Government & Community Resources for Housing Providers

To assist rental housing providers during the COVID-19 crisis, the California Apartment Association is maintaining a list of various government, nonprofit, and community-based resources to help businesses stay afloat. Below you will find a list of national and state resources followed by links to regional resources. The regional resources also contain resources for tenants and links to PDFs of those resources that you can hand out to your residents.


Nationwide Resources

On March 27, the President signed the Coronavirus, Aid, Relief, and Economic Security (CARES) Act, a $2.2 trillion package to provide relief to individuals, businesses, and the health care industry due to the coronavirus pandemic. Relief for businesses from the CARES Act, and from other private nationwide resources, are identified below.


Paycheck Protection Program:

Economic Injury Disaster Loans & Advances:

The CARES Act includes a program to provide cash flow assistance to small businesses with 500 or fewer employees, including sole proprietors, independent contractors, and self-employed persons. 

Click here for more information.

Small business owners in all states can apply for an Economic Injury Disaster Loan advance of up to $10,000 that can be available within 3 days of applying. There is no obligation to repay this advance, so it is essentially a grant. To receive the advance, a business must apply for an Economic Injury Disaster Loan, which provides small businesses with working capital loans of up to $2 million, and then request an advance on that loan. Landlords that constitute passive businesses under the Paycheck Protection Program may be eligible for these loans.
To apply for a COVID-19 Economic Injury Disaster Loan, click here. – UPDATED!

SBA Express Bridge Loans:

Mid-Size and Large Business Loans:



Enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. This can be used to bridge the gap while applying for a direct SBA Economic Injury Disaster Loan.

The CARES Act provides over $400 billion for financial programs to assist businesses not eligible for other economic relief under the Act. The Secretary of the Treasury is specifically granted authority to implement an assistance programs for mid-size businesses, meaning those between 500 and 10,000 employees. Loans under these programs will have a maximum 2% interest rate and interest will not be due for at least 6 months after the loan is paid. Additional details regarding these loans are forthcoming.

Main Street Lending Program:

Employee Retention Tax Credit:


This Federal Reserve program provides cash flows to small and mid-sized businesses that were in good standing before the crisis by offering 4-year loans to companies employing up to 10,000 workers or with revenues of less than $2.5 billion. Principal and interest payments deferred for one year. Businesses that took advantage of the Paycheck Protection Program may also receive these loans. Interested businesses should inquire with their banks or savings associations to see if they are offering these loans.

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The CARES Act created this new tax credit for employers who are closed, partially closed, or experiencing significant revenue losses as a result of COVID-19. Eligible private employers are those whose operations have partially or fully suspended as a result of COVID-19 or who experience a decline in gross receipts by more than 50% in a quarter compared to the same quarter in 2019. The tax credit a 50% credit for the first $10,00 of compensation, including the employer portion of health benefits, for each eligible employee. This refundable credit is applies against the employer portion of the payroll taxes. The Treasury Department will develop a process for employers to receive an advance payment of the tax credit. Employers who receive a Paycheck Protection Program loan are not eligible for this credit.

Deferral of Employment Tax Deposits and Payments:

COVID-19 Federal Rural Resource Guide:

The CARES Act allows employers to defer the deposit and payment of the employer’s portion of social security taxes that would otherwise be due between March 27, 2020 and December 31, 2020. Employers can instead deposit the first half of these payments by the end of 2021 and the other half by the end of 2022. All employers are eligible for this deferral program. Employers receiving a paycheck protection program loan become ineligible for continued deferral after they receive notice that the loan has been forgiven.


one-stop shop of federal programs that can be used by rural communities, organizations, and individuals impacted by the pandemic.

Facebook Small Business Grants:

Verizon Small Business Recovery Fund:


Facebook is offering $100 million in cash grants and ad credits. Eligible businesses have between 2 and 50 employees, have experienced challenges from COVID-19 and are in or near a location where Facebook operates.


Provides grants of up to $10,000 to help small businesses fill urgent financial gaps until they can resume normal operations or until more permanent financing becomes available.

COVId19funding.org:

provides a compilation of financial relief opportunities for individuals impacted by COVID-19.

Statewide Resources

  • EDD Programs: Information for the state resources listed below can be found at labor.ca.gov/coronavirus2019 and the Employment Development Department’s (EDD) COVID-19 Resource Page
    • Disability Insurance: An individual unable to work due to medical quarantine or illness related to COVID-19 may qualify for disability insurance.
    • Paid Family Leave: An individual unable to work because the person is caring for an ill or quarantined family member with COVID-19 may qualify for paid family leave. Both the federal and state government have expanded access to paid sick leave for many employees.
    • Unemployment Insurance: An individual who has lost a job or had hours reduced for reasons related to COVID-19 may qualify for unemployment insurance.
    • Paid Sick leave: If an individual or an individual’s family member is sick or undergoing preventative care when civil authorities recommend quarantine, he or she may be eligible for paid sick leave.
    • Workers’ Compensation: An individual unable to perform usual job duties after contracting COVID-19 at work may be eligible for workers’ compensation benefits.

Local Resources

Local governments and nonprofit organizations are offering a variety of resources to assist both businesses owners and residents with financial support and access to food and medical care. The pages linked below also contain links to PDFs with potential resources for tenants during the pandemic – you are welcome and encouraged to provide those PDFs to your residents.