Covid-19 Resources

U.S. Chamber of Commerce

• Coronavirus Resources page
• Coronavirus Emergency Loan Small Business Guide and Checklist (PDF)
• Employer's Guide to the Employee Retention Tax Credit for COVID-19 Impacted Employees (PDF)

Hello Alice's Business for All Grant provides $10,000 grants to small businesses impacted by the coronavirus pandemic. For more information, click here. To apply, click here.

GoFundMe's Small Business Relief Fund will provide $500 matching grants to small businesses negatively impacted by the coronavirus pandemic who are able to raise $500 on GoFundMe from other donors. (In other words, small businesses that raise $500 will receive the additional $500 matching grant, thereby receiving $1,000 in total.) For more information, click here.

Grants for Women-Owned Businesses

The IFundWomen COVID-19 Relief Fund provides microgrants to women-owned businesses impacted by the coronavirus pandemic. Applicants must launch a crowdfunding campaign on IFundWomen and then will be considered for an additional microgrant from IFundWomen. For more information, click here.

The Doonie Fund by digitalundivided provides $500 microgrants to Black women entrepreneurs impacted by the coronavirus pandemic. For more information, click here. To apply, click here.

Main Street Lending Program

The Federal Reserve's Main Street Lending Program will soon provide new loans between $500,000 and $25 million (or increase existing loans up to $200 million), with interest rates of LIBOR plus three percent. Loan payments are deferred for one year, and loan terms are for four years. Businesses with fewer than 15,000 employees or less than $5 billion in annual revenue are eligible. For more information about the Main Street Lending Program, click here. Once the program is launched, applications will be made through banks and credit unions.

Economic Injury Disaster Loan (EIDL)

Additional funding for EIDL was approved by the Senate on Tuesday, April 21, by the House on Thursday, April 23, and by the President on Friday, April 24. On Sunday, April 26, the SBA announced, "We will provide further information on the availability of the EIDL portal to receive new applications (including those from agricultural enterprises) as soon as possible." On Monday, May 4, the SBA announced, "At this time, only agricultural business applications will be accepted due to limitations in funding availability and the unprecedented submission of applications already received."

The SBA Economic Injury Disaster Loan (EIDL) is for working capital up to $2 million, with interest rates of 3.75% (businesses) and 2.75% (non-profits) and loan terms up to thirty years. Applicants receive an advance grant of up to $10,000. For more information about the EIDL advance, click here.

Paycheck Protection Program (PPP) Loan

Additional funding for PPP was approved by the Senate on Tuesday, April 21, by the House on Thursday, April 23, and by the President on Friday, April 24.

Designed to cover eight weeks of a small business's expenses, the Paycheck Protection Program (PPP) is a loan equal to 2.5 times average payroll or $10 million, whichever is less, with interest rates of 1% and a loan term of two years. If a small business has already laid off employees after February 15, PPP money may be used to rehire those employees. Portions of the PPP may be forgiven (up to the entire amount), provided that at least 75% of the forgiven amount is for eight weeks of payroll costs and up to 25% of the forgiven amount may be for eight weeks of rent, mortgage interest, and utilities. PPP money used for other expenses will remain a loan that must be repaid.

For more information about the PPP, click here. To apply for a PPP loan, contact your bank or credit union. Click here for a sample PPP application form from the U.S. Small Business Administration. If your bank or credit union is not participating in the PPP loan program, see the partial list of participating lenders below or click here for the SBA's search engine of participating banks and credit unions. Businesses should only apply with one lender for a PPP loan.

• • Farmers & Merchants Bank's Disaster Relief and SBA Loan Options page. To apply, click here.
  • Commercial Bank of California's COVID-19 Coronavirus Pandemic page. To apply, click here.
  • Sunwest Bank's PPP pageApplication information from banks and credit unions that are members of the Anaheim Chamber of Commerce
  • US Metro Bank (call Ty Parker at 714-823-4263). For more information
  • Bank of America. For more information, see their:
    • Private Bank's CARES Act page
    • General Bank's Small Business Resources page
• Application information from various large banks
  • Citi's PPP page
  • U.S. Bank's PPP page. To apply, click here.
  • Capital One's PPP page
  • TD Bank's COVID-19 Customer Assistance page. To apply, click here.
  • Chase has stopped accepting applications. For more information, see their PPP page
  • Wells Fargo has stopped accepting applications. For more information, see their PPP page
  • Union Bank has stopped accepting applications. For more information, PPP page
• Application information from SBA-authorized non-bank lenders
  • PayPal's PPP application

The California Small Business Disaster Relief/Assistance Loan Guarantee Program provides loans up to $50,000 for small businesses up to 750 employees that did not qualify for SBA loans. Loans are for up to seven years and may be used for business continuance or to cure economic injury due to the coronavirus pandemic. Application information is available from the State of California's IBank and the SBDC of Orange County:

• California Infrastructure and Economic Development Bank (IBank) – Small Business Finance Center
• Small Business Development Corporation of Orange County (SBDC-OC) – Disaster Assistance Loan Guarantee Program

The California Capital Access Program (CalCAP) insures loans up to $2.5 million enrolled over a 3-year period for small businesses with fewer than 500 full-time employees. CalCAP applications are submitted to participating lenders. Click here for more information about CalCAP from the California State Treasurer.

• Anaheim Chamber of Commerce member Sunwest Bank is a participating lender in CalCAP
• Click here for a complete list of participating CalCAP lenders from the California State Treasurer's office

Social Security Tax Deferral: Businesses may defer the employer's share of Social Security taxes for March 27-December 31, 2020, with half due by December 31, 2021 and the remainder due by December 31, 2022. However, if an employer receives PPP loan forgiveness (see Federal Loan Programs above for more information about PPP loans), then those deferrals will be cancelled and taxes due immediately. For more information, click here.

Income Tax Return Extension and Payment Deferral: All federal income taxpayers have an automatic extension to file returns or make payments that were originally due April 15; these are now due July 15. For more information, click here.

Sales Tax Deferral: The California Small Business Relief Payment Plan allows small businesses with less than $5 million in taxable sales may apply to defer $50,000 of sales taxes for twelve months. To apply for the Small Business Relief Payment Plan, click here.

State Tax Return Extension and Payment Deferral: All small business taxpayers with less than $1 million tax liability have an automatic three-month extension to file returns or make payments on various taxes/fees due between March 16-May 11. For a complete list of applicable taxes/fees with their new due dates, click here. Businesses with more than $1 million tax liability may apply for an extension (to be evaluated on a case-by-case basis), click here.

Employee Retention Credit

The Employee Retention Credit allows employers to take a tax credit of 50% of an employee's qualifying wages up to $10,000 paid between March 13-December 31, 2020 if the employer has not received a federal Paycheck Protection Program (PPP) loan. In order to be eligible for the credit, the employer's business must be fully or partially suspended by government order due to COVID-19 during the calendar quarter or the employer's gross receipts are below 50% of the comparable quarter in 2019.

Employers may take the Employee Retention Credit immediately by reducing their required deposits for payroll taxes that were withheld from employees' wages by the amount of the credit and subsequently reporting it on their tax returns. Employers may request an advance from the IRS if the employer's credit will exceed the amount of payroll taxes that would have been deposited. For more information, click here.

Paid Sick Leave Credit

The Paid Sick Leave Credit allows small businesses with fewer than 500 employees to take a dollar-for-dollar offset of the cost for the regular pay for up to 80 hours for an employee who is unable to work because of coronavirus quarantine/self-quarantine or has coronavirus symptoms and is seeking a medical diagnosis, not exceeding $511 per day per employee. The paid sick leave credit also provides an offset of 2/3 of the cost for the regular pay for up to 80 hours for an employee who is unable to work in order to care for an individual subject to quarantine, to care for a child whose school is closed or whose child care provider is unavailable for reasons related to coronavirus, not exceeding $200 per day per employee.

Employers may take the Paid Sick Leave Credit immediately by reducing their required deposits for payroll taxes that were withheld from employees' wages by the amount of the credit and subsequently reporting it on their tax returns. Employers may request an accelerated credit payment from the IRS if the employer's credit will exceed the amount of payroll taxes that would have been deposited. For more information, click here.

Child Care Leave Credit

The Child Care Leave Credit allows small businesses with fewer than 500 employees to take offset 2/3 of the cost for the regular pay for up to 10 weeks for an employee who is unable to work in order to care for a child whose school/child care facility is closed or whose child care provider is unavailable for reasons related to coronavirus, not exceeding $200 per day per employee. Employers are also eligible to take an additional tax credit for the costs of providing health insurance coverage for that employee during the period they are on child care leave.

Employers may take the Child Care Leave Credit immediately by reducing their required deposits for payroll taxes that were withheld from employees' wages by the amount of the credit and subsequently reporting it on their tax returns. Employers may request an accelerated credit payment from the IRS if the employer's credit will exceed the amount of payroll taxes that would have been deposited. For more information, click here.

COVID-19 Penalty Cancellation: The County Treasurer-Tax Collector is permitting taxpayers to apply for cancellation of late penalties on property taxes that were not submittedby the April 10 due date. Taxpayers who could not meet the April 10 deadline due to COVID-19 have until June 30 to pay if they submit the cancellation request form with the property tax payment. Each penalty cancellation request will be considered on a case-by-case basis. For more information, click here. For the COVID-19 Penalty Cancellation Request Form, click here.

Rent Deferral: The Anaheim Eviction Protection Program allows both residential and commercial renters to defer rent payments through June 30 without late fees, penalties, or interest, provided the renter gives written notice to their landlord before the normal rent due date and includes verifiable documentation supporting the reason for non-payment of rent or reduced payment of rent. Rent payments would be due in four monthly installments within 120 days (i.e. no later than October 28), unless the tenant and landlord agree to different terms. For more information about the Anaheim Eviction Protection Program, click here. To obtain the form for written notice from a commercial renter, click here for the form. To obtain the form for written notice from a residential renter, click here for the form.

In addition to the resources above available for most businesses, this section includes information on resources specific to restaurants and breweries.

The information listed below applies to businesses permitted to reopen per California’s four-stage reopening plan. To review information pertinent to Anaheim businesses, please click here.

To obtain information from the Orange County Health Care Agency, including guidance for restaurants, bars and breweries, you can visit their website at www.OCFoodInfo.com.

For additional information on the easing of city rules to operate outdoors, display signs, and sell alcohol to-go, please read our Coronavirus Business Relief Fact Sheet.

Order No. 10 of the City Manager (an extension of order No. 6) provides temporary relief from the City’s Special Event Permit requirements and Outdoor Dining standards to allow restaurants and other businesses to temporarily create or expand outdoor dining operations, as well as conduct other business operations outdoors in order to provide for the safe re-opening of businesses in compliance with public health directives. This order will remain in full force and effect until Jan. 31, 2021 or until expressly repealed or superseded by an ordinance of the City Council or by further Order of the City Manager.

Restaurants, retail stores, offices, and personal-service type businesses permitted to reopen are allowed to conduct dining and retail services in outdoor areas on private property. No permit is required if there is no sale or consumption of alcoholic beverages in the outdoor area. Restaurants, bars (with sit down, dine-in meals), and breweries (with sit down, dine-in meals) who wish to provide for the consumption of alcoholic beverages in outdoor areas must apply for a permit.

The table below provides an overview of Order No. 10 of the City Manager. Any activities involving a tent need to be reviewed by Anaheim Fire & Rescue. For any questions regarding outdoor operations, business owners are encouraged to contact Planning Staff at Planning@anaheim.net.

Visualizing Outdoor Dining

Federal Paycheck Protection Program (PPP): Restaurants with over 500 employees in aggregate at multiple locations are eligible for PPP loans if each location has fewer than 500 employees. To be eligible, restaurants must be classified as Accommodation and Food Services (code beginning with 72) under the U.S. Census Bureau's North American Industry Classification System. For more information about the PPP, please see the Federal Loan Programs section above.

State Regulatory Relief for Alcohol Sales: The California Department of Alcoholic Beverage Control has temporarily suspended enforcement of various legal prohibitions on licensees. For more information, click here for the Guidance by License Type. For greater detail, see the First Notice of Regulatory Relief, the Second Notice of Regulatory Relief, the Third Notice of Regulatory Relief, the Fourth Notice of Regulatory Relief, and the Fifth Notice of Regulatory Relief.

State Alcohol License Renewal Extension: The California Department of Alcoholic Beverage Control (ABC) has authorized a 30-day extension on Annual License Renewal Fees and Late Renewal Penalty Fees. For more information, including deadlines, click here.

Purchase of Meals from Local Restaurants/Food Providers: The California Governor's Office of Emergency Services (Cal OES) has launched the Great Plates Delivered program in which the County will purchase meals from local restaurants and food providers. These meals will be delivered to individuals aged 65 and older, as well as high-risk individuals aged 60-64; these individuals must be unable to prepare or obtain meals and have income no more than six times the federal poverty limit. Participating restaurants and food providers cannot be currently participating in a standing state or federal meal service program. Funding for the program comes from Federal Emergency Management Agency (FEMA, 75%), State government (18.75%), and local government (6.25%). For more information, click here. To apply for the program as a restaurant or food provider, click here.

City Regulatory Relief for Alcohol Sales: Under the Anaheim Economic Recovery Plan, the City of Anaheim is authorizing restaurants to sell alcohol "to go" with food orders if the restaurant already has a license permitting on-site alcohol sales. For more information, click here and here.

Visit Anaheim/Anaheim Chamber/AOCHLA Restaurant Directory: Visit Anaheim, the Anaheim Chamber of Commerce, and the Anaheim/Orange County Hotel & Lodging Association are providing a guide for the community to support Anaheim restaurants. This Anaheim Restaurant Guide lists whether a restaurant is open for To-Go/Take-Out, Curbside Pick-Up, and/or Local Delivery. To view the guide, click here. To add your restaurant to the guide, click here to email Kathleen Enge.

Free Yelp Services/Products: Yelp is providing three months of free access to Yelp Reservations and Yelp Waitlist to small restaurants and bars. Yelp is providing free usage of Business Highlights, Call to Action, and Yelp Connect through May 25 for small restaurants and bars. For existing ad customers that offer delivery or take-out, Yelp is providing $100 worth of free advertising for Yelp Ads through May 25. For more information, click here.

National Restaurant Association's Coronavirus Information and Resources page

California Restaurant Association's Coronavirus Resources page

Brewers Association's Coronavirus Resource Center

In addition to the resources above available for most businesses, this section includes information on resources specific to manufacturers.

Chris Marocchi

Manager, Field Operations

California Manufacturing Technology Consulting® (CMTC)

690 Knox Street, Suite 200

Torrance, California 90502

Cell: (310) 809-6614

e-Fax: (310) 263-3062

www.cmtc.com

• CMTC's presenation on COVID-19 Resources for Anaheim Manufactuers

CMTC has developed a helpful webpage to help small and medium-sized manufacturers.

CMTC offers assistance with:

• Identifying critical manufacturing and supply chain
• Access to capital
• Workforce support
• Operational assistance
• Supply chain support

National Association of Manufacturers's COVID-19 Resources page

California Manufacturers & Technology Association's COVID-19 Response page

In addition to the resources above available for most businesses, this section includes information on resources specific to hotels and lodging.

Federal Paycheck Protection Program (PPP): Hotels and lodging with over 500 employees in aggregate at multiple locations are eligible for PPP loans if each location has fewer than 500 employees. To be eligible, the hotel/lodging must be classified as Accommodation and Food Services (code beginning with 72) under the U.S. Census Bureau's North American Industry Classification System. For more information about the PPP, please see the Federal Loan Programs section above.

City of Anaheim's Hotel Tax Payment Deferral: Hotels and lodging that are unable to make their Transient Occupancy Tax (TOT or "hotel-stay tax") payments to the City of Anaheim are now afforded a 90-day deferment on penalties, fines, and enforcement actions. To view the City's announcement, click here.

American Hotel & Lodging Association's COVID-19 Resource Center

California Hotel & Lodging Association's Coronavirus Information & Resources page

The County of Orange will make available $1,000 grants to 1,000 restaurants to purchase tents/canopies, lighting and heaters/warmers to assist with outdoor dining. https://www.oconestop.com/small-business-relief-programs