SBA Paycheck Protection Program

PPP Loans

Thank you for your interest in the U.S. Small Business Administration's (SBA) Paycheck Protection Program (PPP). At this time we are no longer accepting new applications for PPP loans.  If you have previously applied for a PPP loan and still have supporting documents to upload please use the secure email link found below. 

Learn More About SBA Paycheck Protection Program

SBA Paycheck Protection Program

100% Digital Application Process

About the Paycheck Protection Program

The Coronavirus Aid, Relief, and Economic Security (CARES) Act signed into law on March 27, 2020, allocated funds to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program (PPP), the initiative provides 100% federally guaranteed loans to small businesses. A second coronavirus relief bill was signed into law on April 24, allocating additional funds for the Small Business Administration’s Paycheck Protection Program. In early July, a PPP Extension was signed into law, allowing the program to continue into early August. 

Program Overview

New Treasury Frequently Asked Questions Document

The U.S. Treasury has released an updated FAQ document to clarify and provide additional guidance on SBA PPP Loans. Click here to review this document. 

Fully Forgiven

SBA PPP Funds are to be provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, utilities. Loan payments will be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge any fees.

Keep Workers on the Payroll - or Rehire

Loan forgiveness is based on the employer maintaining their employee payroll, or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease.


Small businesses with 500 or fewer employees are eligible for the PPP —including nonprofits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors. Businesses with more than 500 employees are eligible in certain industries.

What Documents Will I Need?

Documents may be securely uploaded here, or dropped off via night deposit box, walk-up, or drive-thru lane. Documentation required depends on your specific situation. Check with your loan officer for a list of the documents you will need. Below is a list of some of the paperwork you may be asked to submit:

  • Completed SBA PPP Application
  • Completed State Bank Customer Information Form
  • Completed Certification of Beneficial Ownership
  • Copies of payroll tax reports file with the IRS (including Forms 941, 940, state income and unemployment tax filing reports) for the entire year of 2019 and first quarter of 2020 (if available) should be presented.
  • Copies of payroll reports for each pay period for the preceding 12 months. Such reports should include gross wages including PTO (which might include vacation, sick, and other PTO). This includes payroll reports through the pay period preceding the origination of the SBA loan.
  • Documentation reflecting the health insurance premiums paid by the company under a group health plan including owners of the company for the immediately preceding 12 months prior to the date of the SBA loan origination. (Copies of the monthly invoices should suffice.)
  • Documentation of all retirement plan funding by the employer for the immediately preceding 12 months. Copies of workpapers, schedules and remittances to the retirement plan administrator should be sufficient.
  • One form of identification, from the following list is required for existing customers - Driver's License;  State Identification; Passport with officially postmarked mail, such as a utility bill. 
  • Two forms of identification are required for new customers (Option 1:  Any two of the following: Driver's License;  State Identification; Passport with officially postmarked mail (such as a utility bill.)  or Option 2: Any of the previously mentioned forms of ID, plus one of the following - birth certificate; social security card; library card; or credit card.)
  • For new business customers, please provide articles of incorporation, operating agreement and bylaws, as applicable to your organization.

Your application to participate in the SBA PPP is subject to confirmation and review of payroll and financial information as well as SBA approval. By applying for a PPP loan you acknowledge that release and waivers signed or acknowledged within the PPP loan process up to and including the application through funding of proceeds applies to both existing claims and future claims that may arise in connection with your PPP application. You further agree that release and waivers supersedes any communications, understandings, and agreements by or between the parties with regard to any of the issues set forth herein. Requirements subject to change under the guidance of the SBA and U.S. Treasury. Funds are limited.

For SBA-PPP Loan Applicants

Please upload your files securely by clicking below.  


SBA Application

A U.S. Treasury Department application is required to apply for funds. Please click on the link below to access a PDF version of the application.


SBA Loan Calculator

To help you estimate the maximum loan availability and forgiveness amount for your specific circumstances, please click on this link to download the zipped excel file.