Are LOLSBA tools official SBA tools?
No. LOLSBA tools are independent informational aids and should not be treated as official SBA, Treasury, legal, tax, or financial advice.
SBA Fight-Back Tools
These tools are independent calculators, templates, and planning aids for SBA borrowers and watchdogs. They are not official SBA tools and should be checked against official records.
Related SBA Resource Hubs
EIDL CollectionsTreasury OffsetHardship AccommodationPPP FraudSBA 8(a)SBA FOIAProsecution TrackerFree resources to navigate SBA bureaucracy and protect yourself
NEW FREE TOOL
SBA LOAN FORGIVENESS CALCULATOR
Find out if your EIDL qualifies for forgiveness (spoiler: it doesn't), calculate your 50% reduced payment option, and see your Treasury Offset risk level. Updated for 2026.
Use Calculator NowFOIA Request Generator
Generate a properly formatted Freedom of Information Act request for your SBA records. Get the documents they don't want you to see.
Most PopularEIDL Debt Calculator
Calculate your total EIDL debt including interest accrued. See what you actually owe vs. what the SBA claims.
CalculatorTreasury Offset Estimator
Estimate how much of your tax refund or federal payments could be intercepted through the Treasury Offset Program.
CalculatorLetter Templates
Pre-written templates for hardship letters, appeal requests, congressional inquiries, and more.
TemplatesLoan Timeline Tracker
Document your SBA interactions with timestamps. Essential for appeals and complaints.
TrackerSBA Contact Directory
Direct phone numbers, emails, and addresses for SBA offices, OIG, and congressional liaisons.
Directory
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FOIA Request Generator
Generate a properly formatted Freedom of Information Act request. Fill in your details and we'll create a ready-to-send letter.
Include if you're requesting records about a specific loan
Note: The SBA is required to respond within 20 business days but often takes longer. Keep a copy of your request and note when you sent it.
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EIDL Debt Calculator
Calculate your total EIDL loan balance including accrued interest.
Standard EIDL rate is 3.75% for businesses
Disclaimer: This calculator provides estimates only. Actual balances may differ due to payment application timing, fees, or other factors. Contact the SBA for official payoff amounts.
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Treasury Offset Estimator
Estimate how federal offset could affect your tax refunds and benefits.
Up to 15% can be offset
Federal salary, retirement, vendor payments, etc.
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Letter Templates
Download ready-to-use templates for common SBA communications.
Hardship Letter Template
Request payment modification due to financial hardship
Reconsideration Request
Appeal a loan denial or modification rejection
Congressional Inquiry Request
Ask your representative to inquire about your case
Offer in Compromise Letter
Propose settling your debt for less than owed
OIG Complaint Template
Report misconduct to the Office of Inspector General
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Loan Timeline Tracker
Document every SBA interaction. This record can be critical for appeals and complaints.
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SBA Contact Directory
Direct contact information for SBA offices and related agencies.
SBA Customer Service Center
General inquiries, loan status, payment questions
1-800-659-2955
Mon-Fri 8am-8pm ET
SBA Disaster Loan Servicing
EIDL and disaster loan specific questions
1-800-736-6048
disastercustomerservice@sba.gov
SBA Office of Inspector General
Report fraud, waste, and abuse
1-800-767-0385
OIGHotline@sba.gov
SBA FOIA Office
Freedom of Information Act requests
foia@sba.gov
foia.sba.gov
Treasury Offset Program
Questions about offset/garnishment
1-800-304-3107
fiscal.treasury.gov/top
Find Your Congressional Representative
For constituent services assistance
house.gov/representatives
senate.gov/senators
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Frequently Asked Questions
Should I rely on a calculator before making payment decisions?
Use calculators only as estimates. Confirm balances, rates, fees, hardship terms, and collection status with official records and qualified professionals.
Can a FOIA generator guarantee records?
No. FOIA responses depend on the request, agency records, exemptions, search scope, and processing timelines.