SBA Disaster Loan Deadline for Washington Storm Victims

SBA Newsroom

Published March 27th, 2026

Detected March 28th, 2026

Summary

The U.S. Small Business Administration (SBA) is reminding eligible businesses, private nonprofits, and residents in Washington that the deadline to apply for low-interest federal disaster loans for physical damage caused by the 2025 Severe Winter Storms is April 27, 2026. Loan amounts can cover repairs and mitigation efforts, with interest rates as low as 2.875% for homeowners and 4% for businesses.

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What changed

The U.S. Small Business Administration (SBA) has issued a notice reminding eligible entities in Washington of the upcoming April 27, 2026, deadline to apply for federal disaster loans to offset physical damage from the 2025 Severe Winter Storms. Businesses and nonprofits can borrow up to $2 million for repairs or replacement of assets, while homeowners and renters can apply for up to $100,000 for personal property and up to $500,000 for primary residence repairs. The SBA also offers loan increases for mitigation purposes to strengthen properties against future damage.

Affected businesses, private nonprofits, and residents in specific Washington counties must submit their applications by April 27, 2026, although a 60-day grace period will be accepted after the deadline. The SBA also offers Economic Injury Disaster Loans (EIDL) for financial losses directly related to the disaster, though agricultural producers (except aquaculture) are excluded. Low interest rates are available, with payments deferred for 12 months from the first disbursement.

What to do next

Submit disaster loan applications for physical damage by April 27, 2026.
Contact SBA Customer Service for information on eligibility and application procedures.
Consider loan increases for mitigation improvements to reduce future storm damage risk.

Source document (simplified)

Disaster news release
WA-20025-07

SBA Relief Still Available to Washington Businesses, Private Nonprofits and Residents Affected by the 2025 Severe Winter Storms

Deadline to apply for physical damage loans approaching Published on

March 27, 2026

by Office of Disaster Recovery & Resilience WASHINGTON — The U.S. Small Business Administration (SBA) is reminding eligible businesses, private nonprofits, and residents in Washington of the April 27 deadline to apply for low interest federal disaster loans to offset physical damage caused by the 2025 Severe Winter Storms occurring Dec. 5 – 22, 2025.

The disaster declaration covers the Washington counties of Chelan, Cowlitz, Grays Harbor, Island, King, Kitsap, Kittitas, Lewis, Okanogan, Pacific, Pierce, San Juan, Skagit, Skamania, Snohomish, Thurston, Wahkiakum, Whatcom and Yakima.

Businesses and nonprofits are eligible to apply for business physical disaster loans and may borrow up to $2 million to repair or replace disaster-damaged or destroyed real estate, machinery and equipment, inventory, and other business assets.

Homeowners and renters are eligible to apply for home and personal property loans and may borrow up to $100,000 to replace or repair personal property, such as clothing, furniture, cars, and appliances. Homeowners may apply for up to $500,000 to replace or repair their primary residence.

Applicants may also be eligible for a loan increase of up to 20% of their physical damage, as verified by the SBA, for mitigation purposes. Eligible mitigation improvements include strengthening structures to protect against high wind damage, upgrading to wind rated garage doors, and installing a safe room or storm shelter to help protect property and occupants from future damage.

“One distinct advantage of SBA’s disaster loan program is the opportunity to fund upgrades reducing the risk of future storm damage,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “I encourage businesses and homeowners to work with contractors and mitigation professionals to improve their storm readiness while taking advantage of SBA’s physical damage loans.”

SBA’s Economic Injury Disaster Loan (EIDL) program is available to eligible small businesses, small agricultural cooperatives, nurseries and private nonprofit (PNP) organizations including faith-based organizations impacted by 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.

Interest rates can be as low as 4% for businesses, 3.625% for nonprofits, and 2.875% for homeowners and renters with terms up to 30 years. Interest does not begin to 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 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 filing deadline to submit applications for physical damage is April 27. However, after the deadline has passed, there is a 60-day grace period in which SBA will accept applications.

About the U.S. Small Business Administration

The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

Related programs: Disaster