COVID-19 Recovery & assistance


small business helpline

Are you a small business owner? Do you have questions on how to safely operate during the COVID-19 pandemic, or if you qualify for any of the federal funding programs? This and other FREE small business assistance is available by calling the Westside Small Business Helpline.



Hours of Operation: M-F, 9 am – 5 pm



Melinda Gonzalez

loans & grants

As small businesses continue the hard work of economic recovery in the wake of the COVID-19 pandemic, access to capital is paramount.  We have compiled a list of available loans and grants that you can help you and your small business on the road to recovery. The list below could help you or someone you know, so be sure to bookmark it, and share it with a fellow small business owner. 

City of San Antonio Hospitality Grant Program (Application Period Closed)

This application period for this grant opportunity closed as of Monday, April 5th at 11:00 pm.  If you applied for this grant and need more information on the status of your application, please contact LiftFund at (888) 215-2373.

Through this grant, the City of San Antonio and the Houston Street TIRZ are supporting $14.25 million to fund small business grants for the Hospitality Industry, with an emphasis on food & beverage small businesses. 


 U.S. Small Business Administration

Economic Injury Disaster Relief Loan (EIDL)

The loan portion of the COVID-19 EIDL program continues to have funds available at very affordable and flexible terms, with an automatic deferment of one year before monthly payments begin.  Every eligible small business and non-profit is encouraged to visit to get more information about applying for EIDL and other economic recovery programs.

COVID-19 Targeted EIDL Advance 

 The Targeted EIDL Advance provides businesses located in low-income communities with additional funds to ensure small business continuity, adaptation, and resiliency.

Advance funds of up to $10,000 will be available to applicants located in low-income communities who previously received an EIDL Advance for less than $10,000, or those who applied but received no funds due to lack of available program funding.

Applicants do not need to take any action at this time.

SBA will reach out to those who qualify.

SBA will first reach out to EIDL applications that already received a partial EIDL Advance (between $1,000 – $9,000). Applicants will be contacted directly by SBA via email in the coming weeks with instructions to determine eligibility and submit documentation. 

ALWAYS BEWARE!  Bad actors are using government logos in phishing emails in an attempt to steal account information.  All communications from SBA will be sent from an official government email with an ending. Please do respond to and do not send sensitive information via email to any address that does not end in

Learn More

Read FAQ’s

Response Letter After Inquiry about EIDL Advance

NEW! – Shuttered Venue Operator’s Grant 

The Shuttered Venue Operators (SVO) Grant program was established by the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act, signed into law on December 27, 2020. The program includes $15 billion in grants to shuttered venues, to be administered by the SBA’s Office of Disaster Assistance. 

The Shuttered Venue Operators Grant application portal remains temporarily suspended through the weekend of April 9 while we work to resolve technical issues. We can confirm we did not accept any applications or distribute any funding. When a reopening date is determined, we’ll provide updates in advance so that applicants have time to prepare.

So many live venues and related businesses have been impacted by this pandemic and we want to ensure relief is delivered as quickly and equitably as possible. We appreciate your patience.

For more information about the Shuttered Venue Operators Grant program, visit

This section will be updated as new information regarding the availability of the grant portal arrives.

Eligible applicants may qualify for SVO Grants equal to 45% of their gross earned revenue, with the maximum amount available for a single grant award of $10 million. $2 billion is reserved for eligible applications with up to 50 full-time employees.

Who can Apply?

Eligible entities include:

  • Live venue operators or promoters
  • Theatrical producers
  • Live performing arts organization operators
  • Relevant museum operators, zoos and aquariums who meet specific criteria
  • Motion picture theater operators
  • Talent representatives, and
  • Each business entity owned by an eligible entity that also meets the eligibility requirements

Other requirements of note:

  • Must have been in operation as of February 29, 2020
  • Venue or promoter must not have applied for or received a PPP loan on or after December 27, 2020


Sign up for mail alerts about this program


Additional COVID-19 Funding Options

The SBA has a free, curated list of thousands of funding sources at the national, state, regional and local levels designed to support small businesses in accessing capital to recover from COVID-19.   Learn more

paycheck protection program

Now accepting COVID-19 Payment Protection Program (PPP) applications for Coronavirus relief Round 2

Cares Act Funding – Application Deadline: May 31, 2021

Westside Development Corporation is working with trusted lending partners to assist individuals with applying for the Paycheck Protection Program.  We are currently focusing on sole proprietors and 1099 employees who have filed a schedule C.  

If your business or non-profit organization has been affected by the COVID-19 pandemic, the SBA PPP (Small Business Administration Paycheck Protection Program) loan could give you access to 2.5X your average monthly payroll in relief funds. If you have experienced at least a 25% loss in revenue when you compare 2019 to 2020 and have a positive number on Line 7 of your schedule C, we can assist you with getting the funding you deserve!


What is the Paycheck Protection Program?

As a part of the CARES Act and Consolidated Appropriations Act, 2021, the Paycheck Protection Program provides small business loans with up to 100% forgiveness to help businesses impacted by COVID-19. The objective of this program is to help businesses retain their workforce and assist with operational expenses. These loans are meant to help small businesses cover employee salaries, total payroll support, rent, utilities, and other business related debt-obligations.

Benefits of a Payment Protection Program Loan 2

100% Loan Forgiveness

Only 1% Interest

Loans from $5,000 – $2 million

No Collateral Needed

For qualified loan uses like payroll, mortgage interest, rent, utilities, and more.  All loans will have a non-compounding and non-adjustable 1% interest rate. There are no collateral requirements or personal guarantees needed.

The Paycheck Protection Program has the following terms:

  • Fixed interest rate of 1.00%
  • Can elect a covered period between 8 and 24 weeks after origination until March 31, 2021
  • Fixed interest rate of 1.00%
  • Can elect a covered period between 8 and 24 weeks after origination until March 31, 2021

Payment deferral:

  • No payments until the SBA pays the lender for the forgiven portion⁵ or
  • No payments for the first 10 months after the covered period if the borrower fails to apply for forgiveness by the end of that time period
  • 5-year term repayment loans made on or after June 5, 2020
  • Loan forgiveness of up to 100% of the principal amount

Is Your Small Business Eligible for the Program?

For a first PPP loan: All businesses that were in operation on or before February 15, 2020 – including sole proprietorships, self–employed individuals, and independent contractors – with 500 or fewer employees and have not received a grant under section 24 of the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act can apply for a first PPP loan.

For second PPP loan: All businesses that were in operation on February 15, 2020 – including sole proprietorships, self–employed individuals, and independent contractors – with 300 or fewer employees, have not received a grant under section 24 of the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act, have used or will use the full amount of their first PPP loan and can demonstrate a 25% reduction in gross receipts from any of the four quarters of 2020 compared to the same quarter in 2019 can apply for a second PPP loan.⁴

I have determined I am eligible. What is the maximum loan amount?

For a first draw PPP loan, the maximum loan amount will be 250% (or 2.5 times) your average monthly payroll costs for 2019 or 2020 or for a 1-year period before the date on which the loan is made.

For a second draw PPP loan, the maximum loan amount will be 250% (or 2.5 times) your monthly average payroll costs for most industries. If your business is in food services or accommodations, the maximum loan amount will be 350% (or 3.5 times) your monthly average payroll.

What is the required documentation needed to complete my package?

The required documentation for your Paycheck Protection Program application can vary by your entity’s filing status, if you’re applying for a First Draw PPP Loan or a Second Draw PPP Loan, and if you have employees. We will go over the different document requirements in the questions below.

In general, all applications will require the following documents:

  • A copy of an official ID document, such as a driver’s license, for all business owners who own 20% or more.
  • Bank account verification by connecting via Plaid (more details on Plaid in the question below) or through providing a voided check.

I filed a Schedule C in 2019 and I don’t have employees

If you filed a Schedule C in 2019 and do not have any employees (other than yourself), you will need to upload the following documents:

  • 2019 1040 Schedule C
  • One 2019 business bank statement and February 2020 business bank statement

I filed a Schedule C in 2019 and I have employees

If you filed a schedule C in 2019 and do have employees (other than yourself), you can expect to upload the following documents:

  • 2019 1040 Schedule C
  • 2019 Form 941s for all four quarters
  • Q1 2020 Form 941 or February 2020 bank statement showing payroll debit(s) or a payroll statement covering February 15, 2020

If you have a 2019 full year comprehensive payroll report from payroll processor/PEO, you may submit that instead of submitting the Schedule C and the 941s

I filed a Form 1120/1120s or Form 1065 in 2019

If you filed a Form 1120/1120s or a Form 1065 (you’re likely a Partnership or Corporation), you can expect to upload the following documents:

  • 2019 Business Tax Return (including K-1s if you filed a 1065)
  • 2019 Form 941s for all four quarters (if you have employees)
  • Q1 2020 Form 941 or February 2020 bank statement showing payroll debit(s) or a payroll statement covering February 15, 2020

If you have a 2019 full year comprehensive payroll report from payroll processor/PEO, you may submit that instead of submitting the first two requirements (2019 Business Tax Return and the 941s)

I am applying for my Second Draw PPP loan

If you’re applying for your Second Draw PPP loan, you will be required to fill out a Proof of Revenue Reduction form as a part of our online application to demonstrate at least a 25 percent reduction in gross receipts in the first, second, or third quarter of 2020 relative to the same 2019 quarter.⁴

To prepare for this part of the application, you can review your business’s income statements (also called Profit and Loss statements) for 2019 and 2020. You can generate an income statement through any bookkeeping service you use to track your business’s finances or request one from your bookkeeper.

We will ask for your quarterly Revenue and Expenses, and you will need to demonstrate a 25% or more reduction in revenue over one quarter in 2019 compared to the corresponding quarter in 2020. You only need to input numbers for one pair of quarters and do not need to input numbers for the rest of the quarters.

What expenses can I use  a PPP Loan for? 

The list of eligible expenses was expanded in December 2020 and now applies to all PPP loans. You can spend your PPP loan on:

  • Payroll costs, which means all payments that are:
    • Salary, wage, commission or similar compensation
    • Payment of cash tip or equivalent
    • Payment for vacation, parental, family, medical or sick leave
    • Allowance for dismissal or separation
    • Payment required for the provisions of group health care benefits, including insurance premiums
    • Payment of any retirement benefit
    • Payment of State of local tax assessed on the compensation of employees
    • The sum of payments of any compensation to or income of a sole proprietor or independent contractor that is a wage, commission, income, net earnings from self-employment or similar compensation and that is in an amount that is not more than $100,000 in one year as prorated for the covered period.
  • Costs related to group health care benefits during periods of paid sick, medical or family leave and insurance premiums.
  • Employee salaries, commissions or similar compensations
  • Payments of interest on any mortgage obligations
  • Rent
  • Utilities
  • Interest on any other debt
  • Covered operations expenditure like:
    • Payments for any business software or cloud computing services, product or service delivery.
    • The processing, payment or tracking of payroll expenses
    • Human resources, sales and billing functions
    • Accounting or tracking of supplies, inventory, records and expenses
  • Covered property damage costs in connection with any public disturbances in 2020.
  • Covered supplier costs including operating or capital expenditures to facilitate the adaptation of the business activities during COVID.
  • Covered worker protection expenditures.


SBA provides a number of loan resources for small businesses to utilize when operating their business. For more information on loans or how to connect with a lender, visit:

How to get access to lending partners?  SBA has developed Lender Match, a free online referral tool that connects small businesses with participating SBA-approved lenders within 48 hours.

  • 7(a) program:  offers loan amounts up to $5,000,000 and is an all-inclusive loan program deployed by lending partners for eligible small businesses within the U.S. States and its territories. The uses of proceeds include working capital; expansion/renovation; new construction; purchase of land or buildings; purchase of equipment, fixtures; lease-hold improvements; refinancing debt for compelling reasons; seasonal line of credit; inventory; or starting a business.
  • Express:  loan program provides loans up to $350,000 for no more than 7 years with an option to revolve. There is a turnaround time of 36 hours for approval or denial of a completed application. The uses of proceeds are the same as the standard 7(a) loan.
  • Community Advantage: loan pilot program allows mission-based lenders to assist small businesses in underserved markets with a maximum loan size of $250,000. The uses of proceeds are the same as the standard 7(a) loan.
  • 504: loan programs is designed to foster economic development and job creation and/or retention. The eligible use of proceeds is limited to the acquisition or eligible refinance of fixed assets.
  • Microloan: program involves making loans through nonprofit lending organizations to underserved markets. Authorized use of loan proceeds includes working capital, supplies, machinery & equipment, and fixtures (does not include real estate). The maximum loan amount is $50,000 with the average loan size of $14,000.






virtual learning

Visit our Calendar of Events to check out upcoming webinars and digital events hosted by WDC and local partners. These events range from social media training to learning about local and federal grant opportunities.

Small Business Administration (SBA) March Events

Important tax information 

Restaurants Can Qualify for Big Tax Credit

A new law signed in late December 2020 makes restaurants eligible for an employee retention tax credit, even if they received a PPP loan. Now, for any calendar quarter between March 13 and Dec. 31, 2020, a restaurant with 100 or fewer full-time employees may be able to access ERTC of up to $5,000 per employee.

And, for the first two quarters of 2021, Jan. 1–March 31, and April 1–June 30, restaurants with 500 or fewer full-time employees may be able to access ERTC of up to $7,000 per employee per quarter. Read how it works.


Coronavirus Tax Relief and Economic Impact Payments

IRS is offering tax help for taxpayers, businesses, tax-exempt organizations and others – including health plans – affected by coronavirus (COVID-19). Get the latest updates on Coronavirus Tax Relief.  


Guide to 2020 small business taxes and stimulus relief

Our small business tax pros can help you navigate the tax changes for small businesses affecting 2020 returns and understand what financial aid options might be available to you. Learn More

Other resources

Texas Restaurant Association

The Texas Restaurant Association is committed to providing our members with resources and opportunities to help manage elements within our control.

UPDATED COVID-19 Safe Operating Guidance

America’s SBDC

America’s SBDCs are working to help small businesses address the business challenges of the coronavirus disease 2019 (COVID-19) pandemic.

Google Resources

As communities throughout the world respond to COVID-19 (coronavirus), Google knows that this time presents unique challenges for businesses. Here are some tips and recommendations to help you navigate this for your employees and customers. 

To slow the spread of COVID-19, many employees, educators, and students are working remotely. Google has gathered some free tools and resources to keep you connected and productive. Visit  

Google Cloud announced many previously-paid features of Hangouts Meet will now be free for all G-suite and G-suite for Education customers through July. [Features such as hosting up to 250 people in a call together, ability to record meetings, and live streaming content for up to 100,000 people within the domain]. 


The National Restaurant Association Educational Foundation

The National Restaurant Association launched a new industry grassroots education and engagement resource available online at This new site is a one-stop hub of critical information for restaurants, employees, customers, and industry partners.

In addition to the latest resources on COVID-19 restaurant and employee recovery programs, offers a brand new, industry-first interactive map of each state, District of Columbia, and Puerto Rico. This map links to state-by-state information, tools and updates covering state laws, regulations regarding closures as well as, eventually, re-openings. The map includes the latest state and federal jobs, job loss, and economic data covering the restaurant and foodservice industry.


To set you and your employees in the right direction, start with these resources:

State of Texas

Information for COVID-19 Employers and Jobseekers

San Antonio Workforce Solutions Alamo

Information on COVID-19 for employers and job seekers in San Antonio and surrounding areas

Work in Texas

Employment links to more than 600,000 jobs in Texas

Texas Unemployment Questions Answered

U.S. Department of Labor

Career One Stop Unemployment Benefits Finder
Family and Medical Leave Act Questions and Answers