Provider Financial Support

During this hard time, Nivano Physicians would like to help each Provider and FQHC as much as possible. If you are facing a hardship, please use one of the below options offered by the government to help your practice during this closure. Please read the following information to see which part of the CARES act (Coronavirus Aid Relief and Economic Security) you can benefit from.

The United States Congress passed a landmark stimulus package, known as the CARES Act, which directs financial assistance and relief in the form of Economic Injury and Disaster Loans (EIDLs) and a Paycheck Protection Program (PPP).

The Small Business Administration helps small businesses with counseling, loans and government contracting. It is offering designated states and territories low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19). Upon a request received from a state’s or territory’s Governor, the SBA will issue under its own authority, as provided by the Coronavirus Preparedness and Response Supplemental Appropriations Act that was recently signed by the President, an Economic Injury Disaster Loan declaration.

Economic Injury and Disaster Loans (EIDLs)

What is it?

An emergency loan program for federal disasters expanded to specifically include COVID-19. This program offers up to $2 million in assistance for fixed debts, payroll, and other account expenses with an interest rate of 3.75 percent for small businesses and 2.75 percent for nonprofits.

Who is Eligible?

Small businesses with fewer than 500 employees who are impacted by COVID-19.

How Do I Apply?

Please reference the guide to the Small Business Associations EIDLs.

Click here to go to the SBA's portal for COVID-19's Application

Paycheck Protection Program (PPP)

What is it?

Provides small businesses with funds in the form of loans to pay up to eight weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent and utilities.

Who is Eligible?

  • Small businesses with no more than 500 employees or you can qualify as a small business of concern under the SBA definition.
  • A 501(c)3 company with fewer than 500 employees including nonprofits, veterans' organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors.
  • Businesses with more than 500 employees are eligible in certain industries.

Conditions Include:

Loans are available up to $10 million with 100% loan forgiveness, only if a business sustains its pre-COVID-19 payroll levels through June 30, 2020. Loans can be forgiven when used for payroll costs, interest on mortgages, rent and utilities. At least 75% of the loan must be used for employee payroll. This is to encourage companies t keep employees on during this hardship.

When can I apply?

  • Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Other regulated lenders will be available to make these loans as soon as they are approved and enrolled in the program.

How Do I Appy?

Apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating.

Deferral of Employer Taxes and Employee Retention Tax Credit

What is it?

Employers may defer the employer share of social security taxes from March 27th, 2020 to December 31st, 2020.

The payment schedule for deferred taxes includes the following:

  • 50% is due 12.31.2021
  • 50% is due 12.31.2022

Credit is available to any employer that is in business during the calendar year of 2020 and has partially or fully suspended operations due to the government orders relating to COVID-19.

*** An Employer can either choose the Paycheck Protection Plan (PPP) or the Employee Retention Tax Credit. ***


Contact Us

If you have any questions regarding any part of the SBA loans or grant funding, please contact Paul at 916.407.2000 ext. 2552 or email

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