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      "title": "SBA Disaster Loan Program: Frequently Asked Questions",
      "summary": "This report responds to frequently asked questions about the Small Business Administration (SBA) Disaster Loan Program. The SBA Disaster Loan Program provides direct loans to help businesses, nonprofit organizations, homeowners, and renters repair or replace property damaged or destroyed in a federally declared disaster. The program is also designed to help small agricultural cooperatives recover from economic injury resulting from a disaster. SBA disaster loans include (1) Home and Personal Property Disaster Loans, (2) Business Physical Disaster Loans, and (3) Economic Injury Disaster Loans (EIDL). Most direct disaster loans (approximately 80%) are awarded to individuals and households rather than small businesses. The program generally offers low-interest disaster loans at a fixed rate with loan maturities of up to 30 years.\nKey issues of interest to Congress include: \nhow the program is put into effect,\nhow much Congress appropriates to the program,\nwhat types of loans are available to businesses and homeowners,\nthe use of SBA disaster loans in conjunction with insurance,\nloan interest rates and terms for SBA disaster loans, \neligible activities, \nloan processing times, and \ncollateral requirements.\nFor additional information on Small Business Administration Disaster Loan Program related to COVID-19, see CRS Insight IN11370, SBA EIDL and Emergency EIDL Grants for COVID-19, by Bruce R. Lindsay; CRS Report R46284, COVID-19 Relief Assistance to Small Businesses: Issues and Policy Options, by Robert Jay Dilger, Bruce R. Lindsay, and Sean Lowry; and CRS Insight IN11357, COVID-19-Related Loan Assistance for Agricultural Enterprises, by Robert Jay Dilger, Bruce R. Lindsay, and Sean Lowry.",
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      "id": 450630,
      "date": "2016-03-09",
      "retrieved": "2016-03-24T16:57:31.500492",
      "title": "SBA Disaster Loan Program: Frequently Asked Questions",
      "summary": "This report responds to frequently asked questions about the Small Business Administration (SBA) Disaster Loan Program. The SBA Disaster Loan Program provides direct loans to help businesses, nonprofit organizations, homeowners, and renters repair or replace property damaged or destroyed in a federally declared disaster. The program is also designed to help small agricultural cooperatives recover from economic injury resulting from a disaster. SBA disaster loans include (1) Home and Personal Property Disaster Loans, (2) Business Physical Disaster Loans, and (3) Economic Injury Disaster Loans (EIDL). Most direct disaster loans (approximately 80%) are awarded to individuals and households rather than small businesses. The program generally offers low-interest disaster loans at a fixed rate with loan maturities of up to 30 years.\nKey issues of interest to Congress include: \nhow the program is put into effect,\nhow much Congress appropriates to the program,\nwhat types of loans are available to businesses and homeowners,\nthe use of SBA disaster loans in conjunction with insurance,\nloan interest rates and terms for SBA disaster loans, \neligible activities, \nloan processing times, and \ncollateral requirements.\nFor additional information on Small Business Administration Disaster Loan Program, see CRS Report R41309, The SBA Disaster Loan Program: Overview and Possible Issues for Congress, by Bruce R. Lindsay.",
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