COVID-19 Recovery & assistance

Westside

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.

CALL US TODAY!

210-598-8482

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. 

Uber Eats – Restaurant Grant Program

 Now accepting applications! Applications must be submitted by Sunday, February 28 at 11:59PM ET. 

 All applicants are encouraged to review LISC’s grant information and FAQ prior to applying.  Guía de aplicación en Español.

 The Restaurant Grant Program is part of Uber’s Eat Local Support Effort that will provide $20+ million in support commitments over the next six months to show up for restaurants as the pandemic continues to shake the industry. As part of this program, LISC will administer the $4.5 million Restaurant Grant Program that will help Uber Eats and Postmates restaurant partners in the U.S. get through the economic crisis caused by to COVID19. 

 This partnership will address a critical need in local communities and bring resources to areas hardest hit by the COVID-19 pandemic. It will also encourage support for small restaurants that are most likely to experience a partial or uneven recovery. 

 Who is eligible to apply? 

The Uber Eats Restaurant Grant Program will support restaurants active on Uber Eats or Postmates as of January 1, 2021, in any U.S. city with financial challenges related to the pandemic. See below for detailed eligibility criteria: 

  • Must be a restaurant or restaurant group, not affiliated with a national brand, with fewer than 5 locations. 
  • Must be an active Uber Eats or Postmates restaurant partner as of January 1, 2021. 
  • Must have a maximum of 50 employees per location. 
  • Must have annual gross revenues in 2019 of less than $3 million per location. 
  • Must be a registered business entity in the United States. 
  • This applicant must be a business owner who is authorized to legally bind the business to the grant program. 
  • Cannot have received a grant from Uber, or have been in process of receiving an Uber grant, within the past 12 months. This includes the Black Businesses Matter Matching Fund launched by Uber on January 29, 2021.
  • Potential recipients are subject to verification of eligibility, including a background check and associated documentation.

 

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

 

 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 sba.gov/coronavirusrelief 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. 

All communications from SBA will be sent from an official government email with an @sba.gov ending. Please do not send sensitive information via email to any address that does not end in @sba.gov.

Learn More

Read FAQ’s

EIDL Advance Response Letter

ALWAYS BEWARE!  Bad actors are using government logos in phishing emails in an attempt to steal account information. Email image links lead to websites impersonating federal agencies. Any email from the U.S. Small Business Administration (SBA) will come from accounts ending in sba.gov.  Learn more

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

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Webinars and digital events

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.

paycheck protection program

The Paycheck Protection Program (PPP) provides loans to help businesses keep their workforce employed during the Coronavirus (COVID-19) crisis. SBA is currently offering:

To promote access for smaller lenders and their customers, SBA is currently only accepting loan applications from participating community financial institutions (CFIs). Lender Match can help you find a participating CFI.

SBA also offers additional Coronavirus relief.

Video: “Sustaining San Antonio’s Economy: The CARES Act and Future Legislation Overview”

Paycheck Protection Program

What is the Paycheck Protection Program (PPP)? A new $350 billion loan program at SBA for small businesses, self-employed, and gig workers to help them from going under due to the COVID-19 pandemic. If employers maintain payroll, the loans would be forgiven.

Who is Eligible?

  • Any business concern, nonprofit organization, veteran’s organization, or Tribal business concern that employs no more than 500 employees (or the size standard in number of employees established by the Administration for the industry in which such business operates)
  • Sole proprietors
  • Independent contractors
  • Self-employed individuals

How Does the Process Work?

All current 7(a) lenders are eligible lenders. Plus, the Department of Treasury will authorize new lenders to help expedite the processing and delivery of capital to small businesses.

How Much?

The size of the loan is 250% of an employer’s average monthly pay-roll cost during the period Feb. 15, 2019 to June 30, 2019 , capped at $10 million.

How Can I Use It?

  • Employee compensation, including: salaries, wages, commissions, or similar compensation; cash tips or equivalents; vacation, parental, family, medical, or sick leave; payment required for providing group health care benefits (including insurance premiums); payment of retirement benefits; and payroll taxes.
  • Any compensation or income of a sole proprietor or independent contractor no greater than $100,000 in one year
  • Payment of interest on mortgage obligations, rent, utilities, and interest on pre-existing debt obligations

Why a PPP Loan?

  • Employee compensation, including: salaries, wages, commissions, or similar compensation; cash tips or equivalents; vacation, parental, family, medical, or sick leave; payment required for providing group health care benefits (including insurance premiums); payment of retirement benefits; and payroll taxes
  • Any compensation or income of a sole proprietor or independent contractor no greater than $100,000 in one year
  • Payment of interest on mortgage obligations, rent, utilities, and interest on pre-existing debt obligations.

How Can I Apply?

Interested borrowers are also encouraged to inquire with a local 7(a) lender regarding whether they are participating in the PPP.

EIDL Grants

What is an Economic Injury Disaster Loan (EIDL)? A low-interest, fixed rate loan that can provide up to $2 million in assistance for small businesses that can be used to pay immediate expenses during an emergency.

What is an EIDL Grant?

The CARES Act creates a new $10 billion grant program, leveraging SBA’ s Office of Disaster Assistance Infrastructure, to provide small businesses with quick, much-needed capital.

 Who is Eligible?

  • Private nonprofit organizations, small agricultural cooperatives
  • Private nonprofit organizations, small agricultural cooperatives
  • Businesses; cooperatives; ESOPs; and tribal business concerns with 500 or fewer employees
  • Independent contractors
  • Sole proprietors (whether or not self-employed) 

How does the process work?

  •  Eligible applicants who apply for an EIDL may request  up to $10,000 be immediately disbursed. The amount need not be repaid, regardless of the loan decision.
  • Eligible applicants who apply for an EIDL may request  up to $10,000 be immediately disbursed. The amount need not be repaid, regardless of the loan decision.
  • EIDL borrowers may apply for the Paycheck Protection Program, but when determining loan forgiveness, the advance EIDL grant is taken into consideration.

How long will the process take?

The legislation requires SBA to disburse the funds within three days of receiving the application.

How Can it be Used?

  • Any allowable purpose under the EIDL program
  • Any allowable purpose under the EIDL program
  • Provide paid sick leave, maintain payroll, and meet increased costs
  • Make rent or mortgage payments, and repaying unmet obligations.

How can I apply?

There are a couple of ways to apply. The SBA has an online portal where small businesses can upload documents and apply for a loan, or they can download the PDF on the agency’s website and mail the forms.  

Additional FAQs regarding Economic Injury Disaster Loan (EIDL) as it relates to PPP: 

1. Question: SBA will deduct the amount of any Economic Injury Disaster Loan (EIDL) advance received by a PPP borrower from the forgiveness amount remitted to the lender. How will a lender know the amount of the EIDL advance that will be automatically deducted by SBA?

Answer: If a borrower received an EIDL advance, SBA is required to reduce the borrower’s loan forgiveness amount by the amount of the EIDL advance. SBA will deduct the amount of the EIDL advance from the forgiveness amount remitted by SBA to the lender. The lender will be able to confirm the amount of the EIDL advance that will be automatically deducted by SBA from the forgiveness payment by reviewing the borrower’s EIDL advance information in the PPP Forgiveness Platform.

2. Question: How should a lender handle any remaining balance due on a PPP loan after SBA remits the forgiveness amount to the lender?

Answer: If a PPP loan is not forgiven in full (including if there has been a reduction in the forgiveness amount for an EIDL advance), any remaining balance due on the PPP loan must be repaid by the borrower. The lender is responsible for notifying the borrower of the loan forgiveness amount remitted by SBA and the date on which the borrower’s first loan payment is due. The lender must continue to service the loan. The borrower must repay the remaining loan balance by the maturity date of the PPP loan (either two or five years). If a borrower is determined to have been ineligible for a PPP loan for any reason, SBA may seek repayment of the outstanding PPP loan balance or pursue other available remedies.

3. Question: What should a lender do if a borrower received an EIDL advance in excess of the amount of its PPP loan?

Answer: A borrower that received an EIDL advance in excess of the amount of its PPP loan will not receive any forgiveness on the PPP loan, because the amount of an EIDL advance is deducted from the PPP loan forgiveness amount. The lender is responsible for notifying the borrower of the date on which the borrower’s first loan payment is due. The lender must continue to service the loan. The borrower must repay the remaining loan balance by the maturity date of the PPP loan (either two or five years). If a borrower is determined to have been ineligible for a PPP loan for any reason, SBA may seek repayment of the outstanding PPP loan balance or pursue other available remedies.”

ADDITIONAL ACCESS TO CAPITAL FROM SBA

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: https://www.sba.gov/funding-programs/loans.

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.

San Antonio Area Foundation COVID-19 Response Fund for Non-Profits

The San Antonio Area Foundation is here to help. The COVID-19 Response Fund was created by the Area Foundation, and multiple partners, including the United Way of San Antonio and Bexar County.

Other Programs

Texas Restaurant Association

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

https://txrestaurant.org/news/coronavirus-guidance-resources

UPDATED COVID-19 Safe Operating Guidance

https://go.restaurant.org/covid19-reopening-guide?utm_source=mkto&utm_medium=email&utm_campaign=industry-update&utm_content=newsletter

America’s SBDC

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

https://americassbdc.org/coronavirus-information/

Google Resources

Resources to help your small business manage through uncertainty
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. Google commits $800M+ in COVID-19 response efforts.

https://www.blog.google/inside-google/company-announcements/commitment-support-small-businesses-and-crisis-response-covid-19/

 

Families First Coronavirus Response Act: Questions and Answers

Yesterday, the U.S. Department of Labor published another round of guidance to its growing questions and answers list, which includes additional information on the small business hardship exemption (questions 58 and 59).

https://www.dol.gov/agencies/whd/pandemic/ffcra-questions

 

The National Restaurant Association Educational Foundation

The foundation has created a Restaurant Employee Relief Fund to support U.S. restaurant workers financially impacted by the coronavirus crisis.
Beginning April 2, restaurant employees can apply online at RERF.US to receive a one-time, $500 check for use towards housing, transportation, utilities, childcare, groceries, medical bills and/or student loans. The NRAEF will administer the grants, offered on a first-come, first-served basis.

https://rerf.us/

The National Restaurant Association launched a new industry grassroots education and engagement resource available online at RestaurantsAct.com. 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, RestaurantsAct.com 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.

The site also provides a direct connection to the industry’s grassroots engagement platform. Since the COVID-19 crisis began, the Association has coordinated more than 400,000 emails to Congress from restaurants, employees, consumers and industry supporters—all speaking out about the need for swift and strong federal relief and recovery programs.

“Restaurants, employees, consumers, and our industry partners have turned out in record numbers to contact Congress in support of restaurants and their employees,” Executive Vice President of Public Affairs Sean Kennedy said.

He added, “RestaurantsAct.com provides a home page for all industry stakeholders to obtain the latest information on their state, as well as at the federal level, and also a dedicated platform to share with Congress how important restaurants and employers are as community cornerstones.”

Available Webinars On-Demand:

LOCAL SMALL BUSINESS ADMINISTRATION (SBA) RESOURCE PARTNERS

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

State of Texas

Information for COVID-19 Employers and Jobseekers
https://www.twc.texas.gov/jobseekers/unemployment-benefits-services

San Antonio Workforce Solutions Alamo

Information on COVID-19 for employers and job seekers in San Antonio and surrounding areas
https://www.workforcesolutionsalamo.org/
https://www.facebook.com/pg/WSASanAntonio/posts/?ref=page_internal

Work in Texas

Employment links to more than 600,000 jobs in Texas
www.workintexas.com

Texas Unemployment Questions Answered

https://www.wfaa.com/article/money/business/right-on-the-money/right-on-the-money-your-texas-unemployment-questions-answered/287-d0b40fcb-5f95-4ae9-92c8-b8456d8132c3

U.S. Department of Labor

Career One Stop Unemployment Benefits Finder
https://www.careeronestop.org/LocalHelp/UnemploymentBenefits/find-unemployment-benefits.aspx?newsearch=true
 
Family and Medical Leave Act Questions and Answers
https://www.dol.gov/agencies/whd/fmla/pandemic

COMMON ISSUES YOU MAY ENCOUNTER AS A SMALL BUSINESS AND WHAT TO DO

  • Access to Capital– Incidents can strain a small business’s financial capacity to make payroll, maintain inventory and respond to market fluctuations (both sudden drops and surges in demand). Businesses should prepare by exploring and testing their capital access options so they have what they need when they need it. (Scroll down to see information regarding access to capital from the Small Business Administration)
  • Workforce Capacity– Incidents have just as much impact on your workers as they do your clientele. It’s critical to ensure they have the ability to fulfill their duties while protected.
  • Inventory and Supply Chain Shortfalls– While the possibility could be remote, it is a prudent preparedness measure to ensure you have either adequate supplies of inventory for a sustained period and/or diversify your distributor sources in the event one supplier cannot meet an order request.
  • Facility Remediation/Clean-up Costs– Depending on the incident, there may be a need to enhance the protection of customers and staff by increasing the frequency and intensity by which your business conducts cleaning of surfaces frequently touched by occupants and visitors. Check your maintenance contracts and supplies of cleaning materials to ensure they can meet increases in demand.
  • Insurance Coverage Issues– Many businesses have business interruption insurance; Now is the time to contact your insurance agent to review your policy to understand precisely what you are and are not covered for in the event of an extended incident.
  • Changing Market Demand– Depending on the incident, there may be access controls or movement restrictions established which can impede your customers from reaching your business. Additionally, there may be public concerns about public exposure to an incident and they may decide not togo to your business out of concern of exposing themselves to greater risk. SBA’s Resources Partners and District Offices have trained experts who can help you craft a plan specific to your situation to help navigate any rapid changes in demand.
  • Marketing– It’s critical to communicate openly with your customers about the status of your operations, what protective measures you’ve implemented, and how they (as customers) will be protected when they visit your business. Promotions may also help incentivize customers who may be reluctant to patronize your business.
  • Plan– As a business, bring your staff together and prepare a plan for what you will do if the incident worsens or improves. It’s also helpful to conduct a tabletop exercise to simulate potential scenarios and how your business management and staff might respond to the hypothetical scenario in the exercise. For examples of tabletop exercises, visit FEMA’s website at: https://www.fema.gov/emergency-planning-exercises

 

WORKING REMOTELY?

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 grow.google/remotework/  

Earlier this month, 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].