小企业局为飓风Isaias佛州灾区开放低息灾难贷款：企业最高200万美元，Pensacola恢复中心已开放
美国小企业局（SBA）宣布，因应10月27日发出的总统灾难宣告，佛罗里达州受飓风Isaias影响的企业、私营非营利组织与居民现可申请低息灾难贷款。这场飓风发生于10月6日至12日。
根据宣告，佛罗里达州的Bay县、Escambia县、Holmes县、Gulf县、Okaloosa县、Santa Rosa县、Walton县与Washington县可同时申请实物损害贷款与经济损失灾难贷款（EIDL）；佛罗里达州Calhoun县、Franklin县、Jackson县、Liberty县及阿拉巴马州Baldwin县、Covington县、Escambia县、Geneva县的小企业与多数私营非营利组织只能申请经济损失贷款。
贷款额度方面，企业与非营利组织申请企业实物灾难贷款最高可借200万美元，用于修复或更换受灾损毁的房地产、机器设备、库存等资产；房主最高可借50万美元修复或更换主要住宅，房主与租户最高可借10万美元更换衣物、家具、汽车、家电等个人财产。经SBA核定的实物损害额，申请人还可能获得最高20%的增额贷款用于防灾加固，例如加固结构抵御强风、改装防风车库门、安装安全屋或风暴避难所。
利率最低为企业4%、私营非营利组织3.625%、房主与租户3%，期限最长30年；利息自首笔放款之日起12个月后才开始计息、到期还款。经济损失贷款面向因灾遭受财务损失的小企业、小型农业合作社与私营非营利组织（包括宗教组织），即使没有实物损害也可申请，用于支付固定债务、工资、应付账款等因灾无法支付的账单；但SBA不能向农业生产者、农民或牧场主提供灾难贷款，水产养殖企业除外。
SBA灾难恢复办公室副局长Chris Stallings表示：「通过总统宣告，SBA提供财务援助帮助社区恢复。我们为受灾的房主、租户、企业与私营非营利组织提供灾难贷款。」
SBA已在Escambia县设立业务恢复中心，地点在Pensacola的Ferry Pass Community Center（8800 N. 9th Ave），11月3日上午10时开放，工作时间为周一至周五上午8时至下午5时、周六上午10时至下午2时，可免预约到访，也可提前预约；该中心将于12月28日下午5时永久关闭。11月5日上午8时起，同一地点还将增设登记协助点，派驻人员协助个人申请联邦紧急事务管理署（FEMA）个人援助。实物损害贷款申请截止日期为12月28日，经济损失贷款申请截止日期为2027年7月27日；申请人也可在线申请。（来源：美国小企业局）
SBA Opens Low-Interest Disaster Loans for Florida Areas Hit by Hurricane Isaias: Businesses Eligible for Up to $2 Million, Pensacola Recovery Center Open
The U.S. Small Business Administration (SBA) announced that, in response to a presidential disaster declaration issued October 27, low-interest disaster loans are now available to Florida businesses, private nonprofit organizations and residents affected by Hurricane Isaias, which occurred October 6 through 12.
The declaration covers the Florida counties of Bay, Escambia, Holmes, Gulf, Okaloosa, Santa Rosa, Walton and Washington, which are eligible for both physical damage loans and Economic Injury Disaster Loans (EIDLs). Small businesses and most private nonprofits in the adjacent Florida counties of Calhoun, Franklin, Jackson and Liberty, and the Alabama counties of Baldwin, Covington, Escambia and Geneva, are eligible to apply for EIDLs only.
Businesses and nonprofits may borrow up to $2 million under business physical disaster loans to repair or replace disaster-damaged real estate, machinery and equipment, inventory and other business assets. Homeowners may borrow up to $500,000 to repair or replace a primary residence, and homeowners and renters may borrow up to $100,000 to replace personal property such as clothing, furniture, cars and appliances. Applicants may also be eligible for a loan increase of up to 20 percent of their verified physical damage for mitigation improvements, such as strengthening structures against high winds, upgrading to wind-rated garage doors, or installing a safe room or storm shelter.
Interest rates are as low as 4 percent for businesses, 3.625 percent for private nonprofits and 3 percent for homeowners and renters, with terms up to 30 years; interest does not accrue and payments are not due until 12 months from the first disbursement. EIDLs are available to eligible small businesses, small agricultural cooperatives and private nonprofits, including faith-based organizations, that suffered financial losses from the disaster, even without physical damage, and can be used to pay fixed debts, payroll, accounts payable and other bills that could not be paid because of the disaster. The SBA cannot provide disaster loans to agricultural producers, farmers or ranchers, except for aquaculture enterprises.
"Through a presidential declaration, SBA provides financial assistance to help communities recover," said Chris Stallings, Associate Administrator of the SBA's Office of Disaster Recovery. "We offer disaster loans to homeowners, renters, businesses, and private nonprofits affected by the disaster."
SBA customer service representatives are available at the Business Recovery Center in Escambia County, at the Ferry Pass Community Center, 8800 N. 9th Ave, Pensacola, Florida, which opened at 10 a.m. on Tuesday, November 3, with hours of Monday through Friday, 8 a.m. to 5 p.m., and Saturday, 10 a.m. to 2 p.m.; walk-ins are welcome and appointments can be scheduled in advance. The center closes permanently at 5 p.m. on December 28. A Registration Assistance Point staffed to help individuals applying for FEMA Individual Assistance will also open at the same location at 8 a.m. on Thursday, November 5. The filing deadline for physical property damage applications is December 28, and the deadline for economic injury applications is July 27, 2027. Applicants may also apply online. (Source: U.S. Small Business Administration)
来源：美国小企业局
发布：GSM·美国（发布链接）
图片来源：图：小企业局（SBA）设在灾区的业务恢复中心外景（资料图），SBA为飓风Isaias佛州灾区开放低息灾难贷款。FEMA 摄，公共领域，经 Wikimedia Commons。 / Photo: An SBA Business Recovery Center in a disaster area (file photo). The SBA has opened low-interest disaster loans for Florida areas hit by Hurricane Isaias. By FEMA, public domain, via Wikimedia Commons.
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