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Get the free Application for Community Disaster Loan (CDL) Program - gpo

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This document provides a framework for state, local, and tribal governments impacted by a major disaster or emergency to apply for a Community Disaster Loan, helping them maintain governmental functions
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How to fill out application for community disaster

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How to fill out Application for Community Disaster Loan (CDL) Program

01
Obtain the Application for Community Disaster Loan (CDL) Program form from the official website or local government office.
02
Read through the instructions carefully to understand the requirements and eligibility.
03
Fill out the applicant information section with your organization's name, address, contact information, and other relevant details.
04
Provide a brief description of the disaster that prompted the application.
05
Document the financial impact of the disaster on your community or organization, including lost revenues and increased expenses.
06
Include supporting documentation, such as financial statements and disaster recovery plans.
07
Review the application for accuracy and completeness before submission.
08
Submit the completed application to the designated reviewing agency via the specified method (online, mail, etc.).
09
Follow up with the agency if necessary to ensure your application is being processed.

Who needs Application for Community Disaster Loan (CDL) Program?

01
Local governments and municipalities that have suffered financial impacts due to a major disaster declaration.
02
Public safety agencies that require financial assistance to ensure community services are maintained post-disaster.
03
Organizations involved in emergency response and recovery efforts needing funding to sustain operations after a disaster.
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Homeowners can get a loan for up to $500,000 to repair or replace their primary residence, or to make structural improvements to lessen the impact of future disasters.
To qualify for an SBA disaster loan you must operate a business located within a declared disaster zone. This might include a city, county, state, or country depending on the nature of the disaster.
You have a low credit score However, the required value typically depends on which lender you choose and may not need to be as high when applying for a Disaster Loan. Unfortunately even under these circumstances, if you don't have great credit, you will most likely not receive an SBA loan.
You have a low credit score However, the required value typically depends on which lender you choose and may not need to be as high when applying for a Disaster Loan. Unfortunately even under these circumstances, if you don't have great credit, you will most likely not receive an SBA loan.
The funds can also be used to cover general operating expenses that otherwise would have been met, had the disaster not occurred. Though funding timelines can vary, the SBA strives to make loan decisions within one to three weeks. Once approved, the funds are typically distributed within five business days.
You may apply online at any time from the MySBA Loan Portal. To get direct help from SBA, you may apply in person at one of the centers below: FEMA Disaster Recovery Center (DRC) SBA Disaster Loan Outreach Center.

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The Application for Community Disaster Loan (CDL) Program is designed to provide financial assistance to local governments in the event of a disaster. It allows municipalities to apply for loans to cover operating costs that would otherwise be funded through regular revenue streams impacted by the disaster.
Local governments, including cities, towns, and counties that have experienced a disaster that has caused significant financial distress and loss of revenue, are required to file the Application for Community Disaster Loan (CDL) Program.
To fill out the Application for Community Disaster Loan (CDL) Program, applicants should gather necessary financial documents, complete the application form with accurate financial data, detail the impact of the disaster on their operations, and submit the application to FEMA, ensuring compliance with all required guidelines.
The purpose of the Application for Community Disaster Loan (CDL) Program is to help local governments maintain essential services and cover operating costs during the recovery period following a major disaster, ensuring that they can continue functioning despite reduced revenue.
The Application for Community Disaster Loan (CDL) Program must report information such as the applicant's financial condition prior to the disaster, the estimated revenue loss due to the disaster, projected expenses for the upcoming fiscal year, and details on how the loan will assist in maintaining essential services.
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