小企业局为 Oakland 东区公寓火灾开放灾难贷款：企业最高200万美元、覆盖加州七县
美国小企业局（SBA）11月4日宣布，为加州企业、私营非营利机构与居民开放低息联邦灾难贷款，弥补9月25日 East Oakland 公寓火灾造成的实体与经济损失。这项灾难声明是应加州州长紧急服务办公室主任 Caroline Thomas Jacobs 10月23日的请求发出的，覆盖 Alameda、Contra Costa、San Francisco、San Joaquin、San Mateo、Santa Clara 与 Stanislaus 七个县。
企业与非营利机构可申请实体灾难贷款，最高可借200万美元，用于修复或替换受损的房地产、机器设备、库存及其他经营资产。房主与房客可申请住房与个人财产贷款：个人财产最高10万美元，用于替换或修复衣物、家具、汽车与家电；房主修复或替换主要住宅最高可借50万美元。经 SBA 核定的申请人还可按实体损失金额最高增加20%的贷款，用于防火加固、更换防风车库门、加装安全屋或风暴庇护所等减灾改造。
没有实体损失的受灾方也可申请经济损失灾难贷款：受灾情直接造成财务损失的小企业、小型农业合作社与私营非营利机构（包括信仰组织）可借周转资金支付固定债务、工资、应付账款等开支；农业生产者与牧场主不在此列，水产养殖企业除外。
贷款利率最低为企业4%、非营利机构3.625%、房主与房客3%，期限最长30年；利息自首次放款满12个月后才开始计算、还款也自那时起才到期，具体额度与条件由 SBA 按每位申请人的财务状况核定。
小企业局灾难恢复办公室副局长 Chris Stallings 表示，灾难发生后，SBA 的灾难贷款外展中心在帮助小企业与社区方面发挥重要作用，中心专员会协助业主与居民申请灾难贷款、了解全部可用援助项目。设在 Oakland 的外展中心11月4日中午开门，地点是 Oakland Public Library 的 Melrose 分馆（4805 Foothills Blvd, Oakland, CA 94601），开放时间为周一与周四上午10时至下午5时30分、周二与周三上午10时至下午6时30分、周五中午至下午5时30分，11月11日退伍军人日休息，11月20日下午5时30分关闭；居民可直接前往，也可提前预约。
实体损失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。申请人可通过 SBA 灾难援助页面在线申请，也可拨打 (866) SBA-HELP 或发邮件至 [email protected] 咨询；听障或语言障碍人士可拨打 7-1-1 使用电信中继服务。
申请入口：SBA 灾难贷款在线申请
SBA Opens Disaster Loans for East Oakland Apartment Fire: Up to $2 Million for Businesses Across Seven California Counties
The U.S. Small Business Administration (SBA) announced on November 4 that low-interest federal disaster loans are available to California businesses, private nonprofits and residents to offset physical and economic losses from the East Oakland Apartment Fire, which occurred on September 25. The SBA issued the disaster declaration in response to an October 23 request from Caroline Thomas Jacobs, Director of the California Governor's Office of Emergency Services. The declaration covers seven California counties: Alameda, Contra Costa, San Francisco, San Joaquin, San Mateo, Santa Clara and Stanislaus.
Businesses and nonprofits may apply for physical disaster loans of up to $2 million to repair or replace disaster-damaged real estate, machinery and equipment, inventory and other business assets. Homeowners and renters may borrow up to $100,000 to replace or repair personal property such as clothing, furniture, cars and appliances, and homeowners may apply for up to $500,000 to repair or replace their primary residence. Applicants may also be eligible for a loan increase of up to 20 percent of their verified physical damage for mitigation, including strengthening structures against fire damage, upgrading to wind-rated garage doors, and installing a safe room or storm shelter.
Economic Injury Disaster Loans are available to small businesses, small agricultural cooperatives and private nonprofits, including faith-based organizations, hit by financial losses directly related to the fire, even if they suffered no physical damage. The working-capital loans can pay fixed debts, payroll, accounts payable and other bills; agricultural producers, farmers and ranchers are not eligible, except for aquaculture enterprises.
Interest rates are as low as 4 percent for businesses, 3.625 percent for nonprofits and 3 percent for homeowners and renters, with terms of up to 30 years. Interest does not accrue and payments are not due until 12 months after the first disbursement, and the SBA sets amounts and terms based on each applicant's financial condition.
"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 SBA's Office of Disaster Recovery. "At these centers, our SBA specialists help business owners and residents apply for disaster loans and learn about the full range of programs available to support their recovery." The Oakland outreach center opened at noon on Wednesday, November 4, at the Melrose Branch of the Oakland Public Library, 4805 Foothills Blvd., Oakland, CA 94601. Its hours are Monday and Thursday, 10 a.m. to 5:30 p.m.; Tuesday and Wednesday, 10 a.m. to 6:30 p.m.; and Friday, noon to 5:30 p.m. It will be closed on November 11 for Veterans Day and closes on Friday, November 20, at 5:30 p.m. Walk-ins are welcome and appointments can be scheduled in advance.
The deadline to return physical damage applications is December 28, and the deadline for economic injury applications is July 27, 2027. Applicants can apply online through the SBA disaster assistance page, call (866) SBA-HELP, or email [email protected]. People who are deaf, hard of hearing or have a speech disability can dial 7-1-1 for telecommunications relay services.
Apply: SBA disaster loan application
来源：美国小企业局
发布：GSM·美国（发布链接）
图片来源：图：加州 Oakland 市区与海湾大桥夜景。本次小企业局灾难贷款外展中心设在 Oakland 公共图书馆 Melrose 分馆。Basil D 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / Photo: Downtown Oakland, California, and the Bay Bridge at night. SBA's Disaster Loan Outreach Center for this declaration is at the Oakland Public Library's Melrose Branch. Photo by Basil D, CC BY-SA 3.0, via Wikimedia Commons.
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