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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

US SBA's account


How to register an account

You can access your account in the CAFS system only if you are a borrower whose SSN is associated with an SBA loan. To register, go to the system's website and click on the "Not enrolled?" button. Next, come up with a User ID and password with which you will log in to your account in the future. Fill in your first and last name and choose who you are, a lender or a borrower. Next, you need to fill in information about your home address, phone number, and zip code. Next, enter your SSN. Then set up your security questions. Then go through the captcha, and your account will be finally registered.

How to reset a password

If you forgot your password and you need to reset it, click on the "Forgot Password?" button. Enter your email address that is linked to your account in the CAFS system. You will receive an email. Follow the instructions in the email to come up with a new password.

How to delete an account

To delete your account from the CAFS system, you need to contact technical support. Employees of the organization will check your account for loan arrears, and if there are none, they will delete your account.

Personal account features

The SBA organization provides access to the Capital Access Financial System (CAFS) account for everyone who has an SBA loan. The account in this system allows you to manage your credit and find out the dates of the next payments.


How do I get an SBA account?

To be able to get an account, you must have an SBA loan.

What is an SBA account?

SBA Account means any set of system access credentials (e.g., a user ID and password) provided by the SBA

How do I log into my account?

You can log in to your account using your User ID and password.

Calculate loan payments in US SBA

US SBA calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

5000 $
5000000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with US SBA

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between US SBA and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All US SBA’s reviews by September 2022
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