U.S. 小企业管理
情况介绍-经济损失灾害贷款
(SBA DISASTER DECLARATION DUE TO DESIGNATION BY THE SECRETARY OF AGRICULTURE)
佛罗里达宣言17376
(灾难:fl - 00174)
事件:冻结，冰霜和冰
发生: 2022年1月23日- 31日
在 佛罗里达 counties of: Broward, Collier, DeSoto, Glades, Hardee, Hendry, 高地, 希尔斯堡惨案, 印度的河流, 海牛, 马丁, 奥基乔比, 奥西奥拉, 棕榈滩, 波尔克, 圣露西, and Sarasota; and the contiguous 佛罗里达 counties of: Brevard, 夏洛特, 湖, 李, 迈阿密戴德, 梦露, 橙色, 帕斯科, 皮内拉斯, 和萨姆特堡
申请截止日期: 2022年11月21日
灾害贷款援助:
经济损失灾害贷款(EIDLs) – Working capital loans to help small businesses, 小型农业合作社, 以及从事水产养殖的小型企业, 最私密的, non-profit organizations of all sizes meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster. These loans are intended to assist through the disaster recovery period.
信贷需求:
- 信用记录 – Applicants must have a credit history acceptable to SBA.
- 还款 – Applicants must show the ability to repay the loan.
- 抵押品 – 抵押品 is required for all EIDL loans over $25,000. SBA takes real estate as collateral when it is available. SBA will not decline a loan for lack of collateral, but SBA will require the borrower to pledge collateral that is available.
利率:
The interest rate is determined by formulas set by law and is fixed for the life of the loan. The maximum interest rate for this program is 2.830%.
贷款期限:
The law authorizes loan terms up to a maximum of 30 years. SBA will determine an appropriate installment payment based on the financial condition of each borrower, 这又将决定贷款期限.
贷款限额:
The law limits EIDLs to $2,000,000 for alleviating economic injury caused by the disaster. The actual amount of each loan is limited to the economic injury determined by SBA, less business interruption insurance and other recoveries up to the administrative lending limit. SBA also considers potential contributions that are available from the business and/or its owner(s) or affiliates. If a business is a major source of employment, 小企业管理局有权豁免$2,000,法定限额.
贷款资格限制:
- The applicant business must be located 在 declared disaster area.
- Only uninsured or otherwise uncompensated disaster losses are eligible.
- The economic injury must have been the direct result of the declared disaster.
- Nurseries are only eligible for economic injury caused by declared drought disasters.
- 由法律规定, agricultural enterprises such as farmers and ranchers are not eligible for any type of SBA assistance.
- Applicants who have not complied with the terms of previous SBA loans are not eligible. This includes borrowers who did not maintain flood and/or hazard insurance on previous SBA loans.
- Loan assistance is available only to the extent the business and its owners cannot meet necessary financial obligations due to the disaster. 这个决定是由SBA做出的.
注意: Loan applicants should check with agencies / organizations administering any grant or other assistance program under this declaration to determine how an approval of SBA disaster loan might affect their eligibility.
再融资:
Economic injury disaster loans cannot be used to refinance long term debts.
保险需求:
以保护每个借款人和机构, SBA may require you to obtain and maintain appropriate insurance. 由法律规定, borrowers whose damaged or collateral property is located in a special flood hazard area must purchase and maintain flood insurance. SBA requires that flood insurance coverage be the lesser of 1) the total of the disaster loan, (二)财产的保险价值, 或3)可获得的最高保险.
填写小企业管理局贷款申请:
The application asks for the same information about the business and its principal owners that are generally required for a bank loan. If you need help, SBA personnel will expla在 forms and give you assistance at no charge. 你可以聘请会计, 律师, or other representatives at your own expense, 如果你愿意. Use of a representative and the fees they charged must be listed on your loan application.
申请人可在网上申请, receive additional disaster assistance information and download applications at http://disasterloanassistance.小企业管理局.政府 /资格认证. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@小企业管理局.政府 for more information on SBA disaster assistance. 如果你是聋子, 听力困难, 或者有语言障碍, please dial 7-1-1 to access telecommunications relay services. Completed applications should be mailed to U.S. 小企业管理局, 处理和支付中心, 金斯波特路14925号, 沃斯堡, TX 76155.