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Paycheck Protection Program (PPP) Loans

The Paycheck Protection Program is a loan program that originated from the Coronavirus Aid, Relief, and Economic Security (CARES) Act designed to provide a direct incentive for small businesses to keep their workers on the payroll. The loans are eligible for forgiveness if specified criteria are met. 

The program is administered by the Small Business Administration (SBA). You can access their website for the latest guidance at https://www.sba.gov/funding-programs/loans/coronavirus-relief-options


We’re Here to Help

Our experienced lending team is here to assist you with the Paycheck Protection Program (PPP) every step of the way. Existing business customers should contact their Firstar Bank Loan Officer directly with questions. If you are not currently a business customer or you need additional guidance, please call our Customer Care Center at 866-681-1650 and ask to speak to a PPP Loan Officer. 

What expenses do PPP Loans cover?

PPP Loans can be used to help fund payroll costs, including benefits. Funds can also be used to pay for mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations.

How to Apply

If you are applying for a PPP Loan for the first time, please review the First-Draw Borrower resources below. 

 

First-Draw Borrower Overview

First-Draw Borrower Application (Form 2483)

First-Draw Borrower Application for Schedule C filers using Gross Income

 

If you received a PPP Loan in the earlier round of funding, please review the Second-Draw Borrower resources below. 

Second-Draw Borrower Overview

Second-Draw Borrower Application (Form 2483-SD)

Second-Draw Borrower Application for Schedule C filers using Gross Income

 

Loan Forgiveness

Below are resources to assist you with the PPP Loan Forgiveness process. 

There are three application options. Each borrower must complete the appropriate application along with supporting documentation. Here is the Small Business Administration's guidance on How to Calculate Loan Amounts.

3508S

This application is for all loans $150,000 or less. If you are completing form 3508S, you must maintain the required documentation necessary to support the forgiveness application but you are not required to submit it.

3508S Application Form and Instructions

3508EZ

This application is for borrowers whose loan amount exceeds $150,000 AND who can answer one of the three questions on the 3508EZ instructions list provided below. You will also need to submit the required documentation outlined in the PPP Forgiveness Documentation Checklist below.

3508EZ Application Form and Instructions

PPP Forgiveness Documentation Checklist

3508

This application form is for borrowers whose loan amount exceeds $150,000 AND have 1) Reduced salary or wages of any employees by more than 25% and reduced the number of employees or the average paid hours; 2) Reduced annual salary or hourly wages of any employees by more than 25% and were unable to operate at the same level of business activity as before Feb. 15 due to compliance with specific health and safety requirements as outlined in the PPP Flexibility Act. 

3508 Application Form and Instructions

PPP Forgiveness Documentation Checklist