SBA extends application deadlines, expands physical‑damage eligibility for nearby counties after July flood

Kerr County Commissioners Court · October 28, 2025

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Summary

A Small Business Administration official told Kerr County commissioners that SBA extended the disaster application deadline for SBA disaster loans and added several counties to the list eligible for physical damage assistance. He urged county officials to share the information with affected residents and local channels.

Gabriel Perales, public affairs specialist with the U.S. Small Business Administration's Office of Disaster Recovery and Resilience, told the Kerr County Commissioners Court on Oct. 27 that SBA has extended application windows for survivors of the July 2 flood.

"SBA has is now offering a 60 day grace period," Perales said, adding that the extension moves the SBA application deadline to Nov. 27 for applicants who missed the original Sept. 28 deadline. Perales said the extension applies to SBA resources and that disaster recovery centers may have closed but a business recovery center remains available for in‑person help.

Perales also said several counties recently moved from being eligible only for economic injury assistance to being eligible for physical‑damage loans as well. He named Concho, Kendall, Mason and Sutton counties; he said the physical‑damage application deadline for those counties is Nov. 14 and that economic injury assistance in those counties extends to June 15. For other affected areas, he said the economic injury deadline remains April 6.

Perales urged Kerr County to push the deadlines and application instructions through county channels and noted applications can be filed online at sba.gov/disaster. He said SBA staff can help applicants complete forms in person at the local business recovery center across from First Presbyterian Church and the library.

What this means: Homeowners, renters, business owners and nonprofits that were affected by the July flooding may still be eligible for SBA help beyond previously published deadlines, but the deadlines and types of assistance vary by county and by whether the application seeks physical‑damage or economic‑injury aid. County officials who approved disaster declarations and who coordinate outreach will determine how widely the new deadlines are advertised.

The commissioners did not take a vote on the SBA presentation; Perales's remarks were provided as an informational briefing and a public service announcement for affected residents.