FEMA: Throwing Away an SBA Application Is Like Throwing Away Money

One of the most important messages that state and federal officials would like to share with homeowners, renters and business owners in the Mississippi counties that are recovering from the severe storms, tornadoes and flooding of April, as well as the flooding of the Mississippi River and its tributaries in May, is fill out and return your U.S. Small Business Administration application. Don't throw it away!

After an applicant registers with the Federal Emergency Management Agency, they may receive a loan application package from the SBA. Typically, people may think that the loans are only for businesses, or they simply do not want to take out a low-interest disaster loan. So, they may push the SBA documents to the side or, possibly, discard them.

"This is where people tend to take themselves out of the process," said Mississippi Emergency Management Agency Director Mike Womack [pictured]. "If they don't complete the SBA paperwork, they could miss out on all the FEMA aid they may qualify for."

Applicants Should Know:
* Disaster loans up to $200,000 are available to homeowners to repair/replace real estate. Homeowners and renters are eligible for up to $40,000 to repair/replace personal property. Most interest rates for residents are below three percent, with terms as long as 30 years. Businesses and non-profit organizations of any size can borrow up to $2 million -- at an interest rate as low as four percent -- to repair or replace damaged or destroyed real estate, machinery and equipment, inventory, and other business assets, as well as to cover economic injury.

* Filling out the SBA application is a necessary step to be considered for some other forms of disaster assistance. Applicants may be eligible for more aid.

* If SBA is unable to approve a home loan, the applicant may be referred back to FEMA for some other disaster aid. Applicants may be awarded assistance for personal items, repair or replacement of a vehicle, etc.

Residents of 40 Counties Eligible to Register for Assistance
A major disaster declaration was approved by President Obama on May 11 for the Mississippi flooding that began May 3. Under this declaration, the following 14 counties are authorized to receive aid under FEMA's Individual Assistance Program: Adams, Bolivar, Claiborne, Coahoma, DeSoto, Humphreys, Issaquena, Jefferson, Sharkey, Tunica, Warren, Washington, Wilkinson and Yazoo.

Under a previous disaster declaration, federal funding is also available to eligible individuals impacted by the April tornadoes and storms in these 29 counties: Alcorn, Attala, Chickasaw, Choctaw, Clarke, Clay, Coahoma, DeSoto, Greene, Grenada, Hinds, Holmes, Jasper, Kemper, Lafayette, Leflore, Marshall, Monroe, Montgomery, Neshoba, Newton, Panola, Quitman, Smith, Sunflower, Tishomingo, Tunica, Webster, and Winston.

As a result of the two declarations, residents in 40 Mississippi counties are eligible for Individual Assistance. Coahoma, DeSoto, and Tunica counties are eligible for Individual Assistance under both declarations.

Residents and business owners who sustained losses in the newly authorized counties, as well as those in counties previously authorized for Individual Assistance, can register by calling 800-621-FEMA [3362]; or, for those with speech or hearing impairment, TTY 800-462-7585. These toll-free telephone numbers will operate 7 a.m. – 10 p.m. seven days a week. Disaster survivors also can register by going online at www.DisasterAssistance.gov, or on the Smartphone mobile website m.fema.gov.

SBA representatives at each DRC will assist in completing loan applications, accept loan applications, and answer questions about the application process.

Questions can also be answered by calling the SBA Disaster Customer Service Center at 800-659-2955, or 800-877-8339 TTY for people with speech or hearing disabilities. The lines will operate Monday through Friday, 7 a.m. to 5 p.m.; and Saturday, from 7 a.m. to 3:30 p.m CDT.

Help also is available by sending an email to disastercustomerservice@sba.gov, or online at www.sba.gov.

Those affected by these disasters also can fill out a loan application by visiting SBA's secure website at https://disasterloan.sba.gov/ela/.

SOURCES: Federal Emergency Management Agency, Mississippi Emergency Management Agency [file photo], U.S. Small Business Administration
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Cabinet Members Meet with Families, Business Owners, and State and Local Officials in Alabama and Mississippi

Following President Obama's commitment on Friday -- i.e., that the federal government would do everything possible to help families and communities recover from the deadly tornadoes and severe storms that struck the Southeast earlier this week -- several members of his Cabinet are in Alabama and Mississippi today. They are there to meet with families and business owners affected by the storms; meet with state and local officials; and to view damage and assess the initial recovery efforts already underway.

Today’s travel party comprises: Secretary of Homeland Security Janet Napolitano; Housing and Urban Development [HUD] Secretary Shaun Donovan; Agriculture Secretary Tom Vilsack; Federal Emergency Management Agency [FEMA] Administrator Craig Fugate [pictured]; and Small Business Administration [SBA] Administrator Karen Mills.

Since the immediate impact of the storms, the President, Secretary Napolitano, and Administrator Fugate have been in constant contact with the governors of all the impacted states to ensure they have the support they need.

On April 29, the President signed major disaster declarations for Mississippi and Georgia -- in addition to the Alabama major disaster declaration signed on April 28 -- which make federal assistance available to individuals who suffered personal property damages or losses, and for public infrastructure; e.g., schools, fire stations and libraries.

Damage assessments are ongoing, and counties continue to be designated to receive assistance as damage assessments are completed. Additionally, FEMA has received disaster declaration requests from the governors of the states of Kentucky, Tennessee, Arkansas, and the Commonwealth of Virginia, and those requests are under review. Preliminary damage assessments are also being conducted today in Virginia.

"FEMA is part of a team that continues to work with communities to help them rebuild and recover," said Fugate. "This team includes the entire federal family, state, local and tribal officials; the faith-based and non-profit communities; the private sector; and, most importantly, the public.

"This Administration will bring the full support of the federal government and its partners to bear to support the states, families and communities devastated by these deadly tornadoes, for as long as it takes."

A housing mission planning team is on the ground in Alabama to support the state in meeting its objectives. This team -- comprised of housing and technical experts from FEMA, HUD, Army Corps of Engineers, SBA and voluntary agencies -- will assist the state-led housing task force in establishing housing priorities; seeking ways to maximize housing resources, such as apartments and rental units; and other resources, if needed.

As work continues to restore power and remove debris -- so that homes can begin to be repaired or replaced -- FEMA is working with HUD to identify available rental resources to help survivors find long-term housing solutions.

FEMA is also working with the Army Corps of Engineers to provide temporary home repairs -- such as covering broken windows or holes in roofs -- and getting survivors back home more quickly; and working with SBA to help individuals and businesses apply for low-interest loans, so that they can more quickly rebuild or repair their damaged homes and replace lost property.

Additionally, FEMA is actively taking registration information through its call centers; has inspectors on the ground assessing the damages of those who have registered; and is approving financial assistance for housing [such as rental assistance and home repair money] and financial assistance for other essential needs [such as disaster-related medical needs, and replacing lost clothing, furniture and other necessary items].

Additional information on the coordination efforts of FEMA and its federal partners, updated as of 12 PM EDT today, can be found below:

Federal Emergency Management Agency [FEMA]
* At the request of the respective states, FEMA currently has personnel on the ground in Alabama, Georgia, Mississippi, Kentucky and Tennessee, and commodities strategically pre-positioned in the region -- including personnel in North Carolina as a result of the April 16th storms.
* FEMA Incident Management Assistance Teams are currently located in Alabama, Mississippi, Georgia, Kentucky and Tennessee to assist in coordination efforts as the states continue to respond and begin to recover from this devastating storm outbreak.
* An Incident Support Base has been established at the Maxwell Air Force Base in Alabama to move supplies such as water, infant-toddler kits and tarps closer to the affected areas should they be needed, and additional resources continue to arrive.
* Mobile Emergency Response Support teams and equipment have been deployed to Alabama and Mississippi to provide voice, video and data capabilities in support of communication requirements identified by the Federal Coordinating Officer.
* FEMA Community Relations [CR] teams are on the ground in Alabama and Georgia, and additional CR teams have been deployed to meet with disaster survivors and explain the assistance available, and to help survivors register for assistance.
* FEMA partnered with the Alabama Emergency Management Agency to create a joint Facebook page as an additional way to reach Alabama residents during the response and recovery efforts after the severe storms and tornadoes.

U.S. Small Business Administration Office of Disaster Assistance
* SBA's Office of Disaster Assistance's provides low-interest disaster loans to homeowners, renters, businesses of all sizes and private, non-profit organizations to repair or replace real estate, personal property, machinery and equipment, inventory and business assets that have been damaged or destroyed in a declared disaster. For information, go to: http://1.usa.gov/DisasterAssistanceSBA.

U.S. Nuclear Regulatory Commission [NRC]
* Staff are monitoring the situation at the Browns Ferry nuclear power plant after the site lost offsite power early Wednesday evening due to severe storms that damaged power lines in the area. The plant is operated by Tennessee Valley Authority near Athens, about 32 miles west of Huntsville, Ala. The reactor units were automatically and safely shut down on April 27th.

American Red Cross, Salvation Army and Other Voluntary and Faith-Based Agencies
* Voluntary and faith-based organizations continue to locally offer and coordinate housing, food and other services as needed to support disaster survivors in the affected states.
* Open Red Cross shelters can be found on www.redcross.org.
* The Red Cross Safe and Well secure website provides a way for people to find information on people affected by the storms. To register, visit http://bit.ly/SafeAndWell.

U.S. Department of Health and Human Services [HHS]
* HHS has activated a Disaster Medical Assistance Team and a Disaster Mortuary Operations Response Assessment Team, which are ready to deploy as needed by the states.
* HHS is also providing information on post-storm health messages -- such as how to prevent carbon-monoxide poisoning, tips on generator safety, and safety around downed power lines.

National Oceanic and Atmospheric Administration [NOAA]
* NOAA has deployed survey teams to many affected states to begin assessing damage and conduct analysis in the coming days that will be utilized to assign Enhanced Fujita [EF] ratings.

Department of Defense/USNORTHCOM
* The Department of Defense [DoD] has activated a Defense Coordinating Officer to assist in the coordination of DoD resources needed to support state response and recovery efforts.

Air Force Auxiliary
* Civil Air Patrol pilots from Alabama, Mississippi, Tennessee and Virginia are flying over areas with major devastation, to assist first responders and state and local officials as they assess the damage to the region. The Civil Air Patrol, in its role as the Air Force Auxiliary, performs its missions for DoD and other federal agencies, as well as state and local authorities when assistance is requested.

U.S. Housing and Urban Development [HUD]
* HUD continues to provide federal disaster assistance supporting homeowners and low-income renters forced from their homes following severe storms, tornadoes, straight-line winds, and flooding this week. Read more about the services provided by HUD.

U.S. Postal Service [USPS]
* USPS is providing details on the status of open USPS offices -- including hours of operation and services provided to disaster survivors affected by the recent storms.

Department of Labor Occupational Safety and Health Administration [OSHA]
* The Department of Labor's Occupational Safety and Health Administration has issued tips for workers and members of the public, to protect themselves from hazards that individuals may encounter during clean-up and recovery efforts.

U.S. Department of Agriculture [USDA]
* USDA's Farm Service Agency [FSA] continues to issue information on the FSA programs that may be available to crop and livestock producers in affected states, to assist with recovery. Information on the services provided by FSA can be found at www.fsa.usda.gov.

Internal Revenue Service [IRS]
* The IRS has activated its disaster tax relief program, which includes providing tax filing and tax payment relief for individuals and businesses covering the period of April 15, 2011, to June 30, 2011. To learn more about the IRS disaster tax relief program, click here.

SOURCES: Federal Emergency Management Agency, The White House
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Bipartisan Landrieu-Cochran-Wicker Legislation Gives Disaster Relief to Hard-Hit Gulf Coast Small Businesses

Senate Committee on Small Business and Entrepreneurship Chair Mary L. Landrieu [D-La., pictured] -- along with Sens. Thad Cochran [R-Miss.] and Roger Wicker [R-Miss.] -- just introduced a bill that provides financial relief to as many as 11,000 businesses in Louisiana, Mississippi, Alabama and Texas.

These small businesses are still rebuilding after Hurricanes Katrina, Rita, Gustav and Ike. With this bipartisan legislation, they have the potential to create or save up to 40,000 jobs.

"The small businesses in these hard-hit areas have not survived just one disaster, but three: Hurricanes Katrina and Rita in 2005; Hurricanes Gustav and Ike in 2008; and, last year, the Deepwater Horizon [oil spill] disaster," said Sen. Landrieu. "These valuable, pioneer businesses took the initiative to quickly reopen after the storms, and gave communities the confidence to come home. If residents see their local gas station or their favorite restaurant open, they are more likely to come back to rebuild their homes -- spurring economic growth in these devastated areas.

"As we approach the sixth anniversary of Hurricanes Katrina and Rita, we must ensure that these pioneers can make it past this anniversary. This legislation will help these businesses not just survive, but grow and hire workers."

"The economic recovery, both on the Gulf Coast and nationally, has been stubbornly slow," said Cochran. "Easing the federal loan burden on small businesses that quickly rebuilt after successive hurricanes should help with job creation. I support this legislation as a worthwhile tool to continue rejuvenating the economy of Southern Mississippi and the Gulf Coast region."

"Gulf Coast small businesses and entrepreneurs continue to recover from Hurricane Katrina and the devastation caused by last year’s oil spill," said Wicker. "Economic opportunities created by this legislation would provide an important boost at a critical time for the entire region."

The Southeast Hurricanes Small Business Disaster Relief Act of 2011 would give the Small Business Administration [SBA] the authority to waive up to $15,000 of the interest payments for businesses in Louisiana, Mississippi, Alabama and Texas over three years. The SBA is required to give priority to applications with the following credentials:

* Businesses with 50 employees or fewer;

* Businesses affected by Hurricanes Katrina and Rita, that reopened between September 2005 and October 2006;

* Businesses affected by Hurricanes Gustav and Ike, that reopened between September 2008 and January 2009; and/or

* Businesses that suffered substantial economic injury from the Deepwater Horizon disaster

Representative Cedric Richmond [D-La.] will be introducing the House companion bill. Last Congress, a similar proposal received support from the U.S. Chamber of Commerce, the U.S. Conference of Mayors, the New York Times, the Times Picayune, and other Gulf Coast groups.

Applications for the program would not be accepted after March 31, 2012.

GoodBiz113's Take
Once again, Sen. Landrieu is leading an impressive bipartisan initiative to serve the far-reaching interests of small businesses. Entrepreneurs of all political stripes are fortunate that she's doing so.

Hopefully, Congress will act swiftly to pass the Senate and House versions of this legislation, so that Gulf Coast small-business owners can focus on growing their enterprises -- and the U.S. economy.

SOURCES: U.S. Senate Committee on Small Business and Entrepreneurship, Wikipedia
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New Landrieu Amendment Provides Interest Relief for Small-Business Disaster Loans

Today, United States Senator Mary L. Landrieu [D-La., pictured], chair of the Senate Committee on Small Business and Entrepreneurship, announced her intention to introduce an amendment that would offer businesses with Small Business Administration [SBA] disaster loans from the 2005 and 2008 hurricanes, interest relief of up to $15,000. Sen. Thad Cochran [R-Miss.] has indicated he intends to co-sponsor the measure.

"Businesses along the Gulf Coast have faced some of the worst disasters this country has ever seen," Sen. Landrieu said. "To this day, many of these businesses are struggling to pay down loans made from the hurricanes in 2005 and 2008.

"Now, they are being faced with another disaster that is threatening their way of life once again. With the oil spill in the Gulf of Mexico impacting businesses in Louisiana and along the entire Gulf Coast, we have the opportunity to offer some relief.

"This amendment allows the SBA to offer interest relief to small businesses with existing loans. It is my hope that this amendment will be adopted quickly when the full Senate considers the Supplemental next week."

The proposal would apply to disaster loans made after Hurricanes Katrina, Rita, Gustav and Ike. SBA would be required to prioritize applications for businesses with 50 employees or less, and businesses impacted by the BP oil spill. Businesses would still be responsible for the principal and the remaining interest of their loans. According to loan data from the SBA, this program could potentially help up to 12,000 businesses.

This amendment is similar to a bill, S. 2986, the Southeast Hurricanes Small Business Disaster Relief Act of 2010 -- introduced by Sens. Landrieu, Cochran and Roger Wicker [R-Miss.] -- which was endorsed by the U.S. Chamber of Commerce this week. To read the letter of endorsement, go to: http://bit.ly/Chamber2986.

GoodBiz113's Take
What's good for America's 27.2 million small businesses is good for the entire country -- especially since we create 60-80 percent of all new jobs here.

Sen. Landrieu's proposal will help small businesses impacted by myriad forms of disaster, and deserves swift action -- before the next oil spill, hurricane, tornado, wildfire, etc., brings livelihoods to a far-reaching halt.

SOURCES: GovTrack, U.S. Senate Committee on Small Business and Entrepreneurship
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