SBA Offers Disaster Relief to Small Businesses and Private Nonprofits Affected by Excessive Rainfall

NEWS RELEASE OFFICE OF DISASTER RECOVERY & RESILIENCE 

Release Date: Sept. 25, 2025 Contact: Karen.Knapik@sba.gov Release Number: 25-645, AL 21318 Follow us on X, Facebook, LinkedIn & Instagram 

SBA Offers Disaster Relief to Alabama Small Businesses and Private Nonprofits Affected by Excessive Rainfall Low interest disaster loans now available 

WASHINGTON – The U.S. Small Business Administration (SBA) announced the availability of  low interest federal disaster loans to small businesses and private nonprofit (PNP)  organizations in Alabama who sustained economic losses caused by excessive rainfall  occurring May 1-June 30, 2025. 

The disaster declaration covers the counties of Barbour, Blount, Bullock, Calhoun, Chambers,  Cherokee, Chilton, Clay, Cleburne, Colbert, Coosa, Cullman, Dekalb, Elmore, Etowah, Fayette,  Franklin, Jackson, Jefferson, Lamar, Lauderdale, Lawrence, Lee, Limestone, Macon, Madison,  Marion, Marshall, Montgomery, Morgan, Randolph, Russell, Shelby, St. Clair, Talladega,  

Tallapoosa, Tuscaloosa, Walker and Winston in Alabama; Carroll, Chattahoochee, Chattooga,  Dade, Floyd, Haralson, Harris, Muscogee, Polk, Stewart, Troup and Walker counties in  Georgia; Itawamba, Monroe and Tishomingo counties in Mississippi; as well as Franklin, Giles,  Lincoln and Marion counties in Tennessee. 

Under this declaration, the SBA’s Economic Injury Disaster Loan (EIDL) program is available to  eligible small businesses, small agricultural cooperatives, nurseries, and PNPs with financial  losses directly related to this disaster. The SBA is unable to provide disaster loans to  agricultural producers, farmers, or ranchers, except for aquaculture enterprises. 

EIDLs are available for working capital needs caused by the disaster and are available even if  the small business or PNP did not suffer any physical damage. The loans may be used to pay  fixed debts, payroll, accounts payable, and other bills not paid due to the disaster. 

“Through a declaration by the U.S. Secretary of Agriculture, SBA provides critical financial  assistance to help communities recover,” said Chris Stallings, associate administrator of the  Office of Disaster Recovery and Resilience at the SBA. “We’re pleased to offer loans to small  businesses and private nonprofits impacted by these disasters.” 

The loan amount can be up to $2 million with interest rates as low as 4% for small businesses  and 3.625% for PNPs, with terms up to 30 years. Interest does not accrue, and payments are  not due until 12 months from the date of the first loan disbursement. The SBA sets loan  amounts and terms based on each applicant’s financial condition. 

To apply online visit sba.gov/disaster. Applicants may also call SBA’s Customer Service Center  at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA 

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disaster assistance. For people who are deaf, hard of hearing, or have a speech disability,  please dial 7-1-1 to access telecommunications relay services. 

The deadline to return economic injury applications is May 15, 2026.