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 <title>Small Business Owners Affected By Hurricane Harvey&#58; There is Help For You!
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itemtype="http://schema.org/NewsArticle" itemscope tabindex="-1" data-li-main-content><header id="article-header" role="banner"><figure role="presentation" class="article-banner-image-wrapper" itemprop="image" itemscope itemtype="http://schema.org/ImageObject"><div class="article-banner-slate"><img src="https://media-exp2.licdn.com/mpr/mpr/AAEAAQAAAAAAAAw7AAAAJGFlZTA3ZWJmLWZkNDItNDNkNC05ODZmLWNkMTg4MTQwZWE3Mw.jpg" alt="" class="article-banner-image" itemprop="contentUrl"></div><figcaption itemprop="caption">Image Courtesy of www.nbcnewyork.com</figcaption></figure><h1 class="article-title" itemprop="headline">Small Business Owners Affected By Hurricane Harvey: There is Help For You!</h1><ul class="article-meta"><li>Published on <time itemprop="datePublished" datetime="2017-08-28">August 28, 2017</time></li></ul><div class="article-author-wrapper"><section id="social-stats"></section><figure class="entity-image entity-image-user"><a href="https://www.linkedin.com/in/shavonnahrobertsschreiber" rel="author"><img src="https://media-exp2.licdn.com/mpr/mpr/shrink_200_200/AAEAAQAAAAAAAA2VAAAAJGMyZTM4Nzg5LWIzNzYtNDc1Mi1hOTRiLTM2OTI2MzFmMmFmOA.jpg" alt="Shavonnah Schreiber"></a></figure><div class="entity-content"><h2 class="entity-name" itemprop="author creator" itemscope itemtype="http://schema.org/Person"><a href="https://www.linkedin.com/in/shavonnahrobertsschreiber" rel="author"><span itemprop="name">Shavonnah Schreiber</span></a><span class="follow-action"><div class="tooltip-wrapper"><button class="button-follow button-link  tooltip-trigger"><span class="text text-default">Follow</span><span class="text text-active">Following</span><span class="text text-active-hover">Unfollow</span><span class="accessible-text">Shavonnah Schreiber</span></button><p class="tooltip tooltip-follow" role="tooltip">Sign in to follow this author</p></div></span></h2><h3 class="entity-headline">Marketer. Leader. Speaker. Connector. Learner.</h3></div></div></header><div class="prose" itemprop="articleBody"><p> The U.S. Small Business Administration Can Help Your Business Recover &amp; Rebuild </p> 
<p>As Texas grapples with the devastation of Hurricane Harvey, I am reminded that when natural disasters occur many people only see the personal side of the storm – families dealing with evacuations, loss of property and damage that will take weeks and maybe months to repair- all of which is heartbreaking and should definitely be front and center.</p> 
<p>However, I do believe there is another very important <strong>side of the natural disaster story that is not often told is that of the small business owner.</strong> In addition to dealing with the damage and disruption of their personal lives, small business owners are also likely thinking, “<em>What will this mean for my business?”</em> or “<em>Will I even be able to stay in business after this?”</em></p> 
<p>According to the US Small Business Administration, a small business is any business that has less than 500 employees.</p> 
<p><a href="https://www.census.gov/data/tables/2014/econ/susb/2014-susb-annual.html" target="_blank" rel="nofollow noopener">According to U.S. Census Bureau data</a> , in 2014 there were 5.83 million businesses in the United States.</p> 
<ul> 
 <li>&nbsp;Firms with fewer than 500 workers accounted for 99.7 percent of those businesses. </li> 
 <li>&nbsp;Firms with less than 20 workers made up 89.4 percent of businesses. </li> 
 <li>&nbsp;Among employer C Corporations in 2014, 85.0 percent had fewer than 20 employees, and 99.0 percent had less than 500 workers.</li> 
</ul> 
<p>All that said, “small businesses” are really “big business” and in many ways the lifeblood of the U.S. economy. So when small businesses suffer, the overall economy suffers as well.&nbsp;Many people are familiar with the <a href="https://www.fema.gov/apply-assistance" target="_blank" rel="nofollow noopener">FEMA</a> resources available for personal property damage and loss, but many are not aware that there is federal assistance available for business. </p> 
<p>Here are some high-level facts about U.S. Small Business Administration (SBA) Disaster loans:</p> 
<ul> 
 <li>The disaster loan is intended to help you return your property to its pre-disaster condition. Normally, SBA funds cannot be used to expand or upgrade a business. If, however, city or county building codes require such upgrading, then you can use the SBA loan for that.</li> 
 <li>The SBA can refinance all or part of prior mortgages, evidenced by a recorded lien, when the applicant: 1) does not have credit available elsewhere; 2) has suffered substantial, uncompensated disaster damage (40 percent or more of the value of the property); and 3) intends to repair the damage.</li> 
 <li>If your business has been completely destroyed, in certain circumstances, limited relocation costs can be included in the loan amount. </li> 
 <li>Besides the damage to property, SBA disaster loans can cover&nbsp;economic losses if (1) your business qualifies as small as defined by the SBA (private, non-profit organizations of any size are eligible), and (2) you and your business or private, non-profit organization do not have credit available elsewhere. <strong>The maximum amount the applicant and any affiliates may borrow for any one disaster is limited to $2.0 million for both physical damage and economic injury combined.</strong></li> 
</ul> 
<p>For more information on SBA Disaster loans, visit <a href="https://disasterloan.sba.gov/ela/" target="_blank" rel="nofollow noopener"><strong>https://disasterloan.sba.gov/ela/</strong></a></p></div><div id="floating-share-button"></div><div class="article-content-footer"><div id="social-actions"></div></div><footer id="article-footer" role="contentinfo" class="article-author-wrapper article-author-footer"><div class="entity-actions" id="entity-actions-footer"><div class="tooltip-wrapper"><button class="button-follow button-secondary-medium  tooltip-trigger"><span class="text text-default">Follow</span><span class="text text-active">Following</span><span class="text text-active-hover">Unfollow</span><span class="accessible-text">Shavonnah Schreiber</span></button><p class="tooltip tooltip-follow" role="tooltip">Sign in to follow this author</p></div></div><figure class="entity-image entity-image-user"><a href="https://www.linkedin.com/in/shavonnahrobertsschreiber" ><img src="https://media-exp2.licdn.com/mpr/mpr/shrink_200_200/AAEAAQAAAAAAAA2VAAAAJGMyZTM4Nzg5LWIzNzYtNDc1Mi1hOTRiLTM2OTI2MzFmMmFmOA.jpg" alt="Shavonnah Schreiber"></a></figure><div class="entity-content"><h2 class="entity-name" ><a href="https://www.linkedin.com/in/shavonnahrobertsschreiber" >Shavonnah Schreiber</a></h2><h3 class="entity-headline">Marketer. Leader. Speaker. Connector. Learner.</h3><ul class="entity-counts"><li><a href="/today/author/shavonnahrobertsschreiber"><span class="count">4</span> articles</a></li></ul></div></footer><section id="related-content-vertical-list"></section><section id="comments"></section><section id="related-content-horizontal-images"></section><section id="top-content"></section><section class="article-end"><h3>Looking for more of the latest headlines on LinkedIn?</h3><a href="/" class="button-primary-medium">Discover more stories</a></section></article></div></div><div id="content-modal"></div><footer id="content-footer"></footer><code id="embedded-article-json" style="display: none;"><!--{"author":{"headline":"Marketer. Leader. Speaker. Connector. Learner.","name":"Shavonnah Schreiber","totalDrafts":0,"image":{"width":200,"url":"https://media-exp2.licdn.com/mpr/mpr/shrink_200_200/AAEAAQAAAAAAAA2VAAAAJGMyZTM4Nzg5LWIzNzYtNDc1Mi1hOTRiLTM2OTI2MzFmMmFmOA.jpg","height":200},"isInfluencer":false,"pivotUrl":"https://www.linkedin.com/pulse-fe/api/v1/pivot?memberToken=CwEAAAFhj0m4QaIka0_3ZQa8i5S655IlDwLO6dgE-lBNcXcesgcSTg2atW9epA","totalFollowings":0,"publicProfileUrl":"https://www.linkedin.com/in/shavonnahrobertsschreiber","totalConnections":2148,"industryUrn":"urn:li:industry:80","totalFollowers":0,"lastName":"Schreiber","firstName":"Shavonnah","followableEntityUrl":"https://www.linkedin.com/pulse-fe/api/v1/followableEntity?vanityName=shavonnahrobertsschreiber","entityType":"MEMBER","urn":"urn:li:member:23616115","vanityName":"shavonnahrobertsschreiber","isFollowing":false,"totalPosts":4,"canFollow":true,"memberToken":"CwEAAAFhj0m4QaIka0_3ZQa8i5S655IlDwLO6dgE-lBNcXcesgcSTg2atW9epA"},"pubArticleUrn":"urn:li:linkedInArticle:6308051698657136640","permalink":"small-business-owners-affected-hurricane-harvey-help-you-schreiber","ampUrl":"","url":"https://www.linkedin.com/pulse/small-business-owners-affected-hurricane-harvey-help-you-schreiber","isLowQuality":false,"domain":"linkedin.com","isDraft":false,"commentsState":"OPEN","isCrawler":false,"articleContent":"\u003cp\u003e The U.S. Small Business Administration Can Help Your Business Recover &amp; Rebuild \u003c/p\u003e \n\u003cp\u003eAs Texas grapples with the devastation of Hurricane Harvey, I am reminded that when natural disasters occur many people only see the personal side of the storm – families dealing with evacuations, loss of property and damage that will take weeks and maybe months to repair- all of which is heartbreaking and should definitely be front and center.\u003c/p\u003e \n\u003cp\u003eHowever, I do believe there is another very important \u003cstrong\u003eside of the natural disaster story that is not often told is that of the small business owner.\u003c/strong\u003e In addition to dealing with the damage and disruption of their personal lives, small business owners are also likely thinking, “\u003cem\u003eWhat will this mean for my business?”\u003c/em\u003e or “\u003cem\u003eWill I even be able to stay in business after this?”\u003c/em\u003e\u003c/p\u003e \n\u003cp\u003eAccording to the US Small Business Administration, a small business is any business that has less than 500 employees.\u003c/p\u003e \n\u003cp\u003e\u003ca href=\"https://www.census.gov/data/tables/2014/econ/susb/2014-susb-annual.html\" target=\"_blank\" rel=\"nofollow noopener\"\u003eAccording to U.S. Census Bureau data\u003c/a\u003e , in 2014 there were 5.83 million businesses in the United States.\u003c/p\u003e \n\u003cul\u003e \n \u003cli\u003e&nbsp;Firms with fewer than 500 workers accounted for 99.7 percent of those businesses. \u003c/li\u003e \n \u003cli\u003e&nbsp;Firms with less than 20 workers made up 89.4 percent of businesses. \u003c/li\u003e \n \u003cli\u003e&nbsp;Among employer C Corporations in 2014, 85.0 percent had fewer than 20 employees, and 99.0 percent had less than 500 workers.\u003c/li\u003e \n\u003c/ul\u003e \n\u003cp\u003eAll that said, “small businesses” are really “big business” and in many ways the lifeblood of the U.S. economy. So when small businesses suffer, the overall economy suffers as well.&nbsp;Many people are familiar with the \u003ca href=\"https://www.fema.gov/apply-assistance\" target=\"_blank\" rel=\"nofollow noopener\"\u003eFEMA\u003c/a\u003e resources available for personal property damage and loss, but many are not aware that there is federal assistance available for business. \u003c/p\u003e \n\u003cp\u003eHere are some high-level facts about U.S. Small Business Administration (SBA) Disaster loans:\u003c/p\u003e \n\u003cul\u003e \n \u003cli\u003eThe disaster loan is intended to help you return your property to its pre-disaster condition. Normally, SBA funds cannot be used to expand or upgrade a business. If, however, city or county building codes require such upgrading, then you can use the SBA loan for that.\u003c/li\u003e \n \u003cli\u003eThe SBA can refinance all or part of prior mortgages, evidenced by a recorded lien, when the applicant: 1) does not have credit available elsewhere; 2) has suffered substantial, uncompensated disaster damage (40 percent or more of the value of the property); and 3) intends to repair the damage.\u003c/li\u003e \n \u003cli\u003eIf your business has been completely destroyed, in certain circumstances, limited relocation costs can be included in the loan amount. \u003c/li\u003e \n \u003cli\u003eBesides the damage to property, SBA disaster loans can cover&nbsp;economic losses if (1) your business qualifies as small as defined by the SBA (private, non-profit organizations of any size are eligible), and (2) you and your business or private, non-profit organization do not have credit available elsewhere. \u003cstrong\u003eThe maximum amount the applicant and any affiliates may borrow for any one disaster is limited to $2.0 million for both physical damage and economic injury combined.\u003c/strong\u003e\u003c/li\u003e \n\u003c/ul\u003e \n\u003cp\u003eFor more information on SBA Disaster loans, visit \u003ca href=\"https://disasterloan.sba.gov/ela/\" target=\"_blank\" rel=\"nofollow noopener\"\u003e\u003cstrong\u003ehttps://disasterloan.sba.gov/ela/\u003c/strong\u003e\u003c/a\u003e\u003c/p\u003e","commentingDisabled":false,"editor":false,"canShowParsedContent":true,"saved":false,"fullTextWithMarkup":"\u003cp\u003e The U.S. Small Business Administration Can Help Your Business Recover &amp; Rebuild \u003c/p\u003e \n\u003cp\u003eAs Texas grapples with the devastation of Hurricane Harvey, I am reminded that when natural disasters occur many people only see the personal side of the storm – families dealing with evacuations, loss of property and damage that will take weeks and maybe months to repair- all of which is heartbreaking and should definitely be front and center.\u003c/p\u003e \n\u003cp\u003eHowever, I do believe there is another very important \u003cstrong\u003eside of the natural disaster story that is not often told is that of the small business owner.\u003c/strong\u003e In addition to dealing with the damage and disruption of their personal lives, small business owners are also likely thinking, “\u003cem\u003eWhat will this mean for my business?”\u003c/em\u003e or “\u003cem\u003eWill I even be able to stay in business after this?”\u003c/em\u003e\u003c/p\u003e \n\u003cp\u003eAccording to the US Small Business Administration, a small business is any business that has less than 500 employees.\u003c/p\u003e \n\u003cp\u003e\u003ca href=\"https://www.census.gov/data/tables/2014/econ/susb/2014-susb-annual.html\" target=\"_blank\" rel=\"nofollow noopener\"\u003eAccording to U.S. Census Bureau data\u003c/a\u003e , in 2014 there were 5.83 million businesses in the United States.\u003c/p\u003e \n\u003cul\u003e \n \u003cli\u003e&nbsp;Firms with fewer than 500 workers accounted for 99.7 percent of those businesses. \u003c/li\u003e \n \u003cli\u003e&nbsp;Firms with less than 20 workers made up 89.4 percent of businesses. \u003c/li\u003e \n \u003cli\u003e&nbsp;Among employer C Corporations in 2014, 85.0 percent had fewer than 20 employees, and 99.0 percent had less than 500 workers.\u003c/li\u003e \n\u003c/ul\u003e \n\u003cp\u003eAll that said, “small businesses” are really “big business” and in many ways the lifeblood of the U.S. economy. So when small businesses suffer, the overall economy suffers as well.&nbsp;Many people are familiar with the \u003ca href=\"https://www.fema.gov/apply-assistance\" target=\"_blank\" rel=\"nofollow noopener\"\u003eFEMA\u003c/a\u003e resources available for personal property damage and loss, but many are not aware that there is federal assistance available for business. \u003c/p\u003e \n\u003cp\u003eHere are some high-level facts about U.S. Small Business Administration (SBA) Disaster loans:\u003c/p\u003e \n\u003cul\u003e \n \u003cli\u003eThe disaster loan is intended to help you return your property to its pre-disaster condition. Normally, SBA funds cannot be used to expand or upgrade a business. If, however, city or county building codes require such upgrading, then you can use the SBA loan for that.\u003c/li\u003e \n \u003cli\u003eThe SBA can refinance all or part of prior mortgages, evidenced by a recorded lien, when the applicant: 1) does not have credit available elsewhere; 2) has suffered substantial, uncompensated disaster damage (40 percent or more of the value of the property); and 3) intends to repair the damage.\u003c/li\u003e \n \u003cli\u003eIf your business has been completely destroyed, in certain circumstances, limited relocation costs can be included in the loan amount. \u003c/li\u003e \n \u003cli\u003eBesides the damage to property, SBA disaster loans can cover&nbsp;economic losses if (1) your business qualifies as small as defined by the SBA (private, non-profit organizations of any size are eligible), and (2) you and your business or private, non-profit organization do not have credit available elsewhere. \u003cstrong\u003eThe maximum amount the applicant and any affiliates may borrow for any one disaster is limited to $2.0 million for both physical damage and economic injury combined.\u003c/strong\u003e\u003c/li\u003e \n\u003c/ul\u003e \n\u003cp\u003eFor more information on SBA Disaster loans, visit \u003ca href=\"https://disasterloan.sba.gov/ela/\" target=\"_blank\" rel=\"nofollow noopener\"\u003e\u003cstrong\u003ehttps://disasterloan.sba.gov/ela/\u003c/strong\u003e\u003c/a\u003e\u003c/p\u003e","authorTwitterHandle":"ShavonnahSNRC","originalAuthor":false,"entityType":"ARTICLE","canonicalUrl":"https://www.linkedin.com/pulse/small-business-owners-affected-hurricane-harvey-help-you-schreiber","urn":"urn:li:article:8540391615522534085","publishedDate":1503957518000,"canonical":"https://www.linkedin.com/pulse/small-business-owners-affected-hurricane-harvey-help-you-schreiber","title":"Small Business Owners Affected By Hurricane Harvey: There is Help For You!","articleId":"8540391615522534085","noDisplayImage":"https://static-exp2.licdn.com/sc/p/com.linkedin.pulse-web%3Apulse-web-static-content%2B0.2.159/f/%2Fpulse-web-frontend%2Fimages%2Fwalter%2Farticle%2Fpublished_on_linkedin.png","isGuest":true,"images":[{"width":744,"caption":"Image Courtesy of www.nbcnewyork.com","url":"https://media-exp2.licdn.com/mpr/mpr/AAEAAQAAAAAAAAw7AAAAJGFlZTA3ZWJmLWZkNDItNDNkNC05ODZmLWNkMTg4MTQwZWE3Mw.jpg","height":400}],"updatedDate":1516721526000,"summary":"The U.S. Small Business Administration Can Help Your Business Recover & Rebuild As Texas grapples with the devastation of Hurricane Harvey, I am","displayImage":{"url":"https://media-exp2.licdn.com/mpr/mpr/shrinknp_400_400/AAEAAQAAAAAAAAw7AAAAJGFlZTA3ZWJmLWZkNDItNDNkNC05ODZmLWNkMTg4MTQwZWE3Mw.jpg"},"lq":false}--></code>
      
    
        
            




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