Skip to main content

How to apply for a small business disaster loan

If your business or home suffered damage and is in a presidentially declared disaster area, you may qualify for financial help. Find out how to apply for a small business disaster loan.

Find out what expenses an SBA disaster loan can pay 

The Small Business Administration (SBA) extends low-interest loans after a disaster. The loans can help businesses of all sizes, non-profit organizations, and individual households. The loans can pay for:

  • Repair or replacement of physical damages
  • Expenses that your business’ or homeowner’s insurance policies do not cover
  • Personal expenses

Learn about the types of disaster relief loans

SBA disaster loans cover different types of losses after a disaster. Learn more about each type of loan and if you are eligible:

How to apply for an SBA disaster loan

Before applying for an SBA disaster loan, you must register with FEMA:

Check to confirm that you are eligible, then apply with FEMA online.

After receiving a FEMA registration number, you can then apply for an SBA disaster loan in one of three ways:

You can also find a Disaster Recovery Center or request paper forms by calling the SBA contact center at 1-800-659-2955 (TTY: 711).

Documents required to apply for an SBA disaster loan

You will need documentation of the following when you apply for an SBA loan:

  • Contact information for all applicants
  • Social Security numbers for all applicants
  • FEMA registration number
  • Deed or lease information
  • Insurance information
  • Financial information
  • Employer Identification Number (EIN)

LAST UPDATED: July 10, 2024


Have a question?

Ask a real person any government-related question for free. They will get you the answer or let you know where to find it.