Business Disaster Recovery Assistance

Was your business impacted by Hurricane Michael or Red Tide? We are here to provide access to the capital and resources you need to recover.

If your business was adversely impacted by a state or federally-declared disaster, your business may qualify for a no-interest state and/or a low-interest federal business disaster loan. On this page, you will find a wealth of information to help you with your business recovery efforts, including a list of Current Disaster Declarations; information on where to find On-Site Recovery Assistance; details about activated State and Federal Disaster LoansAdditional Resources; information to help you Stay Informed; and more.


SBA and State Declarations

Current Disaster Declarations

State and federal disaster declarations have been issued for the following counties. If you are located in a declared disaster area, your business may be eligible for a disaster loan through the State of Florida Small Business Emergency Bridge Loan program and/or the U.S. Small Business Administration’s (SBA) Business Physical and/or Economic Injury Disaster Loan (EIDL) programs.

Scroll down to the State and Federal Disaster Loans section for more information about these disaster loan programs.

Map Legend

SBA Designated Primary Counties (12)

Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Leon, Liberty, Taylor, Wakulla, and Washington
Eligible to apply for SBA Business Physical and Economic Injury Disaster Loans


SBA Contiguous Counties (5)

Dixie, Jefferson, Lafayette, Madison, and Walton
Eligible to apply for SBA Economic Injury Disaster Loan


State Designated Counties (35)

Alachua, Baker, Bay, Bradford, Calhoun, Citrus, Columbia, Dixie, Escambia, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Hernando, Hillsborough, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Manatee, Okaloosa, Pasco, Pinellas, Santa Rosa, Suwanee, Taylor, Union, Wakulla, Walton and Washington
Eligible to apply for the State of Florida Small Business Emergency Bridge Loan


On-Site Recovery AssistanceSBA and State Declarations

In times of disaster, the Florida SBDC Network, in partnership with the U.S. Small Business Administration, establishes Business Recovery Centers in communities most adversely impacted for affected businesses to receive on-site assistance with preparing disaster loan applications and other post-disaster challenges.

Businesses needing assistance may go to one of the following temporary Business Recovery Centers or their local Florida SBDC office.

For more information, contact the Florida SBDC Network Headquarters at Disaster@FloridaSBDC.org or toll-free at (866) 737-7232.

Note:  Locations are current as of 12/10/2018

1. Bay County (Panama City)
Joint Disaster Recovery Center (FEMA/SBA) & Mobile Business Recovery Center (SBA/SBDC)
Bay County Library
898 West 11th St, Panama City, FL 32401 
Opened: Tues, Oct 16
BRC Operating Days: Mon-Sat (Closed Sundays)
BRC Operating Hours: 8:00 am – 5:00 pm CST

Mobile Business Recovery Center (SBA/SBDC)
Mexico Beach
BRC closed permanently Sat, Dec 8


2. Calhoun County (Blountstown)
BRC closed permanently Fri, Dec 7


3. Franklin County (Carrabelle)
Joint Disaster Recovery Center (FEMA/SBA) & Business Recovery Center (SBA Only)
Franklin County Public Library
311 St James Ave, Carrabelle, FL 32322
Opened: Wed, Oct 17
BRC Operating Days: Mon-Sat (Closed Sundays)
BRC Operating Hours:
Mon-Fri, 9:00 am – 6:00 pm EST
Saturdays, 10:00 am – 2:00 pm EST


4. Gadsden County (Gretna)
Joint Disaster Recovery Center (FEMA/SBA) & Business Recovery Center (SBA/SBDC)
Old Gretna Elementary
706 Martin Luther King Jr Blvd, Gretna, FL 32332
Opened: Wed, Oct 24
BRC Operating Days: Mon-Fri
(Closed Saturdays and Sundays)
BRC Operating Hours:
Mon-Fri, 9:00 am – 6:00 pm EST


5. Gulf County (Port St. Joe)
Joint Disaster Recovery Center (FEMA/SBA) & Business Recovery Center (SBA Only)
Port St. Joe Library
110 Library Dr, Port St. Joe, FL, 32456

Opened: Mon, Oct 22
BRC Operating Days: Mon-Sat (Closed Sundays)
BRC Operating Hours:
Mon-Fri, 
9:00 am – 6:00 pm EST
Saturdays, 10:00 am – 2:00 pm EST

 

 

Holmes County 
See “Washington County”


6. Jackson County (Marianna)
Joint Disaster Recovery Center (FEMA/SBA) & Business Recovery Center (SBA/SBDC)
University Extension Office
2741 Penn Ave, Marianna, FL 32448
Opened: Wed, Oct 24
BRC Operating Days: Mon-Sat (Closed Sundays)
BRC Operating Hours: 9:00 am – 6:00 pm CST


7. Leon County (Tallahassee)
Business Recovery Center – None Established
Businesses needing assistance and information may visit the local SBDC office:
Florida SBDC at Florida A&M University
625 E. Tennessee St, Tallahassee, FL, 32308
Phone: (850) 599-3407


8. Liberty County (Bristol)
BRC closed permanently Sat, Dec 8


9. Taylor County (Perry)
BRC closed permanently Sat, Dec 8


10. Wakulla County (Crawfordville)
BRC closed permanently Wed, Dec 5


11. Washington County (Chipley)
Note: Also serving Holmes County
Joint Disaster Recovery Center (FEMA/SBA) & Business Recovery Center (SBA Only)
U.S. Department of Agriculture Center
1424 Jackson Ave, Chipley, FL 32428
Opened: Mon, Oct. 22
BRC Operating Days: Mon-Sun
BRC Operating Hours: 8:00 am – 7:00 pm CST

 


State and Federal Disaster Loan Programs 

  • Florida Small Business Emergency Bridge Loan (EBL) Program

    Following activation by the Governor, the Florida Small Business Emergency Bridge Loan Program provides short-term, interest-free loans to businesses impacted by a disaster. Administered by the Florida Department of Economic Opportunity (DEO) in partnership with the Florida SBDC Network and Florida First Capital Finance Corporation (FFCFC), the Florida Small Business Emergency Bridge Loan helps businesses bridge the gap between the time damage is incurred and when a business secures other financial resources, including payment of insurance claims or longer-term Small Business Administration loans. Learn more at www.floridadisasterloan.org.

    Activated:  Hurricane Michael

    Application Filing Deadline Extended:  December 31, 2018
    The application filing deadline has been extended to 11:59 PM EST, December 31, 2018 for eligible small businesses located in the following fourteen (14) counties, contingent on availability of funds: Bay, Calhoun, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Walton, Wakulla, and Washington

    Original Application Filing Deadline: December 7, 2018
    The application filing deadline is 11:59 PM EST, December 7, 2018 for the following twenty-one (21) counties:  Alachua, Baker, Bradford, Citrus, Columbia, Dixie, Escambia, Gilchrist, Hamilton, Hernando, Hillsborough, Lafayette, Levy, Madison, Manatee, Pasco, Pinellas, Santa Rosa, Suwanee, Taylor, and Union

    Click Here
    to Learn More and Get Started


    A
    ctivated:  SW Florida Red Tide

    Application Filing Deadline: December 16, 2018, contingent on availability of funds
    Click Here to Learn More and Get Started

    PLEASE BE AWARE OF THE FOLLOWING:  

    • An application is considered received if the applicant has delivered a completed application before the end of the application period.
    • Delivered means that the completed application has been hand delivered, received by courier, or postmarked by an authorized courier (i.e. USPS, UPS, FedEX) prior to the end of the application period.
    • Completed application means that the applicant or applicant’s representative has legibly completed all required fields included on the application form, including but not limited to the signature of all required applicants AND provided in whole copies of all required documents.
    • Edits to the application form or acceptance of required documents after the application period are prohibited.
    • Find the application, loan eligibility, and requirements at www.FloridaDisasterLoan.org.

    U.S. SBA Business Physical Disaster Loans

    Following the activation of a presidential disaster declaration, impacted businesses may apply for low-interest loans through the U.S. Small Business Administration’s Business Physical Disaster Loan Program. Businesses and most private non-profit organizations located in a declared disaster area that incurred damage during a disaster may apply for a low-interest loan to help replace or restore damaged property when federal assistance is activated. Learn more at: https://disasterloan.sba.gov/ela

    Activated:  Hurricane Michael

    Application Filing Deadline:  December 10, 2018  |  Click Here to Learn More and Get Started

    U.S. SBA Economic Injury Disaster Loans (EIDL)

    Following the activation of a presidential disaster declaration, impacted businesses, small agricultural cooperatives, and private nonprofit organizations may apply for low-interest loans through the U.S. Small Business Administration’s Economic Injury Disaster Loan (EIDL) Program. If you are in a declared disaster area, have suffered substantial economic injury regardless of physical damage, and you are a small business, small agricultural cooperative, or private nonprofit organizations, you may qualify for an EIDL. EIDLs provide working capital to help businesses survive until normal operations resume after a disaster.

    Activated:  Hurricane Michael

    Application Filing Deadline:  July 11, 2019  |  Click Here to Learn More and Get Started

    Activated:  Red Tide Algal Blooms

    Application Filing Deadline:  June 4, 2019  |  Click Here to Learn More and Get Started

    Activated:  Toxic Algal Blooms

    Application Filing Deadline:  June 4, 2019  |  Click Here to Learn More and Get Started


Take the State of Florida’s Business Damage Assessment Survey  

The state’s Business Damage Assessment Survey has been activated and businesses that have been affected by Hurricane Michael, the Red Tide, and/or the Lake Okeechobee Discharge/Algal Blooms are strongly encouraged to complete the survey by clicking here. Businesses should choose “2018 Michael”, “Red Tide”, and/or “Lake Okeechobee Discharge/Algal Blooms” in the drop-down menu. Please note, the Business Damage Assessment Survey is the tool the state uses to determine the deployment of resources. It is NOT an application for a business disaster loan.


Additional Business Recovery Resources and Information

STATE

FloridaDisaster.biz
Includes information and resources for registered businesses that are impacted by a disaster, including news and what to do following a disaster. The site also houses the online Business Damage Assessment Survey where business owners can share the extent of damages they suffered. Please note, the Business Damage Assessment Survey is the tool the State uses to determine the deployment of resources. It is NOT an application for a business disaster loan.

Other Loan Programs – www.FloridaJobs.org | www.EnterpriseFlorida.com/small-business
For businesses that may not qualify for one of the disaster loan programs, there are several other state loan programs through DEO and Enterprise Florida that you may be eligible to apply for, including but not limited to the Microfinance Loan Guarantee Program and the State of Small Business Credit Initiative Loan Guarantee and Participation Programs.

Florida Division of Emergency Management – www.FloridaDisaster.org/DEMbusiness.asp
Created by the Florida Division of Emergency Management, the state of Florida’s official portal for businesses provides a toolkit of general and specific information to help businesses prepare and recovery from a disaster.

Disaster Unemployment Assistance (DUA) – www.FloridaJobs.org or call 1-800-385-3920
Disaster Unemployment Assistance provides financial assistance to individuals whose employment or self-employment has been lost or interrupted as a direct result of a major disaster and who are not eligible for regular unemployment insurance benefits.

Disaster Dislocated Worker Program – https://CareerSourceFlorida.com/your-local-team
The Disaster Dislocated Worker Program is administered by DEO and provides disaster relief employment in the form of temporary jobs that support storm response and recovery efforts. Visit your local CareerSource center for more details.

Employ Florida – http://DisasterRecovery.EmployFlorida.com
Disaster cleanup and other related job openings are now available through Employ Florida for businesses to post job openings and for individuals to find job opportunities.

Attorney General Bondi’s Price Gouging Hotline – 1-866-9-NO-SCAM

Insurance Helpline – 1-877-693-5236

FEDERAL

1st Step: Federal Emergency Management Agency (FEMA) – www.DisasterAssistance.gov
This is the general disaster assistance website from the Federal Government. Before applying for a SBA disaster loan, businesses are strongly encouraged to register with FEMA.

Other SBA Loan Programs – www.SBA.gov
For businesses that may not qualify for one of the disaster loan programs, there are several other federal loan programs that you may be eligible to apply for, including but not limited to the 7(a), Real Estate & Equipment, and Microloan Programs.

Tax Relief for Victims of Hurricane Michael (Florida) – www.irs.gov
The IRS extended deadlines that apply to filing returns, paying taxes, and performing certain other time-sensitive acts for certain taxpayers affected by Hurricane Michael. Visit the website for current news and information, tax tips, videos, and other resources.

Association of Procurement Technical Assistance Centers – www.APTAC-US.org
Businesses can find disaster relief contracting information here.

Vendor Disaster Recovery Assistance Resources – Guide
For information on disaster recovery and relief contracting in Florida, please see the attached guide ‘Florida PTAC – Vendor Disaster Recovery Assistance Resources’. For Hurricane Michael, the counties most affected are Bay, Franklin, Gulf, Taylor, and Wakulla Counties.

LOCAL

Florida County and City Government Websites – www.MyFlorida.com/counties | www.MyFlorida.com/cities
Find disaster resources and information at the county and city levels on these websites.


Stay Informed

  • 850-815-4925 – The Private Sector Hotline has been activated by the state for business inquiries about the storm, preparedness information, and post-impact information.
  • 800-342-3557 – The Florida State Assistance Information Line (SAIL) is a toll-free hotline activated at the time of an emergency to provide an additional resource for those in Florida to receive accurate and up-to-date information regarding an emergency or disaster situation impacting the State of Florida. SAIL is currently activated and available 24 hours/7 days a week.
  • www.FloridaDisaster.org – The state’s official source of general and specific information for individuals and businesses about Hurricane Irma from the Florida Division of Emergency Management.
  • www.FloridaDisaster.org/DEMbusiness.asp – the Florida Division of Emergency Management Business Toolkit.
  • Florida 511 – Information on roadway conditions and closures is available 24 hours a day, 7 days a week on Florida 511. Drivers may dial 511 from their mobile phones to receive updates. 511 is a free resource, however, cell phone minutes and text message charges may apply. Updates are also available on the web at www.FL511.com.
  • VISIT Florida has activated the Expedia/VISIT Florida Hotel Accommodation Web Portal to support evacuation orders.  www.expedia.com/florida
  • Airbnb Open Homes is now active in Alabama, Florida and Georgia in response to Hurricane Michael.   www.airbnb.com/welcome/evacuees/hurricanemichael

Have questions?

In times of disaster, small businesses that sustain physical and/or economic injury are encouraged to contact their local Florida SBDC for help understanding state and federal disaster loans available, completing applications, and answering any related questions they may have about disaster loans and the recovery process. The Florida SBDC Network has also established a business disaster hotline for questions at (850) 898-3479, toll-free at 866-737-7232 or Disaster@FloridaSBDC.org.

Find your local Florida SBDC by clicking here.