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Paycheck Protection Program

2021 Relief Funding - updated 4.05.21


April 1, 2021 - PPP Program Application Deadline extended to May 31, 2021

The Paycheck Protection Program Extension Act of 2021, signed into law on March 30, 2021, has extended the deadline to apply for PPP funds to May 31, 2021.  Visit the Federal Register to learn more about Business Loan Program changes.

JANUARY 19, 2021

The new coronavirus relief package provides another $284 billion for the Paycheck Protection Program (PPP) in 2021.  These funds are allocated for both new PPP borrowers and additional money to 2020 PPP loan recipients.  In addition, a new PPP forgiveness application was announced to further simplify loan forgiveness for borrowers with PPP loans up to $150,000.

The Small Business Administration re-opened its doors for accepting PPP applications on January 11, 2021 with a phased-in approach for lenders, beginning with designated community development institutions. Civista Bank began submitting completed customer applications from the Civista PPP Portal on Tuesday, January 19, 2021.

The online Civista PPP Portal guides borrowers step-by-step through completing the application, uploading supporting documentation and electronically signing loan documents following SBA approval - no paper applications!

PPP Program Highlights - Winter 2021  

  • New funding is available through May 31, 2021, or until new funds are exhausted.

  • $2 million maximum loan amount (2nd PPP Loan); $10 million maximum (1st PPP loan)

  • Certain industries, such as restaurant and hospitality businesses (registered with a NAICS code beginning with 72), may now qualify for 3.5x their eligible monthly payroll for 2nd PPP loans; all other industries remain at 2.5x monthly payroll

Loan Terms

  • 1.00% APR
  • No Fees
  • 5 Year Term, with 10 month deferral period
  • Up to 100% forgiveness


First Loan - Business did not receive a PPP loan in 2020

  • Less than 500 employees; exceptions exist for certain industries like hospitality and food with more than one location if individual location employs less than 500. 
  • In addition to small businesses - including sole proprietorships, independent contractors, and self-employed individuals -  the following entities may also be eligible for a PPP loan:   501(c)(6) organizations, local news media organizations, and housing cooperatives.
January 19 Update - SBA has released guidance on calculating the maximum loan amounts for first-time PPP loans and what documentation is required for different types of businesses
Second Loan - Business Received a loan in 2020 and is requesting a second PPP Loan
  • Less than 300 employees; 
  • Have used all of your original loan funds; and 
  • Gross revenue reduction of 25% or more during any quarter of 2020 compared to the same quarter 2019
  • Participation excludes public companies, lobbying firms, politician ownership and entities with Chinese ownership/influence.
*See for details

We’re here for you

If you have questions or concerns, please contact our PPP hotline at 844.541.0300 or email

Security Tips

Use secure email when exchanging your personal information, including applications and important documents with the bank.  Contact us first to establish a secure email portal. 

Be Alert.  Scams targeting small businesses are increasing and disguised as offers to access the government stimulus funds more quickly.  Businesses do not pay fees for the PPP program. Civista Bank information security experts recommend never responding to offers of help you did not initiate by phone, email or text.

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Treasury Management
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PPP Forgiveness Information
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Civista Learning Vault

This information is based upon current program information as of 4.05.21. 

Terms and conditions are subject to change.

Please be aware that Civista Bank does not retain, engage, or consent to the retention or engagement of, or in any way provide compensation to Agents as part of the PPP process for any assistance third parties may provide to others or otherwise.