小企业管理局SBA为明尼苏达州边界水域野火受灾企业开放低息贷款：最高200万美元，覆盖七县并及威斯康星州Douglas县
美国小企业管理局（SBA）10月26日宣布，为受明尼苏达州边界水域独木舟区荒野（Boundary Waters Canoe Area Wilderness）野火影响的小企业与私人非营利组织开放低息联邦灾难贷款：明尼苏达州 Aitkin、Carlton、Cook、Itasca、Koochiching、Lake 与 St. Louis 七县，以及威斯康星州 Douglas 县的受灾企业与非营利组织可申请经济伤害灾难贷款（EIDL），单笔最高200万美元，用于弥补野火造成的经营损失。
这场野火发生于2026年7月11日至8月11日，地点在明尼苏达州东北部的边界水域独木舟区荒野一带。SBA 表示，此次灾难声明是应明尼苏达州州长 Tim Walz 10月21日提出的请求而发布。
经济伤害灾难贷款面向小企业、小型农业合作社与私人非营利组织（包括信仰类组织），用于灾后周转资金需求；即使企业没有遭受实物损坏，只要经济损失与这场野火直接相关，也可以申请。贷款可用于支付固定债务、工资、应付账款以及其他因灾难而无力支付的账单。SBA 同时说明，该计划不能向农业生产者、农民或牧场主提供贷款，小型水产养殖企业除外。
贷款条件方面，单笔金额最高200万美元，小企业利率低至4%，私人非营利组织低至3.625%，期限最长30年；利息自首次放款之日起12个月内不计息，12个月内也无需偿还。SBA 将根据每位申请人的财务状况确定贷款金额与期限。
SBA 灾后恢复办公室副局长 Chris Stallings 表示，SBA 贷款帮助符合条件的小企业与私人非营利组织在灾后支付运营开支，对恢复至关重要，不仅帮助企业主重新站稳脚跟，也在灾后维系地方经济方面发挥关键作用。
现场协助方面，SBA 客户服务代表将于10月27日与28日起进驻两处企业恢复中心：St. Louis 县中心位于 Ely 的 1600 E. Sheridan St.，10月27日中午开放，工作时间为周一至周五上午8时至下午5时、周六上午9时至下午1时，11月10日下午4时永久关闭；Cook 县中心位于 Grand Marais 的 Cook County Community Center（317 W. 5th St.），10月28日中午开放，工作时间为周一至周五上午9时至下午6时、周六上午9时至下午1时，11月3日因选举日临时关闭，11月10日下午5时永久关闭。现场可免预约直接前往，也可提前在网上预约一对一咨询。
申请人也可通过 sba.gov/disaster 在线申请，或拨打 SBA 全国支持网络中心电话 (866) SBA-HELP、发送邮件至 [email protected] 咨询。经济伤害贷款申请的提交截止日期为2027年7月22日。
SBA Opens Low-Interest Disaster Loans for Minnesota Businesses Hit by Boundary Waters Wildfires: Up to $2 Million Across Seven Counties
The U.S. Small Business Administration (SBA) announced on October 26 that low-interest federal disaster loans are available to small businesses and private nonprofit organizations in Minnesota affected by the Boundary Waters Canoe Area Wilderness wildfires: businesses and nonprofits in Minnesota's Aitkin, Carlton, Cook, Itasca, Koochiching, Lake and St. Louis counties, as well as Douglas County in Wisconsin, are eligible for Economic Injury Disaster Loans (EIDLs) of up to $2 million to offset economic losses caused by the fires.
The wildfires occurred from July 11 to August 11, 2026, in and around the Boundary Waters Canoe Area Wilderness in northeastern Minnesota. The SBA said it issued the disaster declaration in response to an October 21 request from Minnesota Governor Tim Walz.
The Economic Injury Disaster Loan program is available to small businesses, small agricultural cooperatives and private nonprofit organizations, including faith-based organizations, with financial losses directly related to the disaster. The loans are for working capital needs and are available even if a business did not suffer physical damage; they may be used to pay fixed debts, payroll, accounts payable and other bills that could not be paid because of the disaster. The SBA said it is unable to provide disaster loans to agricultural producers, farmers or ranchers, except for small aquaculture enterprises.
Loan amounts can be up to $2 million, with interest rates as low as 4% for small businesses and 3.625% for private nonprofit organizations and terms of up to 30 years. Interest does not accrue, and payments are not due, until 12 months from the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant's financial condition.
"SBA loans help eligible small businesses and private nonprofits cover operating expenses after a disaster, which is crucial for their recovery," said Chris Stallings, Associate Administrator of the Office of Disaster Recovery at SBA. "These loans not only help business owners get back on their feet but also play a key role in sustaining local economies in the aftermath of a disaster."
Beginning Tuesday and Wednesday, October 27 and 28, SBA customer service representatives will be on hand at Business Recovery Centers in St. Louis and Cook counties. The St. Louis County center, at 1600 E. Sheridan St. in Ely, opens at noon on October 27, with hours Monday to Friday, 8 a.m. to 5 p.m., and Saturday, 9 a.m. to 1 p.m., and closes permanently at 4 p.m. on November 10. The Cook County center, at the Cook County Community Center, 317 W. 5th St. in Grand Marais, opens at noon on October 28, with hours Monday to Friday, 9 a.m. to 6 p.m., and Saturday, 9 a.m. to 1 p.m.; it will close temporarily on November 3 for Election Day and permanently at 5 p.m. on November 10. Walk-ins are welcome, and in-person appointments can be scheduled in advance.
Applicants may also apply online at sba.gov/disaster, call SBA's National Support Network Center at (866) SBA-HELP, or email [email protected]. The filing deadline for economic injury applications is July 22, 2027.
来源：GSM·美国（原文链接）
图片来源：图：明尼苏达州边界水域独木舟区荒野湖畔的独木舟（资料图）。图片来源：Chad Fennell 摄，Wikimedia Commons，CC BY 2.0。Photo: Canoes on a lake in the Boundary Waters Canoe Area Wilderness, Minnesota (illustrative). Credit: Chad Fennell, Wikimedia Commons, CC BY 2.0.
