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Relief for Small Businesses

Many businesses, small ones in particular, have been hit especially hard by the novel coronavirus (COVID-19). The information on this page, updated frequently, includes a growing number of resources and relief programs to turn to for assistance.

NEW! - Layoff Aversion Fund for Miami-Dade Small Businesses

CareerSource South Florida announces the COVID-19 Layoff Aversion Fund, designed to support to small businesses and/or community-based organizations (CBOs) within Miami-Dade and Monroe Counties facing financial impacts and potential layoffs from the coronavirus disease 2019 (COVID-19). The fund provides grants to eligible small businesses and/or CBOs affected by the Public Health Emergency Declaration.

Applications must be submitted no later than June 30, 2020.

Recipients may receive up to $10,000.00 from the COVID-19 Layoff Aversion Fund 30 calendar days following the expiration of Executive Order 20-51 or until funds are exhausted, whichever occurs first.

The following scale will be utilized to award grants:
3-10 full-time employees: up to $5,000.00
11-25 full-time employees: up to $7,500.00
26-50 full-time employees: up to $10,000.00

For additional information on eligibility requirements, visit

Economic Injury Disaster Loans and Advance Program

The US Small Business Administration (SBA) is accepting EIDLA loan applications from small businesses impacted by the COVID-19 crisis. Small businesses can apply for up to $10,000 in advance loan which is designed to provide economic relief to businesses that are currently experiencing a temporary loss of revenue. This loan advance will not have to be repaid. Receipts do not have to be approved for a loan in order to receive the advance, but the amount of the loan advance will be deducted from total eligibility. For more information, click here.

Paycheck Protection Program Loan

PPP loans are still available to small and medium businesses with less than 500 employees. This program is administered by the US Small Business Administration (SBA). The goal of the program is to help small businesses maintain their staff level and cover related costs during the COVID-19 crisis. Please note, there is a revised application dated June 12, 2020 (SBA Form 2483). Click here for the new version of the application. Below are the locations of SBA eligible PPP lenders located in Coral Gables. For more information regarding the PPP loan program visit the SBA website. Below are the locations of SBA eligible PPP lenders located in Coral Gables.Find approved lenders in your area.  

Paycheck Protection Program Forgiveness Application Form Update

The federal government recently revised the Paycheck Protection Program (PPP) Forgiveness Application Form requirements in response to complaints from lawmakers and business groups that the process was too complicated. The revised form requires less calculations and documentation than the original application. The business owners allowed to use the EZ application include those who are self-employed or have no employees and those who did not reduce salaries by more than 25 percent. To use the form, businesses must also certify that they didn't cut employees' hours or were unable to operate at pre-coronavirus levels because of health mandates. Please consult the SBA local office or your lender for more information. Click here for the revised application. Information and instructions on how to fill out the PPP Loan Forgiveness Application.

Miami-Dade County Back-to-Business Box & Reopening Resources         
Miami-Dade County is committed to helping businesses get back to work. If you’re re-opening your small business and need assistance, Miami-Dade County is offering the Back-to-Business box. These boxes come with Personal Protective Equipment (PPE) to assist with safety requirements. Please take note of the requirements for small business owners and follow the application process for the issuance of PPE. Supplies are limited and will be provided as available on a first-come, first-served basis. In addition to the Back-to-Business Box and “The New Normal” guidebook, Miami-Dade County has posted a series of valuable resources on their website that might support your business reopening plans. They include a Business Establishment Designation guide, CDC Guide to Cleaning and Disinfecting, Products for Use against COVID-19 and much more. Read the full details   

Miami-Dade Approves $25 Million Program to Assist Small Businesses 

The Miami-Dade County Board of Commissioners has approved $25 million for the RISE Miami-Dade Fund, which stands for Re-Investing in our Small Business Economy and was created using flexible funds provided through the federal CARES Act to help small businesses recover in the wake of COVID-19. 

The Dade Federal Credit Union will administer the RISE Fund, with loans originating at local community development financial institutions (CDFIs), which are certified and regulated by the U.S. Department of the Treasury. CDFIs specialize in assisting small, women-owned and minority-owned businesses with accessing low-cost commercial loans with favorable interest rates and repayment periods. They also offer technical financial advising, such as marketing and budgeting assistance to help strengthen and grow the businesses. More information here.   

Miami-Dade County Small Business Forgivable Loan Program

Miami-Dade County has launched a $5 million loan program to support small businesses who have not been able to receive other previous assistance. The loans will be up to $25,000, with 0% interest and no origination fees. The "forgivable" feature of the loans rests on the ability of the small business borrower to retain jobs that are held by those of low or moderate income, meaning those who earn less than 80% of the annual Area Median Income ($51,200). To be eligible, the small business must meet certain criteria such as: having no more than 25 employees, providing some evidence of being impacted by COVID-19, and not previously having received assistance from other special COVID-19 programs, such as the federal Paycheck Protection Program. Read more.

Ballyhoo Media’s Business Grants Program

Many of Miami-Dade’s businesses are experiencing disruptions resulting from the Covid-19 outbreak. Ballyhoo Media, an advertising firm and a small local business itself, is offering $20,000 in advertising grants to help during this challenging time. If selected, your business is eligible to receive 1 month of free advertising, coverage across Miami Beach and Downtown Miami area, 2 million impressions and free design ad consulting. As funds are limited, the first round of applications will be processed on a first come first serve basis and will close once 150 applications are received or at 8 a.m. Wednesday, June 24 (whichever is first). For the application and more information, click here

Greater Miami Chamber of Commerce Coronavirus Impact Survey

The Greater Miami Chamber of Commerce is looking to support the business community during these unprecedented times. If you are a business owner or in management, please click here and take the five-minute survey. Responses will provide key insight to better understand the community’s challenges.

Browse Through Available Grant Listings

Miami-Dade County lists several grant opportunities on its website for various industries. Search for grants and sign up to receive corresponding email alerts.

Strongly Recommended: Restaurant Customer Logs for Contact Tracing

While not mandatory in the Town of Surfside or Miami-Dade County, a number of cities and states are either recommending or requiring that restaurants keep customer information logs with contact details. In the event of an outbreak, public health officials can use these logs to contact people who may have been exposed to the coronavirus to explain the risk and provide resources. As establishments begin to reopen in the wake of COVID-19, contact tracing will be an important mitigation tool implemented to control any outbreaks and prevent them from having wide-spread impact that would lead to new restrictions. View a sample visitor log from the Sate of Washington.

Unemployment Benefit Payment Tracker Dashboard

The Florida Department of Economic Opportunity has adashboard that provides information on the total number of reemployment assistance claims that have been submitted, verified, processed and paid. To access the Reemployment Assistance Dashboard, click here.

Business Damage Survey 

Governor Ron DeSantis announced the activation of the Business Damage Assessment survey to assess the impact of COVID-19 on Florida’s local business operations. The survey, managed by the Florida Department of Economic Opportunity (DEO), will evaluate businesses affected by COVID-19 and the impacts the virus has had on the local economy so actions to implement appropriate relief programs can begin.

The Business Damage Assessment Survey can be taken online here.

U.S. Small Business Administration (SBA) Loans

• The SBA has activated their Economic Injury Disaster Loan program for Florida businesses affected by COVID-19
• Long-term loans up to $2 million offered to eligible small businesses and nonprofits
• SBA loans are only meant for businesses that are unable to access credit from lenders
• Interest rate is 3.75% for small businesses and 2.75 for nonprofits
• Loans are meant to help financial obligations and operating expenses that could have been met had the disaster not occurred, not to recoup lost profits
Click here to register and apply for assistance.

Short Term Compensation Program (FDEO)
The Short Time Compensation Program is a voluntary employer program designed to help employers maintain their staff by reducing the weekly working hours during temporary slowdowns instead of temporarily laying off employees. If an employer establishes a Short Time Compensation Plan, and an employee meets the qualifications to file a re-employment assistance claim in the state of Florida, the employee will receive a partial re-employment check to supplement their reduced paycheck. Find employer information and the application here.

Beacon Council
Miami-Dade Beacon Council is providing resources to support local businesses and employees. Sign up to receive email updates and get information about the federal CARES Act. For more business information about COVID-19, visit the Beacon Council website or email

The Beacon Council has also launched a website, BizHelp.Miami, which has resources to help small businesses and sole proprietors navigate the Paycheck Protection Program (PPP).

Greater Miami Chamber of Commerce
The Greater Miami Chamber of Commerce also has a great business resource guide to check out.

Recursos de Telemundo en Español

Noticias Telemundo ofrece un útil listado de recursos de asistencia en español relacionados al Coronavirus. Recursos para negocios pequeños y medianos.


Call Atlantic Broadband and Lower Your Bill
Atlantic Broadband will be calling to discuss ways to get more while paying less. Be sure to answer your phone when you see Atlantic Broadband calling. In the meantime, if you want to act now, you can call 1-855-467-2238 and they will help you lower your monthly bill. 

Additional Financial Resources

Click through to each link below to learn more about the corresponding subject:

Looking for Employment?

For reemployment assistance and disaster recover, visit the Florida Department of Economic Opportunity here. Note that due a surge in claims, the DEO is experiencing higher than average wait times. 

Help Finding Work During Coronavirus Pandemic
How do you find a job when you can't even leave your apartment? If you are among the millions of Americans who have been laid off due to COVID-19, take note of this important resource. Zippia, a job research platform, has developed a comprehensive guide to help everyday Americans find remote, online and gig work in the wake of coronavirus. Click here to learn more.

CareerSource South Florida 
Another good resource for job seekers.  Visit here for more information.