SBA Disaster EIDL — Cook County Flood Declaration
SBA Economic Injury Disaster Loans (EIDL) are available to Cook County small businesses and nonprofits that suffered revenue losses from the July 25-28, 2025 storms and flooding. Physical damage loan applications have closed (deadline was June 2026); ECONOMIC INJURY applications remain open through January 25, 2027. Low fixed interest rate (4% for small businesses, 2.75% for nonprofits); up to 30-year terms.
Check an Address — Free Snapshot
Compare the geocoded point for a Chicago address with the boundary used to screen SBA Disaster EIDL — Cook County Flood Declaration. A match is a location signal; review the current program source for the boundary's role and remaining criteria.
Published criteria — confirm with U.S. Small Business Administration — Disaster Assistance
- Business or nonprofit in Cook County (declared disaster area for July 25-28, 2025 storms)
- Small business, small agricultural cooperative, or private nonprofit
- Must demonstrate economic injury (lost revenue/working capital) from the declared disaster event
SBA Disaster EIDL — Cook County Flood Declaration is administered at the federal level. Depending on the program, eligibility may depend on the specific location, property type, or business activity rather than a single drawn boundary.
Boundaries are precise and change over time, so whether a specific address falls inside a mapped zone always depends on that exact address. The fastest way to check is to run a free snapshot for the parcel you have in mind — mapped coverage is a location signal, not an eligibility determination.
Range on file · Up to $2M at 4% (small business) or 2.75% (nonprofit), up to 30-year term
Current published terms as of 2026-07-02
- +Up to $2 million in low-interest federal disaster loans
- +4% fixed interest rate for small businesses; 2.75% for nonprofits
- +Up to 30-year loan terms
- +Working capital to cover normal business operating expenses
- +No collateral required for loans up to $25,000
- +Can be used for fixed debts, payroll, accounts payable, other expenses
Application timing can change. Verify current availability and instructions with the administering agency before relying on this program.
Verify current status on the official source- SBA loan application (Form 5 for businesses)
- 3 years of federal tax returns (business and personal)
- Schedule of Liabilities (SBA Form 2202)
- Personal financial statement (SBA Form 413)
- Monthly sales figures before and after the disaster
This page is a starting point, not eligibility, legal, or tax advice. Verify current requirements, deadlines, and boundaries with the administering agency before applying or spending money — program rules and funding change over time.
- Phone
- (800) 659-2955
- Web
- Visit site ↗
Last verified 2026-07-02
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