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Economic Injury Disaster Loans (EIDL)


If you have suffered substantial economic injury and are one of the following types of businesses located in a declared disaster area, you may be eligible for an SBA Economic Injury Disaster Loan (EIDL):

  • Small Business
    Small Agricultural Cooperative
    Most private nonprofit organizations

Loan Amounts and Use


Substantial economic injury means the business is unable to meet its obligations and to pay its ordinary and necessary operating expenses.  EIDLs provide the necessary working capital to help small businesses survive until normal operations resume after a disaster.

The SBA can provide up to $2 million to help meet the financial obligations and operating expenses that could have been met had the disaster not occurred.  Your loan amount will be based on your actual economic injury and your company’s financial needs, regardless of whether the business suffered any property damage.

Eligibility and Terms


The interest rate on EIDLs will not exceed 4 percent per year.  The term of these loans will not exceed 30 years.  The repayment term will be determined by your ability to repay the loan.

EIDL assistance is available only to small businesses when SBA determines they are unable to obtain credit elsewhere.


How to Apply


You can apply online for an SBA disaster assistance loan.

Apply online at:

Apply by mail: Download Application from and mail to:


U.S. Small Business Administration

Processing and Disbursement Center

14925 Kingsport Road

Fort Worth, TX 76155

Customer Service: 1-800-659-2955 or

Rate Changes

The Prime Rate is 3.25%.  So, your loan is prime + “variance stated on your note”.  Your loan rate will adjust on April 1, 2020.  Your payment amount will adjust on May 1, 2020.  You will receive a notice in the mail reflecting the rate change soon.






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