Reapplying for Small Business EIDL Loans Under the CARES Act

The new $484 billion aid package approved by Congress includes $60 billion to renew funding for the Economic Injury Disaster Loans (EIDL) program and adds $320 billion to the Paycheck Protection Program (PPP). Those who were caught in the middle of the loan application process when funding ran dry need to know the following:

If you were in the process of applying for a EIDL loan and have an application number that begins with the No. 3, you do not need to reapply for a loan. The Small Business Administration reports it is continuing to process applications that were in the pipeline when funding ran out, and will reopen its application portal and accept new applications once it receives new appropriations.

Small businesses seeking an EIDL loan that have an application number that begins with No. 2 should reapply once the application portal reopens. They will not lose their place in line because SBA can match up the new application with the date/time stamp of the original application submitted.

Businesses applying for an EIDL may request an advance of up to $10,000 to be delivered quickly following the request. An applicant will not be required to repay this advance if the funds are used to cover payroll, provide sick leave or cover other business costs, even if the applicant is subsequently denied a loan under the EIDL program.

The Small Business Administration will resume accepting PPP loan applications on Monday, April 27 at 10:30 a.m. EDT.

More information on the PPP and EIDL loan programs can be found here.

For more information, contact Alex Strong at 1-800-368-5242 x8279 or Heather Voorman at x8425.


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Comments (63)

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  1. Janine says:

    When will the portal open for new applications?

  2. Gary moss says:

    What if i was declined? Should i reapply? I was declined because they had my bank account and routing numbers reversed in application

  3. Are 501C(6)’s now eligible to apply for the PPP loan?

    • NAHB Now says:

      No, NAHB continues to advocate for 501(c)(6) organizations to be eligible for the PPP program. 501(c)(6) entities can apply for the EIDL program provided they are not “in the business of lobbying.” That essentially means that if more than 50% of your organization’s resources are devoted to lobbying, you would not be eligible. However, we urge you to consult with your legal counsel to confirm your qualifications.

  4. Shannon says:


    Do you know of any banks that are accepting new applications for ppp. My bank and several others aren’t accepting new applications

  5. K says:

    For more information, contact Alex Strong at 1-800-368-5242 x8279 or Heather Voorman at x8425.
    received this:
    404 Error … Page Not Found

    I’m sorry, but the page you’re seeking does not exist. Perhaps you can find what you’re looking for below.

  6. Roger says:

    When will the portal open for new applications of the EIDL?

    • NAHB Now says:

      As we reported earlier this week, the SBA is currently not accepting new EIDL applications. However, if you were in the process of applying for a EIDL loan and have an application number that begins with the No. 3, your application remains in the queue and you do not need to reapply for a loan.

      • Lynisa says:

        My application is sitting in processing going on 20 days, the application number begins with a 3, I verified my Identity,, account information and after that it got stuck on review and sign documents. That part is totally greyed out. I have called and emailed but I haven’t received any help yet. This email address is no help to me they will no reply back and its been 8 days. I’ve come to terms I need to just give up hope and wait on November..

  7. Emin Kahyaoglu says:

    Applications for EIDL
    I have a number 2 and was never advised to reapply until I called back last week on thrusday and they told us we were suppose to receive and email advising us at the beginning of April to reapply when we already apply on 3/24/2020 , we called before and they never said that before
    I called and sba said we have to wait until they open the portal for EIDL again and reapply

  8. SJ says:

    I bank with Chase. They are not accepting any new applications at this time.

    What banks allowing you to complete application for the Paycheck protected program. Without having a business account with their bank?

  9. Marie says:

    I received an email 4/14 ..I applied 3/30 .Email stated I would get a grant of 1,000 per employee

    I never received my money .My app starts with 3 .I called And was told I was not approved she still get grant ..I haven’t who do I contact

  10. Anquanie says:

    My EIDL loan was denied, likely because a creditor had a lien on business. It was supposed to be terminated, I have a letter from the creditor, should I reapply instead of appeal?

  11. Nancy Updegrave says:

    Will there be new applications accepted for EIDL loans? I applied but site was only accepted loans for farms. My application was not accepted.

    • NAHB Now says:

      The SBA is currently not accepting new EIDL applications; however, NAHB is fighting for additional funding in the next congressional stimulus package.

  12. Melissa says:

    Can you reapply for the Edil grant the 2nd time if you received the 1,000 grant the first time, and was denied the loan?

  13. Mario says:

    I was approved and granted a EIDL loan for my business. Am I able to apply again for another loan thru the SBA EIDL Loan. I’ve found that I can use more capital since my business is now open but it’s been very slow to start.
    Thank you

  14. Kevin Nguyen says:

    there were errors in my SBA application and therefore my loan is not being approved. What do I need to do to get pass this problem and to eventually get the loan?

  15. Raj Saraf says:

    It is not possible to speak to a live person on the # you have been providing (1-800-659-2955). I need to speak to a live person. The original application submitted by the previous owner of my business was declined since I got the business transferred to me in the meantime. Then I submitted a fresh new application & they did withdraw my new application saying that there were multiple application from my business & they would continue processing the earliest application. Do you have a # where you can talk to a live person at SBA?

  16. Francesca says:

    Hi, I believe the routing number I provided may not have been the right one, will my EIDL loan/10K advancement still get to my account if the routing number was the incoming instead of the ACH one? Thank you

    • NAHB Now says:

      NAHB is not qualified to answer this type of technical question for the Small Business Administration, which is the entity that is responsible for administering the program. You should contact them directly. Good luck!

    • Cheryl F Miller says:

      I did that same thing. I made correction on my account and they ask for a 4506-T documents. I sent that and i am still waiting and i been approved. Please would tell me what is going on. Thank you.

  17. I want to get approved for the edil in order to purchase property to build our small buisness and self employed but just opened 12/21/18 and haven’t filed tax on my buisness because I didn’t generate enough profit.i filed a tax return this past year but employer only.will I get approved ? I chose ” independent contractor ” &” personal services
    My amounts for goods were small.will i get the Grant ?

    • NAHB Now says:

      NAHB is not involved in the loan application process in any way so you will need to contact the Small Business Administration with questions about your specific application.

  18. Marcelin Merlien says:

    I have appled for SBA loan/grant and I have been denied for loan. I have not heard anything about the grant. Is it possible that I have been denied for grant also. Should I reapply a third time for grant?

  19. Dee says:

    Why after my eidl application did it say error?

  20. Tadarion says:

    I’ve applied for the SBA Loan and never received the money nor a denial email. Do that mean I can still receive it.

  21. Nancy says:

    I received approval for an eidl loan but didn’t think I needed it. But now we need it and the offer has been withdrawn by the sba. I’ve emailed the reconsideration team but haven’t heard back. Since they are taking new EIDL applications should I reapply? Or just wait for the reconsideration team to respond.

  22. jose martinez says:

    Can i reapply with same application again once I have received 1,000, grant?…in other words can I apply for a loan again?

  23. Dominque Colwell says:

    When I orginally applied there were a typo in my email. So I kept calling to update it and they would say it could take a while. And I was like, well how would I know if I need to update or send anymore information. So I resubmitted an application and got an email (FINALLY) saying I have duplicate applications and that they will disregard the latest one. Since then I have called and even sent in a reconsideration letter. When I called I was told I was denied. But I when I sent my reconsideration letter. I sent all matching documents and everything. I have not heard anything. How do I get an update or response? Its been 2 months almost.

  24. Angela Shaw says:

    Is there going to be funds available to apply for a second EIDL loan?

  25. Legend says:

    Thanks for sharing this information. Many people who have been rejected once will apply again. According to this article one can apply second time after getting the loan also.

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