<?xml version="1.0" encoding="utf-8"?>
<!--SBA Covid-19 relief taxonomy-->
<xs:schema
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="https://www.sba.gov/taxonomy/2020-04-30"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:sba="https://www.sba.gov/taxonomy/2020-04-30"
  xmlns:sba-types="https://www.sba.gov/taxonomy/2020-04-30/types"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xs="http://www.w3.org/2001/XMLSchema">
    <xs:annotation>
        <xs:appinfo>
            <link:roleType
              id="roleType_BusinessInformation"
              roleURI="https://www.sba.gov/taxonomy/2020-04-30/roles/BusinessInformation">
                <link:definition>100000 - Business Information</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
            </link:roleType>
            <link:roleType
              id="roleType_BusinessOwnerInformation"
              roleURI="https://www.sba.gov/taxonomy/2020-04-30/roles/BusinessOwnerInformation">
                <link:definition>200000 - Business Owners Information</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType
              id="roleType_AdditionalInformation"
              roleURI="https://www.sba.gov/taxonomy/2020-04-30/roles/AdditionalInformation">
                <link:definition>300000 - Additional Information</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
            </link:roleType>
            <link:roleType
              id="roleType_DimensionDefault"
              roleURI="https://www.sba.gov/taxonomy/2020-04-30/roles/DimensionDefault">
                <link:definition>400000 - Dimension Defaults</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:linkbaseRef
              xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"
              xlink:href="lab.xml"
              xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"
              xlink:type="simple"/>
            <link:linkbaseRef
              xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"
              xlink:href="pre.xml"
              xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"
              xlink:type="simple"/>
            <link:linkbaseRef
              xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"
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              xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"
              xlink:type="simple"/>
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    </xs:annotation>
    <xs:import
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      schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
    <xs:import
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    <xs:import
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      schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
    <xs:import
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    <xs:import
      namespace="https://www.sba.gov/taxonomy/2020-04-30"
      schemaLocation="elts.xsd"/>
    <xs:import
      namespace="https://www.sba.gov/taxonomy/2020-04-30/types"
      schemaLocation="types.xsd"/>
    <xs:element
      id="sba_AccountNumber"
      name="AccountNumber"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_AdditionalAbstract"
      name="AdditionalAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_AddressNumberOfCompanyAssistedinApplicationCompletion"
      name="AddressNumberOfCompanyAssistedinApplicationCompletion"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_AlternativeBusinessPhone"
      name="AlternativeBusinessPhone"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_AnnualOperatingExpensesSecularSocialServicesbytheFaithBasedEntity"
      name="AnnualOperatingExpensesSecularSocialServicesbytheFaithBasedEntity"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:monetaryItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_ApplicationAssistanceAbstract"
      name="ApplicationAssistanceAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_Axis"
      name="Axis"
      nillable="true"
      substitutionGroup="xbrldt:dimensionItem"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_BankDetailsAbstract"
      name="BankDetailsAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_BankName"
      name="BankName"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_BusinessActivity"
      name="BusinessActivity"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="sba-types:BusinessActivity"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_BusinessActivityAbstract"
      name="BusinessActivityAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_BusinessFax"
      name="BusinessFax"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_BusinessInformationAbstract"
      name="BusinessInformationAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_BusinessOwnerOrAgentDomain"
      name="BusinessOwnerOrAgentDomain"
      nillable="true"
      type="xs:string"/>
    <xs:element
      abstract="true"
      id="sba_BusinessOwnerorAgentAbstract"
      name="BusinessOwnerorAgentAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_BusinessOwnerorAgentAxis"
      name="BusinessOwnerorAgentAxis"
      nillable="true"
      substitutionGroup="xbrldt:dimensionItem"
      type="xbrli:stringItemType"
      xbrldt:typedDomainRef="#sba_BusinessOwnerOrAgentDomain"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_BusinessOwnerorAgentLineItems"
      name="BusinessOwnerorAgentLineItems"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_BusinessOwnerorAgentTable"
      name="BusinessOwnerorAgentTable"
      nillable="true"
      substitutionGroup="xbrldt:hypercubeItem"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_BusinessOwnersInformationAbstract"
      name="BusinessOwnersInformationAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_BusinessPhone"
      name="BusinessPhone"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_City"
      name="City"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_CompensationOtherSourcesReceived"
      name="CompensationOtherSourcesReceived"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:monetaryItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_CostofGoodsSold"
      name="CostofGoodsSold"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:monetaryItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_CostofOperationforNon-ProfitOrganization"
      name="CostofOperationforNon-ProfitOrganization"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:monetaryItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_County"
      name="County"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_CurrentOwnershipSince"
      name="CurrentOwnershipSince"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:dateItemType"
      xbrli:periodType="instant"/>
    <xs:element
      id="sba_DateBusinessEstablished"
      name="DateBusinessEstablished"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:dateItemType"
      xbrli:periodType="instant"/>
    <xs:element
      id="sba_DateOfBirth"
      name="DateOfBirth"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:dateItemType"
      xbrli:periodType="instant"/>
    <xs:element
      abstract="true"
      id="sba_DefaultDomain"
      name="DefaultDomain"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="nonnum:domainItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_DescriptionofOtherCompensationSources"
      name="DescriptionofOtherCompensationSources"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_DetailedBusinessActivity"
      name="DetailedBusinessActivity"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_DetailsSecularSocialServicesProvidedbytheFaithBasedEntity"
      name="DetailsSecularSocialServicesProvidedbytheFaithBasedEntity"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="nonnum:textBlockItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_EINSoleProprietorship"
      name="EINSoleProprietorship"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_EmailAddress"
      name="EmailAddress"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_EntityContactInformationAbstract"
      name="EntityContactInformationAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_EntityCurrentLegalOrRegisteredName"
      name="EntityCurrentLegalOrRegisteredName"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_EntityGeneralInformationAbstract"
      name="EntityGeneralInformationAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_EntityLegalType"
      name="EntityLegalType"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_EntityTradingName"
      name="EntityTradingName"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_FeeChargedOrAgreedUponForApplicationCompletionAssistance"
      name="FeeChargedOrAgreedUponForApplicationCompletionAssistance"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:monetaryItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_FinancialInformationAbstract"
      name="FinancialInformationAbstract"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_FirstName"
      name="FirstName"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_GrossRevenues"
      name="GrossRevenues"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:monetaryItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_Header"
      name="Header"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_LastName"
      name="LastName"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_LineItems"
      name="LineItems"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_LostRentsDuetotheDisaster"
      name="LostRentsDuetotheDisaster"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:monetaryItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_MobilePhone"
      name="MobilePhone"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_NameOfCompanyAssistedInApplicationCompletion"
      name="NameOfCompanyAssistedInApplicationCompletion"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_NameOfIndividualAssistedinApplicationCompletion"
      name="NameOfIndividualAssistedinApplicationCompletion"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_NumberofEmployees"
      name="NumberofEmployees"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:integerItemType"
      xbrli:periodType="instant"/>
    <xs:element
      id="sba_OwnershipPercent"
      name="OwnershipPercent"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_PhoneNumberOfCompanyAssistedinApplicationCompletion"
      name="PhoneNumberOfCompanyAssistedinApplicationCompletion"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_PlaceOfBirth"
      name="PlaceOfBirth"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_PrimaryBusinessAddress"
      name="PrimaryBusinessAddress"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_ResidentialStreetAddress"
      name="ResidentialStreetAddress"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_RoutingNumber"
      name="RoutingNumber"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_SSN"
      name="SSN"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_SSNSoleProprietorship"
      name="SSNSoleProprietorship"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_State"
      name="State"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="sba-types:US-States"
      xbrli:periodType="duration"/>
    <xs:element
      abstract="true"
      id="sba_Table"
      name="Table"
      nillable="true"
      substitutionGroup="xbrldt:hypercubeItem"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_TitleOrOffice"
      name="TitleOrOffice"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetheToBeConsideredForAdvanceUpto10000"
      name="WhetheToBeConsideredForAdvanceUpto10000"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherArrestedInThePastSixMonthsForAnyCriminalOffense"
      name="WhetherArrestedInThePastSixMonthsForAnyCriminalOffense"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherBusinessOwnedbyaBusinessEntity"
      name="WhetherBusinessOwnedbyaBusinessEntity"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherConvictedPleadGuiltyPlacedOnParol"
      name="WhetherConvictedPleadGuiltyPlacedOnParol"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherConvictedWithCrimialOffense"
      name="WhetherConvictedWithCrimialOffense"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherEntityFranchise"
      name="WhetherEntityFranchise"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherEntityNon-ProfitOrganization"
      name="WhetherEntityNon-ProfitOrganization"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherFederalGrantsSuspendedOrDebarred"
      name="WhetherFederalGrantsSuspendedOrDebarred"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherPermissiongivenforSBAtoDiscussAnyPortionofApplicationRepresentativeWhoAssistedinApplicationCompletion"
      name="WhetherPermissiongivenforSBAtoDiscussAnyPortionofApplicationRepresentativeWhoAssistedinApplicationCompletion"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherSubjectToFormalCriminalCharges"
      name="WhetherSubjectToFormalCriminalCharges"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_WhetherUSCitizen"
      name="WhetherUSCitizen"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:booleanItemType"
      xbrli:periodType="duration"/>
    <xs:element
      id="sba_Zip"
      name="Zip"
      nillable="true"
      substitutionGroup="xbrli:item"
      type="xbrli:stringItemType"
      xbrli:periodType="duration"/>
</xs:schema>