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Getting Disaster Help From SBA

What You Need To Know

  • SBA disaster loans are the primary source of federal assistance to help pay for disaster repair or replacement costs not fully covered by insurance or other compensation.
  • SBA offers low-interest disaster loans to businesses of all sizes, most private nonprofit organizations, homeowners and renters.
  • Businesses of all sizes and most private nonprofit organizations may borrow up to $2 million for property damage.
  • Small businesses, small businesses engaged in aquaculture and most private, nonprofit organizations may also borrow to help meet disaster caused working capital needs. Business statutory loan limit is $2 million for combined damage and working capital needs.  
  • Homeowners may borrow up to $200,000 to repair/replace their primary residence.
  • Homeowners and renters may borrow up to $40,000 to repair/replace personal property.


What You Need To Do

  • Register with FEMA at www.disasterassistance.gov.
  • Homeowners and renters should submit their SBA disaster loan application, even if they are not sure if they will need or want a loan. If SBA cannot approve your application, in most cases we refer you to FEMA’s Other Needs Assistance (ONA) program for possible additional assistance.


Apply online at Home sba.gov

Or contact

SBA Virtual Business Recovery Center

SBA Virtual Disaster Loan Outreach Center

Monday – Friday

8 a.m. – 8 p.m. EDT


(800) 659-2955