Small Business Loan Information

Small Business Disaster Loans

During the COVID-19 pandemic, small businesses in Santa Clara County are eligible for disaster loans.

The online portal is the best place to apply for small business loans.

  • The disaster loans are for a maximum amount of $2 million at 3.75% interest (2.75% for non-profits) and up to 30 year term.

  • The loans include a grant for up to $10,000 that does not need to be repaid regardless of the outcome of the loan application.

  • The first loan repayments are being deferred for 12 months.

  • Click here for a list of all filing requirements.


While the U.S. Small Business Administration (SBA) recommends applying for a loan online at, the call-center number is (800) 659-2955 and you can email

Disaster Loan Fact Sheets

Payment Protection Plans

The Coronavirus Aid, Relief, and Economic Security (CARES) Act included the Payment Protection Plan program to provide cash-flow assistance through 100% federally-guaranteed loans to employers who maintain their payroll during this emergency.

Beginning on April 3, 2020, small businesses and sole proprietorships can start applying for loans up to $10 million.

Beginning on April 10, 2020, independent contractors and eligible self-employed individuals can start applying.

Click here for the main assistance page from the U.S. Department of the Treasury, and click here for the FAQ, updated April 8, 2020.

How to Apply

Option 1: SBA Lender Gateway

1. Create an SBA Account.

2. Request authorization to the gateway by providing your FRS, FDIC or NCUA number, as well as your authorization number.

Please note: Lenders who need assistance accessing SBA's E-Tran system may call the Lender Customer Service Line at 1-833-572-0502.

Option 2: Download Application Form

1. Fill out an application form.

2. Apply through an approved SBA lender.

More Upcoming Relief from the CARES Act

Click here for an article from The Washington Post about small business assistance in the CARES Act.

The guide below provides information about the major programs and initiatives that will soon be available to address the needs of small businesses, as well as certain nonprofits and other employers.