Get financing today!
Monday - Friday | 9AM - 6PM EST

New $10,000 EIDL Grants: Do You Qualify?

New $10,000 EIDL Grants: Do You Qualify?

New $10,000 EIDL Grants: Do You Qualify?

 

Update February 4, 2021. The Economic Aid Act includes additional funding for Economic Injury Disaster Loan (EIDL) loans and grants. This article includes information about the Targeted EIDL grant application process provided by the SBA.

PPP Applications are Now Being Accepted

PPP Applications are Now Being Accepted

Complete your PPP Application in 15 minutes or less.

Nav has partnered with multiple National and Regional lenders including the number one SBA loan origination software and services partner.

Get Started

Congress has allocated another $20 billion in EIDL grants (advances) in the new stimulus bill. By way of background, the CARES Act that was passed March 27, 2020 included a grant (or advance) for those who applied for an EIDL loan, in the amount of up to $10,000. The SBA later determined that those grants would be made in an amount of $1000 per employee. Many business owners who didn’t get the full $10,000 grant felt cheated. In addition, the funds available for grants were exhausted before all eligible businesses received them. This new legislation offers the opportunity for eligible small business owners to get the full $10,000 grant.

Check Your EIDL Credit Score

Check Your EIDL Credit Score

With Nav you can verify that your credit score is above the minimum credit score required for an eidl loan. *You get free access to your business credit reports and scores when you sign up for a free Nav account. Checking won't hurt your credit scores.

Sign Up

If you are not familiar with Economic Injury Disaster Loans (EIDL) or grants due to the COVID-19 crisis, we recommend you read this article first.

Please keep in mind this information is changing rapidly and is based on our current understanding of the programs. It can and likely will change. Although we will be monitoring and updating this as new information becomes available, please do not rely solely on this for your financial decisions. We encourage you to consult with your lawyers, CPAs and Financial Advisors. To review your real-time funding options with one of Nav’s lending experts, please contact us.

Do I qualify for the new targeted EIDL grant?

Targeted EIDL advances (grants) are an extension of the emergency EIDL grants in the CARES Act, but the requirements are somewhat different.

Important: Only businesses that previously applied for an emergency EIDL advance (grant) and meet the new criteria will be eligible for the Targeted EIDL advance (grant).

To qualify for the full targeted $10,000 EIDL grant, a business must: 

  • Be located in a low-income community, and
  • Have suffered an economic loss greater than 30%, and
  • Employ not more than 300 employees

In addition, the business must qualify as an eligible entity as defined in the CARES Act:  

  • A small business, cooperative, ESOP Tribal concern, with fewer than 500 employees* 
  • An individual who operates under as a sole proprietorship, with or without employees, or as an independent contractor; or
  • A private non-profit or small agricultural cooperative.
  • The business must have been in operation by January 31, 2020
  • The business must be directly affected by COVID-19

Economic loss is defined as “the amount by which the gross receipts of the covered entity declined during an 8-week period between March 2, 2020, and December 17, 2021, relative to a comparable 8-week period immediately preceding March 2, 2020, or during 2019.”  The SBA will come up with a formula for seasonal businesses.  SBA states that potentially eligible applicants “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.”  

A low income community is defined in Section 45D(e) of the Internal Revenue Code of 7 1986 as follows: 

“The term “low-income community” means any population census tract if the poverty rate for such tract is at least 20 percent, or in the case of a tract not located within a metropolitan area, the median family income for such tract does not exceed 80 percent of statewide median family income, or in the case of a tract located within a metropolitan area, the median family income for such tract does not exceed 80 percent of the greater of statewide median family income or the metropolitan area median family income.” (There are some additional ways areas may qualify as a low-income community in that reference.)

This tool from Census may help you understand if your business is located in a low-income community.  However, we recommend you do not rely on it to determine if you qualify. The SBA states that “additional details on how SBA will identify low-income communities will be available soon on www.sba.gov/coronavirusrelief.”

How do I demonstrate the economic loss? 

Getting your tax documents organized and up to date will be essential to applying for this grant and demonstrating you qualify. 

In a recent FAQ document the SBA explains that “applicants who meet the low-income community criteria will be asked to provide gross monthly revenue for January 2019 through the most recent month-to-date period (all forms of combined monthly earnings received, such as profits or salaries) to confirm the reduction in revenue. 

The SBA recommends that you get your tax filing completed as soon as possible because you will be required to provide your business’ monthly gross receipts for each month from January 2019 through the most recent month-to-date period. This information will be used to determine that your business meets the greater than 30 percent reduction in revenue requirement during an 8-week period beginning on March 2, 2020. 

Are EIDL grants taxable?

Good news! The new legislation clarifies that EIDL grants are not taxable, that businesses who receive them will not be denied a tax deduction for qualified expenses paid for with those funds, and that EIDL grants will not be deducted from PPP for loan forgiveness purposes. This applies to all EIDL grants, including those already received.

How do I apply for these new targeted EIDL grants?

You do not start an application on the SBA website. The SBA will reach out to you by email to apply. As a reminder, only applicants who previously applied for an EIDL advance and received less than $10,000 or did not receive a grant because funds were exhausted will potentially qualify for this grant. There is nothing you can do until you are notified by the SBA that you may qualify.

Important! Check your spam folder for email from the SBA and watch out for scams.  The SBA will be contacting previous applicants directly by SBA via email in the coming weeks with instructions to determine eligibility and submit documentation. The SBA advises:

All communications from SBA will be sent from an official government email with an @sba.gov ending. Please do not send sensitive information via email to any address that does not end in @sba.gov.

SBA has begun contacting EIDL applicants that already received a partial EIDL Advance (i.e. between $1,000 – $9,000). This process may take some time, so do not be alarmed if you have not yet received an email. After that it will reach out to those who applied for EIDL assistance on or before December 27, 2020, but did not receive an EIDL Advance because funds were exhausted.

Will I have to reapply if I got an EIDL grant for less than $10,000? 

Again, the SBA will contact you by email. Do not fill out a new EIDL application if you applied before. It will only create a duplicate application.

If you already applied for an EIDL loan or grant, the SBA will reach out to you directly by email with more information about how to apply for the full grant if you qualify based on location in a low-income community.  You will be required to demonstrate the 30% reduction in revenue. The SBA advises that All applicants may be asked to provide an IRS Form 4506-T to allow SBA to request tax return information on the applicant’s behalf.

Can I reapply or get a second EIDL loan? 

It does not appear you can get a second EIDL loan. However, if you already applied for an EIDL loan and were not approved, or if you need additional loan funds, you have six months from the date of the decline letter to apply for reconsideration. Do not fill out a brand new application; it is just going to result in a notification that your application is a duplicate. 

Send your reconsideration request to pdcrecons@sba.gov. If you prefer to mail it, send it to: U.S. Small Business Administration Disaster Assistance Processing & Disbursement Center 14925 Kingsport Road FortWorth, Texas 76155. The SBA instructs you to include your application number and any information you may have that will help overcome the reason for decline. 

What if I never applied for EIDL?

If you have not previously applied for EIDL, you may apply at SBA.gov. You will be able to apply for the low interest rate EIDL loan through December 31, 2021 as long as funds are available. However you will not be considered for an EIDL advance (grant) at this time.

Can I also apply for a Paycheck Protection Program (PPP) loan?

Yes! In addition to the EIDL grants your business may qualify for a PPP loan. These loans may be fully forgiven if they are spent on the right expenses (primarily payroll) which essentially turns them into a grant. Businesses may apply for both PPP and EIDL if they qualify.

Where can I get help filling out the EIDL application?

We recommend you connect with your local SBA resource partner such as SCORE, Small Business Development Center or Women’s Business Center. Many are providing free help and education for EIDL grants and loans.  Find local assistance at SBA.gov/local-assistance.

Do you want to apply for a new PPP loan?

Do you want to apply for a new PPP loan?

Complete your PPP Application in 15 minutes or less. Nav has partnered with multiple National and Regional lenders including the number one SBA loan origination software and services partner.

Get matched

 

This article was originally written on December 22, 2020 and updated on February 5, 2021.

Rate This Article

This article currently has 1217 ratings with an average of 4.5 stars.

ABOUT AUTHOR

Gerri Detweiler

Education Director for Nav

Credit expert Gerri Detweiler is Education Director for Nav. She has more than three decades of experience in consumer credit education, has been interviewed in more than 3500 news stories, and answered over 10,000 credit questions online. Her articles have been widely syndicated on sites such as MSN, Forbes, and MarketWatch. She is the author or coauthor of five books, including Finance Your Own Business: Get on the Financing Fast Track. She has testified before Congress on consumer credit legislation.

Have at it! We'd love to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and protect yourself. Refrain from posting overtly promotional content, and avoid disclosing personal information such as bank account or phone numbers.

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.

Leave a Reply

Your email address will not be published. Required fields are marked *

712 responses to “New $10,000 EIDL Grants: Do You Qualify?

  1. when I apply for targeted EIDL, Do I have to include the money I got from the EDD in the monthly gross receipts period.

  2. The accountant that processed my EIDL application put the wrong bank acct info, email, telephone number and other incorrect info on my application. I received a denial letter stating that they were not able to confirm information on application. This was back in 2020.
    Who do you think i could contact to explain my situation.
    Thank you for your article.

    1. Trisha – You must have applied in 2020 to be considered for the Targeted EIDL grant. If you did not apply for it then you cannot apply now for the first time. Also you mention being disabled and unable to work. Are you self-employed? This program is for those who have a business or are independent contractors.

  3. Hello I’m not sure of how to apply for the ppp , or what I may need to receive a grant/ loan for my small business. I work by myself until when I receive a better contract for me to hire workers . But in the mean time I have possible contracts coming up , and I’m in need of new equipment and materials . Since I created my business back in 2005 I landed my first job in 2009 , its really hard to offer this kinda service when everyone has everything covered . But with my own equipment and materials I can better move around to different areas travel to other locations outside of my current area . The 10 , 000 will be a great help for my business .

  4. I started my business on may 2019 therefore I don’t have 24 bank statements, do I still qualify for the targeted advanced grant?

  5. Thank you for sharing that information. Since I am self employed I work in different areas some of which are poverty areas but my home address is my business address and I’m not sure if my neighborhood would be considered a poverty area. How do they take that into account when deciding who gets the second grant?

    1. Denise – The SBA hasn’t released the details on how they are determining the low-income areas. My understanding though is that it will be based on your business address, which in your case is your home address.

  6. I want to apply for the Ppp loan but I didnt file any taxes last year and I dont have any employees but I cant seem to get passes that part!

    1. You can apply based on your 2020 tax return if you show a profit on your schedule c line 31. You can complete a tentative schedule c if necessary. Currently if line 31 shows no profit (or a loss) you are not eligible. Today, February 22, 2021 the White House says there will be some changes to PPP that may help you but we don’t have details yet. When we do we will update this article.

  7. I have a few questions considering eligibility of a PPP and or EDIL? I’m just seeing if I qualify as an Independant contractor of which I’d done work for other people/customers. As well I’d been working on opening my own small business as covid came in and has financially stalled (work with clients/customers) and opening my small business/nonprofit community farm to table co-op. I used my own funds and had hired extra help as well purchased building materials etc and did a majority of the work myself. I have a business/residential property that is in a commercial zoned area and 1/2 of my rent and common utility bills support my business end too and the other 1/2 my residential. So I’m unclear if i qualify for a PPP and or an EDIL form being an independent self contractor by customers, building a business and contracting out work for the building of a business and doing majority of the costs and work myself? Ive had .coms though not an up and running website. I’m also over the last several months 7-8, been working with SBA in my area for business start up loans as Financially i cant exhaust anymore of my personal funds and with no self contracting available with worries of pandemic I’m not getting contracted by customers either. I’m hoping in some format I can find help/support in all I’ve exhausted into creating and building a small business and nonprofit and the property i rent before i end up losing it all. I look forward to hearing a reply and some well needed guidance and answers to my concerns and questions. Thanks much <3

  8. I was denied a sba loan last year and my business was dissolved. I received an email for the targeted advancement. Am I still eligible for the loan?

  9. What if I started my small business in 2019 and I didn’t file taxes because I’m I was forced out of my residence in early 2020 and the new ok wner destroyed all my legal documents and I had no legal financial institution and during that year.

  10. I received $20500 in June last year. My business is connected to the airlines I am a worse position now than this time last year, but now the SBA want the loan repaid. I did get $2000 advance I hope I can get increase on advance or grant whatever they call it.

  11. What if you see your business name on the list for bail out loan and you didn’t apply and receive it how can you trace it

  12. I got the email early this morning about the targeted Eidl. I only received 1k grant the first time so Lord willing I get the other 9k. Thanks for all the updates.

    1. Started my business March 5 2020;got a grant 1000 got a loan 1000 made 4000 only because buisness pick up didn’t report my earnings to the irs yet or get any forms wat do I do to be eligible for alone loan

      1. I am not sure I understand your question Dawn. If you already got an EIDL loan my understanding is that you cannot get a second one. But it sounds like you got a $1000 EIDL grant – correct? If so you may be invited by the SBA to apply for the Targeted Grant of $10,000 (minus the $1000 you already got). You have to wait until you get an email from the SBA to apply for it. They’ve just started notifying businesses but it will take some time before all are notified. Since your business is still struggling I’d really encourage you to reach out to your local SBA resource partner such as your SBDC or SCORE. They offer free assistance to small business owners. Find your local office here.

  13. The big question is do Unemployment benefits get listed in the Gross Receipts for income that you must provide in the 2nd round application. Will those PUA benefits be reflected in the 30% decrease as that was the only income for many months but interferes with my 8 week loss count.

  14. HI I HAVE QUS I received a message today from SBA FOR 10000 EIDL GRANT BUT I DONT HAVE 2019 TAX RUTERN I CAN USE 2020 THX

  15. For the new targeted EIDL advance, do gross receipts include state and local grants. We received PA COVID Funds and local grants, which are taxable sources of income. Grant funds are not specifically mentioned on the SBA FAQ under definition of gross receipts, but the application states income from “whatever source”. Thank you

    1. I wish I had the answer! For PPP the SBA says not to include forgiven PPP in gross revenues but I don’t see a further breakdown for this. I will see if I can get more information from SBA. In the meantime if you have been invited to apply I’d encourage you to reach out to the SBA and see what they say. If you get an answer, please share! You can call SBA at 800-659-2955 or email disastercustomerservice@sba.gov.

  16. My comment is that we are a small LLC and are eligible for only very small loans. Loans that are insufficient to help in the long term. Small businesses are hardest hit and get the least assistance. Our local older gentlemen bankers are not eager to assist when we seek other sources.

  17. Hi I’ve gotten a email from sba around the 17 of January 2021 , talking about the targeted eidl so I’m waiting to here what’s going on . I applied back in August 2020 .

  18. Yes I’ve applied but haven’t received anything . Do Facebook have a grant program ? I was offered 10,000 through this program but I wasn’t for sure about it and they didn’t say if they were part of sba or with the sba .

    1. Hi I’ve gotten a email from sba around the 17 of January 2021 , talking about the targeted eidl so I’m waiting to here what’s going on . I applied back in August 2020 . I’m the owner of my business. I run a cleaning service , I provide services to businesses for a monthly fee. But I didn’t have any on going work back in 2019 and 2020. Work was really slow so I was doing odd jobs cleaning up a few houses when I can get a job. My last job was for 3 1/2 years .

      1. I am still waiting on an email to apply for my small business loan. I have ran my business since 2017 but since March of 2020 my business revenue fell. I just wonder what’s taking so long to receive my email to be able to apply. What can I do to expedite the process? Thank you.

        1. They have just started sending them out Candace and there are thousands that need to be sent. The SBA is going to try to evaluate all those who respond within a few weeks, so I imagine they are trying to make sure they have the capacity to respond to the requests they get. know it’s hard to wait but hopefully you’ll hear from them soon.

  19. So if your business is not located in a “low income area” and you did receive a partial grant in the past, You will not ever get the rest of the grant??? That is so unfair.

    1. Yes that’s how Congress designed this round. I would encourage you to reach out to your elected officials in Washington with your concerns as there is another round of stimulus being debated.

  20. If I applied for eidl grant in Jan. 2021, they processed it as a loan and denied me. When the next eidl grant is open can I apply should I reapply or will they consider the first application or is there something g else I should do.

  21. I have applied for SBA. And then was told they ran out of fundsI couldn’t get help from no one I own my own chid care business.I desperately need this Grant our children are our futureThis COVID has hurt my business please

    1. Joann – Three suggestions:

      1. Keep your eye on your email. The SBA may contact you to let you know you may qualify for the Targeted EIDL grant described in this article.
      2. The stimulus bill passed Dec. 27, 2020 included funding for childcare businesses. Unfortunately I don’t know much about it. I’d suggest you contact your SBA resource partner (SCORE/SBDC) to find out what may be available to your business.
      3. Contact your elected officials in Washington – both of your Senators and your Representative. The Administration is proposing more grants for small business and your elected officials need to hear from you.

    2. I applied and was declined because of my credit score but my score has went up will I be reconsidered or do I need to reapply?

      1. You may be considered for the Targeted Grant (I don’t find the guidance 100% clear on people who didn’t get anything in the first round due to credit) but for the loan you need to apply for reconsideration. I don’t think it would hurt to apply for reconsideration as described in the article. You can always say no to the loan if you decide you don’t want it.

  22. I want to get a 2nd EIDL loan and it looks like from the info here that I send an email to the email you provided asking for an additional amount of money on my 1st EIDL and include my 1st EIDL loan number?

    1. Since you are asking for more money on your first EIDL loan, it may make things easier to call the SBA and ask them if and how you can apply for additional money from your first loan. You can call SBA at 800-659-2955.

  23. Hello Gerri –

    Can you offer any suggestions on how those of us who received a partial EIDL grant payment and who qualify currently for the new round of funding / grants or remaining $10,000 – can go about proving or showing the 30% reduction in revenue? I do a meal prep business and was paid mostly thru cash or PayPal payments.
    I know the SBA will give us ‘guidance’ but if they request documentation, how should one prepare?

    1. The best advice I can give you is to get your business bookkeeping up to date. With PPP you can provide business bank statements or other proof of revenues so I assume it will be similar here though I can’t say for sure yet. If you have Paypal statements that may help but I’m not sure about the cash payments your business receives. Hopefully they are going into a business bank account; if not, I’d recommend that going forward.

  24. Will the SBA allow for applicants who have not applied already for EIDL funding to apply for and EIDL loan and EIDL grant? Or is the grant solely for this who did not receive the full $10,000 disbursement?

      1. Thank you. Is this to prioritize work for the SBA or going to be the standard going forward? because the sba only allowed farmers for a time?

  25. Do you have to have a business checking account when applying for the EIDL loan and grant? I have been a sole proprietor for 3 years and have been using a normal checking account for my business. It’s a separate checking account but it is just a regular checking account.

    1. Rick – Technically no but we highly recommend you start using a business bank account. A few applicants have reported issues with a personal account. (Also note this story has been updated to note they are not taking grant applications from new applicants.)

  26. Hi. Thank you so much for doing this site. I am a sole proprieter, the business is just myself, I am a fine art landscape photographer and my business has dropped to near zero since last March when I had to close my studio/gallery, and it is still closed. (My wife and I are both over 65 and high risk). I got the EIDL grant the first time but only got $1000 since I am the only employee. I was offered a loan but declined, and also got a PPP loan for 2.5 times my monthly net income, which in 2019 only amounted to a loan of $2100, am still waiting to hear if it will be forgiven but was told it should be, have filled out all applications and the funds are spent. My business qualifies for the low income by having 22% of the population in my census district below the poverty line, and I have no problem qualifying on the 30% income reduction, it was more like 90%, business lost money in 2020. Schedule C is filled out for 2020, not submitted yet, plan to do it by the end of Jan, waiting to see if there are any changes to reporting and 1040’s. Do you think I will qualify for the $9000 on the grant that I didn’t get the first time around? It would be a lifesaver for my business. Do I need to do anything? I keep waiting to here more about the EIDL, but am hearing just wait. I already put in my application for the second round of PPP loan, same amount as before is what I requested. Thanks for your help.

  27. Hi, and thank you so much for being such a wonderful resource.

    I have 5 employees and got a $5,000 EIDL Grant in the first round. Since “Any EIDL Grant (not loan) previously received will be subtracted from the $10,000 EIDL Grant,” I guess I will not be eligible for more EIDL Grant money – is that right?

    1. I’m not so sure Bradley. The way I read the legislation, if you qualify for the targeted grant (low-income community, 30% revenue reduction) you may be able to get the difference between $10,000 and $5000. Hopefully we’ll know more soon!

  28. my question,I have 3 employees and applied for loan and grant , I was turned down for loan but received grant for 3000, am I understanding this correctly that I can apply for the difference of 7000.or is this wishfull thinking?

    1. Jim – You may. From what I understand at this point you’d need to meet the new requirements of the targeted grant (30% revenue reduction, low-income community) but if you do it sounds like you may be eligible for the full grant. That said, the original CARES Act made it sound like you could get $10,000 then SBA administered it at $1000 per employee. So until we get guidance from the SBA I have to remain a bit vague!

  29. You are really good at this and its been the best explanation for these options for the public to apply for these moneys available. I have been very confused and this assisted me to get started and hopefully I will be successful. Thank you for your help.

  30. Good Evening!

    I have a question. It was mentioned in the post that “The legislation says that a qualified business (“covered entity”) may submit a request to the SBA Administrator and receive the full $10,000 EIDL grant regardless of whether their application for an EIDL is or was approved,” they accepted an EIDL loan, or they previously received a PPP loan.” Was this cited someplace or was this something that was spoken? If it is written, would you please direct me to it’s location? I’m also wondering if the request needs to be written, sent through email or a portal. I did some researching and found the definition of “covered entity” within CFR but, still need clarification on the request process.

    My Best,

    Max

    1. The general procedures for requesting the grant are in HR133 (start on page 862 of the PDF). The next step is for the SBA to issue guidance to implement then. To my knowledge they have not done so yet so my understanding is there is nothing you can do yet.

    1. Jamal – I update the article after a conversation with the SBA. They have only opened the portal for EIDL LOANS – not the targeted grant. We are still waiting to get instructions for the grant. Unfortunately they were not able to provide a date.

  31. I applied for loan recieved 1000 grant was approved for loan but did not take it. If I get the remaining 9000 does this mean I have to submit financials each year by march to the sba and that they ha e the right to audit me. This is if I do not take any type of loan just the grant.

    1. Tena – Until they come out with guidance I am not certain. I believe they can still audit use of the grant funds but I am not aware of a requirement to provide annual financials just for the grant.

  32. I received an EIDL loan for $79k in Sept. Am I eligible for an additional loan? A company called and said I was eligible for $150k and I would receive the difference

    1. I would be very leery of someone who called you stating that. It sounds like a scam. As mentioned in the article, if you still need more funds you can contact the SBA directly to see whether you may be eligible.

  33. Thanks for this much needed information. I own a small business bills bike shop est 07.I bought bills bike shop in June 2018. I’m broke and struggling to pay my bills concerning my business. I meet all the quitarty to get the loan I guess he’ll I don’t know.Thank u for all ur effort in putting this on the enter net.

    1. Sandra – the fact that you live together should not be relevant (although it could potentially trigger a fraud review.) If these are separate businesses that file their own tax returns then you should apply for separate loans.

  34. Hi there, I had seen a lot of different information regarding the new loan advances so I called the EIDL contact number to ask about the program(when it would be available, how much I qualify for, etc.). The lady on the phone told me that there was no new EIDL Advance and that it was not going to be reopened since it had closed last year. I was wondering if you could provide me with the sources where you found the information on the new Advance Grant program. I have seen a ton of websites saying that it is a thing but now I am concerned since someone at the EIDL office said it was not. Hopefully she was wrong but it would help to see the actual guidance from the SBA.

    Thanks!

    1. Hi Zach – It’s confusing. The EIDL advance is apparently not going to reopen but the Targeted EIDL grant described in this article will. (That’s part of the stimulus legislation that became law Dec 27, 2020. You can read it here starting on page 862 of the PDF.) Part of the confusion was that the legislation included appropriations for the section of the law that created the advance in the CARES Act but the SBA rep I spoke with last week said that is for EIDL loans, not advances. So we’ll still need to wait for guidance from SBA about how and when these Targeted EIDL grants will open up.

  35. “Any EIDL Grant (not loan) previously received will be subtracted from the $10,000 EIDL Grant” – I have 5 employees and got a $5,000 EIDL Grant in the first round. Would that disqualify me from getting another EIDL Grant? Thx.

  36. I was approved for the EIDL and an advance of $3,000. Supposedly, the $3,000 never came due to bank misinformation, yet my PPP and EIDL amounts went through. So my question is will I be able to apply for the grant this second time around? Or do I have to request the $3,000 that never came? I need some clarification.

    1. You should have your 2019 business tax return and if you can get one for 2020 together that may help but I doubt it will be required this early in the year. We don’t have a lot of specifics yet though. In the past they have checked credit.

  37. Hi- I received an EIDL $1000 grant in Q2 of 2020. I subsequently (after reconsideration application) received and EIDL loan in Q4 of 2020. Can I apply for $9000 of the loan to be considered a grant (bringing me up to the $10K grant threshold) instead of a loan? Thoughts appreciated.

  38. I understand other people that didn’t get the 10K or the remainder from the first time around. But the people who do have a business & got their Grant first time around should definitely get the 10K again. We’re still suffering too!

  39. Thank Gerri for a great article. My nail salon just in business since Dec/18/2019. We didn’t have much gross income since we was in business for less than 10 days in 2019, but we till have a 2019 tax return. Now I could not prove that my business decline 25% to qualifier for second round of PPP. My first applied for the EIDL loan was declined because my gross receipt even less than my EIDL advance. Here their original Declined letter :
    “1. Your economic injury is less than the amount you received from the EIDL Advance. As a result,
    we are unable to substantiate any additional eligibility at this time.
    2. The information you submitted does not indicate an economic injury.”

    Do you know some one might help my business in this case ?
    Thank You
    Kevin Le

      1. Yes I was denied the first round PPP everywhere I applied because I had a loss on my 2019 schedule c – because I opened at the end of the year. Finally one lender helped me and we got it, bit lenders make it so difficult for businesses that weren’t operational in 2019. Now they want us to show quarter losses from 2019 compared to 2020, when those of us with only 2020 numbers are supposed to be able to compare quarters within the year. There’s no accomodations for this with any lenders that I’ve looked at so far.

        1. I’m sorry to hear you have so much trouble getting the assistance your business needs. Unfortunately lenders have to go with the requirements spelled out in the legislation. (It’s Congress, not the individual lenders, who came up with these requirements.) My best suggestion is to contact your elected officials in Washington. There is already talk of more stimulus programs with the new administration.

  40. I applied for the EIDL advance grant ad loan back in June of 2020 I never got the advance grant ad got told I couldn’t get the loan Cuzz of. Credit history my question is my son in law got the advance grant but no loan Cuzz of his credit history my question is wasn’t anyone that applied for the advance grant was to get it regardless if they were approved for the loan or if they accepted the loan ad will I get it this time

  41. Hello,

    I filed out a EIDL application, early – on 01/12/2021, I didn’t realize I was supposed to wait until the 17th, can I still move forward with my application and then apply for the grant or should I just not create my online account and wait for the 17th and reapply?

    1. Jau – I know it’s hard when your business needs the help but try not to get too stressed out yet. We don’t have instructions or guidance from the SBA yet on the application process for the new targeted so I can’t advise one way or the other. You can wait for further guidance which should be coming soon (!) or you can reach out to the SBA: For help with applying for an Economic Injury Disaster Loan, call 800-659-2955 or email disastercustomerservice@sba.gov. (I’m not sure they have much information yet either but you can always try!)

  42. I applied back in 1st round and got the $10k grant. I was approved for $271k loan and then days before money was released they capped the program to $150k, so that’s all I received, And I never would have thought this pandemic would have carried on all this time. But my original amount would be very helpful for the continued success of my business. Have you heard anything about getting the original amount you were approved for since that was based on your actual financials?

  43. Hello there!

    I have a question about the eligibility for new business when applying tor the EIDL: I paid for the formation of my LLC via Rocket Lawyer on January 1st, 2020 but I did not receive my final registration paperwork until February 2nd, 2020. Technically, I was “in business” before the January 31st deadline, but I understand a lender may have alternative interpretation of the requirements. Will I still qualify for the EIDL?

    Thanks for your time!

  44. Hello! I have a question about the eligibility for new business when applying tor the EIDL: I paid for the formation of my LLC on January 1st, 2020 but did not receive my actual registration paperwork until February 2nd, 2020. Although I was “in business” before the January 31st deadline, on paper it says February 2nd, 2020. Will I still qualify for the EIDL?

    Thanks for your time!

    1. I applied for EIDL in April 2020 and never received an answer let alone a dime. I was approved for a PPP LOAN and never received it either. The financial industry was advertising to apply for PPP with several banks and SBA penalized me for getting approval for more then one and canceled both! Checked on EIDL late 2020 before money dried up…said still reviewing my application. I also had several applications to which they cancelled all but one. Never RECEIVED A RED cent from ANYONE!!!!

    1. EIDL is open but my understanding is that is only for new applicants – not for those who already applied for EIDL and are hoping for the targeted grants. You can apply for PPP now. The SBA portal is opening over this week (with certain applications going first.)

      1. Yes i applied in June of 2020 for the advance Eidl grant ad loan I was never given the grant ad was told due to my credit I couldn’t get the loan
        On their site ad by congress anyone that meet the qualification could get the advance regardless if they were eligible for the loan
        I know many business that applied got the grant ad was told no to credit so I’m ble to get the grant now in this new bill my application is still with them cause I reapplied on Jan 8th 2021 ad was told I had a application on file ad that they was going to dis regard that one

  45. We got a SBA loan in the first round but we did not get the grant funds. We received a loan that was less then we could have received. I did not ask for the grant which was an error on my part. Can we apply for the grant on the second go around?

  46. GERRI 🙂 Your video was extremely helpful, thank you so much.
    My questions are regarding the gross receipts for the two 8-week periods.

    1.  Confirming: that the two 8-week periods would be something like:
    (5–10-19 – 7-10-19) vs (5-10-20 – 7-10-20)
    Meaning, the exact same 8-weeks, different years.

    2. My business gratefully received the $1K EIDL. Does that dollar amount need to be included in the 8-week period?

    3.  What documents should I prepare to show these two 8-week periods?

    I’m new to you and Nav, and I thank you so much for helping with this.

    1. 1. That is my understanding but we haven’t seen detailed guidance from the SBA yet. Hopefully soon!
      2. I don’t think so but I haven’t seen specific guidance on this. (Oddly EIDL grants weren’t mentioned in the PPP guidance for gross receipts even though it clearly excluded forgiven PPP loans from cross receipts.)
      3. We don’t know the documentation requirements yet so my best advice is to have your business bookkeeping up to date.

  47. Hello,
    I’m not in a “Low income” area? Is there anything written about NON low income area businesses receiving a Grant? Low income area businesses aren’t the only ones suffering.

    1. PJ – I’d encourage you to wait until we get more guidance from the SBA. It’s possible you will still be eligible for the original EIDL grant of $1000 per employee. Also have you checked into PPP? Those loans are 100% forgivable if spent properly which essentially turns them into a grant.

      1. Thank you for responding
        My business was Opened around April of 2020, the Pandemic was just gearing up and my State was soon ordered a Stay in place. My new business has been in the RED since day one. Due to my business start date, I don’t think I qualify for a PPP loan.

        1. If you are self-employed with no employees and your business does not show a profit on Schedule C line 31 you are not eligible for PPP unfortunately. And last time the business had to be operational by January 31 2020 to apply for EIDL. That date could change so I’d recommend checking back here over the next couple of week – hopefully we will have more guidance soon.

    1. It currently is a check box at the end of the EIDL application. You can go through the application online and not submit it if you want to see what’s asked. If you have already applied for EIDL in the past I suggest you check with SBA before applying again as it may create a duplicate application.

  48. I have a single-member LLC. I applied for the first round of PPP and was approved for a loan but did not want to take the loan at the time. I did however receive $1000 of the EIDL advance. My question is, do I need to reapply to receive the remainder of the $10,000 advance? Also, if I did want to reconsider the loan would I need to reapply for the loan again? I I am unclear about the forgiveness guidelines for single-member LLC since majority of the portion of the funds that need to be used are for employee retention salaries I believe, would this constitute paying myself? Thank you!

    1. As I mentioned in the article Elliot we don’t know the procedure yet for requesting the additional EIDL grant funds. Hopefully the SBA will release guidance soon. It is NOT my understanding that you need to reapply for the loan.

      As for PPP forgiveness, you may qualify based solely on payroll. It doesn’t have to be exactly 60%. We’ve written a lot of articles about PPP – you can start with this one.

  49. If I recieved the $1000 grant I heard I dont have to do nothing and will get the amount of $9000 is that true just wondering because I heard I can not apply again and I should of got the full $10000.

    1. Brandon – you may qualify for the full $10000 if you meet the requirements we spelled out in this article. It’s not necessarily true you don’t have to do anything – we don’t know yet. We are waiting for further instruction from the SBA.

  50. Hi. If I’m a sole proprietor, independent contractor and never got the 1000 advance this time around would I receive just 1000 or 10,000? Trying to figure out if the new advance of 10,000 is for each person or a business with 10 employees? Also my husband got the 1000 advance for his business which he is the only employee is he elegible to get 1,000 or or 9,000 more ?

    1. The new targeted $10,000 is not based on number of employees. But you have to meet the new qualifications (low income, 30% economic impact). If he already got $1000 then my understanding is he may be eligible for up to $10,000 total – the $1000 grant he got would be subtracted.

  51. I would like to apply for the EIDL grant i own a small rental lost money because of the corvona i am the only one no empolies

  52. Funds ran out when I last tried to apply for the EDIL grant. I would like to qualify for the grant now before the deadline.

  53. Hi! I applied for the EIDL on June 28th. I received a request to update my information and after updating, I was offered a loan but never received the advance. My question, is now that six months have passed, do I start a new application, or do I have to ‘request reconsideration’?

    1. Kari – Reconsideration is for a loan that was denied. Since you were approved you would not ask for reconsideration. As for the grant, we don’t know the procedure yet for requesting the grant if you already applied but didn’t receive yet. We should know more soon.

  54. I’m a new business owner sole ownership with no employees will I be eligible for the new stimulus package on January 17th

    1. Gerald – Sole proprietors with no employees may be eligible for EIDL and PPP if you otherwise qualify. However, you mentioned “new” but that’s another story. Your business must be operational by February 15, 2020 to apply for PPP. And under the current rules your business must be operational by January 31, 2020 to apply for EIDL.

      1. C&J concrete creations they saidI I was going to get mine last time promised my guy and all never did show up please help

      2. I got the loan but not the advance and I ✔️ the box for the advance but funding had run out will I need to apply for the advance? I’m dying down here in New Orleans

        1. I’m sorry to hear how rough it’s been Andrew. As I mention in the article we don’t know the procedure yet to apply for the grant if you already applied previously. SBA should put out guidance soon.

    2. I’m just looking for some financial help since I never got either stimulus payment. Idk what to do to receive any money.

  55. I’ve been doing my company for 25 years and since it’s pandemic I have lost my business employees because can’t go in people’s houses cuz I remodel homes and fix houses for the elderly now can’t go inside because I can’t wear masks am I eligible for this grant

  56. I have a question, if I applied just one day before the funds ran out and they didn’t give me the grand for that reason, do I have the right to get those 1000 that they didn’t give me?

    1. I have never applied for the PPP Or EDIL GRANT. I am a single small business in Michigan. It is a 18 hole golf course with a full line restaurant and bar. Been in business for 36 years and this past year and the beginning of this year has been extremely hard. I would like any possibility of recieve any form of much needed help an amount in excess of 6000.00 would be great.

  57. So, If I have never filled out an application for a eidl grant, I can still do that with the older sba application that is still available? And, if I do that, will I have to fill out another one when the new portal is available for the new $10,000 grant? Thank you for your time.

  58. Apologies if this question has been answered. I do not see it. I applied and received a denial letter back on August of 2020. Reason for denial was unsatisfactory credit history.

    I never seen a option for the grant. I believe at that time all funds were allocated.

    My question is that with me having a denial application from back in August will I be eligible for the full grant? I appreciate your time in answering my specific question.

  59. If I applied previously and received $10K in May, do I need to re apply? Thank you for your time and helping so many of us.

    1. Great question Laura. The way I understand the legislation if you got the full $10,000 grant you will not be able to qualify for another grant. But the SBA has worked in mysterious ways before so check back and we will update this article when we have more information.

    1. That’s a great question Brandon. I’ve never been asked that and am not sure. You can call the SBA Disaster Assistance hotline if you are concerned that the funds will not be deposited correctly: 800-659-2955.

    1. As I wrote in the article: We do not know the procedure for requesting the full grant yet. We must wait for guidance from the SBA. We anticipate that will happen sometime in early January 2021. We will monitor the news from the Small Business Administration and will update this article when that information is available.

      In the meantime if you never applied for EIDL that portal is still open at SBA.gov.

  60. Hi,
    In July, I received part of the grant, and I was denied the EIDL loan due to not so good credit (using my ss#). Should I apply again using my business ein number rather than my social? I am legit business, in a targeted/low income area, and ai have passed the 6 month reconsideration mark.

    1. Don’t apply again – you will just get a notice that it’s a duplicate application. You can ask for reconsideration for your first loan and for the targeted grant hold on until we get instructions from SBA. (You can always try contacting the SBA EIDL Disaster Assistance Hotline – I’m pretty sure you are going to hear the same thing but it doesn’t hurt to check.)

  61. Hello , could I apply if I started a business in July of 2020. I couldn’t get my business off the ground due to lack of funds during the pandemic

  62. What are the restrictions on spending the new $10,000 EIDL grants? Do I need to prove what I spend it on? We’d like to use in on rent for a new physical location.

  63. I have a question about this portion “Have suffered an economic loss greater than 30%,”

    does that include unemployment & or other grants received or just income from running ones business?

  64. If you applied for the eidl loan but the grant was not available for you to request it on your application do you have to reapply when the grant is available to request it on your application?

  65. The EIDL Advance is no longer available. When will it be available? Jan 6 or Jan 11? I’m a bit confused about this….

    1. Cuong – We don’t have a specific date yet. What we know is that the SBA has 15 days after the stimulus legislation was enacted to issue regulations, so we should know more next week at the latest.

  66. Good Morning!
    Is the new application up?
    And if so, would applying now qualify me for the grant?
    I want to make sure I am applying for the right one at the right time.

  67. Hey I applied for the SBA grant I got $6000 but was denied for the loan but I tried to redo it again and I received an email stated I have more than 1 applications… so do that mean I can only applied once or will the give me the other $4000 I didn’t receive

  68. Hello, I am a sole independent contractor and got a EIDL grant of 1k, also got a loan of 15k. Can I apply for a new EIDL loan with this new legislation? also can I apply for the 10k, grant and when starts the application? , thank you

  69. Hi, I applied for the loan and grant. I was denied for the loan and I never got the grant. I was told that I would get the grant, but it took months for them to tell me that the money was out. Does this mean I won’t be getting anything or that I can’t apply again? Or would they continue with the normal process and I would just have to wait even longer?

    1. It’s possible you may qualify for the grant you didn’t receive previously but my understanding is you’ll need to meet the new qualifications. I would suggest waiting for the details from the SBA since they haven’t opened up those (re)applications yet. But you are always welcome to contact the SBA at 800-659-2955 or email disastercustomerservice@sba.gov.

  70. I would like to avail the EIDL grant signed last Dec 27, 2020. Please direct me how to apply. I am a sole proprietorship and been affected with COVID~19,1 employee, I hav all the Tax Schedule C to show my 2019 income and profit and loss.

  71. Good Afternoon, I want to make sure that I am clear about the EIDL loan vs grant. If I apply for the EIDL Loan then the grant will cross out the loan for repayment?

    1. Not exactly. What happens is the business applies for an EIDL loan and then checks a box at the end of the application that they want to be considered for the grant. If they get the grant it is deposited separately (usually first). Then when they are offered the loan they can choose to accept part, all or none of it. There’s no subtracting the grant from loan. I hope that makes sense!

    2. Hello Im a single mother of 4 children. I have ran a a, Hawaiian shaved ice and more, for 6 yrs in my community to baseball leagues , churches, and charities. I am need of help at this time of 5000.00!! Can you please help!! Thank you!!

  72. I WAS TRYING TO INQUIRE INFO ABOUT A GOVERNMENT GRANT AND THE NECESSARY STEPS TO GET STARTED APPLYING CORRECTLY.
    DURING THE COVID PANDEMIC, IT WOULD HIGHLY APPRECIATED AND LIFE SUPPORTIVE.
    I AM LEGALLY DISABLED AND TRYING TO ESTABLISH A STURDY HOME BUSINESS, I CAN WORK WITHIN MY ABILITIES APPROVED BY THE STATE OF TEXAS.

    IF I COULD GET A RESPONSE ON HOW TO GO ABOUT AND PROPERLY APPLY, THAT WOULD BE GREAT AND HIGHLY APPRECIATIVE.

  73. thanks for all the info. I have more than one business, and got $150k for one, then the next app didn’t get processed for later and we got $50k – similar stats on the businesses so we assumed they were just running out of funds. No reason given. In the months after, we got different answers, but finally got someone to send us a form to apply for an expansion of our loan (additional funds). Continue to check in every couple of weeks. Do you think this new bill will effect the previous app for additional funds?

    1. I assume it will. I wasn’t completely clear on the appropriations for EIDL though – it wasn’t clear to me reading the legislation if the additional funding was just for the grants or for loans.

  74. Where and how do I apply for the:
    “Economic aid to hard-hit small businesses, nonprofits, and venues act”
    The $15B Grant approved for businesses with live venues.

    Thank You!

  75. Is the New Grant Application posted yet?
    I heard Jan 6th is the day for that and the one that is up now (jan 4) is ONLY for the loan

    1. Not that I have seen. I am not sure where you heard January 6th. The stimulus bill was approved Dec 27 2020 and the SBA has 15 days to issue regulations, so if that’s calendar days they have until January 11th. We are monitoring it and will update this article as soon as we have more information.

      1. Think they’re mixing the deadline up the the PPP loans: “On December 27, 2020 President Trump signed another stimulus bill that includes additional funding for PPP loans. The SBA has until January 6th (ten days after enactment) to issue regulations.”

      1. Hello, So with the new grant for 10,000 you do not need to have 10 or more employees to receive the full 10k? So if u have only one will you still receive the full 10,000 grant?

          1. So if I did not receive a grant the first time around because funds ran out, will I be able to receive it with this new bill? Also, I’d like to apply for a second loan. I received one already for my LLC, but I’d like to apply for another one as a Sole Proprietorship and another for my Amazon business. How can I apply again without them saying that I’m submitting a duplicate application? I still had to enter my Social Security Number and full name even though my first application was for my LLC so how would that work when applying for a second loan? I just don’t want my funds delayed for something that could be easily avoided.

          2. First question you may qualify if you meet the new requirements under the targeted EIDL grant section. Second question – before you apply contact the SBA. Call 800-659-2955 or email disastercustomerservice@sba.gov. You’re right that it could trigger a duplicate business message or even flag it for fraud so get their advice first. Be sure to share what you hear back from them! Also there may be other business owners who dealt with this in our Facebook Group so you may want to post this question there.

      2. yes hello I applied for the grant and loan back in 2020 and I got denied for the loan because of credit but I did get the thousand dollar Grant can I reapply for the rest of the grant now even though I already applied for the loan and Grant in 2020

  76. I crochet blankets and hats and baby blankets and booties and baby hats and scarfs too sometimes I charge people and sometimes I gift products to people for birthday and other holidays too. I have a website and email address and an online store too. Can I apply for the EIDL grants too?

  77. If I had a business prior to covid but didn’t have an llc or anything for it until after January will I still qualify? Per my state I wasn’t required to have an llc to operate my clothing business. But in March I went ahead and got it due to not being able to open a business bank account without an ein # if I had people working for me such as paid models and online sales rep will this still qualify me to be able to get grant/loan as I have maybe since covid made 6 sales and had to try paying out of pocket for the few employees I had.

  78. Hello I Have A eBay Business That I Shut Down Because Of Covid
    I Am On ssdi So eBay Was For Trying To Make Extra Money

  79. Hello, my business has never gotten help and we went from having 30 homes that we did maintenance for to only 10 I need help providing for my family since we are struggling due to the pandemic. Do we have to pay back the grant? I’ve heard we do and I’ve heard we don’t so I am somewhat confused. Thank you. Also, what is the website?

  80. Just got off the phone with a representative named Fred at the SBA. Gov site had received an email stating the application that I submitted is a duplicate and their previous is going to be used from almost a year ago we went round and round them trying to put money in my account never got it done and then told me I was denied now I’m being told there are no grants that this just loans that I’ve got bad information so I read this on your website here and I’m a little bit confused I leave my email below and look forward to possibly hearing from you thank you.

  81. Thanks for the EIDL update Ms Detweiler.

    I was approved the first time around for loan and $1,000 grant many months ago. What are our expectation moving forward and do i need to to anything to receive the balance of the grant?

    Thanks again and be safe!

  82. Hi, are these considered grants or loans? On the application website it says they are no longer doing the EIDL advance, which I believe is the one that doesn’t need paid back. All I see is the application for the normal EIDL.

    1. The program mentioned in this article has not launched yet. Right now you can only apply for the loan but at the end of the application you should see a check box to be considered for a grant. However, that’s only for someone who has not applied before and I don’t know what priority new applicants will get for this round of grant funding. More information to come from SBA soon.

  83. I have 5 employees and got a $5,000 EIDL Grant in the first round. Since “Any EIDL Grant (not loan) previously received will be subtracted from the $10,000 EIDL Grant,” I guess I will not be eligible for more EIDL Grant money – is that right?

  84. Hello, I am an independent contractor and was wondering if I can apply both EIDL grant and PPP at the same time? How possible is to get approved for both the loan as I have very good credit score? Also this would be my first time applying as I didn’t know about when CARES ACT approved these loan for independent contractor back then.I contacted the SBA representative regarding the grant and they don’t have the information yet. How can I be updated with the EIDL grant if available in future? Can you also please let me know if the EIDL is approved will there be still $10,000 or $1,000 grant for independent contractor as I work as an Uber driver? And how much is the interest for EIDL and when do we have to pay back?

    Thank you,
    Sandhya

      1. I messed up and entered the wrong information on my EIDL application. I added 2020 income instead of 2019. Can I fix that?

    1. If you got the full $10,000 EIDL grant already then it’s my understanding that you won’t quaLify for a second one but we’ll know more when the SBA comes out with guidance on this legislation.

      1. Hi I have a small painting busi and make the Same thing I do every year.around 24 to 35,000 a year I had no calls this year no.no income how do I fill out for this and I live in one of the worst part of my city do taxis every year

      2. I applied for eidl loan and was denied due to credit history. The application didnt have the option for the advance. Can i recieve the advance grant even though i was denied the loan???

        1. Michael – It’s possible you may be eligible for the targeted advance if you meet the requirements. As I mention in the article we don’t have specific guidance yet so I can’t be specific. I will update this story when we do.

  85. I think I applied for the EIDL last April but did not get it. My understanding was the money was already exhausted. I don’t want to miss the opportunity for grant money this time.
    I am a small minority owned business. I am SWAM certified. I have suffered greatly from Covid-19. I am a Personal chef/ Caterer. My business has dropped off by 85%. My meals to go which is focused on the elderly has also suffered. Several of my clients have died because of Covid-19. It has been very difficult both financially and emotionally. I could use this grant money to get back on my feet again.

    1. Carmen – I hope you’ll get it this time around! We’ll update this article as soon as new information is available from the SBA. The SBA has 15 days after the date of enactment to issue regulations so my understanding is that we should have more details no later than January 11, 2021.

    2. Do you have to take out a Loan to qualify. I am a own a business with no employees, so did not qualify for anything the first time around. But now I have lost almost all of my clients. Not sure what I need to fill out.

      1. I’m not quite sure I understand your question Beth. Are you trying to get the grant you did not get the first time around when you applied for EIDL? If so then we are waiting for the SBA to explain how to apply for that. (No you do not have to accept a loan to get a grant.)

  86. Thank you for the clarity. I receive the $1,000 from the first offered EIDL grant. I’ll stay vigilant on this topic to proceed in applying for the balance. Appreciate this.

  87. Hello , if I have a full time job ( for 13 yrs now) And I have been a independent contractor ( Uber driver for over 5years now) can I apply for the EIDL GRANT….since the Pandemic i have experienced a lost ….ridership is not as high as it was of course before the covid 29 hit …..as a FYI…I always file my personal income taxes to include reporting and filing my earnings as a independent contractor.

    1. Junita – The application period has been extended to December 31, 2021. Generally the way this program works is you apply for the loan and, if you qualify, you get the grant. Then you may be offered a loan as well. We wrote about that in this article. Independent contractors, including Uber drivers, may apply.

  88. I never applied for the EIDL Grant, but I applied for the loan haven’t gotten it yet, so will I be able to apply for the grant this time around? I didn’t apply for the grant before because, they were out of funds.

    Thanks

    1. When you apply for the loan you are automatically considered for the grant. We should get information from the SBA soon on how to request the full grant if you didn’t receive it the first time around.

  89. What if I was a Uber/Lyft driver as it relates to being located in a low income area. I don’t fit into that category of business like a brick and mortar business who is located in a certain area. I just got in my car and drove all over southern California working for Uber and Lyft. And I have picked up and dropped off passengers in low income areas.

    1. Mitch – Independent contractors may be eligible to apply. However, we’ll need more information from the SBA to understand how the low-income community qualification may apply to situations like yours.

  90. Hello thanks for your information. I have a small painting company and I never got the grant because there was not more founds but I got $8 k eidl loan which I think it was a bit low in comparison with other companies but that’s ok . I never applied for ppp because I didn’t know I can get that too. Now my question is if I can apply for a grand this time and also I would like to apply for a ppp loan . Can I do that? Also can I apply for another eidl loan in casei need it ? Thank you and happy holidays

    1. Yes you can apply for PPP and EIDL if you qualify. Our PPP article is here.

      You may be eligible for the EIDL grant you didn’t get it the first time if you qualify.And you may ask for more money from your first EIDL loan. We don’t know the procedure for requesting the grant you didn’t get the first time around yet. As for requesting more funds from EIDL from your first loan application, you’ll need to ask the SBA. For help with an Economic Injury Disaster Loan, call 800-659-2955 or email disastercustomerservice@sba.gov.

  91. Does working for a staffing agency’s qualify we was impacted we didn’t make what we normally make an my hours where cut I’ve been doing side work and essential work during this pandemic so I a self contractor I also have a in home jewelry business I’ve lost money on I haven’t been able to sell none of my jewelry

  92. Update. I spoke with SBA and was advised to call back next week concerning the grant. (Today’s date: December 30, 2020)

      1. Hi I have a small painting busi and make the Same thing I do every year.around 24 to 35,000 a year I had no calls this year no.no income how do I fill out for this and I live in one of the worst part of my city do taxis every year

  93. Hi my name is Patricia Harvin I am writing to apply for a grant for my business I own a beauty salon and I hoping that I can get a grant of 10000 to help in funding my business.

      1. Tiffany – if you need help with an EIDL application, I suggest you reach out to your regional SBA office, SBDC and/or SCORE. All are SBA resource partners and provide free help to entrepreneurs. They are familiar with these programs. Find your local office here.

  94. Could you please provide a direct link to the SBA’s website specifically covering the topic you discuss here? I received the first EIDL loan and believe I qualify for the second one. I don’t want to apply incorrectly. Thank you for this informative article. I’ve never had a month as bad as December and this would be a saving grace in keeping my business afloat.

  95. Your article states in at least two different places that “new applicants will be able to apply for EIDL grants through December 31, 2020, but we will await guidance from the SBA on how to do this”. December 31, 2020 is tomorrow. You expect guidance from the SBA today? I assume you meant 2021, but you mention December 31, 2020 as the deadline for applying a couple of other times. That means I need to get this done today. At another point in your article, you tell small business owners like myself to wait for guidance from the SBA which you expect in early January. How can we wait if we have to send in our application by tomorrow. PLEASE ANSWER THIS RIGHT AWAY, TODAY DECEMBER 30TH, 2020.

    1. Yes! You are right. I thought I already updated that. The legislation extends the period to December 31, 2021. The one thing I’m not sure of is whether it will take brand new EIDL grant applications. I think so but I’m not positive. Hopefully we’ll learn more soon.

      1. My mother has 3 rental properties that the people didn’t pay their rent the whole year because of covid. An the houses need repairs because the tenants and she hasn’t been able to get her handy men and contractors over there to fix them because of no revenue coming in. Does she qualify? And how would she apply for the Edil grant?

        1. She may Elizabeth. The deadline to apply has been extended to December 31, 2021. The way it has worked in the past is you apply for the EIDL loan and check a box at the end of the application to be considered for the grant. (Make sure she checks that box.) We wrote about that in this article.

      2. Yes they have been still giving the 10,000 grant but only if the buisnesses address is located in area of low income and the buisness/ has to show a 50% decline in any quarter from the same quarter of 2019

        1. My rental properties meet the low-income community criteria, however my business mailing address is not in a low-income community. Are you sure I Do Not qualify for the targeted EIDL grant?

          1. No – the SBA has not released detailed guidance so I am not sure of anything related to that criteria yet! All we have is the legislation. Let’s wait until the SBA releases guidance so you can determine whether or not you may be eligible.

  96. To be clear, if you got an EIDL grant before at $1k/employee, and then for an EIDL loan, you are or are not eligible for an additional EIDL grant and/or EIDL loan? Additionally, businesses that had theoretical EIDL loan amounts (3x 6 months gross income, I think it was?) that were too high for Mnuchin were capped at $150k. Will that happen again to new applicants, and if it happened before, can you re apply for the “correct” amount?

    1. With regard to the grant, whether or not you got the loan doesn’t impact whether you may be eligible for the full $10,000 grant. I am not clear on whether there will be new EIDL loans under the stimulus bill. I will update this when I learn more.

  97. I got the Eidl for 3000$ in September before funds were completely exhausted. I’m very excited to know I’ll be qualified to get the full 10000$ this time around. Please post updates from the SBA!!

  98. What if my business didn’t start bringing in revenue until this year?How do I go about getting tax documents if the year isn’t complete or how do I prove revenue?

    1. Adrienne – The SBA has not provided updated information for this scenario yet – previously it has been based on 2019 information. My best advice is to get your bookkeeping up to date asap so if you do have to provide more recent information it will be ready to go. Hopefully you have a business bank account as well, as bank statements may help. Again, we will hopefully know more soon.

  99. I’ve applied for the loan and the grants and have not got an answer on either of them and I’ve done it in May and I just did it yesterday and they sent me a email stating that they’re not giving me my grant because they’re out of money already I don’t understand why I don’t qualify for the $10,000 Grant back from May, I don’t know why I don’t qualify for this I’ve lost my place of business all my vehicles have been repossessed and I’m no longer in business over the shutdown I’m at a complete loss and don’t understand why they won’t help guys like us and I know it’s because I’m white

    1. Jamie – You’re not the only one who has complained about not getting approved or getting an answer. I noticed the new legislation requires SBA to notify you within 21 days if you don’t qualify with a reason why. You may qualify for this round so stay tuned as we update this with more information from SBA.

  100. I need assistance with filling out a EIDL application. I just found out about this information. I have do Uber and Lyft.

    1. Rachel – A great option for help filling out the application is to reach out to your local SCORE or Small Business Development Center. They help business owners for free and many have a lot of experience with this program. Find your local office here. You can also contact the SBA Disaster Assistance hotline though it can be hit or miss in terms of the experience level of the people you will talk with. I’d also recommend you read our first article about this program here.

  101. I was approved for sba loan but bank sent it back so I never received funds. So I notified sba to withdrawal my loan application. Because it seemed to be faster if I reapplied and the system still shows funds being funded to my account. Should I reapply for the grant and loan again?

    1. Scott – The new EIDL grants are not yet available. As I mentioned in the FAQs the SBA has not issued information yet on how the reapplication process for those grants. I’d recommend you reach out to the SBA for specific questions about your situation.

    2. I applied for the EIDL LOAN AND GRANT. But was denied for both die to my credit I have applied for reconsideration but havent heard anything but during this process they ran outa funds, so if my reconsideration is approved will I still get the EIDL grant or will I need to re apply?

      1. I have the same issue. When I was denied due to credit, I just stopped there instead of doing the Reconsideration. I did that(sent the response) should I just reapply?

    1. It is Small Business five employees . Limousine Transportation Business . I want to apply for grants .

  102. It really isn’t fair to me as a small businesses owner just starting out and can’t get help. We started our business in June and there are no grants or anything to help us unless I am over looking something. Please let me know if any grants available. Feels like I’m losing out on everything.

  103. Sole Proprietor, 1 employee. Received 1000. EIDL Advance
    in April. Applied twice for PPP. Denied both times. Received 20100. SBA loan in May. Total loan was put back into Business. Business was shutdown 2nd time Nov. 20.

    Shall I contact my 7a institution ? And do I reapply again?

    Thank you,
    Nancy Hart
    Laurel Gaming LLC Illinois Terminal Operator

    1. Nancy – For EIDL I added FAQs – how to I apply and how to I reapply? TL;DR – we don’t know yet. Waiting for SBA guidance.

      For PPP, Nav is happy to help match you to lending partner making PPP loans. Sign up for a free account here and we will notify you when lending partners start making these loans. I’m guessing around 2nd week of January but that’s just my guess. Could be sooner.

  104. Thank you your article is do clear and helpful.
    I am self employed i got the $1000 but was denied the full $10000 will i qualify automatically or i need to meet the two conditions of the median income and 30% loss of income.
    Thank you
    Happy holidays

    1. It appears you do need to meet the qualifications of low income, 300 or fewer employees and 30% economic impact. The way I read the legislation the SBA will be contacting previous grant applicants to allow them to apply.

  105. If I applied before and was given $1000 and I’m the only thing I need to know if I qualify for the remaining $9000 if I live in California but in the city of National City 91950 ?

  106. Thank you very VERY much for all the precious information especially the constant updates! Very appreciative!!!
    I run a single member LLC since 2008 with no employees only independent contractors from time to time as our business is event technology and entertainment services. As you can guess our business have been literally forced to stop operations and because of the new wave of Covid19, we have never really resumed operations. It’s sad that nobody is talking about our industry as we are the heart of the social and professional gatherings and so many of us work in this industry and we’ve all been extremely affected by the circumstances…
    So my point is, would an entity like mine be qualified for gov’t assistance through both programs?
    I’ve heard in a CPA/Tax Law webinar that single member LLC’s can request PPP as “owner compensation replacement” based on the bottom line of the LLC’s 2019 tax return and that would be entirely forgivable.
    Can you assess the validity of these statements? and if so, would I be eligible for both that PPP amount AND the EIDL 10K grant?
    Last but not least, since I couldn’t apply on the first round I don’t know how this works; would you be able to request a higher amount simply as a LOAN that you can repay in time to get some cashflow to maintain and eventually other ways to grow my business?
    Thanks!

    1. Yes, you can apply for both if you qualify. I can’t say whether you will get it but it’s definitely worth pursuing if you believe you meet the qualifications. I realize it’s confusing with all these acronyms and qualifications. With EIDL you apply for the loan then may get the grant. However in this new round it’s not clear to me yet what’s available in terms of new loans. I do know you can still apply for EIDL loans through the end of the year at SBA.gov.

      The CPA is referring to PPP loan for the self-employed which we talked about here. Our article on the new PPP loans is here.

      Nav will be matching business owners to lending partners making these loans when they are available (early January?). If you sign up for a free Nav account we will alert you when they are available.

      1. They are not helping people who really need help. I applied and was denied because of credit. Didnt have option to check box for advance. Can I still get the grant before I lose my business????
        Where can poor people who are trying to run a business get real help???

  107. I applied for a grant from the main street launch riverside county program and did not receive an award due to funds being depleted. Do you think I will able to get consideration for this program?

  108. I would like to know if a nonprofit organization qualify for this Grant? I started a nonprofit in January 2020 and was suppose to have a community launch in June but due to Covid-19 we had to postpone.

    1. Nicole – You may apply I am concerned that you may have trouble qualifying since it sounds like your organization didn’t have any revenues. I’d suggest you check back once we have more details from the SBA.

  109. My wife and I are independent contractors for grocery shopping service.. Would we be eligible for the grant if our income declined from the previous year?

    1. In my second reconsideration.was denied the second time based on economic injury not substantiated.never received the grant the first time.in the process of appealing.my question is will I receive a grant because I never received the first due to funds running out?

  110. Can you please tell me when we can apply for the new $10,000 EIDL grant advance? Would it be wrong to apply now? I see the application for EIDL is still open (but I assume this is for loan and not for the grant advance as the grants were depleted). Also, I had already applied and received $2,000 (grants) from the 1st EIDL. Thus, I am not sure whether I need to reapply if I want the 2nd EIDL grants or do I use my old 1st application?

    1. No you cannot apply yet (as of Dec 28, 2020). It’s not open yet. I updated the article with more details today. I’d recommend giving it another read as I did my best to answer your question there.

  111. I applied the first time and got the funds but, the pandemic is still in affect. Got to the point of produciong the books i create and write witht the help of 5 instead of 10 employees. Really hope i can get my business up and running again for the future .

  112. I am a small business with 20 locations. How will the disadvantaged community area be done? Per location or the main office managing all locations. I do qualify for the grant under all the other terms,

  113. Gerri: Thank You for your good work here. I was a one man corporation for 2019. But (in the same business) switched to a Schedule C proprietor for 2020. Can I still Qualify for the 10K EIDL grant ? My income is way down. What type of documents would I have to provide ? Thanks.

    1. I don’t think the business structure matters. Although I’ve read the legislation multiple times, what I’m not quite sure about is grants for those who haven’t yet applied. As soon as I know more I’ll update this article.

  114. I received an EIDL Loan not the grant, I am self employed contractor, will I quailify for the grant or the PPP Loan? Also how do I apply for the grant and/or the PPP Loan once the President signs the bill

    1. Margaret – It’s law!

      I don’t know if you will qualify for the grant but you should try once it becomes available. I updated the article this morning with more information about how to apply once it is available. Please give it another read.

      Information about the new PPP loans are here.

      If you sign up for a free Nav account we’ll let you know when new PPP loans are available from lending partners. Hopefully we’ll know more soon.

  115. In the first round, I was given $1000 grant and the PPP. The SBA grant was not forgiven and must be repaid because I accepted the PPP. In this new legislation signed by Trump today, can we have both forgiven? And do you know yet— how do we find out if we are recognized as living in a low income area so to be awarded the full grant? Thank you for your help:-)

  116. I applied for the first ppp loan for 10,000 for my small business would I be able to apply for any of the upcoming assistance

      1. How do I apply for the grant of $10,000 we receive the SBA for All American softy Inc.
        . My portion of our business is a DBA of all American Softy inc. it’s called NY2LA salon.
        It is a hair salon I have been shut down by the government three times now and I am having extreme difficulty coming up with rent money.

  117. I have several questions ..
    1. How do I find out if someone FRAUDULENTLY received an EIDL ADVANCE in my name ?
    2 . I applied for the EIDL LOAN and I was denied because of my credit score .. Why does my credit matter ?

    1. 1. Call the SBA Disaster Assistance hotline at 800-659-2955 or email disastercustomerservice@sba.gov.
      2. EIDL loans traditionally look at credit score to determine whether the borrower can repay the loan. (I don’t understand myself why some people were turned down for the EIDL grant – which does not have to be repaid – due to credit.)

      The new legislation specifies that they may decide based on credit score OR an alternative way to determine ability to repay the loan.

  118. Hello, I think its discrimination to deny business owners due to their credit scores. As a matter a fact we should be the main businesses the government try to help. people with good credit already have access to everything easy. I’m paying someone to fix my credit which takes time. I was never taught details about how credit works and how important it is until my 30’s. Now I’m working hard starting from 0 with my business and credit. Low credit Business owners need the help more. Don’t you agree????

    1. I do understand. The new legislation does specifically mention that they can use an alternative to credit scores to determine the business owner’s ability to repay. Let’s hope that helps.

  119. I received $10000 from EIDL, when i applied for the PPP loan forgiveness the deducted the $10000 and i paid it back, the new bill states that repayment of the eidl has been repealed, will i get the money back if the bill passes?

    1. Yes. The President has signed the bill so that should be good news for you Annette! We don’t know exactly when or what the procedure will be but we’ll share more information as soon as we get it.

  120. Hello. I have a small business and I received $1000 the emergency fund and $3,400 EIDL
    Should I check into the PPP ?
    Thank You
    James

  121. Hello, My question is as folllows : I am self employed and received 1,000 of the 10,000 EIDL grant in the first stimulus package. Since it appears they are going to give the folks their
    remianing EIDL grant balances up to 10,000, in doing so will the new low-income criteria and so forth need to be met for these folks or will everyone that received a partial
    EIDL grant amount from the first stimulus package automatically receive their balance thereof.

    Thank you

  122. I operate my own visual arts company. I have lost a lot of business and had events canceled due to Covid. I have the invoices but not a DBA. Can I still qualify?

        1. You absolutely have the right to reapply for reconsideration for the loan. Have you done that?

          If you already got the full $10K grant then I don’t believe you’d qualify for additional grant funds.

  123. Unfortunately, in my county, small business owners must first secure a loan to purchase necessary pandemic needs, then apply to EIDL for REIMBURSEMENT of which there is zero guarantee. This is NOT a “grant,” it is a loan simulation program, here in NorCal. Small business’s need pure/traditional grants, in time of worldwide pandemic it is not prudent to go into additional debt.

  124. I meant to say if you work as a subcontractor will Uber eats Postmates or roadside assistance do the person qualify And would that make them a business owner as well because their subcontracting.

  125. I am an entreprenor i have 3 businesses that are facing big finanvial problems, what can i file for, please?

  126. What if you applied for your business before February 15th but you didn’t get your EIN documentations in the mail for your business until after Covid 19. Therefore documentation regarding your new business has a date that’s after February 15th. Does the business qualify for the EIDL or PPP?

    1. Do you have your own housekeeping business and pay taxes on that income using Schedule C? If so you may but I can’t say for sure that you will qualify. You can ask the SBA by calling the Economic Injury Disaster Loan hotline at 800-659-2955.

  127. Hi i’m uber driver and I got $1000 grant and another $ 6500 as SBA loan my question is if this $6500 would be forgiven if yes how should I apply to get it
    Thanks

    1. The SBA EIDL loan is not forgiven as part of this legislation however you may potentially qualify for a larger grant. Please read the last FAQ in the story to address your question of how you should apply. You may also want to check into the new PPP loans when they become available. First we need the President to sign the stimulus legislation though.

  128. I applied for the EIDL and was approved and advanced a total of $6000 covering 3 employees, do I have to put in another application to access the extra funding?

    1. Can i qualified self employed construction project manager, one employee , my assistant, will i qualify for the $10k grant ? If so how can i apply, where?
      Thank you

      1. Russ – There’s nothing you can do yet until the President signs the stimulus legislation. As of Dec. 26, 2020 he has not. If he does the SBA will issue guidance and applications will open at SBA.gov. We’ll update this article as we learn more.

  129. Gerri,

    I am a sole proprietor, and I received a $1,000 EIDL advance. Will I have to re-apply to receive more of the advance, or will the SBA retroactively go through previous approved applications and automatically send out the difference?

    1. Kurt – We don’t know exactly how it will work. The legislation does state that the SBA may request additional information to verify the request so that makes me think there may be some kind of application or verification process. We’ll share more information as we learn it.

  130. Folks, please READ THE ARTICLE before posting your questions which have already been answered in the article.

    I realize that is terribly complicated but it sure saves the electrons!

    As of 23DEC2020 at 1730, the prez has not signed the bill. He may never sign it, he may sign it in a minute, he may explode like a beached whale in Florida summer, who knows what’s going to happen?

    Oh, that third option sounds sweeeeet!

    Ms Detweiler, thank you for an informative article. Best of luck navigating the orange excrescence’s whims. He is nuttier than rat poop at a peanut factory…

      1. If I received an edil loan. Can I apply for the edil grant ? If yes can the grant is funded. Can the grant funds be used to pay the original edil loan .

  131. I applied for the grant and received it last time. will I be able to apply again? and will having received the full amount affect my amount this time?

  132. Can you recieve the eidl grant if your loan application was denied and you ask for reconsideration when funds are available for the grant?

  133. I’m not an employer but a employee I filed for my stimulus’s months ago and haven’t received any response from anyone can you call me and tell me how to fix that

  134. Is there a source on the SBA cite that lists if you are located in a low-income community? Are there any other such sources?

  135. My girlfriend has a cleaning business in an upper income area. She RENTS a room in that same community. She has had a very hard time as she cant safely enter people’s homes due to covid. My question is, if she is RENTING a room and running her business out of her rented room is she disqualified because her business is not located in a low income area? She received her $1000 grant which was supposed to be $10,000, so does she the leftover $9000 which Congress orignally passed, or does she now have to reapply and be disqualified because of her residence address?

    1. Jay – we don’t have that level of detailed information yet. I doubt there will be a distinction between renting or owning since this program is supposed to help disadvantaged borrowers. We’ll have to see what the guidance looks like when it’s available.

  136. If your previous eidl loan application was denied when you ask for reconsideration are you able to get the $10,000 grant if funds are available while they reconsider your loan?

  137. I applied for a small business loan this year and was approved…shortly after, I was supposed to receive my $1000 grant. That didn’t happen because they were saying the money ran out!!! My application was even submitted before a certain date, so they know that I quantified for the grant…it was just never dispersed to me! I guess I’d like to know whether I have to reapply to receive the money I’ve already been approved for or will thth grant money be sent out to me anyway?!!? Thanks for your time!

    Theresa

  138. Last time non profits were included in the Care act. I was approved. Sent my non profit corporations papers and they un-approved me. I save wild horses rounded up off public lands from slaughter. I am at the point I may sink. Are they going to go by the rules this time? Some non profits got millions not fair but you deal with what Lord deals. Please let me know.

      1. Well, I’m only applying for the eidl advance, cause it was like pulling teeth to get the loan. But.the grant only takes like 3 days right?

    1. I am a small business owner and qualify for EIDL, however I have been denied each time I apply and I am always told I’m denied because of my personal credit score (not business credit score), or because I haven’t released a documents showing all of my personal creditors intended past 5 years of my life, including my mortgage, car note, and school loans lenders and explain why I have these loans. While no one else who received these grants had to provide this level of information. I learned from asking a lot of people including business owners, that the bank (Wells Fargo) is not releasing these covid funds to certain business owners… Specially, black owned businesses. My business has lost over 50% of revenue due to covid and i can’t pay my employees or make profit. My business is barely open and there are months where I have to beg family and friends to loan me the money to keep the business open. Yet I can’t qualify for these EIDL grants. Instead I was suggested that I can only apply for loans I must pay back with interest (not EIDL). I lost trust in the govt and I lost trust that these grants are designed to help small business owners like myself. Idk how my business and livelihood would survive this pandemic (I’m currently homeless with my spouse and children, living with family with all our belongings in storage and boxes, and we don’t have enough money for food- a good month is one where we can pay light and water and feed our children) but I know these govt relief programs are a facade for real business owners. I no longer care what they do with these EIDL they are basically bail out funds for the rich and wealthy that the tax payers always pay.

      1. I’m so sorry to hear what you’ve been through. I’d really encourage you to connect with your local Small Business Development Center (SBDC) and/or SCORE office. Find your local office at SBA.gov. Their services are free and in the past round they did a great job helping business owners take advantage of these programs. Hopefully they can help you get some of these funds when this legislation becomes law and the programs open again.

        FYI EIDL loans and grants are only made through the Small Business Administration (SBA), not banks. Paycheck Protection Program (PPP) loans are made through lenders like Wells Fargo. This legislation sets aside PPP funding for Community Development Financial Institutions and other organizations that help disadvantaged borrowers so we’re hoping it will reach more borrowers that didn’t get funding the first time around.

    2. I have a question!! I applied for the eidl back in August 2020, and was denied. Well I wrote a reconciderationleyter the same day I was denied. Nov 17th, the SBA informed me, that they have received all my required paper work, and have look over my case, and determined that my case was being reactivated and handed over to a loan officer. Of coarse I applied, back when the grant program was out of funding and closed. Am I gna get the grant? And will I have to go back through the application process all over again to get it?

      1. You may be eligible if you qualify. We’ll know more once it becomes law and the SBA issues guidance. I know it’s hard to wait but hopefully the President will sign the stimulus bill so the SBA can get to work.

  139. I applied for the Ava loan and was approved for a certain amount under the $10k. Will I be eligible for the Grant if all guidelines apply to my business?

    1. I have a live stream Agency on a major platform social media entertainment with over a billion users what you all were called employees we called live stream host. And with the livestream host do they stream for 2 hours a day 30 hours a month. And it’s been hard for them to get out and do their monthly outdoor live streaming hours do to covid-19 . So that have took a hit for the outdoor Market of live streaming doutico covid-19 so agency salary drops host monthly salary drops for outdoor live streaming

  140. Hello I have set and watch everything and where I am from in Illinois in Franklin county and Williamson county I have watch small business owner go down and they is some of them that have lost everything including there land no one will help them . that is so sad

  141. I’m looking for a grant , Lost a lot of biz due to COVID
    Please let me know if there is any available. Thank you kindly.

    1. Carla – While we wait for this program to open up again my suggestion is you connect with your local SBDC and/or SCORE office. They may be able to point you to local programs. They may also help you pivot your business. Their services are free. Find your local office at SBA.gov/tools.

  142. I need the application to get started on this. I never knew anything about this program but would love to be a part of it.

  143. I received pua payments because I worked a part time job and did not qualify for regular unemployment. I also own a hair company that took a direct hit due to me not being able to obtain my supplies from China and not being able to travel to sale them. Would I qualify for the grant for my business since I did get the PUA payments for my part time job?

      1. I have 2 small businesses run out of my home, educational project management for writers/editors of online courses and an Airbnb in one area of house. Both took a direct hit. I don’t take a direct salary from either, but take money as needed and pay for personal items (food, essentials) as needed and then pay quarterly taxes, and then hire independent contractors as needed, aissue 1099s. Given this scenario would it fit in the PPL? Or is that strictly payroll?

      1. Are there any other Countries that Our Country is Supporting in this Pandemic besides Cambodia and Kenya?
        . And how can our Elected Senators support them and not take care of us Americans with our Money.
        I guess once they get our money, it’s not for us anymore. It’s for them and them.
        Corruption at its finest..

      1. I value your judgement and opinion. Do you believe that we will get a $600 stimulus a $2000 stimulus or no stimulus check? Please Reply. I think they play games, and they could care less. I mean they don’t seem concerned at all. Not 1 bit. I say this was all a plot and a ploy so it looks like Trump screwed up the $600 for the $2000 on his way out. Just seems like we are fighting our own in this country and it S**ks. I can’t think of any other word to use.

  144. Hi ,I applied for the EDIL loan /Grant in the first round. And was denied in loan ,but did get the 1,000.00 Grant. So I does this mean I’m inEntitled to the remaining 9,000.00 as that would save my buisness that’s about ready to fold. Please. Let me know

    1. You may be if you meet the qualifications. In addition, you may want to apply for the new PPP loans as soon as they are available. (We need the President to sign the stimulus bill.) The PPP may be faster if the SBA gets overwhelmed with applications for this program.

  145. So…i applied for a eidl loan and got 5,000. With the new stimulas and after mr trump signs .i could go into the portal and apply for the remaining 5000.00

  146. I had a house cleaning business and a warehouse cleaning business. And lost everyone of then (4) . do i qualify for this? Since this was my only business and lost it all back in March around the 1st week of March???

    1. Amiee – I’m sorry to hear that. The information I know at this point is in the article. The President needs to sign the stimulus bill and then the SBA will come out with guidelines for how to apply.

  147. I received a EDIL loan for $2000. I’m am independent contractor… Will I be eligible for the grant… Please keep me posted so I could sign up right away… I am a new business and I’m trying to get my business up and running and I’m directly affected by because I work in people’s homes

    1. I hope you do! We will update this story as soon as we know more. I try to put a message at the top of the story when I do that so if you bookmark it and keep checking back you should see the newest information.

  148. I received the $1000 “grant” and a PPP loan. Do you know why when my PPP loan was forgiven it was all forgiven minus the $1000 that was asked about on the forgiveness form? If it’s a grant why do I have to pay it back through the PPP loan?

  149. Firstly, I want to bring your commitment and responsiveness to the front. Your work ethic is putting money into the pockets of so many people. Keeping so many kids from learning of the harsh realities that await them. You are one of the good ones, Gerri!
    So I have been receiving the minimum PUA benefits having qualified due to my private tutoring project becoming inoperable. I am not able to telecommute because I teach children with developmental disabilities. I did not register the business I figured there would be no need to spend the time and money with new social regulations in place. I was able to speak with someone in person and give my income/expenses reports as a substitute.
    Would I have qualified before? Do you have an idea if I may with the new laws?

    1. Thank you for your kid words! I am not sure I understand your question. Do you mean would you have qualified for EIDL? It’s hard to tell because the SBA calculates how much you qualify for and it’s not a clear formula. Some business owners were better off with PUA. I generally advised them to apply in the last round and to find out if they could qualify. I’m sorry I can’t be more specific.

  150. Thanks for helping us understand.

    I qualified for $64,000 But only asked for $12,000 of it.
    I got the $1000 advance then the $12,000 I requested.
    I later realized that money was going quicker then I’d imagined and I submitted a request for more of the $64,000 I qualified for but I never got a response.
    I am in the process of getting the $1000 advance forgiven with my $6000 PPP loan forgiveness application.

    I have 2 questions

    1) Will $9,000 more be forgivable? Meaning I will only need to pay back $3000 from what I have got so far.
    2) Since I already was qualified for $64,000 and I put in a request for more of that, would I need to apply again?

    1. The loan and grant are separate so it’s not like the other $9000 will be subtracted from your loan. If you qualify for the full $10,000 grant under these new guidelines then you may get an additional $9000 in grants. (It’s not clear yet how you would apply for that additional grant money.)

      “Since I already was qualified for $64,000 and I put in a request for more of that, would I need to apply again?” – You’ll need to pursue this with the SBA. This legislation does not appear to provide funding for new EIDL loans – just this grant program.

  151. I am one of the getting the grant about 7100$ From SBA.
    My question is how can I get more money?
    I am one of the peoples that they directly affected by Coved 19 when I was Driving for Uber and lyft since 3/15/2020 .Thanks for Hellp ping people’s .

  152. I have 2 questions ? Number 1 the part about the low income community. As of right now Florida theres several people unemployed and out of work .if this is what this means I say yes to that part am I right? Number 2 .when do I sighn up and where do I sighn up for this .I am an independent contractor I suffered a great loss as I deliver food to customers if the restaurants dont made money I dont .I am one of those people that were out in the lines when everything was shut down and I am still out there only thing that is down now is my pay and it dont help when ur job cuts ur hours and pay and put ur job up for grabs .I like the link to where I can apply for this it would help me alot as I did get a 1000 dollar grant in the cares act but like eve drryone else got cheated out the rest of the money 9000 they probised to give me .I was never offered a loan as I hear not if I took a loan it would be forgiven in this new bill .trump threw a wrench in this new bill he says he wants everyone to have 2000 dollar checks unsure what’s going to happen now .thank u Marty christmass and happy new y
    ear

    1. I am trying to find a resource that will help you figure out if you are in a qualified low-income area. When I do I will post it.

      Hopefully the President will sign the stimulus bill so this becomes law and we will get more information.

    1. I don’t know if a credit score will be required for this grant. It never made sense to me for the grant portion since it doesn’t have to be repaid.

      Same with PPP – I didn’t see anything different in the legislation.

  153. I applied for and received an EIDL loan for $10,400 (Independent Contractor). I did not receive any grant money. Would I be eligible for grant money this time around or would that be negated due to already receiving the loan last time? Thanks for all your help!

  154. Hi my name is eltavius pitts and my unemployment benefits have stop behind on rent and lights and i have been doing muisc venue to make money.