U.S. Small Business Administration

All I wanted to do is make a payment on my EIDL loan.So confusing then they tell you to go to a website called CAF can't sign in.They won't answer the phones because everyone is trying to make payments.I just am making a paper trail to cover my $#*! with the SBA.Next we will owe them so much in interest and they will close businesses I pray this site gets redone to make it easy to pay a SBA loan.Back with Interest.Someone Help

Trying since Nov 12th of 2022, to get assistance. Auto reply every email get back to you in 5 to 7 business. Guess what no calls or email. Actually got a customer service rep after holding for 25 minutes. She could not and can not answer my question, but she did not know how to use the phone to transfer me to some else. Told me to email again. I have emailed every email address connected to sba. No response, no call. I have taken up hours on the phone without a answer and the mystery person that can has to be emailed by the customer representative with details of my call. Ask for their phone or email address...they can not,give that information out. Advised me to keep my phone with me at all times, just in case this person calls! They are good at sending Greetings we may foreclosure, force collects or whatever they need to do. And provide the same number that can't help you. It's March 6th 2023 now.still waiting for a call or email. Won't take any advise on how to operate a business from Small Business. Update if I ever get this resulted.

For the biggest portion of SBA, I know they are very helpful in helping people establish and run different small businesses. They help you with loans and different issues that you might have with your business. My issue today Iwith them, is that the website is not working that you can apply for the application of the covid-19. It
Will not allow you to get past the first page it's it's just locked and that's my only issue with SBA

It is by the law that we are supposed to get the 1098 by Jan 31 for the interests paid for the year. It is two weeks past. When I called, they said I would just have to wait until I get it but I can't just wait indefinitely. Worst part is that two representatives hung up on me. Third person gave me a phone number that supposedly handles mailing out 1098, and what do you know? It is a non-working number. It is a common knowledge that the government workers are no more than glorified welfare people, and they seem to act just that. Shame that's where part of our tax money goes.

1) They don't respond to emails.
2) CSRs via phone give different answers to the exact same question as well as wrong advice. Some are downright rude.
3) Spent 8 months trying to get one application cancelled to be superseded by another with different information and after 30 calls and 10 emails, nothing way resolved.
4) I emailed all information they requested multiple times, yet they still send letters through the mail asking for the same exact info.
Absolutely incompetent at every level compared lending from an actual financial institution.
Additionally, their they use census tract maps in determining poverty locations, which are extremely inaccurate, lumping in rich areas with poor ones. You could be denied a grant only to have the business access the street get $10k. Absolutely ridiculous. They simply need to be shut down.

Just because you're a government-based organization doesn't mean you don't have to provide customer service and answer questions by customers who need some more in-depth information. If you were an independently owned company, you would be out of business. I've never, ever experienced such rude pieces of garbage in my entire life.

I had a wonderful experience. Turnaround time was fast. Input my information allow them to request a transcript from the IRS and then a week later I was approved and then five days later a deposit was made into my account. If you have a legit business and the required documentation you will be fine

Every time I try to use the portal to access my account, I CAN'T GET IN! I have to call for assistance because my password is wrong. However, it is the new password that I made a few weeks ago. 1st I wait because all the help people are "busy assisting other callers." We work for at least an hour. Today I worked with a young lady that tried to help me for over an hour. She tried everything she could to help me. Some of the things she tried were things that had been used before that actually worked. NOT TODAY! With all of these negative reviews you would think that someone in charge would take the initiative to get the software fixed. In my opinion it is NOT the people. All the people that have worked with me have been respectful and hard working except for one guy that hung up on me. You know why he hung up on me? He was at his wits end. That wasn't his fault. IT IS THE SYSTEM! GET IT FIXED!

Can't get a hold of anyone & when you make payments they don't deduct them. After 2 years of making payments over what they ask for & the loan amount keeps gong up

Smh this is supposed to help us the working honest ppl! In 9/18 my home was damage thru a flood storm and Sba would not help me I had 5 ft of sewage and water in my basement lord why will our country leave hard working ppl like this my car is gone smh but you gave out so much money with these Ppe loans lolbvs but won't help ppl that really needs it but y'all want ppl to vote or respect our systems NOOOOOOOOO respect us help us smh I work for the state and couldn't get help but want me to come to work and nurse on patients but umm who is helping me while my house has over ******* worth of damage this is not right and disappointing shame on y'all really

The SBA needs to do more training. You have businesses that suffered badly during covid and have still not managed to get back to where things were. The staff members here are horrible and have horrible customer service. The supervisors never return calls emails which is worse. I looking into who I can speak with about this because how you you have companies waiting over 2 months.

I have sought advice from our local SBA in Clarion County, Pennsylvania on at least four separate occasions between 2006-2020, and I have yet to make any REAL progress in improving my business skills. The specialty of the SBA is their free, introductory workshop, which I have taken twice. After Christmas of 2019, I was ghosted by my "advisor" and now I am on my own again. The SBA is of no help! Embarrassingly disorganized and inefficient!

http://www.sba.gov/healthcare is the place you need to go to learn more about the Affordable Care Act. I am including the link here because I do not think sitejabber has the ability to review individual links and only entire websites. This is a good starting place to learn about the Affordable Care Act and how it will affect your business. The most important part of the website as it pertains to health care reform is located here along with downloadable pdf files. I would just read all of these to begin understanding the entire process. http://www.sba.gov/content/affordable-care-act-training-materials

I feel like it's different country. We used this service when it was hurricane Charlie everyone was helpful and was quick. Now 10 years later it's third world country, no one cares, no one answer, every time you called they said call in one week. Unbelievable, people suffer and this organization that suppose to help makes it worse, STOP WAISTING PEOPLE'S TIME if you don't care to help!

Applied for the SBA loan and was granted. At the time, interest rates were going to be 1% but changed to 3.75% which is not that great, just ok. Which is higher than current mortgage rates. Loan term 30 years. Loan amount 27,300 with a payment of 134.00 a month. Payments for me are not due yet however, as most already know. You can highly reduce the loan term buy starting to make payments now. Even though my payments are not due yet. I sent in one regular payment and one for principal only. Interest is based on principal amount of the loan. Come to find out, this isn't doable. All payments go to interest first. The SBA loan may still be a good option for some that are credit strapped. For me and others in similar situations. It would have been better if I refinanced with a home equity loan at 3.25% same loan duration and and home refinance, one can make payments on principal only as long as payments are current. In my honest opinion, for it to be a Covid 19 disaster relief loan" it should be at least as what is available on the open market, but it's not. Run your numbers before considering this route

The purpose of getting a SBA loan is to pay off debt owed during Covid, however they deny you based on a credit score. Being a U. S citizen that pay taxes, it amazes me that they would give it to people who has a fraudulent business and use the monies for inappropriate purchases. I have applied twice and denied, this loan is not for people who have a bad credit score but for people who commit fraud.

Like many other small businesses, I was forced to take out an EIDL loan in order to survive Covid. PPP was not an option because the funds were quickly depleted. Now that the loans are coming due, I get notices about payments that are three months late without ever getting a bill to begin with. I have multiple loan bills coming to me via both the portal and snail mail and it's getting incredibly frustrating and confusing. Meanwhile their website is about as user unfriendly as you can possibly imagine. Once again I have tried to log in and once again I cannot as even though I changed my password and it was accepted I am told it is not correct. I can't get to my information if I can't log into your garbage website.

Absolutely terrible customer service. Rules arn't clearly stated. When calling to ask for clarification and assistance understanding contracts, they become very defensive and eventually will hang up on you. Don't even bother.

I reached out to SBA on 11/11/21 and got an answer three and a half months later.
Unfortunately that answer was totally next to the question.
I answered immediately rectifying their wrong assumptions and just received a second email going further on their first response.

A total waste of taxes!

I have an SBA loan but let me tell you, if we ran our business in the same fashion as the SBA does, we would be out of business. There is absolutely no efficiency what-so-ever; reaching any one on the telephone is near impossible and getting a statement is equally difficult. Unless you have a LOT of time to waste and infinite patience I would not and will not ever deal with them again.

I was on hold for over 30 minutes to speak with someone about making a payment, the rep answered and told me to just go to Pay.gov and create account and click on make payment. I kept telling the rep that I already have an account and that there is no option to click to make payment. The rep told me its as simple as that and thats how you do it and hung up on me haha. This place is a joke. Now I am trying to make a payment on a loan that I cannot make payment to and cannot get a hold of someone that will assist me.

This is the worst website I have ever used. It's difficult to use. It's worse than going to the DMV to wait in line. They have bad everything. Hard to use, poor support. Difficult to register. Poor forms, bad validation. A high school kid could make a better website. I am sure it was a lot of tax dollars for the worst site on the planet.

The title says it all.
Even for Government Employees this agency stands out, their ineptitude is only exceeded by their sense of ignorance and petty power.

Run away from this agency if you can!