What resources are available for impacted businesses?

Florida Small Business Emergency Bridge Loans

The Florida Small Business Emergency Bridge Loan Program is currently available to small business owners with 2 or more employees located in all Florida counties statewide that experienced economic damage as a result of COVID-19.These short-term, interest-free working capital loans are intended to “bridge the gap” between the time a major catastrophe hits and when a business has secured longer term recovery resources, such as sufficient profits from a revived business, receipt of payments on insurance claims or federal disaster assistance.

For questions regarding the Emergency Bridge Loan Program, please contact the Florida Department of Economic Opportunity by email at toll-free at (833) 832-4494 or email FloridaBusinessLoanFund@deo.myflorida.com.

Visit floridajobs.org/rebuildflorida/businessrecovery to get started. 

Small Business Administration (SBA) Economic Injury Disaster Loan Program
Small business owners,  sole proprietors and 1099 workers in all U.S. states and territories are currently eligible to apply for a low-interest loan due to Coronavirus (COVID-19). Click here to apply.

Find more information on the SBA’s Economic Injury Disaster Loans at: SBA.gov/Disaster.

The SBA will work directly with state Governors to provide targeted, low-interest loans to small businesses and non-profits that have been severely impacted by the Coronavirus (COVID-19). The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. 

Florida Department of Economic Opportunity Virtual Business EOC

The Business Damage Assessment Survey can be taken online at https://floridadisaster.biz/. Results from this survey will be shared with state agencies and local partners. Surveys submitted by small businesses can be used to access the Small Business Administration’s Economic Injury Disaster Loan, made available for COVID-19 through the Coronavirus Preparedness and Response Supplemental Appropriations Act. For inquiries or assistance with the survey, businesses can contact Emergency Support Function 18 at ESF18@em.myflorida.com.

Unemployment Compensation Assistance

Section 2102 of the CARES Act provides individuals who are not already eligible for state and federal unemployment programs—but would be able to work in the absence of the coronavirus outbreak—a set amount of unemployment compensation. For example, unemployment benefits would be extended to self-employed workers, independent contractors, and those with limited work history for up to 39 weeks of employment through the end of 2020, fully funded by the federal government. Importantly, the provision excludes those employees who are able to telework with pay or receive some form of sick leave or other paid-leave benefits.

Additionally, employees who quit their job for coronavirus-related reasons could qualify for unemployment benefits. This not only applies to those who contract the virus themselves, but also those who must leave their jobs to provide full-time care to family and other relatives but do not have access to paid leave benefits.

Provisions under this Act set out a multipronged approach to assist state-based unemployment programs. 

  1. A $600 supplement to state-paid unemployment compensation for those who already qualify
  2. A pandemic unemployment assistance program which matches the normal state unemployment rate PLUS $600 for unemployed workers who would not normally be eligible i.e. sole proprietors and 1099 workers
  3.  An extension of unemployment compensation by 13 weeks beyond the eligibility time states provide under current law.  Link HERE to learn more and apply
  4. The U.S. Department of Labor's unemployment insurance programs provide unemployment benefits to eligible workers who become unemployed through no fault of their own and meet certain other eligibility requirements. Unemployment insurance is a joint state-federal program that provides cash benefits to eligible workers. Each state administers a separate unemployment insurance program, but all states follow the same guidelines established by federal law. Visit DOL.gov for additional information. 

Florida Department of Economic Opportunity Reemployment Assistance (also called reemployment assistance insurance) provides temporary wage replacement benefits to qualified individuals who are out of work through no fault of their own. If you need assistance, contact the Reemployment Assistance Contact Center at 1-800-204-2418 during the hours of 8:00 AM to 5:00 PM EST, Monday through Friday. Visit FloridaJobs.org for additional information.


Flagler County has developed a survey that allows business owners to enter their hours of operation and any changes to services. The survey is fed into a live map that is viewable by the public. CLICK HERE TO LEARN MORE