Micro-LBE Emergency Loan Program

The Port Micro-LBE Hardship Emergency Loan Program is a zero-interest loan program that was developed in collaboration with the Port and service provider Main Street Launch. The Port recognizes the value of a diverse and local contracting community and is dedicating $1 million in the program for loans up to $25,000 each to eligible Port contractors, subcontractors, subconsultants or tenants.


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Program Overview

Eligible contractors must be Port Prime Contractors, subcontractors, suppliers or tenants who are certified Micro-LBEs with the City and County of San Francisco.  


Applicant Requirements

  1. Be an existing business located in the City of San Francisco (SF Business address) 
  2. Be a for-profit business in good standing 
  3. Have total annual revenues under $2.5 million in 2019
  4. Have a valid San Francisco Business License 
  5. Be free of any city/county tax liens or judgments 
  6. Have a business bank account 
  7. Demonstrate a 25% drop in revenues since January 1, 2020
  8. Be a Port of San Francisco contractor, subcontractor or tenant


Key Terms

  • Loan amounts up to $25,000 for eligible Micro-LBEs, as described above
  • Five year (60 month) repayment term with the first regular payment due the first day of the month six months after the loan was disbursed
  • Zero percent (0%) interest
  • No prepayment penalty
  • Loan balance forgiveness options
    • Upon repayment of fifty percent (50%) of the loan within the first two years of disbursement, outstanding balance will be forgiven
    • Upon repayment of seventy-five percent (75%) of the loan within the first three years of disbursement, outstanding balance will be forgiven
  • Port tenants cannot use rent due to Port as an eligible business expense


Application and Process

Step 1: Inquiry Application: Interested and eligible Micro-LBEs must complete this short application.  Applications are accepted on a rolling basis.

Step 2: Main Street Launch, the service provider, will contact applicants to complete the full application.