Small Business or Commercial Loan Payment Assistance

Paycheck protection program 

On March 27, 2020, Congress passed and the President signed the Coronavirus Aid, Relief and Economic Security Act (CARES Act). Part of the relief includes loans for qualifying businesses affected by the pandemic. The loan program, which is offered by the Small Business Administration (SBA) is referred to as the “Paycheck Protection Program”.

It is your obligation to stay informed of the latest guidance related to the Paycheck Protection Program at the SBA, U.S. Treasury Assistance for Small Business and U.S. Treasury FAQ websites.

All borrowers should review carefully the required certification that "current economic uncertainty makes this loan request necessary to support the ongoing operations of the Applicant." Borrowers must make this certification in good faith, taking into account their current business activity and their ability to access other sources of liquidity sufficient to support their ongoing operations in a manner that is not significantly detrimental to the business.

If you are interested in applying for the Paycheck Protection Program or requesting commercial loan payment assistance, please contact commlenders@capfed.com. Include your business name, contact name, and contact information.


The Small Business Administration and Treasury Department this evening released the application that borrowers must complete in order to have their Paycheck Protection Program loan forgiven. The form includes detailed information about the costs that are eligible for forgiveness and instructions for calculating those costs.

SBA announced several measures intended to reduce compliance burden and simplify the forgiveness process for borrowers, including a safe harbor from loan forgiveness reduction for borrowers that were able to rehire employees who had previously been let go or laid off by June 30, 2020. It also included an exemption from forgiveness reduction for borrowers who have made a good-faith, written offer to rehire workers that was declined.

Additionally, SBA provided an option for borrowers to calculate payroll costs using an “alternative payroll covered period” that aligns with their regular payroll cycles, and flexibility to include eligible payroll and non-payroll expenses paid or incurred during the eight-week period after receiving their PPP loan.

SBA noted that it will soon issue regulations and additional guidance for borrowers on completing the forgiveness form, as well as guidance for lenders detailing their responsibilities. Access the form.


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