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.
Town of Surfside Small Business Grant Assistance Program
To aid in relief efforts, the Town of Surfside is offering one-time grants to qualifying businesses affected by the pandemic. The $105,000 CARES Act Grant for Surfside Small Businesses utilizes funding through the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Grants do not have to be paid back and will be split between all businesses that apply and meet eligibility requirements. Grants are not to exceed a $5,000 maximum award per establishment and are subject to availability. The deadline to apply is Thursday, December 10.
RISE Miami-Dade Small Business Loan
The RISE Miami-Dade Fund was created to help small businesses1 in Miami-Dade County that were impacted by COVID-19. Loans under the program will be for a maximum of $30,000 and calculated based on:
(a) Average Monthly Rent (Commercial Lease/Residential Lease/Mortgage)
(b) If you have a commercial or residential lease, you will multiply by six (6) Commercial Residential
(c) Maximum amount to be borrowed: (a) x (b) up to $30,000
*This calculation is only for informational purposes and does not constitute an offer or guaranteed approval.
There are a number of qualifications a business and owners must meet. Click here to learn more.
Miami-Dade County COVID-19 Relief Sources
Miami-Dade County's website has a number of relief resources targeting different sectors including business, finance, housing, employment and more.
Visit the website.
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.
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.
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 email@example.com.
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.