Impacted by COVID-19? Special assistance is now available.

Coronavirus Small Business Resources

Florida SBDC at UNF –Our offices

  • SBDC Offices and Professional Business Consulting Services — Our offices are closed to the public until further notice. However, we are still offering our consulting services. Instead of in-person consultations we are hosting them virtually. Call our front desk at (904) 620-2476 or email us at smallbiz@unf.edu to make a confidential, no-cost appointment with one of our professionally certified business consultants and choose the mode of virtual communication that is convenient for you. We can assist you in developing a preparedness plan and with other strategies to safeguard your employees and customers, and ensure the continued operation of your business. Impacted by COVID-19?  Special assistance is now available.  Click here to get started.
  • Training Events and Workshops — Our live events and workshops have also been cancelled until further notice, but we are currently offering our webinars at no-cost to our small businesses.  Visit our training events and workshop page and register for a webinar today! Missed a webinar?  Visit our Webinar Video Library.

Reopening Florida

Read Governor Ron DeSantis‘ phased reopening plan: Safe. Smart. Step-by-Step. Plan for Florida’s Recovery.

  • Phase 3 -Effective Friday, September 25, 2020
  • Phase 2 -Effective Friday, June 5, 2020
  • Full Phase 1-Effective Monday, May 18, 2020

Guides, Tips & Templates:

Guide to Business Resiliency in Times of DisasterNeed guidance on how to meet the challenges of the coronavirus? Check out our new guide to business resiliency in times of disasters, which includes suggestions for cash management, pricing and cost containment, supply chain management, and marketing.

Tips to Prepare for ReopeningAs the state starts its slow, phased reopening plan, now is the time to start preparing for your business’ reopening. Though your business may still be closed, a well-thought out plan can help you jump-start operations. 

COVID-19 Preparedness Plan for Reopening– This template is designed to help businesses develop and implement a plan for reopening their business, ensuring a safe and healthy workplace for all workers. The template fits the potential needs of different types of businesses.

Small Business Guide to COVID-19– Tips to do right now to stay afloat, SBA loan programs explained, pro tips, looking ahead, find help.

Disaster Assistance

Passed by Congress and signed by the President, the Coronavirus Aid, Relief, and Economic Security (CARES) Act tasks the U.S. Small Business Administration (SBA) with overseeing the distribution of millions of dollars in loans and grants to help small businesses survive the COVID-19 pandemic. It also provides additional funding for SBA’s resource partners to provide advice and training to help small businesses respond to the unprecedented challenges in communities throughout the country.

  • Economic Injury Disaster Loan and Advance (EIDL and EIDL Advance)– The EIDL Advance program has been discontinued. EIDL loan applications will still be processed even though the Advance is no longer available. As a reminder, the loan portion of the EIDL program continues to have funds available at very affordable terms, including a 3.75% interest rate for small businesses and 2.75% for non-profit organizations, a 30-year maturity, and an automatic deferment of one year before monthly payments begin. Every eligible small business and non-profit is encouraged to apply to get the resources they need.  Click here to learn more.
    • Contact the SBA Disaster Customer Service Center at 1-800-659-2955 or, for the deaf and hard-of-hearing 1-800-877-8339 (Monday through Friday from 8:00 am to 8:00 pm, Saturday and Sunday from 8:00 am to 8:00 pm Eastern Time) or email at: disastercustomerservice@sba.gov.
  • SBA Bridge Loans– Enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly.  Click here to learn more.
  • SBA Debt Relief– The SBA is providing a financial reprieve to small businesses during the COVID-19 pandemic.  Click here to learn more.
  • Main Street Lending Program– The Federal Reserve established the Main Street Lending Program to support lending to small and medium-sized businesses that were in sound financial condition before the onset of the COVID-19 pandemic. The Program will operate through three facilities: the Main Street New Loan Facility (MSNLF), the Main Street Priority Loan Facility (MSPLF), and the Main Street Expanded Loan Facility (MSELF).  Click here to learn more.
  • LISC Small Business Relief Grant– With support from a variety of funders, LISC is providing grants to small businesses, to help them keep functioning and remain vital facets of their local economies through this challenging period.  They are in the fourth round of accepting grant applications, which is made possible with the support of Lowe’s and Truist.  Click here to apply and learn more.
  • Rebuild Florida Business Loan Fund-The Rebuild Florida Business Loan Fund provides financing to assist businesses with resiliency efforts. The funds will address the current gap in available, affordable capital for businesses that can be used for inventory purchases, construction, working capital, equipment financing and more. Click here to learn more.
  • Community Advantage Recovery Loan (CARL)– A new and temporary SBA-backed loan product specifically designated to help small businesses in underserved markets with retooling during the COVID-19 pandemic.  Contact the Florida Business Development Corporation for more information about this program in the State of Florida. 
  • PPP Loan Forgiveness Application – The U.S. Small Business Administration, in consultation with the Department of the Treasury revised the  borrower-friendly Paycheck Protection Program (PPP) loan forgiveness application implementing the PPP Flexibility Act of 2020, signed into law by President Trump on June 5, 2020. In addition to revising the full forgiveness application, SBA also published a new EZ version of the forgiveness application that applies to certain borrowers.  Click here to learn more.  Click here to view the EZ Forgiveness Application.  You will file for forgiveness with the bank who gave you the PPP loan.
    • PPP Loan Forgiveness Application for $50,000 or less – SBA Form 3508S for PPP loan amounts received from your Lender for $50,000 or less.  Click here to view the SBA Form 3508S.

LOCAL RESOURCES:

  • City of Jacksonville Small Business Relief Program– The City of Jacksonville will launch the third round of the Small Business Relief Program, with the money first going to those who are on the city’s waiting list.  With this relief grant program, the City will make one-time payments of up to $2,000 to a limited number of qualifying small business owners.  Click here to learn more.
  • City of Jacksonville Program– The City of Jacksonville and VyStar Credit Union are collaborating on a loan program to assist local small businesses affected by the COVID-19 response. The City’s contribution to the Small Business Lending Program is expected to be between $20 and $30 million, which will be used to provide a combination of grants, interest payments and potential aid toward the principal of the loan, with some elements tied to employee retention.  Click here to learn more.  Jacksonville businesses affected by COVID-19 can apply for the City of Jacksonville COVID-19 Community Relief Loan by emailing their completed application and supporting documents to JaxReliefLoan@vystarcu.org.  If you have questions related to program requirements and maintaining your grant with the City of Jacksonville, please contact reliefgrant@coj.net.
  • Clay County Individual and Business Assistance Grants– Clay County individuals and businesses located in Clay County financially impacted by the COVID-19 pandemic may apply for a one-time cash payment through the Clay County CARES Act program. Applications will be reviewed in the order they are received and will be accepted through September 8, 2020, or until all funding has been distributed. Applications and the terms, conditions and eligibility requirements are available at Alert.ClayCountyGov.com
  • St. Johns County CARES Business Grant Program Phase II– St. Johns County is launching phase II of the St. Johns County CARES Small Business Recovery program and phase II of the Nonprofit Grant Program on Monday, October 19, 2020. The St. Johns County CARES Program helps local businesses, non-profits and residents respond to and recover from the economic impact of COVID-19.  Click here to learn more.
  • Putnam County CARES Act Small Business Grant– The Putnam County Board of County Commissioners are offering grants as a means of relief because of disruptions to your business or organization caused by the COVID-19 pandemic.  Click here to learn more and apply.  

STATE RESOURCES:

  • Division of Workforce Services Short Time Compensation Program – The Short Time Compensation program helps employers retain their workforce in times of temporary slowdown by encouraging work sharing as an alternative to layoff.
  • Florida Department of Health Covid-19 – Information and guidance regarding COVID-19 in Florida. For questions related to COVID-19 in Florida, individuals and business can contact the Florida Department of Health dedicated COVID-19 Call Center by calling (866) 779-6121. The Call Center is available 24 hours a day. Inquiries may also be emailed to COVID-19@flhealth.gov.
  • FloridaDisaster.Biz – Information regarding business preparedness, recovery, online training, links and news. When activated, houses the Florida Business Damage Assessment. During an activation of the State Emergency Operations Center (SEOC), the Florida Private Sector Hotline will be activated. Florida Private Sector Hotline: 850-815-4925. Email: ESF18@em.myflorida.com
  • Florida Chamber Follow Facts, Not Fear – The Florida Chamber is the official state chapter of the National Safety Council. This webpage includes important links from Governor DeSantis’ office, the Emergency Operations Center, Centers for Disease Control, Florida Department of Health and our partners at the U.S. Chamber of Commerce and it will be updated regularly.
  • Florida SBDC Network COVID-19 Business Disaster Recovery & Resiliency Assistance – The Florida Small Business Development Center (SBDC) Network and our state and federal partners remain committed to helping you access the disaster capital and resources your business needs to recover, rebuild, and grow.

FEDERAL RESOURCES:

  • FEMA – Coronavirus (COVID-19) Response
  • IRS – The IRS has established a special section focused on steps to help taxpayers, businesses and others affected by the Coronavirus.
  • OSHA – Guidance on Preparing Workplaces for COVID-19
  • SCORE – A resource partner of the U.S. Small Business Administration (SBA). Visit their Coronavirus Small Business Resource Hub for business assistance and SBA loan information. 
  • U.S. Chamber of Commerce – The U.S. Chamber is working closely with the White House, U.S. government agencies, and foreign government officials to inform and equip businesses with the most important and up-to-date information to ensure we are all adequately prepared to protect Americans at home and abroad. The website provides great resources for all businesses, including small businesses.
  • USDA – United States Department of Agriculture, Farm Service Agency staff are available to help agricultural producers with program signups, loan servicing and other important actions.
  • U.S Department of Labor – 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.
  • U.S. Senate Committee on Small Business & Entrepreneurship -The Small Business Owner’s Guide to the CARES Act.
  • White House Coronavirus (COVID-19) Task Force – State, local, and federal agencies are working together to maintain the safety, security, and health of the American people. Check out updates from the White House’s Coronavirus (COVID-19) Task Force.

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