COVID-19 Resources for Florida Nonprofits and Small Businesses

11 April 2020

FCLF Covid-19 resources for small business and nonprofitsAt Florida Community Loan Fund, we know this is a tough time for nonprofit organizations and small businesses in Florida. Although we are working remotely, please know that our staff is just an email or phone call away. You can visit our Staff Directory for contact information.

Below is a list of resources that may offer assistance as we navigate this new territory together. This page will be updated as new information becomes available, so check back often. If you know of other resources we can share please email This email address is being protected from spambots. You need JavaScript enabled to view it..

Click here to download a PDF of this resource list.

Region-Specific Resources
Federal and State Funding Resources: Loans and/or Grants
  • Federal SBA Economic Injury Disaster Loans. The U.S. Small Business Administration is offering low-interest federal disaster loans for working capital to Florida small businesses suffering substantial economic injury as a result of COVID-19. Small businesses can apply for up to $2 million in assistance to help overcome the temporary loss of revenue they are experiencing. The application is available online at https://disasterloan.sba.gov/ela. These working capital loans are intended to assist small businesses in meeting their financial obligations through the disaster recovery period. These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can't be paid because of the disaster's impact. The interest rate for businesses is 3.75% with loan terms up to 30 years. The interest rate for nonprofit organizations is 2.75%. The deadline to apply for an Economic Injury Disaster Loan is Dec. 18.
  • Small Business Owner's Guide to the CARE Act.  The U.S. House and Senate Small Business Committees circulated a document entitled "The Small Business Owner's Guide to the CARES Act."  https://documentcloud.adobe.com/link/track?uri=urn%3Aaaid%3Ascds%3AUS%3A5c079d15-ad71-47f9-9cbd-ab7540622238
  • Paycheck Protection Program (PPP). The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities. The Paycheck Protection Program will be available through June 30, 2020. This program is for any small business with less than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization or 501(c)(19) veterans organizations affected by coronavirus/COVID-19. https://www.sba.gov/funding-programs/loans/paycheck-protection-program-ppp
  • Florida Small Business Emergency Bridge Loan. Small business owners with two to 100 employees located in Florida affected by COVID-19 can apply for short-term loans up to $50,000. These loans are interest-free for up to one year and are designed to bridge the gap to either federal SBA loans or commercially available loans. DEO will work with every borrower to ensure that repayment of the loan isn’t an overwhelming burden. To be eligible, a business must have been established prior to March 9, 2020, and demonstrate economic impacts as a result of COVID-19. The application period ends May 8, 2020. Businesses can apply at FloridaDisaster.BIZ. Note: These loans are not available to nonprofit organizations. The website states: 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. http://floridajobs.org/rebuildflorida/businessrecovery
  • Florida Housing Finance Corporation COVID-19 Information and Resources. Florida Housing is committed to the health and well-being of all Floridians and has assembled a list of resources. This page provides relevant information for homebuyers, residents, apartment owners and management companies. https://www.floridahousing.org/about-florida-housing/covid-19-information-and-resources 
  • FEMA: COVID-10 Public Assistance Application. FEMA is simplifying the Public Assistance application process. FEMA is developing a simplified online form applicants can complete, and on which they may explain work activities, answer basic questions, provide limited supporting documentation, and provide a cost estimate. Recipients are states, tribes, or territories that receive and administer Public Assistance awards. Applicants are state, local, tribal and territorial governments, or eligible private nonprofits, submitting a request for assistance under a recipient’s federal award. https://www.fema.gov/news-release/2020/03/23/coronavirus-covid-19-pandemic-public-assistance-simplified-application
  • USDA COVID-19 Federal Rural Resource Guide. The USDA COVID-19 Federal Rural Resource Guide is a resource for rural leaders looking for federal funding and partnership opportunities. It includes a section on resources for nonprofit organizations. https://rd.usda.gov/sites/default/files/USDA_COVID-19_Fed_Rural_Resource_Guide.pdf
  • No Kid Hungry: Coronavirus Grant Request. If you're feeding children and families affected by the coronavirus, we're here to help. We're offering emergency grants to support local school districts and nonprofit organizations in their efforts to ensure kids get the nutritious food they need. This grant request is specifically for school districts and community organizations to submit an inquiry for grants to support nutrition programs in their communities. https://www.nokidhungry.org/coronavirus-grant-request
  • Kiva.org: Loans up to $15,000. Kiva is actively taking steps to iterate upon our existing loan product to help the small businesses that we know are going to suffer. Effective immediately, U.S. applicants will have access to the following: • Expanded eligibility: More businesses in the U.S. will be eligible for a Kiva loan. • Larger loans: The maximum loan on the Kiva platform will increase from $10,000 to $15,000. • Grace period: New borrowers may access a grace period of up to 6 months for greater financial flexibility. Borrowers may access the application portal www.kiva.org/borrow
Resource Lists from State and National Associations, Nonprofit Associations
Information for Employees and/or Individuals
General Nonprofit Resources: Management • Technology • Working From Home • Mental Health • & Other Miscellaneous Tips

 

"Aida Palms will be a lasting asset to the City of Lakeland. This revitalization wouldn't be possible without financing partners like FCLF." – Mitchell Rosenstein, Principal, Green Mills Group

Aida Palms

“Thanks to FCLF we’re able to provide brand-new safe, affordable homes for 90 families in a sustainable mixed-use, mixed-income community." – Mitchell Rosenstein, Founder & Principal

Green Mills Group

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Brevard Neighborhood Development Coaliti…

"We couldn't achieve our mission of creating strong neighborhoods without FCLF's help. Their staff is always friendly, quick to respond, and efficient." – Bonnye Deese, Executive Director

BAND

"We consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

"We appreciate the accomplishments your organization attains." - Robert Sucher, Executive VP

Sabadell United Bank

“We cannot thank FCLF enough for this partnership, creating permanent housing for our neighbors in need, and their commitment to Florida communities.” – Shannon Nazworth, President & CEO

Ability Housing

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"We're thrilled to partner with FCLF to make our project a reality to serve generations of kids in our community." – Dawn Stanhope, President & CEO

Boys & Girls Clubs of Manatee County

"We look forward to continuing our successful relationship with FCLF and working together to meet the needs of our communities." – Nancy Merolla, VP/CRA Officer

Florida Community Bank

"Trinity Health is happy to partner with FCLF. We look forward to seeing the impact in the communities you serve." – Sr. Kathleen Coll, SSJ, Administrator, Shareholder Advocacy

Trinity Health

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

“FCLF will help us have significant ongoing impact in West Lakes as we help families set roots in this community.” – Camille Reynolds, Executive Director

Hannibal Square CLT

"FCLF was instrumental in making this important project a reality, bringing us one step closer to ending chronic homelessness in Miami-Dade County." – Dr. Paul A. Ahr, President & CEO

Camillus House

"FCLF has a keen knowledge of Florida challenges & opportunities. We are confident our investment will be used to improve lives." – Kathleen Rizzo Young, Sr. VP, Community Development

HSBC Bank USA, N.A.

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

"BankUnited understands the challenges facing our communities; we applaud FCLF's efforts. Thank you for making our community a better place to live." – Katrina Wright, VP Comm. Dev.

BankUnited

"The Fathers Table Foundation appreciates the services FCLF provides and the impact on the communities you serve. We believe in your organization and your mission." – Dan Gilardi, President

Fathers Table Foundation

"Our partnership with FCLF helps the American Dream of homeownership come true." – Michael Roberts, Exec Dir

R.E.A.C.H.

Our Partners

FCLF Board and Staff
FCLF Board Members represent our investors, borrowers, and technical experts.
ASPIRA of Florida and FCLF
FCLF CEO and one of our supporters visit the ASPIRA Arts Deco school.
FCLF and Rep. Webster
Rep. Daniel Webster visited FCLF staff.
Greater Heights Resident
FCLF Financing to Neighbor Up Brevard helps provide affordable rental housing.
Axiom Bank
Support from Axiom Bank helps FCLF build strong communities.
Metro Min Grand Opening
FCLF staff with local supporters at Metropolitan Ministries Tampa.
BNDC Greater Heights
Greater Heights offers new, safe, affordable rental homes in what was formerly a high crime area.
RCRI Conference 2012
The RCRI Conference allows FCLF staff to touch base with our religious supporters.
Valley Bank
Support from Valley Bank helps FCLF build strong communities.
Mathis Place Resident
Residents at Neighborhood Renaissance's Mathis Place enjoy affordable rent.
DuPuis Pointe Miami
DuPuis Pointe offers affordable, hurricane proof homes in Miami.
TD Charitable Foundation, TD Bank
TD Charitable Foundation and TD Bank have supported FCLF's mission since 2006.
FCLF and Florida Housing Coalition
FCLF representatives are ready to talk about your project success.
Boys & Girls Clubs of Manatee
FCLF and NMTC are creating a new facility for the Boys & Girls Clubs of Manatee County
duPont Fund and FCLF
The duPont Fund used FCLF and NMTC Financing to revitalize downtown Jacksonville.
Boys & Girls Clubs of Manatee
FCLF staff and US Legislative staff at an event honoring Youth of the Year.
Northern Trust Roundtable
FCLF supporter, the Northern Trust Company, hosted a housing roundtable in Sarasota.
Neighbor Up, Affordable Housing
Neighbor Up, formerly BNDC, offers affordable housing in Brevard County.
Emma Jewel Academy and FCLF
Emma Jewel Charter Academy offers education for the whole child in Brevard County.
Housing Programs, Inc.
FCLF financing to Housing Programs, Inc. helps provide affordable homes for ownership.
FCLF at Florida Housing Conference
FCLF staff are active at statewide conferences and events.
Neighbor Up and FCLF
FCLF Chief Lending Officer visits with the Executive Director of Neighbor Up (formerly BNDC)
Emma Jewel Charter Academy
Nutritious snacks are a part of the healthy focused curriculum at Emma Jewel Charter Academy.
FCLF at Florida Housing Conference
FCLF Staff are on hand at conferences and events to discuss our programs.
ASPIRA of Florida Aspirantes
ASPIRA of Florida offers education & mentoring with a focus on low-income and Latino students.
FLACDC Conference
FCLF Staff meet and greet friends at an FLACDC event.
MTZ Carver Construction
FCLF projects create jobs and stimulate development in low-income communities.
Armature Works
FCLF and the NMTC Program renovated a historic building into a small business incubaor.
Haley Park Construction
FCLF projects create jobs and stimulate development in low-income communities.
TD Bank Charitable Foundation
Support from TD Bank Charitable Foundation helps FCLF build strong communities.
KIPP Jacksonville
Rep. Ander Crenshaw visited KIPP Jacksonville School
Million Meals 2012
FCLF staff and supporters volunteer at Million Meals event.
Casa San Juan Bosco and FCLF
New rental homes are available for farmworker families at Casa San Juan Bosco.
Casa San Juan Bosco and FCLF
Catholic Charities, Diocese of Venice, financed the land for farmworker rental housing with FCLF.
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Core Purpose FCLF exists to maximize opportunities for people and places outside of the economic mainstream.
Our Vision Opportunity and dignity exist for every person and community in Florida.
Our Mission Our expertise and capital make projects successful and help organizations improve lives and communities.