During this time of rapid changes, the information below will be updated as new resources become available. If you need special assistance, please contact us. We stand ready to assist.

Small Business Owner's Guide to the CARES Act

The programs and initiatives in the Coronavirus Aid, Relief, and Economic Security (CARES) Act are intended to assist business owners with whatever needs they have right now.  As implemented, there are many new resources available for small businesses, as well as certain non-profits and other employers.  This guide provides information about the major programs and initiatives that are available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of the SBA.    

Economic Injury Disaster Loan Advance

On March 29, 2020, following the passage of the CARES Act, the SBA provided small business owners and non-profits impacted by COVID-19 with the opportunity to obtain up to a $10,000 Advance on their Economic Injury Disaster Loan (EIDL). The Advance is available as part of the full EIDL application and will be transferred into the account you provide shortly after your application is submitted. To ensure that the greatest number of applicants can receive assistance during this challenging time, the amount of your Advance will be determined by the number of your pre-disaster (i.e., as of January 31, 2020) employees. The Advance will provide $1,000 per employee up to a maximum of $10,000.  You may be eligible for another loan program, the Paycheck Protection Program, which is available through participating lenders.  

Get Local SBA Assistance

Paycheck Protection Program (PPP)

U.S. Senate Committee on Small Business & Entrepreneurship Paycheck Protection Program FAQs for Small Businesses.  You can apply for the Paycheck Protection Program (PPP) at any lending institution that is approved to participate in the program through the existing U.S. Small Business Administration (SBA) 7(a) lending program and additional lenders approved by the Department of Treasury.  Click here for the SBA Paycheck Protection Program website.       Read the full press release here.  A list of Paycheck Protection Program lenders is available here.  

U.S. Small Business Administration Disaster Loan Resources

The SBA provides low-interest disaster loans to help businesses and homeowners recover from declared disasters.  On March 29, 2020, following the passage of the CARES Act, the SBA provided small business owners and non-profits impacted by COVID-19 with the opportunity to obtain up to a $10,000 Advance on their Economic Injury Disaster Loan (EIDL). The Advance is available as part of the full EIDL application and will be transferred into the account you provide shortly after your application is submitted. To ensure that the greatest number of applicants can receive assistance during this challenging time, the amount of your Advance will be determined by the number of your pre-disaster (i.e., as of January 31, 2020) employees. The Advance will provide $1,000 per employee up to a maximum of $10,000.

Internal Revenue Service

The IRS has established a special section focused on steps to help taxpayers, businesses and others affected by the coronavirus.  This page will be updated as new information is available.  Other links with information about actions being taken by the U.S. government are also below.  More CARES Act Assistance for small businesses is available on the US Department of the Treasury here.

Florida Department of Revenue

The Florida Department of Revenue is monitoring developments pertaining to the coronavirus and is following guidance from federal and state officials.  The Department has established a dedicated team to address tax related issues pertaining to COVID-19 and has created an email address, COVID19TAXHELP@FloridaRevenue.com.  The Department encourages all taxpayers to conduct their business through online services.  Use eServices applications to file and pay taxes; or contact the call center at (850) 488-6800.

US Economic Development Administration

EDA has a long history of successfully supporting disaster recovery and resiliency efforts. EDA's role in disaster recovery is to facilitate the timely and effective delivery of Federal economic development assistance to support long-term community economic recovery planning and project implementation, redevelopment and resiliency. EDA is uniquely positioned to coordinate regional disaster recovery efforts in partnership with its extensive network of Economic Development Districts (EDDs), University Centers, institutions of higher education and other partners in designated impact areas.

Pandemic Unemployment Assistance (PUA)

The Federal Pandemic Unemployment Assistance (PUA) program provides unemployment benefits to those that may not otherwise be eligible under Florida’s state Reemployment Assistance program, including independent contractors and individuals who are self-employed. Individuals who have been impacted by COVID-19 and believe they may be eligible for Pandemic Unemployment Assistance, can visit FloridaJobs.org and select "File a Claim" to apply and be considered for PUA.

Reemployment Resources

COVID-19 Resources for Employers and Individuals

Reemployment Assistance benefits are available to Floridians who have been negatively impacted as a result of the mitigation efforts to stop the spread of COVID-19. Eligible individuals include those who have lost their job through no fault of their own, are quarantined by a medical professional or a government agency, laid off or sent home without pay for an extended period by their employer, or caring for an immediate family member who is diagnosed with COVID-19.  Reemployment Assistance benefits, formerly known as Unemployment Compensation, can be filed online below.  Floridians who do not have a current open Reemployment Assistance claim should complete their application online at www.FloridaJobs.org/RAApplication.  To utilize the user-friendly online Reemployment Assistance application or to download the paper Reemployment Assistance application, Floridians should visit www.FloridaJobs.org/COVID-19.

Connex Florida

A critical support opportunity for Florida manufacturers

The Associated Industries of Florida (AIF) in partnership with Space Florida and FloridaMakes today announced the deployment of an online database for Florida’s small to large manufacturers to engage in the marketplace. The online database, Connex Florida, started as a disaster risk mitigation effort in the aftermath of Hurricane Irma and is proving to be a critical tool to streamline connections between Florida manufacturers and businesses in need of their products during the COVID-19 pandemic.  Connex Florida is a statewide manufacturing supply chain, workforce and R&D connection solution offered free of charge to manufacturers, educational institutions, and those performing manufacturing R&D in Florida. To request access to the platform visit Florida.MfgConnex.com, or for more information view PDF or contact Connex@FloridaMakes.com.

Rebuild Florida Business Loan Fund

The Rebuild Florida Business Loan Fund is making $40 million in state and federal funds available to help with long term economic recovery. The federal fund will assist existing and new businesses that were impacted directly or indirectly by a disaster to rebuild and expand. Administered by the Florida Department of Economic Opportunity, the Business Loan Fund will target industries identified by the state as key strategic markets for future growth and will focus on creating and enhancing the diversification and resiliency of Florida’s economy. The Fund will address the current gap in available, affordable capital for businesses by providing longer term loans with higher funding levels at market interest rates.

The Business Loan Fund can provide an eligible business with up to $500,000 in financing for the following purposes:

  • Inventory Purchases
  • Construction or renovation
  • Working capital needs
  • Capital start-up loans
  • Machinery and equipment purchases
  • Equipment financing, and more


For more information on the Rebuild Florida Business Loan Fund please call 833-832-4494 or email FloridaBusinessLoanFund@deo.myflorida.com.

Microfinance Guarantee Program

Enterprise Florida is suspending initial fees (normally 2%) to assist small businesses with access to credit.

The Microfinance Guarantee Program was designed to stimulate access to credit for entrepreneurs and small businesses in Florida by providing targeted guarantees to loans made to such entrepreneurs and small businesses. Just like the SSBCI program, the Microfinance Guarantee Program does not offer grants, and is not a direct loan program, so you do not apply directly to Enterprise Florida Inc.. The program is designed to provide loans guarantees to lenders that extend credit to small businesses in Florida.  Therefore, EFI suggests you establish contact and a relationship with a local lender in your area and discuss your financing needs.

Health Information

This section features health information and resources about the COVID-19 virus.  The Centers for Disease Control and Prevention (CDC) is leading this communication.