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WELCOME to the LADERA RANCHO                                              CHAMBER of COMMERCE 




  • Facebook Small Business Grants Program - $100 million in grants - Link here
Loans / Advances
  • SBDC Loan Application Video - Link here
  • U. S. Small Business Administration Disaster Loans (EIDL) - Link here Do this NOW

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000.

The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.

The advance is available to anyone who applies for an EIDL, regardless of whether the application was declined or is still pending.

  • Paycheck Protection Program (PPP) - an SBA loan that will help you keep your people employed during the crisis - Link here
The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent and utilities (due to the high subscription, at least 75% of the forgiven amount must have been used for payroll). You can apply through any SBA 7(a) lender that is participating - consult with your local lender. Lenders may begin processing as early as April 3. Call Chris Truong at U.S. Bank for more info at 949-421-8147. Click the link to see a sample form.


The SBA will automatically pay the principal, interest, and fees of current 7(a), 504, and microloans for a period of six months and new 7(a), 504, and microloans issued prior to September 27, 2020.

  • NEW Express Bridge Loan Pilot Program - Link here
This loan allows small businesses that currently have a business relationship with an SBA Express Lender to access up to $25,000, serving as a gap loan while applying for an EIDL, providing economic support to help overcome a temporary loss of revenue from a reduction or closure.

    Employee retention

    Deferral of Payment of Employer Payroll Taxes

    Pursuant to this provision, an employer may delay payment of the employer’s 6.2% of the Social Security (Old-Age, Survivors, and Disability Insurance) tax (“Employer-Side SS Tax”).

    For the period beginning March 27, 2020 and ending before January 1, 2021 (“Deferral Period”), payment of applicable Employer-Side SS Tax owed during the Deferral Period is due by:

    • December 31, 2021 with respect to 50% of such amount, and
    • December 31, 2022 with respect to the remaining 50% of such amount. (Both without imposed penalties)

    Employee Retention Credit - For employers subject to closure

    The CARES Act wants you to keep your employees on the payroll during this time, for obvious economic reasons. When you do that, you will receive a refundable credit equal to 50% of the "qualified wages" for each employee up to a maximum of $10,000. That means a $5,000 benefit per employee to the employer.

    * You cannot apply this credit against your payroll tax liability if you acquired a PPP loan - even if you do not receive forgiveness.


    Property Taxes

    • Do I have to pay my property taxes if I've been required to close?

    Tax Collector FAQ's - Link

    Penalty Cancellation Request Examples - Link


    • We will help share any relevant information on Facebook or Instagram. Develop a unique program to attract attention such as carry-out food different from your regular menu if you are a restaurant. The point is to show show the public you are trying to adapt.
    • TIME FOR TAKEOUT - Orange County - Link here


    • Combating the Coronavirus (U.S. Chamber) - Link here
    • Coronavirus Response &  Resources (Chamber Foundation) - Link here
    • The SBDC Prepare and Recover - Link here
    • Orange County Health Care Agency - Link here


    • Employment Development Department of Ca - Link here
    • Paid Sick Leave for Workers / Reimbursement IRS - Link here 

    HEALTH & SAFETY - take every precaution

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