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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) — Some families scrambling to deal with the challenges of distance learning will be getting some help from an unlikely source.For La Jolla High junior Katie Frost, 16, the upcoming school year will be a busy one. She's on the school's track team and JV basketball squad. Along with the usual coarse load, she will be taking college entrance exams. Frost has just added something else to her plate."During these times, people should think of ways to push themselves outside their comfort zone to help," said Frost.Keenly aware of how families are juggling the challenges served up with distance learning, Frost decided to offer free zoom tutoring sessions in math and English for local elementary and middle school students."I know how difficult school can be. I struggled in elementary school ... With the added stresses of distance learning, I'm just want to do my part to help these families and to help the kids excel," said Frost.Frost posted her services on the Nextdoor app, even put out an application. She already has four kids signed up and that number is expected to grow. Depending on the response, she could recruit her friends to create a tutoring club to help more families. Frost says she hopes other teens will also step up and volunteer their time tutoring as well."Instead of thinking of these times as a pause, you can think of it as a time you can change your life and the lives of others. These kids deserve a chance to do well," said Frost. 1487

SAN DIEGO (KGTV) — Since a movie theater was first added to Horton Plaza in 1985, San Diegans downtown have had cinema options at their fingertips.That is, until the plaza fell on tough times, as business slowed and patrons gained more options for retail and entertainment downtown.The trend has now reached the plaza's Regal movie theater, which closed its doors this year. A sign posted on the entrance of the theater says the location was to close on Jan. 27.Since then, Regal Theaters says theater-goers should visit the next closest location — Rancho Del Rey — to redeem discounted tickets or gift cards.RELATED: Plans for Horton Plaza mall reveal tech campus, retail revitalizationThe departure of the theater heralds the next phase planned for the once iconic shopping center, as only a few businesses remain.Plans revealed last year show real estate firm Stockdale Capital Partners, which has purchased the property in 2018, has other ideas. A hub for mixed-use offices, retail, restaurants and a new name: The Campus at Horton.The firm plans to use the center to cater to the tech industry, moving past the center's prime days as a shopping center and into a vision that includes green space, technology employers, and "captivating entertainment."RELATED: Grocery chain suing Horton Plaza over millions in sales lossesConstruction on Stockdale's project is expected to start this year, while the renovation is slated to be completed in fall 2020. 1463

SAN DIEGO (KGTV) - Since the deadly shooting in Parkland, Florida last month, the San Diego County District Attorney's office has seen 19 cases of local school threats.Nine juveniles so far have been charged criminally, according to District Attorney Summer Stephan."We can't assume that the threat is a joke," Stephan said.Stephan said that even though there is not an intent to carry out a school shooting, the person behind a social media threat could face a felony charge if they determine there is an intent to cause fear.Students could receive consequences ranging from custody time, community service, additional mental health services, restorative justice, or access to social media taken away ordered by a judge.San Diego County school threat timeline:"When they hear the judge mention taking their social media away, you can see their faces change over that," Stephan said. "It's important that parents and [the] community really talk to their kids."Stephan said investigators look at a number of factors when determining which cases rise to the level of charges."We have to look at do they have access to weapons? Have they acquired weapons recently? Have they visited websites that indicate a fascination with school shootings and violence?" Stephan said.Of the 19 cases, Stephan said eight cases "did not rise to the level" of criminal charges. However, she said they will work with the minor and the family to prevent a similar situation in the future. A couple of the other cases are still under investigation. 1533

SAN DIEGO (KGTV) - Some residents picking up trash in a City Heights neighborhood were met by a disturbing sight and an ominous warning near a homeless encampment.Blocks from an elementary school on Fairmont Avenue, Matt Armstrong and a friend collected more than seven bags of trash in a culvert near the small encampment Wednesday. The next day, he and his friend were at it again, when they saw it. In front of a tent and hanging from a limb was a noose and a handmade sign inches away."It says, 'Trespassers will hang by the heads,'" said Armstrong.Armstrong, a black belt, wasn't intimidated, but the warning is one he takes seriously."Something like this sends a message that they will hurt you. There are no rules. It's disconcerting," said Armstrong.The safety issue becoming more prominent the last few years as more and more local residents have reported to 10News about encounters with aggressive transients. Unwilling to back down, Armstrong ventured back into the brush, where several homeless told him the transient who hung the noose wasn't there."They told me it was a joke, but it's not funny to me. People should not feel unsafe in their own neighborhood," said Armstrong.Armstrong also filed a complaint about the noose with the city. We reached out to city officials but have yet to hear back. 1346