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SBA Coronavirus Small Business Financial Assistance Programs

For more complete information on these programs (and other assistance options), visit SBA’s Coronavirus (COVID-19): Small Business Guidance & Loan Resources page.

The following programs in the Coronavirus Aid, Relief, and Economic Security (CARES) Act, each administered by the U.S. Small Business Administration, are intended to assist business owners in overcoming the challenges brought by the COVID-19 pandemic.

Paycheck Protection Program

(in Chinese, here)
(in Korean, here)

Click here to learn more:

(For additional information on this program, read SBA’s “Paycheck Protection Program Frequently Asked Questions”)

How to Apply:

You can apply through any existing SBA 7(a) lender or through any federally insured depository institution, federally insured credit union, and Farm Credit System institution that is participating. Other regulated lenders will be available to make these loans once they are approved and enrolled in the program. You should consult with your local lender as to whether it is participating in the program.

Use this tool to find a nearby lender eligible to issue a loan under the Paycheck Protection Program:

Here’s the fillable PDF application.

Those eligible include:

Under this program:

If you applied for PPP (before April 27th) and have received no communications beyond an application confirmation number, check with your lender on the status of your application. Typically, those who applied but were not approved with the first round of government funding will be on the top of the list for the next round (in the order in which they applied). Generally, you will not need to reapply, but this is each lender’s choice.

The loan will be fully forgiven if the funds are used for payroll costs, interest on mortgages, rent, and utilities (due to likely high subscription, at least 75% of the forgiven amount must have been used for payroll).

If you need help completing this application, contact the New York SBDC center nearest you

Economic Injury Disaster Loan (EIDL) - (revised, 5/4/2020)

SBA is re-opening the EIDL portal this afternoon (5/4/2020) to allow previously ineligible agricultural businesses ONLY to apply for the EIDL Loan and Advance.

For more information, go here:

Agricultural applicants who have already submitted their applications will continue to be processed on a first-in, first-out basis. SBA will process these applications without the need for re-applying.

For those agricultural businesses that have not yet applied for an EIDL, go here:

Non-agriculture businesses MAY NOT apply, EXCEPT for any business that completed an EIDL application before March 29th, and received a confirmation # starting with “2” but has not yet reapplied through the streamlined portal.

These businesses may re-apply to complete their original application here:

SBA Debt Relief

The SBA Debt Relief program will provide a reprieve to small businesses as they overcome the challenges created by this health crisis.

Under this program:

SBA Express Bridge Loans

Click here to read SBA’s procedures applicable to the Express Bridge Loan Pilot Program

Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.


Find an Express Bridge Loan Lender by connecting with your local SBA District Office.