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Our private nonprofit agency represents small business owners in declared disaster areas in obtaining the Economic Injury Disaster Loan from the U.S. Small Business Administration. This working capital loan in amounts up to two million dollars has no payment or interest accrual for the first twelve months and after the 12-month deferment is amortized for up to 30 years at a fixed interest rate of 4.0%. Offered to companies unable to pay normal operating expenses due to the disaster the business does not have to sustain physical damage to be eligible for the program. The funding is based on economic injury rather than physical injury.