Federal and State Agency Resources



SBA | CSA | Other Federal | Other State

Please Note: NADCO is aware that the IRS is temporarily suspending acceptance of new tax transcript requests at this time as the IRS adjusts to the impact of state and local shelter in place orders. NADCO is currently working with SBA regarding this issue.


SBA Office of the Inspector General - SCAM ALERT

The Office of Inspector General recognizes that we are facing unprecedented times and is alerting the public about potential fraud schemes related to economic stimulus programs offered by the U.S. Small Business Administration in response to the Novel Coronavirus Pandemic (COVID-19). The Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the largest financial assistance bill to date, includes provisions to help small businesses. Fraudsters have already begun targeting small business owners during these economically difficult times. Be on the lookout for grant fraud, loan fraud, and phishing.

Scam and Fraud Scheme Advisory List
    1. SBA does not initiate contact on either 7a or Disaster loans. If you are proactively contacted by someone claiming to be from the SBA, suspect fraud.
    2. SBA does not provide grants to small businesses. SBA provides guarantees to lenders to encourage them to make loans to small businesses. If you are contacted via social media about a SBA grant program for small businesses, suspect fraud.
    3. If you are contacted by someone promising to get approval of an SBA loan, but requires any payment up front or offers a high interest bridge loan in the interim, suspect fraud.
    4. Look out for phishing attacks/scams utilizing the SBA logo. These may be attempts to obtain your personally identifiable information (PII),to obtain personal banking access, or to install ransomware/malware on your computer.
    5. If you are in the process of applying for an SBA loan and receive email correspondence asking for PII, ensure that the referenced application number is consistent with the actual application number.
    6. SBA limits the fees a broker can charge a borrower to 3% for loans $50,000 or less and 2% for loans $50,000 to $1,000,000 with an additional ¼% on amounts over $1,000,000. Any attempt to charge more than these fees is inappropriate.
    7. Any email communication from SBA will come from accounts ending with gov.
    8. The presence of an SBA logo on a webpage does not guaranty the information is accurate or endorsed by SBA. Please cross-reference any information you receive with information available at sba.gov.
    9. If you have a question about getting a SBA disaster loan, call 800-659-2955 or send an email to disastercustomerservice@sba.gov.
    10. If you have questions about other SBA lending products, call SBA’s Answer Desk at 800-827-5722 or send an email to answerdesk@sba.gov.
Report Fraud
Report any suspected fraud to OIG’s Hotline at 800-767-0385 or online at, www.sba.gov/about-sba/oversight-advocacy/office-inspector-general/office-inspector-general-hotline.


SBA Resouces

Approved Disaster Declarations
All 50 states, the District of Columbia, Guam, Puerto Rico, American Samoa, the Commonwealth of the Northern Mariana Islands, and the U.S. Virgin Islands have SBA approved declarations of disaster. Please use the links below to access more informatin regarding disaster relief.


Other SBA Press Releases
SBA Clarifies Eligibility of Faith-Based Organizations to Participate in Paycheck Protection and Economic Injury Disaster Loan Programs
Release Date: Saturday, April 4, 2020
Release Number: 20-31

Carranza Implements Automatic Deferment on Existing SBA Disaster Loans Through End of 2020
Release Date: Monday, March 23, 2020
Release Number: 20-27

SBA Updates Criteria on States for Requesting Disaster Assistance Loans for Small Businesses Impacted by Coronavirus (COVID-19)
Release Date: Tuesday, March 17, 2020
Release Number: 20-26

SBA to Provide Disaster Assistance Loans for Small Businesses Impacted by Coronavirus (COVID-19)
Release Date: Thursday, March 12, 2020
Release Number: 20-24

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Central Servicing Agent

E-Tran Pro Tip: Be careful when entering passwords to E-Tran. Encourage your team members to enter passwords carefully. Repeated attempts to enter a password into the system can result in temporary account suspension (due to security protocols) requiring password reset.

E-Tran Pro Tip: When a lender enters a loan intro E-tran, make sure to choose “PPP” from the first drop down menu. Do NOT choose “7(a)”. If you choose 7(a), you will face restrictions that aren’t relevant to PPP.


Loan Funding Status Report Reminder
April 27, 2020

The CSA would like to remind CDCs to utilize the Loan Funding Status Report on CDCOnline to verify that all funding packages have been received by the CSA and monitor the status of those packages. The Loan Funding Status Report is accessible through the Capital Access Financial System (CAFS) via the CDCOnline Module and the Funding Reports page. The report is updated twice daily at approximately 9AM and 9PM Eastern Time. Please allow 24 hours after the FedEx tracking number shows the package was delivered for the loan to appear in the report.

If you have any questions please contact the SBA 504 Central Servicing Agent by email at SBA504CSA@WellsFargo.com.


504 CARES ACT SECTION 1112 Frequently Asked Questions
April 17 and 21, 2020


Q: When a ‘COVID-19 Agreement’ is signed to remediate an adverse change and submitted at closing, how will the CSA know that the loan is on deferment?
    A: After closing, SBA will provide a list to the CSA of the loans for which a COVID-19 Agreement was executed and submitted to SBA. The loans with COVID-19 Agreements are granted automatic deferments.
Q: How does the CSA know for how many months recently funded loans are on deferment? The agreement states at least 90 days and up to 6 months. Do CDCs need to do anything on their end to let the CSA know?
    A: To efficiently handle the large volume of loans that are closed each month, the CSA received guidance from SBA to initially apply a 90 day deferment for April, May, and June funded loans. Before the end of the 90 day deferment, the CDC must consult with the Borrower on whether to extend the deferment period up to an additional 90 days.
Q: Please confirm that when a set deferment period ends, the CDC does not need to do anything for the debt relief payments to begin.
    A: Correct. The CSA will begin the Section 1112 payments on the first scheduled payment due date after the deferment has ended.
Q: When a deferment ends, when will the catch-up plan start for that loan?
    A: The catch-up plan starts when the deferment period ends. Note that the section 1112 payment will cover the regular monthly payment, but the borrower is obligated to pay the catchup amount.
Q: Does the CDC need to initiate the catch-up plan for loans funded in April, May and June 2020 which provided a COVID-19 Agreement?
    A: To efficiently handle the large volume of loans that are closed each month, SBA instructed the CSA to initially default to a 5-year catch-up plan for these loans. The CDC must contact CSA at least one month before the end of the deferment period to coordinate on the catch up plan. The CDC must contact the Borrower before the deferment period ends to determine the length and the other terms of the catch-up plan.
Q: For loans currently on full or partial deferments that were granted prior to April 15th, what is the process for ending the deferment and starting the SBA payments authorized under Section 1112 of the CARES Act? (Section 1112 of the CARES act will be referred to as Section 1112 payments.)
    A: The CDC needs to inform the CSA through email that the CDC has ended the deferment early and to request the CSA to begin the Section 1112 payments.
Q: For loans funded with the April 15 debenture sales that were granted deferment pursuant to Procedural Notice 5000-20010, effective 3/25/20, how can these deferments be ended early?
    A: In order to end the deferments early for newly funded loans in the April, May, and June 2020 sales with COVID-19 agreements to address adverse change experienced by the small business, the borrower must request the early end of the deferment and the CDC must submit this request for approval to the SBA Commercial Loan Servicing Center (CLSC). Please refer to Procedural Notice 5000-20020, effective April 16, 2020 for more information. If the CLSC approves the early end to the deferment, the CDC would need to send that approval to the CSA.
Q: Does the CDC need to do anything to activate payment under section 1112 of the CARES Act?
    A: No, the CDC does not need to do anything to activate the Section 1112 payments. The CSA has received guidance from SBA for making the Section 1112 payments.
Q: Does the CARES Act cover catch-up payments?
    A: No, Section 1112 payments will only cover the regular monthly payment amount, not the difference between the catch-up amount and the regular monthly payment amount. The borrower remains responsible for the catch-up payment and the borrower must remit the catch-up payment to the CSA by wire or check. The CSA will not make an ACH debit for the catch-up amount during the 6-month period that the borrower is receiving Section 1112 payments.

    Catch-up amount payments via check should be mailed to the CSA at:
    Wells Fargo Corporate Trust Services
    NW 6441
    P.O. Box 1450
    Minneapolis, MN 55485-6441

    ***The check should be made payable to Wells Fargo and the SBA loan number should be written on the check.
Q: Can the borrower receive Section 1112 payments during a period of a partial deferment?
    A: No.
Q: Can the borrower receive Section 1112 payments for the 6-month period and then go on deferment?
    A: Yes. Borrowers will need to work with their CDCs and SBA encourages CDCs to grant deferments as appropriate when the Section 1112 payments end.
Q: Are borrowers who normally make their loan payments via wire or check (not set up on an ACH) eligible for the Section 1112 payments beginning in April?
    A: Yes. If a borrower made its regular monthly loan payment for April, the CDC must inform the Borrower that it has the option of the CDC either returning the loan payment to the Borrower or applying the loan payment to further reduce the loan balance after application of SBA’s payment.
Q: Should I proactively submit a request to delete my borrower’s ACH so they are not at risk of being debited?
    A: No, there is no need to delete ACH right now. There will be no ACH debit processed by the CSA until October 1, 2020.
Q: Should I submit ACH changes if my borrower has a routine account or routine number change (ex: switching checking accounts)?
    A: Yes, normal account maintenance should continue to prepare the borrower for end of the 6-month period of SBA payments.
If you have any questions please contact the SBA 504 Central Servicing Agent by email at SBA504CSA@WellsFargo.com.


New Statement for 504 Community
April 2, 2020

The CSA COTR will instruct the CSA (Guidehouse) to NOT apply an ACH debit to the borrower’s account to cover the loan payments due on April 1, 2020 for all 504 loans in regular servicing status. Under the CARES Act, SBA will pay the principal, interest and any associated fees that are owed on a 504 loan in a regular servicing status to the CSA within 30 days of April 1. SBA will continue to make these loan payments to the CSA for the 6-month period beginning April 1, 2020.

Any loan made before March 27, 2020 for which a deferment has been granted will still be eligible to receive the benefit of SBA making the loan payments for a 6-month period. Under the CARES Act, the 6-month period of SBA payments will begin at the end of the deferment period. Borrowers may voluntarily decide to end the approved period of deferment early to begin the 6-month period of SBA payments, and CDCs must inform Borrowers that it is their choice to either continue the deferment and begin receiving the SBA payments for 6 months after the period of deferment ends OR end the deferment early to begin receiving the SBA payments.

If you have any questions please contact the SBA 504 Central Servicing Agent by email at SBA504CSA@WellsFargo.com.


CSA Deferral Spreadsheet, Slides, and FAQs
March 25, 2020

Please find linked below the CSA Batch Deferment submission spreadsheet, the CSA Slides from yesterday’s connect call, and CSA COVID-19 FAQs we have compiled.
As the March deferment submission deadline of 03/20/2020 has passed please submit all New Requests utilizing the new guidelines beginning with the April cycle. If applicable, please utilize the batch excel spreadsheet process for Full Deferments followed by Standard Catch-Up.

All other requests that do not adhere to the batch excel spreadsheet process should be submitted utilizing the standard request from for the April cycle and moving forward.

All CDCs that have submitted new requests to CSA after the March deadline of 03/20/2020, please re-submit utilizing the new guidelines.

Please note that the April cycle will conclude on the 20th of April.

Thank you for your patience and cooperation during this time.
SBA Central Servicing Agent


COVID-19 504 CSA Deferment Processing Update
March 23, 2020

The Central Servicing Agent (CSA) has completed processing Coronavirus-related deferments for the March cycle and is developing a streamlined process that will expedite deferral processing which will begin with the April cycle (April 20 deadline for the May 1 Debit). This will allow CDCs to submit loan deferments in batches via a spreadsheet submission. A review of the new process and an opportunity ask questions will be provided during the SBA 504 Connect Call tomorrow March 24, 2020 at 3pm EDT. Information to register for the call is included below.

CDCs can change the deferment date retroactively to go a number of months back, so if a CDC misses the deadline this month, they can still ultimately get the deferment to be effective for the desired date. CDCs can also make their borrowers aware that they can request that their respective bank rejects the ACH for the April 1st debit and follow up with the CSA for a retroactive deferment request.

Coronavirus 504 Deferments are provided to assist small businesses adversely affected by the coronavirus and are optional. Borrower consent is required to initiate the deferral process.


Prepayment Scheduling CDC Online Cutoff Date
March 5, 2020

On March 4th, 2020, the SBA released the following enhancement regarding prepayment scheduling:

SBA and the CSA collaborated on a CDC Online enhancement that allows CDCs to schedule prepayments up until the business day before the Prepayment Cutoff Date. For reference, the Prepayment Cutoff Date is always the 3rd Thursday of a month. The new deadline for prepayments is the business day before the Prepayment Cutoff Date, which will typically be the 3rd Wednesday of each month.

If you have any questions or feedback regarding these reports, please contact the SBA 504 Central Servicing Agent either by email at SBA504CSA@WellsFargo.com or by phone at 1-855-572-1637 (Option 4).

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Other Agency Resources


Federal Agencies and Departments
Centers for Disease Control and Prevention (CDC): CLICK HERE
Federal Deposit Insurance Corporation (FDIC): CLICK HERE
Federal Emergency Management Agency (FEMA): CLICK HERE
U.S. Department of Agriculture (USDA): CLIXK HERE


State Government Response Sites



State Labor and Unemployment Information


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