# Can you get a 7(a) or 504 loan while you owe an EIDL?

**Short answer:** Yes, if the Economic Injury Disaster Loan (EIDL) is current. SOP 50 10 8.1 bars applicants with delinquent federal debt, meaning unpaid 90 days past the due date. A current EIDL is not on its list of bars, though the payment counts in your cash flow.

Canonical page: https://www.sbaexpress.loans/answers/get-sba-loan-while-owing-eidl/
Last checked: 2026-11-08

Yes, if the EIDL is current. SOP 50 10 8.1 does not list a current EIDL as a bar. The EIDL-related bars are delinquent federal debt and prior losses (Sec. A, Ch. 1, Para. E; Para. E begins p. 18).

## Delinquent federal debt

You are ineligible for a 7(a) or 504 loan if you or a guarantor owes a nontax federal debt in delinquent status. A debt is delinquent when it has not been paid within 90 days of its due date.

A debt is not delinquent in several cases. You cured it on terms the agency accepted. You are paying as agreed under a satisfactory written repayment agreement. Or the debt is in an administrative or judicial appeal.

## How lenders check

SBA lenders must check CAIVRS, the federal Credit Alert Verification Reporting System, and keep the result in the file. A business with an existing 7(a) or 504 loan that is not current is also ineligible (Para. E).

## Your cash flow

A 504 Certified Development Company (CDC) calculates debt service on combined debt after the transaction (Sec. C, Ch. 1, Para. E.1.d). Your schedule of debts lists every outstanding loan (Para. F.2).

## Liens

SOP App. 12 (p. 352) lists COVIDEIDLServicing@sba.gov for general COVID EIDL questions, including subordination. The SOP does not state a standard for when SBA will subordinate an EIDL lien. Ask early if a new lender needs a lien ahead of your EIDL.

## Sources

- [SOP 50 10 8.1, Sec. A, Ch. 1, Para. E, Delinquent Federal Debt (Para. E begins p. 18)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. E.1.d (Para. E begins p. 242)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. F.2 (Para. F begins p. 257)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, App. 12 (p. 352)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)