Missouri storm victims: SBA loans now open, apply fast
Published Date: 2/24/2025
Notice
Summary
A big storm hit Pulaski County, Missouri, causing damage from November 3-9, 2024. The government declared it a disaster area, so local homeowners, businesses, and nonprofits can now apply for low-interest disaster loans to help fix things. You’ve got until April 21, 2025, to apply for physical damage loans and until November 18, 2025, for economic injury loans—so don’t wait!
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Homeowners Eligible for Low‑Interest Repair Loans
If you own a home in Pulaski County, Missouri damaged by the November 3–9, 2024 storms, you can apply for an SBA physical disaster loan. The physical loan application deadline is April 21, 2025; interest rates listed are 5.125% for homeowners with credit available elsewhere and 2.563% for homeowners without credit available elsewhere.
Businesses Can Apply for Physical and EIDL Loans
If you own a business (including small agricultural cooperatives) in Pulaski County affected by the November 3–9, 2024 disaster, you can apply for SBA physical damage loans (deadline April 21, 2025) and Economic Injury Disaster Loans (EIDL) (deadline November 18, 2025). Physical loan interest rates are 8.000% for businesses with credit available elsewhere and 4.000% for businesses without credit available elsewhere; the EIDL rate for businesses and small agricultural cooperatives without credit available elsewhere is 4.000%.
Nonprofit Organizations Eligible for Disaster Loans
If you operate a nonprofit organization in Pulaski County affected by the November 3–9, 2024 disaster, you may apply for SBA physical damage loans (deadline April 21, 2025) and EIDL (deadline November 18, 2025). The interest rate listed for non‑profit organizations (with or without credit available elsewhere) is 3.625%.
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Related Federal Register Documents
2025-02741, HUBZone Program Updates and Clarifications, and Clarifications to Other Small Business Programs; Correction
The SBA fixed some small but important mistakes in its recent HUBZone and small business program rules to make things clearer and fairer. These corrections affect small businesses using HUBZone and other SBA programs, especially around size protests and financial reporting. The fixes take effect on February 18, 2025, helping businesses avoid confusion and unnecessary paperwork.
2026-20472, Administrative Declaration of a Disaster for the State of Connecticut
Connecticut got hit hard by storms and flash floods on September 13, 2026, and the government just declared it a disaster area. This means people and businesses in Fairfield and nearby counties can apply for low-interest disaster loans to help fix damage or cover lost income. You’ve got until December 1, 2026, to apply for physical damage loans and until July 2, 2027, for economic injury loans—so don’t wait!
2026-20399, Administrative Declaration of an Economic Injury Disaster for the State of Oregon
Oregon businesses hit by severe storms and wildfires from mid-July to late August 2026 can now apply for Economic Injury Disaster Loans to help recover. The SBA opened applications on October 1, 2026, with a deadline to apply by July 1, 2027. Low-interest loans are available for small businesses and nonprofits in affected counties across Oregon, Idaho, and Washington.
2026-20343, The Entire United States and U.S. Territories; Military Reservist Economic Injury Disaster Loan Program (MREIDL)
Starting October 1, 2026, small businesses across the U.S. and territories with military reservist employees called to active duty for over 30 days can apply for special disaster loans. These loans help cover everyday business costs while essential employees serve, with applications open for up to a year after the employee returns. The current loan interest rate is 4%, making it easier to keep businesses running smoothly during tough times.
2026-20080, Interest Rates
The Small Business Administration set the Optional Peg Rate at 5.00% for October to December 2026, which affects SBA direct and guaranteed fluctuating interest rate loans. Third Party Lenders funding 504 projects must keep their commercial loan rates within legal limits, capped at 6% above the New York Prime rate or state law limits. These changes help small businesses plan their loan costs for the upcoming quarter.
2026-19942, Presidential Declaration Amendment of a Major Disaster for Public Assistance Only for the State of Texas
Texas is getting extra help after severe storms, tornadoes, and flooding hit from July 12 to August 4, 2026. The government added four more counties to the disaster assistance list, so more communities can apply for aid. If you’re affected, you have until November 2, 2026, to apply for physical damage loans and until June 1, 2027, for economic injury loans.
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