Business Recovery Tools

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Emergency Information

For Sonoma County emergency information, go to SoCoEmergency.org

    If you are a business owner or employee of a business that has been affected by a recent natural disaster, check here for information about your next steps.

    The EDB has worked with various partners to compile a comprehensive list of local, state and government resources and benefits for businesses affected by disasters.  Resources listed below include potentially available funding to help rebuild, cover payroll, tax credits and incentives, and help filing claims.

    Sonoma County Recovers: Official website for all information concerning the Sonoma County recovery.

    Quick Links

    Grants, Loans, and Financing
    Property Assessment, Tax, and Insurance
    Relocation and Rebuilding
    Workforce and Employment
    Creative Sector Recovery
    Planned Power Shutoff Guides: EnglishEspañol (PDF)
    Print Business Recovery Guides
    Coronavirus Business Resource Guide

    Grants, Loans, and Financing

    Economic Injury Disaster Loan

    Businesses of all sizes and private nonprofit organizations may borrow up to $2 million to repair or replace damaged or destroyed real estate, machinery and equipment, inventory and other business assets. SBA can also lend additional funds to businesses and homeowners to help with the cost of improvements to protect, prevent or minimize the same type of disaster damage from occurring in the future. For small businesses, small agricultural cooperatives, small businesses engaged in aquaculture and most private nonprofit organizations of any size, SBA offers Economic Injury Disaster Loans to help meet working capital needs caused by the disaster. Economic injury assistance is available to businesses regardless of any property damage. Interest rates can be as low as 3 percent for businesses and 2.75 percent for private nonprofit organizations with terms up to 30 years.

    • Declared Disasters and Deadlines:
      • LNU Lightning Complex Fires (August 14, 2020-September 26, 2020)
        Physical Damage: October 21, 2020
        Economic Injury: May 24, 2021
      • Other CA Wildfires (September 4, 2020-Continuing)
        Economic Injury: July 16, 2021
    • Small Business Administration
      http://disasterloan.sba.gov
      FOCWAssistance@sba.gov
      916-735-1500
      Individuals who are deaf or hard-of-hearing may call (800) 877-8339

    Disaster Payments For Agricultural Losses

    The United States Department of Agriculture (USDA) offers several disaster assistance programs for losses to livestock, crops, grazing lands, equipment, and more.

    Working Solutions CDFI Recovery Loan

    Up to $50,000 in loans for businesses impacted by recent fires and COVID-19. Loan details include 5% fixed interest rate, 3 or 5 year loan term, waived application fee, reduced closing fee of 3%, interest-only during the first 6 months (principal deferred), and no prepayment penalties. Loans are subject to approval.

    Disaster Relief Loan

    Up to $1 million in loans (85%-95% guarantee by IBANK) to repair or replace property, inventory, supplies, and equipment, or to relocate. 

    California IBank

    Low interest and state-guaranteed business loans and microloans affected by a disaster. Small businesses, including small farms, nurseries, agriculture-related enterprises and nonprofits that have suffered an economic loss and/or physical damage may apply for the Disaster Relief Loan Guarantee Program (DRLGP) which offers loans up to $1 million for Disaster Relief Borrowers.

    https://www.ibank.ca.gov/small-business/disaster-relief/

    California Capital Access Program (CalCap)

    Small business and state-guaranteed loans. Designed to provide up to 100% coverage to participating lenders on certain loan defaults.

    https://www.treasurer.ca.gov/cpcfa/calcap/sb/index.asp


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    Property Assessment, Tax, and Insurance

    Tax Extension and Assistance

    Businesses may be eligible for an extension on submitting federal tax filings. See IRS Publication 547 for more information.

    https://www.irs.gov/forms-pubs/about-publication-547

    State Disaster Loss Tax Deduction

    Businesses may be eligible for a state tax deduction equal to the change in market value of the property minus the value of insurance payouts. If a business owner has no insurance, they can still claim a disaster loss. Business owners can apply the loss to the current tax year, or to the previous tax year to generate a quick tax refund. For more information read Franchise Tax Board Publication 1034.

    State of Emergency Tax Relief

    Emergency tax or fee relief is available from the California Department of Tax and Fee Administration (CDTFA) for taxpayers who have been directly affected by disasters declared as state of emergencies, both within California and nationally. Available services may include the extension of tax return due dates, relief of penalty and interest, or replacement copies of records lost due to disasters.

    Payroll Extension

    Extension on filing State payroll reports and taxes.

    California Economic Development Department
    https://www.edd.ca.gov/Payroll_Taxes/Emergency_and_Disaster_Assistance_for_Employers.htm

    Insurance Assistance

    Insurance coverage may vary based on your provider and policy type.  For general questions, the California department of insurance may be a resource.  Specific questions should be addressed by your insurance provider.  Learn more by calling your insurance agent.

    Property Assistance

    Calamity Provision Property Reassessment

    Properties damaged or lost by disasters can be reassessed at a lower property tax value.  Visit the County Assessor’s Office for more information. Residents or business owners whose property suffered more than $10,000 in value loss may be eligible.

    Qualified Contaminated Property Reassessment

    A resident or business owner may transfer the base year value of a property to a new, replacement property if the old property is unfit to live in (residential) or to use (nonresidential). Property must be designated as toxic or an environmental hazard (chemicals, petroleum, hazardous materials, etc. released by the fire) to be eligible.

    Tax Credits

    Sales and Use Exception Tax Credits for Manufacturing

    Businesses may qualify for partial or full exemption of state sales and use tax on certain manufacturing and research equipment purchases and leases. Eligibility includes manufacturing, biotechnology, alternative energy, and physical, engineering, and life sciences companies.

    Sales and Use Exception Tax Credit for Agriculture

    5% state sales tax exception for the sale, storage, use, or consumption of new farm equipment or parts. Eligibility includes livestock/agricultural businesses, including horse farms and vineyards. SIC Codes 0111-0291 and 07110783.


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    Relocation and Rebuilding

    GoBiz Business Investment Services: Site consultation and business incentives for relocation.

    North Coast Builders Exchange: Connects businesses needing repair and rebuilding services with local construction firms.


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    Workforce and Employment

    Disaster Unemployment Insurance

    Those in a disaster area may be eligible for Disaster Unemployment Assistance, which can cover those who cannot work because their workplace is damaged or destroyed, is unreachable due to an evacuation order, or they cannot work due to a disaster related injury. 

    Those who are not directly unemployed due to the fires should still contact Job Link to potentially receive traditional Unemployment Insurance.

    California Employment Development Dept. 
    https://edd.ca.gov/Unemployment/Disaster_Unemployment_Assistance.htm
    800-300-5616 

    Job Link

    Employer Services

    • Business owners and managers can coordinate unemployment services.
    • Job matching for dislocated workers, workshops, and more.

    Job Seeker Services

    • Apply for unemployment benefits and COBRA coverage.
    • Looking for new job opportunities with other local employers.

    Sonoma County Job Link
    https://sonomawib.org/
    707-565-5550


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    Creative Sector Recovery

    Emergency Preparedness: Whether you are an artist, creative professional, or arts organization manager – it pays (both in time and money) to have an emergency preparedness plan.

    Emergency Resources: Provides lists of emergency resources for artists and arts organizations, sorted by discipline, followed by general assistance organizations. These resources are available for a variety reasons – from natural disasters to personal medical needs.


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    EDB Business Recovery Guides for Print

    Glass Fire - English (2020)
    Glass Fire - Español (2020)
    LNU Lightning Complex Fire
    - English (2020)
    LNU Lightning Complex Fire - Español (2020)  
    2019 Kincade Fire
    - English (2019)
    2019 Kincade Fire - Español (2019)
    Power Shutoff Preparedness - English (2019)
    Power Shutoff Preparedness - Español (2019)
    Russian River Floods (2019) 
    Wildfires (2017)


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        Contact Information

        Lauren Cartwright

        Business Retention and Expansion Program Manager

        Economic Development Board

        Contact me by Phone

        Contact Information

        Marcos J. Suarez

        Asistencia a Negocios en Español

        Economic Development Board
        Contact us by Phone

        Contact Information

        Christine Palmer

        Business Development Program Manager

        Economic Development Board

        Contact me by Phone

        Address
        141 Stony Circle, Suite 130
        Santa Rosa, CA 95401