小企业局提醒科罗拉多灾后贷款仍可申请：野火洪灾实物贷款12月14日截止，十县在列
美国小企业局（SBA）11月13日提醒，科罗拉多州受野火、洪水与泥石流影响的企业、私人非营利组织与居民，仍可申请低息联邦灾难贷款，以弥补实物损害。这批灾害发生在6月27日至7月29日之间。
申报覆盖科罗拉多州十个县：Crowley、Custer、El Paso、Fremont、Huerfano、Las Animas、Lincoln、Otero、Pueblo 与 Saguache。
企业与非营利组织可申请实物灾难贷款，最高借款200万美元，用于修复或更换受灾损毁的不动产、机器设备、库存与其他经营资产。房主与租客可申请住房与个人财产贷款：租客与房主最高可借10万美元更换或修复衣物、家具、汽车与家电等个人财产，房主最高可借50万美元修复或更换主要住所。
申请人还可能获得最高相当于经 SBA 核定实物损害金额20%的贷款增额，用于防灾改造，例如加固建筑抵御火灾、升级为抗风车库门、安装安全屋或风暴避难所。SBA 灾后恢复办公室副主管 Chris Stallings 表示，灾难贷款的一个优势就是能同时资助降低未来损害风险的升级改造，他鼓励企业与房主与承包商和防灾专业人员合作，提高灾备水平。
经济伤害灾难贷款面向受灾害直接造成财务损失的小企业、小型农业合作社与私人非营利组织，包括宗教类组织。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。
贷款最高200万美元，利率低至企业4%、私人非营利组织3.625%、房主与租客2.875%，期限最长30年。利息自首次放款日起12个月内不计息、也不需还款。SBA 按每位申请人的财务状况决定资格、金额与条件。
实物损害申请的提交截止日是12月14日，截止后还有60天宽限期，SBA 在宽限期内仍接受申请。经济伤害申请的截止日是2027年7月14日。申请可通过 SBA 灾难贷款网站在线提交，也可致电 SBA 全国支持网络中心或发邮件咨询。
（来源：美国小企业局）
SBA Reminds Colorado Wildfire and Flood Survivors Disaster Loans Remain Open: Physical Damage Deadline Is Dec. 14 Across 10 Counties
The U.S. Small Business Administration (SBA) reminded eligible businesses, private nonprofit organizations and residents in Colorado on Nov. 13 that low-interest federal disaster loans remain available to offset physical damage caused by wildfires, flooding and mudslides that occurred between June 27 and July 29.
The declaration covers 10 Colorado counties: Crowley, Custer, El Paso, Fremont, Huerfano, Las Animas, Lincoln, Otero, Pueblo and Saguache.
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 and renters may borrow up to $100,000 to replace or repair personal property such as clothing, furniture, cars and appliances, and homeowners may borrow up to $500,000 to replace or repair their primary residence.
Applicants may also be eligible for a loan increase of up to 20 percent of their physical damage, as verified by SBA, for mitigation purposes, including strengthening structures against fire damage, upgrading to wind-rated garage doors and installing a safe room or storm shelter. Chris Stallings, associate administrator of SBA's Office of Disaster Recovery, said a distinct advantage of the program is the opportunity to fund upgrades that reduce the risk of future damage.
SBA's Economic Injury Disaster Loan program is available to eligible small businesses, small agricultural cooperatives and private nonprofits, including faith-based organizations, hit by financial losses directly related to the disaster. SBA cannot provide disaster loans to agricultural producers, farmers or ranchers, except for aquaculture enterprises.
Loans run up to $2 million, with interest rates as low as 4 percent for businesses, 3.625 percent for private nonprofits and 2.875 percent for homeowners and renters, and terms of up to 30 years. Interest does not accrue and payments are not due until 12 months from the first disbursement. SBA sets eligibility, amounts and terms based on each applicant's financial condition.
The filing deadline for physical damage applications is Dec. 14, followed by a 60-day grace period in which SBA will still accept applications. The deadline for economic injury applications is July 14, 2027. Applications can be filed online through SBA's disaster loan site.
(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：美国小企业局局长 Kelly Loeffler 官方肖像（GSM联邦固定图库）。 / Photo: SBA Administrator Kelly Loeffler, official portrait (GSM federal asset library).
GSM Global · 本篇英文版 English edition of this story
