Economic Injury Disaster Loan Emergency Advance
Small Business Administration
In response to the Coronavirus (COVID-19) pandemic, small business owners in all US states, Washington, DC and territories were eligible to apply for an Economic Injury Disaster Loan Advance of up to $10,000. This advance would provide economic relief to businesses that experienced a temporary loss of revenue.
Jargon-free version
Gives small business owners up to $10,000 to help with temporary revenue loss due to COVID-19. This advance provides quick economic relief.
Quick Facts
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What Is This Program?
What Benefits Are Offered?
Low-interest disaster loans for homeowners, renters, and businesses to recover from declared disasters. These loans historically covered repairs, replacement of physical assets, improvements to eliminate future damage, and operating expenses after a disaster. The program title indicates an emergency advance component, which was typically a non-repayable portion for initial funds.
Who Is Eligible?
Business Size: small, medium, large
Region: declared disaster area
Other Criteria: homeowners, renters, private nonprofit organizations
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📋What Are the Application Steps & Timeline?
- 📝Steps to Apply
- Check if you are in a declared disaster area
- Log in to the SBA Loan Portal
- Complete the application form
- Submit your application
- 🌐Application Portal
- http://www.sba.gov/Disaster
- 📤Submission Method
- online
- 🔄Intake Type
- rolling
📄What Documents Are Required?
- ✅Required Documents
- SF-424 (Application for Federal Assistance)
- SF-424A (Budget Information - Non-Construction)
- SF-424B (Assurances)
- Project Narrative
- Budget Narrative
- 📐Format Requirements
- PDF only, max 10MB
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💰What Expenses Are Eligible?
- 🧾Eligible Expenses
- Business operating expenses that could have been met had the disaster not occurred
- Losses not covered by insurance or funding from FEMA
- 💳Payment Model
- advance
- ⏪Retroactive Expenses Eligible
- Yes
🤝Is Matching Funding Required?
- 🔀Matching Required
- No
- 📚Stacking Rules
- Yes, you can combine with other government funding.
📊What Are the Reporting Requirements?
- 🔍Audit Requirements
- OMB Uniform Guidance Single Audit if the recipient expends $750,000 or more in federal awards in a fiscal year
- 🗄️Record Retention Period
- 3 years post-final-report
How Do I Apply?
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FAQFrequently Asked Questions
This program is available to small, medium, large businesses located in declared disaster area.
This program offers funding up to $9,999,999,999 (minimum $5).
This program accepts applications on a rolling basis.
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