At a DRC, individuals can apply for SBA federal loan assistance, including low-interest and deferred-interest loans for homeowners, renters, and businesses. SBA sets the guidelines that govern the 7(a) loan program.U.S. SBA Disaster Loans: By law, the interest rates depend on whether each applicant has Credit Available Elsewhere. Loan and Trust Agreement among Hillsborough County Industrial Development Authority, Tampa Electric Company and The Bank of New York Trust Company, NA The Borrower shall not assign, or otherwise transfer, any interest in this Agreement without the prior written consent of the Lender. In the event that the LIBOR Rate is less than zero on any Interest Rate.