SBA Disaster Loan Outreach Center

Affected by Heavy Rain and Flash Flooding on August 5, 2022?  SBA Can Help!

SBA Low-Interest Federal Loans for Disaster-Related Damages:

  • Business Disaster Loans
  • Economic Injury Disaster Loans
  • Home Disaster Loans
SBA Disaster Logo

Which counties are eligible?

Westmoreland County, and all adjacent counties: Allegheny, Armstrong, Cambria, Fayette, Indiana, Somerset and Washington counties. Any homeowner or renter,  business of any size, or non-profit organization in any of the above counties is eligible to apply for disaster loans for their uncompensated, disaster-caused damages.  

SBA Disaster Loan Outreach Center (DLOC)

The SBA is staffing a Disaster Loan Outreach Center (DLOC) where people can receive one-on-one assistance with putting in their application, and answers to their questions about the federal disaster loan program:

Westmoreland County  
Saint Vincent College
Fred Rogers Center - Room 1B
300 Fraser Purchase Rd. 
Latrobe, PA 15650 

Opening:   Wednesday, Aug. 24, 11 a.m. – 6 p.m.
Hours:        Monday – Friday, 9 a.m. – 6 p.m.

Open:         Saturday, Aug. 27, 10 a.m. – 2 p.m. 
Closed:       Sundays
Closing Permanently: Friday, Sept. 2 at 4 p.m.

Printable Program Materials

  1. Available Disaster Loan Types
  2. Credit Requirements & Interest Rates
  3. How to Apply
  • Business Physical Disaster Loans – Loans to businesses to repair or replace disaster-damaged property owned by the business, including real estate, inventories, supplies, machinery and equipment.  Businesses of any size are eligible.  Private, non-profit organizations such as charities, churches, private universities, etc., are also eligible. The law limits business loans to $2,000,000.
  • Economic Injury Disaster Loans (EIDL) – Working capital loans to help small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, non-profit organizations of all sizes meet their ordinary and necessary financial obligations that cannot be met as a direct result of the disaster.  These loans are intended to assist through the disaster recovery period. 
  • Home Disaster Loans – Loans to homeowners or renters to repair or replace disaster-damaged real estate and personal property, including automobiles.

Program Info

Businesses of all sizes, non-profits, faith-based organizations, homeowners and renters can apply for physical disaster loans for their uncompensated losses (for example, damages not covered by insurance). 

Small businesses and non-profits can apply for Economic Injury Disaster Loans to help with cash flow. They do not need to have physical damages to apply, but they need to show economic losses directly linked to the disaster.

Any small business or non-profit that applies for a physical disaster loan will automatically be considered for an EIDL. They do not have to put in a separate application. 

Program Highlights

  • Disaster loans for homeowners are for one’s primary residence. 
  • Driveways, culverts, septic systems, wells, sheds, garages, fencing, decks, etc. are generally all eligible under the disaster loan program.
  • Terms are up to 30 years to make payments affordable, but there are no prepayment penalties for those who wish to pay off their loans early.
  • The loans are direct from the U.S. Treasury, not a bank. The terms and interest rate don’t change.
  • The first payment is not due until five months from the date of the Promissory Note; however, interest accrues during that period.
  • No collateral is required for loans of $25,000 or less.