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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

Click here to learn more:

(For additional information on this program, read SBA’s “Paycheck Protection Program (PPP) Information Sheet”)

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:

Lenders may begin processing loan applications as soon as April 3, 2020.

Here’s the fillable PDF application.

Those eligible include:

Under this program:

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

Economic Injury Disaster Loans and Loan Advance

To apply for a COVID-19 Economic Injury Disaster Loan, visit:

(And for a step-by-step view of what you can expect to see, check this out.


Through this loan application you can apply for an SBA Economic Injury Disaster Loan. It provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.

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

Upon completion of the application, you’ll get a confirmation page with an application number at the end. You *should* hear whether you’ve been approved within 3 weeks.

Near the end of this application, you will be asked to check a box if you would like to be considered for an advance of up to $10,000. This advance may be available even if your EIDL application was declined or is still pending. This loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.

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 with less paperwork. These can be a term loan or a means to bridge the gap while applying for a direct SBA Economic Injury Disaster loan (see above). If a small business has an urgent need for cash while waiting for decision and disbursement on 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.