Amends the Small Business Act to prohibit the Administrator of the Small Business Administration (SBA), in obtaining the best available collateral for a disaster loan of not more than $200,000 relating to damage to or destruction of property or economic injury to a small business, from requiring the small business owner to use his or her primary residence as collateral if the Administrator determines that the owner has other assets with a value equal to or greater than the loan amount that could be used as collateral.