SBA Disaster Loan Technical Assistance

*Update 5/20:

SBA and the Department of Treasury released the Paycheck Protection Program (PPP) Loan Forgiveness Application and instructions to inform borrowers how to apply for forgiveness of the PPP loans. Additional regulations and guidance to assist borrowers will be announced, stay up to date with SBA

OED continues to offer FREE assistance to small businesses and non-profits with their PPP loan and loan forgiveness applications, and has bilingual interpretation. For information on the status of your EIDL or PPP loan, contact SBA Office of Disaster Assistance directly at 1-800-659-2955 (TTY: 1-800-877-8339) or email

Need help with these SBA resources?

OED provides technical assistance to businesses applying for SBA loans and understanding the CARES Act (Coronavirus Aids, Relief & Security). This includes helping businesses navigate the application process and documentation. 

For general inquiries, please email or call 206-684-8090.

When you call you may reach a live person or a voicemail. If you reach the voicemail, please tell us:

  • Your name
  • Phone number
  • The language you need in English
  • What support you need  

If you need language assistance, either a bilingual staff member will call you back, or we will call in a third-party interpreter on the phone to assist with the conversation.  

Please note that many people are calling us for help, so expect long wait times. You may also experience a wait time while connecting to an interpreter.   

Here are three funding options from SBA to help you overcome the economic disruption due to the COVID-19 outbreak:

Paycheck Protection Program (PPP) Loans 

PPP IconDetails about CARES Act loan options for small businesses were announced April 1. This Paycheck Protection Program (PPP) offers up to $10 million in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. All loan terms will be the same for everyone and are provided through financial institutions/lenders. The loan amounts will be forgiven as long as:  

  • The loan proceeds are used to cover payroll costs, most mortgage interest, rent, and utility costs over an 8-week period between February 16th and June 30th, 2020. 75% of the loan amount must go towards payroll; and 

  • Employee and compensation levels are maintained to prior February 16th. 

Who can apply? 

Small businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards. For more information about PPP loans: 

How and where to apply for a PPP loan? 

  • These loans are not provided directly by SBA, but through an approved lender.  Click here to search for a nearby approved SBA lender.

  • Individual lenders will have their own application process and required documents. For reference we have included a generic Application SBA Form for PPP loans here.  This contains core information required by lenders and can help you understand what you need for the lender PPP application. 

Preparing for a PPP Loan

Below is key information to help you prepare for PPP application. Your average monthly payroll is required information for the application.  Take the following steps to calculate your average monthly payroll:

1. Calculate the total annual payroll prior to COVID-19.  Payroll costs include the following costs for all part and full time employees:Salary, wages, commissions, tips or similar compensation (capped at $100,000 on an annualized basis for each employee);Payment of vacation, parental, family, medical, or sick leave;

  • Allowance for separation or dismissal;
  • Payments required for the provisions of group health care benefits including insurance premiums;
  • Payment of retirement benefits;
  • Payment of employer paid state and local taxes assessed on compensation;
  • For a sole proprietor or independent contractor wages, commissions, income, or net earnings from self-employment, capped at $100,000 on an annualized basis for each employee count as payroll.

2. Add these costs to calculate total payroll for the year.

3. Divide by 12 to get the average monthly payroll.

You can also get this number from your IRS 941 Employer's Quarterly Federal Tax Return form line 5E. Add up total in line 5E from previous four quarters before crisis, and divide by 12 to get average monthly payroll.

Applicants should also have the following documents available:

  • If you have an SBA EIDL since Jan 31 2020, have your loan balance
  • 2018 or 2019 Annual tax return
  • 2018 or 2019 Quarterly tax returns
  • Confirmation of ownership of the business on the business certificate of formation
  • Documentation of the payroll
  • Articles of organization
  • Operating Agreement (for LLCs, not required if not available)
  • By-laws (for corporations, not required if not available)
  • North American Industry Classification System (NAICS) Code (

SBA Express Bridge Loans 

Express IconExpress Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly. These loans can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing and can be a term loans or used to bridge the gap while applying for a direct SBA Economic Injury Disaster loan. If a small business has an urgent need for cash while waiting for decision and disbursement on an Economic Injury Disaster Loan, they may qualify for an SBA Express Disaster Bridge Loan.


  • Up to $25,000
  • Fast turnaround
  • Will be repaid in full or in part by proceeds from the EIDL loan

SBA Express Bridge Loan Lenders

Deferment of existing SBA loans 

Debt Relief IconIf you have an existing business loan through SBA, The SBA Debt Relief program provides a reprieve to small businesses as they overcome the challenges created by this health crisis. If you have an existing loan with SBA, under the SBA Debt Relief program: 

  • The SBA will also pay the principal and interest of new 7(a) loans issued prior to September 27, 2020. 

  • The SBA will pay the principal and interest of current 7(a) loans for a period of six months. 

If you have questions about this, please call the lender that provided your SBA loan.