This is going to be a difficult time for all small business owners. We are here to help you through this extraordinary disruption caused by the COVID-19 virus.


The goal is to keep you up to date on all the opportunities from Federal, State and Local Governments and community organizations. It is imperative for the future of your business that you are PROACTIVE in reaching out to your banker and your CPA to understand the opportunities for rent reimbursement, payroll reimbursement and ongoing business needs.


Please read to the end and PARTICIPATE in the surveys below. It will help our community



Federal Stimulus Package

Expected to pass today ( March 25, 2020) Check back for updates


Florida is one of the many states eligible for Small Business Administration disaster loans. We complied it all here to help get you started:


The Small Business Administration has guidance and loan resources available including Economic Injury Disaster Loan Program. Emergency Loans available to help during the Coronavirus Disaster.Emergency Bridge Loans are available for $50,000 1-year loan at 0% if paid back in a year, rate increases to 12% after 1st year.To apply:

This site also has information on other loans available to small businesses.


If you need assistance applying for an Emergency Bridge Loan, the Small Business Development Center (SBDC) at Florida Gulf Coast University (FGCU) is a resource and has consultants available to help you. The SBDC at FGCU serves Charlotte, Collier, Glades, Hendry, and Lee County and can be reached by phone at 239-745-3700 or by email at


Please also contact your banker or CPA for assistance. is also available to help with Small Business Emergency Loan Programs.




We have received information from some our client’s insurance companies with the following advice:

  • File a claim EVEN IF YOU DO NOT HAVE Business Interruption Insurance

  • Start your claim NOW

  • Speak with you insurance agent to see what options you have

  • Rules may be changing based on what the Federal Government deems appropriate


Additional Information from SBDC


Our partners at the SBCD @ FGCU supplied the following information for us to share with you:

For individuals:

  • United Way COVID-19 Community Economic Relief Fund can help you find assistance for bills, rent and food. Call 866-211-9966 for the list of local agencies that can help you or search 211 here.


  • Employment Assistance – Express Employment Professionals is available to help individuals find jobs and also to help businesses find new team members. You can reach them at 239-498-5000, or email


  • Bartender Emergency Assistance Program – The United States Bartenders Guild’s National Charity Foundation has launched a program for bartenders in need of assistance during the coronavirus outbreak, meant to aid service industry personnel experiencing financial difficulties as a direct result of the outbreak. Eligible applicants can receive a grant to help cover bills here.                     

For businesses:

  • The Florida Department of Economic Opportunity has a Short Time Compensation program available to help small businesses continue to pay workers even with reduced work hours. Application information is available here, and the DEO’s Help Center is here for any questions you have.

  • The Florida Small Business Emergency Bridge Loan Program is now open for small business owners that are experiencing economic damage as a result of COVID-19. It’s a short-term, interest-free working capital loan that can help your business “bridge the gap” before a return to normal business or before a longer-term financial loan is acquired. Learn more here

  • The U.S. Small Business Administration (SBA) provides low-interest disaster loans to help businesses and homeowners recover from declared disasters. Businesses can apply for loans online through a 3-step loan process here.

  • SBA Economic Injury Disaster Loans – Substantial economic injury means the business is unable to meet its obligations and to pay its ordinary and necessary operating expenses. These loans provide the necessary working capital to help small businesses survive until normal operations resume. 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. More information here.


  • You can help local and state leaders assess community needs by taking these two surveys: 

  • Finally, this advice for working remotely is out-of-this-world! Astronaut Scott Kelly has tips for working in quarantine.