The November 28, 2012 episode of BlogTalkRadio with Brian Cohen covers the various loans and resources that are being made available, and discusses exactly what you need to do if you have incurred a loss due to Hurricane Sandy.
Listen to Edward Gregory Dawson, Public Affairs Specialist
Field Operations Center- East for the Small Business Administration
Gloria Glowacki, Associate Regional Director, Stony Brook SBDC, who brings "an expansive background of over thirty years in new business development, small business advocacy, and sales and marketing initiatives to her responsibilities over the past 17 years at the SBDC."
I learned a lot! For instance, there is a December 31, 2012 deadline for some loans, but a July 31, 2013 deadline for economic injury loans, because it takes a while ascertain economic injury.
The FEMA loans don't require a specific credit score, and can be done online, though SBDC assistance is available, and suggested to ease the process. However, the Empire Loan of $25,000 requires a credit score of 650, and must go through the SBDC; there's no payment due in the first sixth months, and interest only in month seven.
Contact any local NYS SBDC office, as the folks there are trained in all of these products.
FEMA - 800 621-3362
SBA - 800 659-2955; SBA disaster loan page.