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Paycheck Protection Program

2021 Relief Funding - updated 4.05.21

LATEST NEWS

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!

Get Started

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

Eligibility

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

- - Guidance on Maximum Loan Size Calculations

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
- How to Calculate Revenue Reduction and Maximum Loan Amounts
Participation excludes public companies, lobbying firms, politician ownership and entities with Chinese ownership/influence.

*See sba.gov for details

Current Civista Customers

Get Started
Non-Civista Customers

Funding from PPP loans must be initially deposited into a Civista business checking account.

Returning PPP Borrowers: Log into the Civista PPP Portal to begin your Second Draw PPP Loan Application. The Application User Guide provides step-by-step instructions.

Enter the PPP Online Portal
for Existing PPP Customer DOWNLOAD CIVISTA PPP PORTAL
APPLICATION USER GUIDE(OPENS IN A NEW WINDOW)

Please note your credentials to access the portal are as follows:

Business Tax Identification Number
Authorized Representative's Email
Authorized Representative's SSN

New PPP Borrowers: Civista customers can get started in the online portal by sending the following information to the email below:

Business Name;
Last 4#s of Business TIN;
Authorized Signer's Name;
Authorized Signer's Email Address;
Contact Number; and
whether you have a Civista business account to deposit proceeds.

Please do not provide any confidential information such as account number or full Business TIN#.
ppp@civista.bank

A representative will contact you to confirm your access and provide additional information.

It is Civista Bank's goal to take care of our customers and support the communities we serve.

As the Paycheck Protection Program continues to evolve, we believe it is in the best interest of all, both Civista and non-Civista customers, to work with their primary financial institution for the most efficient processing of PPP applications.

We appreciate your interest and understanding.

Current Civista Customers

Get Started

Funding from PPP loans must be initially deposited into a Civista business checking account.

Returning PPP Borrowers: Log into the Civista PPP Portal to begin your Second Draw PPP Loan Application. The Application User Guide provides step-by-step instructions.

Enter the PPP Online Portal
for Existing PPP Customer DOWNLOAD CIVISTA PPP PORTAL
APPLICATION USER GUIDE(OPENS IN A NEW WINDOW)

Please note your credentials to access the portal are as follows:

Business Tax Identification Number
Authorized Representative's Email
Authorized Representative's SSN

New PPP Borrowers: Civista customers can get started in the online portal by sending the following information to the email below:

Business Name;
Last 4#s of Business TIN;
Authorized Signer's Name;
Authorized Signer's Email Address;
Contact Number; and
whether you have a Civista business account to deposit proceeds.

Please do not provide any confidential information such as account number or full Business TIN#.
ppp@civista.bank

A representative will contact you to confirm your access and provide additional information.

Non-Civista Customers

It is Civista Bank's goal to take care of our customers and support the communities we serve.

As the Paycheck Protection Program continues to evolve, we believe it is in the best interest of all, both Civista and non-Civista customers, to work with their primary financial institution for the most efficient processing of PPP applications.

We appreciate your interest and understanding.

2021 PPP Loan Features

SBA PPP 2021 Details

Additional Resources

SBA Guidance

SBA Paycheck Protection Program

First Draw - Guidance on Maximum Loan Size Calculations

Second Draw - How to Calculate Maximum Loan Amounts for PPP Loans

Interim Final Rule on Paycheck Protection Program as Amended by Economic Aid Act

Interim Final Rule on Second Draw PPP Loans

PPP Borrower Application Forms

PPP Borrower Application Form 2483

PPP Second-Time Borrower Application Form 2483-SD

First-Draw Application for Schedule C Filers using Gross Income Form 2483-C

Second Draw Application for Schedule C Filers using Gross Income Form 2483-SD-C

Additional COVID Relief Programs

Economic Injury Disaster Loan (EIDL)

Targeted EIDL Advances

Shuttered Venue Operators Grant (SVOG)

Restaurant Revitalization Fund - Coming Soon

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

FAQs

How soon can I apply?

We encourage Civista customers to get started by visiting or requesting access to Civista’s PPP online portal, as applicable to their situation.

What are the permitted payroll costs?

For employers, permitted payroll costs will include any compensation with respect to an employee that is:

salary, wage, commission, or similar compensation;
payment of cash tip or equivalent;
payment for vacation, parental, family, medical, or sick leave;
allowance for dismissal or separation;
payment required for the provisions of group health care benefits, including insurance premiums;
payment of any retirement benefit;
payment of state or local tax assessed on the compensation of the employee.

Note: excludes compensation of an individual employee in excess of an annual salary of $100,000, as pro-rated for the covered period.

If you are a sole proprietor, independent contractor or self-employed individual:

Take the wage, commission, income, net earnings from self-employment, or similar compensation that is not more than $100,000 in one year as pro-rated for your designated covered period.

What payroll costs are excluded?

The Excluded Payroll Costs are defined as:

Compensation of an individual employee in excess of an annual salary of $100,000, as pro-rated for the period February 15, to June 30, 2020.
Payroll taxes, railroad retirement taxes, and income taxes
Any compensation of an employee whose principal place of residence is outside of the United States.
Qualified sick leave wages for which a credit is allowed under section 7001 of the Families First Coronavirus Response Act (Public Law 116–5 127); or qualified family leave wages for which a credit is allowed under section 7003 of the Families First Coronavirus Response Act.

Can I apply for a second PPP loan if my first loan hasn't been forgiven yet?

Yes, you do not need to apply for forgiveness to apply for a second loan. Exceptions may exist for loans that are 'in review' by SBA.

Can I change my PPP application information once submitted in the Civista PPP Portal?

Information can be edited in the portal until it is submitted for bank review. Once an application has advanced through bank review and submitted to the SBA, it cannot be edited.

How does this impact my existing PPP loan?

Tax Treatment: The new law overturns the IRS ruling and provides that regular business expenses paid for with PPP loan proceeds shall be deductible for tax purposes (applies to past and future loans). Customers should consult their tax advisor for details.

Expanded List of Expenses Qualifying for Forgiveness: The list of expenses that PPP funds can be used for that qualify for loan forgiveness has been expanded to include:

“operations expenses” defined as payments for business software and cloud computing services and other human resources and accounting needs that facilitate business operations;
“supplier costs” defined as payments to a supplier for goods that are essential to the operations of the borrower pursuant to a contract or purchase order in effect before the PPP loan is disbursed or with respect to perishable goods, in effect at any time;
“worker protection expenses” defined as operating or capital expenditures to comply with public health guidance related to COVID-19, including things like drive-through windows and sneeze guards and the purchase of personal protective equipment (PPE); and
“covered property damage costs” defined as costs related to property damage or looting due to public disturbances in 2020 that are not covered by insurance or other compensation.

Remember: It is still the case that not more than 40% of the forgiven amount can be for non-payroll costs, which may limit how much of your loan can be forgiven.

Loan Forgiveness Reduction: If you also received an EIDL grant, your PPP loan forgiveness will no longer be reduced by the amount of the grant.

Loan Forgiveness Period: The period for which expenses count toward loan forgiveness will begin on the date of loan origination and end on a date of your choosing that is between 8 and 24 weeks after origination.

Simplified Forgiveness Application: If your loan was for less than $150,000, a simplified application is available for loan forgiveness.

Source: USChamber.com

Simplified Forgiveness Highlights

Businesses may now deduct expenses covered by forgiven PPP loan proceeds on their taxes; consult your tax advisor for additional guidance
Economic Injury Disaster Loan (EIDL) grants will not be deducted from forgiveness amount
Expanded list of expenses qualify for loan forgiveness; however 60% of loan proceeds need to be used for eligible payroll expenses to achieve full forgiveness

Learn More About Forgiveness

We’re here for you

If you have questions or concerns, please contact our PPP hotline at 844.541.0300 or email pppforgiveness@civista.bank

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.

PPP Forgiveness Information

Woman on couch on laptop.

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.

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