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 Loan Application
SBA Form 413- Personal Financial Statement

Quarterly Activity Report

Q2 FY2021


Effective April 27, 2021, Chapter 126, Ordinance Code, was amended to transfer the Access to Capital Program to the Equal Business Opportunity Office.  For more information about the program, please contact Dinah Mason, EBO/JSEB Administrator at (904) 255-8832 or via email at   

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