SBA Disaster Loans
U.S. Small Business Administration
Low-interest federal loans to repair or replace damaged business property, and Economic Injury Disaster Loans for working capital, available in declared disaster areas.
Business Disaster Recovery
For business owners hit by storms, floods, fires and other disasters. Check whether your state has an official disaster declaration, then go straight to the government programs that help businesses recover. We link only to official sources and never decide whether you qualify — each program makes that call.
Official declarations · FEMA
Disasters declared in your state
Choose your state to see its disaster declarations.
Official programs
Where businesses get recovery help
Apply for an SBA disaster loan
U.S. Small Business Administration
SBA's official online application portal for disaster loans.
DisasterAssistance.gov
FEMA and federal partners
The federal government's single site to check which disaster help is available for your address and apply.
IRS Disaster Tax Relief
Internal Revenue Service
Lists areas where the IRS has extended tax filing and payment deadlines after a disaster, and explains casualty-loss rules.
Disaster Unemployment Assistance
U.S. Department of Labor
Benefits for workers and self-employed people who lost work because of a presidentially declared disaster.
Small Business Development Centers
America's SBDC
Free, local one-on-one business advising, including help preparing disaster loan applications.
SCORE free mentoring
SCORE (SBA resource partner)
Free volunteer business mentors.
USDA Emergency Farm Loans
USDA Farm Service Agency
Emergency loans for farmers and ranchers in counties with a disaster designation.
Ready Business
Ready.gov (FEMA)
Official preparedness toolkits for businesses: continuity plans, hurricane, flood, earthquake and power outage guides.
Beware of anyone charging a fee to "guarantee" disaster aid. SBA, FEMA and the IRS never charge to apply. For personal help with bills, see Get Assistance; for shelter, see Find Shelter.