Help is Here

The Florida SBDC Network and our state and federal partners remain committed to helping you access the disaster capital and resources your business needs to recover and reopen.

As during any disaster, we are here to help your business recover. Our team of disaster specialists are available to provide confidential, no-cost consulting and direction to help you assess and prepare disaster loan applications and assist with other post-disaster challenges.

Business Damage Assessment (BDA) Survey

FloridaCommerce and the Florida State Emergency Response Team have activated Florida's Business Damage Assessment Survey to help state and federal officials determine the need for disaster assistance and expedite recovery resources. Please take the survey below and select "Hurricane Isaias" as the event/incident:

Business Damage Assessment Survey

Internal Revenue Service (IRS)

The Internal Revenue Service (IRS) has announced tax relief for individuals and small business owners affected by Hurricane Isaias in designated Florida counties.

Federal tax-filing and payment deadlines occurring between October 9, 2026 and February 8, 2027, have been postponed to February 8, 2027. This extension applies to applicable quarterly estimated tax payments, payroll and excise tax returns, and valid extension deadlines.

Learn more

Florida Small Business Emergency Bridge Loan Program

Deadline to Apply: November 25, 2026

APPLY NOW

FloridaCommerce has activated the Florida Small Business Emergency Bridge Loan Program, making $10 million available for businesses impacted by Hurricane Isaias.

The Florida Small Business Emergency Bridge Loan program provides short-term, zero-interest working capital loans that are intended to “bridge the gap” between the time a disaster impacts a business and when a business has secured longer term recovery funding such as federally or commercially available loans, insurance claims or other resources.

Loans made under this program are short-term, personal loans using State of Florida funds – they are not grants and must be repaid. Florida Small Business Emergency Bridge Loans require repayment by the approved applicant. Owners may utilize funding from longer term financial resources, such as U.S. Small Business Administration economic injury disaster loans, to repay the Emergency Bridge Loan.

Program Highlights

  • Loans are available up to $100,000 per business per eligible applicant.
  • Loans are available up to $150,000 for eligible agriculture and aquaculture businesses.
  • Loans made through this program are one year, zero-interest, personal business loans.
  • Florida Small Business Emergency Bridge Loans require repayment by the applicant.
  • Owners may utilize funding from longer term financial resources, such as U.S. Small Business Administration Economic Injury Disaster Loans, to repay the Emergency Bridge Loan.

Eligibility Requirements

  • Businesses in eligible counties are invited to apply
    • Baker, Bay, Calhoun, Citrus, Columbia, Dixie, Escambia, Franklin, Gadsden, Gilchrist, Gulf, Hamilton, Hillsborough, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Madison, Okaloosa, Pasco, Pinellas, Santa Rosa, Suwannee, Taylor, Walton, Wakulla, and Washington counties
  • Business must have been established prior to the event.
  • Businesses with 1-100 employees are eligible.
  • Applicants must have a credit score of 600 or above.

Required Documents

The following documents are required for all owners on the application to be considered complete:

  1. A copy of the owner(s) driver's license(s) or passport(s) for all owners on the application. This must include the front and back of the document.
  2. Current Business Tax Return, Most Current Year (All Pages) at a minimum, previous year’s Federal income tax returns for the applicant’s business, including all schedules, such as Form 1040, Form 1065, Form 1120, and Form 1120S (as applicable).
  3. Current Personal Tax Return, Most Current Year (All Pages) for all owners on the application.
  4. Documentation showing minimum of 2 employees (independent contractors or 1099s do count as employees). Documentation can be copies of employees’ W-2s, IRS Form 941 and/or Employer's Quarterly Federal Tax Return.
  5. Copy of a voided check

IRS transcripts are accessible at https://www.irs.gov/individuals/get-transcript

Additional Information

If you have any additional questions regarding the Florida Small Business Emergency Bridge Loan please call 833-832-4494 (Monday through Thursday 9am-6pm, Friday 8am-4pm) or email EmergencyBridgeLoan@commerce.fl.gov.

Agriculture and Aquaculture Producers Natural Disaster Recovery Loan Program

You can apply up to one year after the date of the declared emergency or until all available loan funds are exhausted, whichever occurs first.

APPLY NOW
  • Interest-free loans up to $500,000 for eligible agriculture and aquaculture producers that have experienced damage or destruction from Hurricane Isaias.
  • Loans may be used to restore, repair, or replace essential physical property, including fences, equipment, greenhouses, and other buildings, or to remove vegetative debris.
  • Interested producers can learn more or apply here.

Producers who were previously awarded funds for damages sustained from recent hurricanes may be eligible to apply for damage sustained from this disaster. An applicant may not receive more than one loan per storm, more than two loans per year, or more than five loans in any three years.

During a special legislative session in November of 2023, the Florida Legislature passed House Bill 1-C, which provided $75 million to the Florida Department of Agriculture and Consumer Services for a revolving loan fund to support impacted agriculture and aquaculture producers recover from natural disasters. In 2025, the Florida Legislature provided an additional $40 million for the loan program.

For more information about Commissioner Simpson and the Florida Department of Agriculture and Consumer Services, visit FDACS.gov.