U.S. Small Business Administration (SBA): The Small Business Administration (SBA) can loan low-interest disaster loans to homeowners, renters, and business owners. Businesses can borrow up to $2 million to repair/replace disaster property damage. Homeowners may borrow up to $200,000 for disaster related home repairs. Homeowners and renters may borrow up to $40,000 to replace disaster-damaged personal property including vehicles. The SBA may not duplicate benefits from your insurance or FEMA. You may receive an SBA referral when you apply with FEMA. 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.

  • SBA Dependent Types of Other Needs Assistance are only for individuals or household who do not qualify for the SBA may be eligible for the following types of assistance:
    • Personal Property Assistance
    • Transportation Assistance
    • Moving and Storage Assistance
    • Group Flood Insurance Policy
  • Non- SBA Dependent Types of Other Needs Assistance does not require the applicant to apply for a Small Business Administration Loan (SBA) before being considered.
    • Assistance for Miscellaneous Items
    • Child Care Assistance
    • Critical Needs Assistance
    • Funeral Assistance
    • Medical and Dental Assistance
  • Steps to receive Other Needs Assistance (ONA) Program Work – Individual must apply for FEMA for assistance
    • If applicant does not meet the income criteria during the application process they will be immediately referred to the Other Needs Assistance Program.
      • If the applicant receives an SBA application from.
        • It must be filled out and returned
          • If the applicant is not eligible for SBA; the applicant will be referred to ONA
          • If you are approved for SBA but decline the funds you will be ineligible for SBA Dependent Programs, however you may still be eligible to apply for Non-SBA Dependent Programs.
    • Once ONA is identified (under eligible program) the process is approved and funds are immediately deposited into banking account, or a paper check will be mailed depending on the applicant’s preference.


  • Call 1-800-659-2955 from 8AM – 9Pm (EDT) Monday – Friday
  • Email SBA at


  • First Register with FEMA if you have not done so already:
    • or,
    • Call 1-800-621-3362
    • Persons who are deaf, hard of hearing or have a speech disability and use a TTY, call 1-800-462-7585
    • 711 and Video Relay Service (VRS) 1-800-621-3362
  • Application deadlines:
    • Physical Damage: October 24, 2017
    • Economic Injury: May 25, 2018
  • Interest Rates:
No Credit Available Elsewhere Credit Available Elsewhere
Business Loans


Non-Profit Organization Loans 2.500% 2.500%
Home Loans 1.7505 3.500%