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The U.S. Small Business Administration has established a Disaster Loan Outreach Center in Middlebury, Vermont, providing assistance to homeowners, renters, and business owners affected by a recent storm and flooding. The center offers support in applying for loans, with no fees to apply and deferred interest for the first year. The SBA is also available to help businesses with economic injury disaster loans. The center will be open for the next two weeks, providing in-person support to those who may find it easier to speak with a customer service representative face-to-face.

U.S. Small Business Administration Opens Disaster Loan Outreach Center in Middlebury

If you are a resident of Addison County in Vermont and have been affected by the July storm and flooding, the U.S. Small Business Administration (SBA) is here to offer assistance. The SBA has opened a Disaster Loan Outreach Center in Middlebury to provide support and guidance to homeowners, business owners, and renters who may be eligible for disaster loans. Whether you have questions about the loan application process or need help understanding the eligibility criteria, the outreach center is a valuable resource for those seeking assistance.

Center Location and Operating Hours

The Disaster Loan Outreach Center is conveniently located at 1590 Rt. 7 South in Middlebury. You can visit the center during its operating hours to get the assistance you need. The center is open from Monday to Friday, from 9 a.m. to 6 p.m., and on Saturdays from 10 a.m. to 2 p.m. However, it’s important to note that the center will only be open for the next two weeks, as it is scheduled to close permanently on October 3rd at 4 p.m. So make sure to plan your visit accordingly.

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Types of Loans Available

The SBA offers different types of loans to cater to the various needs of individuals affected by disasters. These loans include:

  • Homeowner Disaster Loans: If you are a homeowner who has suffered property losses or real estate losses due to the July storm and flooding, you may be eligible for a home disaster loan.
  • Business Disaster Loans: Business owners who have experienced financial losses, such as inventory or supply losses, can apply for business disaster loans to help recover and rebuild their businesses.
  • Nonprofit Disaster Loans: Nonprofit organizations that have been impacted by the disaster can apply for nonprofit disaster loans to support their recovery efforts.

No matter your situation, there is a loan option available to help you through this challenging time.

Eligibility Criteria

To qualify for an SBA disaster loan, you must meet certain eligibility criteria. Here are the main categories of individuals who may be eligible:

  • Homeowners: Homeowners who have suffered property losses or real estate losses due to the July storm and flooding can apply for assistance.
  • Business Owners: If you are a business owner who has experienced financial losses, such as inventory or supply losses, you may be eligible for a loan.
  • Renters: Even if you are a renter who lost personal belongings or incurred additional living expenses due to the disaster, you may still qualify for assistance.
  • July Storm and Flooding Affected Individuals: If you have been directly affected by the July storm and flooding in any capacity, whether as a homeowner, business owner, or renter, you may be eligible for an SBA loan.

It is important to review the specific eligibility criteria for each loan type to determine your eligibility.

Loan Application Process

Applying for an SBA disaster loan is a straightforward process that begins with submitting your application. Here’s an overview of the loan application process:

  1. Application Submission: To apply for a disaster loan, you must complete and submit the SBA loan application form. This can be done online through the SBA’s secure application portal or in person at the Disaster Loan Outreach Center in Middlebury.

  2. Documentation Requirements: Along with your application, you will need to submit supporting documents to verify your eligibility and the extent of your losses. These may include income tax returns, financial statements, and other relevant documentation.

  3. Review and Approval Process: Once your application is submitted, it will go through a review process to determine your eligibility and loan amount. The SBA will carefully assess your financial situation and any supporting documents provided. If your application is approved, you will receive a loan offer outlining the terms and conditions of the loan.

It is important to note that the loan application process may take time, so it is advisable to start as soon as possible to ensure timely assistance.

Benefits of SBA Loans

SBA loans offer several benefits to individuals affected by disasters. Here are some of the key advantages of SBA loans:

  • No Application Fee: Unlike some loans, there is no fee to apply for an SBA disaster loan. This means you can explore your options without incurring any upfront costs.
  • Deferred Interest for the First Year: One of the significant benefits of SBA loans is the deferred interest for the first year. This means that if you are awarded a loan, you will not have to make any interest payments during the first year, providing you with some breathing space as you recover from the disaster.
  • Low-Interest Rates: SBA loans come with competitive, low-interest rates, which can help make repayment more manageable for borrowers.
  • Long Loan Terms: Another advantage of SBA loans is the long repayment terms. Depending on the loan type and purpose, loan terms can be up to 30 years, allowing borrowers to spread out their payments and make them more affordable.

These benefits make SBA loans an attractive option for individuals seeking financial assistance after a disaster.

Customer Support and Assistance

The SBA understands that navigating the loan application process can be daunting, and that’s why they provide excellent customer support and assistance to applicants. Here’s how they can help:

  • In-Person Customer Service: The Disaster Loan Outreach Center in Middlebury offers in-person customer service, allowing individuals to speak directly with a customer service representative. This can be especially helpful for those who prefer face-to-face consultations.
  • Face-to-Face Consultations: During your visit to the outreach center, you can have face-to-face consultations with SBA representatives. They will be available to answer your questions, provide guidance, and clarify any concerns you may have about the loan application process.
  • Answering Questions and Concerns: Whether you have specific questions about eligibility criteria, required documentation, or the overall loan process, the SBA’s customer service team is there to help. They will ensure you have a clear understanding of the loan application process and help address any concerns you may have.

The support and assistance provided by the SBA can make the loan application process more manageable and ensure that you have all the information you need to make informed decisions.

Differences Between SBA and FEMA Assistance

It is important to note that SBA loans differ from FEMA grants. Here are some key differences to keep in mind:

  • SBA Loans vs. FEMA Grants: While the SBA offers loans, FEMA primarily provides grants. Loans must be repaid, while grants are typically considered as assistance that does not require repayment.
  • Loan vs. Grant Terms and Conditions: SBA loans come with specific terms and conditions, including interest rates and repayment terms. Grants, on the other hand, do not have the same repayment requirements.

It is essential to understand the distinctions between SBA loans and FEMA assistance to make informed decisions about the type of assistance that best suits your needs.

Loan Repayment Terms

Understanding the loan repayment terms is crucial when considering an SBA loan. Here are some key points to note:

  • Repayment Start Date: The repayment start date for SBA loans will vary depending on several factors, including the loan type and borrower’s specific circumstances. However, generally, borrowers do not have to start repaying the loan until month 13.
  • Interest Rates for Businesses and Nonprofits: SBA loans offer favorable interest rates, making repayment more affordable. For businesses, the interest rate is typically 4%, while nonprofits can benefit from an even lower interest rate of 2.375%.

It is important to carefully review the loan offer and fully understand the repayment terms before accepting the loan.

Application Deadline

To ensure that you don’t miss out on the opportunity to apply for an SBA loan, make note of the application deadline. For property damage loans related to the July storm and flooding, the application deadline is November 13th. It is crucial to complete and submit your application before the deadline to be considered for assistance.


The U.S. Small Business Administration’s Disaster Loan Outreach Center in Middlebury provides valuable support to individuals affected by the July storm and flooding. Whether you are a homeowner, business owner, or renter, the SBA is here to offer assistance in the form of low-interest loans. From the convenience of the outreach center to the in-person customer service and the deferred interest for the first year, there are several advantages to seeking an SBA loan. Take advantage of the center’s operating hours, review the eligibility criteria, and gather the necessary documentation to start your loan application process. Remember, the SBA is here to help you navigate these challenging times and provide the financial support needed to rebuild and recover.


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