# 13 CFR § 123.5: What kinds of loans are available?

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/ecfr-13-123.5

## Section

- **Citation:** 13 CFR § 123.5
- **Heading:** What kinds of loans are available?
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** Title 13—Business Credit and Assistance > CHAPTER I—SMALL BUSINESS ADMINISTRATION > PART 123—DISASTER LOAN PROGRAM > Subpart A—Overview

## Text

(a) Disaster loans authorized under Section 7(b). SBA offers four kinds of disaster loans as authorized by Section 7(b) of the Small Business Act: Physical disaster home loans, physical disaster business loans, economic injury disaster business loans, and Military Reservist EIDL loans. SBA makes these loans directly or in participation with a financial institution. If a disaster loan authorized under Section 7(b) is made in participation with a financial institution, SBA's share in that loan may not exceed 90 percent.
(b) IDAP loans. SBA also offers IDAP loans as authorized by Section 42 of the Small Business Act. SBA makes these interim guaranteed disaster loans to small businesses only in participation with a financial institution. SBA's share in an IDAP loan is equal to 85 percent.
[75 FR 60597, Oct. 1, 2010]

## Nearby sections

- [13 CFR § 123.1 § 123.1 What do these rules cover?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.1.md)
- [13 CFR § 123.2 § 123.2 What are disaster loans and disaster declarations?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.2.md)
- [13 CFR § 123.3 § 123.3 How are disaster declarations made?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.3.md)
- [13 CFR § 123.4 § 123.4 What is a disaster area and why is it important?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.4.md)
- [13 CFR § 123.5 § 123.5 What kinds of loans are available?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.5.md)
- [13 CFR § 123.6 § 123.6 What does SBA look for when considering a disaster loan applicant?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.6.md)
- [13 CFR § 123.7 § 123.7 Are there restrictions on how disaster loans can be used?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.7.md)
- [13 CFR § 123.8 § 123.8 Does SBA charge any fees for obtaining a disaster loan?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.8.md)
- [13 CFR § 123.9 § 123.9 What happens if I don't use loan proceeds for the intended purpose?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.9.md)
- [13 CFR § 123.10 § 123.10 What happens if I cannot use my insurance proceeds to make repairs?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.10.md)
- [13 CFR § 123.11 § 123.11 Does SBA require collateral for any of its disaster loans?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.11.md)
- [13 CFR § 123.12 § 123.12 Are books and records required?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.12.md)
- [13 CFR § 123.13 § 123.13 What happens if my loan application is denied?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.13.md)
- [13 CFR § 123.14 § 123.14 How does the Federal Debt Collection Procedures Act of 1990 apply?](https://www.frixlaw.com/law-library/statutes/ecfr-13-123.14.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-13-123.5. Check the current official text before relying on it. Not legal advice.