SBA mantiene el hub de disaster loans: físico, EIDL y mitigación no son grants

El 21 de julio de 2023 sirve como fecha de archivo para el hub de la U.S. Small Business Administration sobre disaster assistance: https://www.sba.gov/funding-programs/disaster-assistance (captura /tmp/sba-disaster.html). Fuente principal: hub de tipos de préstamo y cómo aplicar — no un release de totales de aprobación para Puerto Rico ese día. Loan no equivale a grant; approved no equivale a disbursed; declared disaster area no equivale a un registro de desembolsos. Background opcional (no es la fuente principal): a mediados de julio de 2023, los deadlines EIDL de Fiona publicados en releases SBA del 21 y 29 de junio de 2023 ya habían pasado; eso es contexto de calendario, no cambio de URL reservada.

El hub abre: Explore SBA’s low-interest disaster loans designed to help businesses of all sizes, homeowners, renters, and private nonprofit organizations recover from declared disasters — repair damage, reduce future risks, o cubrir working capital según el producto. Who is eligible: businesses of all sizes; homeowners; renters; private nonprofit organizations (según tipo). Loans can be used for losses not covered by insurance or FEMA funding, y business operating expenses which could have been met had the disaster not occurred. Use the SBA Loan Portal to check status and manage your loan. Elegible no equivale a aprobado; aprobado no equivale a desembolsado.

Home and personal property (physical). En declared disaster area, homeowners may apply for up to $500,000 to repair/replace primary residence; renters and homeowners may borrow up to $100,000 for personal property (clothing, furniture, cars, appliances). Insurance proceeds may be deducted. No upgrades/additions unless required by building code; proceeds may not replace profits. Mitigation: up to 20% of verified damages; refinance de previous mortgage en algunos casos. Terms: first payment deferred 12 months; no interest accrual first 12 months; fixed rate will not exceed 4% if unable to obtain credit elsewhere; maturity up to 30 years; no pre-payment penalty. Collateral to the extent possible over $50,000 (Presidential) / $14,000 (SBA Administrative); SBA will not decline for lack of collateral. Secondary/vacation homes are not eligible; qualified rentals may fall under business physical.

Business physical. Businesses of any size and most PNPs may apply si property, inventories, machinery/equipment u otros items fueron dañados en declared disaster area. Up to $2 million for losses not fully covered by insurance. Proceeds: real property, machinery, equipment, fixtures, inventory, leasehold improvements. No upgrade/expand except as required by codes; mitigation may allow up to 20% above verified real estate damage. Terms: deferred first payment / no interest accrual 12 months; rate will not exceed 4% (unable to obtain credit elsewhere) o 8% (can obtain credit elsewhere); maturity up to 30 years; same collateral thresholds. Apply online; SBA inspectors estimate damage once application is submitted.

EIDL. Working capital para small businesses, small agricultural cooperatives, aquaculture small businesses, y most PNPs en declared disaster area con substantial economic injury — unable to meet financial obligations and regular operating expenses. Loss of expected profits or decline in sales alone is not substantial economic injury. Solo when SBA determines unable to obtain credit elsewhere. Criteria: directly impacted; cannot cover expenses/debt due to the disaster; physically located in the declared area. May combine with physical; max combined $2 million. Use: working capital / normal expenses (health care, rent, utilities, fixed debt). Cannot: expand, buy fixed assets, repair physical damages, refinance, dividends/bonuses, or repay loans to stockholders. Rate will not exceed 4%; maturity up to 30 years; collateral over $50,000.

MREIDL, mitigation, apply. Military Reservist EIDL: max $2 million (waivable si major source of employment) when an essential employee is called to active duty; businesses able to self-fund are not eligible. Mitigation: increase physical loan up to 20% of verified loss — wind, flood, wildfire, earthquake, hail examples on the hub. Help: apply online; call 800-659-2955; COVID EIDL CESC@sba.gov; PPP forgiveness 866-722-4357; other DCS@sba.gov. Linked resources: USDA Rural Development, HUD Disaster Resources, FEMA Assistance to Help Business Owners.

Background (secundario): releases SBA en disco marcan deadline EIDL working capital Fiona (Sept. 17–21, 2022) para small businesses en PR el June 21, 2023 (/tmp/sba-fiona-jun21.html), y EIDL para PNPs el June 29, 2023 (/tmp/sba-fiona-jun29.html). La fecha de archivo del 21 de julio cae ~un mes después: esos deadlines ya habían pasado — sin convertir esos releases en URL de la fuente ni inventar totales island-wide de approvals/disbursements.

Distinciones: hub no equivale a notice de un desastre concreto; loan no equivale a grant; apply no equivale a approval; approval no equivale a disbursement; techos $500,000 / $100,000 / $2 million no equivale a awards a PR; declared area no equivale a cifra de desembolsos; allocated no equivale a obligated no equivale a disbursed no equivale a theft. Quien lea el hub como si el 21 jul 2023 SBA hubiera publicado un billion desembolsado a la Isla confunde página de programa con money trail.

Lo que esta nota no afirma: totales aprobados/desembolsados en PR; aplicaciones Fiona abiertas ese día; tasas de un FRDoc distinto; ni earmark. Solo el menú del hub: physical (home/personal + business), EIDL, MREIDL, mitigation, cómo aplicar. Fuente principal reservada: sba.gov/funding-programs/disaster-assistance. Nota relacionada: none. Carril SBA hub — distinto de FR notices, OpenFEMA o CDBG-DR. archivo local only. Fuente principal: 21 jul 2023. Source: /tmp/sba-disaster.html (+ Fiona Jun21/Jun29 solo background).