U.S. Small Business Administration: COVID EIDL Key Points for Borrowers

COVID-19 Economic Injury Disaster Loan (EIDL) deferment periods are approaching an end. As such, business owners must start preparing to make payments. The following are key points and resources for all COVID EIDL borrowers.

  • COVID Economic Injury Disaster Loans are not forgivable
  • SBA has begun to remind borrowers through email and calls
  • SBA will not mail paper notices (Form 1201) but may send payment reminders via email
  • Deferment on payments is from the date on the original note
  • Interest began accruing at the time of disbursement

Access your loan information

Account balances, interest amounts and payment due dates are accessible via the SBA Capital Access Financial System (CAFS) website.
Borrowers can create a CAFS account via this link - Instructions on how to set up a CAFS account.
Technical assistance is available via the CAFS Helpdesk at 833-872-0502 or cls@sba.gov.
For Connecticut Non-Profit Borrowers, please contact the SBA Birmingham Servicing Center at Bham.Realty@sba.gov or 800-736-6048 TTY:711 to ensure an authorized user has permission to set-up and access the organization’s CAFS account.

Make a payment

There are several options to make a payment to the SBA. 
  • Online payment at Pay.gov (preferred)
  • Use online bill pay through your business banking account
  • Mail your payment
Payment instructions here. 

Request a lien subordination or other servicing actions

Connecticut EIDL borrowers can request an application for SBA consent form via the SBA Birmingham Servicing Center Bham.Realty@sba.gov  to:
  • request subordination of a lien to facilitate third-party financing
  • propose change in ownership
  • propose assumption
  • request specific collateral releases

Business closures or liquidation

For guidance on matters such as an anticipated business closure or liquidation, contact Bham.Realty@sba.gov or 800-736-6048 TTY: 711.

SBA.gov/EIDL