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          U.S. Small Business Administration 

U.S. Small Business Administration (SBA)

Program Description

The U.S. Small Business Administration (SBA) offers affordable financial help to businesses and private, non-profit organizations in a declared disaster area. Help is available in the form of low-interest, long-term loans for losses not fully covered by insurance or other means.

SBA's disaster loans are the main federal assistance offered for the repair and rebuilding of non-farm, private sector disaster losses. This is the only SBA direct loan program and is not limited to small businesses.

Businesses of all sizes and private, non-profit organizations may borrow up to $2 million to repair or replace:

  • Damaged or destroyed real estate.
  • Machinery and equipment.
  • Inventory and other business assets.

In some cases, SBA may be able to refinance all or part of a prior mortgage or lien. They may also be able to increase the loan up to 20 percent of the confirmed physical losses. You could use the increase to make improvements that reduce the risk of damage by possible future disasters.

The SBA offers Economic Injury Disaster Loans (EIDL) up to $2 million to help meet working capital needs caused by the disaster for:

  • Small businesses,
  • Small agricultural cooperatives,
  • Small businesses engaged in aquaculture, and
  • Most private, non-profit organizations of all sizes.

EIDL help is available whether the business had any physical property damage or not.

The statutory limit for business loans is $2 million and applies to:

  • The combination of physical, economic injury, mitigation, refinancing, and
  • All disaster loans to a business and its affiliates for each disaster.

General Requirements 

To qualify, your business or private, non-profit organization must have physical damage or economic harm and be located in a disaster-declared county.

Application Process

You may apply at any time with SBA’s online Disaster Loan Application. Or you may mail your application to:

Processing and Disbursement Center
14925 Kingsport Road
Fort Worth, Texas 76155

You may also apply in person at any FEMA Disaster Recovery Center (DRC), SBA Disaster Loan Outreach Center, or SBA Business Recovery Center. There you’ll get personal, one-on-one help from an SBA rep.

To find a center near you or for help to apply by mail, contact our Customer Service Center using the Program Contact Information below.

If you’re a homeowner or renter and want to apply for assistance, you must first apply with FEMA.

Apply online:

Or by phone:

  • 1-800-621-FEMA (3362)
  • TTY 1-800-462-7585
  • 711 or VRS 1-800-621-3362

Program Contact Information

If you have questions on how to apply or want to find an SBA disaster center near you, contact our Customer Service Center: