Business Disaster Recovery Assistance

Has your business been impacted by a disaster? 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 when activated. On this page, you will find a wealth of information to help you with your business recovery efforts, including details about Federal and State Disaster Loan Programsinformation on Where to Find Assistance; Additional Resources; information to help you Stay Informed; and more.


Was Your Business Impacted by Hurricane Dorian?
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 Dorian are strongly encouraged to complete the survey by clicking here. 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.


Federal and State Disaster Loan Programs 

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 and have suffered substantial economic injury regardless of physical damage, you may qualify for an EIDL. EIDLs provide working capital to help businesses survive until normal operations resume after a disaster. The SBA can provide up to $2 million to help meet financial obligations and operating expenses that could have been met had the disaster not occurred. Learn more about the EIDL program here.

Loan Program Activated Icon

Activated: Hurricane Dorian

Click Here for information about eligibility, loan program details, and how to apply
Application Filing Deadline:  August 13, 2020

Need help? Find your local Florida SBDC by clicking here.

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

– Currently Inactive in Florida

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.

– Currently Inactive


Where to Find Assistance

In times of disaster, the Florida SBDC Network, in partnership with the U.S. Small Business Administration, may establish 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:


Additional Business Recovery Resources and Information

STATE

FloridaDisaster.bizFloridaDisaster.biz provides businesses, small and large, easy access to critical information before, during and after a disaster. FloridaDisaster biz is a partnership between the Florida Department of Economic Opportunity (DEO) and the Florida Division of Emergency Management (DEM). Click here to learn more and register your business today.

Other State 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
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 recover from a disaster.

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.

Disaster Unemployment Assistance (DUA) – www.FloridaJobs.org
When approved by the President of the United States, 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.

1-866-9-NO-SCAM – The Florida Price Gouging Hotline has been activated for Hurricane Dorian.

1-877-693-5236 – Insurance Helpline

FEDERAL

FEMA – www.DisasterAssistance.gov
The Disaster Assistance Improvement Program’s (DAIP) mission is to provide disaster survivors with information, support, services, and a means to access and apply for disaster assistance through joint data-sharing efforts between federal, tribal, state, local, and private sector partners. The Federal Emergency Management Agency (FEMA), under the Department of Homeland Security (DHS), acts as the managing partner. Note: Before applying for an 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 (Florida) – www.irs.gov
In times of disaster, the IRS may extend deadlines that apply to filing returns, paying taxes, and performing certain other time-sensitive acts for certain taxpayers. 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’.

LOCAL

County Emergency Management – https://www.floridadisaster.org/counties

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

  • 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.
  • 850-815-4925 – State Emergency Contacts – During an activation of the State Emergency Operations center, the Florida Private Sector Hotline is activated.
  • www.FloridaDisaster.org – The state’s official source of general and specific information for individuals and businesses following a disaster from the Florida Division of Emergency Management.
  • FloridaDisaster.biz – is a new website developed to provide businesses, small and large, easy access to critical information before, during and after a disaster. FloridaDisaster biz is a partnership between the Florida Department of Economic Opportunity (DEO) and the Florida Division of Emergency Management (DEM). Click here to learn more and register your business today.
  • 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

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.

Find your local Florida SBDC by clicking here.