A business must be located in a low-income community to receive an EIDL Advance.  A low-income community is an area that has a poverty rate of 20% or more. Rural businesses must have a median family income of 80% or less of the statewide median family income. Businesses in suburban and urban areas must have a median family income of 80% or less of the metropolitan area’s median family income.
To determine if you’re in a low-income community, you will use census data. One of the easiest ways to determine if you qualify for an EIDL Advance is to use the Federal Financial Institutions Examination Council’s geomap tool.