If your business was adversely impacted by Hurricane Sally, your business may qualify for a no-interest state and/or a low-interest federal business disaster loan. We are here to provide access to the capital and resources you need to recover.

Watch this video to learn about state and federal disaster loan programs.

State and Federal Disaster Loan Programs

CLOSED: Florida Small Business Emergency Bridge Loan

The Florida Small Business Emergency Bridge Loan program provides a source of expedient capital to help small businesses physically or economically impacted by the storm. Administered by the Florida Department of Economic Opportunity (DEO), in partnership with the Florida SBDC Network, and Florida First Capital Finance Corporation, the bridge loan program is a short-term, interest-free working capital loan designed to help eligible small businesses “bridge the gap” between the time of impact and when long-term assistance, such as federal disaster loans, is available. Eligible businesses with two to 100 employees can apply for a bridge loan up to $50,000 or, in special cases, $100,000 if warranted by the needs of the business.

Counties: Escambia, Okaloosa, and Santa Rosa
Deadline: November 14, 2020 or when funds are expended
Learn More and Apply Online:

CLOSED: U.S. SBA Business Physical Disaster Loan

The SBA’s Business Physical Disaster Loan program provides loans to qualified businesses to repair or replace disaster-damaged property owned by the business, including real estate, inventories, supplies, machinery and equipment. Businesses of any size are eligible. Private, non-profit organizations such as charities, churches, private universities, etc., are also eligible. Interest rates will not exceed 4 percent per year and the SBA customizes loan amounts and terms up to a maximum of 30 years. The maximum combined (business physical and EIDL) amount that can be borrowed is $2 million.

Counties: Bay, Escambia, Okaloosa, Santa Rosa, and Walton
Deadline:  December 1, 2020
Learn More and Apply Online:

ACTIVATED: U.S. SBA Economic Injury Disaster Loan

The SBA’s Economic Injury Disaster Loan program provides working capital loans to help qualified small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, non-profit organizations of all sizes meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster. These loans are intended to assist through the disaster recovery period. Interest rates will not exceed 4 percent per year and the SBA customizes loan amounts and terms up to a maximum of 30 years. The maximum combined (business physical and EIDL) amount that can be borrowed is $2 million.

Counties:  Bay, Calhoun, Escambia, Gulf, Holmes, Jackson, Okaloosa, Santa Rosa, Walton, and Washington
Deadline:  July 2, 2021
Learn More and Apply:

Applying for SBA Disaster Loans

To apply for SBA disaster loans, businesses must first register with the Federal Emergency Management Agency (FEMA) at or download the FEMA mobile app. If online or mobile access is unavailable, applicants should call the FEMA toll-free helpline at 800-621-3362.

Upon registration with FEMA, businesses may apply for a disaster loan by applying online at

Frequently Asked Questions

Click here to view the FAQs.

Need Assistance?

Florida SBDC business consultants, many of whom are Disaster Recovery Institute (DRI) Certified Business Continuity Professionals, are available to assist small businesses prepare disaster loan applications and with other post-disaster challenges at no cost.

Click here to connect with the Florida SBDC at UWF for assistance.

The SBA has also opened the following in-person Business Recovery Centers (BRCs) and a Virtual Business Recovery Center (VRC) to assist survivors apply. The BRCs are open 7 days a week from 8:00 am – 8:00 pm and the VBRC is open Monday – Sunday from 7:00 am – 7:00 pm (Central Time). Call (800) 659-2955 or email

Escambia County BRC
East Pensacola Heights Clubhouse
3208 East Gonzalez St., Pensacola 32503

Okaloosa County BRC
Bridgeway Center, Building C
205 Shell Ave., Fort Walton Beach 32548

Learn more about our disaster preparedness, resiliency, and recovery services here.

Business Damage Assessment Survey

We strongly encourage small businesses in the Florida Panhandle impacted by Hurricane Sally to complete the state’s Business Damage Assessment Survey  The survey, administered by the Florida Department of Economic Opportunity (DEO), is not an application for disaster assistance, but rather assists state officials in determining the extent of impact and need for federal and state disaster assistance.

“The Business Damage Assessment Survey allows the state to understand the level of impact and unique needs the business community has after a disaster event,” said Dr. Cheryl Kirby, Interim CEO of the Florida SBDC Network. “It is critical businesses fill out the survey to help to activate vital recovery programs and get communities back to work.”

Click here to take the survey.