It used to cost her around $25 to fill up her Toyota Corolla. She’s spent closer to $40 since the Iran war began and pushed up the average U.S. price for a gallon of regular gasoline by $1. Sherman-Shafer, a retired dental office assistant who picks up Uber passengers five days a week, said she’s putting in extra hours to cover the difference.

“We don’t get reimbursed for gas. We rely on the generosity of the tip,” Sherman-Shafer said. Some passengers have tipped more to compensate for higher gas prices, but most don’t tip at all, she said.

Driving a car, van or truck is a big part of many Americans’ workdays. Nearly 27% of civilian workers cited driving as a physical demand of their jobs last year, according to the U.S. Bureau of Labor Statistics. Millions of drivers use personal vehicles for their work, from delivery and ride-share providers like Sherman-Shafer to self-employed electricians, nannies, home health care aides and real estate agents.

As the war enters a fifth week and continues to disrupt global oil supplies. many of those workers are now scrambling to make ends meet. The national average price for gas reached $3.99 per gallon on Monday, up 34% from a month earlier, according to AAA.

“With everything going up, it’s impossible to save a dime,” Sherman-Shafer said.

Some companies compensate employees for using their own vehicles, including the cost of gas. In the U.S., the Internal Revenue Service sets a standard mileage rate every year that businesses and private contractors can use to calculate tax deductions. Alpine Maids, a housekeeping company based in Denver, pays cleaners the 2026 federal reimbursement rate of 72.5 cents per mile for the distance they drive to clients’ homes.

But with gas prices spiking, that money is not going as far, said Chris Willatt, a former geologist who now runs Alpine Maids.

“Our maids drive their own cars, so it’s kind of like their paycheck got smaller,” Willatt said. “They’re all upset.”

Willatt said he reduced how often maids must report to the office, from daily to once a week, and rejiggered cleaning assignments so employees aren’t driving as far between clients. If gas prices climb further, he said he might increase what he charges customers so he can pay workers more.

Molly Kenefick, the owner of Doggy Lama Pet Care Inc. in Oakland, California, said she recently raised her gas reimbursement rate to 80 cents per mile for 15 employees who use their own vehicles to pick up dogs and take them for hikes around the Bay Area. The rate increase will stay in place until gas prices in their area drop below $5 for at least a month, she said.

Kenefick said she planned to raise prices for the company’s services in May. But she doesn’t want to increase them too much because she’s worried she’ll lose clients. So Kenefick is also dipping into her savings to pay for gas.

“The economy is hard for people. Everybody’s under strain,” she said. “I can take some of the load and the company can take some of the load, provided this doesn’t go on too long.”

Ride-hailing and food delivery platforms that rely on gig workers don’t reimburse drivers for gas, but some are offering temporary incentives in response to rising gas prices. DoorDash, Uber, Lyft and Instacart are providing more than the usual cash back on gas purchases for drivers who use company-branded debit cards. DoorDash and Instacart are giving a weekly fuel payment to drivers who travel 125 miles or more making deliveries.

Sarah Noell, who spends about 20 hours a week making deliveries for DoorDash in Lynchburg, Virginia, said the measures help somewhat. But she said she’s noticed more customers declining to add tips to their orders as gas prices have increased.

Noell has started refusing any order that won’t average out to $1 per mile, including the $2.50 per order she gets from DoorDash. That cancels out many users who aren’t tipping or give only small tips.

“It takes nearly double the cost to fill my tank,” Noell said. “Ten dollars used to get me a decent amount. Now it only gets me 3 gallons.”

Owners of diesel-powered vehicles have seen even steeper fuel price increases since the war started on Feb. 28, affecting drivers around the world.

Drivers of diesel-powered “jeepneys” in the Philippines, went on strike for two days last week to protest their higher costs. In France, dozens of buses and trucks drove slowly on the Paris ring road Monday to demonstrate their concerns about rising diesel prices. Drivers and businesses want the French government to provide aid to mitigate the impact.

“The major difficulty right now is finding our balance on our business since we sold services with the vehicles at a certain price for diesel that was much cheaper. And we’re not going to ask customers to pay that difference,” Sarah Bahezre, manager of the bus transportation company Ulysse Cars, told The Associated Press.

Average U.S. diesel prices climbed 44% over the last month, according to AAA.

A few weeks ago, Rachel Hunter paid $3.62 a gallon to fill the single diesel truck used by Cactus Crew Junk Removal & Thrift Store, a Phoenix business she and her husband co-founded. The same fuel now costs $6.09 per gallon in Phoenix, according to AAA.

The truck carries all kinds of heavy cargo, from slabs of solid maple bowling lanes to loads of concrete paver tiles. So fuel costs quickly add up, Hunter said, particularly with a truck that only gets 12 or 13 miles to the gallon.

Hunter has started quoting prices that reflect the jump in prices. She worries she’s in a “vicious circle” that could hurt the business if oil prices remain high.

“We don’t want to get a bad name for being overpriced,” she says. “I’ll be able to explain it where people can understand, but it doesn’t mean they can afford it.”

The post Rising gasoline prices are a double blow for drivers who use their own vehicles for work appeared first on The Hemet & San Jacinto Chronicle.

The SBA limited access to its loans to U.S. citizens and nationals only starting in March, and expanded that policy to SBA-backed loans beginning in April. On top of that, any business that’s even partly owned by a permanent legal resident with a green card is no longer eligible for the loans.

California — which has the most small businesses and the largest immigrant population in the nation — could be most affected. SBA loans have been important to immigrant entrepreneurs because they typically are low-interest and available to those without an established credit history. The agency has also backed loans by private funders, providing a government guarantee for people banks may deem riskier. Now, all those loans are off the table for owners and would-be owners of restaurants, bake shops, law practices, medical clinics, taxi medallions, nail salons and more who hold green cards.

Small business owners are responsible for 99% of net new jobs in the state, according to the California Office of the Small Business Advocate. Immigrant entrepreneurs make up 40% of the state’s business community and generated $28.4 billion in income in 2023, according to GO-Biz, the governor’s office of business and economic development.

Small Business Majority, a national business advocacy group, wrote to the SBA in mid-March, urging the federal agency to reconsider the changes. The letter, signed by dozens of state and national groups and chambers of commerce, called the new policies “a misguided approach that ignores critical economic data underscoring the job creating power of the immigrant community.”

The SBA has a limited lending capacity, said Maggie Clemmons, a spokesperson for the agency. “The agency’s rule change will help ensure more American citizens have access to funding previously granted to noncitizens,” she said in an email.

The SBA approved 3,358 loans for small businesses owned partly by a lawful permanent resident in fiscal year 2025, largely during the Biden administration, Clemmons said. That represented 4% of the 85,000 loans approved by the agency. In California, the changes could affect about 220,000 small business owners who hold green cards, said Carolina Martinez, chief executive of CAMEO Network, a national association of organizations that support small businesses.

“The most important thing for us is to really understand that this SBA decision… is really bad for the American economy,” Martinez said.

Pursuing the American Dream

Cristina Foanene, a Romanian immigrant who arrived in the United States 20 years ago, was a green-card holder when she obtained an SBA loan in 2018 that allowed her and her husband to buy a building and expand their glass company, MCS Glass, in Fresno. They now have 30 employees.

“The loan gave us an opportunity to create more jobs, to have an even greater impact in our community,” Foanene said. Their goal is to manufacture more products and create more positions, she added.

She said she doesn’t know where the business would be today without the SBA loans they received over the years. They just signed their third loan last month, Foanene said, their first as American citizens.

She called herself loyal to this country and said she’s sad that others like her may not have the same opportunities to pursue the American Dream by securing SBA loans while “respecting the laws.”

“It literally breaks my heart,” Foanene said. “There are so many good people with good intentions. I feel it’s unfair.”

Other entrepreneurs or independent contractors also lose a possible safety net that SBA loans once provided.

“During the pandemic, these loans were crucial to people’s survival,” said Dung Nguyen, program and organizing director for California Healthy Nail Salon Collaborative, an organization that advocates for Vietnamese immigrants, many of whom work in the nail-salon industry. The group signed the Small Business Majority’s letter to the SBA.

Nguyen said the nail-salon workers and owners who took out those loans during the pandemic are still paying them back.

‘A new kind of status’

Kenia Zamarripa, spokesperson for the San Diego Regional Chamber of Commerce, which also signed the letter to the SBA, said this latest policy change is another example of how immigrants are more vulnerable as federal funds for other programs have been taken away. Her group and others are pushing for immigration reform that includes a standardized path to citizenship, she said.

“This is a community that’s doing things the right way, looking for a legal path,” she said. “It’s like you’re punishing them for doing the right thing.”

The SBA changes push green-card holders to “informality,” Zamarripa said. “What’s next? What other resources will be taken away? How else will immigrants continue to be targeted?”

Others echo that concern.

“This dialog is really challenging our concept of what undocumented means,” said Gabriela Alemán, a spokesperson for Mission Asset Fund, a San Francisco organization that supports and lends to small business owners. “These are community members that are now being pushed into a new kind of status.”

Mission Asset Fund’s lending circles — modeled after the Mexican community-based lending practice called tandas — can provide up to $2,500 in loans to small business owners. The group just got its California lenders’ license and will eventually be able to provide larger loans, Alemán said.

But it will be tough for groups like it to fill the gap left by the SBA’s new policies for permanent legal residents who may want to start or grow their businesses.

“There are not any other options at this scale (that the SBA provides),” said Brian Kennedy Jr., entrepreneur ecosystem director at AmPac Business Capital, a Los Angeles-area community development financial institution and SBA partner. “We’re talking about $35,000 up to $30 million.”

What’s next

Many small business owners already use — and may increasingly rely on — community development financial institutions and other lenders whose mission is to help people with limited options, credit histories and savings. They could also turn to the state for help. State-funded options include a small business loan guarantee program through its IBank, and programs through the treasurer’s office that reduces risks to lenders by pledging state funds as collateral, or contributing to loan-loss reserves.

Microenterprise Collaborative of Inland Southern California works with lenders, technical assistance providers and community partners to help small business owners in Inland Southern California.

Pamela Deans, the group’s executive director, said the SBA’s policy change will alter how the organization refers entrepreneurs to sources of capital. Rather than pointing them to “a relatively straightforward” SBA process, she said the group will have to inform them of a more fragmented set of options and warn them about predatory lending.

“Many of these would‑be owners will have a much harder time piecing together enough safe, affordable capital to lease a space, buy equipment or cover early working capital — so the taquería, the child care business, the trucking startup may never open in the first place,” Deans said.

Bianca Blomquist, California director for Small Business Majority, also is concerned about small business owners turning to unscrupulous lenders. She said her group found out recently that an owner of a child care business in downtown L.A. took out a $10,000 loan at what she thought was 13% interest. It was actually closer to 250%.

Other advocates are hoping philanthropy and impact investors will step up and make more capital available to small lenders.

“Women, entrepreneurs, immigrants and communities of color always have had to think outside the typical paths,” said Leticia Landa, executive director of La Cocina, a small business incubator in San Francisco. “I do hope, especially in California, that we’re going to come up with something.”

The post Big change for California small businesses: No more SBA loans for non-citizens appeared first on The Hemet & San Jacinto Chronicle.

“As a kid I loved to bake and growing up we always had big family parties and would pay so much money for desserts that were poor quality. So, when I mentioned to my family that I wanted to start selling the desserts I created, they were the first people to order from me and get me started,” she said.

Everything she currently does is a custom order, but she said she would love to start doing local pop-up shops during the upcoming holidays. “I would like to say my specialty is the decorated custom sugar cookies that I make; it is my favorite to do,” Saenz said.

“I am the owner, head baker, and employee of the month 12 times out of the year,” Saenz quipped. Although it’s mainly just her, when she has huge events, such as Soboba’s recent Academic Achievement Awards Ceremony at the Soboba Casino Resort Event Center on July 28, she has plenty of help to call upon.

“I can always count on my two children, Myah and Jerimyah, my parents Mike and Lynn Saenz, my Grams Rosemary, my four amazing aunties Diane, Celena, Amy, and Anita and my four siblings Alicia, Michael, Rayah and Qeweewish,” she said. “They are my biggest support system that will help with anything I need.”

Saenz said her favorite part of owning her own business is that she can control her lifestyle and her schedule. She enjoys being her own boss and building something of her own.

“My favorite part of being able to share my baking skills with everyone is seeing the look on everyone’s faces when I hand them the cakes, cookies, cupcakes or whatever it is that I created,” she said. “It makes all the stress and late nights worth it.”

Well known for her creativity, Saenz said her ideas come from many sources, including social media outlets such as Pinterest, Instagram and TikTok. When someone places an order and sends her a sample of what they would like, she switches some things around to make it her own. But she always delivers a product that customers are excited about.

The only challenge Saenz has experienced is finding the time to do it all. “Because I am basically a one-man band and I have a hard time telling customers ‘no,’ I will sometimes quadruple book in one weekend,” she said.

Dividing her time between the Soboba Indian Reservation and Temecula, the baker’s goal is to one day have her own storefront bakery. “To me, desserts will forever be in style and sugar makes everyone happy so I know I can be successful as long as I continue to work hard,” she said.

Saenz can be reached via email at vsugarrushh1@gmail.com, on Instagram @vs.sugarrush and on TikTok at VSSUGARRUSH.

The post Soboba Tribal Member finds sweet success appeared first on The Hemet & San Jacinto Chronicle.