Program Overview

The JSEB Access to Capital Program assists Jacksonville Small and Emerging Businesses (JSEBs) certified by the City of Jacksonville to obtain short term working capital loans to support the delivery of goods and services to the City of Jacksonville and its various Authorities and Agencies. 
  • Loan amounts: $5,000 - $100,000
  • No application fees
  • Terms range from 6-60 months
  • Interest rate: Prime + 3%
  • Eligible expenditures: working capital, operating costs, inventory, equipment
  • Minimum credit score of 550 or higher
  • Must have cash flow to support monthly payments


JSEB Access to Capital Program Brochure


JSEB Access to Capital Loan Application
SBA Form 413- Personal Financial Statement

Quarterly Activity Report

Q4 FY2019


For more information about the program, please contact Joe Whitaker with the Office of Economic Development at or (904) 255-5446.