Insurance and SBA disaster loans are cheapest but slow; working capital can cover repairs and reopening costs while claims process.
Check my optionsCash flow
After a hurricane, flood, wildfire or tornado, businesses face repair costs, lost revenue and delayed insurance payments at the same time. Recovery funding works best when it is layered: insurance and government programs for the long term, faster capital to reopen quickly.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Approved files are usually funded the next business day.
Net cash, total payback and payment shown before you sign.
A person reviews your revenue, time in business and bank activity, often within hours.
A human reads the file, not just an algorithm score.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Start with documentation and insurance. Photograph damage before cleanup, keep receipts for every emergency expense and file claims promptly. Review whether your policy includes business interruption coverage, which can replace lost income for a period, and whether flood damage is covered separately. Insurance payments can take weeks or months, so plan cash flow assuming delay.
Look into disaster programs. When a federal disaster is declared, the SBA offers low-interest disaster loans, including Economic Injury Disaster Loans for working capital and physical damage loans for repairs, to eligible businesses in declared areas. States sometimes add bridge loan programs. These offer long terms and low rates but take time to process.
Use fast capital to bridge the gap. Reopening sooner protects customers and staff. Revenue-based funding, sized on your pre-disaster bank deposits once operations resume, can cover immediate repairs, inventory replacement or payroll while insurance and SBA funds are pending. MFE considers credit from 500; size the bridge so the payment fits reduced post-disaster revenue, and disclose pending insurance or SBA applications.
Communicate with existing funders and lenders right away. If you carry an advance or loan, contact the provider about the disruption before payments fail; many will discuss reconciliation, temporary modifications or deferrals for documented disasters.
Finally, plan for next time: update insurance, keep digital copies of key records, maintain a cash reserve and know which funding options you would use.
Here is a reopening bridge sized to reduced post-disaster revenue. Illustrative numbers.
| Funding for the project | $150,000 |
| Total payback (factor 1.40) | $210,000 |
| Term | ~44 weeks |
| Payment per week | $4,773 |
| Monthly payment the project must cover | $20,666 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Insurance claim | Document everything, expect delays |
| Business interruption coverage | Replaces lost income if included |
| SBA disaster loans | Low rate, long term, slower |
| Bridge funding | Reopen quickly while claims process |
| Existing funders | Request reconciliation or modification |
Good fit:
Probably not yet:
Insurance, SBA disaster loans in declared areas, state programs and bridge funding.
An SBA disaster loan for working capital to eligible businesses in declared areas.
Often weeks or months; plan for delays.
Yes, sized to reduced revenue; disclose pending claims.
Contact your funder immediately about reconciliation or modification.
Update insurance, store records digitally and keep a reserve.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding