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Businesses, Nonprofits Can Seek Low-interest Disaster Loans to Aid Recovery

AUSTIN, Texas – Businesses and nonprofit organizations that sustained damage or losses from the May-June storms and floods can apply for a low-interest disaster loan from the U.S. Small Business Administration to help with their recovery.

“SBA disaster loans are the major source of federal disaster recovery aid,” said Federal Coordinating Officer William J. Doran III, who is in charge of FEMA’s operations in Texas. “The interest rates are low—as low as 4 percent for businesses and 2.625 percent for nonprofits for the life of the loan.”

SBA offers two types of disaster loans to businesses, small agricultural cooperatives, aquaculture and most nonprofits, including faith-based ones: physical disaster loans and economic injury disaster loans.

Physical disaster loans are used to repair or replace damaged buildings and business assets. Economic injury disaster loans help small businesses, small agricultural cooperatives, aquaculture businesses and most private nonprofits meet financial obligations they cannot meet because of the disaster.

Business owners may also be eligible to refinance existing liens or mortgages.

SBA low-interest disaster loans for businesses have several advantages:

SBA requires no collateral for both physical loans or economic injury loans less than $25,000. SBA requires the borrower to pledge as collateral only what is available, plus satisfactory credit and the ability to repay.
Applicants don’t have to wait for insurance settlements to obtain loans.
Loans are written for a length of time appropriate to the type of loan, but SBA may make adjustments in the length of the loan to lower the monthly payments. Loan amounts and terms are set by SBA and are based on each applicant’s financial condition.
SBA offers mitigation loans to help pay for improvements to reduce potential for future damage. These mitigation funds are available for up to 20 percent of the total amount of disaster damage.
SBA never charges an application fee or points for its disaster loans.

By law, SBA business loans cannot exceed $2 million. If a business is a major employer, SBA may waive the limit.

The deadline to file for a physical damage disaster loan is August 10. The deadline for an economic injury disaster loan is March 11, 2017.

No one is obligated to accept a loan if approved. SBA gives applicants six months to decide whether to accept a loan.

Applicants may apply online using the electronic loan application via SBA’s secure website at DisasterLoan.sba.gov/ela.

Disaster loan information, application forms and a list of counties eligible for assistance are available online at SBA.gov/disaster, from SBA’s Customer Service Center at 800-659-2955 or by emailing DisasterCustomerService@sba.gov. Individuals who are deaf or hard of hearing may call 800-877-8339.

SBA representatives are also available at disaster recovery centers to provide information about disaster loans, the application process or help completing an SBA application. To find the nearest one, go online to the disaster recovery center locator at asd.fema.gov/inter/locator.

Completed applications can be mailed to:
U.S. Small Business Administration
Processing and Disbursement Center
14925 Kingsport Rd.
Fort Worth, TX 76155

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Businesses, Nonprofits Can Seek Low-interest Disaster Loans to Aid Recovery

Disaster Recovery Centers Open in Fayette, Pocahontas Counties

CHARLESTON, W.Va. — – Pocahontas County and Fayette County survivors of the June 22 severe storms, floods, mudslides and landslides now have close-by resource centers for recovery assistance with the July 7 opening of Disaster Recovery Centers in their counties.

The latest centers are:

Fayette County

Midland Trail High School

26719 Midland Trail

Hico, WV 25854

Pocahontas County

McClintic Public Library

500 8th St.

Marlinton, WV 24954

Representatives from the Federal Emergency Management Agency (FEMA), various state agencies, and the U.S. Small Business Administration (SBA) staff the centers, giving survivors a chance to discover what programs are available to help them, and to get their questions answered.

Weather permitting, all recovery centers are open seven days a week from 7 a.m. to 7 p.m. until further notice. To locate the closest center, survivors can either visit http://go.usa.gov/x3NnJ or download the FEMA App to their mobile device. Before visiting a center, survivors can register with FEMA by going online to DisasterAssistance.gov, or by calling 800-621-3362. Video Relay Service (VRS) or 711 users can call 800-462-7585.

The other centers are:

Clay County

Clay County High School

1 Panther Dr.

Clay, WV 25043

Greenbrier County

Mobile Disaster Recovery Center

Southeastern Labor Council, AFL-CIO

65 West Main St.

White Sulphur Springs, WV 24986

Town Hall

201 Kanawha Ave.

Rainelle, WV 25962

Kanawha County

Kanawha County School Operations Center

3300 Pennsylvania Ave.

Charleston, WV 25302

Nicholas County

City of Richwood City Hall
6 White Ave.

Richwood, WV 26261

Nicholas County High School

30 Grizzly Ln.

Summersville, WV 26651

Roane County

Geary Elementary School

9538 Clay Rd.

Left Hand, WV 25251

Summers County

Summers County Memorial Building Gym

451 1^st Ave.

Hinton, WV 25951

Webster County

Webster Springs Municipal Building

City Council Room

143 McGraw Ave.

Webster Springs, WV 26288

Registering with FEMA is the first step towards qualifying for disaster assistance which may include grants to help homeowners and renters pay for temporary housing, essential home repairs, personal property replacements and other serious disaster-related needs not covered by insurance.

SBA offers low-interest disaster loans for businesses of all sizes, homeowners, renters and private non-profit organizations. SBA disaster loans may cover repairs, rebuilding, as well as the cost of replacing lost or disaster-damaged personal property.

For more information about SBA loans, call SBA’s Disaster Assistance Customer Service Center at 800-659-2955, email disastercustomerservice@sba.gov or visit http://www.sba.gov/disaster. TTY users can call 800-877-8339. Applicants may also apply online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloan.sba.gov/ela.

Additional information on West Virginia’s disaster recovery can be found by visiting fema.gov/disaster/4273, twitter.com/FEMA and fema.gov/blog.

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Disaster Recovery Centers Open in Fayette, Pocahontas Counties

West Virginia renters with flood damage may be eligible for federal help

CHARLESTON, W.Va.– West Virginia renters who experienced losses due to the severe storms, flooding, landslides, and mudslides beginning on June 22, 2016, may be eligible for disaster recovery assistance from the Federal Emergency Management Agency and the U.S Small Business Administration (SBA).

“The catastrophic weather that affected West Virginia did not discriminate between homeowners and renters and neither do we,” said Federal Coordinating Officer Albert Lewis, who leads FEMA’s mission in the Mountain State.

Renters may be eligible for grants from FEMA to help with such disaster-related expenses as:

Renting a new place to live when the renter’s previous home was lost due to the disaster.
Disaster related medical and dental expenses.
Replacement or repair of necessary personal property lost or damaged in the disaster, such as appliances and furniture, textbooks and computers used by students, and work equipment or tools used by the self-employed.
Repair or replacement of vehicles damaged by the disaster.
Disaster-related funeral and burial expenses.

FEMA grants are not loans and do not have to be repaid. They are not taxable income and will not affect eligibility for Social Security, Medicaid, welfare assistance, SNAP benefits and several other programs.

Additionally, renters may qualify for a low-interest loan of up to $40,000 from the SBA to repair or replace personal property.

Renters who sustained losses can apply for assistance by using the FEMA App for smartphones, going online to DisasterAssistance.gov or calling 800-621-3362, or (TTY) 800-462-7585. For those who use 711 or video relay service, call 800-621-3362. The toll-free telephone numbers are open from 7 a.m. to 10 p.m. (local time) seven days a week.

For more information about disaster loans, call SBA’s Disaster Assistance Customer Service Center at 800-659-2955, email disastercustomerservice@sba.gov, or visit sba.gov/disaster. TTY users may call 800-877-8339. Applicants may also apply online using the Electronic Loan Application via SBA’s secure website at disasterloan.sba.gov/ela.

For more information on West Virginia’s disaster recovery, visit the Flood Information page on the website of the West Virginia Division of Homeland Security and Emergency Management, fema.gov/disaster/4273, twitter.com/FEMA, facebook.com/FEMA and fema.gov/blog

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West Virginia renters with flood damage may be eligible for federal help

Roane County Gets Disaster Recovery Center

CHARLESTON, W Va.—A new Disaster Recovery Center has opened in Roane County to help survivors affected by the severe storms, flooding, landslides and mudslides that began June 22.

Disaster Recovery Centers are one-stop shops for eligible storm survivors seeking one-on-one help. Representatives from Federal Emergency Management Agency (FEMA), the U.S. Small Business Administration (SBA) and various state agencies are at the centers to answer questions. Weather permitting, centers are open 7 a.m. to 7 p.m. seven days a week until further notice. All centers will be open July 4.

The centers currently open are:

Roane County

Geary Elementary School

9538 Clay Rd.

Left Hand, WV 25251

Greenbrier County

Mobile Disaster Recovery Center

Southeastern Labor Council, AFL-CIO

65 West Main St.

White Sulphur Springs, WV 24986

Town Hall

201 Kanawha Ave.

Rainelle, WV 25962

Kanawha County

Kanawha County School Operations Center

3300 Pennsylvania Ave.

Charleston, WV 25302

Nicholas County

City of Richwood City Hall
6 White Ave.

Richwood, WV 26261

Summers County

Summers County Memorial Building Gym

451 1^st Ave.

Hinton, WV 25951

State and FEMA officials continue to work closely with local officials in hard-hit areas to identify suitable sites for additional centers. Survivors can locate the center closest to them, by visiting http://go.usa.gov/x3NnJ or downloading the FEMA App to their mobile device to:

Apply for disaster assistance
Get directions to the nearest Disaster Recovery Center
Find shelter locations
Get weather alerts
Subscribe to disaster safety tips

Survivors do not have to visit a Disaster Recovery Center to register with FEMA.

Those who have not yet registered can do so by visiting DisasterAssistance.gov. Survivors may also register by calling toll-free 800-621-3362. For those who use 711 or the Visual Relay Service, call 800-462-7585. FEMA encourages survivors to register as soon as possible.

Disaster assistance may include grants to help homeowners and renters pay for temporary housing, essential home repairs, personal property replacement, and other serious disaster-related needs not covered by insurance.

SBA offers low-interest disaster loans for businesses of all sizes, homeowners, renters, and private non-profit organizations. SBA disaster loans may cover repairs, rebuilding, as well as the cost of replacing lost or disaster-damaged real estate and personal property.

For more information about SBA loans, call SBA’s Disaster Assistance Customer Service Center at 800-659-2955, email disastercustomerservice@sba.gov, or visit http://www.sba.gov/disaster. TTY users may call 800-877-8339. Applicants may also apply online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloan.sba.gov/ela.

For more information on West Virginia’s disaster recovery, visit fema.gov/disaster/4273, twitter.com/FEMA, facebook.com/FEMA, and fema.gov/blog.

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Roane County Gets Disaster Recovery Center

Low-interest Disaster Loans Help Fuel Texas Recovery

AUSTIN, Texas – Federal officials urge those with damage or losses from the May storms and floods to complete a no-obligation disaster loan application from the U.S. Small Business Administration to help with their recovery.

Completing the application can open the door to all federal assistance, including possible additional grants from FEMA. If approved, and the loan is not accepted, survivors may find themselves ineligible for some forms of federal assistance.

Many Texans who register for disaster assistance with FEMA will receive an automated call from SBA with information on how to complete the loan application process. These low-interest SBA loans are the major source of funding for disaster recovery.

SBA provides low-interest loans to businesses of all sizes (including landlords) and to homeowners, renters and eligible private nonprofit organizations that sustained disaster damage. There is no cost to apply for a loan.

Assistance from FEMA is limited to help jump-start the recovery; it may not cover all damage or property loss. Completing the SBA loan application may make FEMA assistance available to replace essential household items, replace or repair a damaged vehicle, or pay for storage costs.

Interest rates can be as low as 4 percent for businesses, 2.625 percent for private nonprofit organizations and 1.813 percent for homeowners and renters with terms up to 30 years. The rates are locked in for the life of the loan.

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 nonprofits suffering economic impact due to the severe weather and flooding can apply for up to $2 million for any combination of property damage or economic injury under SBA’s Economic Injury Disaster Loan program.
Eligible homeowners may borrow up to $200,000 for home repair or replacement of primary residences, and eligible homeowners and renters may borrow up to $40,000 to replace disaster-damaged or destroyed personal property, including a vehicle.

Applicants may apply online using the electronic loan application via SBA’s secure website at DisasterLoan.sba.gov/ela.

Disaster loan information and application forms are available online at SBA.gov/disaster, from SBA’s Customer Service Center by calling 800-659-2955 or emailing DisasterCustomerService@sba.gov. Individuals who are deaf or hard of hearing may call 800-877-8339.

SBA representatives are also available at disaster recovery centers to provide information about disaster loans, the application process or help completing an SBA application. To find the nearest one, go online to the Disaster Recovery Center Locator at asd.fema.gov/inter/locator.

Completed applications should be mailed to:

U.S. Small Business Administration
Processing and Disbursement Center
14925 Kingsport Road
Fort Worth, TX 76155

The 19 counties affected by the May storms are Austin, Bastrop, Brazoria, Brazos, Burleson, Eastland, Fort Bend, Grimes, Hidalgo, Hood, Lee, Liberty, Montgomery, San Jacinto, Stephens, Travis, Tyler, Waller and Washington.

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Low-interest Disaster Loans Help Fuel Texas Recovery

7 More Texas Counties Hit by May Floods Can Apply for Disaster Assistance

AUSTIN, Texas – Individuals and families in Bastrop, Burleson, Eastland, Lee, Liberty, Stephens and Tyler counties are now encouraged to register with FEMA for disaster assistance for the May floods.

With damage assessments completed, the state requested the seven counties be added to the June 11 disaster declaration, bringing to 19 the number of Texas counties designated for federal disaster assistance.

The original 12 counties designated for assistance are: Austin, Brazoria, Brazos, Fort Bend, Grimes, Hidalgo, Hood, Montgomery, San Jacinto, Travis, Waller and Washington.

Texans who suffered damage or loss as a result of the severe storms and flooding that began May 26 are encouraged to apply for assistance. Disaster assistance for homeowners and renters may include grants to help pay for temporary housing and essential home repairs, as well as other serious disaster-related needs such as medical and dental expenses.

Survivors in the designated counties may register for assistance the following ways:

online at www.DisasterAssistance.gov
phone 800-621-3362 (FEMA). Persons who are deaf, hard of hearing or have a speech disability and use a TTY may call 800-462-7585. Applicants who use 711 or Video Relay Service may also call 800-621-3362. The toll-free numbers are open from 7 a.m. to 10 p.m., seven days a week. Multilingual operators are available.
at a disaster recovery center. To find the nearest one, go online to the Disaster Recovery Center Locator at asd.fema.gov/inter/locator.

FEMA grants do not have to be repaid. FEMA assistance is nontaxable and will not affect eligibility for Social Security, Medicaid or other federal benefits.

Those who had flood or storm damage should register with FEMA even if they have insurance. FEMA cannot duplicate insurance payments, but underinsured applicants may be eligible for help after their insurance claims have been settled. They should also register even if they’ve already registered for or received aid for another declared disaster.

Before starting repairs or rebuilding a home or business, it is important to contact the local building code official or floodplain manager. Visit fema.gov/texas-disaster-mitigation for free publications and reference material on rebuilding and repairing safer and stronger.

Low-interest disaster loans from the U.S. Small Business Administration are available for eligible survivors. SBA helps businesses of all sizes (including landlords), private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. Disaster loans cover losses not fully compensated by insurance or other recoveries.

For more information, survivors may contact SBA Disaster Assistance Customer Service Center by calling 800-659-2955, emailing disastercustomerservice@sba.gov, or visiting the SBA website at disasterloan.sba.gov/ela. Deaf and hard-of-hearing individuals may call 800-877-8339.

For more information on the Texas recovery, visit the disaster webpage for the May storms at fema.gov/disaster/4272; or visit the Texas Division of Emergency Management website at txdps.state.tx.us/dem. Follow us on Twitter @femaregion6.

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7 More Texas Counties Hit by May Floods Can Apply for Disaster Assistance

FEMA Offers Assistance for Renters, Too

AUSTIN, Texas – Renters displaced by the May storms and flooding may be eligible for federal disaster assistance, including grants from FEMA and low-interest disaster loans from the U.S. Small Business Administration.

FEMA offers eligible renters grants for rental assistance. These grants help pay for temporary housing while a damaged home or apartment is being repaired.

Eligible renters may receive grant under FEMA’s Other Needs Assistance program. These grants help uninsured or underinsured survivors with expenses and serious needs caused by the May storms including:

child care
moving and storage expenses
disaster-related funeral and burial expenses
disaster-related dental and medical expenses, such as wheelchairs, canes and prescription drugs
repair or replacement of storm-damaged personal property, including furniture and appliances, as well as job-related tools and equipment required by the self-employed
primary vehicles, and approved second or modified vehicles damaged by the disaster

The SBA offers low-interest disaster loans with rates that remain the same for the life of the loan. Renters may be eligible to borrow up to $40,000 to repair or replace damaged personal property, including automobiles.

Applicants may apply online for an SBA loan using the electronic loan application at the secure website DisasterLoan.sba.gov/ela.

Texans can register for disaster assistance the following ways:

online at DisasterAssistance.gov
phone 800-621-3362 (FEMA). Persons who are deaf, hard of hearing or have a speech disability and use a TTY may call 800-462-7585. Applicants who use 711 or Video Relay Service may also call 800-621-3362. The toll-free numbers are open from 7 a.m. to 10 p.m., seven days a week. Multilingual operators are available.
at a disaster recovery center.To find the nearest one, go online to the Disaster Recovery Center Locator at asd.fema.gov/inter/locator.

FEMA grants do not have to be repaid. FEMA assistance is nontaxable and will not affect eligibility for Social Security, Medicaid or other federal benefits.

Survivors should register even if they have insurance. FEMA cannot duplicate insurance payments, but underinsured applicants may receive help after their claims have been settled.

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Download fema.gov/mobile-app to locate open shelters and disaster recovery centers, receive severe weather alerts, safety tips and much more.

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FEMA Offers Assistance for Renters, Too

Workshop for Businesses on Local, State and Federal Contracting Process

BATON ROUGE, La. – Businesses, trade associations and chambers of commerce learned about securing government contracts during a free workshop this week.

The Governor’s Office of Homeland Security and Emergency Preparedness (GOHSEP), the Louisiana Business Emergency Operations Center (LA BEOC), FEMA and other state agencies spoke about how to increase local, state and federal contract opportunities.

“We were excited about this opportunity to teach Louisiana business and industry leaders how they can help meet the needs of local governments, the state and the federal government,” GOHSEP Director James Waskom said.

Attendees also learned tips how to enhance disaster resiliency so they can better assist recovery and response with their products and services.

The LA BEOC is dedicated to improving the ability of Louisiana businesses and non-profits to prepare for, respond to and recover from natural and human-caused disasters, and to maintain the stability, resilience and economic recovery of their communities. It is also the conduit between those who need resources with Louisiana resource providers during response and recovery from an emergency or disaster event.

“Businesses and the private sector are critical parts in emergency management,” LA BEOC Director of Operations Clay Rives said. “We’re fortunate there’s a strong interest among Louisiana’s private sector wanting to assist in disaster recovery.”

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FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. Follow us on Twitter at https://twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov.

The U.S. Small Business Administration (SBA) is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at SBA.gov/disaster Deaf and hard-of-hearing individuals may call (800) 877-8339.

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Workshop for Businesses on Local, State and Federal Contracting Process

SBA Disaster Loan Application Deadlines Nears

AUSTIN, Texas – Two important deadlines are ahead for Texans who are considering a loan through the U.S. Small Business Administration for recovery from the April storms and flooding.

Most survivors who registered with FEMA for disaster assistance were contacted by the SBA with information on the agency’s loan-interest disaster loans, as well as instructions on how to complete the loan application.

The deadline to submit the application for physical damage is June 24, 2016. The deadline for businesses to submit a loan application for economic injury is Jan. 25, 2017.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property, offering low-interest disaster assistance loans to businesses of all sizes, private nonprofit organizations, homeowners and renters.

Survivors may apply online using the electronic loan application via SBA’s secure website at disasterloan.sba.gov/ela.

Disaster loan information and application forms are also available from SBA’s customer service center by calling 800-659-2955 or emailing disastercustomerservice@sba.gov. Individuals who are deaf or hard‑of‑hearing may call 800-877-8339. For more disaster assistance information or to download applications, visit sba.gov/disaster.

Completed applications should be mailed to:

U.S. Small Business Administration
Processing and Disbursement Center
14925 Kingsport Rd.
Fort Worth, TX 76155

SBA loan applications should be submitted even as disaster survivors await an insurance settlement. The loan balance is reduced by the settlement. SBA loans may also be available for losses not covered by insurance.

Both FEMA and the SBA encourage Texans who suffered damage or loss from the April storms and were provided a loan application to complete the application. There is no obligation to take a loan if offered. If approved, and a survivor does not accept the loan, it may make them ineligible for additional federal assistance.

Homeowners may borrow up to $200,000 from SBA to repair or replace their primary residence.
Homeowners and renters may borrow up to $40,000 to repair or replace personal property.
Businesses may borrow up to $2 million for any combination of property damage or economic injury. SBA offers low-interest working capital loans—called Economic Injury Disaster Loans—to small businesses and most private nonprofit organizations of all sizes.

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SBA Disaster Loan Application Deadlines Nears

Complete an SBA Loan Application to be Considered for Other Assistance

AUSTIN, Texas – Texans who suffered damage or loss from the May flooding and were referred to the U.S. Small Business Administration may lose income-based FEMA grants if they don’t complete and submit the SBA loan application.

Other Needs Assistance grants may cover uninsured losses for furniture, appliances and other personal property, even vehicles. Survivors will not be considered for this type of assistance unless they complete and return the SBA loan application.

Applicants from Austin, Brazoria, Brazos, Fort Bend, Grimes, Hidalgo, Hood, Montgomery, San Jacinto, Travis, Waller and Washington counties should complete the application, even if they don’t want a loan.

“The SBA loan application is used to review an applicant’s eligibility for additional assistance,” said Federal Coordinating Officer William J. Doran III, who is in charge of FEMA’s operations in Texas. “For that reason, complete the application even if you don’t plan to accept the loan.”

Some types of Other Needs Assistance—medical, dental and funeral expenses—are not SBA dependent, and completing the loan application is not required. However, it is always recommended by recovery experts. The application is not required for survivors seeking temporary rental assistance.

Survivors may apply online using the electronic loan application via SBA’s secure website at disasterloan.sba.gov/ela.

Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Rd., Fort Worth, TX 76155.

SBA loan applications can be submitted even as disaster survivors await an insurance settlement. The loan balance will be reduced by the settlement. SBA loans may also be available for losses not covered by insurance.

Homeowners may borrow up to $200,000 from SBA to repair or replace their primary residence.
Homeowners and renters may borrow up to $40,000 to repair or replace personal property.
Businesses may borrow up to $2 million for any combination of property damage or economic injury. SBA offers low-interest working capital loans—called Economic Injury Disaster Loans—to small businesses and most private nonprofit organizations of all sizes.

Download fema.gov/mobile-app to locate open shelters and disaster recovery centers, receive severe weather alerts, safety tips and much more.

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Download fema.gov/mobile-app to locate open shelters and disaster recovery centers, receive severe weather alerts, safety tips and much more.

Link:

Complete an SBA Loan Application to be Considered for Other Assistance

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