So if you are anything like me the  Corona Virus has shut down your business, or stopped your income and your wondering, what the hell do I do now to pay my bills??

This post is to explore several options that may be available to you.

1. SBA Loan for Women.   Minimum 620 credit score, no bankruptcies, no foreclosures, no defaulted student loans, no defaulted federal loans of any kind. https://www.fundingcircle.com/us/resources/small-business-loans-for-women/   https://www.sba.gov/size-standards/?ms=nid4788 If you can meat the requirements $25k- $500K they also want collateral like your personal residence. Basically not user friendly at all. For women-owned business loans under $25,000, either 7(a) or Express, no collateral is required.  A personal guarantee is required. Other SBA loan programs https://www.fundingcircle.com/us/resources/sba-loans/ most programs like credit scores of 700 or above. https://www.sba.gov/funding-programs/loans/coronavirus-relief-options 
2. Bank Loan.    This type takes into consideration your debt to income ratio and your credit score.
3. Unemployment.    Yes even if you are self-employed you can now apply under the Department of Labor’s Pandemic Unemployment Assistance Program,  make sure you mark the reason as COVID-19. If you are applying in Florida do it at 2 am. Trust me, it took me 15 hours to figure this out, the damn site crashes continuously at normal hours.  connectmyflorida.com   

   http://www.floridajobs.org/Reemployment-Assistance-Service-Center/reemployment-assistance/claimants/rapaperapplication    

   UPDATE : They are now shutting down the website at 8pm every night and it is not accessible to 7 am the next day.  Also, they seem to be shutting it down on weekends.

   UPDATE:  You must  file a separate pandemic claim if you are self -employed, and send your 10999, and tax return within 21  days of filing it to  FLDEO.
4. Stimulus Check.   A one time check $1,200 if you earn up to $99,999, and $500 for each child 16 and under. If you are on social security or disability and don’t file taxes you still should be getting a check.
5.  Small Business Loan.    There are multiple programs available.  https://www.uschamber.com/sites/default/files/023595_comm_corona_virus_smallbiz_loan_final.pdf?fbclid=IwAR0Ezms22WuTWHvJLRoaSWvRUgwo7MYfOCrHG7q0ds18P5cpMTAnyiM_lFA%F0%9D%97%A3%F0%9D%97%A3%F0%9D%97%A3
6. County and City Programs.  Some Cities and Counties have established programs to help their local small businesses. Tampa is one such city.

Carol A. Lawson, Esq., 28870 U.S. Hwy 19 #300, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 410-2705;   email: calh@gate.net

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