top of page
  • Writer's pictureRobert B. Dellenbach

COVID-19 SBA and State Loan Disaster Relief

Updated: Jun 26, 2020 about SBA and State Loan Disaster Relief

The following are links to information about the federal Small Business Administration (SBA) and California State Loan Disaster Relief There is a Survival Guide ( and a helpful FAQ that includes information on the following questions:

How can I apply for a SBA Economic Injury Disaster Loan?

How can I keep my employees safe?

How can I keep my food manufacturing business customers safe?

How can I keep my public office, retail, and food service business safe?

When should I send an employee home?

When should I close?

What if I have to lay off employees or close?

Employee Sick Leave

Paid Family Leave

Unemployment Insurance

Temporary Disability Insurance

State Income Tax Extension

Federal SBA Loan Assistance is for working capital for businesses to pay fixed debts, payroll, accounts payable and other bills that can't be paid because of the COVID-19 disaster's impact. Information about the following federal programs is available here:

Federal Programs

Key Programs:

California Disaster Relief Loan Guarantee Program - Covid-19. See

Under this program:

  • Eligible recipients may qualify for a loan up to $10 million determined by 8 weeks of prior average payroll plus an additional 25% of that amount.

  • Loan payments will be deferred for six months.

  • If you maintain your workforce, SBA will forgive the portion of the loan proceeds that are used to cover the first 8 weeks of payroll and certain other expenses following loan origination.

Economic Injury Disaster Loans and Loan Advance In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000.The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.

The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

The application for a COVID-19 Economic Injury Disaster Loan can be found here: click here. Here is the Treasury Department's fact sheet.

The California State Small Business Loan Guaranty provides disaster relief to businesses that have had a decrease in revenue since the Corona Virus COVID-19 Pandemic began. The State Program has indicated that they will not decline a business because they still have good cash reserves in the bank or 401 K assets.

We work with Blaine Laney of the Northern California Financial Development Corporation (Nor Cal FDC), which has a partnership with the SBDC, which is connected to both the State of California and Federal SBA loan programs and will help businesses prepare and organize to help get the funds they need to make it through this pandemic and recover and continue to operate.

If you would like information about how to pursue SBA or SBDC assistance, please let us know and we will put you in touch with Blaine. There is no charge for this service. There are obviously no guarantees, but this is a place to start. You may also contact Blaine directly at:

Blaine Laney Loan Consultant

Nor Cal FDC

300 Frank H. Ogawa Plaza

Ste 175

Oakland, Ca 94612

Cell: 707-803-2102

64 views0 comments


bottom of page