Application Process
How do I register for the MySBA loan portal and make payments?
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 full picture
What the MySBA Loan Portal Is
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.
Registration Walkthrough
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.
Making Payments and Setting Up Auto-Pay
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.
EIDL borrower registration example
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.
Sources
- The SBA MySBA Loan Portal (lending.sba.gov) is the official self-service platform for SBA direct loans and eligible guaranteed loans — all COVID EIDL borrowers were transitioned to the portal by 2023, enabling ACH payment, balance viewing, and deferment requests online. — SBA — MySBA Loan Portal
- IRS Publication 535 (Business Expenses), Chapter 4 covers deductibility of business loan interest — interest paid on debt used in a trade or business is generally deductible as an ordinary and necessary business expense under Internal Revenue Code Section 163(j) for business interest. — IRS Publication 535 — Business Expenses
- SBA's customer service line (1-800-659-2955) is the escalation path when a borrower's loan number is not found in the portal — some pre-2020 SBA loans are serviced by third-party servicers not yet integrated into MySBA and require manual enrollment assistance. — SBA — Contact SBA
Key takeaways
- Register at lending.sba.gov with your 10-digit SBA loan number, last-4 SSN/EIN, date of birth, and loan ZIP — MFA is required.
- SBA-guaranteed loans serviced by a bank (not SBA directly) may not appear in MySBA — confirm your servicer before registering.
- Set up ACH auto-pay to avoid missed payments; SBA reports delinquencies to credit bureaus after 30 days.
- Download year-end interest statements from the portal — business loan interest is generally deductible under IRS Publication 535.
- If your loan number returns a 'not found' error, call 1-800-659-2955 — it likely needs manual servicer migration.
- Already servicing an SBA loan and exploring a second round of capital or a different product? Compare options at small business financing.
Frequently asked questions
What can I do on the MySBA Loan Portal?
The MySBA Loan Portal (lending.sba.gov) lets you view your 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 your mailing address and contact information. It covers SBA direct loans (EIDL, disaster, COVID EIDL) and SBA-guaranteed loans (7(a), 504) serviced directly by SBA.
What information do I need to register for the MySBA Loan Portal?
You need your 10-digit SBA loan number (found on your loan agreement or closing documents), the last four digits of your Social Security Number or EIN, your date of birth, and the ZIP code associated with your loan. After identity verification you set a username and password and enable multi-factor authentication, which is required for all MySBA accounts.
What if my SBA loan number isn't found in the MySBA Loan Portal?
Contact the SBA's customer service center at 1-800-659-2955. A 'not found' error usually means the loan is serviced by a third-party servicer that hasn't yet been migrated into the portal and needs manual enrollment assistance.
Will my SBA-guaranteed loan show up in the MySBA Loan Portal?
Not always. If your SBA-guaranteed 7(a) or 504 loan is serviced by a bank or credit union rather than SBA directly, it may not appear in MySBA — your payment goes directly to the lender that originated the loan instead. Call your lender to confirm who services your account before you try to register.
Is interest paid through the MySBA Loan Portal tax deductible?
Interest paid on a business loan used for business purposes is generally deductible as an ordinary and necessary business expense under IRS Publication 535 (Business Expenses), Chapter 4. The portal generates year-end Form 1098 or interest statements you can download and keep with your tax records — confirm deductibility specifics with your accountant.
What happens if I miss a payment in the MySBA Loan Portal?
The portal shows a past-due balance once a payment is missed. Contact the SBA servicing center before the 30-day mark — SBA reports delinquencies to the credit bureaus after 30 days past due.
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Published 2026-05-21 · Updated 2026-08-02 · https://clearvaluelending.com/answers/mysba-loan-portal-how-to-register-and-pay