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Hello! I’d like to throw out there that the Small Business Administration offers disaster loans. You can see if you’re eligible here.

They do require documentation. The typical documentation required to prove disaster-related damage or economic injury includes: 

• insurance claims,
• photos,
• repair estimates,
• financial statements,
• tax returns,
• and other related documentation.

For physical damage, it's important to document the direct impact on your property or equipment, while for economic injury (EIDL), demonstrating a decline in revenue and cash flow is key. Providing detailed, accurate, and timely information will help expedite your application and ensure that you receive the assistance you need.

Naturally, it’s a little challenging for a service business to prove significant change in the business, but here are a few ideas to consider:

• If you took regular Skimmer service pictures on your pool and spa service route, utilize those as “before” pictures. Document the “after”. If there’s no pool to service or the home is clearly destroyed, this may help build your case for economic injury.
• Export customer service history for the past 60 days for specific customers. If you can demonstrate that service for several customers has completely stopped, this also may help build your case for economic injury.
• Your financial statements will obviously also be helpful here. Invoicing history is available in Skimmer Billing and perhaps this can also provide helpful documentation for the SBA.

If anybody has experience with disaster loans, please do share your experiences.

Original note:

Just wanted to drop a note here and say that from all of us at Skimmer, we’re thinking of y’all in Florida and hoping Milton slows down before impact. 

Please stay safe out there and we’ll be ready to support you all on the other side.