Disaster Loan Program2023-05-03T16:22:14-04:00

SBA Small Business Loans

SBA Loans for Disaster Assistance

The SBA disaster loan has three types of programs and you may apply simultaneously for all types which would apply to your situation.

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Loan Amount up to


Term as long as

30 years

Rate as low as


Funded as fast as

30 days

Loans to Help Meet Financial Obligations After a Disaster

The SBA disaster loan program, while available to home owners as well, can be accessed by small business owners whose premises have been damaged or destroyed by natural disasters for the purpose of repairs or rebuilding.

Your small business might be eligible for a physical disaster loan, economic injury loan, military reservists economic injury loan or all three.  Reach out to Big Think Capital’s team of loan specialists and get your SBA disaster loan application started today.

Physical Damage Loans

Loans to cover repairs and replacement of physical assets damaged in a declared disaster.

Mitigation Assistance

Funding to cover small business operating expenses after a declared disaster.

Economic Injury Disaster Loans

This loan provides economic relief to small businesses and nonprofit organizations that have suffered damage to their home or personal property.

Get Started With an SBA Disaster Loan

Provide basic information about your business. If approved, you can request funds and receive them in your account in as fast as 48 hours.

What you’ll need to qualify

  • 660+ credit score

  • No recent bankruptcies, foreclosures, tax liens

  • No excessive debt load from other sources

  • Demonstrable physical loss or damage

What you need to apply

  • Basic details about you and your business

  • Bank statements for past 3 months

  • Business is in good standing

Start your application & secure the
funds your business needs today

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Frequently Asked Questions

What are the pros and cons for an SBA disaster loan?2022-12-01T20:31:22-05:00
  • Set payments at regular intervals
  • Can be used for a wide variety of purposes
  • Relatively low interest rate
  • Long repayment schedule


  • Lengthy application process
  • May carry early payment penalty
  • Variable interest rates may increase
What is an SBA economic injury disaster loan (EIDL)?2022-12-01T20:31:22-05:00

An SBA economic injury disaster loan (EIDL) is for small businesses, small agricultural cooperatives, and most private nonprofit organizations located in a declared disaster area and which have suffered substantial economic injury may be eligible for an SBA Economic Injury Disaster Loan (EIDL). An EIDL is a short to medium term loan which will provide funds to cover normal operating expenses during the recovery period. Also available to nonprofits, this loan might be used to cover rent or payroll, or to pay vendors.

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 EIDL:

  • Small business
  • Small agricultural cooperative
  • Most private nonprofit organizations


What is an SBA business physical disaster loan (BPDL)?2022-12-01T20:31:23-05:00

Available to both for-profit and non-profit businesses a BPDL is a long-term, low rate loan which may be used to repair or replace property damaged by a natural disaster, but only where that property is not already covered by insurance. Interest rate is set based upon the availability of alternate forms of credit. If alternative financing is available, the interest rate will be 8% and 4% if no other forms of financing can be obtained.

Note: Initial disbursement: $25,000. Total loan amount is based upon insurance coverage and construction progress.

At Big Think, we can help you structure the best loan for your needs. If you’re confused or need clarification about the qualifying requirements for a loan, please contact us. We’ll be happy to help.

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