PAYCHECK PROTECTION PROGRAM
LOAN FORGIVENESS

Before you apply for loan forgiveness


Step 1

Learn about the application process

Watch our overview video on the PPP forgiveness process. It’ll help you prepare for the application and give you an idea of what to expect.

Step 2

Gather your documents

There are specific documents you’ll need to have for submitting your application. See the types of documents you’ll need.


Step 3

See if you are eligible to complete the EZ application

Depending on your situation, you’ll either need to complete the EZ application or the standard forgiveness application. See which one is for you.

Step 4

Go to your dashboard

Start your application here. But first, you’ll need your SBA loan number to sign in. We’ll email it to you when you’re eligible to apply.

Sign In To PPP Forgiveness

Learn about the application process

Watch a short video about the forgiveness application process at Bank of the West


Replay video Play video

Gather your documents

To apply for the Paycheck Protection Program (PPP) loan forgiveness, you’ll need to provide documents to substantiate how your loan proceeds were used by your business. Many payroll providers are creating custom reports for this purpose, so you may want to check in with yours to see what’s available. If you plan to start gathering documentation on your own, here’s what you’ll need.


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 Applications (SBA Form 3508 or 3508EZ) covers many special circumstances, provides information on selection of the Covered Period (or Alternative Payroll Covered Period) for payroll, and addresses how to treat FTE Reduction. The SBA also continues to provide updates on forgiveness documentation requirements at SBA.gov.

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.

See if you are eligible to complete the EZ application

There are two types of applications: the EZ application which has fewer calculations, and the standard forgiveness application, which is required for more complex situations. You'll only need to do one or the other.

If you meet the criteria of at least one of the three bullet points below, then you may be eligible for the EZ application process.

  • You are self-employed, an independent contractor, or a sole proprietor with no employees.
  • You didn't reduce annual salary or hourly wages by more than 25% between Jan. 1 and Mar, 31, 2020, and you didn't make cuts to the number of employees or their hours (some exceptions apply).
  • You didn't reduce annual salary or hourly wages by more than 25% between Jan. 1 and Mar, 31, 2020, and you had to reduce business activity due to COVID-19 health laws.

See the full eligibility requirements here.

If you are eligible for the EZ application, then you can move straight to the next step, and sign in to start your application.

Not eligible for the EZ application? You will need to complete the standard forgiveness application.
If you don't meet the criteria of at least one of the points above, then you'll need to complete the standard forgiveness application. Don't worry, we’ve created a tool to help you complete it that we call the Forgiveness Assistant Form. The Forgiveness Assistant Form is required to complete the standard forgiveness application with Bank of the West. Download the Forgiveness Assistant Form and access helpful information here.

Go to your dashboard

Ready to sign in and start your application? Remember, you’ll need your SBA loan
number to sign in. We’ll email it to you when you’re eligible to apply.

SIGN IN TO PPP FORGIVENESS

Frequently Asked Questions

Still have questions? Find additional information about the Paycheck Protection
Program and loan forgiveness process by visiting our FAQ resource page.

Don’t Panic: The Small Business Guide to PPP Forgiveness Part 2

Did your business receive a SBA PPP loan? Watch the replay of the June 30 webinar for insights from Bank of the West, KPMG, and Wilson Sonsini and learn ways to navigate loan forgiveness and get yourself set up for success.



For a full transcript of the webinar, click here