Register at lending.sba.gov using your SBA loan number and borrower information, then log in to view your balance, set up ACH auto-pay, or make one-time payments — the MySBA Loan Portal replaced the prior CAIVRS-linked system and is now the single point of self-service for all SBA direct and guaranteed loan servicing.
The MySBA Loan Portal is the SBA's centralized self-service platform for borrowers who have an active SBA direct loan (EIDL, disaster, COVID EIDL) or an SBA-guaranteed loan (7(a), 504) serviced by a participating SBA preferred lender. Through the portal you can: view current outstanding balance and next payment due date; make one-time payments via ACH, debit, or credit card; enroll in automatic recurring ACH payments; download payment history and year-end interest statements; submit hardship deferment requests; and update mailing address and contact information. Note: SBA-guaranteed loans held by a bank or credit union — meaning the bank, not SBA, is the servicer — may not appear in MySBA. In that case, your payment goes directly to the lender that originated the loan. Call your lender to confirm who services your account before registering.
Go to lending.sba.gov and click Create Account. You will need: your SBA loan number (10-digit number found on your loan agreement or closing documents); the last four digits of your Social Security Number or EIN; your date of birth; the ZIP code associated with your loan. After identity verification, set a username and password and enable multi-factor authentication (MFA is required for all MySBA accounts). Once registered, click Add a Loan and enter your loan number to link it. If your loan number returns a 'not found' error, contact the SBA's customer service center at 1-800-659-2955 — the loan may be serviced by a third-party servicer not yet migrated to the portal. According to SBA's MySBA Loan Portal guidance, all COVID EIDL borrowers were migrated to the portal during 2022–2023; pre-COVID disaster loans may require a separate enrollment.
Once your loan is linked, navigate to Payments and choose between a one-time payment or recurring auto-pay. For ACH auto-pay, enter your business checking account's routing number and account number; auto-pay drafts on your loan's due date each month. You will receive an email confirmation when the payment is scheduled and when it posts. For tax purposes, the portal generates year-end Form 1098 or interest statements — interest paid on a business loan used for business purposes is generally deductible under IRS Publication 535 (Business Expenses), Chapter 4 (Interest). Keep portal-generated interest statements with your tax records. If you miss a payment, the portal shows a past-due balance; contact the SBA servicing center before the 30-day mark to avoid a delinquency report to the credit bureaus.
A restaurant owner received a $150,000 COVID EIDL in 2021. In 2022, SBA migrated all EIDL loans to MySBA. She registers at lending.sba.gov, enters her 10-digit EIDL loan number, verifies identity with last-4 SSN and ZIP, sets up MFA, and adds her loan. She enrolls in auto-pay from her business checking — $731/month on the 1st. At year-end she downloads the interest statement: $8,200 in interest paid, which her accountant deducts on Schedule C as a business interest expense under IRS Section 162.