1. Short title This Act may be cited as the Helping Entrepreneurs Access Loans Act or the HEAL Act . 2. Forgivable business physical disaster loans for damage due to civil unrest (a) Definitions In this section— (1) the terms Administration and Administrator mean the Small Business Administration and the Administrator thereof, respectively; (2) the term covered period means the period beginning on May 26, 2020, and ending on July 1, 2020; and (3) the term eligible entity means a business concern— (A) with average annual receipts (as defined in section 121.104 of title 13, Code of Federal Regulations, or any successor regulation) of not more than $2,000,000; and (B) that— (i) is located within an area for which the Administrator declared a disaster in accordance with section 123.3(a)(3) of title 13, Code of Federal Regulations, or any successor regulation, with respect to civil unrest that began on May 26, 2020, in Minneapolis, Minnesota, and spread across the United States