SBA Implements PPP Changes for America’s Mom-and-Pop Businesses

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Helping Mom and Pop Build Back Better


In case you missed it! Building on a month of strong Paycheck Protection Program results, the Biden-Harris Administration and the U.S. Small Business Administration are taking steps that will further promote equitable relief for America’s mom-and-pop businesses. These simple progressive steps by the Biden-Harris Administration further demonstrate the commitment to racial and gender equity, reaching low and moderate-income, rural, urban, and other underserved areas. The SBA has established a 14-day, exclusive PPP loan application period for businesses and nonprofits with fewer than 20 employee that ends on March 9, 2021 at 5:00 pm ET. Additionally, the Agency will:

  • Allow sole proprietors, independent contractors, and self-employed individuals to receive more financial support by revising the PPP’s funding formula for these categories of applicants
  • Eliminate an exclusionary restriction on PPP access for small business owners with prior non-financial fraud felony convictions, consistent with a bipartisan congressional proposal
  • Eliminate PPP access restrictions on small business owners who have struggled to make federal student loan payments by eliminating federal student loan debt delinquency and default as disqualifiers to participating in the PPP; and
  • Ensure access for non-citizen small business owners who are lawfully residing in the U.S. by clarifying that they may use an Individual Taxpayer Identification Number (ITIN) to apply for the PPP.

These actions will help to lay the foundation for a robust and equitable recovery for small businesses across the country. Small businesses employ nearly half of the American workforce; they create 2 out of 3 net new private-sector jobs; they reinvest 68% of revenues to build and sustain communities.

Borrowers can apply for the Paycheck Protection Program by downloading the First Draw PPP loan application or Second Draw PPP loan application and working with a participating PPP lender through the SBA Lender Match tool

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Targeted EIDL Advance Mapping Tool

In case you missed it! Are you looking to determine if your business is potentially eligible for a Targeted EIDL Advance? A new mapping tool is available to help you determine if your business is in a low-income community, which is a requirement to qualify for a Targeted EIDL Advance.

Check the tool to see if your business address meets the low-income community eligibility requirement before applying. As a reminder, the SBA is reaching out to potential applicants to determine eligibility, so no action is needed on your part until you receive an email from the SBA. Learn more here and visit the updated FAQ for more information. 

Shuttered Venue Operators Grant Program


Friendly reminder! Those looking to apply for the Shuttered Venue Operators Grant will need to be registered in the U.S. government’s System for Award Management, SBA has created a video tutorial that guides you through the process, and you can find it on the SVOG’s website at

Learn more and get registered

Beware of malicious COVID-19 phishing


Bad actors are sending out phishing emails posing as the SBA, World Trade Finance company, and various companies. They are asking business owners to apply for a Paycheck Protection Program loan. Some email links lead to data collection sites related to “PPP 2021 Data Collection Form” or “PPP 2021 Approved”. Disclosing personal information on these sites could lead to financial and sensitive information loss and identity theft.

As a reminder, any email from the SBA will only come from email accounts using the handle. Loan applicants who receive email correspondence asking for sensitive information are cautioned to verify that any application numbers referenced in the email are consistent with recipients’ actual application number. As a safety precaution, do not click on any links or open any attachments, which are often used in phishing email scams.

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The U.S. Department of Commerce’s National Institute of Standards and Technology (NIST) has announced its fiscal year 2021 Small Business Innovation Research (SBIR) Phase I topics. NIST’s SBIR program encourages domestic small businesses to engage in federal research and development that has the potential for commercialization with funding of up to $100,000 per project.

Funding is available in areas such as measurement, advanced manufacturing, cybersecurity and privacy, advanced communications, infrastructure and resilience. The deadline to apply is April 14. 

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Veterans, let us serve you. SBA can help your small business start, grow, expand and recover.


The SBA's Interagency Task Force on Veterans Small Business Development (IATF) and Advisory Committee on Veterans Business Affairs (ACVBA) will hold virtual public meetings on March 3 and 4, respectively, via Microsoft Teams.

The advisory committees are dedicated to addressing the challenges faced by the military and veteran small business community, especially as businesses work to recover and rebuild in the wake of the pandemic. These quarterly meetings provide a critical opportunity to further support and advocate for veteran small business owners nationwide.

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Tisa J.D. Clark

Be Inspired: Small Business Success Story in Celebration of Black History Month

Tisa J.D. Clark started her own construction and facilities maintenance company J.D. Clark Professional Services with help from SBA programs and services.

Clark credits the Small Business Development Center, a nationwide, SBA-funded business consulting and training organization, as particularly helpful in expanding her Upper Marlboro, Maryland-based business into new areas. She graduated from the SBA’s Emerging Leaders Initiative, an intensive executive-level training series designed to accelerate the growth of high-potential small businesses in America’s underserved communities. She also received no-cost mentoring through SCORE to help solidify her company’s revenue flow and profitability.

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Contracting Event hosted by the US Army

Mission and Installation Contracting Command Advance Planning Briefing for Industry

Registration is now open through March 12 at for the virtual Mission and Installation Contracting Command Advance Planning Briefing for Industry taking place March 22-26.

MICC officials announced in November the virtual APBI event as their single, command-wide effort for 2021 to reach small business and large industry representatives and forecast 2021, 2022 and 2023 contract requirements in support of varied Army mission partners.

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Federal Coronavirus Resources

State, local, and federal agencies are working together to maintain the safety, security, and health of the American people. Check out for updates from the White House's COVID-19 Task Force. Go to for detailed information about COVID-19 from the Centers for Disease Control and Prevention.  Visit, the official federal resource website for U.S. small businesses affected by COVID-19.

Learn more about the federal government's response

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Virtual Mentoring and Training 

Offices around the country may be closed due to the pandemic, but SCORE, Small Business Development Centers, Women’s Business Centers, Veterans Business Outreach Centers and other resource partners are providing free business mentoring and training by phone, email, and video.

Find an SBA resource partner near you

Join the SBA team: Employment opportunities to support SBA's COVID-19 pandemic response