The Guide’s Guide to Covid-19 Aid Resources

Covid-19 has disrupted the busiest part of the Florida Keys fishing season. The backbone of a guide’s income has been severed. Thankfully, there are several triage programs in place to help sustain small businesses in these uncertain times. The most recent is called Coronavirus Aid, Relief and Economic Security Act (CARES Act). Within that program are several tools for aid, each with their own terms and applications.

Reference this guide for financial aid resources you may choose to pursue. This is not a comprehensive list. This is not professional financial advice. But it’s a good place to start. Consult your own financial advisors to make decisions that are right for you.

Ready for all the details? just click:

CARES Act Comprehensive Guide

PPP Details and Local Resources

Loan Comparison Chart

Or, skip the fine print and check out this QUICK START SUMMARY:

First, if you haven’t already done so, apply for unemployment benefits.


  • Apply online for a Small Business Economic Disaster (EID) Loan
  • WHY YOU WANT IT: Unprecedented rates and qualifying terms. The application takes some time, but has simple instructions.
  • WHERE TO GET IT: Visit
  • Click the top yellow header to APPLY for an EID Loan
  • At the end of the application, be sure to CHECK THE BOX to be considered for an advance $10,000 grant. (A grant = no repayment, and is usually issued before loan approval).

After April 10:

  • Apply at a local bank for a Paycheck Protection Program Loan (PPP)
  • WHY YOU WANT IT: Exceptionally low interest rate and generous forgiveness. No collateral required.
  • WHERE TO GET IT: Some local banks which will be participating in the program are listed below.

Contact Your Local Bank:


Jack Thorley

VP Commercial Loan Officer

 Tel 305.676.3017


William S. Doxey

Vice President Commercial Manager

OFFICE 305-451-5733; MOBILE 786-368-9577

[email protected]

Bette J. Brown

Area Executive – Dade/Monroe

OFFICE 305-245-2211; MOBILE 305-394-5852

[email protected]


 Richard Engel


[email protected]


Lori Bailey

VP/Market Lending Leader

(O) 305-809-5510  Cell 305-504-3779

[email protected]

Available at SBA-approved banks with more banks and non-traditional

lenders being approved quickly

Informational Video with FAQ:

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