COVID 19 Recovery & assistance

WDC Survey

You spoke and we listened! One thing we’ve heard from several of you is this: As a small business, how do we keep up with all the changes and developments, as a result of the COVID-19? To help you, we have compiled this week’s list of best resources, information and relevant tips to help you navigate during this challenging time. As our team continues to work collaboratively with economic development partners, community leaders and others. As we prepare to be at the table, we want to be sure we are sharing the impacts felt by employers in real time. What’s the impact to your business? Financial or otherwise. What do elected leaders need to know right now?



Important Update 

From The San Antonio Hispanic Chamber of Commerce

It’s hard to believe we are halfway through 2020.  A year ago, we would have never believed the changes and uncertainty that have taken place in our City, our businesses, our nation, and to all of us individually in such a short amount of time. One thing I am certain about, however, is our shared resiliency and determination to weather this storm.

As you know, we at the SAHCC will continue to do all we can to ease this uncertainty through our support and advocacy. In this light, we want to inform you that the deadline to apply for the Paycheck Protection Program (PPP) is around the corner—it is next Tuesday, June 30th.  Right now there is still over $100 Billion in funding available.  We highly recommend and encourage you to apply if you haven’t already.  Reach out to your existing bank, community lender or other financial institution you currently do business with. If you have questions, call or email us. We’ll ensure you get answers.

New legislation allows more spending flexibility and lessens loan forgiveness requirements. Our friends at the United States Hispanic Chamber of Commerce have created this helpful guide regarding the PPP Flexibility Act.  We have links to useful information below including finding an eligible PPP lender below.

We know the last few months haven’t been easy but as always, we are here to help.

The deadline to apply for a loan through the Paycheck Protection Program (PPP) is June 30. Self-employed and small businesses with less than 500 employees that were open and in operation by February 15, 2020 are eligible to apply. Applications can be made through your existing bank, a community lender, or your local Community Development Financial Institution (CDFI).

Find a Lender 
USHCC PPP Information Deck 
PPP Application in English 
PPP Application in Spanish 

The Coronavirus Aid, Relief and Economic Security Act,
CARES Act for Small Businesses

The CARES Act tasks the Small Business Administration with overseeing the distribution of millions of dollars in loans and grants to help small businesses survive the pandemic. It also provides additional funding for SBA’s Resource Partners to provide advice and training to help small businesses respond to the unprecedented challenges in communities throughout the country. 

$275 Million for SBA’s Resource Partners and the Minority Business Development Agency to provide vital mentorship, guidance, and expertise to small business owners and entrepreneurs impacted by COVID-19. 

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.  


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.

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

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

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.


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).


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.

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.

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, “ 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:


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


  • 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:



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  

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].