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Small Business Administration (SBA) Loan Programs

Update 3/9/21

Please find updated applications for Schedule C borrowers below:


Update 2/24/21

The White House has announced several measures to ensure the smallest businesses have access to Paycheck Protection Program loans, including an exclusive application window for businesses with fewer than 20 employees, a revised loan calculation and funding set-aside for sole proprietors and self-employed individuals and new eligibility for businesses owned by those with certain felony convictions. The current round of funding expires on March 31.They will provide an exclusive 14-day window, starting Wednesday, Feb. 24, when only businesses with fewer than 20 employees are eligible to apply. Please reach out to your lender for more information or visit the SBA website for full details


For Businesses Affected by Covid-19

Please note we are not currently accepting applications.  We will let you know when we are able to begin taking them.

UPDATED 12/30/2020: On December 27, 2020, the President signed into law the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act. The Act includes the continuation and expansion of the Paycheck Protection Program (PPP), subject to certain eligibility requirements and borrowing restrictions. While we are in the process of gathering updated details and guidance from the U.S. Small Business Administration (SBA) about the new round of funding, this is what we do know: 
Details that we know now - As we know more, we will continue to update this information. 
  • Eligible businesses: Businesses, some non-profits, self-employed workers and independent contractors are among those eligible. 
  • Existing PPP borrowers may apply for a second loan provide they have 300 or fewer employees AND can demonstrate they experienced a 25% reduction in gross receipts during a quarter in 2020 compared with the same quarter in 2019. 
  • It is anticipated that first time PPP borrowers will be subject to the program's original eligibility requirements.
  • Maximum for second draw loans is $2 million.  Loan amounts will be based on an applicant's payroll. 
  • Second time PPP borrowers will generally be able to borrow an amount equal to 2.5 times their average monthly payroll cost.   One exception - applicants in the accommodation and food services industries, as designated by the SBA are eligible for loans that are equal to 3.5 times their average monthly payroll. 
  • Loan forgiveness: if proceeds are used for payroll costs and other designated business operating expenses in the 24 weeks following the date of loan origination, not more than 40% of the forgiven amount may be for non-payroll costs - the definition of forgivable expenses has been expanded in this second round to include purchase of PPE and other Covid-19 related expenses. 
This new program is just part of an effort by the SBA to  expeditiously provide capital to financially distressed businesses affected by the Coronavirus (COVID-19) pandemic. Since March 17, SBA has taken the following steps:
  • Declared all states and territories eligible for Economic Injury Disaster Loan assistance
  • 1-year deferment on Economic Injury Disaster Loans provided due to COVID-19
  • Automatic deferment of previous disaster loans for homeowners and businesses through
  • Waiver of garnishments through 2020

Visit for more information on SBA’s assistance to small businesses.


Visit our SBA PPP forgiveness page for more information.


For more information about other programs available, visit the SBA:


General SBA Information

Start or expand your business with loans guaranteed by the Small Business Administration (SBA). SBA loans offer a wide variety of financing options. 

To find out if an SBA loan would be right for your business, contact one of our lenders today at 800-564-3195.

Benefits of SBA-Guaranteed Loans

  • Competitive Terms 

    • SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.
  • Counseling and Education

    • Some loans come with continued support to help you start and run your business
  • Unique Benefits

    • Lower down payments, flexible overhead requirements, and no collateral needed for some loans.