COVID-19 Business Resources

The City of Concord understands that the COVID-19 shelter-in-place order may present financial challenges for local businesses. To help mitigate these challenges, the City has highlighted below a variety of federal, state, county and other resources that businesses can pursue during this difficult time.

๐Ÿ›ˆ The City of Concord has implemented its own programs to support local businesses during the COVID-19 shelter-in-place order, including the Small Business Grant Program, Concord Eviction Moratorium, Concord Open Business List, and Business License Relief Program. Visit the Concord Forward: How the City is Supporting Local Business page to learn about City-specific resources, or stay on this page to learn about federal, state, county and other resources.

๐Ÿ›ˆ If you are a worker who has been affected by COVID-19, please visit the Workers page on the Office of Governor Gavin Newsom’s COVID-19 website. The page includes a summary of recent State action related to unemployment and disability insurance and resources from the Employment Development Department that are relevant to both workers and self-employed/independent contractors.

Business Assistance Call Center & Human Resources Call Center
Workforce Development Board of Contra Costa County

Business owners impacted by COVID-19 can call (833) 320-1919, from 8:30 a.m. to 5 p.m., on Monday through Friday, to receive information related to lay-offs, insurance needs, federal small business loans, and payroll subsidies. For information about California labor laws, such as paid sick leave laws and the Family and Medical Leave Act, business owners can call the Human Resources Hotline for Employers at (888) 599-7645, from 8 a.m. to 5 p.m., on Monday through Friday.

Pandemic Unemployment Assistance
California Employment Development Department (EDD)

Initiated by the CARES Act, Pandemic Unemployment Assistance expands unemployment benefits to include Californians who are business owners, self-employed, independent contractors, and others not usually eligible who are affected by the pandemic. The provisions of the program include up to 46 weeks of benefits starting with weeks of unemployment beginning February 2, 2020, through the week ending December 26, 2020. For more information, visit the Pandemic Unemployment Assistance page.

Federal Paycheck Protection Program
U.S. Small Business Administration (SBA)

Update: The Paycheck Protection Program closed on August 8, 2020.

Update: The Paycheck Protection Program Extension Act has extended the deadline to apply for a Paycheck Protection Program to August 8, 2020.  

Update: The Paycheck Protection Program Flexibility Act passed on June 4, 2020 extends the forgiveness period from eight to twenty-four weeks, reduces the minimum amount that must be spent on payroll from 75 to 60 percent, and extends loan maturity from two to five years. Payment will not be required until loan forgiveness is determined. 

Update: As of April 24, 2020, with the signing of the Paycheck Protection Program and Health Care Enhancement Act into law, additional funding is available for the Paycheck Protection Program. The program officially resumed on April 27, 2020.
The CARES Act dedicated $349 billion to the creation of the Paycheck Protection Program, which is designed to help small businesses keep their workforce employed. The program is retroactive from February 15, 2020 to allow employers to rehire recently laid-off employees. Small businesses and eligible non-profits, Veteran organizations, and Tribal businesses, as well as self-employed individuals or independent contractors, are eligible to apply if they have 500 or fewer employees. 

The program offers loans up to $10 million with an interest rate of 0.5 percent and maturity of two years. No collateral or personal guarantees are required and loan payments will be deferred for six months. The SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. 

Businesses can apply through any existing SBA lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Lenders may begin processing loan applications as soon as April 3, 2020. Loans will be administered on a first-come, first-served basis.  

For more information, including a tool for finding eligible lenders, visit the SBA Paycheck Protection Program page

Federal Economic Injury Disaster Loan Program 
U.S. Small Business Administration (SBA)

Update: On June 15, 2020, the SBA began accepting new Economic Injury Disaster Loan applications from both qualified small businesses and U.S. agricultural businesses.

Update: As of May 8, 2020, the Economic Injury Disaster Loan Program is only available to agricultural businesses.
The SBA is offering low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of COVID-19. The program offers an interest rate of 3.75 percent for small businesses and 2.75 percent for non-profit organizations, with long-term repayments up to a maximum of 30 years. The deadline for the Economic Injury Disaster Loan is December 16, 2020.

Businesses can apply on the SBA Disaster Loan Assistance page, or mail completed applications to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155. For application assistance, call SBA’s Customer Service Center at (800) 659-2955 or email Individuals who are deaf or hard-of-hearing may dial (800) 877-8339.

State Guidance for Employers and Individual Industries
Office of Governor Gavin Newsom

The State of California has issued guidance to help employers create a safe, low-risk environment for workers and customers. Businesses should read the COVID-19 Employer Handbook and Statewide Industry Guidance and Checklists, in addition to the resources available on Contra Costa County’s COVID-19 page and the Concord Forward page.

Calling All Californians: #ShopSafeShopLocal
Governor’s Office of Business and Economic Development (GO-Biz)

The Governor’s Task Force on Business and Jobs Recovery has created a campaign, Calling All Californians: #ShopSafeShopLocal, to help small businesses operate safely amid the COVID-19 pandemic and grow their digital footprints. The campaign includes a newly launched website that provides free consulting in 31 languages, resources to help businesses build a digital footprint, latest state industry guidance, access to Personal Protective Equipment, and a free digital media toolkit.

COVID-19: California Resources
Small Business Majority

Small Business Majority, a national small business advocacy organization, has created a California Resources page that includes emergency loan information beyond the widely distributed federal programs. Businesses will also find webinars on how to access funding opportunities, as well as free tools to calculate eligibility for federal small business assistance.

Online Webinars for Coping with COVID-19 and No-Cost Personalized Assistance
Contra Costa Small Business Development Center (Contra Costa SBDC)

The Contra Costa SBDC has created this Online Webinars for Coping with COVID-19 page to provide tools for navigating the economic difficulties posed by COVID-19, including step-by-step directions on filing an application for the SBA Economic Injury Disaster Loan. For no-cost personalized assistance, businesses can visit and click "APPLY TODAY" to register and access the scheduling platform.

COVID-19 Resources: State Tax Relief and Loan Programs
Governor’s Office of Business and Economic Development (GO-Biz)

The Governor’s Office of Business and Economic Development has compiled helpful information for employers, employees and all Californians as it relates to COVID-19. The COVID-19 resource page includes information about the State of California’s small business loan programs and tax relief programs. 

Loan programs listed on the resource page include the IBANK’s Disaster Relief Loan Guarantee Program for loans up to $1 million and the Jump Start Program for loans up to $10,000. In addition, the California Capital Access Program encourages financial institutions to make loans to small businesses experiencing difficulty obtaining financing.

Resources for Workers and Employers Impacted by COVID-19
California Employment Development Department (EDD)

The EDD has created a centralized COVID-19 resource page for both workers and employers impacted by COVID-19. Workers experiencing reduced hours, as well as those who must miss work to receive treatment or care for sick family members or children during school closures, will find helpful resources. The resource page also includes information for self-employed/independent contractors

Employers who are experiencing a hardship due to COVID-19 will find helpful resources related to tax relief, such as a 60-day extension to file state payroll reports and deposit payroll taxes, and potential closure or layoffs. For example, the Work Sharing Program, a form of unemployment insurance, helps employers reduce hours as an alternative to layoffs. Also, employers facing potential closure or layoffs can receive help through the local workforce development board’s Rapid Response Program.

Note: Businesses interested in the Rapid Response Program should contact the Workforce Development Board of Contra Costa County: Patience Ofodu, Business Services Manager, (510) 453-6950,

Interim Guidance for Businesses and Employers
Centers for Disease Control and Prevention (CDC)

The CDC has published interim guidance on what is currently known about COVID-19 and how businesses and employers can plan, prepare, and respond to the disease. The guidance is of particular importance to essential businesses still operating during the shelter-in-place order. Visit the CDC website to view the interim guidance for businesses and employers.

Resources for Employers and Workers 
California Labor & Workforce Development Agency (LWDA)

LWDA is an executive branch agency that provides leadership to protect and improve the well-being of California’s current and future workforce. The agency has created this centralized COVID-19 resource page to help workers, employers, and families access information and assistance.

Requirements to Protect Workers from COVID-19
California Division of Occupational Safety and Health (Cal/OSHA)

Per Cal/OSHA’s Aerosol Transmissible Diseases (ATD) standard (section 5199), employers must protect workers exposed to airborne infectious diseases such as COVID-19. CAL/OSHA’s COVID-19 resource page offers guidance to help employers comply with safety requirements and to provide workers with information on how to protect themselves.

FAQs on Laws Enforced by the California Labor Commissioner’s Office
California Labor Commissioner’s Office

The mission of the California Labor Commissioner’s Office is to ensure a just day’s pay in every workplace in the State and to promote economic justice through robust enforcement of labor law. To help employers and employees understand their obligations and rights, the California Labor Commissioner’s Office has created this COVID-19 FAQs for Labor Laws page.