Disaster Assistance Loans
Small Business Administration
To provide loans to the survivors of declared disasters for uninsured or otherwise uncompensated physical damage and economic injury.
Jargon-free version
Helps businesses recover from disasters by providing loans for damages not covered by insurance. These loans can also cover operating expenses during recovery.
Quick Facts
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What Is This Program?
What Benefits Are Offered?
Low-interest disaster loans for homeowners, renters, businesses of all sizes, and private nonprofit organizations to recover from declared disasters. Loans cover repairs, replacement of physical assets, improvements to mitigate future damage, and small business operating expenses (including during employee active duty call-ups). Counseling and educational resources are also available.
Who Is Eligible?
Business Size: small, medium, large
Region: United States, US territories
Other Criteria: homeowners, renters, private nonprofit organizations, located in a declared disaster area, meet SBA size standards (for businesses), able to repay the loan, have a sound business purpose (for businesses), officially registered and operates legally (for businesses), creditworthy (for businesses)
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Browse Partner Directory🏆 Detailed Application Guide
📋What Are the Application Steps & Timeline?
- 📝Steps to Apply
- Check if your area is in a declared disaster zone.
- Log in to the SBA Loan Portal or register for a new account if you don't have one.
- Complete the application for a disaster loan.
- Submit your application through the SBA Loan Portal.
- 🌐Application Portal
- http://www.sba.gov/Disaster
- 📤Submission Method
- online
- 🔄Intake Type
- rolling
📄What Documents Are Required?
- ✅Required Documents
- SF-424 (Application for Federal Assistance)
- SF-424A (Budget Information - Non-Construction)
- SF-424B (Assurances)
- Project Narrative
- Budget Narrative
- 📐Format Requirements
- PDF only, max 10MB
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💰What Expenses Are Eligible?
- 🧾Eligible Expenses
- Losses not covered by insurance
- Business operating expenses that could have been met had the disaster not occurred
- Repairs and replacement of physical assets damaged in a declared disaster
- Operating expenses after a disaster
- 💳Payment Model
- mixed
- ⏪Retroactive Expenses Eligible
- Yes
🤝Is Matching Funding Required?
- 🔀Matching Required
- Yes
- 📊Matching Ratio
- 25% minimum
- 🏦Eligible Matching Sources
- cash
- in-kind contributions
- 📚Stacking Rules
- Cumulative government assistance is allowed.
- 🛡️Proof of Matching Required
- Documentation of losses not covered by insurance or FEMA funding.
📊What Are the Reporting Requirements?
- 🗓️Reporting Frequency
- annual
- 📑Reporting Requirements
- SF-425 Federal Financial Report
- performance progress report
- 🔍Audit Requirements
- OMB Uniform Guidance Single Audit if the recipient expends $750,000 or more in federal awards.
- 📢Branding Requirements
- Acknowledgment of federal funding is required in all communications regarding the loan.
- 🗄️Record Retention Period
- 3 years post-final-report
How Do I Apply?
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FAQFrequently Asked Questions
This program is available to small, medium, large businesses located in United States, US territories.
This program offers funding up to $9,999,999,999 (minimum $5).
This program accepts applications on a rolling basis.
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