Tennessee, Neighbors Eligible for Storm Recovery Loans
Published Date: 4/13/2026
Notice
Summary
Tennessee got hit hard by Winter Storm Fern in late January 2026, and now the government is stepping in with disaster loans to help folks and businesses bounce back. If you live in Hardin or nearby counties in Tennessee, Alabama, or Mississippi, you can apply for low-interest loans until June 8, 2026, for physical damage, or until January 7, 2027, for economic injury. This means money is ready to help rebuild homes, businesses, and keep the local economy strong!
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Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Low‑Interest Home Repair Loans
If you live in Hardin County, TN or one of the listed contiguous counties in Tennessee (Chester, Decatur, Henderson, McNairy, Wayne), Alabama (Lauderdale), or Mississippi (Alcorn, Tishomingo), you can apply for SBA physical disaster loans to repair or rebuild your home after the January 22–27, 2026 storm. Homeowner interest rates are 5.750% if you have credit available elsewhere and 2.875% if you do not. The physical loan application deadline is June 8, 2026; apply at https://lending.sba.gov or at locally announced locations.
Physical Damage Loans for Businesses
Small businesses and private non‑profits in Hardin County, TN and the listed contiguous counties (Chester, Decatur, Henderson, McNairy, Wayne in TN; Lauderdale in AL; Alcorn and Tishomingo in MS) can apply for SBA physical disaster loans to repair business property damaged by the January 22–27, 2026 storm. Business interest rates are 8.000% if credit is available elsewhere and 4.000% if not; private non‑profits have a 3.625% rate. The physical loan application deadline is June 8, 2026; apply at https://lending.sba.gov or locally announced sites.
Economic Injury (EIDL) Loans Available
Small businesses, small agricultural cooperatives, and private non‑profits in the same listed counties may apply for SBA Economic Injury Disaster Loans (EIDL) to cover working capital needs caused by the January 22–27, 2026 storm. Interest rates for EIDL are 4.000% for businesses and small agricultural cooperatives without credit available elsewhere and 3.625% for private non‑profits. The economic injury loan application deadline is January 7, 2027; apply at https://lending.sba.gov or at locally announced locations.
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