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Code of Federal Regulations (Last Updated: November 8, 2024) |
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Title 13 - Business Credit and Assistance |
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Chapter I - Small Business Administration |
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Part 123 - Disaster Loan Program |
| Subpart A - Overview |
| § 123.1 - What do these rules cover? |
| § 123.2 - What are disaster loans and disaster declarations? |
| § 123.3 - How are disaster declarations made? |
| § 123.4 - What is a disaster area and why is it important? |
| § 123.5 - What kinds of loans are available? |
| § 123.6 - What does SBA look for when considering a disaster loan applicant? |
| § 123.7 - Are there restrictions on how disaster loans can be used? |
| § 123.8 - Does SBA charge any fees for obtaining a disaster loan? |
| § 123.9 - What happens if I don't use loan proceeds for the intended purpose? |
| § 123.10 - What happens if I cannot use my insurance proceeds to make repairs? |
| § 123.11 - Does SBA require collateral for any of its disaster loans? |
| § 123.12 - Are books and records required? |
| § 123.13 - What happens if my loan application is denied? |
| § 123.14 - How does the Federal Debt Collection Procedures Act of 1990 apply? |
| § 123.15 - What if I change my mind? |
| § 123.16 - How are loans administered and serviced? |
| § 123.17 - Do other Federal requirements apply? |
| § 123.18 - Can I request an increase in the amount of a physical disaster loan? |
| § 123.19 - May I request an increase in the amount of an economic injury loan? |
| § 123.20 - How long do I have to request an increase in the amount of a physical disaster loan or an economic injury loan? |
| § 123.21 - What is a mitigation measure? |
| § 123.22 - Severability. |
| Subpart B - Home Disaster Loans |
| § 123.100 - Am I eligible to apply for a home disaster loan? |
| § 123.101 - When am I not eligible for a home disaster loan? |
| § 123.102 - What circumstances would justify my relocating? |
| § 123.103 - What happens if I am forced to move from my home? |
| § 123.104 - What interest rate will I pay on my home disaster loan? |
| § 123.105 - How much can I borrow with a home disaster loan and what limits apply on use of funds and repayment terms? |
| § 123.106 - What is eligible refinancing? |
| § 123.107 - How much can I borrow for post-disaster mitigation for my home? |
| § 123.108 - How do the SBA disaster loan program and the FEMA grant programs interact? |
| Subpart C - Physical Disaster Business Loans |
| § 123.200 - Am I eligible to apply for a physical disaster business loan? |
| § 123.201 - When am I not eligible to apply for a physical disaster business loan? |
| § 123.202 - How much can my business borrow with a physical disaster business loan? |
| § 123.203 - What interest rate will my business pay on a physical disaster business loan and what are the repayment terms? |
| § 123.204 - How much can your business borrow for post-disaster mitigation? |
| Subpart D - Economic Injury Disaster Loans |
| § 123.300 - Is my business eligible to apply for an economic injury disaster loan? |
| § 123.301 - When would my business not be eligible to apply for an economic injury disaster loan? |
| § 123.302 - What is the interest rate on an economic injury disaster loan? |
| § 123.303 - How can my business spend my economic injury disaster loan? |
| § 123.304 - Is there a limit on the maximum loan amount to a single corporate group for COVID EIDL Loans? |
| Subpart E - Pre-Disaster Mitigation Loans |
| § 123.400 - What is the Pre-Disaster Mitigation Loan Program? |
| § 123.401 - What types of mitigation measures can your business include in an application for a pre-disaster mitigation loan? |
| § 123.402 - Can your business include its relocation as a mitigation measure in an application for a pre-disaster mitigation loan? |
| § 123.403 - When is your business eligible to apply for a pre-disaster mitigation loan? |
| § 123.404 - When is your business ineligible to apply for a pre-disaster mitigation loan? |
| § 123.405 - How much can your business borrow with a pre-disaster mitigation loan? |
| § 123.406 - What is the interest rate on a pre-disaster mitigation loan? |
| § 123.407 - When does your business apply for a pre-disaster mitigation loan and where does your business get an application? |
| § 123.408 - How does your business apply for a pre-disaster mitigation loan? |
| § 123.409 - Which pre-disaster mitigation loan requests will SBA consider for funding? |
| § 123.410 - Which loan requests will SBA fund? |
| § 123.411 - What if SBA determines that your business loan request meets the selection criteria of § 123.409 but SBA is unable to fund it because SBA has already allocated all program funds? |
| § 123.412 - What happens if SBA declines your business' pre-disaster mitigation loan request? |
| Subpart F - Military Reservist Economic Injury Disaster Loans |
| § 123.500 - Definitions. |
| § 123.501 - Under what circumstances is your business eligible to be considered for a Military Reservist Economic Injury Disaster Loan? |
| § 123.502 - Under what circumstances is your business ineligible to be considered for a Military Reservist Economic Injury Disaster Loan? |
| § 123.503 - When can you apply for a Military Reservist EIDL? |
| § 123.504 - How do you apply for a Military Reservist EIDL? |
| § 123.505 - What if you are both an essential employee and the owner of the small business and you started active service before applying for a Military Reservist EIDL? |
| § 123.506 - How much can you borrow under the Military Reservist EIDL Program? |
| § 123.507 - Under what circumstances will SBA consider waiving the $2 million loan limit? |
| § 123.508 - How can you use Military Reservist EIDL funds? |
| § 123.509 - What can't you use Military Reservist EIDL funds for? |
| § 123.510 - What if you don't use your Military Reservist EIDL funds as authorized? |
| § 123.511 - How will SBA disburse Military Reservist EIDL funds? |
| § 123.512 - What is the interest rate on a Military Reservist EIDL? |
| § 123.513 - Does SBA require collateral on its Military Reservist EIDL? |
| Subpart G - Economic Injury Disaster Loans as a Result of the September 11, 2001 Terrorist Attacks |
| § 123.600 - Are economic injury disaster loans under this subpart limited to the geographic areas contiguous to the declared disaster areas? |
| § 123.601 - Is my business eligible to apply for an economic injury disaster loan under this subpart? |
| § 123.602 - When would my business not be eligible to apply for an economic injury disaster loan under this subpart? |
| § 123.603 - What is the interest rate on an economic injury disaster loan under this subpart? |
| § 123.604 - How can my business spend my economic injury disaster loan under this subpart? |
| § 123.605 - How long do I have to apply for a loan under this subpart? |
| § 123.606 - May I request an increase in the amount of an economic injury disaster loan under this subpart? |
| Subpart H - Immediate Disaster Assistance Program |
| § 123.700 - What is the Immediate Disaster Assistance Program? |
| § 123.701 - What is the application procedure for an IDAP loan? |
| § 123.702 - What are the eligibility requirements for an IDAP loan? |
| § 123.703 - What are the terms of an IDAP loan? |
| § 123.704 - Are there restrictions on how IDAP loan funds may be used? |
| § 123.705 - Are there any fees associated with IDAP loans? |
| § 123.706 - What are the requirements for IDAP Lenders? |
| Physical Disaster Business Loans |
| Home Disaster Loans |
| Overview |
| Economic Injury Disaster Loans |
| Pre-Disaster Mitigation Loans |