Make a payment to SBA

SBA loan borrowers and other funding recipients can check their account balances and payment due date in the Capital Access Financial System (CAFS). Find out how to set up an account in the CAFS system.

Note: Due to privacy restrictions, Pay.gov does not have access to your SBA loan information. Your loan balance and account details, such as interest and due date, are NOT available on Pay.gov’s website or from Pay.gov help desk staff.

There are several options to make a payment to SBA.

Make an online payment at Pay.gov (PREFERRED):

1. Go to Pay.gov.
2. Search for SBA Form 1201 Borrower Payment.
3. Submit payment using SBA Form 1201 Borrower Payment using one of the following accepted online payment methods: bank account (ACH), PayPal account, debit card

Use online bill pay through your personal banking account:

1. Add U.S. Small Business Administration as a payee on your personal online banking account.
2. Enter your 10-digit loan number as the “Account Number.” Note: your loan number is not the same as your application number. Loan numbers are listed on your account statements.
3. If you need to enter a payment address, enter P.O. Box 3918, Portland, OR  97208-3918. If you need to enter a telephone number, enter the telephone number found on the front of your statement.
4. Set up an electronic one-time or recurring payment using your bank’s bill pay service.

Mail your payment:

1. Make payments by check or money order, payable to the “U.S. Small Business Administration.”
2. Enter your 10-digit SBA loan number in the memo field on your check or money order.
3. Mail your payment to:  U.S. Small Business Administration, P.O. Box 3918, Portland, OR  97208-3918.

Create a Pay.gov account

While you can pay without logging into a Pay.gov user account, it is recommended that you create a user account. Having a user account lets you set up recurring payments, track payments made, cancel pending payments, change recurring payments, and update your address with SBA.

For EIDL borrowers please access your RAPID Portal or create a CAFS portal account. Your original loans documents also have your loan number.

All other borrowers can locate their loan number by creating a CAFS portal account.

Your loan number might be on a statement or letter from SBA. It is NOT the same as your application number. If you do not have a letter or statement, please contact the SBA COVID EIDL Customer Service Center at 833-853-5638.

COVID-19 Economic Injury Disaster Loans (EIDL): EIDL Loans have a 10-digit loan number. EIDL loans were initiated by completing an application through the SBA website. This type of loan is between the borrower and SBA directly. COVID EIDL loans are not eligible to be forgiven.

• Partial payment instructions: If you want to make a partial or installment payment, please pay using the 1201 Borrower Payment form. Enter your 10-digit EIDL loan number in the SBA Loan Number field and the amount you would like to remit as payment.
• Full repayment instructions: If you want to repay your EIDL loan in full, you are responsible for all daily accrued interest and the repayment of any Uniform Commercial Code (UCC) fees paid. Request a payoff amount prior to submitting payment on this 1201 Borrower Payment form by contacting the Service Office listed on your monthly 1201 Borrower Statement.

Paycheck Protection Program (PPP) loans: The PPP loan program was designed to provide a direct incentive for small businesses to keep their workers on the payroll. PPP loans have a 10-digit loan number. These loans were initiated by contacting a lending institution and completing their application and are made between the borrower and lender, not between the borrower and SBA. PPP loans are eligible to be forgiven.

COVID-19 EIDL Advances: EIDL Advance/Grants have a 10-digit application number. Generally, EIDL Advances/Grants were paid in rounded, thousand-dollar amounts ranging from $1,000-$10,000 via direct deposit from the U.S. Treasury.

• Partial and full repayment instructions: If you are a Borrower paying back your EIDL Advance/Grant, DO NOT USE FORM 1201.

If you need assistance making a payment to SBA, please contact us as follows:

• For help with your SBA account balance, due date, and any other questions regarding the specifics of your SBA loan, please contact your SBA loan servicing center listed on your account statement.
• For help with CAFS, please contact the CAFS help desk at 833-572-0502 (Monday through Friday 8 a.m. to 8 p.m. ET) or email cls@sba.gov. The CAFS help desk cannot access your individual loan information.
• For help with Pay.gov, please review the Pay.gov support documentation and contact information.
• For all other assistance, please see how to contact SBA.