Coronavirus (COVID-19) Health Emergency

Updates and resources during the current health emergency. Learn more

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Bay Federal Credit Union is actively engaged in developing our business lending program and can provide resources to help our business members. Please see options available to you below. We are excited to announce that as of January 19, 2021, we are accepting a second round of applications for the Paycheck Protection Program (PPP). Please visit our local Small Business Development Center for additional resources.

Options Available to Small Business Owners

  • $5,000 Emergency Business Loan from Bay Federal

  • SBA Paycheck Protection Program (PPP)

  • Santa Cruz Resilience Microloan Program (for Small Businesses in the City of Santa Cruz)

  • Additional Resources for Small Businesses


If you would like to discuss options to support your business, please fill out the following form. Our Business Relationship Manager, Jeff Heitmann, will respond to advise on options for your individual situation. Due to the current volume of inquiries, a response may take up to 48 to 72 hours. As a reminder, we cannot support businesses through the federal Payroll Protection Program at this time.


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