(b) BUSINESS PHYSICAL DISASTER LOANS.— 
(1) IN
GENERAL.—Except as otherwise pro-
vided in this subsection, an eligible entity shall be el-
igible for a loan made by the Administration under 
section 7(b)(1) of the Small Business Act (15 U.S.C. 
636(b)(1)) under the same terms, conditions, and 
processes as a loan made under such section to re-
pair, rehabilitate, or replace property, real or per-
sonal, of the eligible entity that was damaged or de-
stroyed during the covered period as a result of the 
civil unrest described in subsection (a)(3)(B)(i). 
(2) DISASTER DECLARATION.—With respect to 
the disaster declaration described in subsection 
(a)(3)(B)(i) for a loan made under paragraph (1), 
the requirement under section 123.3(a)(3)(ii) of title 
13, Code of Federal Regulations, or any successor 
regulation, that 25 percent or more of the work 
force in the area would be unemployed for not fewer 
than 90 days shall not apply. 
(3) LOAN AMOUNT.— 
(A) IN GENERAL.—The amount of a loan 
made under paragraph (1) shall be equal to 100 
percent of the amount required to repair, reha-
bilitate, or replace property, real or personal, of 
the eligible entity that— 
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(i) was damaged or destroyed during 
the covered period as a result of the civil 
unrest described in subsection (a)(3)(B)(i); 
and 
(ii) is not compensated for by— 
(I) insurance; 
(II) a grant from a State or local 
government; or 
(III) any other means. 
(B) DEDUCTION OF ADVANCE AMOUNT.— 
The amount of any advance received by an eli-
gible entity under subsection (c) shall be de-
ducted from the loan amount for the eligible en-
tity under subparagraph (A). 
(4) TERMS; CREDIT ELSEWHERE.— 
(A) IN GENERAL.—With respect to a loan 
made to an eligible entity under paragraph 
(1)— 
(i) the Administrator shall waive— 
(I) any rules related the personal 
guarantee on loans of not more than 
$200,000 during the covered period 
for all applicants; and 
(II) any requirement that an ap-
plicant needs to be in business for the 
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1-year period before the civil unrest 
described in subsection (a)(3)(B)(i), 
except that no waiver may be made 
for an eligible entity that was not in 
operation on January 31, 2020; 
(ii) the eligible entity shall not be re-
quired to show that the eligible entity is 
unable to obtain credit elsewhere; and 
(iii) no collateral shall be required for 
the loan. 
(B) REPAYMENT.—Any payments on a 
loan made to an eligible entity under paragraph 
(1) are deferred until June 30, 2022, and inter-
est shall not begin to accrue until such date. 
(5) APPLICATION.— 
(A) IN GENERAL.—Not later than 7 days 
after the date of enactment of this Act, the Ad-
ministrator shall begin to accept applications 
for a loan under paragraph (1). 
(B) DEADLINE.—An eligible entity desir-
ing a loan under this subsection shall submit to 
the Administrator an application not later than 
December 31, 2020. 
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(C) APPROVAL AND ABILITY TO REPAY.— 
With respect to an applicant for a loan made 
under paragraph (1), the Administrator may— 
(i) approve the applicant based on the 
credit score or personal guarantee of the 
applicant; or 
(ii) use alternative appropriate meth-
ods to determine the applicant’s ability to 
repay. 
(6) USE
OF
FUNDS.—A recipient of a loan 
made under paragraph (1) shall use the loan pro-
ceeds to repair, rehabilitate, or replace property, real 
or personal, damaged or destroyed during the cov-
ered period as a result of the civil unrest described 
in subsection (a)(3)(B)(i), provided that such dam-
age or destruction is not compensated for by insur-
ance, a grant from a State or local government, or 
otherwise. 
(7) LOAN FORGIVENESS.— 
(A) IN GENERAL.—An eligible entity that 
received a loan made under paragraph (1), or 
an eligible entity that received a loan under sec-
tion 7(b)(1) of the Small Business Act (15 
U.S.C. 636(b)(1)) before the date of enactment 
of this Act related to the civil unrest described 
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in subsection (a)(3)(B)(i), shall be eligible for 
forgiveness of indebtedness equal to 75 percent 
of the loan amount if the eligible entity— 
(i) submits to the Administrator docu-
mentation of sales for 2019 and 2020 and 
tax returns for 2019 and 2020; and 
(ii) the eligible entity is in operation 
as of December 31, 2021. 
(B) AMOUNTS
NOT
FORGIVEN.—Any re-
maining amount of a loan described in subpara-
graph (A) that is not forgiven under this para-
graph as of December 31, 2021, shall— 
(i) be considered a loan made under 
section 7(b)(1) of the Small Business Act 
(15 U.S.C. 636(b)(1)); 
(ii) bear an interest rate of 3.75 per-
cent; and 
(iii) have a 30-year term. 
(8) DUPLICATION.—An eligible entity that re-
ceived a loan under subsection (a)(36) or (b)(2) of 
section 7 of the Small Business Act (15 U.S.C. 636) 
before the date of enactment of this Act shall be eli-
gible for a loan under paragraph (1) if the proceeds 
of the loan made under such subsection (a)(36) or 
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(b)(2) are not used for the same expenses as the 
loan under paragraph (1). 
(c) EMERGENCY GRANT.— 
(1) IN GENERAL.—An eligible entity that ap-
plies for a loan under subsection (b)(1) may request 
that the Administrator provide an advance, subject 
to paragraph (3), to the eligible entity not later than 
10 days after the date on which the Administrator 
receives an application from the eligible entity. 
(2) VERIFICATION.—Before disbursing amounts 
under this subsection, the Administrator shall verify 
that the applicant is an eligible entity by accepting 
a self-certification from the applicant under penalty 
of perjury pursuant to section 1746 of title 28, 
United States Code. 
(3) AMOUNT.—The amount of an advance pro-
vided to an eligible entity under this subsection shall 
be the lesser of— 
(A) 20 percent of the amount requested by 
the eligible entity; or 
(B) $10,000. 
(4) USE
OF
FUNDS.—An advance received 
under this subsection shall only be used for the al-
lowable uses for a loan under subsection (b)(1). 
(5) REPAYMENT.— 
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(A) IN
GENERAL.—Except as provided 
under subparagraph (B), an eligible entity that 
receives an advance under this subsection shall 
not be required to repay any amounts of the ad-
vance. 
(B) RETURN OF ADVANCE.—If an appli-
cant for a loan under subsection (b)(1) is later 
determined to be ineligible for the loan because 
the applicant does not meet the requirements to 
be an eligible entity described in subsection 
(a)(3), the applicant shall return to the Admin-
istrator any advance amount provided under 
this subsection— 
(i) not later than 90 days after receiv-
ing notice of the determination of ineligi-
bility; or 
(ii) if the Administrator determines 
that the applicant submitted the applica-
tion in bad faith, not later than 30 days 
after receiving notice of that determina-
tion, plus interest in an amount equal to 
4.75 percent of the advance. 
(d) RESOURCES
AND
SERVICES
IN
LANGUAGES 
OTHER THAN ENGLISH.—The Administrator shall pro-
vide the resources and services made available by the Ad-
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ministration relating to the loans and grants available 
under this section to eligible entities in the 10 most com-
monly spoken languages, other than English, in the 
United States, which shall include Mandarin, Cantonese, 
Japanese, and Korean. 
(e) REGULATIONS.—The Administrator shall issue 
guidance and rules to carry out this section. 
(f) DIRECT APPROPRIATION.— 
(1) IN GENERAL.—There is appropriated, out 
of amounts in the Treasury not otherwise appro-
priated, for the fiscal year ending September 30, 
2020, for an additional amount for ‘‘Small Business 
Administration—HEAL Act’’, $80,000,000, to re-
main available until September 30, 2021, for car-
rying out this section. 
(2) EMERGENCY DESIGNATION.— 
(A) IN GENERAL.—The amounts provided 
under this subsection are designated as an 
emergency requirement pursuant to section 4(g) 
of the Statutory Pay-As-You-Go Act of 2010 (2 
U.S.C. 933(g)). 
(B) DESIGNATION
IN
SENATE.—In the 
Senate, this subsection is designated as an 
emergency requirement pursuant to section 
4112(a) of H. Con. Res. 71 (115th Congress), 
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the concurrent resolution on the budget for fis-
cal year 2018. 
Æ 
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