The SBA helps people and businesses after disasters by giving low-cost loans to fix homes, replace things, or recover from money loss. You don’t have to own a business to get help. SBA loans must be paid back, but they have low interest and delayed payments. Being referred to SBA by FEMA doesn’t mean you were denied FEMA help. SBA loans can also help make homes stronger for future disasters. Knowing how FEMA and SBA work together can help families recover faster and make better choices after a disaster.