CoronaVirus (COVID-19) Relief Options for Small Businesses

We provide information on how to get disaster relief assistance through the Small Business Administration

BIPOC (Black , Indigenous , People of Color), and Women Owned Small Businesses Grant Program

Image: AmPac Business Capital Logo
American Business Bank Logo

The grants will be targeted in key markets of Southern California, including: Los Angeles, Orange, San Bernardino and Riverside Counties.

This grant is to provide immediate financial support to BIPOC and women-owned small businesses and entrepreneurs in AmPac Business Capital’s market areas of California. This is to provide working capital funds to qualifying applicants.

Applicants of the program are required to attend at least two 1-hour free training sessions on business financial literacy conducted by ABB and AmPac. Please be aware that participation in the training is a requirement to apply and does not guarantee being awarded.

This grant has a limited pool of funds , and is highly competitive !


HOW TO APPLY: There are three steps to applying:

Complete the application.

1. Complete the application and required documentation to be submitted

  • Following completion of the 3 step process, you will email all documents in a named folder directly to,
  • If you are not comfortable emailing your documentation folder , you can utilize the Secure file Transfer on our website . You must then email to inform us you have submitted your documentation folder to the share-file link on the website. Please include the name of the documentation folder you submit.

2. Attend a minimum of 2- (1) hour training sessions on business financial literacy offered by American Business Bank & AmPac:

  • In your application submission to , Include the implementation points you will take away from the training(s) to apply to your business model on a separate document.

3. Submit all documentation in a folder, including a webinar training implementation point(s) document for a complete application to be reviewed.

  • This can be as simple as a word document where you note your takeaway / implementation points from the trainings)

9/23/2021; 9/30/2021; 10/7/2021

1. Understand the balance sheet, why is it important? : 9/23/21
2. The importance of financial record-keeping : 9/30/21
3. Cash is King; knowing your cash flow and cash flow cycles : 10/7/21

*Incomplete applications and those who do not meet training requirements will not be considered; more trainings increase score ranking

Webinar registration information:

When: Sep 23, 2021 01:00 PM Pacific Time (US and Canada)
Topic: AmPac ABB Grant Webinar(s)

Register Here

Grants will range from $5,000 to $25,000

Eligible Business Annual Revenue Grant Amount Available Per Business
$1,000 to $100,000 $5,000
Greater than $100,000 up to $400,000 $15,000
Greater than $400,000 up to $1,000,000 $25,000



There is one round of applications for this program, as follows:

Applications will go live: 9/15/2021

Applications due: 10/20/2021

Training webinars: 9/23/2021; 9/30/2021; 10/7/2021

Download Application

Download Program Information

Download Program Certification (requires attendance of training)

Download W-9 Form

Eligible Businesses

  • Businesses with annual revenues no more than $1 million, documented with one year of Business Tax Returns or Business Financial Statements - Profit & Loss Statement & Balance Sheet 
  • Businesses must have been in existence one year or longer, including businesses that started by June 2019 
  • Special Note: Businesses “starting over” because of matters impacting the businesses in the pandemic will be considered, assuming they have previous financial statements from their business in 2019 
  • Businesses must be for-profit.
  • If a business owner operates more than one business, only one application for a single business will be accepted.
  • The business name on the application must match the records with the State, County and City.
  • Business must be in good standing with the State, County and City, documented by a Certificate of Good Standing.
  • The business must have a business address in key geographies in Southern California.
  • The business must have a valid business license and be in compliance with regulatory requirements (unless this grant brings them into compliance).
  • Grants may be used to cover the day-to-day operating expenses of the business, such as rent, working capital, payroll, utility bills or losses due to destabilizing events, etc. Grants may be used for transitioning to e-commerce, curb-side pick-up, delivery integrations and other creative solutions to increase revenue.
  • Agree to share impact to the business as a result of the grant funding
  • Attend a minimum of 2-(1) hour business financial literacy trainings offered by ABB and AmPac 

Ineligible Businesses

  • Businesses that are franchises and chains are not eligible to apply. 
  • Only federally legal businesses will be accepted – sexual prurient, cannabis, etc. (per SBA and other federal guidelines)
  • Owners of multiple businesses, franchises, locations, etc. will be considered for only one grant.
  • Independent contractors operating multilevel or network marketing businesses (such as Avon, Mary Kay, 5LINX, Pampered Chef, WFG, etc.) are not eligible to apply.
  • Independent contractors working on gig platforms (such as Airbnb, Fiverr, Uber, Lyft, Instacart, etc.) are not eligible to apply. 

Riverside County COVID-19 Small Business Assistance Program

The County of Riverside & AmPac Business Capital are partnering to provide emergency and ongoing capital for small businesses in Riverside County!

Riverside County and AmPac Business Capital Partner Together logo

Microloans are available in the following cities:

Ineligible Business Types

  • Banning
  • Blythe
  • Coachella
  • Eastvale
  • Lake Elsinore
  • Norco
  • San Jacinto

ALL unincorporated communities of Riverside County.

  • Beaumont
  • Canyon Lake
  • Desert Hot Springs
  • Indian Wells
  • La Quinta
  • Murrieta
  • Wildomar
  • New/Startup Business
  • Residential or real estate projects
  • Non-profit companies
  • Casinos/gambling establishments
  • Gun Shops
  • Adult-entertainment related
  • Cannabis-related businesses

Microloans up to $25,000

TARGET: small businesses with fewer than five employees

  • Interest Rate: 0%
  • Term: 1 year (12 months)
  • No payments for the first three months
  • Forgivable: must remain in business for three months and retain existing employees; payroll records will be required with application and at the
    time of loan forgiveness

FEE: None for microloans


  • Payroll records documenting existing payroll
  • Certification that information is accurate and true as presented
  • One year of the most recent business and personal tax returns, year end
  • 2019 financial statements are acceptable (balance sheet/income statement)
  • Statement of COVID-19 impact (checklist provided)
  • Must demonstrate negative impact from COVID-19 (owner must provide proof of 25% or more profit loss due to COVID-19 from January 31, 2020 to the date of the application)
  • Business owner meets income limit – 80% Median Income: as of 07/01/2020, these are: 1* (42,200); 2(48,200); 3(54,250; 4(60,250); 5(65,100); 6(69,100); 7(74,750); 8(79,550)-*# of persons/Household.

Get Started by Applying Online

Download Program Information

SBA COVID-19 Economic Injury Disaster Loan Application

"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." 

Small Business Owners are urged to apply on this streamlined application.

SBA Disaster Loans for Businesses

Helpful Information and Guidelines

Information from the U.S. Small Business Administration is continuously trickling in and they are providing additional information and guidance to businesses through the following link to their Small Business Guidance & Loan Resources website.

Part of what we know for sure is that the COVID-19 related Economic Injury Disaster Loan was just announced, and the magnitude of the situation is rather overwhelming. While the President has declared a national emergency, each State must also be declared as a disaster area for any businesses in that State to be eligible. This determination is county-by-county and many of the counties that we serve have been declared a disaster area in the state of California. We are working to get more information that we can ultimately push out to businesses such as yourself.

SBA Disaster Loan PDF

SBA Disaster Loan Faith-Based FAQ

SBA COVID-19 Relief Programs at a Glance

Information and Applications

  • SBA Disaster Loan Three Step Process

    SBA's three-step process resource

  • SBA Disaster Loan Application

    Fill this out the application to get started

  • SBA Economic Injury Disaster Loan (EIDL), and Military Reservist Econimic Injury Disaster Loan (MREIDL)

    Additional filing requirements

  • U.S. Small Business Administration Website

    SBA's website for disaster assistance

What You Need to Know About the New CARES Act

Below are resources to help you understand the NEW CARES Act to help your business.

  • Small Business Owners Guide to the Cares Act

    Download this guide to the Cares Act programs and initiatives.

  • Small Business Cares Act Explained

    Learn about how the Cares Act can help you.

  • U.S. Chamber—Payroll Protection Plan Explained

    Corona Virus Emergency Loans Small Business Guide and Checklist

  • U.S. Chamber of Commerce Website

    Visit the U.S. Chamber of Commerce Website for the most updated information

  • Cares Act Bill

    Download the Cares Act bill

Do you have questions for us?

We care about you and are here to help with any questions you have.  Call us at (909) 915-1706 or click the button below and fill out our contact form.