To me this is a total shame I run a small business that was affected by the flood in muncy, pa and when we first applied they basically told us we were guaranteed a disaster loan and economic disaster loan as well. Now after 3 attempts to fix things in our credit history which are fixed they are still denying us disaster assistance. Why don't they tell you when you apply that not only is the business credit score looked at but also your personal. Personally I think the Sba should just tell every small business unless your credit is perfect forget applying. They only want to help who they deem worthy of help. Well trust me for the small mom and pop shops out there who has managed to survive this failing economy like we have and then be rejected to me the SBA disaster program is a joke. Lets face it if we had perfect credit we wouldn't be asking for disaster loan we would get our own funding. So for anyone out there who was basically guaranteed help then rejected we feel for you why do these organizations exist if they can't help the businesses that really suffered. Sincerely, Mary Business Manager