Business Resources

Sections Include:


Customer Outreach Tools for A&D Suppliers

For businesses that are considered Essential Critical Infrastructure Workforce, and remain operational during the COVID-19 lockdown, outreach to customers and supplier partners is crucial. This document functions as a template for A&D suppliers to use as an informational email for customers and supplier partners during this time. Simply download this document, replace red text placeholders with the appropriate information and logo for your business, and copy and paste the text into a blank email.

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US SBA Disaster Assistance

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State of California

  • California Governor’s Office of Business and Economic Development ( GO-Biz) has compiled helpful information for employers, employees and all Californians as it relates to the cornonavirus (COVID-19) outbreak.  Read more here.
  • Coronavirus 2019 (COVID-19) FAQs from the State of California Employment Development Department. This FAQ  provides you general guidance as to what programs are available and what situations may be applicable to your circumstances, including Employer Information, Disability or Paid Family Leave Benefits and Unemployment Insurance Benefits.
  • Payroll Tax Deferral – State of California
    Employers experiencing a hardship as a result of COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit state payroll taxes without penalty or interest. A written request for extension must be received within 60 days from the original delinquent date of the payment or return. Learn more.
  • Potential Closure of Layoffs – Employers planning a closure or major layoffs as a result of the coronavirus can get help through the Rapid Response program. Rapid Response teams will meet with you to discuss your needs, help avert potential layoffs, and provide immediate on-site services to assist workers facing job losses. For more information, refer to the Rapid Response Services for Businesses Fact Sheet (DE 87144RRB) (PDF) or contact your local America’s Job Center of CaliforniaSM.
  • Reduced Work Hours –  Employers experiencing a slowdown in their businesses or services as a result of the coronavirus impact on the economy may apply for the UI Work Sharing Program. This program allows employers to seek an alternative to layoffs — retaining their trained employees by reducing their hours and wages that can be partially offset with UI benefits. Workers of employers who are approved to participate in the Work Sharing Program receive the percentage of their weekly UI benefit amount based on the percentage of hours and wages reduced, not to exceed 60 percent. Visit Work Sharing Program to learn more about its benefits for employers and employees, and how to apply.
  • Workplace Health and Safety

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Taxes 

  • IRS Coronavirus Tax Relief
  • Federal Tax Filing and Payments Deadline Extended to July 15, 2020
    • March 21, 2020 IRS News Release:  The Treasury Department and Internal Revenue Service announced that the federal income tax filing due date is automatically extended from April 15, 2020, to July 15, 2020.  Taxpayers can also defer federal income tax payments due on April 15, 2020, to July 15, 2020, without penalties and interest, regardless of the amount owed. 
    • For additional information and updates visit the IRS special coronavirus page.
  • California – Franchise Tax Board State Tax Filing and Payments Deadline Extended to July 15, 2020
    • The new extensions apply to any business entity with a California return or payment due between March 15 and July 15. This includes Corporations, S-Corps, LLCs, Partnerships, and other entity types with returns or payments due during this period.
    • All California taxpayers are considered affected taxpayers if they have an income tax return filing or payment due date between March 15, 2020 and July 15, 2020.
    • For additional information visit FTB COVID-19 special tax relief and updates.
  • Payroll Tax Deferral – State of California
    Employers experiencing a hardship as a result of COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit state payroll taxes without penalty or interest. A written request for extension must be received within 60 days from the original delinquent date of the payment or return. Learn more.

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Utilities

  • SoCalGas Announces Suspension of Service Disconnections as Part of Company’s COVID-19 Response
    Southern California Gas Co. (SoCalGas) has announced a suspension of service disconnections to any customers who are having a hard time paying their bill. Read more.
  • The California Public Utilities Commission has put in place a number of Utility Consumer Protections During California COVID-19 Outbreak.

Consumer Protections by Industry

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Finance & Loan Resources

  • City of LA micro-loan program 
    • A new micro-loan program for small businesses in City of Los Angeles is planned to being operation, with loan amounts from $5,000 to $50,000. 
  • California IBank has low-interest and state-guaranteed business loans and microloans for small business borrowers who have been impacted by regional disasters and who need term loans or lines of credit for working capital.
  • The California Capital Access Program (CalCAP) for Small Business encourages banks and other financial institutions to make loans to small businesses that have difficulty obtaining financing.  If you own a small business and need a loan for start-up, expansion or working capital, you may eligible for this program.  CalCAP is a loan loss reserve program which may provide up to 100% coverage on losses as a result of certain loan defaults.  Loans are available up to $5 million.
  • JFLA Free Loan is here to help you or someone you know with a no fee and interest-free loan of up to $10,000 to cover: Small business losses; Lost wages because you can’t go in to work; Child care costs when schools are closed; Funds lost due to cancelled travel plans and more. To apply visit jfla.org and fill out a pre-loan application.

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Insurance

Will your insurance cover this as a “Business Interruption”? This is what the CA Department of Insurance is saying:

  • Business Interruption Insurance is insurance that covers a policyholder’s loss of business income sustained by the policyholder due to a necessary suspension of the business operations. The suspension of business operations ordinarily must be caused by direct physical loss of or damage to property at the insured location, and the loss or damage must be caused by or result from a cause of loss or peril covered by the applicable policy.
  • We know that the COVID-19 crisis is affecting millions of business owners and workers, and Commissioner Lara is working with Governor Newsom’s Administration, federal authorities, and state insurance commissioners through the National Association of Insurance Commissioners (NAIC) on solutions to help businesses who are losing income due to government directives and business closures as a result of the COVID-19 pandemic.
  • While we deal with this unprecedented emergency, we strongly recommend that businesses review their policies and contact their insurance companies or brokers to determine what their policies cover as each insurance policy is different and the coverage varies on the type of policy you have.
  • Read more here.

California Department of Insurance

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Technology

  • Google is offering free access to “Advanced Hangouts Meet” video-conferencing capabilities for G-Suite customers through July 1, 2020
  • Comcast is providing free Xfinity hotspots, unlimited data, and no disconnects or late fees for all customers experiencing hardship over the next 60 days. Comcast is also offering a free Internet Essentials internet plan for all new customers for 60 days
  • Dropbox invites nonprofits and NGOs focused on fighting COVID-19 to apply for a free, three-month subscription to Dropbox Business
  • Verizon is waiving late fees incurred by any residential or small business customers due their economic circumstances related to COVID-19 for the next 60 days. Furthermore, the company will not terminate service to any residential or small business customers who are unable to pay their bills due to disruptions caused by COVID-19
  • GO-Biz shared a list of free or discounted tech products for small businesses

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