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PPP Forgiveness

SBA Paycheck Protection Program

PPP Loan Forgiveness

Under the Small Business Administration (SBA) Paycheck Protection Program (PPP), loans may be forgiven if borrowers use the proceeds to maintain their payrolls and pay other specified operating expenses, including interest on mortgages, rent and utilities. Currently, at least 60% of the forgiven amount must be used for payroll costs.

Latest News

February 26, 2021: New Forgiveness Applications Released by the SBA

  • Three new forgiveness applications have been released by the SBA. In order to give time for the Forgiveness platform to be updated with the new applications, businesses may not start a new application until next Friday, March 5th.
  • Applications that are in process must be submitted to the SBA by the end of the day on February 27th. Applications not submitted by then will be rolled back into the Saved Applications phase, so that the updated questions can be answered. You can restart your application March 1st to submit on March 10th, and your previous work should be saved.
  • Applicants with loans of $150,000 or less will automatically default to the new 3508S applications in the PPP Forgiveness Portal.

January 8, 2021: Simplified Loan 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


The latest COIVD Relief package includes changes to simplify PPP forgiveness requests for borrowers with loans $150,000 or less. Program updates and details will be shared as soon as they are finalized by the SBA.

October 8, 2020:  Simplified Loan Forgiveness Application Released

The SBA, in conjunction with the Treasury Department, released a simpler PPP loan forgiveness application, SBA Form 3508S, for loans of $50,000 or less.  According to the form instructions, SBA Form 3508S requires fewer calculations and less documentation for eligible borrowers. Borrowers that use SBA Form 3508S are exempt from reductions in loan forgiveness amounts based on reductions in full-time equivalent (FTE) employees or in salaries or wages.

The new form information has been added to Civista's PPP Forgiveness Online Portal.

For more information about PPP loan details visit

Civista PPP Forgiveness Portal IconRequesting PPP Loan Forgiveness

PPP Forgiveness Online Portal

  • No paper applications!  Our online portal guides borrowers through submitting the required information for the applicable SBA form.
  • Borrowers will upload their supporting document by expense category directly into the portal to complete their online Forgiveness application.

Getting Started

PPP loan Forgiveness Process 

PPP Forgiveness Status Bar example

  1. Submit Your Information:  Log in to the secure portal with the business’s (borrower’s) Tax ID and the authorized signer's email and social security number.  Then follow the screen prompts to enter your forgiveness information. 

    Good news!  Some fields will automatically populate using data from your original PPP loan application.
  2. Upload Supporting Documentation:  Upload the required documentation supporting the forgiveness information.    

  3. Bank Review:  The bank will review the submitted information and notify you when the application is ready for your electronic signature.  You may be contacted for additional information. 

  4. E-Sign Application:  Once signed through DocuSign, we will submit your forgiveness application to the SBA for final approval.  

  5. SBA Review:  The SBA has up to 90 days to approve.  We will be notified with their decision:  Full Forgiveness, Partial Forgiveness, or Request for Additional Information.

PPP Forgiveness Supporting Documentation

The SBA Standard 3508, EZ, and S Forms provide detailed instructions for the required documentation. Here are some helpful tips for payroll and non-payroll expenses.  

Uploading Supporting Documentation

Frequently Asked Questions

You (the Borrower) can apply for forgiveness of your Paycheck Protection Program (PPP) loan using this SBA Form 3508S if the total PPP loan amount you received was $150,000 or less.

The SBA issued a simplified PPP Loan Forgiveness Application called the 3508EZ Form on June 16, 2020 (revised January 19, 2021). This form is designed to reduce the required calculations for those that qualify. In order to qualify, you must:

  • NOT have reduced salaries of employee wages by more than 25%, and must not have reduced number of hours; OR
  • Have suffered a reduction of business activity as a result of health directives related to the COVID-19 pandemic and did not reduce employee salaries or wages by more than 25%.

If you, the borrower, do not qualify under one of the two criteria, you must use the Standard 3508 Form.

The deadline to apply for PPP Forgiveness will vary by borrower, depending on the Covered Period they have chosen (8 weeks or 24 weeks). As long as the borrower submits their loan forgiveness application within ten months of the completion of the Covered Period, the borrower is not required to make any payments until the forgiveness amount is remitted to the lender by the SBA. If a borrower doesn’t apply for forgiveness within the 10 month period, amortization will begin in the 11th month.

For example, if your loan disbursed on April 20, 2020, the 24-week Cover Period would end on October 5, 2020, and if the loan forgiveness application was not submitted by August 5, 2021, payments would begin.

Yes, the borrower will receive a payment notice in advance of any payment due.  Repayment is only required if the loan is not fully forgiven or you do not apply for forgiveness before the deadline.

The Form 3508 Instructions , Form 3508S Instructions and Form 3508EZ Instructions provide important eligible payroll and non-payroll expense information.  In addition, you’ll find the required documents needed to verify these expenses.

In addition to the supporting documentation that is required to be submitted with the borrower's forgiveness application, there are other documents that must be maintained by the borrower.

PPP Schedule A Worksheet or its equivalent and the following:

  1. Documentation supporting the listing of each individual employee in PPP Schedule A Worksheet Table 1, including the “Salary/Hourly Wage Reduction” calculation, if necessary.
  2. Documentation supporting the listing of each individual employee in PPP Schedule A Worksheet Table 2; specifically, that each listed employee received during any single pay period in 2019 compensation at an annualized rate of more than $100,000.
  3. Documentation regarding any employee job offers and refusals, refusals to accept restoration of reductions in hours, firings for cause, voluntary resignations, written requests by any employee for reductions in work schedule, and any inability to hire similarly qualified employees for unfilled positions on or before December 31, 2020.
  4. Documentation supporting the certification, if applicable, that the Borrower was unable to operate between February 15, 2020, and the end of the Covered Period at the same level of business activity as before February 15, 2020 due to compliance with requirements established or guidance issued between March 1, 2020 and December 31, 2020 by the Secretary of Health and Human Services, the Director of the Centers for Disease Control and Prevention, or the Occupational Safety and Health Administration, related to the maintenance of standards of sanitation, social distancing, or any other work or customer safety requirement related to COVID-19. This documentation must include copies of the applicable requirements for each borrower location and relevant borrower financial records.
  5. Documentation supporting the PPP Schedule A Worksheet “FTE Reduction Safe Harbor 2.”

Please visit the SBA PPP Loan Forgiveness Application Instructions to learn more about documentation requirements.

The Borrower must retain all documentation in its files for six years after the date the loan is forgiven or repaid in full, and permit authorized representatives of SBA, including representatives of its Office of Inspector General, to access such files upon request.

Please visit the SBA PPP Loan Forgiveness Application Instructions to learn more about documentation requirements.

PPP Forgiveness Email Series

To keep customers up-to-date on the latest PPP Forgiveness news from the SBA and Civista, emails are disseminated to PPP borrowers. See below for previous PPP Forgiveness Emails. 


  • 12.16.20 – Time is on Your Side - Plenty of Time to Apply for Forgiveness


  • 11.25.20 – Learn More About PPP FTE Documentation
  • 11.12.20 – Status Update on Invitations to the PPP Forgiveness Portal
  • 11.02.20 – Questions about the Forgiveness Application Deadline?


  • 10.26.20 – Selling the business? Considering a Change of Ownership?
  • 10.19.20 – Latest Update on Payment Deferral Period
  • 10.13.20 – SBA Introduces Simplified PPP Forgiveness 3508S Form
  • 10.05.20 – Featuring Q&A Hot Topics



  • 8.31.20 – What to expect when using Civista’s PPP Forgiveness Portal
  • 8.24.20 – Be aware of COVID fraud schemes
  • 8.17.20 – SBA makes additions to list of FAQs on PPP Loan Forgiveness
  • 8.10.20 – SBA released FAQs on PPP Loan Forgiveness
  • 8.03.20 – Document applicable expenses and FTE counts and review SBA guidelines


  • 7.27.20 – Introducing PPP updates from the Civista Lending Team

Other Helpful Resources

Questions about PPP Loan Forgiveness?

This information is based upon current program information as of  06.01.2021. 
Terms and conditions are subject to change.