The City of Lancaster recognizes the impact COVID-19 will have on local businesses and our regional economy. Here, we have compiled resources to assist you during closures mandated by Los Angeles County and ultimately for recovery. Please check back often for updates as new resources become available.
Special thanks to the City of Los Angeles for the source material for this toolkit.
Business Loans & Financial Assistance
On March 24th, the Lancaster City Council directed the issuance of up to $2,000,000 in loan funds to aid small businesses in Lancaster through the Stand Strong Business Recovery Loan Program. Qualifying businesses may apply for no- and low-interest loans of $5,000 - $20,000.
For more information and to apply, click here.
U.S. Small Business Administration (SBA)
Paycheck Protection Program
The federal government's Coronavirus Aid, Relief, and Economic Security (CARES) Act includes an allocation of $350 billion to aid small businesses. Known as the Paycheck Protection Program, this initiative will provide federally guaranteed loans to qualifying small businesses through the Small Business Administration, which can be forgiven if certain criteria are met.
Applications will be available as follows:
- Friday, April 3: Small Businesses and Sole Proprietorships
- Friday, April 10: Self-Employed and Independent Contractors
Businesses are encouraged to apply as soon as possible, as there is a funding cap. You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System Institution that is participating. Contact your lender or banking institution to find out if they participate.
Economic Injury Disaster Loan & Loan Advance
The U.S. Small Business Administration (SBA) is offering low-interest federal disaster loans for working capital to California small businesses suffering substantial economic injury as a result of the novel coronavirus (COVID-19). The CARES Act provided for a $10,000 cash advance to be awarded within 3 days of a successful application, which does not have to be repaid.
- Apply online, receive additional information, and download applications at disasterloan.sba.gov/ela.
- For more information, call (800) 659-2955 or email firstname.lastname@example.org.
- Individuals who are deaf or hard-of-hearing may call (800) 877-8339.
- For information about available SBA resources and services, visit: SBA.gov/coronavirus.
State of California
Infrastructure and Economic Development Bank (IBank)
IBank offers loan programs for businesses affected by disasters in California. IBank, a unit within California Governor’s Office of Business and Economic Development (GO-Biz), offers the following loan programs for businesses from one to 750 employees (small businesses) through its Small Business Finance Center:
- Disaster Relief Loan Guarantee Program: Loan guarantees up to 95% of the loan to help small business borrowers impacted by disasters who need term loans or lines of credit for working capital.
- Jump Start Loan Program: Loans from $500 to $10,000 to low-wealth entrepreneurs in the declared disaster and emergency areas.
California Capital Access Program (CalCAP)
CalCAP encourages banks and other financial institutions to make loans to small businesses that have difficulty obtaining financing. CalCAP is a form of loan portfolio insurance which may provide up to 100% coverage on certain loan defaults. Loan proceeds can be utilized for a variety of purposes, including inventory purchases and working capital. Click here for more information.
Loans under this program are also eligible for a Severely Affected Community (SAC) Contribution.
Jewish Free Loan Association
The Jewish Free Loan Association offers no-fee, interest-free loans to a variety of borrowers in Los Angeles and Ventura Counties. Loan recipients must have a guarantor. For more information, visit jfla.org.
Employee Financial Assistance
- State of California One-Stop Portal for Assistance & Job Opportunities
- Sick or Quarantined - File a disability insurance claim if you are unable to work due to medical quarantine or illness related to COVID-19.
- Caregiving - File a paid family leave claim if unable to work because caring for ill or quarantined family member. Up to six weeks of benefits, processed and issued in a few weeks.
- School Closures - You may be eligible for unemployment insurance if school is closed and you have no other care options and if you are unable to work your normal hours remotely.
- Reduced Work Hours - If employer reduces hours or shuts down, file an unemployment insurance claim to prove partial replacement benefit.
- Self Employed - Available benefits through insurance programs; to be eligible, you and your employer must have made contributions in the past five to ten months. Please note that self-employed individuals and independent contractors are eligible to apply for benefits under new program guidelines.
Employer & Employee Resources
- America's Job Center of California - Rapid Response Program
- Coronavirus (COVID-19): Small Business Guidance & Loan Resources through SBA
- Employer & Employee Resources
- CISA: Risk Management for COVID-19
A number of government entities and utilities have put policies in place to help mitigate the impact of COVID-19. Click below to learn more.
- City of Lancaster Eviction Moratorium and Emergency Ordinances
- SoCal Gas Suspension of Service Disconnections
- Southern California Edison Suspension of Service Disconnections
- Federal Tax Day Delayed to July 15th
- State of California Tax Day Delayed to July 15th for Taxpayers Affected by COVID-19
- State of California Tax, Regulatory and Licensing Extensions for Businesses
Register Your Restaurant
The City of Lancaster will be promoting restaurants who are continuing to provide delivery and takeout services during COVID-19. Sign up here!
Sign Up for Delivery Services
Get Help Navigating Available Resources
Are you lost among the resources available from different agencies? Would you like assistance determining which programs are the best fit for your business? The Small Business Development Center is actively operating and stands ready to help you with navigating disaster assistance resources and business sustainability. Free, personalized assistance is being offered via phone and Zoom Video, and you can also participate in a wide range of webinars. Call (661) 362-5900 or visit cocsbdc.org to set up your appointment.
Businesses within the City of Lancaster are subject to the requirements put in place by Los Angeles County and the State of California. For more information on these requirements, mandated closures, and businesses identified as critical infrastructure that are not affected by the closures, please visit the following websites:
- State of California
- Los Angeles County/City of Los Angeles
A number of banks are providing assistance to individuals and businesses facing hardship due to COVID-19:
Preparing Your Business for COVID-19
- 8 Things Your Small Business Needs to Do
- Interim Guidance for Businesses and Employers
- Information for Communities, Schools, and Businesses
- Environmental Cleaning and Disinfection Recommendations - Community Facilities
- DOL: Guidance for Preparing Workplaces for Coronavirus
- DOL: OHSA Resources for Workers and Employers on COVID-19
- WHO: Get Your Workplace Ready for COVID-19
- EPA: Disinfectants for Use Against COVID-19