{"ok":true,"canonical_url":"https://dealroom.so/glossary/disaster-relief-loan","api_url":"https://dealroom.so/api/public/glossary/disaster-relief-loan","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"disaster-relief-loan","term":"Disaster Relief Loan","group":"The loan itself","definition":"Loans provided by the SBA to help businesses and homeowners recover from declared disasters. These are distinct from business acquisition loans.","what_it_means":"While a disaster relief loan is not for buying a business, be aware if the target business has taken one out. It would appear as a liability on their balance sheet and could impact their financial health and repayment capacity. Ensure all existing debt is fully disclosed and understood during due diligence.","url":"https://dealroom.so/glossary/disaster-relief-loan","official_sources":[{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"}],"related":[{"slug":"sba-loan","term":"SBA Loan","url":"https://dealroom.so/glossary/sba-loan"},{"slug":"liability","term":"Liability","url":"https://dealroom.so/glossary/liability"},{"slug":"due-diligence","term":"Due diligence","url":"https://dealroom.so/glossary/due-diligence"},{"slug":"balance-sheet","term":"Balance Sheet","url":"https://dealroom.so/glossary/balance-sheet"}],"related_questions":[{"question":"Are SBA 7(a) loans only for businesses unable to get traditional bank loans?","url":"https://dealroom.so/sba-loans/basics/are-sba-7-a-loans-only-for-businesses-unable-to-get-traditional-bank-loans"},{"question":"What exactly is an SBA 7(a) loan, and who offers these loans?","url":"https://dealroom.so/sba-loans/basics/what-exactly-is-an-sba-7-a-loan-and-who-offers-these-loans"},{"question":"How do SBA 7(a) loan interest rates compare to standard commercial loans?","url":"https://dealroom.so/sba-loans/basics/how-do-sba-7-a-loan-interest-rates-compare-to-standard-commercial-loans"},{"question":"What makes an SBA 7(a) loan 'government-backed' compared to other loans?","url":"https://dealroom.so/sba-loans/basics/what-makes-an-sba-7-a-loan-government-backed-compared-to-other-loans"},{"question":"Does the SBA check for past defaults on federal debts, like student loans or prior SBA loans?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-check-for-past-defaults-on-federal-debts-like-student-loans-or-prior-sba-loan"},{"question":"How do SBA loan guaranty fees for FY2026 apply to loans below $500,000?","url":"https://dealroom.so/for-lenders/questions/how-do-sba-loan-guaranty-fees-for-fy2026-apply-to-loans-below-500-000"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Disaster Relief Loan","url":"https://dealroom.so/glossary/disaster-relief-loan","source_type":"DealRoom Data"}}