SBA EIDL Hardship Accommodation Program: Deferment is still possible (with a catch). April 2nd, 2025

below is the email that the SBA is sending to borrowers who inquire about additional help with their EIDL loan:

Dear Borrower,

We received your inquiry regarding the Hardship Accommodation Plan (HAP). Effective March 19, 2025, the Hardship Accommodation Plan (HAP) for COVID-19 Economic Injury Disaster Loans (EIDL) is no longer open. The Small Business Administration (SBA) is currently providing short-term payment assistance to borrowers experiencing temporary financial difficulties or cash flow challenges.

To be eligible, borrowers must meet the following criteria:

Not have previously enrolled in or be currently enrolled in the Hardship Accommodation Plan (HAP)

Be less than 120 days past due on their loan payments

Not in Charged-off status

Include a detailed explanation of your temporary financial difficulty or cash flow issue, as well as the reasons why it is considered a temporary situation rather than a long-term challenge.


If you believe you meet these criteria and would like to be considered for a one-time, six-month payment reduction to 50% of your full loan payment amount, please submit a written request for payment assistance. This request should include a detailed explanation of your temporary financial difficulty or cash flow issue, as well as the reasons why it is considered a temporary situation rather than a long-term challenge.