SBA Economic Injury Disaster Loans Available to Texas Small Businesses and Private Nonprofits

WASHINGTON - The U.S. Small Business Administration (SBA) announced the availability of low-interest federal disaster loans to small businesses and private nonprofit (PNP) organizations in Texas to offset economic losses caused by adverse weather conditions.

The disaster declarations cover the counties below:

Declaration Number: TX-20069
Primary Counties: Collin, Grayson and Hunt
Neighboring Counties: Cooke, Dallas, Delta, Denton, Fannin, Hopkins, Kaufman, Rains, Rockwall and Van Zandt in Texas; Bryan, Love and Marshall in Oklahoma
Incident Type: Excessive Rain
Incident Date: March 21 - July 8, 2025
Deadline: Nov. 19, 2026

Declaration Number: TX-20070
Primary Counties: Ellis
Neighboring Counties: Dallas, Henderson, Hill, Johnson, Kaufman, Navarro and Tarrant in Texas
Incident Type: Excessive Rain, Flash Flooding, Hail, High Winds and Lightning
Incident Date: May 1 - June 30, 2025
Deadline: Nov. 19, 2026
Declaration Number: TX-20071
Primary Counties: Hill
Neighboring Counties: Bosque, Ellis, Johnson, Limestone, McLennan and Navarro in Texas
Incident Type: Excessive Rain, Hail and High Winds
Incident Date: May 2 - July 8, 2025
Deadline: Nov. 19, 2026

Declaration Number: TX-20072
Primary Counties: Lubbock
Neighboring Counties: Crosby, Floyd, Garza, Hale, Hockley, Lamb, Lynn and Terry in Texas
Incident Type: Tornado, Excessive Rain, Hail and High Winds
Incident Date: June 5 - 7, 2025
Deadline: Nov. 19, 2026

Declaration Number: TX-20073
Primary Counties: Hockley
Neighboring Counties: Bailey, Cochran, Hale, Lamb, Lubbock, Lynn, Terry and Yoakum in Texas
Incident Type: Tornado, Hail and High Winds
Incident Date: June 5 - 22, 2025
Deadline: Nov. 19, 2026

Declaration Number: TX-20074
Primary Counties: Terry
Neighboring Counties: Cochran, Dawson, Gaines, Hockley, Lubbock, Lynn and Yoakum in Texas
Incident Type: Excessive Rain and High Winds
Incident Date: May 23 - Nov. 28, 2025
Deadline: Nov. 19, 2026

Declaration Number: TX-20075
Primary Counties: San Patricio
Neighboring Counties: Aransas, Bee, Jim Wells, Live Oak, Nueces and Refugio in Texas
Incident Type: Drought
Incident Date: Jan. 1 - Dec. 30, 2025
Deadline: Nov. 19, 2026

Declaration Number: TX-20076
Primary Counties: Runnels
Neighboring Counties: Coke, Coleman, Concho, Nolan, Taylor and Tom Green in Texas
Incident Type: Drought and Excessive Heat
Incident Date: July 15 - Dec. 30, 2025
Deadline: Nov. 19, 2026

Under these declarations, SBA's Economic Injury Disaster Loan (EIDL) program is available to small businesses, small agricultural cooperatives, nurseries, and PNPs including faith-based organizations with financial losses directly related to the disaster. The SBA is unable to provide disaster loans to agricultural producers, farmers, or ranchers, except for small aquaculture enterprises.

EIDLs are available for working capital needs caused by the disaster and are available even if the small business or PNP did not suffer any physical damage. The loans may be used to pay fixed debts, payroll, accounts payable and other bills not paid due to the disaster.

"Through a declaration by the U.S. Secretary of Agriculture, SBA provides critical financial assistance to help communities recover," said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. "We're pleased to offer loans to small businesses and private nonprofits impacted by these disasters." 

The loan amount can be up to $2 million with interest rates as low as 4% for businesses and 3.625% for PNPs, with terms up to 30 years. Interest does not accrue, and payments are not due until 12 months from the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant's financial condition.

To apply online, visit sba.gov/disaster. Applicants may also call SBA's Customer Service Center at (800) 659-2955 or email [email protected] for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.

Submit completed loan applications to the SBA no later than Nov. 19.

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About the U.S. Small Business Administration

The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit https://www.sba.gov.