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Financial Assistance & Resources for Businesses

PAGE LAST UPDATED: June 25, 2020

Flexible Business Operation Guidelines for Restaurants and Retail Stores

Now that the County Public Health Officer has relaxed operational restrictions for retail and restaurant businesses and to encourage economic recovery during the COVID-19 pandemic, the City Council has authorized relaxation of the City’s development standards and permit processes to temporarily allow greater allowances for retail and restaurant business operations. These Guidelines will serve as land use allowances until such time as the County Public Health Officer Order is discontinued or the City determines that such operational expansions are no longer warranted.

Flexible Business Operation Guidelines - Downtown Campbell

These guidelines apply to commercial retail and restaurant businesses that wish to expand their operations onto the public sidewalk, within private parking lots, within private common areas, and on private parcels located within Downtown Campbell.  Both retail and restaurant businesses are eligible to take advantage of these allowances to create improved flexibility from any previously established land use entitlement received for the particular business or that which is currently prescribed within the Campbell Municipal Code. 

Outdoor display permits and outdoor dining permits are required to temporarily establish and expand outdoor retail sales and dining space onto city sidewalks. Permit fees will be waived for these temporary expansions. Expansion in front of adjacent tenant spaces and onto adjacent private parking lots, private common areas and private parcels are subject to specific criteria. More information is available in the Flexible Business Operation Guidelines for Downtown Campbell

How to Apply

Contact the Planning Division to get started.


Phone: 408-866-2140

Flexible Business Operation Guidelines - Private Property

These guidelines apply to commercial retail and restaurant businesses located and operated entirely on private property.  Both retail and restaurant businesses are eligible to take advantage of these allowances thereby creating improved flexibility from any previously established land use entitlements received for the particular business. Although these are City-established guidelines, tenants will need property owner permission to implement such allowances. No city permits are required for expansion within private property. More information is available in the Flexible Business Operation Guidelines for Private Property


Expanded Outdoor Restaurant Dining and Retail Sales Quick Reference List

Updated Shelter-in-Place Order Takes Effect June 5 

Beginning June 5, certain additional businesses and activities can resume in compliance with restrictions in the updated shelter-in-place order issued by the public health officer June 1. There are no changes to the social distancing protocol businesses must follow. This new order takes effect at 12:01 AM Friday, June 5 and will remain in effect until the health officer amends or rescinds it.  This new health order replaces the previous shelter-in-place order that took effect on May 22. 

What’s New?

New categories of businesses and activities are allowed to resume, subject to specific conditions and restrictions. Key restrictions will remain in place such as requiring people to stay in their homes except when engaging in certain essential or allowed activities.  The activities and businesses allowed to reopen under the new order are referred to as “Additional Businesses” and “Additional Activities” and are explained in Appendix C-1 and Appendix C-2 respectively. Important changes to the social distancing protocol requirements for all operating businesses are included in the updated Social Distancing Protocol.

Additional Businesses  

  • Outdoor dining at restaurants and other facilities that prepare and serve food, subject to guidelines and social distancing 
  • Retail and shopping centers for in-store shopping, subject to limitations/social distancing 
  • Childcare, summer camps, summer school, and all other educational or recreational programs for all children, in stable groups of up to 12 children 
  • All manufacturing, warehousing, and logistics, subject to limitations/social distancing 
  • House cleaning and other no-contact in-home services 
  • Low contact/no contact service businesses such as shoe repair, watch repair, and other similar services, subject to limitations/social distancing 
  • All pet grooming

"What’s Open?" is a complete list of businesses and activities currently allowed to operate or allowed to operate beginning June 5.

Additional Activities  

  • Outdoor small ceremonies and religious services, in groups no larger than 25 
  • All outdoor recreational activities that do not involve physical contact, with social distancing, including swimming pools, hiking, tennis, golf, etc. 
  • Camping, subject to limitations/social distancing 
  • Drive-in Theaters and other car-based gatherings

Social Distancing Protocol 

  • There are no changes to the Social Distancing Protocol (Appendix A to the Order) 
  • To operate, all businesses must complete a Social Distancing Protocol using the provided template  
  • To show that they are implementing the Social Distancing Protocol to keep their staff and customers safe from COVID-19, all businesses must print and post in a prominent place near the entrance to the businesses:

          1. A "COVID-19 Prepared" Sign (Included in the Social Distancing Protocol)

          2. A Social Distancing Protocol Visitor Information Sheet (Included in the Social Distancing Protocol)

  • All businesses must post signage required in the Social Distancing Protocol to educate customers about health and safety requirements. Sign templates are available from the County Public Health Department.  

Construction Project Safety Protocols

The Construction Project Safety Protocol in Appendix B-1 and B-2 have changed as follows: 

  • The threshold for an essential infrastructure project subject to the Large Construction Project Safety Protocol has changed from five workers to 20 workers. All essential infrastructure projects with less than 20 workers present at the job site at any one time are now subject to the Small Construction Project Safety Protocol in Appendix B-1.
  • Appendix B-1 now specifies that specified steps must be taken if a worker at a construction site tests positive for COVID-19, and both appendices now state that COVID-19 cases associated with construction must be immediately reported to the County Public Health Department by both telephone and by email.


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SBA Loans Update

COVID-19 Recovery Information in Other Languages

The SBA is providing materials in other languages to help business owners with recovery efforts. Visit SBA.Gov for details.

Paycheck Protection Program Loan Forgiveness Application

On May 15, the Small Business Administration and U.S. Treasury Department released the Paycheck Protection Program (PPP) Loan Forgiveness Application. The form and its instructions inform borrowers how to apply for forgiveness of their PPP loans, consistent with the CARES Act.  SBA will also soon issue regulations and guidance to further assist borrowers as they complete their applications, and to provide lenders with guidance on their responsibilities. The form and instructions include several ways to reduce compliance burdens and simplify the process for borrowers. Visit SBA.Gov for details and access the application.

SBA Resumes Acceptance of Paycheck Protection Program Loan Applications

On April 27, the Small Business Administration resumed accepting applications for Paycheck Protection Program (PPP) loans. The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on payroll. SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. More details about the PPP loan program are available at SBA.Gov. You can also contact your lender for details.

As for Economic Injury Disaster Loans (EIDL) and EIDL loan advances, SBA is unable to accept new applications at this time as federal funding is not available. Applicants who have already submitted their applications will continue to be processed on a first-come, first-served basis. More information is available from the SBA’s website. You can also contact your lender.

For PPP loans, 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. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. Consult with your local lender as to whether it is participating in the program. Find local lenders with the SBA’s Eligible Lender Map Tool to get started. Apply online and check application status on the SBA Loan Application Portal. The Small Business Development Center of Silicon Valley can assist with applying for loans at no cost. 

Paycheck Protection Program (PPP) Loan Resources

Other Small Business Relief Options Provided by the SBA

Debt Relief

As part of our coronavirus debt relief efforts, the SBA will pay 6 months of principal, interest, and any associated fees that borrowers owe for all current 7(a), 504, and microloans in regular servicing status as well as new 7(a), 504, and microloans disbursed prior to September 27, 2020. This relief is not available for Paycheck Protection Program (PPP) loans or Economic Injury Disaster loans (EIDL). Borrowers do not need to apply for this assistance. It will be automatically provided based on specific criteria. Visit SBA.Gov for more information. You can also contact your lender for details.

Express Bridge Loan

The Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loan or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan. More information is available from SBA.Gov. The Small Business Development Center of Silicon Valley can assist with applying for loans at no cost. You can also contact your lender for details.

Contact Information

For updates on SBA loan information or if you have specific questions, contact the SBA’s District Office in San Francisco:    

You can also contact the Small Business Development Center of Silicon Valley for assistance:

Phone: 408-385-9800

More information about local SBA partners is available by clicking the Local Resources tab below.

Alternatives to SBA Loans

For alternative options to SBA loans, click the "Grants" tab below to learn about small business grants and no-interest and low-interest loan opportunities.

Coronavirus Aid, Relief and Economic Security Act (CARES)

Phase III of the federal government’s financial response to COVID-19, the Coronavirus Aid, Relief and Economic Security Act (CARES) provides $2 trillion allocated for businesses, individuals, federal agencies, and state and local governments. The CARES Act has been designed to distribute capital quickly and broadly. There are a number of provisions that impact small businesses. Visit the SBA’s Small Business Guidance & Loan Resources for a full list of financial assistance options. Specific assistance programs are summarized below. Access the Small Business Owner’s Guide to the CARES Act from the Small Business Development Center. 

Silicon Valley Community Foundation Small Business Relief Fund 

Hosted by Silicon Valley Community Foundation, the Small Business Relief Fund will provide immediate support to struggling self-employed and small business owners. SVCF will partner with Opportunity Fund, California’s largest nonprofit micro-lender, to ensure critical capital remains available to these entities throughout this crisis. More information about the Small Business Relief Fund is available from the Silicon Valley community Foundation.

Opportunity Fund

Opportunity Fund offers simple and affordable loans for business owners who may not qualify for traditional financing. Provide loans to under-served small business owners, including minority and women-owned businesses in low-income communities. Applicants may qualify for between $2,600 to $250,000, depending on the type of loan. Micro loans, which are typically $50,000 or less, may also be available. Loan terms range from 12 to 60 months.

Loans can be used for working capital, equipment purchases, tenant improvements, commercial vehicle purchases (excluding ride share cars), debt refinancing (such as merchant cash advances and tax liens), opening a new location, purchasing another business, and more. Call a loan consultant at 866-299-8173 or visit for more information.


Michael Thomas, Economic Development Specialist

Phone: 408-866-2192  Email: