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Florida Small Business Emergency Bridge Loan Program


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.


More Info / Apply  My Applications


LENDING GUIDELINES

Eligibility requirements:

 * Your business must be located in Florida.
 * Your business must have been established prior to September 23, 2024
   (Hurricane Helene) or October 5, 2024 (Hurricane Milton).
 * Your business must be located in an eligible county.

Hurricane Helene specific eligible counties: Calhoun, Bay, Escambia, Franklin,
Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Santa Rosa,
Wakulla, Walton, and Washington.




Hurricane Milton specific eligible counties: Broward, Indian River, Martin,
Miami-Dade, Palm Beach and St. Lucie.




Counties eligible under Hurricane Helene and Hurricane Milton: Alachua, Baker,
Bradford, Brevard, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie,
Duval, Flagler, Gilchrist, Glades, Hamilton, Hardee, Hendry, Hernando,
Highlands, Hillsborough, Lafayette, Lake, Lee, Levy, Madison, Manatee, Marion,
Monroe, Nassau, Okeechobee, Orange, Osceola, Pasco, Pinellas, Polk, Putnam,
Sarasota, Seminole, St. Johns, Sumter, Suwannee, Taylor, Union and Volusia.




 * Your business must have been economically injured or physically damaged by or
   Hurricane Helene or Hurricane Milton.
 * Businesses with less than 100 employees, including sole proprietors, are
   eligible.
 * Credit Score of 600 or above.

Loan terms:

 * Max Amount: up to $50,000 (Maximum Amount for Agriculture or Aquaculture is
   $100,000)
 * Term: One year
 * Loans may only be made to individuals who own at least 51% of an Eligible
   Business.
 * The Borrower(s) and Eligible Business must serve as guarantors for the loan. 
 * Only one loan may be made per Eligible Applicant.

Ineligible Businesses include short term rentals, those engaged in illegal
activities, loan packaging, speculation, multi-sales distribution, gambling,
investment or lending or where the owner is on parole.


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 or sole proprietorship
    (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. Sole proprietors may also submit a copy of their
    business license.
 5. Copy of a voided check

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


ADDITIONAL INFORMATION

You will need to complete all sections and upload all required documents for
your application to be considered complete and proceed to the review and loan
decision process.










If you have any additional questions regarding our loan programs, please call
833-832-4494 (Monday through Thursday 9am-6om, Friday 8am-4pm) or email
EmergencyBridgeLoan@commerce.fl.gov.


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