A Step-by-Step Guide on How to Apply for an SBA Disaster Relief Loan

If your business is struggling in the wake of COVID-19, these steps will help guide you through the application process

In early March, the Small Business Administration’s disaster loan program was extended to all small businesses affected by the coronavirus. Applying is as simple as visiting the organization’s website and following these steps.

Step 1: Visit the SBA disaster loan website.

You can find a link to the website here to get started.

Step 2: Read through the site and download the application.

Take note of distinctions regarding application forms, supporting documentation forms, and home and sole proprietor loan documents.

For everything you need to know about applying for a small business loan, see the U.S. Chamber’s Small Business Loan Guide.

Step 3: Print out the application and fill it out.

Check “Economic Injury (EIDL)” on the form. You’ll have to provide information like organization type, a Federal EIN, contact information, and personal information related to business owners.

If you have questions about the application, you can call customer service at 1-800-659-2955 or send an email to [email protected].orking to bring you the best resources and information to help you navigate this challenging time. Read on for our complet

Step 4: Take note of filing requirements on page 3.

This is a list of supporting documentation that you will also need to submit with your application. The list includes documents like tax information authorization forms, tax returns, a personal financial statement, and a schedule of liabilities listing all fixed debts. Non-profit organizations have a separate list of documents to include.

It’s also important to also review the Additional Information section. While you don’t have to initially submit these documents to apply, you may be asked to provide it later on.


Read our full story on the federal government’s small business stimulus package.

Step 5: Scan your application and submit it online with your supporting documents.

If you don’t have a scanner, you can follow the instructions at the bottom of the website to mail your application. You may also be able to take a picture of the document and upload it on the site.

Once your application is submitted, a representative from the SBA will reach out to you to discuss funding options and other next steps. This may take time, especially because of an increase in applications related to COVID-19. If you want to check your applications status, you can do so by visiting the SBA disaster loan website and contacting the organization via email or phone.

For more resources from the U.S. Chamber of Commerce:

CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.

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