The U.S. Small Business Administration (SBA) Disaster Loan Program is available to Washington businesses, private nonprofit (PNP) organizations, and residents affected by severe storms, straight-line winds, flooding, landslides, and mudslides occurring Dec. 5-19, 2025.
The disaster declaration covers the Confederated Tribes of the Chehalis Reservation, Lummi Nation, Muckleshoot Indian Tribe, Nisqually Indian Tribe, Nooksack Indian Tribe, Puyallup Tribe, Quinault Indian Nation, Samish Indian Nation, Sauk-Suiattle Indian Tribe, Shoalwater Bay Indian Tribe, Snoqualmie Indian Tribe, Squaxin Island Tribe, Stillaguamish Tribe of Indians, Swinomish Indian Tribal Community, Tulalip Tribes, and the Upper Skagit Indian Tribe and the Washington counties of Chelan, Grays Harbor, King, Lewis, Pacific, Pierce, Skagit, Snohomish, Thurston, and Whatcom, which are eligible for both Physical Damage Loans and Economic Injury Disaster Loans (EIDLs) from the SBA. Small businesses and most PNP organizations in the following adjacent counties are eligible to apply only for SBA EIDLs: Cowlitz, Douglas, Island, Jefferson, Kitsap, Kittitas, Mason, Okanogan, San Juan, Skamania, Wahkiakum, and Yakima.
SBA offers disaster assistance in the form of low-interest loans. These loans are the primary source of federal assistance to help private property owners pay for losses not covered by insurance or other recoveries.
Type of Disaster Loans:
Homeowners: may borrow up to $500,000 to repair or rebuild/replace their primary residence to its pre-disaster condition.
Interest rates as low as 2.875% fixed for up to a 30-year term.
Renters and Homeowners: up to $100,000 to repair or replace personal property, funds can be used to purchase or repair:
- Vehicles including boats and snow machines
- Furniture, appliances, clothing, etc.
- Everyday camp gear for hunting, fishing, cooking, and staying safe
- Interest rates as low as 2.875% fixed for up to a 30-year term.
Businesses/Nonprofits:
Property Damage: up to $2M available for repairs or replacement of real estate, purchase machinery and equipment, inventory, and other assets that were damaged or destroyed.
Interest rates as low as 4% for businesses and 3.625% for nonprofit organizations for a term up to 30 years.
Economic Injury: up to $2M for working capital to help pay obligations until normal operations resume. Funds may be used to pay: payroll, lease/mortgage, utilities, vendor payments, bank debt payments, etc.
Interest rates as low as 4% for businesses and 3.625% for nonprofit organizations for a term up to 30 years.
Advantages of the SBA Federal Disaster Loans:
- You can apply for an SBA loan the same day you register with FEMA.
- If approved, you’re not obligated to take a loan.
- You don’t have to wait for your insurance to settle.
- All loans have a 12-month deferment, and no interest accrues during this time.
Applications for disaster loans may be submitted online using the MySBA Loan Portal here. Please contact the SBA’s Customer Service Center by email at disastercustomerservice@sba.gov or by phone at 1-800-659-2955 for further assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.
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