Business Disaster Recovery Assistance

We are here to help your business recover from natural or man-made disasters.

When disaster strikes, Florida businesses can find the assistance needed to recover through the Florida SBDC Network’s business disaster recovery services. Our professionally certified business consultants, many of whom are Disaster Recovery Institute (DRI) Certified Business Continuity Professionals, provide no-cost consulting to help you minimize losses and increase survivability. Our specialists can assist in helping affected businesses apply for state and federal disaster loans, as well as other post-disaster challenges, at no cost.

On this page, you will find a wealth of information to help you with your business recovery efforts, including Current Disaster News and Information, State and Federal Disaster Loans, On-site Recovery Assistance, Additional Resources, information to help you Stay Informed, and News and Information related to Hurricane Irma.


Current Disaster News and Information

7/9/2018 – Gov. Scott Issues Emergency Order to Combat Algal Blooms in South Florida
CAPE CORAL, Fla. – Governor Rick Scott today issued an emergency order in Glades, Hendry, Lee, Martin, Okeechobee, Palm Beach and St. Lucie counties to help combat algal blooms caused by Lake Okeechobee water discharges from the Army Corps of Engineers. read more

Important Announcement

The state’s Business Damage Assessment survey, administered by the Florida Virtual Business Emergency Operations Center, has been activated and businesses that have been affected by the algal blooms are strongly encouraged to complete the survey by clicking here. Businesses should choose “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.


State and Federal Disaster Loan Programs 

  • Florida Small Business Emergency Bridge Loan 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.floridadisaster.org

    This loan program is currently inactive.

  • U.S. Small Business Administration (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

    This loan program is currently inactive.

  • U.S. Small Business Administration (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.

    This loan program is currently inactive.

  • Other State and Federal Loan Programs

    For businesses that may not qualify for one of the above-mentioned disaster loan programs, below are several other federal and state loan and loan support programs that you may be eligible to apply for.  As we learn of other loan programs, they will be posted here.

    • U.S. SBA General Small Business Loans – 7(a): The 7(a) Loan Program, SBA’s most common loan program, includes financial help for businesses with special requirements. click here for details

    • U.S. SBA Real Estate & Equipment Loans – CDC/504: This loan program provides financing for major fixed assets such as equipment or real estate. click here for details

    • U.S. SBA Microloan Program: The Microloan program provides loans up to $50,000 to help small businesses and certain not-for-profit childcare centers start up and expand. click here for details
    • The Florida Department of Economic Opportunity, working in conjunction with Enterprise Florida, Inc., offers numerous loan support programs to assist small businesses with improving their opportunities in obtaining loan approvals and accessing credit, including but not limited to the Microfinance Loan Guarantee Program and the State of Small Business Credit Initiative Loan Guarantee and Participation Programs. Visit their websites at www.FloridaJobs.org and www.EnterpriseFlorida.com for a complete list and more information.

Helping businesses recover from Hurricane Irma was a team effort.
Click here
to learn about the Florida SBDC’s efforts to help small businesses preprere, respond, recover, and rebuild from Hurricane Irma and become more resilient when faced by disasters in the future. Read encouraging stories from businesses across the state who secured Emergency Bridge Loans by clicking here.


On-Site Recovery Assistance

In times of disaster, the Florida SBDC Network deploys its Disaster Mobile Business Assistance Centers into communities with the greatest need for affected businesses to receive on-site assistance resulting from a natural or man-made disaster.  As a principal responder in the state’s Emergency Support Function for Business and Industry, the MACs provide an on-the-scene workspace for our consultants to assist impacted businesses with preparing disaster loan applications and other post-disaster challenges.

September 18-22, 2017:  The Florida SBDC Network partnered with U.S. Senator Marco Rubio to host Recovery Assistance Centers in St. Augustine, Jacksonville, Naples, Lehigh Acres, and Immokalee for businesses impacted by Hurricane Irma. As part of the event, the MACs were deployed to the centers where Florida SBDC Disaster Specialists assisted impacted businesses with state and federal disaster loan applications and other post-disaster challenges.


Additional Business Recovery Resources and Information

STATE

Florida Virtual Business Emergency Operations Center – www.FLVBEOC.org
The FLVBEOC includes information and resources for registered businesses that are impacted by a disaster, including news and what to do following a disaster. The FLVEBOC 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
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, when activated, is administered by DEO, and assists individuals with finding work in recovery efforts in a disaster area. Visit your local CareerSource center for more details.

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.

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

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.

How do I get started with the Florida SBDC Network?


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) 898-3489 or Disaster@FloridaSBDC.org.

Find your local Florida SBDC by clicking here.