The City of Ontario’s CDBG-CV Small Business Stabilization Loan to Grant Program will provide funding to small businesses needing financial assistance in overcoming the temporary loss of revenue due to the COVID-19 pandemic. Specifically, the program aims to assist eligible small businesses to retain their workforce in the retention of at least one full-time equivalent (FTE) employee from a low to moderate-income household for at least six months. The FTE employee may consist of multiple employees (i.e. two part-time employees) whose total working hours combined, equate to 40 hours a week. The FTE employee from a “low and moderate-income household” must have a total, combined, household income that does not exceed 120 percent of the County median income, adjusted for family or household size, including income from unemployment benefits that member(s) of the household may receive.

Online applications will be accepted beginning Monday, July 26, 2021, at 9:00 AM to Tuesday, August 24, 2021, at 5:00 PM.


Program Information

Below are the income limits for moderate income in San Bernardino County.

For your convenience, the following chart lists the current San Bernardino County Income Limits for FY 2020. The income limit terminology that is used in CDBG Reports is shown in parenthesis in column 1-Terms.


1 person

2 persons

 3 persons

 4 persons

 5 persons

 6 persons

 7 persons

 8 persons

Level 1
(Extremely Low Income 0-30% MFI)




$0- $22,600

$0- $24,450

$0- $26,250

$0- $28,050

$0- $29,850

 Level 2
(Low Income 30-50% MFI)









Level 3
(Moderate Income below 80% MFI)









Level 4

$42,201 and above

$48,201 and above

$54,251 and above

$60,251 and above

$65,101 and above

$69,901 and above

$74,751 and above

$79,551 and above

Median Family Income (MFI): $75,300

Under this program, small businesses with 6 to 500 employees (not including the owner) and that currently employ at least one FTE from a low to moderate income household may be eligible to receive a working capital loan of up to $10,000. See below for additional eligibility requirements.

Application Period

Online applications will be accepted from Monday, July 26, 2021, at 9:00 AM to Tuesday, August 24, 2021, at 5:00 PM. Paper applications will not be accepted, but applicants needing assistance can contact the SBDC for telephone support at 1-800-616-7232. Applications received after this due date and time will be considered late and will not be accepted.

All applications will be reviewed on a first come, first-served basis. After the initial 30 day application window is closed, eligible businesses will be invited to complete and submit supporting documentation.


Please complete the entirety of the application and ensure all of your information is correct. If required fields are not complete you will receive an error notice which will not allow you to submit the application. For best results, we recommend using the following browsers: Chrome, Safari, Firefox. After submitting your application, you will receive an email confirmation.


It your Business Eligibility to Apply?

To be eligible, your business must:

  • Have a current City of Ontario Business License and permit.
  • Have an established business that has been operating in Ontario prior to January 31, 2020.
  • Be independently owned with fewer than 25 employees including the owners.
  • Be an existing Private For-Profit business located in the City of Ontario.
  • Be able to demonstrate adverse impacts from the COVID-19 pandemic.
  • Hire or retain at least one full-time equivalent low-and moderate-income (LMI) position (40 hours per week).

Business Eligibility Checklist

Before applying, each applicant must confirm the following statements are true for their business:

  • My business is a commercial property located in the City of Ontario.
  • I have an existing lease or mortgage on the property where my business is located and operated, and I can provide a copy of the current lease agreement or mortgage statement. 
  • My business has been in operation in the City of Ontario since prior to January 31, 2020. 
  • My business has 25 or fewer employees, including myself.
  • My business is a restaurant or defined as a “non-essential” business under the Safer at Home restrictions, including but not limited to bars, bowling alleys, beauty salons and barbershops; retail stores; nail salons; gyms and fitness centers, and See list on following pages for ineligible business types.
  • My business does not have any existing, non-resolved code violations as identified in a formal notice from the City of Ontario.
  • (For businesses with 6 – 25 employees) At least 51% of employees are of low-moderate income (below 80%AMI). Total the income of each employees’ household income using the eligibility chart Business owner may be included to determine total low- moderate income employees.
  • (For businesses with 5 or fewer employees) I can show that I have a total household income at or below 80% of the Area Minimum Income using the eligibility chart below.

Maximum Income Limits per Household

2020 Income Category

1 person

2 people

3 people

4 people

5 people

6 people

7 people

8 people

Low Income
(80% AMI)









  • My business has not received any Federal COVID-19 Pandemic Funding (PPP, EIDL, SBA Relief Program, CARES Act unemployment benefit) at the time of applying during the first 30 days.
  • I can show that my business creates or retains the equivalent of at least one full time employee (40 hours/week).
  • I can provide evidence that my business was impacted by COVID-19 (25% or more loss in revenue) through a hardship statement.
  • I can provide a Business License confirming the business address is in the City of Ontario.

Loan to Grant

Loan Terms

Approved businesses will be required to execute a Loan Agreement with the City.  The SBS program offers $10,000 as a 0%, one-year forgivable loan to Ontario businesses with documented coronavirus related financial hardship for working capital, i.e., capital that can be used for day-to day operating expenses to respond to the impacts of COVID-19.

Examples of what SBS funds may be used for include:

  • Employee payroll – 51% of your employees (employers may include themselves), must qualify as low-moderate See chart below for income eligibility.

2020 Income Category

1 person

2 people

3 people

4 people

5 people

6 people

7 people

8 people

Low Income
(80% AMI)









  • Business Rent;
  • Employee sick time payroll;
  • Day to Day expenses (to continue operations);
  • Outstanding Business Expenses; or
  • Adaptive business practices (needed to remain open during the pandemic).

For the first 30 days that applications are open, only businesses who have yet to receive any Pandemic related Federal (PPP, EIDL, SBA Relief Program, CARES Act unemployment benefit) assistance will be eligible.  After that time applications will be accepted for businesses who have received $50,000 or less in Federal assistance.


Following the execution of a SBS agreement and disbursement of funds, loan recipients shall provide, on no less than a quarterly basis, the following:

  • A report demonstrating precisely what the loan funds were used for;
  • The number of employees on payroll during that preceding quarter; and
  • A summary of business operational status


  • The City of Ontario shall maintain adequate records of services and payments to persons served by this program in sufficient detail to demonstrate compliance with the policies and procedures of the program. These records shall be retained for at least 5 years.
  • Financial and client records are confidential regarding their use as public information; however, the information may be provided to another city, state, or federal agency if required to provide information or prevent duplication of payments.


The City of Ontario reserves the right to request documents to confirm program eligibility. The following documentation must be provided to staff for your application to be deemed complete:

  • Proof of Financial Stability – Applicants must document they have had regular, ongoing income prior to the start of the COVID-19 pandemic and had profitable business operations for the most recent available tax year (2019).
  • Payroll Records – Applicant will need to provide payroll records documenting the number of employees working in the business.
  • Copy of current City of Ontario Business License
  • Lease Agreement or Mortgage Statement for Commercial Space
  • Government Issued Identification
    • All business owners with a 20% or greater ownership interest must submit a copy of a government issued Examples include:
      • Driver’s License with a photograph
      • State Identification card with a photograph
      • Immigration and Naturalization Service Documents – must contain a photograph
      • Military Identification with a photograph
      • Alien Registration Card with a photograph
      • Valid passport
      • Citizenship papers with photograph

**Once documents submitted to staff are verified, in order to receive loan funds, applicants must submit the following completed documents.  Failure to submit the Confirmation Documents will result in termination of the Application:

  • W-9 Form
  • Signed Loan Agreement


Informational Webinar

City Staff and SBDC representatives will be conducting informational webinars to discuss the Program and eligibility as well as answer questions live.

Thursday, July 22 at 11 AM 
Click Here To Register


The Small Business Stabilization Loan to Grant Program is being administered by the Small Business Development Center (SBDC) hosted by Cal State Fullerton.