• COVID-19 Information

  • We know that the Coronavirus (COVID-19) is top of mind for everyone in our community. Below you will find valuable resources.

  • Health Resources

    Florida Department of Health

    Florida Department of Health - For questions related to COVID-19 in Florida, please contact the Department’s dedicated COVID-19 Call Center by calling (866) 779-6121. The Call Center is available 24 hours per day. Inquiries may also be emailed to COVID-19@flhealth.gov.

    World Health Organization

    World Health Organization Rolling Updates

    CDC

    CDC Situation Summary

  • Business Resources

  • Economic Relief

  • Small Business Administration (SBA) Small Business Administration (SBA)

    Disaster Loan Assistance.
    (
    Click here to apply)

    Federal Disaster Loans for Businesses, Private Nonprofits, Homeowners, and Renters

    Small business owners in all U.S. states and territories are currently eligible to apply for a low-interest loan due to Coronavirus (COVID-19) .

    Find more information on the SBA’s Economic Injury Disaster Loans at: SBA.gov/Disaster.

    The SBA will work directly with state Governors to provide targeted, low-interest loans to small businesses and non-profits that have been severely impacted by the Coronavirus (COVID-19). The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. 

    SBA Express Bridge Loans

    Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 with less paperwork. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct  SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.

    Terms

    • Up to $25,000
    • Fast turnaround
    • Will be repaid in full or in part by proceeds from the EIDL loan

    Find an Express Bridge Loan Lender via  SBA’s Lender Match Tool or by connecting with your local SBA District Office.

    Get Support Directly from the SBA

    If you need additional assistance or information, please contact our Customer Service Center. 

    By Phone:
    1-800-659-2955 (TTY/TDD: 1-800-877-8339) 

    By Email:
    disastercustomerservice@sba.gov

    Document Delivery Options

    Collecting data online is the best way to get your application data to the SBA. If, however, you are unable to provide portions of the required information online, you may use one of the following methods to deliver documents to the SBA. Please understand this will increase the processing time for your application. 

    Email your completed document(s) as attachments to: disasterloans@sba.gov

    Any information you send to SBA via email is sent via an unsecured email link. Due to the nature of the Internet, it is possible that unsecured email could be intercepted by third parties. Attachments that you email to the SBA cannot be larger than 5MB due to the SBA's size limitation on emails.

    To Fax Documents: (Except for Puerto Rico, Commonwealth of the Northern Mariana Islands & Guam) Fax your document(s) to: 1-202-481-1505.

    Customer Service Representatives may be available in your area to assist you with submitting your documents. Click here for a listing of field locations near you.

    Mail your completed document(s) to:

    U.S. Small Business Administration 

    Processing & Disbursement Center

    Attn: ELA Mail Department
    P.O. Box 156119 
    Fort Worth, TX 76155

    Guidance for Businesses and Employers

    The President's Coronavirus Guidelines for America - 15 Days to Slow the Spread

    The Centers for Disease Control and Prevention (CDC) offers the most up-to-date information on COVID-19. This interim guidance is based on what is currently known  about the coronavirus disease 2019 (COVID-19). For updates from CDC, please see the following:

    SBA Products and Resources

    SBA is here to assist small businesses with accessing federal resources and navigating their own preparedness plans as described by the CDC’s Guidance for Businesses and Employers.

    SBA works with a number of local partners to counsel, mentor and train small businesses. The SBA has 68 District Offices, as well as support provided by its Resource Partners, such as SCORE offices, Women’s Business Centers, Small Business Development Centers and Veterans Business Outreach Centers. When faced with a business need, use the SBA’s Local Assistance Directory to locate the office nearest you.

    Access to Capital

    SBA provides a number of loan resources for small businesses to utilize when operating their business. For more information on loans or how to connect with a lender, visit:  https://www.sba.gov/funding-programs/loans .

    How to get access to lending partners? SBA has developed  Lender Match, a free online referral tool that connects small businesses with participating SBA-approved lenders within 48 hours .

    • 7(a) program offers loan amounts up to $5,000,000 and is an all-inclusive loan program deployed by lending partners for eligible small businesses within the U.S. States and its territories. The uses of proceeds include: working capital; expansion/renovation; new construction; purchase of land or buildings; purchase of equipment, fixtures; lease-hold improvements; refinancing debt for compelling reasons; seasonal line of credit; inventory; or starting a business.
    • Express loan program provides loans up to $350,000 for no more than 7 years with an option to revolve. There is a turnaround time of 36 hours for approval or denial of a completed application. The uses of proceeds are the same as the standard 7(a) loan.
    • Community Advantage loan pilot program allows mission-based lenders to assist small businesses in underserved markets with a maximum loan size of $250,000. The uses of proceeds are the same as the standard 7(a) loan.
    • 504 loan program is designed to foster economic development and job creation and/or retention. The eligible use of proceeds is limited to the acquisition or eligible refinance of fixed assets.
    • Microloan program involves making loans through nonprofit lending organizations to underserved markets. Authorized use of loan proceeds includes working capital, supplies, machinery & equipment, and fixtures (does not include real estate). The maximum loan amount is $50,000 with the average loan size of $14,000.

    Exporting Assistance

    SBA provides export loans to help small businesses achieve sales through exports and can help these businesses respond to opportunities and challenges associated with trade, such as COVID-19. The loans are available to U.S. small businesses that export directly overseas, or those that export indirectly by selling to a customer that then exports their products.

    • Export Express loan program allows access to capital quickly for businesses that need financing up to $500,000. Businesses can apply for a line of credit or term note prior to finalizing an export sale or while pursuing opportunities overseas, such as identifying a new overseas customer should an export sale be lost due to COVID-19.
    • Export Working Capital program enables small businesses to fulfill export orders and finance international sales by providing revolving lines of credit or transaction-based financing of up to $5 million. Businesses could use a loan to obtain or retain overseas customers by offering attractive payment terms.
    • International Trade loan program helps small businesses engaged in international trade to retool or expand to better compete and react to changing business conditions. It can also help exporting firms to expand their sales to new markets or to re-shore operations back to the U.S.

    Government Contracting

    SBA is focused on assisting with the continuity of operations for small business contracting programs and small businesses with federal contracts. For more information on federal contracting, visit  https://www.sba.gov/federal-contracting/contracting-guide

    More specifically:

    • 8(a) Business Development program serves to help provide a level playing field for small businesses owned by socially and economically disadvantaged people or entities, and the government limits competition for certain contracts to businesses that participate. The 8(a) program offer and acceptance process is available nationwide, and the SBA continues to work with federal agencies to ensure maximum practicable opportunity to small businesses. 8(a) program participants should stay in touch with their Business Opportunity Specialist (BOS).
    • HUBZone program offers eligibility assistance every Thursday from 2:00-3:00 p.m. ET at 1-202-765-1264; access code 63068189#. Members of the HUBZone team answer questions to help firms navigate the certification process. For specific questions regarding an application, please contact the HUBZone Help Desk at hubzone@sba.gov.
    • Women-owned Small Business firms who have questions, please visit www.sba.gov/wosbready or write to wosb@sba.gov.

    If a situation occurs that will prevent small businesses with government contracts from successfully performing their contract, they should reach out to their contracting officer and seek to obtain extensions before they receive cure notices or threats of termination. The SBA’s Procurement Center Representatives can assist affected small businesses to engage with their contracting officer. Use the Procurement Center Representative Directory to connect with the representative nearest you.

    Local Assistance

    SBA works with a number of local partners to counsel, mentor, and train small businesses. The SBA has 68 District Offices, as well as support provided by its Resource Partners, such as SCORE offices, Women’s Business Centers, Small Business Development Centers and Veterans Business Outreach Centers. When faced with a business need, use the  SBA’s Local Assistance Directory  to locate the office nearest you.

    Mom and Pop Small Business Grant - Miami-Dade County Dist 5 Mom and Pop Small Business Grant - Miami-Dade County Dist 5

    The Mom and Pop Small Business Grant Program through Miami-Dade County offers funding opportunities for small owned and operated businesses to purchase equipment, supplies, advertising/marketing, inventory, building liability insurance, security systems and to make minor renovations.

    For more information and to apply click here.

    The Florida Small Business Emergency Bridge Loan Program The Florida Small Business Emergency Bridge Loan Program

    The Florida Small Business Emergency Bridge Loan Program is currently available to small business owners located in all Florida counties statewide that experienced economic damage as a result of COVID-19.

    These short-term, interest-free working capital loans are intended to “bridge the gap” between the time a major catastrophe hits and when a business has secured longer term recovery resources, such as sufficient profits from a revived business, receipt of payments on insurance claims or federal disaster assistance.

    The Florida Small Business Emergency Bridge Loan Program is not designed to be the primary source of assistance to affected small businesses, which is why eligibility is linked pursuant to other financial sources.  Note: Loans made under this program are short-term debt loans made by the state of Florida using public funds – they are not grants. Florida Small Business Emergency Bridge Loans require repayment by the approved applicant from longer term financial resources.

    Click here to learn more and to apply

    Miami-Dade County Small Business Assistance Forgivable Loan Program Miami-Dade County Small Business Assistance Forgivable Loan Program

    Miami-Dade County Mayor Carlos A. Gimenez has announced the implementation of Miami-Dade County's initial fiscal response to the impacts on small businesses brought on by the novel Coronavirus (COVID-19) outbreak. The $5 million Small Business Assistance Forgivable Loan Program (SBAFLP) utilizes United States Department of Housing and Urban Development (HUD) Community Development Block Grant (CDBG) funds allocated through the Federal Coronavirus Aid Relief and Economic Security Act (CARES Act).

    The loans will be up to $25,000, with O% 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. In Miami-Dade County, the annual AMI for a single person is $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.

    The County's SBAFLP will be administered by the County's Department of Public Housing and Community Development, through two local federally chartered Community Development Financial Institutions (CDFIs) with a history of successful partnership with the County. These CDFIs specialize in micro and small business lending in low- and moderate-income neighborhoods. The two nonprofit organizations are Partners for Self-Employment and Tools for Change.

    To learn more, contact:

    Partners for Self-Employment
    Address:  3000 Biscayne Blvd # 215, Miami, FL 33137
    Email:  success@partnersforselfemployment.org
    Phone:  305-438-1407
    Website:  partnersforselfemployment.org

    Tools for Change
    Address:  5120 NW 24th Avenue, Miami Fl 33142
    Email:  william@tfcmiami.org
    Phone:  305-200-5568
    Website:   tfcmiami.org

  • Chamber Member Benefits and Resources

    The Miami-Dade Gay & Lesbian of Commerce continues its commitment to expanding economic opportunities and advancements of the LGBT business community & its allies. While some of our programming (which is meant to encourage face-to-face connectivity) will be impacted due to the virus, we will continue to assist you, our members, with tools that will aid in marketing your products and / or services to the local LGBT community at large.  Among these tools are:

    Use of our Logo – you are welcomed to make use of the attached Chamber logo in your website and communications.  Acknowledging your affiliation with our organization validates and confirms your support to the LGBT community. Download our logo.

    Announcements in our weekly E-blast – you are encouraged to submit your announcements, offers, or news for placement in our weekly PluggedIN eblasts.  For guidelines and instructions click here.

    Referrals & Introductions – we welcome the opportunity to connect you virtually with other members and make pertinent introductions.  Please contact us at info@gaybizmiami.com with your request.

    Your Profile at GayBizMiami.com – there are many tools within your profile at GayBizMiami.com that allows you to communicate with other members and the availability of enhanced web packages for additional visibility. Login here to update your profile.

    Social Media Visibility – a reminder to send us your announcements and / or creatives to info@gaybizmiami.com so that we can use these as posts in our social media feeds.  Your level of membership dictates how many exposures per month you will receive.

  • Secure your Business

    Below are a few crime prevention tips courtesy of the Miami Beach Police Department you can follow for your business:

    • Ensure locks, alarms, and CCTV are operational.
    • Leave lights on, both inside and out.
    • Remove high-value items from window view.
    • Backup all business documents.
    • Display an empty cash drawer if within window view.
    • Track inventory and update your insurance coverage.
    • If your business is closed all day, check on it during the day and night.
    • Share your contact info with neighboring businesses.
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    Membership gives you exposure to a powerful network of professionals and access to marketing tools.


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