Upcoming Economic Injury Disaster Loan (EIDL) Payment Requirements

Upcoming Economic Injury Disaster Loan (EIDL) Payment Requirements

Businesses that took advantage of the Economic Injury Disaster Loan (EIDL) program will need to begin making EIDL payments soon.  Borrowers should receive an email from the SBA requesting you sign up for an SBA Capital Access Financial System (CAFS) borrower loan portal. This is necessary to view your upcoming payment due date and payment amount.  The first loan payment is due 30 months from the original Note date. For some, the first payment may be due as early as October 2022.

To begin making payments borrowers will need to set up a log-in at www.pay.gov.  Before that, they will need to enroll online with CAFS as below.

Capital Access Financial System (CAFS)

Borrowers must enroll online with the CAFS and login into their CAFS loan portal. Enrollment will require the use of the officer/owner’s name and email, not the company name or FEIN. It will also need SSN, address, and loan number information. The required payment and due date of the first EIDL payment can only be found on the CAFS system. Using the CAFS portal borrowers can monitor the status of loans such as SBA disaster, Paycheck Protection Program, 7(a), 504, and microloans. Instructions on how to enroll in a CAFS account can be found here. In your portal, you can locate your payment amount due and due date.


After locating your payment amount, you must go to the website pay.gov to make the payment by the due date noted on the CAFS site.  Instructions for making a payment can be found in this SBA document

The payment will be an SBA Form 1201 Borrower Payment.  Acceptable forms of payments are through bank accounts, PayPal accounts, and debit cards.  Payments need to be made electronically.  The site allows for recurring monthly payments using saved payment methods.

Learn more about how to make a payment using your bank account or through mail at https://www.sba.gov/funding-programs/loans/make-payment-sba.

For more information on making online payments and frequently asked questions visit https://qa.pay.gov/agencydocs/docs/sba.pdf.

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