SBA Targeted EIDL Advance and Supplemental Advance: Is Your Business Eligible?

 Graphic for SBA EIDL program

As part of the Economic Injury Disaster Loan (EIDL) program, the Small Business Administration (SBA) offers two loan advance packages for the hardest hit businesses and private nonprofits, with funds that do 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. Eligible businesses may receive up to $15,000 total in funds — $10,000 through the Targeted EIDL Advance and $5,000 through the Supplemental Advance.

To receive an advance, you must first apply for a COVID-19 Economic Injury Disaster Loan*. 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 (via the mapping tool, see below for details).

Before you apply, please check the map to ensure you are in a low-income area and review the eligibility criteria below. (Note from the Cuero Development Corporation: a segment of the city of Cuero is within the declared low-income area. Please refer to the map for the precise area and to see if your business is located within it.)

*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 (in the section Information for Applicants.

Targeted EIDL Advance

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

  • Are located in a low-income community. To help applicants determine if they are located in a low-income community as defined in section 45D(e) of the Internal Revenue Code, a mapping tool (https://sbaeidl.policymap.com/app) is available. Note that the business address must be located in a low-income community in order 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 uring an 8-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.
  • Have 300 or fewer employees.

Business entities normally eligible for the EIDL program are eligible, including 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 Targeted Advance

The Supplemental Targeted Advance provides the smallest and hardest hit eligible businesses with 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 all 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
  • Had 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.

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 Disaster Customer Service Center at 1-800-659-2955 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 (link below).

See also: Supplemental Materials…

This information is also available on our SBA COVID-19 Economic Disaster Loans & Programs resource page, which you can follow for the latest in periodic updates from the SBA on its programs for businesses impacted by COVID-19.