Category: Weather Disasters

Exception and Non Exception Processing






SBA Disaster EIDL Loan Processing

Exception Processing vs. Non-Exception Processing in SBA EIDL Loans

Non-Exception Processing is the standard route for SBA disaster EIDL loans. It applies when the applicant meets all eligibility criteria, documentation is complete, and no unusual circumstances are present. This results in faster and more predictable loan approval and disbursement.

Exception Processing comes into play when there are unique or complex circumstances, such as unusual ownership structures, discrepancies in the application, or the need for additional documentation. This process requires more in-depth reviews and can lead to longer processing times.


How Long Does It Take To Get A SBA Disaster Loan (EIDL)

How Long Does It Take to Receive an SBA EIDL?

The timeline to receive an SBA Economic Injury Disaster Loan (EIDL) can vary
depending on application completeness and SBA workload. Below is a typical
timeframe once an application is submitted.

Typical EIDL Timeline

  • Application Review & Decision:
    Approximately 2–3 weeks after submission if the application
    is complete and there are no significant backlogs.
  • Loan Closing Documents:
    Issued shortly after approval for the applicant’s signature.
  • Funds Disbursement:
    Initial funds are typically deposited within
    about 5 business days after signed closing documents are received.

Timeline Summary

Step Typical Timeframe
Application Decision 2–3 weeks
Closing Documents Days after approval
Initial Funding Within ~5 business days

Factors That May Affect Processing Time

  • Incomplete or inaccurate application information
  • Requests from SBA for additional documentation
  • High application volume following major disaster declarations
  • Collateral or eligibility review requirements


Note: Processing times are estimates and may vary by disaster declaration
and individual circumstances.

SBA Disaster Areas

Current SBA Declared Disasters (January 2026)

  • Maine and New Hampshire: Aid available due to economic losses from moisture and cold temperatures.
  • California and Nevada: Assistance related to the Pack Fire (late 2025).
  • Florida: Aid for counties impacted by the June 2025 drought.
  • Alaska: Assistance for storm and flooding damage from October 2025.
  • Arizona: Aid for counties affected by hurricanes and tropical storms.

For more details and eligibility, please visit the official SBA website.

Government Shut Down And Disaster Assistance

The U.S. Government is still processing and funding disaster applications during the shutdown. Though the staff is reduced and processing may be even slower than usual the Economic Injury Disaster Loan (EIDL) program is available.
Applications may be submitted online and assistance can be obtained free of charge from www.sba.gov.
Companies that are interested in applying for the large loan program of one to two million dollars need to know the process is complex and burdensome. This private non profit agency, SBA Disaster Loan Agency, represents business owners seeking this type of large loan amount.
There is no cost to find out if your company is eligible. Simply contact us by email, leave a comment or give us a call at the listed number. There is a contact form as well which reaches us directly.