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Make a payment to SBA

Learn how to use the SBA loan portal to mak loan payments and check your account balance and due date.

SBA Loan Portal

Learn about the portal

View statements

Learn about loan statement

Make payments

Learn how to pay

Get help

Learn how to get help

SBA Loan Portal

The SBA 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.

Login

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

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 SBA Loan Portal.

Registration

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

Find your loan number

If you have an existing SBA 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:

View loan statements and payment due dates

You can check loan balances and payment due dates by logging in to the SBA 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 SBA Loan Portal to view your payment due date and amount.

Make payments

Starting October 1, 2025, SBA will only accept electronic payments, per a new Presidential Executive Order. Any payment checks sent after this date will be returned to the sender.

Borrowers with the following loan types can make payments online through the SBA Loan Portal or by phone.  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 SBA 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.”

Pay by phone

  • For COVID-19 EIDL loans, contact the secure payment portal at 833-853-5638 (TTY:711) from 8:00 a.m. to 8:00 p.m. ET, Monday through Friday, or email CESC@sba.gov.
  • For Disaster loans, contact the SBA Disaster Assistance Customer Service Center at 800-659-2955 or email disastercustomerservice@sba.gov
    • Please have your loan number and payment amount ready
    • SBA will accept both debit card and ACH payments
    • You may make either the monthly installment payment or a different (greater) amount

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 SBA Loan Portal.

Get help

COVID-19 Economic Injury Disaster Loans:  Please contact COVID-19 EIDL Servicing Center at CESC@sba.gov or send a message through the SBA 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.

SBA Loan Portal technical assistance:  Please contact SBA Loan Portal Customer Service at cls@sba.gov. SBA 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.

Financial counseling resources

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.