Business & Disaster Recovery Information

Press Enter to show all options, press Tab go to next option

Businesses affected by the COVIN-19 pandemic, please go to ,   login and complete the survey.  By doing this, more resources may become available to help your business through this disaster.


... Register your business with the Florida Virtual Business Emergency Operations Center ( ) .  At this website you can:

  • Register your business for all the functions and information below 

  • Get current system resource listing

  • Direct communications to the State's Emergency Support Function addressing issues dealing with business and industry.

  • Get preparedness information

  • Resource identification

  • Obtain disaster situation reports as well as make disaster situation reports as it affects your business

  • Get research on business needs

  • Community outreach

About the FLVBEOC:

The State’s response effort is initiated through the State Emergency Response Team (SERT), which is comprised of Governor-appointed Emergency Coordination Officers (ECO) from State agencies and volunteer organizations. Emergency Support Function (ESF) 18 Business, Industry, and Economic Stabilization integrates disaster response with private sector organizations. ESF 18 coordinates local, state and federal agency actions that provide immediate and short-term assistance for the private sector. Further, ESF 18 works with business and industry to identify available resources to meet the needs of the State and its citizens.  During an emergency, disaster recovery information will be posted here.

Florida Small Business Emergency Bridge Loan Program

The Florida Small Business Emergency Bridge Loan Program was first activated following Hurricane Andrew. It has been activated 13 additional times following disasters and has helped more than 2,670 small businesses statewide to receive more than $63 million in assistance.    This is not a Federal or Small Business Administration loan.  It is a loan to help provide immediate relief to get a business on its feet. 

Economic Injury Disaster Loans

If your small business, small agricultural cooperative, small business engaged in aquaculture, or private, nonprofit organization has suffered economic injury, regardless of physical damage, and is located in a declared disaster area, you may be eligible for financial assistance from the U.S. Small Business Administration.

What is an Economic Injury Disaster Loan?

If your business is located in a declared disaster area and has suffered economic injury because of the disaster (regardless of physical damage), you may be eligible for an Economic Injury Disaster Loan (EIDL). Substantial economic injury is the inability of a business to meet its obligations as they mature and to pay its ordinary and necessary operating expenses. EIDLs provide the necessary working capital to help small businesses survive until normal operations resume after a disaster


Economic Injury Disaster Loan Eligibility

Those eligible for these loans are small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private nonprofit organizations of all sizes that have suffered substantial economic injury resulting from a physical disaster or an agricultural production disaster (as designated by the Secretary of Agriculture).

EIDL assistance is available only to small businesses determined unable to obtain credit elsewhere. The SBA can provide up to $2 million to help meet financial obligations and operating expenses which could have been met had the disaster not occurred. Your loan amount will be based on your actual economic injury and your company's financial needs, regardless of whether the business suffered any property damage.

Economic Injury Worksheet

for businesses. If you're interested in obtaining disaster loan assistance, Please complete the Economic Injury worksheet and e-mail it to

CFR Title 13: Business Credit and Assistance , Part 123 - Disaster Loan Program

(i) In any county or other smaller political subdivision of a State or U.S. possession, at least 25 homes or 25 businesses, or a combination of at least 25 homes, businesses, or other eligible institutions, each sustain uninsured losses of 40 percent or more of the estimated fair replacement value or pre-disaster fair market value of the damaged property, whichever is lower; or

(ii) In any such political subdivision, at least three businesses each sustain uninsured losses of 40 percent or more of the estimated fair replacement value or pre-disaster fair market value of the damaged property, whichever is lower, and, as a direct result of such physical damage, 25 percent or more of the work force in their community would be unemployed for at least 90 days; and

(iii) The Governor of the State in which the disaster occurred submits a written request to SBA for a physical disaster declaration by SBA (OMB Approval No. 3245–0121). This request should be delivered to the Disaster Assistance Field Operations Center serving the jurisdiction within 60 days of the date of the disaster. The addresses, phone numbers, and jurisdictions served by the field operations centers are published in the Federal Register.

(4) SBA makes an economic injury disaster declaration in response to a determination of a natural disaster by the Secretary of Agriculture.

(5) SBA makes an economic injury declaration in reliance on a state certification that at least five small business concerns in a disaster area have suffered substantial economic injury as a result of the disaster and are in need of financial assistance not otherwise available on reasonable terms. The state certification must be signed by the Governor, must specify the county or counties or other political subdivision in which the disaster occurred, and must be delivered (with supporting documentation) to the Disaster Assistance Field Operations Center serving the jurisdiction within 120 days of the disaster occurrence. When a Governor certifies with respect to a drought or to below average water levels, the supporting documentation must include findings which show that conditions during the incident period meet or exceed the U.S. Drought Monitor (USDM) standard of “severe” (Intensity level D–2 to D–4). The USDM may be found at With respect to below average water levels, the supplementary information accompanying the certification must include findings which establish long-term average water levels based on recorded historical data, show that current water levels are below long-term average levels, and demonstrate that economic injury has occurred as a direct result of the low water levels. Not later than 30 days after SBA receives a certification by a Governor, it shall respond in writing with its decision and its reasons. provides citizens the ability to locate and apply for disaster relief. If we're impacted by a disaster and the President declares our count as a major disaster site click HERE for info.