Paycheck Protection Program Round 3

We have closed accepting PPP applications.

Updated May 4, 2021

  • We have closed accepting new PPP loan applications as the SBA has notified us that PPP loan funds have been exhausted.
  • Customers that submitted a loan application and received an SBA loan number can expect your loan to be funded within 10 business days.
  • If you applied and your loan is pending SBA approval, your loan will mostly likely not proceed forward as the SBA has closed accepting applications from financial institutions like Bank of the West. However, if you need a PPP loan, your local Community Development Financial Institution (CDFI) may still be accepting PPP loan applications as the SBA has reserved PPP funds for smaller lending institutions.
  • If you’re preparing for loan forgiveness or are eligible to apply for forgiveness, visit our dedicated PPP Loan Forgiveness Center here.

PPP loan application information

Step 1

Know the important PPP details

There are certain PPP application and program information you will need to know before you apply.

Step 2

Determine your "First Draw" loan or "Second Draw" loan eligibility

The SBA provides 3 different paths to PPP financing. Know what loan option fits your situation

Step 3

Gather your required documents & information

When you apply, you will need to upload certain documents and input information about your business. Learn what is required.

Step 4

Access your loan application


Questions/Issues? See FAQs

General PPP Information

Before you apply, please review the following important details which includes information on what you’ll need to complete the application. You may also want to consult a tax professional before you apply.

  • To apply with us, you must have an active Bank of the West business checking account. If you do not have an active business checking account with us, visit your local Bank of the West branch or contact a relationship manager to open an account. Once your business checking account opening process is complete, return here to apply for a PPP loan
  • The SBA requires that your business must have been in operation on February 15, 2020 and is not permanently closed to be eligible for a PPP loan
  • Additional eligibility requirements exist depending on if you apply for a first draw PPP loan or a second draw PPP loan – see detail below

Determine your first draw loan or second draw loan eligibility

Depending on your business situation, there are three different paths to apply for PPP funding. Before you apply, know which PPP loan path you are eligible to apply for.

Gather your required documents & information

To apply for a PPP First Draw or Second Draw PPP loan with Bank of the West, you will need to provide information and upload certain documents to help substantiate information about your business and your loan request.

Required information

  • Bank of the West Business Checking Account number and routing number
  • If you currently have a PPP loan or Economic Injury Disaster Loan (EIDL), you may need to provide:
    • SBA Loan #
    • PPP Loan amount
    • EIDL #
    • Loan amount
  • If you are applying for a second draw PPP loan, you will need to provide additional documentation to substantiate your loss in gross revenue/receipts, such as relevant tax forms or financial statements.

Required financial documents

If you are applying for a second draw PPP loan and your requested loan amount is $150,000 or more, you will need to submit certain required financial documents when you apply to substantiate your loss of at least a 25% in gross revenue/receipts.

Note, financial documents are not required at this time if you are applying for a second draw PPP loan less than $150,000, or if you are applying for a first draw PPP loan.

Required payroll document

Click on your business type below for a list of documents you need to have ready. Third party vendor PPP payroll reports (eg. ADP, Paychex) are also acceptable forms of payroll documentation. We encourage you to submit third party vendor PPP payroll reports (eg. ADP, Paychex) as they are also acceptable forms of payroll documentation. However, submission of documents other than third party vendor payroll reports and/or those listed below may cause delays in processing your loan application.

Please note, we support the following document file types: .pdf, .doc, docx, .xls, .xlsx, .rtf, .csv, .png.

This list applies to the majority of businesses, but your situation may be unique, especially if you are a self-employed. The Paycheck Protection Program Forgiveness Application (SBA Form 3508) covers many special circumstances, provides information on selection of the covered forgiveness period for payroll, and addresses how to treat FTE Reduction.

Organize all the documents you gather and put them in a safe place; the SBA requires you to retain them for six years after your loan is fully forgiven and/or repaid, and to have them available for review in the future if requested.

Top PPP application FAQs

1. Schedule C self-employed applicants:

In March, the SBA rolled-out new PPP rules for self-employed businesses who file IRS Form 1040 Schedule C to calculate PPP loan amounts using gross income instead of net profit. The rule change provides access to larger PPP loan amounts for businesses that may not report net profit on Schedule C.  

To apply with us using Schedule C: In our online portal, you must submit IRS 1040 Schedule C for 2019 and/or 2020 and IRS 941 for the corresponding Schedule C year(s) if you have employees (IRS form 941 is only required if you have employees). Eligible Schedule C business types are Sole Proprietors with or without employees, Self-Employed Individuals, Independent Contractors, Self-Employed Individuals organized as a Limited Liability Company (LLC) and Qualified Joint-Ventures (spouses). For additional details, including loan amount calculation information, visit

If you already applied for a PPP loan: Customers that have applied but have not yet received an SBA loan approval, we will be in touch with you regarding your PPP loan application. If you have previously applied and received an SBA loan approval, we are unable to process increases on your PPP loan. Note repayment of your current PPP loan and reapplying is prohibited.

2. Registration or sign in issues:

If you are applying for a PPP loan, you must first register for a PPP profile to start your application. If you are registered for loan forgiveness with us, use your log in information to sign in to start your application.

3. First-time authentication:

When you register for the first time, we use dual-authentication technology to validate your identity. You will be asked to enter a phone number to receive a unique code. The code can be sent to you via text/SMS message (mobile phones only) or by phone call to either your landline phone or your mobile phone. You then will enter your code when prompted during your registration.

4. Temporary one-time password email not received:

If you are registering for the first time or resetting your password and you do not receive an email containing your temporary one-time password, this may be because: 1. the email can be found in your spam or junk folder (most frequent issue) or 2. if the email is NOT in your spam or junk folder, we recommend that you register again.

5. Checking account number:

You are required to enter your Bank of the West business checking account number and routing number when you apply. The account number entered must be a Bank of the West account.

6. NAICS code:

When you apply, you will be asked for your business' North American Industry Classification System (NAICS) code. You can locate your code on your tax documents.

7. Existing PPP loan information:

If you have an existing PPP loan, you must enter your SBA loan number and the original loan amount when you apply. You can find your SBA loan number near the top of your existing PPP loan promissory note.  Important: do NOT include dashes or hyphens when entering your loan number.

8. Tax ID number (TIN):

If you are applying for a second draw PPP loan, you must enter the TIN number from your existing PPP loan from 2020.

Get more answers to our common PPP questions by visiting our FAQ resource page.

You’re ready to apply

Ready to get started? If you know which PPP loan path your business is eligible for and you have your documents and information ready, you’re all set.

Get Started

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PPP application loan timeline

PPP loan forgiveness

If you’re preparing to apply for loan forgiveness or are eligible to apply, visit our dedicated PPP Loan Forgiveness Center.