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ATTENTION! The paycheck protection program (PPP) loan application period ended on May 31, 2021. If your business received a PPP loan and you’re seeking information on loan forgiveness, visit Lendio’s PPP Loan Forgiveness page. YOU MAY STILL QUALIFY FOR THE EMPLOYEE RETENTION CREDIT. APPLY FOR THE ERC THROUGH LENDIO.
This step-by-step guide will walk you through our PPP application to ensure you have a completed application—so that it can be submitted, approved, and funded as fast as possible.
SBA Paycheck Protection Program (PPP) Loans
Begin your PPP loan application through Lendio to be matched with a PPP lender. Lendio is not a lender, and an application submitted through Lendio does not guarantee you will receive a PPP loan or be matched to a lender. We will accept applications throughout the program or until allocated funds for the program have been exhausted.
Collect the following documents prior to starting the application to ensure the process goes as smoothly as possible. To complete the application, you’ll need:
For all business types:
For all business types, you’ll need proof that you were in business on or before Feb. 15, 2020:
For all businesses, you’ll need the applicable tax document that you use to file your taxes:
For all businesses that have W2 employees, you’ll need documentation to prove your payroll costs:
Fill in your information to create a loan profile with Lendio. If you already have an account, click “Sign in.”
After creating a Lendio account or logging into your current account and getting started with the PPP application, confirm whether you are applying for your first or second PPP loan.
For Second Draw eligibility, you must be able to demonstrate at least a 25% revenue reduction.
After selecting ‘Next,’ confirm whether ownership has changed.
On the first “Owner Information” page, confirm whether or not anyone owns a 20% or larger stake in the business.
If so, please enter the owner % that you (the applicant) own and add any additional owners with 20% ownership using the link near the bottom of the page.
If no one owns a 20% stake in the business, please indicate and confirm that you are authorized to fill out the PPP application on behalf of the business you are applying for. The ownership percentage must be greater than 0.
On the “Upload Identification & Voided Check” page, you should upload and review all necessary identification documents. Confirm that everything previously uploaded is correct and add any documents you’re missing to ensure a completed PPP application.
If you don’t have the following attachments added to your application, please upload them:
Upload all eligible documents that provide proof of your average monthly payroll. If you do not have W2 employees, this section is not required.
Required for certain business types:
Click ‘Next’ and upload the tax document that aligns with how you file taxes:
Upload the tax document that aligns with how you file taxes:
Upload the following documents depending on your business type:
Enter demographic information. Disclosure is voluntary and will have no bearing on the loan application decision.
Data is collected for program reporting purposes only.
It’s almost time to sign on the dotted line. Before you resubmit your PPP application, please:
You’ve successfully submitted your application and you’re good to go! Curious about the next steps in the process? Check out what happens after you apply.
While every effort is made to ensure the accuracy of information when a story is published, the coronavirus pandemic and Paycheck Protection Program (PPP) have caused details to change at a rapid pace. Additional guidance from the government may change or clarify certain aspects of the forgiveness process and could result in changes to the information contained in these pages. For the most up-to-date information, please visit the COVID-19 section of our website. For more information, you can call us at (855) 853-6346. Lendio is not responsible for and provides no warranty as to the accuracy of this content. Lendio does not provide legal, accounting or tax advice. The information and services Lendio provides should not be deemed a substitute for the advice of such professionals who can better address your specific concern and situation.
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