A Loan, not a Grant

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.+”


Additional Information

 SCORE Orlando

We trust this finds you healthy. We are getting lots of mentoring requests so we want to provide you information for quick reference. Since most requests involve the stimulus package, let's start there. 

Although the stimulus package is a wonderful boost for small businesses and individuals, please be patient and remember this was just passed a week ago today. Many websites have been crashing under the pressure. Don't give up, keep trying. 

There are caps on each program, so apply as soon as you can get through. Our national web site has collected summaries of information. Please refer to this link. Here's a quick reference as we know now on the two programs that may be beneficial to you:

Our goal is to continue to link you to webinars to help you through this pandemic. We have heard some of you tried to log into the Google webinar this morning and found it was already full. Our advice is to log in early. Most all webinars have a capacity. 

The Google webinars will be repeated on: (link to April 8 dates)

Critical Updates to Your Online Presence with Google
Wednesday, April 8, 2020 from 9:00 AM to 10:00 AM EDT

Work From Home Effectively with Free Tools by Google
Wednesday, April 8, 2020 from 12:00 PM to 1:00 PM EDT

** Exciting breaking news **

SCORE Orlando is starting our popular series "Coffee with a Leader" via a webinar. Watch for more information as we get these set up.

Difficulty with distance employees 
Many of you are struggling with employees working remotely. 

One of our top sponsors, Unified Office has a solution for you.

 Please read more here.
Unified Office works with all size small businesses. If you need help with your systems during this time please see their website and reach out to Ray Pasquale at ray.pasquale@unifiedoffice.com.

What's the SCORE Radio Show 
We are back live this weekend on our radio show! 

This weekend will feature our team of Chris Hart, Rich Jaeckle, and Lucy Pulido with guest Jerry Ross, president of the NEC. Catch us on WORL, FM 94.9 Saturday at 3 pmand Sunday at 3 and 10 pm. Note our show is a PSA for the station so it is subject to change. Check their site for updates. 

SCORE Orlando News
On April 2, 2020, Lois Perry, our Chapter Chair, did an online interview with Meteoric Studio. Please view here.

You Are Not Alone.

Social isolation is very difficult for all of us. Don't think you are alone. Reach out to your SCORE mentor. If you need a mentor, please complete a mentor request at the button below and we will get back with you.

Email us at: score@nationalec.org
Call us, be sure to leave a message if your call is not answered:

Until further notice, SCORE Orlando has cancelled all seminars and events.
If you have registered and/or paid for an upcoming seminar or event, you will receive a cancellation notice, a refund and notification of the rescheduled date for that seminar or event.

SCORE Orlando's public offices will NOT be open, and will remain closed as long as it required by proper authorities who deem it necessary for us to refrain from person to person contact.

Stay safe, stay healthy and stay tuned!

Your SCORE Orlando Team!

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There's so much confusion  right  now.  
We  are  living  a  moment  that  we‘ve  never thought we could live. 

Uncertainty is now part of our daily routine, but help is on its way.

The Florida Government has created a loan to help small businesses get through this phase. Click on the link to apply.

Florida Government Loan for Businesses

The U.S. Small Business Administration offers loans of up to $2 million.

Source: Tampa Bay news l

With the coronavirus pandemic shutting down business statewide, Florida Gov. Ron DeSantis this week made $50 million available to small businesses in the state hurt by the disaster.

“This amount may be expanded at a later time based on demand and necessity,” DeSantis said. “But this will be available for small businesses in all counties within the state from two to 100 employees.”

That’s because efforts to mitigate the spread of the virus by reducing social interaction in public and commercial spaces will harm “small businesses throughout our state,” DeSantis said.

“The problem is, if you’re in some of these industries that are really getting hit, you have a cash-flow issue, particularly if you have tight margins,” he said. “This is a way to kind of keep people afloat, and then when we get on the other side of this, hopefully (we) can be able to get back to business as usual.”

Here are some details of the Florida Small Business Emergency Bridge Loan program:

Who can apply? For-profit, privately held small businesses with two to 100 employees that maintain a place of business in Florida, were established before March 9, 2020 and suffered economic injury as a result of the disaster. The need for the loan and use of the money must be directly related to the economic injury caused by the disaster.

How much is available? Up to $50,000 per eligible small business. Only one loan will be made per eligible business. Loans of up to $100,000 are possible in special cases as warranted by the need of the eligible small business.

What are the terms? The loans will be for one year with no interest. If not repaid within a year, the interest rate on the unpaid balance will rise to 12 percent per year until the loan is paid in full. Borrowers who default on the loans will be subject to normal commercial collection processes. If a business has received a previous loan from the state emergency bridge loan program, that loan must have been paid in full before the business can apply for a coronavirus-related loan.

What’s the deadline? May 8, depending on the availability of funds.

How do I get started? Go to floridadisasterloan.org/eligibility-and-loan-process/. The loan application is available at floridadisasterloan.org/a/w/wp-content/uploads/2020/03/20200316-COVID-19-Florida-Emergency-Bridge-Loan-Application.pdf

Are any businesses not eligible? Yes. Ineligible businesses include those that make more than one-third of their gross annual revenue from legal gambling, as well as any businesses engaged in any illegal activity, businesses that present live performances of an “indecent sexual nature” or derive more than 2.5 percent of their gross revenue by selling products or services that display an indecent sexual nature, businesses that have a primary purpose of facilitating polyamorous relationships, massage parlors, hot tub facilities and escort services.

The Florida Department of Economic Opportunity manages the loan program in partnership with Florida First Capital Finance Corp. and the state’s network of small business development centers, known as SBDCs.

In the Tampa Bay area, businesses can ask for assistance in completing the application from the Florida SBDC at USF, a state-designated provider of small business assistance to businesses in a 10-county area that includes Pinellas, Hillsborough, Pasco, Hernando, Manatee, Sarasota and Polk counties.

Tampa Bay area businesses can register with the small business development center at USF at sbdctampabay.com/schedule-consultant/ and can submit completed applications and the required support documentation to USF@FloridaSBDC.org, which the USF SBDC is the most expedited option.

“We understand the urgency surrounding the Florida Small Business Emergency Bridge Loan program,” Florida SBDC at USF regional director Eileen Rodriguez said in a statement. "We are are here to help and will work with small business owners as quickly as possible, as we are experiencing a high volume of inquiries right now.”

To contact the Florida SBDC at USF, Tampa Bay area businesses can email USF@floridasbdc.org, call (813) 905-5800 or check SBDCTampaBay.com/coronavirus.

In Tampa, City Hall on Wednesday activated a Tampa Recovery Hotline at 1 (833) 872-4636 (TPA INFO). There, businesses can get information from 8 a.m. to 8 p.m. weekdays on the state’s small business bridge loan program, as well about other local, state and federal coronavirus-related resources as they become available. 

For text alerts from the city about business resources in Tampa, text TAMPABIZ to 888-77

Outside the Tampa Bay area, businesses seeking assistance completing the application form can find their local small business development center by checking FloridaSBDC.org/locations or calling (866) 737-7232.

In addition to the state program, the U.S. Small Business Administration is offering low-interest federal disaster loans to provide working capital for Florida small businesses that are being substantially injured by the coronavirus pandemic.

Loans of up to $2 million are available to help meet financial obligations and operating expenses for small businesses statewide that have been impacted since Jan. 31, as well as for private non-profit organizations of any size, small agricultural cooperatives and small aquaculture enterprises. The deadline to apply is Dec. 18.

“We will be swift in our efforts to help these small businesses recover from the financial impacts of the coronavirus,” Small Business Administration Administrator Jovita Carranza said in announcing the loans. “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 federal economic injury disaster loans have interest rates of 3.75 percent for small businesses and 2.75 percent for nonprofit organizations. Repayment plans of up to 30 years are available.

You can apply online, get disaster assistance information and download applications at disasterloan.sba.gov/ela. For more information, call the Small Business Administration’s customer service center at (800) 659-2955 or email disastercustomerservice@sba.gov. Individuals who are deaf or hard‑of‑hearing can call (800) 877-8339. Mail completed applications to the U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.








APRIL 2020


Office Hours: Monday to Friday – 8:30 AM to 5:30 PM

Contact our office today!  (407) 502-3000 


In order to prevent the spread of COVID/19, the Mubarak Law team members have been working remotely. Our office is completely operational, however, we have temporarily suspended in-person meetings. If you have a case with our office, please rest assured we are continuing to work on all cases. Fortunately, our office has the technology in place that allows us to work remotely. We are still having many consultations on virtual platforms, feel free to contact us to schedule. We appreciate your patience during this time. These steps are necessary for the safety of our clients, and our office team members. We hope you and your loved ones remain safe and healthy during this difficult time.

As of March 18, U.S. Citizenship and Immigration Services has temporarily suspended routine in-person services through at least May 3 to help slow the spread of coronavirus (COVID-19). USCIS staff will continue to perform mission critical duties that do not involve contact with the public. However, USCIS will provide emergency services for limited situations  

News and Updates

  • Florida Governor RonDeSantis signed a stay-at-home order for the entire state of Florida; residents can go out for essential activities only. You can find the full Executive Order by clicking here;
  • F-1 Students may request employment authorization to work off-campus if experiencing severe economic hardship because of unforeseen circumstances beyond their control (if certain regulatory requirements are met);
  • Given the circumstances, foreigners in the US with ESTA may be allowed to obtain a "satisfactory departure". Contact us if you need help with this;
  • Visa tracker is an app where you can check your case updates, access the visa bulletin (March is now available), and read news related to immigration matters in the United States. Click here to download the app in the Apple Storeor Google Play.
  • You can now make your monthly payments online, click here to make a payment today.
  • 10 Things To Do With the Kids at Home1. Set up a treasure hunt. Hide a few items at the house and keep the kids occupied for a few hours;
    2. Bake with your kids. Cookies, cake, pies. Baking can be a good opportunity for a lesson to them.
    3. Train your dog. Use the free time to start training your dog or improve his training skills.
    4. Play. It can be cards, board games or, video games.
    5. Take the kids for a walk. It is free!
    6. Practice instruments. If your kids are learning any instrument, this can be a good time for them to practice more.7. Watch movies. Let them pic their favorite titles.
    8. Gardening basics. Plant a garden with the kids, show them how to take care of the garden, teach the name of the plants.
    9. Create your own book club. Read with your kids and talk about the book they read.
    10. Call family members on video. Keep the kids connected with the family.

  • Case of the Month

    Attorney Mubarak represented this individual for several years. 
  • We are very happy to see that she has completed the final step of this journey.
    Congratulations Reem!!Don't just take our word for it. Read what our customers have to say about us!
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  • Tips to Keep Active at Home 🏋️
  • The coronavirus outbreak has impacted in everyone's life. With most of businesses and only a few activities considered essential, we decided to list a few tips to help you keep active:
    Go for a walk, run or outdoor exercises.
    Check for free yoga classes online.
    Be careful with your diet.

    1. April Fool's Day
    10. Good Friday 🐰
    12. Easter
    22. Earth Day 🌎 2
  • 5. Saturday Consultations