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Yes. You can apply to FEMA, SBA, or both. FEMA doesnt require survivors to apply for an SBA loan before being considered for FEMA assistance. You can choose to apply for SBA assistance for help with expenses that FEMA assistance cant cover.
To qualify for an SBA disaster loan you must operate a business located within a declared disaster zone. This might include a city, county, state, or country depending on the nature of the disaster.
The SBA can provide up to $2 million in disaster assistance to a business. This loan cap includes both economic injury and physical damage assistance. Type and Cost Share: Because this is a loan, there is no cost share. Application: SBA tries to make a decision on each application within 21 days.
Application: SBA generally makes a decision on each application within seven to 21 days. After the loan is approved, SBA will notify the applicant of documents that need to be submitted. The loan may be disbursed in increments as needed to make repairs or replacements.
Businesses may borrow up to $2 million for any combination of property damage or working capital. 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 disaster-damaged personal property, including vehicles.

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Within 10 days after the inspectors visit, you will be sent a decision letter. If eligible for assistance, you will receive a check or an electronic funds transfer. A follow-up letter will explain how the money can be used. For an accessible video on FEMA home inspections, go to FEMA Accessible: Home Inspections.
Survivors can apply to FEMA in several ways including online at DisasterAssistance.gov, downloading the FEMA App for mobile devices, or calling the FEMA Helpline at 800-621-3362. Calls are accepted every day from 6 a.m. to 10 p.m. CDT.

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