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New EIDL Grants: How To Tell If Your Business Is In A Low Income Community

    Chris Motola
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Chris Motola

Chris Motola

Expert Analyst & Reviewer at Merchant Maverick
An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Central Florida.
Chris Motola
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    Lance G Fisher

    The numbers generated in Geomap tool and the ones I find online are very different. The tool shows my area (809 Maryland Ave Delmar MD) as only 12.46% below poverty line and median income vs statewide as 99.12% however if I look up numbers online the percentage I get Delmar vs Maryland is 69.5% One I qualify the other I don’t. The numbers for Maryland median income 2020 was 86,773. The number for Delmar MD is 60,301. Can you advise?

      Jessica Dinsmore

      Hi Lance,

      The SBA has released an official tool which may vary from the initial tool that was being used at the time of this publication. When I entered the address you provided above into the newer, official tool linked above, it says the address qualifies. I hope that helps!

        Donny Hill

        My restaurant did not open until July 2020. When covid hit we were in building process. We never expected what we got with covid. Is there any grants we could get ? We are in a very low income area with population of 1000-1200

          Erica Seppala

          Hi Donny!

          The best resource for small business grants is You can also contact your local SBA Small Business Development Center or a local SCORE branch to find out more about grants and other funding opportunities in your area. If there are no available grants to fit your needs, you may be able to get the funds you need by finding a small business loan. Good luck!

            Bill Carmen

            i plug in the address and get in red 2021 censes isn’t available now what. address is [Address Redacted] florida mobile home community

              Jessica Dinsmore

              Hi Bill,

              Try this map provided by the SBA–I was able to pull up your address successfully.


                Is country club hills considered a low income community.

                  Erica Seppala

                  Hi Len!

                  In order to determine if a business in Country Club Hills, IL, is located in a low-income community, you would need to plug the business’ street address into the geomap tool. Good luck!

                    Glenn Modina

                    Dear Chris Motola,

                    I’m glad to find your article after my request for Targeted EIDL Advance (Grant) was not approved. I am currently in the process of possibly appealing to SBA’s decision. The article you updated on Jan 15, 2021, is under titled “New EIDL Grants: How To Tell If Your Business Is In A Low Income Community.”

                    First of all, I was “not eligible” because my “business is not located in a low-income community.” I agree with SBA based on the link you provided to the FFIEC geomagnetic tool. However, you wrote in paragraph 8, that there is “the other way to qualify as low income is relative to your state” and I understand if my community median family income is 80% or less of the statewide median income, that I could be considered.

                    Long story short, I looked at my business address and found that my business is 17.49 % below the Poverty Line (20% or more is considered a low-income community). So I don’t qualify based on this. But my tract median family income indicates 73.86% (so “80% or less”, could be considered a low-income community). Do you think this provision is still relevant? Do I have a case here for SBA to reevaluate?

                    I appreciate in advance for your reply. I am just like much struggling business trying to survive these difficult times.


                      Jessica Dinsmore

                      Hi Glenn,

                      Great question. Ultimately this will depend on whether you’re considered to be in a rural area or a metropolitan one. The state median is used if your business is considered rural, whereas you’ll be compared to your metropolitan area if you’re suburban or urban. Assuming you still fall within that gap, it’s probably worth pleading your case. Just be aware that the SBA may be using its own slightly different data set for assessing tracts. Good luck!

                        Jessica Atatigho

                        Thank you so much for this. I had searched several pages in trying to determine whether or not a community is low-income. I almost gave up but then saw this website. You made this so easy to decode and understand and for that I am grateful.


                          Thank you very much for making this so easy to understand! Best explanation I’ve read thus far!

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