Capital Access Financial System SBA Borrower Instructions

Summary

SBA borrower instructions for the Capital Access Financial System (CAFS), dated October 2022, a slide guide to checking loan balances and upcoming payment information online. It says CAFS covers SBA disaster loans including COVID-19 EIDL, Paycheck Protection Program Loans (PPP), 7(a) loans, 504 notes and Microloans, and that COVID-19 EIDL borrowers cannot make a loan payment on CAFS. The guide walks through creating, authenticating and accessing an account, notes that accounts are deactivated after 90 days of inactivity, and lists compatible browsers. Its last slides explain how COVID-19 EIDL borrowers whose loan is tied to an EIN rather than an SSN can associate an SSN with the loan.

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Full text

Capital Access Financial System (CAFS)
SBA Borrower Instructions

October 2022
CAFS Overview
The Capital Access Financial System (CAFS) allows borrowers to check loan
balances and view upcoming payment information for the following loan types:
• All SBA disaster loans including COVID-19 EIDL and physical loss loans
• Paycheck Protection Program Loans (PPP)
• 7(a) loans
• 504 notes
• Microloans
Borrowers may register for a CAFS account at https://caweb.sba.gov/. A CAFS account and a CLS account
are the same; the terms can be used interchangeably.

Note: COVID-19 EIDL borrowers cannot make a loan payment on CAFS. To learn more about how to make a
loan payment, visit Sba.gov/pay.

Device: We recommend accessing CAFS using a Enrollment: If your business is a nonprofit or if your loan was
computer. not registered with a Social Security Number (SSN), you will
need to take an additional step of associating an SSN with your
Browser: CAFS must be accessed using a loan before you can create an account. To do so, please follow
compatible browser: the Instructions for COVID-19 EIDL EIN Borrowers (slide 23).
• Windows: Google Chrome Version 90+ or
Microsoft Edge Version 90+ Activity: Accounts are deactivated after 90 days of inactivity.
• macOS: Firefox Version 88+
Note: Mandatory fields are indicated by a * red asterisk.

3
Create Authenticate Access

Step 1:
Create aCAFS
Account
Create Authenticate Access

Navigate to the Enrollment Page

Instructions
1

1. Go to the Capital Access Financial
System (CAFS) home page:
Capital Access Financial System

2. Click the Not Enrolled? link to
access the enrollment page

Note for COVID-19 EIDL Borrowers:
If your business is a nonprofit or
if your loan was not registered with
a Social Security Number (SSN),
you will need to take an additional 2
step of associating an SSN with
your loan before you can create an
account. To do so, please
follow the Instructions for COVID-19
EIDL EIN Borrowers (slide 23).

The red dots correspond to the numbered instructional step on the left side of the screen 5
Create Authenticate Access

Enter Login Information
Instructions
3. Create a User ID which you will
use to log in to the system. Your
User ID must be 8 to 15 characters
long, and cannot include, ‘, “, &, or
accented characters.
4. Create a Password Phrase which
you will use to log in to the system.
Your password must be a minimum
of 16 characters and must contain
at least three of the following 3
properties: 4
1. Uppercase letters
2. Lowercase letters
3. Numbers
4. Special characters
The password must be entered
twice, and the two entries must
match.

Note: Accounts are deactivated
after 90 days of inactivity.

The red dots correspond to the numbered instructional step on the left side of the screen 6
Create Authenticate Access

Select User Type

Instructions

5. Select the Borrower user type
5
from the User Type drop-down
menu.

The red dots correspond to the numbered instructional step on the left side of the screen 7
Create Authenticate Access

Enter Identity Information

Instructions

6. Enter your First Name and Last
Name

Note: First and last names are
required, middle name and suffix 6
are optional
7
7. Enter your Date of Birth

Note: Your Date of Birth format
must be mm/dd/ yyyy (e.g., March
1, 1980 = 03/01/1980)

The red dots correspond to the numbered instructional step on the left side of the screen 8
Create Authenticate Access

Enter Address

Instructions

8. Enter your 5-digit Zip Code. Then
click the Lookup City/State by
8
Zip button, which automatically
populates the City/State field.
This information should not be 9
altered.
9. Enter your Street Address

The red dots correspond to the numbered instructional step on the left side of the screen 9
Create Authenticate Access

Enter Contact Information
Instructions

10. Enter your Landline Phone
Number and Mobile Phone
Number. “1” is pre-populated as
the Country code for U.S. phone
numbers. For other countries,
select the appropriate country
from the Country drop-down
menu.

Note: The Landline field and the
Mobile field must both be 10
completed (you may use the same
phone number for both fields).

11. Enter your E-Mail Address, and 11
re-enter it to verify.

Note: Contact Information will be
used for two-factor authentication
upon log in.

The red dots correspond to the numbered instructional step on the left side of the screen 10
Create Authenticate Access

Enter Borrower Information
Instructions

12. Enter your Social Security Number
(SSN), then re-enter it to verify. If
your business is a non-profit
organization, the account is missing
a social security number, or the
COVID-19 EIDL loan is associated
with the corporation's EIN, please
refer to the Instructions for COVID-19
12
EIDL EIN Borrowers (slide 23) to
establish a CAFS account.
13
13. Enter your SBA Loan Number/SBG
Number

Note: Your loan number might be on
a statement or letter from the SBA. It
is NOT the same as your application
number. If you do not have a letter or
statement, please contact your SBA
loan servicing center. For COVID-19
EIDL Borrowers, please call
833-853-5638 or email
disastercustomerservice@sba.gov.

The red dots correspond to the numbered instructional step on the left side of the screen 11
Create Authenticate Access

Choose Security Questions

Instructions

14. Choose three security questions
from the drop-down menus and
enter your answers in the 14
appropriate boxes.

Note: The answers are NOT
case-sensitive.

The red dots correspond to the numbered instructional step on the left side of the screen 12
Create Authenticate Access

Verify and Submit
Instructions

15. Verify the Captcha image by
entering the text in the Enter
Here field.

Note: This answer is case-sensitive.
Do not include spaces in your
answer. If the Captcha image is
difficult to read, you can select 15
‘Refresh’ to generate a new image.

16. Click Submit. 16

Note: If there are any errors in the
previous fields, a red box will
appear at the top of the page with
the relevant error messages. You
must correct the errors and re-enter
the following: (1) your password, (2)
security questions and answers,
and (3) the Captcha text. Refer to
Tips and Tricks (slide 14) for more.

The red dots correspond to the numbered instructional step on the left side of the screen 13
Create Authenticate Access

Tips and Tricks
If you encounter any error messages upon submission, refer to the detailed information below.

1. “This is not a valid SSN, SBA Loan Number/SBG Number combination in our system”
1. Ensure the SSN and SBA Loan Number/SBG Number are correct and
associated with the same loan.
2. Ensure the entered SSN is not already linked to a CAFS Borrower account.
3. If the loan is associated with an EIN, refer to the Instructions for COVID-19
EIDL EIN Borrowers (slide 23).

2. “Unable to process your request. (error code 101)”
1. If a Borrower/Principal is listed on a Loan with an SSN, then an Associate cannot
create a CAFS Account.
2. Confirm that the SSN is entered correctly.

3. “Unable to process your request. (error code 102)”
1. If an associate is not a qualified Associate type, then an account cannot be created.
2. Only certain type of associates are qualified for creating a Borrower account.

For assistance with any of these errors, contact CAFS Support (slide 22).

14
Create Authenticate Access

Step 2:
Log In and Authenticate
Create Authenticate Access

Instructions

1. When your CAFS account has
been successfully created, you
will be redirected to the CAFS 2
home page to log in.
2. Enter the User ID and Password
Phrase created in Create a CAFS
Account (slide 4).
3. Agree to the terms and
conditions, then select Login.
3

The red dots correspond to the numbered instructional step on the left side of the screen 16
Create Authenticate Access

Verify with Two-Factor Authentication

Instructions
4

4. Select your preferred PIN
authentication method: (1) text
message, (2) phone call, or (3)
email.
5. Enter the PIN sent via the
preferred method selected in the
step above. Then, select Verify
PIN.
5

The red dots correspond to the numbered instructional step on the left side of the screen 17
Create Authenticate Access

Step 3:
View Loan Information
Create Authenticate Access

View Loan List

Instructions

1. Once you are logged in, hover
1
over Borrower. Then, select
Borrower Search to view your
loan list.

The red dots correspond to the numbered instructional step on the left side of the screen 19
Create Authenticate Access

View Loan Information

For Borrowers with a Single Loan

You are automatically routed to the
Loan Info for your loan. You will see
information for Balance, Payment,
and Paperless Statement Selection.

For Borrowers with Multiple Loans

To see your loan balance and other
loan information, select the Loan
Number (or select Make a payment
to be directed to Pay.gov to make a
payment).

20
Create Authenticate Access

View Messages and Statements

View Messages

Click on the New Messages button to
access recent Messages or Letters.

View Statements

Click on the New Statement button
to access recent statements. You may
download or print statements from
this screen.

21
CAFS Support

Additional resources available on Sba.gov:
• Contact SBA
• Make a payment to SBA

CAFS Support Contact Center:
• Phone: 1.833.572.0502
(Monday through Friday, 8:00am to 8:00pm ET)
• Email: cls@sba.gov

22
Instructions for COVID-19 EIDL EIN Borrowers

Please email the Disaster Customer Service team at
disastercustomerservice@sba.gov on company letterhead if any of the below is
applicable to you:
1. your business is a non-profit organization,
2. the loan is associated with the corporation's EIN, or
3. there is no social security number associated with the loan.

and include the following:

1. SBA Loan Number
2. Associate's First and Last Name
3. Social Security Number of the person who should have access
Once complete, a confirmation email will be sent, and that person will be able to
establish a CAFS account using the Create a CAFS Account instructions (slide 4).

File and source

File: 2022-10_CAFS-SBA-Borrower-Instructions.pdf
Size: 1,639,533 bytes
SHA-256: d946a1d3e4eeb1c1bb62f9fd3736479fc969d3c9a360a6fa5dab81a015704167
Our copy: 2022-10_CAFS-SBA-Borrower-Instructions.pdf
Original: www.sba.gov