U.S. SMALL BUSINESS ADMINISTRATION
FACT SHEET – ECONOMIC INJURY DISASTER LOANS
(由农业部长指定的sba灾难声明)
FLORIDA Declaration 17376
(Disaster: FL-00174)
Incident: FREEZE, FROST, AND ICE
occurring: January 23 - 31, 2022
in the Florida 布劳沃德、科利尔、德索托、格莱兹、哈迪、亨德利、 Highlands, Hillsborough, Indian River, Manatee, Martin, Okeechobee, Osceola, Palm Beach, Polk, Saint Lucie, and Sarasota; and the contiguous Florida counties of: Brevard, Charlotte, Lake, Lee, Miami-Dade, Monroe, Orange, Pasco, Pinellas, and Sumter
Application Filing Deadline: November 21, 2022
Disaster Loan Assistance Available:
Economic Injury Disaster Loans (EIDLs) -帮助小企业的流动资金贷款, small agricultural cooperatives, and small businesses engaged in aquaculture, and most private, 各种规模的非营利组织都在履行其普通和必要的财政义务,而这些义务是灾难的直接后果. 这些贷款的目的是在灾后恢复期间提供帮助.
Credit Requirements:
- Credit History 申请人必须具有SBA认可的信用记录.
- Repayment -申请人必须证明有能力偿还贷款.
- Collateral -所有超过25,000美元的EIDL贷款都需要提供抵押品. SBA在可用的情况下将房地产作为抵押品. 小企业管理局不会因为缺乏抵押品而拒绝贷款, 但SBA将要求借款人提供可用的抵押品.
Interest Rates:
利率由法律规定的公式决定,在贷款期限内是固定的. 这个项目的最高利率是2.830 percent.
Loan Terms:
法律规定的贷款期限最长为30年. 小企业管理局将根据每个借款人的财务状况确定适当的分期付款, which in turn will determine the loan term.
Loan Amount Limit:
该法律将eidl限制在200万美元,以减轻灾难造成的经济损失. 每笔贷款的实际金额以SBA确定的经济损失为限, 少营业中断险和其他追偿额不超过行政贷款限额. SBA还考虑来自企业和/或其所有者或附属公司的潜在贡献. If a business is a major source of employment, SBA has the authority to waive the $2,000,000 statutory limit.
Loan Eligibility Restrictions:
- 申请企业必须位于宣布的灾区.
- 只有未投保或未赔偿的灾难损失才有资格.
- 经济损失一定是宣布的灾难直接造成的.
- 托儿所只有在宣布的干旱灾害造成经济损失时才有资格获得赔偿.
- By law, 农民和牧场主等农业企业没有资格获得任何类型的小企业管理局援助.
- 申请人如未遵守以往的小企业管理局贷款条款,则不符合资格. 这包括在以前的SBA贷款中没有购买洪水和/或灾害保险的借款人.
- 只有在企业及其所有者因灾害无法履行必要的财务义务时,才可提供贷款援助. This determination is made by SBA.
Note: 贷款申请人应向管理本声明下任何补助金或其他援助计划的机构/组织查询,以确定批准小企业管理局灾难贷款可能会如何影响其资格.
Refinancing:
经济损失灾害贷款不能用于长期债务的再融资.
Insurance Requirements:
To protect each borrower and the Agency, SBA可能会要求您购买并维持适当的保险. By law, 借款人的受损财产或抵押财产位于特殊洪水灾害地区,必须购买和维护洪水保险. SBA要求洪水保险覆盖范围为1)灾害贷款总额中较小者, 2) the insurable value of the property, or 3) the maximum insurance available.
Completing the SBA Loan Application:
该应用程序请求与银行贷款通常需要的有关企业及其主要所有者的相同信息. 如果您需要帮助,SBA工作人员将免费解释表格并为您提供帮助. You may use the services of accountants, attorneys, or other representatives at your own expense, if you wish. 使用代表和他们收取的费用必须在您的贷款申请中列出.
Applicants may apply online, 获取更多灾难援助信息,并在此下载应用程序 http://disasterloanassistance.sba.gov/ela. 申请人亦可致电(800)659-2955或电邮至SBA客户服务中心 disastercustomerservice@sba.gov 获取更多关于小企业管理局灾难援助的信息. If you are deaf, hard of hearing, or have a speech disability, 请拨71-1接入电信中继服务. Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.