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Jacqueline Perez


May 29, 2020

From our GKBA member, Jacqueline Perez, she is offering face masks for breast cancer survivors and those dealing with cancer. This is her donation to the organization during these times. If you are interested, please contact her at jperez@onesharehealth.com and leave your name and address. 

Silver Trustee: Ser & Associates


April 17, 2020

Here are some of the initiatives that may be helpful to your small business:

  • Micro Finance Guarantee Program- Through this program, the State guarantees loans received from private lenders. The program is available for small businesses with 25 or less employees and revenues of less than $1,500,000. The program is currently waving its initial fee. Click here for more information: https://www.enterpriseflorida.com/small-business/microfinance-guarantee-program/
  • Short Term Compensation- The short term compensation program provides prorated unemployment benefits for full time employees whose hours need to be reduced to avoid layoffs. In order for your employees to participate, you must first submit a short-term compensation plan to the DEO for approval. Click here for more information: http://floridajobs.org/Reemployment-Assistance-Service-Center/reemployment-assistance/employers/short-time-compensation
  • Annual Report- The deadline for filing your corporation’s or LLC’s annual report with the Division of Corporations (Sunbiz.org) has been extended to June 30.
  • Sales Tax Filing- The filing and payment of Sales and Use Tax (along with Tourist Development Tax, Solid Waste Fees and Prepared Wireless E911 fees) has been extended to April 30 for businesses adversely affected by Covid-19. Adversely affected means your business is closed, it collected less than 75% of sales tax in March 2020 compared to March 2019, the business was established after March 2019, or the business files quarterly.
  • Documentary Stamp- Documentary stamps have been waived for loans your business receives pursuant to the CARES Act (the SBA Economic Injury Disaster Loan (EIDL) and the Payroll Protection Program (PPP) :oan).
  • Building Permits- Under Florida law, when a state of emergency for a natural disaster is issued, building permits are tolled and extended for the period of state of emergency and for an additional six months after the emergency is terminated.

If you have any questions about the above or any of the relief programs provided in the CARES Act, such as, the EIDL or PPP, please contact Ser & Associates at 305-222-7282 or info@ser-associates.com.

Small Business Administration

Payroll Protection Program

April 15, 2020

"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.

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.

Lenders may begin processing loan applications as soon as April 3, 2020. The Paycheck Protection Program will be available through June 30, 2020."

To learn more, follow the link below and browse through the different categories of information.

Source: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp

Small Business Administration


April 7, 2020

Economic Injury Disaster Loans and Loan Advance

In response to the COVID-19 pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. 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.

The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. This loan advance will not have to be repaid.

Click here to apply for a COVID-19 Economic Injury Loan.

Source: https://www.sba.gov/page/disaster-loan-applications

U.S. Department of Labor


April 7, 2020

Temporary Rule: Paid Leave under the Families First Coronavirus Response Act

On April 1, 2020, the U.S. Department of Labor announced new action regarding how American workers and employers will benefit from the protections and relief offered by the Emergency Paid Sick Leave Act and Emergency Family and Medical Leave Expansion Act, both part of the Families First Coronavirus Response Act. The Department’s Wage and Hour Division posted a temporary rule issuing regulations pursuant to this new law, effective April 1, 2020. For more information, see https://www.dol.gov/agencies/whd/ffcra.

FFCRA will help the United States combat and defeat COVID-19 by reimbursing American private employers that have fewer than 500 employees with tax credits for the cost of providing employees with paid leave taken for specified reasons related to COVID-19. The legislation will ensure that workers are not forced to choose between their paychecks and the public health measures needed to combat the virus, while at the same time reimbursing businesses.

Source: https://www.dol.gov/agencies/whd/pandemic

On April 1, 2020, the U.S. Department of Labor announced new action regarding how American workers and employers will benefit from the p

Governor Ron DeSantis


April 7, 2020

Emergency Bridge Loan Programs for Small Businesses Impacted by COVID-19

On March 16, Governor Ron DeSantis activated the Florida Small Business Emergency Bridge Loan Program to support small businesses impacted by COVID-19. The bridge loan program, managed by the Florida Department of Economic Opportunity, will provide short-term, interest-free loans to small businesses that experienced economic injury from COVID-19. The application period is open, it started on March 17, 2020 and runs through May 8, 2020.

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.

DEO is currently surveying businesses throughout the state of Florida who have been impacted by COVID-19. Businesses and non-profits can access the Business Damage Assessment survey at FloridaDisaster.BIZ. Select “COVID-19” from the drop-down menu on the survey page. Response to the Business Damage Assessment survey is not an application for assistance. Businesses interested in the bridge loan program must fill out a bridge loan application.

For more information on the program, visit www.floridadisasterloan.org. For questions regarding the Emergency Bridge Loan Program, contact the Florida Small Business Development Center Network at 866-737-7232 or email Disaster@FloridaSBDC.org. 

Source: https://www.flgov.com/2020/03/16/governor-ron-desantis-activates-emergency-bridge-loan-program-for-small-businesses-impacted-by-covid-19/

Governor Ron DeSantis


April 7, 2020

Silver Trustee: Ser & Associates


April 1, 2020

Coronavirus Small Business Resources and Updates

Short Time Compensation Program for Employers
If you are an employer struggling to retain your employees during the Coronavirus pandemic, and you are choosing not to apply for one of the Federal government subsidized loans or you are not eligible, you may want to consider the Florida Department of Economic Opportunity’s Short Time Compensation Program for Employers (“STC”), which helps employers retain their workforce in times of a temporary slowdown, such as now.

The STC program permits prorated reemployment assistance benefits to employees, but it is the employer who must apply before an employee can receive the STC benefit.

The STC Program’s goals include:

  1. Helping employees retained during a temporary slowdown resume regular work when business conditions improve and prevent full unemployment.
  2. Helping employers avoid the expense of hiring and training new employees when business conditions improve.
  3. Helping employers use the STC program as a transition for laying off employees while allowing these affected employees to work reduced hours with an opportunity to find new employment before the expected layoff.

STC benefits are payable when normal hours of work are reduced from 10-40 percent. For every week that STC benefits are claimed, at least 10 percent of the employees from the total staff or within a particular unit must have their working reduced hours.

In order to qualify for the program, the employer must meet the following eligibility requirements:

  1. The employer must describe a plan for giving notice to an employee whose workweek is to be reduced, together with an estimate of the number of layoffs that would have occurred absent the ability to participate in the STC program.
  2. If the employer is a client company trying to apply for a plan for leased employees, contact the leasing company. The leasing company will need to file a plan separately on behalf of their employees.
  3. Reduced hours must be used as a temporary solution to avoid a layoff. The employer must submit a STC plan application to the STC Coordinator, Reemployment Assistance Services
  4. Participating employees must be full-time permanent employees (at least 32 hours per week prior to STC reduction).

To apply for the STC Program, visit this link https://connect.myflorida.com/Employer/Core/Login.ASPX

Ser & Associates is committed to the small business community and is working with many small businesses trying to find their way through these very difficult times. If you believe your business has been affected by the Coronavirus and you would like to discuss the applicability of the new directives to your business, contact us at 305-222-7282 so that we may assist you.

*** At Ser & Associates, we provide a business approach to legal services. Our mission is to work with small businesses and their owners with a one-stop shop approach that includes business and contract law, residential & commercial real estate (buy/sell, leasing), Land Use & Zoning, government contracting, minority certification, litigation, estate planning, intellectual property (trademarks/copyrights) and wealth protection. We also offer the MyGC/My General Counsel® Program to those business owners requiring on-going legal services at an affordable monthly rate. Contact us at Info@Ser-Associates.com or 305-222-7282 for a free consultation.

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