; and (ii) incurred damage to real or personal property of the business concern during the covered period as a result of the civil unrest described in clause (i). (b) Business physical disaster loans (1) In general Except as otherwise provided in this subsection, an eligible entity shall be eligible for a loan made by the Administration under section 7(b)(1) of the Small Business Act ( 15 U.S.C. 636(b)(1) ) under the same terms, conditions, and processes as a loan made under such section to repair, rehabilitate, or replace property, real or personal, of the eligible entity that was damaged or destroyed during the covered period as a result of the civil unrest described in subsection (a)(3)(B)(i). (2) Disaster declaration With respect to the disaster declaration described in subsection (a)(3)(B)(i) for a loan made under paragraph (1), the requirement under section 123.3(a)(3)(ii) of title 13, Code of Federal Regulations, or any successor regulation, that 25 percent or more of the work force in the area would be unemployed for not fewer than 90 days shall not apply. (3) Loan amount (A) In general The amount of a loan made under paragraph (1) shall be equal to 100 percent of the amount required to repair, rehabilitate, or replace property, real or personal, of the eligible entity that— (i) was damaged or destroyed during the covered period as a result of the civil unrest described in subsection (a)(3)(B)(i); and (ii) is not compensated for by— (I) insurance; (II) a grant from a State or local government; or (III) any other means. (B) Deduction of advance amount The amount of any advance received by an eligible entity under subsection (c) shall be deducted from the loan amount for the eligible entity under subparagraph (A). (4) Terms; credit elsewhere (A) In general With respect to a loan made to an eligible entity under paragraph (1)— (i) the Administrator shall waive— (I) any rules related the personal guarantee on loans of not more than $200,000 during the covered period for all applicants