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FAQ Topic: Small Business Administration

How can I prepare for the FEMA process?

Have available information ready: Social Security number(s) Address of the damaged home or apartment Description of the damage Information about insurance coverage Telephone number Mailing address Bank account & routing numbers for direct deposits of funds

Where do I get specific information about the SBA process?

For questions about SBA or the process, or for help completing the SBA application, contact SBA’s Disaster Assistance Customer Service Center by email or by phone at 800-659-2955, or visiting Deaf and hard-of-hearing individuals may call (800) 877-8339. Survivors also may visit with an SBA representative at any Disaster Recovery Center. No appointment is … Continued

How do I apply for an SBA Disaster Loan?

Disaster survivors should first register with FEMA by calling 800-621-FEMA (3362). TTY users call 800-462-7585, with Video Relay Service survivors calling 800-621-3362. Or you can register online. To apply for an SBA disaster loan survivors can applydirectly online.

Is there help available for refinancing?

SBA can refinance all or part of prior mortgages that are evidenced by a recorded lien, when the applicant: Does not have credit available elsewhere, Has suffered substantial uncompensated disaster damage (40 percent or more of the value of the property) Intends to repair the damage. Homes: Homeowners may be eligible for the refinancing of … Continued

What’s the most common misunderstanding about SBA disaster loans?

The most common misunderstanding about an SBA disaster loan is the assumption that they are only for businesses. While SBA offers loans to businesses of all sizes, low-interest disaster loans are available to individual homeowners, renters and to private nonprofit organizations alike.

What is an SBA Disaster Loan?

SBA disaster loans are the primary source of federal long-term disaster recovery funds for disaster damage not fully covered by insurance or other compensation. SBA’s Office of Disaster Assistance is working in conjunction with the Governor’s Office of Emergency Services (Cal OES) and the Federal Emergency Management Agency to help business owners and residents recover … Continued

What does the Small Business Association (SBA) do?

The U.S. Small Business Administration (SBA) provides low-interest disaster loans to businesses, private nonprofits, homeowners and renters. Survivors of the California wildfires may have questions about the SBA

What if I decide to relocate?

You may use your SBA disaster loan to relocate. The amount of the relocation loan depends on whether you relocate voluntarily or involuntarily. If you are approved for an SBA disaster loan you should discuss relocation with your case manager for details on your specific situation.

What is available as part of the SBA low-interest disaster loan programs?

Eligible homeowners may borrow up to $200,000 for home repair or replacement of primary residences. Eligible homeowners and renters may borrow up to $40,000 to replace disaster-damaged or destroyed personal property. Businesses of all sizes can qualify for up to $2 million in low-interest loans to help cover physical damage. Small businesses and most private … Continued

Why should survivors apply?

Survivors referred to the Small Business Administration must apply with SBA even if they feel they cannot afford or do not want a loan in order to receive some FEMA assistance. Whether a loan is wanted or not, the SBA loan application may trigger additional grant assistance through FEMA’s Other Needs Assistance (ONA) program, administered … Continued

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