Manage your EIDL

Notice: The COVID-19 EIDL program is NOT accepting new applications, increase requests, or reconsiderations. SBA continues to offer other funding options for small businesses, including traditional SBA loans.

Create an account in the MySBA Loan Portal (lending.sba.gov) to monitor your loan status or to make payments. 

You are responsible for your COVID-19 EIDL monthly payment obligation beginning 30 months from the disbursement date shown on the top of the front page of your Original Note. During this deferment:

• You may make voluntary payments without prepayment penalties
• Interest will continue to accrue on your loan during the deferment
• If you do not make voluntary payments during the deferment, a final balloon payment will be due on your loan at maturity

Effective March 19, 2025, the automated Hardship Accommodation Plan (HAP) for COVID-19 Economic Injury Disaster Loans (EIDL) is no longer open. Borrowers experiencing short-term financial hardship can still request repayment assistance. The self-enrollment option for assistance previously offered on the MySBA Loan Portal is no longer available. Borrowers must submit requests via email to CESC@sba.gov. Borrowers meeting the eligibility requirements may qualify for a one-time reduced payment of 50% of their original payment amount for six months.

Eligibility:

• Loan must be less than 120 days past due at the time of the request
• Loans in Charged Off status are not eligible
• Borrower must submit with the request a reasonable explanation for their temporary financial difficulty or cash flow problem, as well as the reason(s) why the borrower believes that it is a temporary or short-term

SBA offers free or low-cost counseling for small businesses through its national network of Resource Partners. These partner organizations may be able to help review your business plan, identify opportunities to access capital, or provide information on applicable tax benefits, among other counseling services. Contact your local District Office for assistance with locating a Resource Partner to address your needs or search to see what is available in your area.

COVID-19 EIDL Customer Service will provide the Application for SBA Consent form for matters such as: 

• a request for subordination of the SBA lien to facilitate third-party financing
• a proposed change in ownership
• a proposed assumption
• a request for specific collateral release 

For guidance on an anticipated business closure or liquidation, please send a message through the MySBA Loan Portal or contact COVID-19 EIDL customer service.

If you are a non-profit COVID-19 EIDL borrower that expended $750,000 or more in loan funds (and expenditures from other Federal awards) in a single year, you are subject to requirements under the Single Audit Act. Because there are no continuing compliance requirements, these audit requirements only apply in the year that the loan funds are spent. For more information on Single Audit Act requirements, please review 2 CFR 200, Subpart F or consult an accountant.

EIDL Advances are not subject to requirements under the Single Audit Act.

COVID-19 EIDL Assistance: Please contact COVID-19 EIDL Customer Service at 833-853-5638 (TTY:711), email COVIDEIDLServicing@sba.gov, or send a message through the MySBA Loan Portal. COVID-19 EIDL Customer Service is open from 8:00 a.m. to 8:00 p.m. ET, Monday through Friday.

When emailing SBA, remember to always include your loan or application number as well as reason for request in the email subject line. In the body of the email, include your loan or application number, reason for request, business name, applicant name and contact information.

MySBA Loan Portal Technical Assistance:  Please contact MySBA Loan Portal Customer Service at cls@sba.gov.  MySBA Loan Portal Customer Service cannot access your individual loan information.

Targeted EIDL Advance Assistance: Please email TargetedAdvance@sba.gov for help with Targeted EIDL Advance.

Any other assistance: Please contact SBA.