How to apply for an SBA disaster loan

Q: How to apply for an SBA disaster loan

You can apply for an SBA disaster loan in one of two ways: Apply online on SBA.gov. Apply in person at a FEMA Disaster Recovery Center (DRC). Call the SBA contact center at 1-800-659-2955 (TTY: 711) to request paper forms or find the location of a Disaster Recovery Center. 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 disaster number Deed or lease information Insurance information Financial information Employer Identification Number (EIN)

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) offers low-interest loans after a declared disaster. The loans can help businesses of all sizes, nonprofit organizations, and individual households. The loans can pay for:

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

Learn about the types of disaster relief loans

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

Loan type	Description
Economic Injury Disaster Loan (EIDL)	Assists with operational costs whether or not a disaster caused physical damage to a business
Home and personal property loans	Helps homeowners and renters replace or repair damaged homes, cars, appliances, furniture, and clothing
Business Physical Disaster Loan	Provides for the repair or replacement of buildings, machinery, fixtures, and inventory
Military Reservists Economic Injury Loans	Helps businesses cover operational expenses if an essential employee is called to duty as a military reservist