; and (7) in the flush matter following subparagraph (E) (as so redesignated), by striking the period at the end and inserting the following: : Provided further, That for purposes of subparagraph (D), the Administrator shall deem that such an emergency affects each State or subdivision thereof (including counties), and that each State or subdivision has sufficient economic damage to small business concerns to qualify for assistance under this paragraph and the Administrator shall accept applications for such assistance immediately. (e) Credit elsewhere requirements The flush matter following subparagraph (E) (as so redesignated) of section 7(b)(2) of the Small Business Act ( 15 U.S.C. 636(b)(2) ) is amended by striking That no loan or guarantee and all that follows through credit elsewhere. and inserting the following: The interest rate on a loan or guarantee made under this paragraph shall be not more than 2 percent, if the Administrator determines the applicant is not able to obtain credit elsewhere, or not more than 4 percent, if the Administrator determines the applicant is able to obtain credit elsewhere. . (f) Eligibility Section 7(b)(2) of the Small Business Act is amended by striking small agricultural cooperative and inserting small cooperative . (g) Additional amounts (1) In general The Administrator of the Small Business Administration may increase by 20 percent the amount received by an eligible small business concern under section 7(b)(2) of the Small Business Act ( 15 U.S.C. 636(b)(2) ) to cover continuity-of-operations and risk mitigation improvements, including telework capability, offsite record keeping, redundancy, the administrative costs of establishing paid sick leave, and presenteeism prevention. (2) Definition In this section, the term eligible small business concern means a small business concern that— (A) meets the applicable size standard established under section 3 of the Small Business Act ( 15 U.S.C. 632 )