Make a payment to SBA

The new MySBA Loan Portal replaces the Capital Access Financial System (CAFS). If you have one of the loans listed below, you will be able to log in to view loan details, access statements, and make payments.

• COVID-19 EIDL
• SBA disaster loans
• Paycheck Protection Program (PPP) loans (payments only available for guaranty-purchased loans)
• 7(a) loans (payments only available for guaranty-purchased SBA-serviced loans)
• 504 loans (only debenture-purchased)

If your type of loan is not listed, the information on this page does not apply. Please contact your lending institution for assistance.  If you need more help, you may contact the SBA loan servicing center  listed on your account statement.

If you have an account to access either of these systems, you can use your existing username and password to log in to the MySBA Loan Portal:

• Capital Access Financial System (CAFS)
• Veteran Small Business Certification (VetCert)

Please note, the COVID-19 EIDL application portal (also known as the "RAPID portal") is closed.  Your RAPID portal username and password cannot be used to log in to the MySBA Loan Portal.

If you don't have an account in either CAFS or VetCert, you will need to register for a new account in the MySBA Loan Portal. 

If you have an existing MySBA Loan Portal account, you can find your loan number by logging in.

If you have not created an account, you can find your loan number on the top left corner of the Note and the Loan Authorization and Agreement. It is NOT the same as your application number.

If you need assistance finding your loan number:

• For COVID-19 EIDL, contact COVID-19 EIDL Customer Service at 833-853-5638 (TTY:711) from 8:00 a.m. to 8:00 p.m. ET, Monday through Friday, or email COVIDEIDLServicing@sba.gov.
• For Disaster loans, contact the SBA Disaster Assistance Customer Service Center at 800-659-2955 or email disastercustomerservice@sba.gov.
• For PPP, 7(a), and 504 loans, contact the SBA loan servicing center handling your loan.

You can check loan balances and payment due dates by logging in to the MySBA Loan Portal.

COVID-19 EIDL borrowers:

• Your first payment is due 30 months from the date of the original Note, which can be found in your original loan closing documents. 
• Monthly email reminders will be sent, but you must log into the MySBA Loan Portal to view your payment due date and amount.

There are several options to make a payment to SBA. Borrowers with the following loan types can make payments online through the MySBA Loan Portal.  All others should contact their lender directly for payment information.

• COVID-19 EIDL
• SBA disaster loans
• Guaranty-purchased Paycheck Protection Program (PPP) loans
• Guaranty-purchased SBA-serviced 7(a) loans
• Debenture-purchased 504 loans

Pay online

Online payments are recommended for faster processing times.  To get started:

1. Log in to the MySBA Loan Portal.
2. In the "Loan" section of the home screen, select the "Action" button next to the loan you want to pay.
3. Select "Payments" from the dropdown, then "Make payment."
4. Enter your billing information. 

For one-time payments:

One-time payments can be made using a bank account, debit card, or PayPal.

1. Enter a payment amount, then select “One-Time Payment” for your payment schedule.
2. Review your entries, then select "Confirm Payment."

For recurring payments: 

Recurring payments can be made using a bank account or a debit card.

1. Enter a payment amount, then select “Recurring Payment” for your payment schedule.
2. Enter the payment start date.
3. Choose the number of installments and payment frequency. If you are using a debit card, installments are limited to 36 months and you cannot set payments beyond the debit card expiration date.
4. Review your entries, then select "Confirm Payment."

To view and manage recurring payments, go to “Loan Accounts” on the top navigation and select “Manage Recurring Payments.”

Use online bill pay through your personal banking account:

1. Add U.S. Small Business Administration as a payee on your personal online banking account.
2. Enter your 10-digit loan number as the “Account Number.” Note: your loan number is not the same as your application number. Loan numbers are listed on your account statements.
3. If you need to enter a payment address, enter P.O. Box 3918, Portland, OR 97208-3918. If you need to enter a telephone number, enter the telephone number found on the front of your statement.
4. Set up an electronic one-time or recurring payment using your bank’s bill pay service.

Pay your loan in full

If you want to repay your COVID-19 EIDL loan in full, you are responsible for all daily accrued interest and the repayment of any Uniform Commercial Code (UCC) fees paid. To request a payoff amount, contact COVID-19 EIDL Customer Service at 833-853-5638 (TTY:711) from 8:00 a.m. to 8:00 p.m. ET, Monday through Friday, email COVIDEIDLServicing@sba.gov, or send a message through the MySBA Loan Portal.

Mail your payment

1. Make payments by check or money order, payable to the “U.S. Small Business Administration.”
2. Enter your 10-digit SBA loan number in the memo field on your check or money order.
3. Mail your payment to:  U.S. Small Business Administration, P.O. Box 3918, Portland, OR 97208-3918.

To learn about SBA's financial counseling resources and the COVID-19 EIDL Hardship Accommodation Plan, visit Manage your EIDL. Note: The 30-month COVID-19 EIDL deferment period was not extended. COVID-19 EIDL is not forgivable.

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

Disaster Loans: Please contact the SBA Disaster Assistance Customer Service Monday through Friday from 8:00 a.m. – 8:00 p.m. ET. You can also email disastercustomerservice@sba.gov.

MySBA Loan Portal technical assistance:  Please contact MySBA Loan Portal Customer Service at 833-572-0502, from 8:00 a.m. to 8:00 p.m. ET, Monday to Friday, or email cls@sba.gov. MySBA Loan Portal Customer Service cannot access your individual loan information.

PPP, 7(a), 504 and Microloans: Please contact your lender for help with your account balance, due date, or any other specifics of these loans. For SBA-purchased loans, please contact the SBA loan servicing center listed on your account statement.

Any other assistance: Please contact SBA.