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SAN DIEGO (KGTV) - Small businesses are the heart of San Diego's economy, but for those looking to start one, the process can feel overwhelming. It's a gap the nonprofit lender Accion has been working to fill for the last 25 years. "Sometimes thinking about getting a loan can be scary, and I think one of the things we really try to do through our process with our staff is really walk alongside that business owner," said Elizabeth Shott, CEO of Accion. Since they began in 1994, Accion has loaned million to roughly 3,100 small businesses."We're teaching them about their credit, about their finance, and their cash flow. So through the loan process they're getting a lot of one-on-one education from our staff team," said Shott.On Accion's website, you can apply for a loan as well as learn about free resources available in San Diego. Some free resources include:Legal clinics at universities San Diego Small Business Development CenterA patent attorney available once a month at the libraryFrancisco Moreno, owner of Tacos La Mezcla, is one of the many entrepreneurs who's received both a loan and guidance from Accion. “I guess the unknown is really scary, financially it can be really stressful," said Moreno. After Moreno successfully launched his food truck he was able to open a restaurant with help from Accion. Shott cautions businesses to be careful when getting any loan, being sure to ask questions and understand the terms and fees. Her staff often hears about predatory lenders online which can ultimately cost a business far more than they're able to afford. Their partner nonprofit CDC compiled this list to help entrepreneurs in thinking about the questions/info they should know prior to getting a loan. 1737

SAN DIEGO (KGTV) — San Diego's Board of Supervisors Wednesday approved a new initiative to encourage homeowners in the county's unincorporated areas to develop "granny flats" to help ease the region's housing shortage.The initiative will waive county permit and development impact fees over the next five years for property owners who want to build granny flats or other small dwellings on lots with existing homes. The hope is those units will then be used for family members or rented out as a source of income for property owners.The waivers apply to property owners in the county's unincorporated areas, including Alpine, Julian, Fallbrook, Lakeside, and Valley Center, as part of the county's General Plan.MAKING IT IN SAN DIEGO: Family chooses 'granny flat' option with San Diego's lower fees“This is a critical step in our on-going efforts to address the region’s housing crisis, especially the serious need for affordable housing,” Dianne Jacob, the board chairwoman, said in a release. “This new program is the quickest and easiest way for us to expedite the development of housing.”To cover the cost of the fee waivers, the county will pump million into the program over the five-year period.“There is no single solution to the regional housing shortage, but an average savings of ,000 for an accessory home will raise property values and offer more affordable places to live,” Supervisor Jim Desmond said in a release. “We will continue to be creative and challenge the status quo to solve the region’s housing crisis.” 1545

SAN DIEGO (KGTV) - Some local drivers hoping to earn some extra cash are turning to peer-to-peer shipping.Kuazine King owns his own production company specializing in hip hop.  Business is good, but he still needs to supplement his income.  The problem?"I'm always on the road.  I have artists ... I need something that gives me ultimate flexibility but also good pay," said King.Ten months ago, King signed up to drive for Roadie, a peer-to-peer shipping app that launched in San Diego about a year ago.  The Atlanta-based company matches people and businesses with stuff to send, with drivers headed their direction.On a recent morning, 10News stopped by King's home in Del Cerro and watched as he scrolled through a list of delivery jobs.  After a few seconds, he chose one.  Delta Airlines needed someone to pick up a bag from Lindbergh Field."I'm going to take it to Carlsbad for ," said King.10news rode along as he headed to the airport picked up his package from the Delta office.  It was a surfboard, one of two airport pickups he got that morning, both bound for North County.King says on a given day, he can complete about six deliveries and earn about 0.  He likes the pay and the power over his schedule."Uber is flexible, but this is the ultimate flexibility," said King."The whole idea is to tap into unused space already on the road to make delivery more efficient, more cost effective, more sustainable and faster than any other delivery method," said Jamie Gottlieb, Content Manager at Roadie.King says all that adds up to another perk: happy work days.        "I don't think I've ever delivered to a person who hasn't been happy to get their bags.  They're always happy!" said King. 1795

SAN DIEGO (KGTV) — San Diego Police Saturday asked the public for help locating a possibly depressed and suicidal man who disappeared from his home this week.Police said Miguel Antonio Venegas-Elizarrazaz was last seen by his roommates at his home at 145 South 45th St. on Wednesday. Roommates told police he had left behind a suicide note.Venegas is known to keep to himself and is possibly suffering from depression due to his wife's passing, according to SDPD.He is described as a Hispanic male, 5-feet 6-inches tall, weighing 140 pounds, and with black hair and brown eyes.Anyone with information about Venegas' whereabouts is asked to call SDPD at 619-531-2000 or 619-531-2277.SUICIDE PREVENTION (24-HOUR HOTLINES)San Diego County Crisis Line: 1-888-724-7240National Suicide Prevention Lifeline: 1-800-273-8255 823

SAN DIEGO (KGTV) — San Diego's Registrar of Voters addressed worries over ballots that may have been filled out using Sharpies, saying the ballots will not be disqualified.Wednesday, an attorney working for President Donald Trump's campaign claimed supporters who used Sharpies on their ballots are worried that their votes are being thrown out as Arizona's vote tally continued. There's no evidence that Sharpie votes have been disqualified and the Maricopa County Elections Department has said that ballots won't be impacted because a Sharpie was used.RELATED: 'Sharpie ballots' have the attention of a Trump campaign hoping to flip ArizonaThursday, the San Diego Registrar of Voters offered a similar statement, saying Sharpies — even if they bleed through the ballot — will not disqualify votes. Part of this is because ballots are printed in an off-set pattern, meaning "bubbles" for races and measures do not overlap on each side of a ballot."Regardless, using a Sharpie does not invalidate the ballot. Our voting system prevents a situation where if a voter uses a Sharpie to vote and it bleeds through to the other side, it will not impact any 'bubbles' on the opposite side," the Registrar said.The county added that polling locations do not provide Sharpies and instead use "archival pens," which were identified to be the best writing instrument more than a decade ago."In San Diego County, we do not provide Sharpies to voters to mark their ballot. What we use are archival pens, which we researched over 10 years ago as the best marking instrument for a voter. The ink in the archival pen actually helps in preventing bleed through of the ballot while ensuring the 'bubble' is clearly marked," according to the Registrar.As of Thursday afternoon, the county has recorded more than 1.2 million ballots and had about 370,000 left to process. An update on results is expected at 5 p.m. Thursday. 1913