Skip to content

Business Resources

Small Business covid-19 response (cares Act)

The U.S. Small Business Administration may offer assistance with applying for relief, guidance through available resources, cash flow concerns, supply chain interruptions, workforce capacity, insurance coverage and more. Online here: COVID-19 Resources

COVID-19 resources available at the above link include:

The Small Business Owner’s Guide to the CARES Act – A guide providing information about the major programs and initiatives that will soon be available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of SBA.

SBDC Guide to COVID-19 Loans and Forms – A PDF application guide for EIDL assistance.

COVID-19 Small Business Survival Guide A Small Business Survival Guide to help navigate through the COVID-19 epidemic.

The Economic Injury Disaster Loan will provide an advance of up to $10,000 in economic relief to businesses that are currently experiencing a temporary loss of revenue due to COVID-19. This loan advance will not have to be repaid and recipients do not have to be approved for a loan in order to receive the advance, but the amount of the loan advance will be deducted from their total loan eligibility.

The Economic Injury Disaster Loan is for Small businesses and agricultural businesses with less than 500 employees. Eligible small businesses include sole proprietorships, independent contractors and self-employed persons, private non-profit organizations or 501(c)(19) veterans organizations affected by COVID-19. Eligible agricultural businesses includes businesses engaged in the production of food and fiber, ranching, and raising of livestock, aquaculture, and all other farming and agricultural related industries (as defined by section 18(b) of the Small Business Act (15 U.S.C. 647(b))

Please Note: Applications will continue to be processed on a first-come, first-served basis including those that have already been submitted.

SBA is encouraging all eligible small businesses and agricultural businesses with 500 or fewer employees wishing to apply to begin preparing their business financial information needed for their application. Online application can be found here,

The SBA is offering to automatically pay the principal, interest, and fees of current 7(a), 504, and microloans for a period of six months and automatically pay the principal, interest, and fees of new 7(a), 504, and microloans issued prior to September 27, 2020. Businesses with SBA Serviced Disaster Loans for Home and Business will be provided automatic deferments through Dec. 31, 2020. Interest will still continue to accrue, monthly payment notices will still be mailed out but will reflect that the loan is deferred and no payment is due. This deferment does not cancel out any pre-authorized debits or recurring payments that have been set up. Borrowers will have to stop or cancel these pre-authorized or recurring payments if they do not wish to make these payments at this time. After the automatic deferment period, borrowers will be required to resume making regular principal and interest payments and borrowers that cancelled recurring payments will need to reestablish the recurring payment.

Debt relief is available to small businesses with 7(a), 504, microloans, or SBA Serviced Disaster Loans for Home and Business that were in “regular servicing” status on March 1, 2020.

For more information visit,

SBA Express Lenders are providing expedited SBA-guaranteed bridge loan financing on an emergency basis in amounts up to $25,000 for disaster-related purposes to small businesses who they currently have a business relationship with. Loans can be made up to six months after March 13, 2020 and can be approved through March 13, 2021.

The SBA Express Bridge Loan Pilot Program is available to small businesses that have been impacted by COVID-19 and were in operation on March 13, 2020.

For more information, see:

The SBA is offering low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury due to the Coronavirus (COVID-19).
For additional information, please contact the SBA disaster assistance customer service center. Call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail

3CORE is offering business working capital loans or non-revolving lines of credit in an amount between $10,000 and $100,000, depending on each business’s individual needs. Loan terms are 36 months. 6 months will be interest only and followed by 30 months principal and interest, fully amortized. This means each scheduled payment will be applied to both the interest and the principal loan amount. There is no prepayment penalty, which is a fee that must be paid if you pay off a loan before the end of the loan’s term. These loans and non-revolving lines of credit have a fixed interest rate equal to the current prime interest rate + 1% (Currently 4.25%) and will not change throughout its term. Available to businesses located in Butte, Tehama or Glenn counties that have been affected by a federally declared disaster AND have been in business for a minimum of two years. There is a $50 application fee. This fee is non-fundable but applicants who are approved may have this fee be reimbursed through the loan proceeds.

Please Note:
– All business owners who own 20% or more of the business will personally guarantee the loan. If the loan is made for the benefit of an LLC or Corporation, the LLC or Corporation will also be required to guarantee the loan. – This loan program is not designed to compete with SBA Disaster Loan Programs, but will compliment those programs by filling potential lending gaps.

Applicants must submit a completed application form along with the required documents. The application can be found here,
The list of required documents can be found here The completed application packet can be emailed to Jacqueline Byrne at or mailed to 3CORE, Inc., 2515 Ceanothus Avenue, Suite 105, Chico, CA 95973. Due to current restrictions regarding social distancing, applications will not be accepted in person.
For more information call (530)-893-8732 or visit 3CORE’s website at

guidance for employers

A list, designated by the State Public Health Officer, of ‘Essential Critical Infrastructure Workers’ in accordance with Governor Newsom’s executive order directing all residents to stay at home except as needed to maintain operations of essential critical infrastructure.

Essential Critical Infrastructure Workers Document:

Providing COVID-19 guidance regarding Employer Information. This resource offers insight into available programs and certain situations that may be applicable to individual circumstances. 

Resource is available using the following link:

Offering information on what is currently known about COVID-19 in relation to recommended strategies for employers to implement.

Online here:

Offering guidance to businesses operating in Chico about COVID-19 and answering their questions.
Hours: Email – 24 hours a day, 7 days per week, Phone – M-F: 8am-5pm.


Phone: (530) 896-7299.

Local chambers are publishing business resource information to their websites and social media platforms.

Butte County
Paradise Ridge Chamber of Commerce-
Oroville Chamber of Commerce-
Chico Chamber-
Gridley Area Chamber of

Glenn County
Orland Chamber of Commerce-
Willows Chamber of

Offering an online guide to resources related to COVID-19 for local Chico businesses. Information resources include information about financial resources, such as loans, grants and funding information for small businesses, human resource information such as navigating business responsibilities to employees during COVID-19, legal information such as understanding local ordinances applicable to businesses, and other business resource information.

Available online:

Legal Landscape Page:

Financial Resources Page:

Offering an informational chart to provide guidance to the public about what they should do if they have been exposed to COVID-19. It also provides examples of close contact and how to self-quarantine, self-monitor, physically distance, and where to get tested for COVID-19. The Guidance chart is available to all, but guidance information is specifically for individuals who would like information on when and how to self quarantine and self monitor.

Available online:

tax related business information

The IRS annouces as of today (06/12/2020), they will provide tax relief for certain taxpayers affected by the COVID-19 pandemic involved in new markets tax credit transactions. Taxpayers receiving relief through today’s guidance are community development entities (CDEs) and qualified active low-income community businesses (QALICBs) investing and conducting businesses in low-income communities.

See online:

Offering small business taxpayers a 12-month, interest-free payment plan for up to $50,000 of sales and use tax liability. Qualifying sales and use taxpayers will pay their due tax in 12 equal monthly installments. No interest or penalties will be assessed against the liability. The maximum amount that any taxpayer can defer, interest-free under this relief effort, is $50,000.

Once available, payment plans can be requested through the California Department of Tax and Fee Administration’s online service system at For more information or to receive notification when payment plans become available, visit or call the customer service center at (800)400-7115.