City of Sacramento Small Business Emergency Economic Relief Loan Program

The City’s Small Business Emergency Economic Relief Loan Program is open for application submissions. The application is a first-come, first-serve basis and has been translated to various languages.  


The application is basic and should only take about 15 minutes to complete; the majority of questions are focused on contact information and a few are related to more detailed questions about their business, such as legal structure, revenue details, etc. Businesses must meet certain criteria to be eligible for the loan, including:

  • Be for-profit, independently owned local businesses (non-profit organizations may apply for funding, but priority will be given to for-profit businesses)
  • Have no more than 25 full-time employees
  • Be a restaurant, retail, service, or entertainment business with a storefront; or a day care establishment
  • Have a physical establishment within the city of Sacramento (no home-based businesses with the exception of child-care businesses)
  • Have a demonstrated hardship due to COVID-19, such as a loss in revenue
  • Have written sick leave policies to assist workers impacted by the COVID-19 pandemic
  • Comply with the spirit of the City’s non-discriminatory policy 
  • Not include a business owner that has previously applied for a zero-interest loan under this program
  • Be in good standing with the City of Sacramento (e.g., current on bills, no liens or judgments, etc.
  • Have a current City of Sacramento Business Operations Tax Certificate (BOTC) and have been in operation as of March 13, 2020

The eligibility criteria and application process is available on the website. 

City’s Small Business Hotline – 916-808-7196

In addition to the City’s Small Business Emergency Economic Relief Loan Program, the City has established a Small Business Hotline. Business owners may call 916-808-7196 and staff will return their call within one businesses day, depending on call volume. For more information, please visit the City’s COVID-19 resources webpage.