Covid-19 Information




Okaloosa County Small Business COVID-19 Recovery Grant Program

Please read the information on this website before applying

Applications will not be accepted before May 26th. 




Okaloosa County, in partnership with the Florida SBDC at UWF, has decided to fund a Small Business COVID-19 Recovery Grant Program. Okaloosa County will fund the grant with a contribution of $113,000. The City of Fort Walton Beach will also contribute $100,000 for small businesses located within the city limits. The individual grant amount is $2,500. Each applicant OR business can only receive one grant. The Florida SBDC at UWF will process COMPLETE application packets for eligible for-profit businesses; a third-party review board will review applications for approval; and UWF will distribute the appropriate funds to businesses who have been awarded the grant. The review board will confirm eligibility, and approve the award of grant funding to each applicant on a case-by-case basis using the parameters listed below. The COVID-19 Grant is intended to assist for-profit businesses located in Okaloosa County, by addressing their immediate cash flow needs as a result of demonstrated economic injury due to COVID-19.


  1. A for-profit, privately-held small business that maintains a storefront location in Okaloosa County and/or the City of Fort Walton Beach.


  1. Your business must have been established and active in Okaloosa County prior to 1/1/2019.


  1. Your business must have been profitable in 2019 as indicated in tax returns or financial documents.


  1. The business must have a demonstrated reduction in sales revenues of 25% or more due to the loss of business income related to COVID-19. Applicant must provide written justification and documented evidence of economic loss or injury caused by the declared disaster, e.g. sales reports or income statements from a previous year compared to the current period.


  1. The business must be a small business with no more than 20 employees. Number of employees will be verified using employer documentation (Form W-3, Form 941 or 1099s). Please note, if submitting Form 1099s, we will only accept 1099s written out to individual employees, not other businesses.  


  1. The business must not have received funding from another grant program available to small businesses in the Panhandle.


The window for submission of applications will open on Tuesday, May 26 at 8:00am CDT, and will be closed on May 29 at 5:00pm CDST. Please ensure that you have submitted a COMPLETED application package before the deadline. Applications will be available for download beginning May 20, but PLEASE NOTE applications sent in before Tuesday, May 26 at 8:00am CDT will not be reviewed.

A complete application package will consist of the following:

  • A completed grant application form. [CLICK HERE FOR AN APPLICATION FORM]

  • 2019 Business Tax Return (If 2019 has not been filed, a 2018 tax return AND full-year 2019 Profit and Loss Statement must be submitted).
  • Profit & Loss Statements (P&L) for April 2019 and April 2020. In the absence of P&L, you may also submit Point of Sale (POS) or other reports. Bank statements will not be accepted.
  • Employer Form 941(Q1 2020), IRS Form W3 (2019) or Form 1099. Please note, if submitting Form 1099, it must be made out to an individual and not to another business.
  • A copy of the primary applicant(s) driver’s license(s).
  • Any other documentation supporting your claimed economic loss such as a lost/canceled orders report or evidence of customer refunds.


Note: Your application package will not be accepted unless it is complete. Please fill out the entire application form carefully and ensure that all your supporting documents are attached.

Steps to apply for the grant:

  1. Visit and submit a request for consulting. Remember to identify “Okaloosa COVID-19 Grant” by name in the request form.  Submitting a request for consulting makes you a registered client of the Florida SBDC at UWF​Only those registered and receiving emails will receive information regarding program status.
  2. Email your application package to
  3. Applications will be accepted as of the time and date when a complete application package has been received. Eligible and completed applications will be processed and awarded on a first-come, first-served basis. If enough completed applications are received to exhaust grant funds, those applicants who submitted incomplete applications will not be contacted for revision. 
  4. A decision to award the grant will be made after the acceptance deadline has passed. Only those applicants who were awarded the grant will be notified.


Expect approved grants to be Awarded to businesses in June, 2020.