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Florida Small Business Emergency Bridge Loan Program

On Monday, March 16, 2020, the office of Governor Ron DeSantis announced the activation of small business emergency bridge loans for companies reeling in light of the coronavirus pandemic. Trade-based businesses, including Customs brokerages, freight forwarders, importers, exporters, and other logistics firms are encouraged to take advantage of this short-term funding mechanism while further details are worked out regarding additional economic disaster relief programs.

Please note, these loans will be interest-free for the initial loan term (1 year), and then the interest will be 12%/yr on the remaining unpaid balance until paid in full.

Businesses may apply at

Loan Details

  • Designated Disaster Areas: All Florida counties statewide per Executive Order 20-52.
  • Qualified Applicant: Applications will be accepted by qualified for-profit, privately held small businesses that maintain a place of business in the state of Florida. All qualified applicants must have been established prior to March 9, 2020, and suffered economic injury as a result of the designated disaster. Qualified small business applicants must be an employer business with 2 to 100 employees.
  • Amount: Up to $50,000 per eligible small business.  Loans of up to $100,000 may be made in special cases as warranted by the need of the eligible small business.
  • Term: 1 year.
  • Limitation: Only one loan may be made per eligible business. All previous bridge loans received MUST be paid in full.
  • Interest Rate: Loans will be interest-free for the loan term (1 year). The Interest rate will be 12% per annum on the unpaid balance thereafter, until the loan balance is repaid in full.  Loan default is subject to a normal commercial collection process.
  • Application Period: Applications will be accepted by qualified Florida agricultural producers under this program through May 8, 2020, contingent on the availability of funds.

The loan application and approval process is administered by the Florida SBDC, with locations around the state.

Want to take advantage of these short-term funds? You can get started here:

  1. Review eligibility requirements and loan process.
  2. Download, complete and sign the application form.
  3. Gather required support documentation.
  4. Contact and submit completed and signed application and support documentation to your local Florida Small Business Development Center (SBDC). You can locate your local SBDC at

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