The fee
The SBA Disaster Loan Package is a one-time fee of $250 (USD). It is not a subscription and nothing renews. You can create an account, upload your documents and submit them for free. You pay only when your package is ready, and the package downloads unlock after payment.
The fee covers preparing your package, which includes:
- Summary PDF: your numbers explained in plain English
- Full Documentation PDF: the detailed math, forms and sources
- Debt Schedule PDF (SBA Form 2202 Schedule of Liabilities)
The fee does not guarantee SBA approval or any loan amount. The SBA makes the final decision on every disaster loan application. Economic Recovery Center is a private company. It is not a government agency and is not the U.S. Small Business Administration (SBA) or FEMA. You can apply for SBA disaster loans directly with the SBA at no cost.
Refunds
Before you download: full refund
If you have paid but have not yet downloaded any of your package PDFs, you can ask for a full refund of the $250 fee at any time, for any reason. Our portal records every download, so we can confirm this quickly.
After you download: we fix our mistakes for free
Once you have downloaded any package PDF, the fee is not refundable, because the work has been delivered to you. If your package has an error that we made, such as a calculation mistake or a figure copied incorrectly from the documents you gave us, tell us within 60 days of your first download and we will correct it and give you an updated package at no cost. If we can't correct it, we will refund your fee.
Corrections because of information you gave us that was incomplete or incorrect, or because your situation changed after you submitted, are not errors on our part. We are glad to help, but they are not covered by this policy.
The SBA's decision doesn't change the fee
The fee pays for preparing your documents. It is not a fee for approval and is never based on the outcome of your application. A decline, a lower loan amount than you hoped for, or a delay by the SBA is not a reason for a refund.
If the SBA finds our fee unreasonable
If the SBA ever determines that our fee was not reasonable for the services we performed, we will refund the amount the SBA finds excessive.
How to ask
Refund and correction requests are handled by email only. Email Support@EconomicRecoveryCenter.com from the email address on your portal account, with your name and whether you are asking for a refund or a correction. We reply by email. Approved refunds go back to the card you paid with; your bank may take up to 10 business days to show it.
Please contact us before disputing a charge with your bank. We can usually resolve it faster.
Payments
Online payments are handled on a secure checkout page run by our payment processor. We do not see or store your card number. See our Privacy Policy and Terms of Use.