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Are you ready for disaster? If not, here's the money to help you prepare.

The SBA has launched a five-year pilot program to help small businesses in 118 disaster-prone communities prepare for hurricanes, tornadoes, floods and earthquakes.

Under the SBA's Pre-Disaster Mitigation Loan Program, eligible entrepreneurs can apply for low-interest loans to finance disaster-prevention improvements such as installing fireproof roofing or upgrading buildings to structures that can better withstand the tremors caused by earthquakes or high winds.

Congress has allocated $15 million annually for the program. Business owners can apply for as much as $50,000 at a 4 percent interest rate for up to 30 years.

To determine whether your community qualifies, visit the Federal Emergency Management Agency Web site ( and click on the Project Impact icon. To find out annual deadlines for filing applications or to get additional information about the loan program, visit or call (202) 205-6743.

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This article was originally published in the November 1999 print edition of Entrepreneur with the headline: National.

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