Michigan Storm Victims Can Apply for SBA Loans
Published Date: 7/15/2026
Notice
Summary
The President declared a major disaster for Michigan after severe storms, tornadoes, and flooding hit between April 10-21, 2026. People and businesses in many counties can now apply for disaster loans to help fix damage or recover lost income. Physical damage loan applications are due by August 31, 2026, and economic injury loan applications by March 30, 2027.
Analyzed Economic Effects
3 provisions identified: 2 benefits, 1 costs, 0 mixed.
Disaster Loans for Listed Michigan Counties
People and businesses in the listed primary Michigan counties (Alcona; Allegan; Alpena; Antrim; Barry; Benzie; Charlevoix; Cheboygan; Crawford; Emmet; Grand Traverse; Gratiot; Iosco; Kalamazoo; Kalkaska; Manistee; Mecosta; Montcalm; Muskegon; Newaygo; Oceana; Osceola; Presque Isle; Roscommon; Saginaw; Washtenaw; Wexford) can apply for SBA disaster loans for both physical damage and economic injury related to the severe storms, tornadoes, and flooding that occurred April 10–21, 2026. Physical damage loan applications are due by August 31, 2026, and economic injury (EIDL) loan applications are due by March 30, 2027.
EIDL Access for Contiguous Michigan Counties
Businesses in the listed contiguous Michigan counties (Arenac; Bay; Branch; Calhoun; Cass; Clare; Clinton; Eaton; Genesee; Gladwin; Ionia; Isabella; Jackson; Kent; Lake; Leelanau; Lenawee; Livingston; Mackinac; Mason; Midland; Missaukee; Monroe; Montmorency; Oakland; Ogemaw; Oscoda; Otsego; Ottawa; Shiawassee; St. Joseph; Tuscola; Van Buren; Wayne) are eligible to apply for Economic Injury Disaster Loans (EIDL) only for impacts from the April 10–21, 2026 incident. EIDL applications must be submitted by March 30, 2027.
SBA Disaster Loan Interest Rates
The notice lists interest rates for disaster loans: homeowners with credit available elsewhere 5.750% and without 2.875%; businesses with credit available elsewhere 8.000% and without 4.000%; private non-profits with or without credit available elsewhere 3.625%; and economic injury loans for businesses and small agricultural cooperatives without credit available elsewhere 4.000%. These rates apply to loans tied to this Michigan disaster declaration.
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Key Dates
Department and Agencies
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