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On May 28, 2020, the House of Representatives passed the Paycheck Protection Program Flexibility Act and it was subsequently approved by the Senate on June 3, 2020. The bill is now awaiting approval from President Trump. Click here for details!

Federal Government Approves Additional Funding for PPP and EIDL Relief 

On April 23, 2020, the Paycheck Protection Program and Health Care Enhancement Act was passed. Please click here to go to the Carr Riggs Ingram website for further details.

We hope you and your loved ones are doing well during these challenging times. FOWA has been researching some of the various resources available for small businesses in order to provide information to its members.

There are several financial assistance resources available through the Small Business Administration (SBA) including the Paycheck Protection Program (PPP), Economic Injury Disaster Loan (EIDL) & Emergency Economic Injury Grant Programs to help small businesses impacted by the COVID-19 pandemic.

Paycheck-Protection-Program (PPP):
A PPP-Fact Sheet is attached regarding the Small Business Administration’s (SBA) Paycheck-Protection-Program along with an application. This program offers forgivable loans to businesses to help them pay their employees during the COVID-19 pandemic. We’ve also included an information sheet on the PPP Program provided by The US Chamber of Commerce.

As explained on the site: “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.”

SBA Lenders:
If your current financial institution doesn’t provide assistance in SBA loan programs, this link gives a breakdown of the “100 best lenders” and includes the areas in which they specialize and was written by Tricia Tetreault who is a staff writer at Fit Small Business, specializing in Small Business Finance. Thank you to Matt Surrency of Edward Jones ( for providing this information for our members.


Economic Injury Disaster Loan (EIDL) & Emergency Economic Injury Grant Program:

There are also additional resources available on the website for small businesses in addition to the PPP loan, such as the COVID-19 Economic Injury Disaster Loan (EIDL) (funds that must be paid back) and the Emergency Economic Injury Grant program (funds do not need to be paid back). The Emergency Economic Injury Grants are emergency funds of up to $10,000 that can be issued within three days of applying for an EIDL. In order to request the $10,000 advance, you must fill out the EIDL application. You may click this link for a streamlined application for the EIDL and grant.  

The Small Business Owners Guide to the Cares Act provided by The US Senate Small Business and Entrepreneurship Committee includes Frequently Asked Questions and Answers regarding all of these programs. 

If you need assistance with your SBA application, you may contact your Florida Small Business Development Center, however, they are experiencing a huge volume of requests now. 

We will continue to provide additional information as it becomes available regarding COVID-19 as it applies to the OSTDS Industry including continuing education opportunities for contractor license renewal. 

Stay safe and healthy,

All of us at FOWA

Florida Onsite Wastewater Association, Inc.
P. O. Box 665
Winter Haven, FL 33882
(863) 845-5262

(c) 2021 Florida Onsite Wastewater Association, Inc. - All Rights Reserved

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