SBA открывает кредиты ключевым НКО после Эрнесто

The Federal Register of December 6, 2024, published the notice from the Small Business Administration regarding the presidential declaration of major disaster for Public Assistance Only in Puerto Rico —FEMA-4850-DR— due to Tropical Storm Ernesto. Disaster Number PR-20003; SBA declarations #20902 (physical) and #20903 (economic injury). The journal date of this notice is September 12, 2026; the official byline is FR Doc. 2024-28565. It is reviewed because it sets the framework for SBA loans for essential nonprofits when the disaster is PA-only, a nuance that continues to determine who can apply for a loan and for what.

Incident period: August 13 to 16, 2024. Issued on: November 27, 2024. Physical Loan Application Deadline: January 27, 2025. Economic Injury (EIDL) Loan Application Deadline: August 27, 2025. The indicated portal is MySBA Loan Portal at lending.sba.gov. Recovery contact: Alan Escobar, Office of Disaster Recovery & Resilience, SBA.

Primary listed municipalities: Aibonito, Añasco, Aguas Buenas, Barranquitas, Canóvanas, Ceiba, Coamo, Comerío, Corozal, Hormigueros, Jayuya, Las Marías, Loíza, Manatí, Maricao, Maunabo, Mayagüez, Naguabo, Orocovis, San Lorenzo, San Sebastián, Santa Isabel, Vega Alta, Vieques, Villalba, and Yabucoa. The list is not “the whole island”: it is the SBA eligibility map under this PA-only declaration. Anyone living or operating outside of these municipalities cannot make up eligibility by only reading the name Puerto Rico in the title.

The notice is explicit about the applicant universe under this statement: Private Non-Profit organizations that provide essential services of a governmental nature can file disaster loan applications. That does not turn the notice into a FEMA Public Assistance grant, nor into an HMGP award, nor into a COR3 disbursement. It is the SBA gateway for certain PNPs when the President declares PA-only. Typical homeowners and small businesses under a 'full' declaration should not read this FR as if it were the same product as an IA+PA declaration.

The interest rates published in the notice distinguish between those unable to obtain credit elsewhere and those who can obtain credit in the market, for physical damage and for economic injury, with separate lines for nonprofits. The FR sets specific percentages by category —the full text in GPO/Federal Register tabulates them— and reminds that SBA loans are debt with terms, not grant assistance. Confusing a loan with a grant is the most expensive mistake a board of a cooperative or a nonprofit clinic can make.

For Ernesto's file in Borinquen, the correct sequence is: Stafford/FEMA declaration → SBA notice in the Federal Register → application in the portal → inspection/underwriting → loan obligation → disbursement according to closing. Each arrow is a different verb. 'Obligated' in FEMA PA is not 'loan approved' in SBA. 'Approved' is not 'wired.' And none of these steps is 'they stole it' without an oversight finding with a name and a file.

Months after the physical loans deadline, the value of rereading the FR lies in institutional memory: knowing which municipalities participated, what type of entity could apply, and the deadlines set by Washington. It is useful for auditing whether the essential PNPs of those towns used the window, whether there were rejections due to credit elsewhere, and how coordination with FEMA assistance to governments works. Without making up figures for how many loans closed —the notice does not provide them— the document remains the primary source of the PR-20003 framework.

The notice is signed by Alejandro Contreras as Acting Deputy Associate Administrator, Office of Disaster Recovery & Resilience. Catalog of Federal Domestic Assistance Number 59008. FR Doc. 2024-28565 Filed 12-5-24; 8:45 am. BILLING CODE 8026-09-P. Those processing data do not change eligibility, but they do identify the SBA file compared to other PR-2000x.

Fuente: Federal Register (SBA / FR Doc. 2024-28565) — https://www.federalregister.gov/documents/2024/12/06/2024-28565/presidential-declaration-of-a-major-disaster-for-public-assistance-only-for-the-commonwealth-of