Support for Small Businesses Impacted by the Ice Storms

June 11, 2025 — SBA Announces Disaster Loans for Cheboygan, Emmet, Presque Isle, Charlevoix, Otsego, Montmorency, and Mackinac counties. Click here to learn more.

Homeowners, renters, businesses, and non-profit organizations affected by the ice storm in Cheboygan, Charlevoix, Emmet, Mackinac, Montmorency, Otsego and Presque Isle Counties may apply for a low-interest disaster loan for their uncompensated physical damages. Small businesses and non-profits with economic losses from the disaster may also apply for Economic Injury Disaster Loans for working capital. Learn more and apply online at www.sba.gov/disaster. Call 800-659-2955 for more information.

SBA has set up temporary Disaster Loan Outreach Centers (DLOCs) with customer service representatives to answer questions and help individuals with the loan application process. Please take advantage of one-on-one help tailored to your situation while it is available. You can use ANY center. You DO NOT have to use the center in your county.

Cheboygan County DLOC Indian River Chamber of Commerce 3435 S. Straits Highway Indian River, MI 49749 Hours: Weekdays, 8 a.m. to 5 p.m. Saturdays, 10 a.m.-2 p.m. Closed: Sundays and Friday, July 4 Permanently closing: Thursday, July 10 at 4 p.m.

Emmet County DLOC Little Traverse Township 8288 S. Pleasantview Rd. Harbor Springs, MI 49740 Hours: Weekdays, 8 a.m.-5 p.m. Saturdays, 10 a.m.-2 p.m. Closed: Sunday and Friday, July 4 Permanently closing: Saturday, July 12 at 2 p.m.

What should you do right now?

1. Assess the Damage: Carefully document all damage to your property, equipment, and inventory. Take photos and videos for insurance purposes and potential disaster relief applications.
2. Contact Your Insurance Provider: Reach out to your insurance company immediately to understand your coverage for property damage, business interruption, and other potential losses.
3. Keep Records: Maintain detailed records of all expenses related to the storm, including repairs, temporary solutions, and lost revenue. This information will be important for insurance claims and potential aid applications.
4. Gather Your Current Financials: Gather and keep track of your current profit & loss statements, balance sheets, and recent tax returns (both business and personal) for potential loan requests and grant funding.
5. Communicate with Your Customers and Suppliers: Let them know your current operating status and any potential delays. Clear communication can help maintain relationships during this challenging time.

How can the Michigan SBDC Help?

We understand that navigating the aftermath of a disaster can be overwhelming. Our experienced business advisors are here to provide confidential, no-cost support. They can assist with:

• Understanding Disaster Relief Options: We can help you identify and navigate potential disaster relief programs, including grants and loans. We’ll help you understand eligibility requirements and the application process.
• Assessing Economic Loss: We can work with you to understand the full economic impact of the ice storm on your business, even if it’s not immediately obvious.
• Rebuilding and Recovering Your Business: Whether you need help with developing a recovery plan, adjusting your business model, or finding temporary operating solutions, our advisors are here to guide you.
• Connecting you with Resources and Support: We have connections to a wide range of resources, including financial assistance, legal guidance, and more. We can help you find the right support for your specific needs.

Contact a Consultant Today for Assistance: