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Financial Assistance & Resources for Businesses

PAGE LAST UPDATED: September 21, 2020

Businesses Allowed to Operate in Santa Clara County under Tier 2

The County of Santa Clara released the following information regarding its move to Tier 2 under the State's Blueprint for a Safer Economy:

On August 28th, 2020, the State of California released its Blueprint for a Safer Economy (“Blueprint”), which created a tiered system of COVID-19 restrictions that all counties in California must follow. Santa Clara County is currently in Tier Two (Red) and will stay there until the State moves Santa Clara County into Tier Three (Orange) or back into Tier One (Purple). The most restrictive rules apply to Tier One, and the least restrictive rules apply to Tier Four.

As long as Santa Clara County is in Tier Two, all Tier Two restrictions will apply. As always, Santa Clara County residents and businesses must follow both the State and County Health Officer Orders, and where there is a conflict between the two, the stricter Order must be followed.

Tier Two restrictions are different from Tier One restrictions (which were previously in place) in the following ways:

  • All personal care services businesses may now operate indoors, except for specific services (like facials and face makeup application) that are still not allowed indoors because they require removal of a face covering and are too risky.
  • Indoor shopping malls may increase their capacity limit from 25% to 50% of normal capacity(or to the capacity allowed by the County’s Risk Reduction Order, whichever is stricter).  Common areas must remain closed.  Note that the County’s Risk Reduction Order does not allow food courts to open any indoor dining areas.
  • Retail businesses may increase their capacity limit from 25% to 50% of normal capacity (or to the capacity allowed by the County’s Risk Reduction Order, whichever is stricter).
  • Libraries may increase their capacity limit from 25% to 50% of normal capacity (or to the capacity allowed by the County’s Risk Reduction Order, whichever is stricter).
  • Gyms and fitness centers may now operate indoors, but they must limit capacity to 10% of normal (or to the capacity allowed by the County’s Risk Reduction Order, whichever is stricter).  This applies also to indoor sports and dance facilities (e.g., gymnastics, martial arts, fencing, and Zumba facilities). 
  • Museums and zoos may now operate indoors, but they must limit capacity to 25% of normal (or to the capacity allowed by the County’s Risk Reduction Order, whichever is stricter).

See the following charts for further information on what is allowed indoors and outdoors in Santa Clara County:

 More information is available of the the State’s website

Businesses allowed to operate outdoors by State and  County Health Orders may do so if business activities can be modified to operate outdoors. To operate outdoors, businesses must comply with California State Industry Guidance, the County of Santa Clara Health Order and Mandatory Directives, the professional standards issued by State Licensing Boards and Bureaus.


  1. General Requirements
  2. Social Distancing Protocol
  3. Signage
  4. Face Coverings
  5. Density Limitations
  6. Mandatory Directives
  • The Order urges County residents to reduce the risk of COVID-19 transmission by staying home as much as possible and minimizing trips and activities outside the home. 
  • Individuals over the age of 70 and those with serious underlying medical conditions should stay home other than for essential needs. 
  • The Order requires all individuals to strictly follow social distancing requirements when outside their home, and generally prohibits all activities that don’t allow for social distancing


All businesses must continue to require workers to do their jobs from home whenever possible. Workers can go into work only to complete the job duties they can’t complete from home.

Positive Case Reporting

All businesses (and governmental entities) are legally required to report to the Public Health Department within 4 hours if they learn that any of their workers are confirmed to be positive for COVID-19. They must also ensure workers alert them if they test positive.

Flexible Business Operation Guidelines for All Permitted Businesses

Now that the County Public Health Officer has relaxed operational restrictions for business allowed to operate under State and County Health Orders including retail, restaurant businesses and general business operations 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 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.

Operations on Public Sidewalks - Downtown Campbell

All permitted businesses in the Downtown area are eligible to expand business operations onto public sidewalks provided that enough space can accommodate outdoor business operations and provide access for pedestrians and people with disabilities. Outdoor business activity may be located beyond the applicant’s occupied tenant space and in front of an adjacent tenant space upon the written approval of that tenant. An Outdoor Display (includes all business services) or Outdoor Dining Permit will be required for the creation of or expansion to an existing display/dining area. The application processing fees will be waived. Contact the Community Development Department at to get started. See the Flexible Business Operation Guidelines for more details.

How to Apply

Contact the Planning Division to get started.


Phone: 408-866-2140

Operations on Private Property - Downtown Campbell

All permitted businesses may expand their operations within private parking lots and private common areas adjacent to their business locations. While no permits are required for outdoor business operations within private parking lots and private common areas, written approval from property owners is required for use of private property. See the Flexible Business Operation Guidelines for more details.

Flexible Business Operation Guidelines - Private Property Beyond Downtown Campbell

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

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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

The Small Business Administration stopped accepting Paycheck Protection Program applications August 8, 2020. Visit SBA.Gov for other available funding options.

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: