After you apply for disaster assistance from the Federal Emergency Management Agency (FEMA), you may be contacted by the U.S. Small Business Administration (SBA). If you are asked to submit an application for a low-interest SBA disaster loan, don’t hesitate.If SBA determines you are eligible for a loan, you don’t have to accept it. If you don’t qualify for a loan, SBA will refer you back to FEMA and you could be considered for other FEMA grants for Other Needs Assistance, which covers items like disaster-related car repairs, clothing, household items...