Skip Navigation
Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader.

Paycheck Protection Program

2021 Relief Funding - updated 5.6.21


May 5, 2021 - PPP Loan applications no longer accepted

The Small Business Administration (SBA) has announced that funding for the Paycheck Protection Program (PPP) has been exhausted.  As a result, most financial institutions, including Civista Bank, are no longer able to submit applications to the SBA.  As this funding program winds down and in keeping with its goal to serve underserved communities,  the SBA has stated that new qualifying applications can only be funded through lenders designated as Community Financial Institutions (CFIs).

Additional SBA COVID Relief Programs

If you are interested or have any questions on additional COVID relief programs, please visit

PPP Program Highlights - Winter 2021  

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

  • $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
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.

Business team looking at something displayed on their computers
Treasury Management
Two women shopping.
Civista brand mark

PPP Forgiveness Information
Woman on couch on laptop.
Civista Learning Vault

This information is based upon current program information as of 5.6.21. 

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.