Photo by Ian Espinosa 

This is a hard time. Many are doing what they never thought they would have to do: close down. At Sabarwal Law, we understand the pressures of incoming payments, rents, and loans that you took out as an entrepreneur. To that end, we are listing numerous resources that can support you in this unprecedented time.

U.S. Small Business Administration (SBA) SBA DISASTER LOAN ● Low-interest federal disaster loans for working capital to California small businesses suffering substantial economic injury ● Up to $2M; Eligibility based on impact ● Interest rate is 3.75% for small businesses and 2.75% for private non-profit organizations ● https://disasterloan.sba.gov/ela ● Phone: 800-659-2955 (TTY/TDD: 1-800-877-8339) ● Email: disastercustomerservice@sba.gov 

California Infrastructure and Economic Development Bank (IBANK) IBANK A unit within California Governor’s Office of Business and Economic Development (GO-Biz), that offers the following loan programs for businesses from one to 750 employees (small businesses): ● https://www.ibank.ca.gov/small-business-finance-center/

 DISASTER RELIEF LOAN GUARANTEE PROGRAM (DRLGP) ● For declared disaster areas to help lenders and small businesses by providing loan guarantees of up to $1 million JUMP START LOAN PROGRAM ● Loans from $500 to $10,000 to low-wealth entrepreneurs in the declared disaster and emergency areas California State Treasurer Office CALIFORNIA CAPITAL ACCESS PROGRAM (CalCAP) ● Designed to provide up to 100% coverage on certain loan defaults ● https://www.treasurer.ca.gov/cpcfa/calcap/sb/index.asp 

California Franchise Tax Board & Department of Tax and Fee Administration TAX RELIEF ● California Franchise Tax Board ● Various tax file and pay deadlines extended to July 15, 2020 https://www.ftb.ca.gov/about-ftb/newsroom/covid-19/index.html?WT.ac=CO VID-19 ● California Department of Tax and Fee Administration ● Request for a 60-day extension to file state payroll reports and/or deposit state payroll taxes without penalty or interest ● https://www.cdtfa.ca.gov/services/covid19.htm 

1 California Employment Development Department (EDD) DISABILITY INSURANCE ● For sick or quarantined ● Request a claim for short-term benefit payments ● Benefit amounts are approx. 60-70% of wages (depending on income) and range from $50-$1,300 a week ● https://edd.ca.gov/Disability/How_to_File_a_DI_Claim_in_SDI_Online.htm 

PAID FAMILY LEAVE ● For caregivers ● Request for a claim for up to six weeks of benefit payments ● Benefit amounts are approx. 60-70% (depending on income) and range from $50-$1,300 a week ● https://edd.ca.gov/Disability/How_to_File_a_PFL_Claim_in_SDI_Online.ht 

UNEMPLOYMENT INSURANCE (UI) CLAIM ● For school closures or reduced hours ● UI provides partial wage replacement benefit payments to workers who lose their job or have their hours reduced, through no fault of their own ● https://edd.ca.gov/Unemployment/Filing_a_Claim.htm 

DISABILITY INSURANCE ELECTIVE COVERAGE ● For self employed ● To be eligible, either you or an employer had to make contributions in the past 5 to 18 months ● https://edd.ca.gov/disability/Self-Employed.htm 

Facebook Small Business Grants Program ● Cash grants and ad credits for up to 30,000 eligible small businesses ● https://www.facebook.com/business/boost/grants 

ADDITIONAL RESOURCES California Labor and Workforce Development Agency Guidance for California Employer and Workforce ● https://www.labor.ca.gov/coronavirus2019/ 

Centers for Disease Control & Prevention Workplace Health & Safety ● Information on interim planning and responding ● https://www.cdc.gov/coronavirus/2019-ncov/community/guidance-business -response.html?

Cal/OSHA Guidance on COVID-19 Workplace Health & Safety ● Information on protecting workers ● https://www.dir.ca.gov/dosh/coronavirus/Health-Care-General-Industry.htm 

California Employment Development Department (EDD) Rapid Response Services ● Teams to provide early intervention assistance to help avert potential layoffs, and immediate on-site services to assist workers facing job losses ● https://edd.ca.gov/pdf_pub_ctr/de8714rrb.pdf 

California Labor Commissioner’s Office FAQs regarding employee leave options, compensation, and salary ● https://www.dir.ca.gov/dlse/2019-Novel-Coronavirus.htm 

California Department of Public Health COVID 19 Updates ● https://www.dir.ca.gov/dlse/2019-Novel-Coronavirus.htm 3

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