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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 weather is cooling down and while you can’t cozy up to a fireplace, a cup of hot chocolate may be the perfect holiday treat.San Diego Family Magazine compiled a list of chocolate goodness you can enjoy with the family.Le Parfait ParisPoint Loma, Liberty Public Market, 2820 Historic Decatur RoadDowntown, 555 G. St.Creme & SugarDel Mar, 2646 Del Mar Heights RoadEclipse Chocolate Bar & BistroSouth Park, 2145 Fern StreetChocolat CremerieDowntown, 509 5th Ave.The MissionNorth Park, 2801 University Ave.East Village, 1250 J StreetHash House a Go GoHillcrest, 3628 5th Ave.Romesco Mexiterranean BistroBonita, 4346 Bonita RoadGhirardelli Ice Cream & Chocolate ShopDowntown, 643 5th Ave.See more great hot chocolate spots at San Diego Family Magazine. 798

SAN DIEGO (KGTV) -- Since they got the call for help a week ago, San Diego Border Dreamers has been working around the clock to set up an emergency medical clinic in Tijuana.Board Director Milad Torabi says he's getting word migrants have conditions including fevers, rashes, blisters and bad sunburns. On a Go Fund Me, they're raising money for basic medical, first aid, and sanitary supplies.The advocacy group is partnering with two UC San Diego organizations which specialize in this area: Flying Samaritans and the International Health Collective.They're accepting monetary donations as well as medical supplies.San Diego Border Dreamers is also seeking doctors, nurses, medical students, acupuncturists, physical therapists and medical translators willing to volunteer their time. 799

SAN DIEGO (KGTV) — San Diego's museums received a glimmer of hope following the reveal of California's new guidance.That's because San Diego County was placed in the second tier, "substantial." Now, several businesses will have to opportunity to reopen, as they did in June, with modifications indoors.The San Diego Air and Space Museum announced it plans to reopen on Monday. When the museum reopened in June, staff implemented safety policies including capacity limits, social distancing, facemasks for guests and employees, hand sanitizer stations, and continuous cleaning. Museum staff also were required to have their temperatures screened daily before entering.RELATED: Several San Diego County businesses to reopen indoors with limits under new guidanceThis time around, museums will have to limit indoor activities to 25% capacity in addition to modifications, according to the state's guidance for tier two.The museum is one of a handful of Balboa Park attractions that have been able to welcome guests back. The San Diego Zoo, Japanese Friendship Garden, and Spanish Village Art Center have already been open. Some nearby restaurants have also been open for outdoor service.But several other museums, including the Fleet Science Center, Museum of Us (formerly the Museum of Man), and San Diego Museum of Art have yet to say whether they will reopen under the new guidance.RELATED: SeaWorld's limited reopening frustrates some passholders"We want to make sure people come back to the park, it is the cultural heart of San Diego," Executive Director of the Balboa Park Cultural Partnership Peter Comiskey told ABC 10News back in July, just as museums faced closure again.The San Diego Natural History Museum said earlier this month that doors would remain closed until 2021. The museum says donations made before Aug. 31 will be matched by local philanthropists. The Nat said during its closure, it will also be seeking new sources of grant and gift funding.Museums across San Diego have been forced to stay closed for much of the summer, losing out on revenue that depends on guest tickets and merchandise in many instances."I think as time goes on we need to look at what fund-raising is possible, I think we need to look with those organizations that rely on revenue through the gate," Comiskey said.Comiskey added that conversations are planned on how to supplement lost income for many Balboa Park organizations. 2433

SAN DIEGO (KGTV) — Several San Diego County school districts in the mountain areas are closed Friday due to inclement weather.The affects from a cold winter storm shuttered Julian Union High School District, Julian Union School District, Mountain Empire Unified School District, Spencer Valley School District, and Warner Springs School District schools on Friday. LATEST PINPOINT WEATHER FORECAST | INTERACTIVE RADAR 425

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