小企业局 SBA 在 Spokane 开设灾害贷款外展中心：协助华盛顿州东部野火受灾企业与居民，实体损失申请截止12月21日
美国小企业局（SBA）10月28日宣布，在华盛顿州 Spokane County 开设灾害贷款外展中心（Disaster Loan Outreach Center），协助受2026年7月23日至8月31日华盛顿州东部野火影响的企业、私人非营利组织与居民申请灾害贷款。
中心设在 Spokane 的 NorthTown Mall 二楼（4750 North Division St., Unit 2058，近 JC Penney），10月28日上午11时起开放，开放时间为周一至周六上午11时至晚7时。SBA 客户服务代表在现场答疑并协助办理申请；民众可直接前往，也可通过小企业局预约系统提前预约面谈。
SBA 灾害恢复办公室副局长 Chris Stallings 说：「灾害发生时，SBA 的灾害贷款外展中心发挥重要作用，帮助小企业及其社区。中心的专员会协助业主与居民申请灾害贷款，并了解可支持其恢复的全部计划。」
贷款额度与利率方面：企业与非营利组织可申请最高200万美元的实体灾害贷款，用于修复或更换受灾的房地产、机器设备、库存及其他商业资产；房主最高可申请50万美元修复或更换主要住所，房主与租户最高可申请10万美元更换或修复衣物、家具、汽车、家电等个人财产。经 SBA 核实的申请人，还可就实体损失额申请最高20%的增额用于防灾加固，例如加强防野火结构、换装抗风车库门、安装安全屋或风暴庇护所。
经济损失灾害贷款面向因灾害蒙受财务损失的小企业、小型农业合作社与私人非营利组织（含信仰类组织），即使没有实体损失也可申请，用途包括支付固定债务、工资、应付账款等因灾害无法支付的账目；但 SBA 不能向农业生产者、农民或牧场主提供灾害贷款，小型水产养殖企业除外。利率最低为企业4%、非营利组织3.625%、房主与租户2.875%，期限最长30年；利息自首次放款日起12个月内不计、还款也自那时起才到期，额度与条款由 SBA 按申请人财务状况核定。
申请方式：可在线通过小企业局灾害援助申请页申请，也可致电 SBA 全国支持网络中心（866）SBA-HELP 或发电邮至 [email protected] 咨询；听障或语言障碍人士可拨7-1-1使用电信中继服务。实体财产损失申请的提交截止日期为12月21日，经济损失申请截止日期为2027年7月22日。
SBA Opens Disaster Loan Outreach Center in Spokane for Eastern Washington Wildfire Victims, Physical Damage Applications Due Dec. 21
The U.S. Small Business Administration (SBA) announced on October 28 the opening of a Disaster Loan Outreach Center in Spokane County, Washington, to assist businesses, private nonprofit organizations, and residents affected by the Eastern Washington Wildfires that occurred July 23 to August 31, 2026.
The center is located at NorthTown Mall, Unit 2058, on the second floor near JC Penney, at 4750 North Division St. in Spokane. It opened Wednesday, October 28 at 11 a.m. and operates Monday through Saturday, 11 a.m. to 7 p.m. SBA customer service representatives are on hand to answer questions and assist with the disaster loan application process. Walk-ins are welcome, and in-person appointments can be scheduled in advance appointment.sba.gov.
“When disasters strike, SBA’s Disaster Loan Outreach Centers perform an important role by assisting small businesses and their communities,” said Chris Stallings, Associate Administrator of the Office of Disaster Recovery at SBA. “At these centers, our specialists help business owners and residents apply for disaster loans and learn about the full range of programs available to support their recovery.”
Businesses and nonprofits may borrow up to $2 million in physical disaster loans to repair or replace disaster-damaged or destroyed real estate, machinery and equipment, inventory, and other business assets. Homeowners may apply for up to $500,000 to replace or repair their primary residence, and homeowners and renters may apply for up to $100,000 to replace or repair personal property such as clothing, furniture, cars, and appliances. Applicants may also be eligible for a loan increase of up to 20% of their physical damage, as verified by SBA, for mitigation improvements including strengthening structures against fire damage, upgrading to wind-rated garage doors, and installing a safe room or storm shelter.
The SBA’s 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, even if they suffered no physical damage. The loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could not be paid because of the disaster. The SBA is unable to provide disaster loans to agricultural producers, farmers, or ranchers, except for small aquaculture enterprises.
Interest rates are as low as 4% for businesses, 3.625% for nonprofits, and 2.875% for homeowners and renters, with terms 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 determines eligibility and sets loan amounts and terms based on each applicant’s financial condition.
Applicants may apply online at sba.gov/disaster, call SBA’s National Support Network Center at (866) SBA-HELP, or email [email protected]. People who are deaf, hard of hearing, or have a speech disability may dial 7-1-1 to access telecommunications relay services. The filing deadline for physical property damage applications is December 21, and the deadline for economic injury applications is July 22, 2027.
来源：GSM·美国（原文链接）
图片来源：图：华盛顿州 Spokane 市区景象。本次小企业局灾害贷款外展中心设在 Spokane 的 NorthTown Mall。Roman Eugeniusz 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / Spokane, Washington, where SBA opened its Disaster Loan Outreach Center at NorthTown Mall. Photo by Roman Eugeniusz, CC BY-SA 3.0, via Wikimedia Commons.
