov for other available funding options.

COVID-19 Recovery Information in Other Languages

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

Other Small Business Relief Options Provided by the SBA

Debt Relief

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

Express Bridge Loan

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

Contact Information

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

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

Phone: 408-385-9800

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

Alternatives to SBA Loans

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

Coronavirus Aid, Relief and Economic Security Act (CARES)

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

Silicon Valley Community Foundation Small Business Relief Fund 

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

Opportunity Fund

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

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

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

Applicability

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

Obligation to Follow Stricter Order

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

Obligation to Follow Health Officer Directives and Mandatory State Guidance

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

Staying Home is the Best Way to Reduce Risk 

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

Older Adults and Individuals with Serious Underlying Medical Conditions

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

Telework

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

Positive Case Reporting

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

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

Flexible Business Operation Guidelines for All Permitted Businesses

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

Operations on Public Sidewalks - Downtown Campbell

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

How to Apply

Contact the Planning Division to get started.

Email: planning@campbellca.gov 

Phone: 408-866-2140

Operations on Private Property - Downtown Campbell

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

Flexible Business Operation Guidelines - Private Property Beyond Downtown Campbell

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


Contact

Michael Thomas, Economic Development Specialist

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