If the SBA denies a loan or provides an insufficient amount, what can victims do?

The correct answer highlights that victims can seek a referral to non-income based Other Needs Assistance (ONA) programs if the SBA denies their loan request or offers an insufficient amount. This option is crucial because ONA provides assistance for essential needs that are not covered by the SBA loans, focusing especially on individuals who may not have sufficient income or resources to recover from the disaster. The assistance from ONA can help cover various items, such as personal property, transportation, and moving expenses, which are critical for individuals trying to rebuild their lives after significant setbacks.

In the context of the choices presented, while appealing the SBA decision or applying for a different loan type could be potential options, they may not provide immediate support tailored to disaster-related needs. Requesting additional time could also be a consideration, but it does not address the immediate need for assistance that ONA offers. Therefore, seeking referral to non-income based ONA directly aligns with the immediate needs of victims and supports their recovery effectively.