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www.sba.gov U.S. Small Business Administration *
Disaster Assistance for
Businesses of All Sizes
If your large or small business has suffered physical damage or your small business has sustained economic injury after a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration. If your business – regardless of size – is located in the declared disaster area, you may apply for a low-interest loan to repair or replace damaged property.
Even if your property was not damaged and you are a small business owner, you may apply for a working capital loan from the SBA to relieve the economic injury caused by the disaster.
Physical Disaster Loans
Businesses of all sizes may apply for a Physical Disaster Loan of up to $1.5 million to repair or replace damaged real estate, equipment, inventory and fixtures. The loan may be increased by as much as 20 percent to protect the property against future disasters of the same type. These loans will cover uninsured or under-insured losses.
Economic Injury Disaster Loans
Small businesses and small agricultural cooperatives suffering substantial economic injury may be eligible for an Economic Injury Disaster Loan of up to $1.5 million to meet necessary financial obligations – bills the company would have paid if the disaster had not occurred.
Interest Rates
The interest rate on both these loans is 4 percent if you have no credit available elsewhere. Repayment can be up to 30 years, depending on the business’s ability to repay the loan. For businesses and non-profit organizations with credit available elsewhere, the interest rate is higher.
Application Information
Businesses may apply directly to the SBA for possible assistance. Downloadable forms are available at: www.sba.gov/disaster_recov/. In addition to the loan form, you’ll need a copy of your federal income tax information, a short history of the business, and personal and business financial statements. For more information about SBA disaster assistance for businesses, call toll-free at 1-800-659-2955.
FAQs about Physical Disaster Business Loans
Can I use the disaster loan to expand my business?
The disaster loan is intended to help restore your property to pre-disaster condition, and, under certain circumstances, to protect the structure from future disasters. These funds cannot be used to upgrade or expand a business unless required by city or county building codes.
I already have a mortgage on my business. Can the SBA refinance my mortgage?
The SBA can refinance all or part of a previous mortgage in some cases when the applicant does not have credit available elsewhere, has suffered uninsured damage (40 percent or more of the property value), and intends to repair the damage. Specifics are available from an SBA disaster loan officer.
Disaster Assistance for Businesses of All Sizes, Page 2
How soon before I know I’ve been approved for a loan?
The sooner you return the completed loan application, the sooner the SBA can process it. The SBA tries to make a decision on each application within seven to 21 days. Make sure the application is complete. Missing information causes delays.
Is collateral required for these loans?
For physical disaster loans, amounts over $10,000 must be secured. EIDL loans over $5,000 must be secured. The SBA won’t decline a loan if you don’t have enough collateral, but will ask for whatever collateral is available. That usually consists of a first or second mortgage on the damaged business property.
Should I wait for my insurance settlement before I file my loan application?
No. Don’t miss the filing deadline by waiting for an insurance settlement. Final insurance information can be added when a settlement is made. The SBA can approve a loan for the total replacement cost, but any insurance proceeds that duplicate SBA’s loan must be applied to your SBA loan.
Can I apply for SBA assistance for damage to my farm?
No. You may apply for an SBA disaster loan to cover the damage to your home and its contents only. You may want to contact the U.S. Department of Agriculture for recovery assistance for your farm.
FAQs about Economic Injury Disaster Loans
How may I use an EIDL?
The loan will provide operating funds until your business recovers. You may use the loan to make payments on short-term notes, accounts payable and installment payments on long-term notes. You may request an EIDL for the amount of economic injury and operating needs, but not in excess of what your business could have paid if the disaster had not occurred. The SBA will not refinance long-term debts or provide working capital needed before the disaster.
Must I submit a personal financial statement with my loan application?
Yes. The SBA must review your financial statement and one for each partner, officer, director and stockholder with 20 percent or more ownership. The SBA requires the principals of the business to personally guarantee repayment of the loan, and in some instances to secure the loan by pledging additional collateral.
If I can show the SBA that I am not making a profit, is that enough to qualify me for an EIDL?
Neither lack of profit or loss
of anticipated sales alone is enough to establish substantial economic
injury. Substantial economic injury is defined as the inability
to meet current obligations because of the disaster, and indicators
may include a larger-than-normal volume of receivables, a lower sales
volume, and delinquencies in debt payments.
U.S. Small
Business Administration 1-800-U ASK SBA
All SBA programs and services are offered on a nondiscriminatory basis.
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