State and Local Relief Programs for California Businesses

We know that in this unprecedented time, your business is likely facing various unforeseen challenges, and at Mulligan Funding we are here to support you. Below you will find a number of programs currently available for businesses in the state of California. These loans can be used to pay off other loans, to use as a buffer, and to serve as a source of liquidity to pay your employees.

We’ll work diligently to keep this updated as new information comes out.



Facebook will offer up to $100 million in cash grants as well ad grants for small businesses in the US as well as other countries in the coming weeks. You can sign up here to be on the list to receive updates on when the grants will be available.

SBA Disaster Relief Fund 

The Small Business Administration currently has a disaster relief fund, though additional new programs related to COVID-19 are expected to be rolled out within the coming weeks. Businesses affected by the virus are eligible for the existing disaster relief program, as long as their state has declared an emergency.  SBA offers up to 30 years at 2.75%, loan amounts up to $2mm. You can apply for a loan here


Deferred Payroll Taxes

The CA Employment Development Division (EDD) is granting a 60-day extension to file state payroll reports and/or deposit state payroll taxes without penalty or interest for employers experiencing hardship from COVID-19. For the most up-to-date information, visit CA EDD’s COVID-19 resource page



The City of San Francisco is taking extensive and proactive actions to support businesses and workers during this unprecedented time. For more information on general programs please click here.

Deferred Business Taxes for Small Businesses

For businesses with up to $10M in gross receipts, the City is deferring payment of quarterly business taxes due April 30, 2020 for nine months until February 2021 with no interest or penalties. This will provide immediate cash-flow assistance to 8,050 small businesses.

Deferred Business Licensing Fee

The City is deferring collection of annual small business license and permit fees that make up the Unified License Bill for three months to June 30, 2020. This will support more than 10,000 businesses. 

San Francisco Small Business Revolving Loan Fund 

The City-sponsored Revolving Loan Fund (RLF) provides access to capital, including microloans and technical assistance.

COVID-19 Small Business Resiliency Fund

The City has established a fund administered by OEWD to offer emergency grants up to $10,000 for microbusinesses. Businesses must be able to show a recent loss in revenue.


The Oakland Business Assistance Center is an online resource tool with information on zero-interest loans to help with tax bills. 


Small Business Finance Center

One of the SBFC loan guarantee programs is designed for Disaster Relief specifically and is currently available to small businesses needing assistance to overcome economic injury caused by COVID-19.


​​​​​​​On March 12 the county of Sacramento announced they are setting aside $1 million in a business relief fund that will be available to help small businesses.  The program has not gone live yet, but please check here on a daily basis for updates.

If you need any assistance whatsoever in the application process, please do not hesitate to reach out to us. We are happy to assist in any way we can.

*This page was updated on March 19, 2020, and may not reflect recent changes to the California Programs listed above. For up to date information, please follow the links provided and/or independently research and verify.

The information shared is intended to be used for informational purposes only and you should independently research and verify.

Note: Prior to January 23, 2020, Mulligan Funding operated solely as a direct lender, originating all of its own loans and Merchant Cash Advance contracts. From that date onwards, the majority of funding offered by Mulligan Funding will be by Loans originated by FinWise Bank, a Utah-chartered Bank, pursuant to a Loan Program conducted jointly by Mulligan Funding and FinWise Bank.