SBA OIG Report 26-13 at a glance: FY 2025 disaster assistance program data (Sept. 17, 2026)
Summary
A two-page SBA Office of Inspector General At a Glance summary of Report 26-13, dated September 2026, on SBA’s fiscal year (FY) 2025 disaster assistance program data. It states that as of January 13, 2026, SBA had approved 30,080 disaster loans and disbursed $1.7 billion of those approved loans (47 percent of the $3.6 billion), and that overall processing time averaged 15 days. SBA received 132,966 disaster loan applications for disasters declared in FY 2025, and the page lists declarations by type, totaling 476. Home loan applications averaged 11 days, business loans 21 days and EIDL applications 17 days, with 88 percent of applications processed in 31 days or less.
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“SBA OIG Report 26-13 at a glance: FY 2025 disaster assistance program data (Sept. 17, 2026).”
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Analysis of SBA’s Fiscal Year 2025
Disaster Assistance Program Data
AT A GLANCE | SEPTEMBER 2026
Following declared disasters such as hurricanes, floods, droughts, earthquakes, wildfires, and tornadoes, the U.S. Small
Business Administration (SBA) is authorized under section 7(b) of the Small Business Act to provide disaster assistance
loans that support both immediate relief and long-term economic recovery. The agency provides four kinds of low-
interest, fixed-rate disaster assistance loans:
What OIG Did
The Office of Inspector General (OIG) analyzed
fiscal year (FY) 2025 disaster assistance
response data across the 10 SBA regions —
focusing on the types of declarations and disasters,
volume of disaster loan applications, timeliness of
disaster loan application processing, and the
disbursement of disaster loans.
What OIG Found
We found that SBA administered the disaster assistance loan program
consistently across the nation. As of January 13, 2026, SBA had approved
30,080 disaster loans and disbursed $1.7 billion of those approved loans
(47 percent of the $3.6 billion). The overall processing time for disaster loan
applications — from submission to action — averaged 15 days. 1
1
OIG measures processing time from when an application is submitted until it is approved, declined, canceled, or withdrawn. In
contrast, SBA officials informed us that processing time is measured from when the agency accepts the application to approval,
decline, or withdrawal. The period between submission and acceptance generally includes risk verification and risk review, including
confirming the applicant’s identity and performing fraud checks, and it may also include time spent waiting for the applicant to submit
required documents.
Report 26-13 Page 1 of 2
Disaster Declarations
There are seven ways to declare a disaster. The number/percentage for each type issued in FY 2025 is shown below:
Number of Disaster Percentage of
Declaration Type Declarations Issued Total Declarations
Presidential–Individual Assistance 31 7%
Presidential–Public Assistance 62 13%
SBA Agency 57 12%
SBA Rural Agency 15 3%
Secretary of Agriculture 292 61%
Governor’s Certification 18 4%
Military Reservist Economic Injury Disaster Loan 1 0%
Total 476 100%
Disaster Loan Application Volume
SBA received 132,966 disaster loan applications for disasters declared in FY 2025: 2
71,540 home loan applications
28,210 business loan applications
33,216 EIDL applications
Timeliness of Disaster Loan Application Processing
SBA processed 88 percent of the applications in 31 days or less. Home loan applications were
processed the fastest, averaging 11 days, while business loans and EIDL applications took longer,
averaging 21 and 17 days, respectively. This is expected because business owners have a more
robust application process than home loan applicants.
Disaster Loan Disbursement
The average loan and disbursement amounts for homes, businesses, and EIDLs are shown below:
Loan Type Average Loan Amount Average Disbursed Amount
Home $142,953 $62,223
Business $128,890 $79,269
EIDL $73,845 $73,652
READ THE FULL REPORT: Visit our OIG Reports page to read the full report.
2
OIG was informed by SBA officials that during FY 2025, SBA also received disaster loan applications for disasters declared at the
end of FY 2024 if the declaration period extended into FY 2025. In total, SBA received 244,848 original disaster loan applications in
FY 2025.
Report 26-13 Page 2 of 2
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- Original
- legacy.sba.gov