Paycheck Protection Program Forgiveness

Orange line

The U.S. Department of the Treasury Paycheck Protection Program (PPP) has provided essential relief to American businesses in response to the COVID-19 outbreak. Review the information below to submit an application for PPP loan forgiveness.

The SBA provides PPP borrowers with the life of their PPP loans to apply for forgiveness, however, if the borrower does not apply for forgiveness within 10 months after the end of their covered period they will be required to begin making principal and interest payments on the loan at that time. The payments will be amortized over the remaining term of the loan.

Apply for PPP loan forgiveness

Orange line

Step 1: Review PPP Forgiveness Documentation

Please note: All borrowers with loans originating before September 2020 have received direct communication from INTRUST with final instruction and the following loan-specific information. For questions regarding this information, please contact SBAQuestions@intrustbank.com.

  • SBA PPP Loan Number
  • Lender PPP Loan Number
  • PPP Loan Amount
  • PPP Disbursement Date

Forgiveness Resources

Step 2: Complete a PPP Forgiveness Application

Please note: Per SBA guidelines, INTRUST Bank will issue a decision on forgiveness requests within 60 days of receipt of a complete forgiveness application. The SBA then has an additional 90 days to review the application and remit the forgiveness amount to the Bank. You will receive an email when INTRUST has submitted a decision to the SBA, and again when the SBA has made payment to the Bank.

For purposes of calculating PPP loan forgiveness, borrowers must identify the number of full-time employees with the organization at the end of either the chosen 8-week or 24-week covered period. Therefore, forgiveness applications can only be accepted after the end of the selected covered period.  Please do not submit your forgiveness application before your selected covered period has ended.  Doing so will require you to resubmit the application at a later date.

SBA 3508S Application: for PPP loans in the amount of $150,000 or less.

Please carefully read the application instructions for information on the required supporting documentation you must retain to support your forgiveness application in the event that the information is requested in the future. This information can be found beginning on page 3 of the document.

SBA 3508EZ Application: for PPP loan amounts greater than $150,000 and did not reduce salaries or wages by 25%.

Please carefully read the application instructions for information on the required supporting documentation to include with your forgiveness application. This can be found on starting on page 8 of the document.

SBA 3508 Application: all other PPP borrowers not eligible to file 3508EZ or 3508S.

Please carefully read the application instructions for information on the required supporting documentation to include with your forgiveness application. This can be found starting on page 12 of the document.

Step 3: Submit Your PPP Forgiveness Application

Your security is important to us.  We strongly advise any correspondence you send that contains personal information to be sent through our secure email message center.  Here's how:

  1. If you have not already, register an account with our Secure Email Message Center. For instructions on using secure email, review this guide.
  2. Log in to the secure email message center and click on the Compose tab to create a new email.
  3. Attach your completed application to the email along with all other required documents.
  4. Send the email to SBAlending@intrustbank.com

All required documents must be sent in a single email to SBAlending@intrustbank.com

Additional Support

If you have questions about the application process or required documents, please send them to SBAquestions@intrustbank.com. Please do not send your application to this email address, as it will not be processed. 

Resources for Businesses