[header] How to apply for a military reservist economic injury disaster loan [title] Have an essential employee who is a military reservist and is called up for active duty. [step] An essential employee is someone whose managerial or technical expertise is crucial for your business to function on a day-to-day basis. [substeps] This person doesn't necessarily have to be an owner of the business. 
They could be your general manager or hold some other title. The person must receive orders that they are being called into active duty during a period of military conflict.