---
kind: "section"
citation: "13 C.F.R. § 123.5"
title: "13"
number: "123.5"
heading: "What kinds of loans are available?"
url: "https://uscodex.org/cfr/13/123.5"
---

# §123.5. What kinds of loans are available?

- (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)](/cfr/13/7.md?p=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](/cfr/13/42.md) 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.

## Notes

### Amendments

[75 FR 60597, Oct. 1, 2010]

### Authority

Authority: 15 U.S.C. 632, 634(b)(6), 636(b), 636(d), 657n, 9009, and U.S. Const. art. VI, cl. 10.

### Source

Source: 61 FR 3304, Jan. 31, 1996, unless otherwise noted.

### Amendments

[75 FR 60597, Oct. 1, 2010]