Targeted EIDL Advance Review

Targeted EIDL Advance and Supplemental Targeted Advance

For the hardest hit businesses and private nonprofits, funds that do not need to be repaid.

Notice: COVID EIDL deadline approaching

Program Deadline

COVID-19 Economic Injury Disaster Loan

COVID-19 Economic Injury Disaster Loan applications will be accepted until December 31, 2021. We will continue processing applications after the deadline, including reconsiderations. We are unable to accept new applications after the deadline.

Targeted EIDL Advance

Targeted EIDL Advance applications will be accepted until December 31, 2021. We will continue processing applications after the deadline, including reconsiderations. We cannot accept new applications after the deadline.

Supplemental Targeted Advance

Supplemental Targeted Advance applications will not be accepted or processed after December 31, 2021, including reconsiderations. We strongly encourage eligible small businesses to apply as soon as possible, but no later than December 10, 2021.

  • SBA will accept and review reconsideration and appeal requests for COVID EIDL applications received on or before December 31 if the reconsideration/appeal is received within the timeframes in the regulation. This means six months from the date of decline for reconsiderations and 30 days from the date of reconsideration decline for appeals – unless funding is no longer available.

  • Borrowers can request increases up to their maximum eligible loan amount for up to two years after their loan origination date, or until the funds are exhausted, whichever is soonest.


Program overview

Applicants for the COVID-19 Economic Injury Disaster Loan (EIDL) may be eligible to receive up to $15,000 in funding from SBA that does not need to be repaid. These "advances" are similar to a grant, but without the typical requirements that come with a U.S. government grant.

To receive an advance, you must first apply for a COVID-19 EIDL. You do not need to accept the loan or be approved for the loan to receive an advance. Once you apply for the loan, SBA will invite you via email to apply for one of the advance programs if your business is located in a low-income area (see below for more detail).

Before you apply, please check the map to ensure you are in a low-income area and review the eligibility criteria below.

Please do not submit duplicate COVID-19 EIDL applications. If you have already applied or cannot find your invitation email, instructions on how to have your application updated or reevaluated are below.

Targeted EIDL Advance

The Targeted EIDL Advance provides funds of up to $10,000 to applicants who:

  • Are in a low-income community. To help applicants determine if they are in a low-income community as defined in section 45D(e) of the Internal Revenue Code, a mapping tool (sbaeidl.policymap.com) is available. The business address must be in a low-income community to qualify so SBA encourages potential applicants to check the map to see if they meet the low-income community eligibility requirement before they apply; and

  • Can demonstrate more than 30% reduction in revenue during an eight-week period beginning on March 2, 2020, or later. If an applicant meets the low-income community criteria, they will be asked to provide gross monthly revenue (all forms of combined monthly earnings received, such as profits or salaries) to confirm the 30% reduction; and

  • Have 300 or fewer employees.

Business entities normally eligible for the EIDL program are eligible to apply. This includes sole proprietors, independent contractors, and private, nonprofit organizations. Agricultural enterprises are not eligible.

All communication from SBA will be sent from an official government email account ending with @sba.gov. Please do not send sensitive information via email to any address that does not end with @sba.gov.

Supplemental materials


Supplemental Targeted Advance

The Supplemental Targeted Advance provides a supplemental payment of $5,000 that does not have to be repaid. Even if you have previously received the original EIDL Advance in the full amount of $10,000, you may be eligible for the Supplemental Targeted Advance if you meet eligibility criteria. The combined amount of the Supplemental Targeted Advance ($5,000) with any previously received EIDL Advance or Targeted EIDL Advance ($10,000) will not exceed $15,000.

Completing the Targeted EIDL Advance application is a requirement to be considered for the Supplemental Targeted Advance.

Before applying, make sure your small business meets the following eligibility criteria:

  • Is located in a low-income community. Use this mapping tool to see if your business is in a low-income community as defined in section 45D(e) of the Internal Revenue Code. The business address must be in a low-income community to qualify, so SBA encourages you to check the map before you apply; and

  • Can prove more than a 50% economic loss during an eight-week period beginning on March 2, 2020, or later, compared to the same period of the previous year. Applicants need to provide gross monthly revenue (all forms of combined monthly earnings received, such as profits or salaries) from January 2019 to the current month-to-date; and

  • Has 10 or fewer employees.

Supplemental Targeted Advances are available to sole proprietors, independent contractors, private nonprofit organizations, and others that usually qualify for the EIDL program and meet the above criteria. However, agricultural businesses, such as farmers and ranchers, are not eligible for the Supplemental Targeted Advance. Farmers and ranchers may still apply for loan assistance through the COVID-19 EIDL program.

All application decisions or requests for additional information will be sent from an official government email account ending with @sba.gov. Do not send sensitive information via email to any address that does not end with @sba.gov.

Supplemental materials


Advance funds returned by banks

When a bank returns Targeted EIDL Advance or Supplemental Targeted Advance funds to SBA, the funds cannot be immediately re-disbursed. SBA is working to mitigate this issue. Additionally, we are providing the following information to help answer questions about returned funds:

  • My business was approved for a Targeted EIDL Advance (or Supplemental Targeted Advance) and I was informed that funds had been sent to my bank. However, the money never showed up in my account and my bank says it returned the funds to SBA. Since you have determined my business is qualified, how can I get those funds?
    We are working on an update to our system that will enable us to re-disburse those funds as soon as possible. If you have not already done so, please send an email with a photo ID front and back and a check with the word “VOID” written across it. Please start the subject line of your email with your application number and send to:     COVIDAdvanceBankReturns@sba.gov

  • Will I lose my place in line and have my funds given to another business?
    No. If the original disbursement was returned by the bank, be assured the funds were obligated for you and will remain available, even if the issue is not resolved immediately.

  • How long will I have to wait?
    We don’t have a specific time frame, but we are working diligently to resolve the issue quickly.

  • How will I know the matter has been resolved?
    Businesses awaiting re-disbursement will be notified when the funds are re-disbursed.

  • Why would the bank return the funds instead of putting them into my account?
    Some common reasons funds are returned is that the account is closed, the applicant provided an incorrect routing or account number, the name or EIN number on SBA’s deposit does not match the name or EIN number on the bank account, or the account is a personal account rather than a business account. You will need to contact your bank to learn the reason specific to your case.

  • What does SBA do when funds are returned to us?
    Our staff examines every case where funds are returned and contacts the applicant to request any additional information or documentation needed to overcome the reason for the return. Additional documentation includes but is not limited to a copy of the applicant’s photo identification and voided check for the correct account. Once we have the information needed to clear the issue, we take the necessary actions.

Information for applicants

To check the status of an existing application, you can log in to your COVID-19 EIDL applicant portal where you find information about your application status.

If you cannot find your invitation email, you can contact SBA’s COVID-19 EIDL Customer Service Center at 833-853-5638 (TTY: 855-440-4960) or by email at TargetedAdvance@sba.gov to request a new invite. Please note that this process may take several business days.

Applicants seeking reevaluation of a declined application for a Targeted EIDL Advance or a Supplemental Targeted Advance should send an email to TargetedAdvanceReevaluation@sba.gov.

For additional detailed information, review the Targeted Advance and Supplemental Targeted Advance FAQs.


Program reports

COVID-19 relief program reports

EIDL, Targeted EIDL Advance, and Supplemental Targeted Advance

EIDL Advance

All data

EIDL, Targeted EIDL Advance, and Supplemental Targeted Advance

EIDL Advance