You can use SBA's Lender Match tool to connect with a participating SBA lender. You will apply for your loan directly through your lender.Discover how to navigate financial challenges with a forbearance agreement. Discover how commercial loan forbearance agreements can provide shortterm relief for businesses facing financial challenges. All borrowers, regardless of loan size, can use SBA's direct forgiveness portal. Applying for forgiveness using the portal can take as little as 15 minutes. Find out more about the L.A. Regional COVID-19 Recovery Fund, the First Supervisorial District COVID-19 Business Relief Grant, and more loan and grant programs. Lenders should consider entering into a forbearance agreement when liquidating SBA guaranteed loans. In order to qualify for home loan forbearance, a borrower must meet certain criteria. Repayment terms on SBA loans are longer than those for traditional loans, extended to up to 10 and even 25 years in some cases.