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Provides low-interest loans to repair or rebuild homes, businesses, and household and personal property damaged due to disasters in federally-declared disaster areas. Only covers uninsured and uncompensated losses. Amount of loan offered may vary with situation.

Provides low-interest loans for renters, homeowners, and small business owners for physical property damages that result from a natural disaster that has been declared as such by this agency. The area DOES NOT have to be declared a disaster by FEMA. Loans cover dwelling and personal property (personal property only for renters). Loans are up to $200,000 for home repair, up to $40,000 to replace personal property and up to 2 million for small businesses and nonprofits.

Businesses and private nonprofits are eligible to apply for business physical disaster loans and may borrow up to $2 million to repair or replace disaster-damaged or destroyed real estate, machinery and equipment, inventory, and other business assets. Homeowners and renters are eligible to apply for home and personal property loans and may borrow up to $100,000 to replace or repair personal property, such as clothing, furniture, cars, and appliances. Homeowners may apply for up to $500,000 to replace or repair their primary residence. The filing deadline to return applications for physical property damage is Nov. 12, 2025. The deadline to return economic injury applications is June 12, 2026.

Provides low interest disaster loans to homeowners, renters, businesses of all sizes and private, nonprofit organizations to repair or replace real estate, personal property, machinery and equipment, inventory and business assets that have been damaged or destroyed in a declared disaster.

Physical disaster loans are a primary source of funding for permanent rebuilding and replacement of uninsured disaster damages to privately-owned real and/or personal property. SBA's physical disaster loans are available to homeowners, renters, nonfarm businesses of all sizes and nonprofit organizations.

Provides disaster assistance in the form of low-interest loans to renters and homeowners located in regions affected by declared disasters.

Individuals and families who do not have access to other types of assistance in the event of a disaster (for long-term recovery).

Provides low interest disaster loans to homeowners, renters, businesses of all sizes and private, nonprofit organizations to repair or replace real estate, personal property, machinery and equipment, inventory and business assets that have been damaged or destroyed in a declared disaster.

If your small business or private, nonprofit organization has suffered economic injury, regardless of physical damage, and is located in a declared disaster area, you may be eligible for financial assistance from the U.S. Small Business Administration. Economic injury disaster loans provide necessary working capital until normal operations resume after a physical disaster. The law restricts economic injury disaster loans to small businesses only.