SBA s Disaster Assistance Program
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1 SBA s Disaster Assistance Program Frank Skaggs, Center Director Field Operations Center East Atlanta, GA Florida Governor s Hurricane Conference Orlando, FL May 11-16,
2 Mission To help people recover from disasters and rebuild their lives by providing financial assistance to homeowners, renters and businesses following a declared disaster. Assistance is available in the form of low-interest, long-term disaster loans. 2
3 FOC-E Territory FOCE AK OR CA WA HI NV ID AZ UT MT WY CO NM ND MD NE KS OK TX MN WI MI IA OH IL IN MO KY AK TN MS LA AL FOC East NH VT NY PA WV VA NC SC GA FL ME MA RI CT NJ MD VI 1. Alabama 2. Connecticut 3. Delaware 4. DC 5. Florida 6. Georgia 7. Illinois 8. Indiana 9. Kentucky 10. Maine 11. Maryland 12. Massachusetts 13. Michigan 14. Minnesota 15. Mississippi 16. New Hampshire 17. New Jersey 18. New York 19. North Carolina 20. Ohio 21. Pennsylvania 22. Rhode Island 23. South Carolina 24. Tennessee 25. Vermont 26. Virginia 27. West Virginia 28. Wisconsin 29. Puerto Rico 30. U.S. Virgin Islands FOC West U.S. Territory of the Pacific Islands: AS, NMI, FSM, GM, RMI PR
4 SBA History in Making Disaster Loans The SBA s low-interest loan program was designed by Congress to enable those affected by unforeseen catastrophic events to recover with as little adverse impact as possible. SBA has been making disaster loans since 1953, and has approved more than $53 billion in disaster loans to more than 1.9 million homeowners, renters and businesses. 4
5 SBA Disaster Loans for FL Since 2004 Type of Loans Number of Loans Dollar Amount Homes 59,138 $1,712,942,600 Businesses 15,346 $1,234,395,900 Total 74,484 $2,947,338,500 5 May 1, 2014
6 Disaster Loan Program SBA disaster loans are available in: Major (Presidential) disaster declarations Administrative declarations for smaller disasters Disaster loans are for uninsured or uncompensated losses. They are direct from the federal government (SBA); not from a bank. 6
7 Types of Disaster Declarations Presidential (Individual / Public Assistance) Administrative (Agency) Governor s Certification Secretary of Agriculture Military Reservist SBA s Administrator Maria Contreras-Sweet 7
8 SBA Disaster Loan Limits Types of Loans Borrowers Purpose Max Amount Home Loans Homeowners Repair or replace real property $200,000 Home Loans Homeowners & Renters Repair or replace personal property $40,000 Business Loans Physical Businesses and non-profits of all sizes Repair or replace real estate, equipment, furniture, etc. $2 million Economic Injury Loans Small businesses & most private non-profits of all sizes Economic injury disaster loans or working capital loans $2 million Mitigation Homeowners, businesses and non-profits of all sizes Mitigate / prevent future loss to real property 20% of verified physical damage. Homeowners limited to $200,000. 8
9 Features of SBA Disaster Loans Loan terms Up to 30 years based on ability to repay; lower-fixed interest rate. Relocation Funds may be used to relocate. Refinancing Only for homeowners & businesses. 9
10 Requirements for Loan Approvals Eligibility - Damaged property / business must be located in a declared county. Credit History Must be acceptable to SBA. Repayment Ability - Show sufficient income to repay SBA loan. 10
11 Some Misconceptions Most people do not know that SBA offers disaster loans to homeowners and renters. Some survivors think they must wait on their insurance settlement before applying to SBA. Many survivors do not understand the difference between FEMA and SBA. 11
12 Ways to Apply Online Electronic Loan Application (ELA) at: Visit a local recovery center for one-onone assistance with a Customer Service Representative. Mail by downloading paper application from or contact SBA s Customer Service Center at In Presidential declarations, survivors should first register with FEMA at
13 13
14 U.S. Small Business Administration For More Information, Contact SBA s Customer Service Center at: (TTY) Frank Skaggs, Center Director Timothy.Skaggs@sba.gov Brenda Ballew, Deputy Center Director Brenda.Ballew@sba.gov Michael Lampton, Public Affairs Director Michael.Lampton@sba.gov
15 15 What Would You Like to Know?
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