CAFS Portal for Borrowers

Create an account

Existing borrowers should create an account on the SBA Capital Access Financial System (CAFS) portal (caweb.sba.gov) to monitor the status of the following types of loans:

• All SBA disaster loans, including COVID-19 and physical loss EIDL loans
• Payment Protection Program (PPP)
• 7(a) loans
• 504 loans
• Microcredits

Get instructions in Spanish on how to create an account in the CAFS system.

For COVID-19 EIDL borrowers: The application portal (also known as the "RAPID portal") is closed. COVID-19 EIDL borrowers must create a new account on the CAFS Borrower Portal to view their monthly statements. Monthly reminders will be emailed to them, but borrowers must create an account on the CAFS Borrower Portal to view the payment due date and amount.

How to check your SBA loan balance and due date

SBA loan borrowers and other recipients of funds can check their account balances and payment due dates in the Capital Access Financial System (CAFS). Get instructions in Spanish on how to create an account in the CAFS system available in English. 

For COVID-19 EIDL Borrowers: Your first payment is due 30 months from the date of the original Note. You can find the Note in the original loan closing documents. The date of the Note is located in the upper right-hand corner of the first page of the Note.

Note: Due to privacy restrictions, the Pay.gov English portal 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 the Pay.gov website nor does the Pay.gov help team have that information.

How to see your loan number

Borrowers can obtain their loan number by creating an account on the CAFS Portal for Borrowers.

For COVID-19 EIDL Borrowers: Your loan number may be on a statement or letter from the SBA. It is not the same number as your application number. If you do not have a letter or statement, contact the SBA Customer Service Center for COVID-19 EIDL Loans at 833-853-5638.

Payment options

There are several options for making a payment to the SBA.

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

1. Go to Pay.gov.
2. Submit payment along with SBA Form 1201 Borrower Payments, using one of the following accepted online payment methods: Bank Account (ACH), PayPal Account, Debit Card

Use online bill pay through your bank account:

1. Add the US Small Business Administration as a payee in your online banking account.
2. Enter your 10-digit loan number where they ask for your account number (“Account Number”). Note: Your loan number is not the same as your application number. Loan numbers appear on your statements.
3. If you need to enter a payment address, enter this: PO Box 3918, Portland, OR 97208-3918. If you need to enter a phone number, please enter the phone number that appears on the front of your statement.
4. Set up a one-time or recurring electronic payment using your bank's bill payment service.

Mail your payment:

1. Send your payments by check or money order, payable to "US Small Business Administration".
2. Write your 10-digit SBA loan number in the memo field of your check or money order.
3. Send your payment to US Small Business Administration, PO Box 3918, Portland, OR 97208-3918.

Create a Pay.gov account

Although you can pay without signing into a Pay.gov user account, it is recommended that you create a user account. Having a user account allows you to set up recurring payments, track your payments, cancel pending payments, change recurring payments, and update your address with the SBA.

Specific Loan Types

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

Partial Payment Instructions:

 If you wish to make a partial or installment payment, please proceed using Borrower Payment Form 1201. Enter your 10-digit EIDL loan number in the SBA Loan Number field and the amount you are paying. want to remit as payment.

Loan Repayment Instructions:

•  If you wish to repay your EIDL loan in full, you are responsible for all accrued interest and repayment of any costs paid by the Uniform Commercial Code (UCC). Request a payoff amount before submitting payment on this 1201 Borrower Payment Form by contacting the service office listed on your monthly 1201 borrower statement. (If you do not have a statement, contact the service center.) SBA Customer Service for COVID-19 EIDL Loans at 833-853-5638.)

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, which were initiated by contacting a lending institution and completing your application, are made between the borrower and the lender and not between the borrower and the SBA. PPP loans are eligible for forgiveness.

7(a), 504, and microloan loans –

 Although these loans are backed by the SBA, they are not serviced by the SBA. Contact your lender for more information on how to make a payment.