SBA Urges Disaster Survivors to Beware of Recovery Scams

The U.S. Small Business Administration is urging disaster victims seeking federal aid to be alert to scam artists posing as federal officials, and to be cautious about any solicitations for fees to perform services that are available from federal agency staff for free.

In the wake of widespread flooding, wildfires and tornadoes in many areas across the country over the past few months, the SBA is particularly concerned about flyers that have appeared in tornado-damaged areas asking for non-refundable fees of up to $450 to help disaster victims fill out their loan applications, and as much as $1,000 to verify losses and file loan applications.

Federal agencies involved in disaster recovery will never ask for a fee or payment to file an application for financial assistance, or to inspect damaged property.

"Historically, natural disasters bring out the very best in people, and there are countless stories of the selfless acts of helpful neighbors and volunteers," said SBA Administrator Karen Mills [pictured]. "Unfortunately, in the past, we have also seen individuals who attempt to take advantage of people who need assistance. Disaster survivors should be vigilant in protecting their personal assets, particularly in the stressful environment of a disaster recovery.

"The SBA will not tolerate the defrauding of those who have already lost so much in the aftermath of these devastating disasters. Those who are found taking advantage of disaster victims will be prosecuted to the fullest extent provided by law."

If you suspect a person is posing as a local or federal agent, or encounter what you believe are fraudulent activities connected with disaster relief operations, contact your local law enforcement officials; phone the toll-free National Disaster Fraud Hotline at 866-720-5721; or, send an e-mail to disaster@leo.gov. The phone line is staffed by a live operator 24 hours a day, seven days a week.

To register for federal help after a disaster declaration, visit www.DisasterAssistance.gov; or, call FEMA at 800-621-3362 [800-426-7585 for the speech- or hearing-impaired].

Disaster survivors may also visit one of the local recovery centers to get help with filing for assistance. To get help with the disaster loan application, contact the SBA by e-mail at disastercustomerservice@sba.gov; or, by calling 800-659-2955 [800-877-8339 for those with speech or hearing disabilities].

Those affected by recent disasters may also file a loan application online by visiting SBA’s secure website at https://disasterloan.sba.gov/ela/.

The SBA makes low-interest, taxpayer-backed disaster loans to homeowners, renters, businesses and nonprofit organizations of all sizes. More information about SBA's disaster assistance program is available at www.sba.gov/disasterassistance.

SOURCE: U.S. Small Business Administration
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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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May 17: SBA and Agility Recovery to Host Webinar on Hurricane Season Business Preparedness

The devastating effects of a hurricane extend beyond the coastal areas where the storms land. In recent years, we’ve seen how the impact of storm surge -- which is the indirect damage from water and flying debris -- inflicts collateral damage on small businesses in a surprisingly widespread area.

The 2011 mid-Atlantic hurricane season begins June 1. Is your business prepared for a possible shutdown on the heels of the infrastructure collapse that usually follows a major storm?

Get tips on protecting your customers, employees and your investment during a free webinar on May 17, from 2:00 to 3:00 p.m. EDT.

Hosted by Agility Recovery Solutions and the U.S. Small Business Administration, "Protecting Your Business This Hurricane Season" will feature Weather Services International Senior Meteorologist Ben Papandrea, who will present the 2011 Hurricane Season forecast. Paul Sullivan, a vice president for Agility Recovery Solutions, will share best practices towards preparing your company for disasters. A question-and-answer session will follow.

Space is limited for this event. To register visit https://www1.gotomeeting.com/register/204235769.

SBA has partnered with Agility Recovery Solutions to offer business continuity strategies for entrepreneurs via their “PrepareMyBusiness” website. Visit www.preparemybusiness.org to access previous webinars and for more preparedness tips.

Since 1953, the SBA has provided more than $48 billion in disaster recovery funds to 1.9 million homeowners, renters and businesses of all sizes in the form of low-interest loans. To learn more about the disaster assistance program, visit www.sba.gov/disaster.

SOURCES: Agility Recovery Solutions, U.S. Small Business Administration
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SBA Unveils New Website, Launches SBA Direct -- a Tool Delivering Personalized and Targeted Resources

As part of the U.S. Small Business Administration’s mission to ensure that small-business owners and entrepreneurs have access to accurate, timely and helpful information, SBA Administrator Karen Mills [pictured] today unveiled a newly redesigned SBA website.

The new site also features the launch of SBA Direct, a dynamic new Web tool with a variety of personalization features that will help small businesses start up, succeed and grow.

"With the launch of the new SBA.gov," said Mills, "we have reached a significant milestone in how the agency has evolved in using interactive Web tools, social media and blogs to engage with, and better meet, the needs of small-business owners.

"While the SBA website has traditionally been an information-rich site, we wanted to make it easier for small-business owners to navigate. With the new and improved SBA.gov, business owners can access the answers they need -- specific to their business profile -- in an instant. It truly presents the face of the future of SBA."

While the site features a variety of enhancements -- including a full redesign, new content and improved navigation -- the centerpiece is a dynamic new Web tool called SBA Direct.

SBA Direct allows visitors to personalize their browsing experience according to their business type, geography and needs. SBA Direct then delivers relevant and targeted information on all aspects of running a business; e.g., steps involved in getting started, business growth strategies, how to stay compliant with current laws and regulations.

SBA Direct also provides information on the available SBA programs that can help businesses succeed -- such as financial assistance; exporting and government contracting opportunities; and counseling and training.

"Transforming the SBA into a proactive, responsive and 'customer-centric' organization that better serves the needs of the nation’s more than 29 million small businesses is an exciting, yet enormous, effort," said Mills.

"We’ve made significant progress," Mills added. "The new SBA.gov is just one example among many -- including record growth capital financing, expedited loan approvals and the acceleration of disaster assistance resources and funds -- of how SBA has, and will continue, to support the growth of small businesses and job creation.”

Other new features to the website include:
* SBA’s small-business search that improves the accuracy and relevancy of search results -- saving time and frustration.
* Improved navigation that gives users one-click access to the information they need. Combined with the personalization features of SBA Direct, users no longer have to mine through pages of information to find answers.
* Integration of Business.gov content -- including a variety of guides and tools that collate information from across government agencies to help business owners comply with laws and regulations, and take advantage of government programs.
* Interactive, location-based maps that allow users to quickly find small-business resources in their area -- including local SBA offices, plus other sources of training and support.
* User-rated content gives visitors to the site-direct control in determining the most useful and relevant information to feature by small-business topic.

SBA’s commitment to using Web services to provide small businesses with greater access to the pool of government resources available began in 2006 with the launch of the award-winning Business.gov website; later, with the Business.gov Community initiative in 2009 [the first government-sponsored online community built specifically for small businesses]; and, more recently, with SBA’s own social-media presence on Twitter, Facebook and YouTube.

The new SBA.gov built on these achievements and best practices as a driver for its transformation. The project is also a flagship for the agency’s Open Government Plan, with the goal of building an online presence for SBA that is transparent, participatory and collaborative.

GoodBiz113's Take
SBA's new website is a vast improvement! It's far more user-friendly and visually appealing, and provides a wealth of at-a-glance links and info for small-business owners who are often too time-pressed to do much of anything besides focus on growing or launching their enterprises.

Once again, Administrator Mills and her team have delivered on their promise to actually help current and would-be small-biz owners easily navigate funding, contracting and counseling opportunities. Oh, and the unprecedented, "one-stop-shopping" transparency re agencywide staff contacts, Recovery Act-funded opportunities, congressional testimonies, etc., is also appreciated.

Kudos to all involved in effectively designing and developing this valuable resource. It epitomizes form and function for the small-business community and our stakeholders.

See for yourself. Take the two-and-a-half-minute tour of SBA's new website here.

SOURCE: U.S. Small Business Administration
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