Business Resources

Valley SBDC Event Calendar

Here you can find events such as how to establish a social media presence, getting on e-commerce, working with Google to improve your search ranking, and more. Even if the shops closed, you can still work on the business! 

Local Business Coordination of Help

CaBizRelief is a collaboration between Stanislaus and the Valley Sierra SBDC and is focused on the Central Valley and Foothills. It is gathering some information resources and may be a resource to you.

Locally, Cole Pryzbyla with the formerly named Economic Development Authority is providing updates on helping business get back on their feet at this website address.

COVID-19 Federal Rural Resource Guide:

County Webinar on COVID-19 Business Resources and Guidelines:

Does your business need a health expert to test and screen employees on site? Check out APS and give them a call at 209-527-7878 or see the flyer here:

Non-traditional grants for Small Businesses hit by COVID-19

Scroll down for the more standard PPP and EIDL loans. There is more information out there on these, so I chose to highlight some of the lesser known grants that you may not have heard of yet. 

Read the full "Inc." article here

General Grants

  • The U.S. Chamber of Commerce Foundation, in partnership with Vistaprint, is launching the Save Small Business Fund, which provides $5,000 for businesses that employ between three and 20 people, among other qualifications. The application goes live on April 20 at 3 pm EST, and you can sign up to be notified by email. 
  • Facebook is committing to supporting 10,000 U.S. small businesses with a $40 million fund. The fund is available in 34 locations.
  • In partnership with Verizon, the digital fundraising and advocacy platform Hello Alice is offering emergency grants of up to $10,000 for companies impacted by the coronavirus pandemic. 
  • Google is offering $340 million in advertising grants for small- and medium-size businesses, a credit that will be added automatically to Google Ads accounts. 
  • Verizon has allocated $5 million to the Local Initiatives Support Corporation to distribute via grants to small businesses. The first round of grant applications is closed but will reopen in mid-April, and you can register to be notified on their website. 
  • GoFundMe has partnered with Intuit QuickBooks, Yelp, GoDaddy, and to give small businesses a $500 grant if they raise at least $500 on GoFundMe.

County Grants

  • Stanislaus County, California, businesses can apply for "micro-grants" of up to $10,000 if they have been in business for a year, employ no more than 50 people, and can prove difficulties related to the coronavirus pandemic. Insurance companies, lending and investment firms, golf courses, franchises, nonprofits, and businesses run out of a home are not eligible, among other requirements. Applications are due April 27.

Industry-Specific Grants

Identity-Based Grants

Funding Trackers

Tax Filing with the IRS

The federal tax filing deadline has been moved back to July 15th, and taxes due are deferred until then. For IRS coronavirus relief information please visit The Taxpayer Advocacy Service will continue to assist taxpayers. Visit their website for more information on how to receive assistance:

Small Business Administration (SBA)

*NOTE: Grants and forgiven loans generally will still count as income, so it's important to account for the cost of this free money. 

Paycheck Protection Program

The Paycheck Protection Program is available to provide loans through conventional lenders to small businesses in an amount up to 250 percent of payroll to meet expenses such as payroll, rent and utilities payments, and are forgiven as long as employees are retained. Currently (04/20/20) new applications are not being accepted. But, keep an eye out for more money from the federal government to reopen it. When they do, here are the participating banks (Thanks to Cole Przbyla for compiling and updating on the County Site)

Oak Valley Community Bank - Yes, Apply or find info HERE

Wells Fargo - Applications back open, must "express" interest first. Find info HERE

Mechanics Bank - Yes, Apply or find info HERE

Bank of Stockton - Yes, Apply or find info HERE

US Bank - Yes, Apply or find info HERE

Umpqua Bank - Applications Suspended. Find info HERE

Bank of America - Yes, Apply or find info HERE

Yosemite Bank - Yes, Apply or find info HERE

Chase Bank - Yes, Apply or find info HERE

BBVA - Applications back open. Find info HERE

WestAmerica Bank - Applications Suspended. Find info HERE

El Dorado Savings Bank - No, Find info HERE

Central State Credit Union - No, Find info HERE

Heartland Payments - Yes, Email Don HERE or call 209-743-0451 

List compiled with assistance of Calaveras and Mariposa County Economic Development Directors

List updated April 15, 2020


EIDL Loans

This loan advance will provide up to $10,000 of economic relief to businesses that are currently experiencing temporary difficulties. Does not have to be repaid, but currently (04/20/20) no new applications are being accepted. Look for the next round!

SBA Resources -

The Federal CARES Act

The CARES Act provides $1,200 cash grants for individuals, $2,400 for couples and $500 for children up to $75,000 for individuals and $150,000 for couples.  Most people will receive a direct deposit with your relief money by April 17, but to find out more, visit

Small business guide to the CARES act:

Specific to Farming and Agriculture

AgSafe COVID-19 Resources - A bunch of resources for the applications you may be filing as well as programatic health info for agricultural employees and employers.

USDA Microloan Programs -- The focus of Microloans is on the financing needs of small, beginning farmer, niche and non-traditional farm operations, such as truck farms, farms participating in direct marketing and sales such as farmers’ markets, CSA’s (Community Supported Agriculture), restaurants and grocery stores, or those using hydroponic, aquaponic, organic and vertical growing methods.

USDA Loans -- USDA offers a variety of funding opportunities to help farmers, ranchers, and forest landowners finance their businesses. Explore the resources below to learn about funding programs that may meet your current business needs.

Farm Loan Discovery Tool -- Answer a few short questions to learn about USDA farm loans that might be right for you. USDA also offers other funding opportunities to help farmers, ranchers, and forest landowners finance their business. Explore the Fund page to learn about these programs.

Paying Utility Bills

Below is a list of consumer protection provisions enacted in response to the COVID-19 outbreak in California. For additional resources related to the COVID-19 Outbreak, please visit the State of California’s COVID-19 Awareness Website:

For payment assistance programs, please visit

More on Consumer Protections by Industry


Specific to PG&E (Consumers)

California Alternate Rates for Energy (CARE) Program - Qualified households can save 20 percent or more each month on their energy bill. Applying is easy and only takes a few minutes. Your income eligibility is based on current earnings going forward and not your past income, so if you have had a change in circumstances you may now qualify.

Family Electric Rate Assistance (FERA) Program - Separate from CARE, income-qualified households with three or more persons can apply for a monthly discount on their electric bill. As with the CARE program, your current income going forward will be considered, so if your circumstances have changed you may now qualify.

Relief for Energy Assistance through Community Help (REACH) - Provides income qualified customers with financial assistance during times of hardship. Customers impacted by the COVID-19 will be provided with up to an additional $100 in bill payment assistance through March 4, 2021.

Medical Baseline - Residential customers who have special energy needs due to certain qualifying medical conditions can receive a lower rate on monthly energy bills. Your income is not a factor in qualifying for this program. Due to COVID-19 shelter-at-home requirements and changing medical practitioner priorities, PG&E customers can self-certify their eligibility to enroll in the medical baseline program. Signature by a qualified medical practitioner is not required to apply but may be required to remain on the program beyond 1 year.

Specific to PG&E (Businesses)

Suspending service disconnections - PG&E has suspended service disconnections for non-payments and is waiving security deposits. This suspension applies to small business customers and remains in effect until further notice.

Financial and technical assistance for small businesses - The California Governor’s Office of Business and Economic Development (GO-Biz) has compiled guidance for use by employers and employees as it relates to the coronavirus (COVID-19).

Federal Small Business Assistance (SBA) Loans - The SBA is offering relief programs including low-interest federal disaster loans to California small businesses.

Billing and service modifications

Offering Flexible Payment Plans. You can schedule payment of your current balance over several months to help address temporary financial strains.

Suspending service disconnections for non-payment and waiving deposit requirements. PG&E will be suspending disconnections for nonpayment for all residential and small business customers and will remain in effect until further notice.

Suspending Medical Baseline Removals. Customers on the Medical Baseline program will not be asked to re-certify through a doctor or other eligible medical professionals for up to one year.

EDD Benefits for Employers

Workplace Health and Safety

For information on protecting workers from COVID-19, refer to the Cal/OSHA Guidance on Coronavirus. Businesses and employers can visit the Centers for Disease Control and Prevention website for help with planning and responding to COVID-19.

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. 

Potential Closure or 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. (Sacramento) (916) 263-4100

Tax Assistance

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. For questions, employers may call the EDD Taxpayer Assistance Center. Toll-free from the U.S. or Canada: 1-888-745-3886. Hearing impaired (TTY): 1-800-547-9565


The SBDC is a program where local experts in various skills (marketing, accounting, etc) will work with your business completely free courtesy of the Small Business Administration (SBA). If your business has not taken advantage of this program, even if you are doing well or haven't asked for assistance before, you DEFINITELY should call in about this.

They can help with, for example, getting you an online presence or figuring out your HR needs or developing an improved business plan. 


Be the first to comment

Please check your e-mail for a link to activate your account.