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Emergency Disaster Relief Loan Program

The Utah Conservation Commission (UCC) has an Emergency Disaster Loan Program.  The purpose of the program is to assist agricultural producers by providing loan funds to help them address extraordinary circumstances related to declared disasters that have resulted in production losses.

These funds are only available for agricultural producers to address declared disaster related losses and cannot be used for any value-added projects. 

Eligible Losses and Expenses: 

    • All losses and expenses submitted for funding under this program must be documented.
    • Loan funds may only be used to cover losses related to the official disaster declared. 
    • Loan funds may only be used to cover losses not already covered by indemnity, insurance, or other compensation.
    • Eligible losses and expenses will be further defined in application information provided specific to the declared disaster.

Loan Information: 

    • Unsecured 7-year fully amortized loans.
    • 0% interest for the first 2 years, 2.75% thereafter.
    • First loan payment due date options will be outlined in the application information provided for the declared disaster. Borrower may select month due and payment frequency (monthly, quarterly, semi-annually, or annually). 
    • Loan maximum is currently $100,000 per entity.
    • To be eligible, the agriculture producer must have an Adjusted Gross Income (AGI) of less than $250,000, as documented on their most recent tax return.
    • All disbursements must be completed within six months of loan closing or before an otherwise specified date unless the date is extended by the UCC.
    • A 5% late fee may be assessed on past due principal balance.

Documents Required for Loan Application:

    • Complete and signed application 
    • 2 years of complete (personal and business) tax returns 
    • Credit will be pulled by UDAF from a credit agency 
    • Entity Documents if applying under a business 
*Credit will not be used to make determination of loan approval but will be included in each loan file as historical collection data to be used in the event of an audit.

Application Process 

    • Applications must first approved through your local Conservation Districts. Contact your local Resource Coordinator for submission to the district.
    • Any incomplete application will be placed at the bottom of rotation. 
    • The application date is considered the date of COMPLETE application, not the date of the original submission.
    • Once all documents are received, the application will be processed for eligibility.
    • Applications will be approved on a first complete, first processed basis for funding. 
    • All signatures will be completed through DocuSign. 

Potential Reasons for Denial of an Application: 

    • Incomplete application. 
    • Lack of qualifying losses. 
    • Tax returns show that the producer has over maximum AGI. 
    • Program funds are exhausted. 
    • The producer applied outside of the application window.

How to Apply:

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All denied applicants will receive a written notice that includes the reason for the denial.

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