Resources for Businesses




U.S. Federal


Small Businesses, Non-Profits & Venues Act

  • Provide additional assistance to the hardest-hit small businesses, nonprofits, and venues that are struggling to recover from the impact of the COVID-19 pandemic
  • Increased Appropriations:
  • $284.45 billion for Paycheck Protection Program Second Draw Loans
  • $25 million for Minority Business Development Centers under the Minority Business Development Agency (MBDA) to assist minority business enterprises with technical assistance, such as applying for PPP
  • $50 million to SBA for PPP auditing and fraud mitigation purposes
  • $15 billion for grants for shuttered live venues, theaters, museums, and zoos
  • $20 billion for the EIDL Advance program, of which $20 million is for the SBA Inspector General
  • $3.5 billion for continuing the Section 7(a) Debt Relief program
  • $2 billion to carry out SBA lending enhancements. ​ Of this amount, $57 million for the Microloan program for technical assistance and direct lending to underserved borrowers

COVID Relief Package

  • Extends program time to 3/31/21
  • Grants for shuttled venue operators at $17B with loans up to $10M to eligible person or entity
  • Extension of the debt relief program and modifications to loan programs
  • Targeted EIDL $10K grant programs for eligible applicants from low income communities and extension of coverage period to 12/31/21
  • Provisions for additional eligible expenses (including added operational expenses, property damage from public disturbances, supplier cost, worker protection); streamlined process for loans < $150K; specific group insurance payments as payroll costs; clarification that a business must be in operation as of 2/15/20 for eligibility

Paycheck Protection Program “Second Draw” Loans

  • Creates second loan from PPP with a max. of $2M. ​


  • Employ not more than 300 employees
  • Have used or will use full amount of first PPP
  • Demonstrate at least a 25 percent reduction in gross receipts in Q1, Q2 or Q3 of 2020 relative to the same 2019 quarter
  • Provides applicable timelines for businesses that were not in operation in Q1, Q2, Q3, and Q4 of 2019
  • Applications submitted on or after January 1, 2021 are eligible to utilize the gross receipts from the fourth quarter of 2020
  • Eligible entities must be businesses, certain non-profit organizations, housing cooperatives, veterans’ organizations, tribal businesses, self-employed individuals, sole proprietors, independent contractors, and small agricultural co-operatives
  • Affirms the eligibility of churches and religious organizations and prohibits a future administration from making them ineligible. Preserves the application of affiliation rules to nonprofits, which makes Planned Parenthood ineligible.
  • Includes set-asides to support first-time PPP borrowers with 10 or fewer employees, second-time PPP borrowers with 10 or fewer employees, first-time PPP borrowers who have been made newly eligible, and second-time returning PPP borrowers. Additionally, provides for a set-aside for loans made by communitylenders.

Loan terms:

  • In general, borrowers may receive a loan amount of up to 2.5X the average monthly payroll costs in the one year prior to the loan or the calendar year. No loan can be greater than $2 million.
  • Seasonal employers may calculate their maximum loan amount based on a 12-week period beginning February 15, 2019 through February 15, 2020
  • New entities may receive loans of up to 2.5X the sum of their average monthly payroll costs
  • Entities in industries assigned to NAICS code 72 (Accommodations and Food Services) may receive loans of up to 3.5X average monthly payroll costs
  • Businesses with multiple locations that are eligible entities under the initial PPP requirements may employ not more than 300 employees per physical location

Loan Forgiveness:

  • Borrowers of a PPP second draw loan would be eligible for loan forgiveness equal to the sum of their payroll costs, as well as covered mortgage, rent, and utility payments, covered operations expenditures, covered property damage costs, covered supplier costs, and covered worker protection expenditures incurred during the covered period. The 60/40 cost allocation between payroll and non-payroll costs in order to receive full forgiveness will continue to apply.
  • Increased transparency and accountability in SBA programs; emergency enhancements in SBA’s lending program
  • Increased ability for PPP Borrowers to Request an Increase in Loan Amount Due to Updated Regulations
  • Calculation of Maximum Loan Amount for Farmers and Ranchers under the PPP
  • Added Eligibility and Guidelines for:
  • Farm Credit System Institutions, Seasonal Workers, Housing Cooperators, FCC license holders and newspapers, destination marketing organizations

COVID Related Tax Relief Act of 2020

  • Refundable tax credit in the amount of $600 per eligible family member. The credit is $600 per taxpayer* ($1,200 for married filing jointly), in addition to $600 per qualifying child. The credit phases out starting at $75,000 of modified adjusted gross income ($112,500 for heads of household and $150,000 for married filing jointly) at a rate of $5 per $100 of additional income.
    *Note: $600 amount subject to change pending further action by Senate.
  • Advance payments based on the information on 2019 tax returns. ​ In general, taxpayers without an eligible social security number are not eligible for the payment.
  • Other Provisions:
  • Extension of certain deferred payroll taxes
  • Clarification of deductions and tax treatments of: PPP loans, emergency financial aid grants, loan forgiveness and other financial assistance, reporting requirements, special rules to money purchase pension plans, farming losses, credits for paid sick and family leave and other measures

Unemployment Assistance COVID Extension Provisions

  • Temporarily extend a number of unemployment programs created by CARES Act that expire Dec. 31, 2020
  • Provides unemployed individuals an additional $300 per week for 10 weeks from December 26, 2020-March 14, 2021 (under the program called Federal Pandemic Unemployment Compensation (FPUC))
  • Extends and phases-out Pandemic Unemployment Assistance (PUA) which is a temporary federal program covering self-employed and gig workers, to March 14 (after which no new applicants) through April 5, 2021
  • Allows people who are getting benefits as of March 14 to stay on 3 additional weeks before their benefits are cut off
  • Increases the number of weeks available in PUA from 39 to 50 to cover people who have almost used up all their benefits however all benefits end April 5, 2021
  • Extends all other Unemployment Insurance (UI) provisions to March 14, including interest-free loans to states to keep their unemployment-insurance trust funds in shape, flexible staffing for states, and UI relief for non-profit organizations
  • Adds program integrity provisions to combat fraud and abuse in the unemployment programs.
  • Includes your Return to Work reporting requirements

Rental Assistance ($25B)

  • First-ever emergency federal rental assistance program to be distributed by state and local governments.

U.S. Federal (Various Agencies)


Additional Appropriations Approved on 4/22.

Key Components (not inclusive of all relief measures)

  • Increases appropriation for the Paycheck Protection Program by additional $321 billion
  • Increases authorization level for the Emergency Economic Injury Disaster (EIDL) Grants by additional $60 billion
  • $75 billion for reimbursement to hospitals and healthcare providers to support the need for COVID-19 related expenses and lost revenue
  • $25 billion to ramp up coronavirus testing

U.S. Federal (Various Agencies)


On March 27, 2020, Congress passed the CARES Act to provide substantial assistance to workers, families and individuals.​ ​Please see below for an abbreviated summary or click here​ for the full detail.

Key Components (not inclusive of all relief measures)

Keeping American Workers Paid and Employed Act

Paycheck Protection Program

  • $349 billion for small business loans; for businesses < 500 employees and sole-proprietors, independent contractors and other self-employed
  • Borrowers shall be eligible for loan forgiveness equal to the amount spent by the borrower during an 8-week period after the origination date of the loan on payroll costs, interest payment on any mortgage incurred prior to Feb 15, 2020, payment of rent on any lease in force prior to Feb 15, 2020, and payment on any utility for which service began before Feb 15, 2020
  • Loans equal to lesser of 2.5 months of payroll or $10M to maintain payroll, lease, and utility payments; Loan period Feb 20 to Jun 30, 2020; Max. interest rate of 4%
  • Eligibility based on operational status as of Feb 15, 2020 vs. repayment ability
  • Participating lenders (noted on SBA site) can begin processing loans beginning Fri, April 3, 2020 (for small businesses and sole proprietorships) and April 10, 2020 for Independent contractors and self-employed individuals
  • For participating SBA lenders and application process: US Treasury CARES Update for Small Businesses (April 2, 2020)

Expanded Eligibility of Economic Injury Disaster Loan (EIDL)

  • Expanded for individual operating as sole proprietor or independent contractor for Jan 31 to Dec 31, 2020
  • Emergency Grant of $10,000 advance payment to eligible EIDL applicant; repayment not required if loan denied

Business Provisions

Refundable payroll tax credit

  • For or 50% of wages paid by employers with credit up to $10,000 in wages paid / employee with max of $5,000
  • Applies to companies affected by shutdowns or 50% reduction in revenues from same calendar quarter in the prior year

Deferred Employer Payroll Tax Over Two Years

  • Includes Self Employed Individuals
  • Defer payment of the 6.2% employer-side Social Security payroll tax, effective for wages paid between date of enactment and Dec 31, 2020
  • Payment ultimately due in equal parts on Dec 31, 2021 and Dec 31, 2022

Net Operating Loss (NOL) Carryback Rules Reinstated and Expanded

  • NOLs from tax years 2018, 2019, and 2020 can be carried back 5 years to claim refunds from taxable years
  • Additional modifications on loss limitations, recovery of alternative minimum tax credits, interest expenses and others

General Labor Related Provisions

  • Limitations on employer paid leave and sick leave
  • Provides employee laid off by an employer March 1, 2020 or later to have access to paid family and medical leave in certain instances if rehired by employer
  • Employers to receive advance tax credit from Treasury

Rebates to Individuals

  • All U.S. residents with adjusted gross income up to $75,000 ($150,000 married), who are not a dependent of another taxpayer and have a work eligible social security number, are eligible for $1,200 ($2,400 married) rebate and additional $500 per child
  • Eligibility will use a taxpayer’s 2019 tax return if filed, or in the alternative their 2018 return and include those with no income or on SSI
  • For income above $75,000, $5.00 will be deducted for every $100 above $75,000. ​ Individuals above $99,000 will not be eligible
  • The federal government will send checks automatically either by check or direct deposit in April

Unemployment Insurance Provisions

  • Expanded to include self-employed, independent contractors, those with limited work history, furloughed workers, and “gig economy” workers (e.g. Uber, Lyft, etc.) to Dec 31, 2020
  • Additional $600 per week for up to four months
  • Additional 13 weeks of unemployment benefits through Dec 31, 2020 to help those who remain unemployed
  • Grants for 50% of costs incurred by States which provide a “short-time compensation” program

Foreclosure Moratorium and Consumer Right to Forbearance

  • Prohibits foreclosures on all federally-backed mortgage loans for a 60-day period beginning Mar 18, 2020
  • Provides up to 180 days of forbearance for borrowers of a federally-backed mortgage loan

Education Provisions

  • Defer student loan payments, principal, and interest for 6 months through Sept. 30, 2020 without penalty for all federally owned loans

Emergency Relief and Taxpayers Protections

  • $500B Emergency Treasury Exchange Stabilization Fund to provide loans, loan guarantees, and other investments
  • For direct lending, borrowers must maintain employment levels (no less than 90%) as of Mar 24, 2020 until Sept 30, 2020
  • Special facility targeted at nonprofits and businesses between 500 and 10,000 employees subject to criteria to retain no less than 90% of workforce with full compensation and benefits through Sept 30, 2020

U.S. Small Business Administration (SBA)


  • Low-interest federal disaster loans for working capital to California small businesses suffering substantial economic injury
  • Up to $2M; Eligibility based on impact
  • Interest rate is 3.75% for small businesses and 2.75% for private non-profit organizations
  • Phone: 800-659-2955 (TTY/TDD: 1-800-877-8339)
  • Email:

U.S. Department of Labor’s Wage and Hour Division (WHD)


U.S. Department of Treasury, Internal Revenue Service


  • Tax day for filing and payment extended to July 15 regardless of amount
  • Treasury, IRS and Labor announce plans to implement paid leave for workers and tax credits for small and midsize businesses

U.S. Department of Housing Urban Development (HUD)


U.S. Department of Education (For Students)



California Small Business COVID 19 Relief Grant Program

Round Two Applications Now Open (February 2 to 8, 2021) Deadline 6pm PST

  • Grants range from $5,000 to $25,000 for businesses with eligible business annual revenue from $1,000 up to $2.5M
  • Waitlist applicants do not need to reapply

California Office of Governor Gavin Newsom



California State Treasurer Office


California Franchise Tax Board & Department of Tax and Fee Administration


California Employment Development Department (EDD)









Small Business Development Center (SBDC) of Orange County and Inland Empire (located in Irvine)

Small Business Grant Relief Program

Supports small businesses and community organizations in Orange County’s Supervisorial District Five. ​ Grants of up to $10,000 will be available to eligible small businesses and non-profits within the district

To view the cities within the district, please go to site

To be eligible:

  • Must be a for-profit business* or non-profit organization*
  • Home based businesses are not eligible
  • Small businesses must have no more than 25 employees (FTE)
  • Independent contractors and sole proprietors are eligible
  • Must be located within Orange County’s Fifth District
  • Business must provide proof of operations for the past 12 months in a city or unincorporated community within the Fifth District
  • Small businesses and non-profits who received prior Federal and state disaster funding are eligible, however funding must be used on alternative eligible expenses


  • Sales from the business are down more than 25% compared to the previous three months. (Prior to March 1, 2020)
  • The business has had to lay off at least one of its employees (full or part-time)
  • The business was forced to shut down by the state or local government

Application will open June 22, 2020, 8:00 a.m. until June 28, 2020, 5:00 p.m.

Consultation Services for Small Businesses

No cost business consulting and low-cost training to business owners and entrepreneurs. ​ COVID-19 services include:

  • The initial assessment: Understanding how COVID has affected the business
  • Funding options:​ Review of funding sources and applications including SBA’s Economic Injury Disaster Loan (EIDL) and the Paycheck Protection Program (PPP)
  • Employee analysis and management
  • Future-proofing:​ Plan business jumpstart with financial projections, a walkthrough of marketing techniques and exploration of business-saving technologies

To sign up for service:
Call 1-800-616-SBDC (7232) or (click on Sign Up)

To ask questions at daily webinar at 3pm:

To view upcoming webinars:

City of Irvine


One Fair Wage

  • Cash assistance for service workers: restaurant workers, delivery drivers, and other tipped workers and service workers who are seeing their income decline or aren’t able to work because of quarantines or other health concerns.
  • Request online:

USBG National Charity Foundation

  • Get financial assistance for individuals and their families in the alcohol industry
  • Eligible if worked for at least one year directly serving or in the production, promotion or distribution of alcoholic beverages, or the spouse or child of someone in the industry Apply with online form




California Labor and Workforce Development Agency

Guidance for California Employer and Workforce

Centers for Disease Control & Prevention

Workplace Health & Safety

Cal/OSHA Guidance on COVID-19

Workplace Health & Safety

California Employment Development Department (EDD)

Rapid Response Services

California Labor Commissioner’s Office

FAQs regarding employee leave options, compensation, and salary

Orange County Government

Summary of Resources for Orange County Businesses & Individuals

2-1-1 Comprehensive information and referral system for Orange County

  • Provides a resource database of health and human services and support, accessible 24 hours a day, 7 days a week online and through a multi-lingual hotline
  • Dial 2-1-1 or visit

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