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The Florida Department of Economic Opportunity offers many programs to help small businesses, including loans, loan guarantees, tax credits and technical assistance. Please download our brochure to see details on what we can offer your small business.

Rebuild Florida Business Loan Fund

The Rebuild Florida Business Loan Fund provides loans to assist small businesses with recovery and resiliency.

Rural Community Development Revolving Loan Program

The Rural Community Development Revolving Loan Program provides local governments with access to financial assistance to develop or maintain the local economy.

Black Business Loan Program

The Black Business Loan Program provides alternative lending opportunities and technical assistance to black business enterprises that cannot obtain capital through conventional lending institutions, but could otherwise compete successfully in the private sector.

Florida's Microfinance Guarantee Program

The purpose of Florida's Microfinance Guarantee Program is to improve the ability of entrepreneurs and small businesses to access capital and credit. Small business in this program is defined as entities with 25 or fewer employees, and gross annual revenues of $1.5 million on average.

State Small Business Credit Initiative

The State Small Business Credit Initiative supports access to capital for small businesses and entrepreneurs by provision of the following sub-programs:

Lender Advantages

  • Credit enhancements to strengthen bank loans and reduce risk
  • Delegated lending model where lenders manage underwriting
  • Streamlined procedures and quick response to project loan requests
  • Opportunity for Community Reinvestment Act credit

Business Advantages

  • Increases access to capital
  • Provides business management training and technical assistance
  • Includes eligibility for newly established or growing small businesses
  • Offers flexible use of funds - startup costs, working capital, and the acquisition of real estate, materials, fixtures and equipment

Additional Resources

  • Enterprise Florida, Inc.: A public-private partnership between Florida’s business and government leaders and is the principal economic development organization for Florida. Its mission is to expand and diversify the state’s economy through job creation.
  • FloridaMakes: A service that works with individual manufacturing companies in Florida to make the best use of public, private, state, and national resources to enhance and further growth. Emphasis is on small- and medium-sized firms.
  • Small Business Development Center
  • Small Business Administration
  • Urban League BC
  • Miami Bayside Foundation
  • Florida A&M University Federal Credit Union
  • Florida First Capital Finance Corporation


  • Mason Alford

    (850) 717-8964
An equal opportunity employer/program.  Auxiliary aids and services are available upon request to individuals with disabilities.
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