List of required PPP application documents

1. Completed PPP Application Form

First time borrowers form

Second time borrowers form 

  • Include your contact name and email address.
  • List the names of all owners (over 20%).
  • Indicate your Business Type (Independent Contractors and Sole Proprietors require different documents.)
  • Check Yes or No for all questions on the form.
  • For first time borrowers:


    • If you answer Yes to questions 1,2, 5, or 6, you do not qualify for a PPP loan.
    • If you answer Yes to question 3 or 4, you may still qualify, but you must include an Addendum on a separate sheet explaining the details.

2. Average monthly payroll costs (only applies to businesses with employees)
See below for a summary of what business owners can classify as payroll expenses:

  • Payroll costs include: employee salary, wages and commissions; payment of cash tips; payment of vacation; parental, family, medical or sick leave; allowance for dismissal or separation; payment required for group health benefits (including insurance premiums); or payment of state or local tax assessed on employee compensation; and for sole proprietors or independent contractors, income or compensation not in excess of $100,000 per employee.
  • Payroll costs exclude: compensation of an individual person in excess of $100,000 (when annualized); 1099 workers, consultants, or independent contractors; compensation to an employee whose principal residence is outside of the U.S.; qualified sick leave for which a credit is allowed under Section 7001 of the Families First Coronavirus Response Act; and qualified family leave wages for which a credit is allowed under Section 7003 of the Families First Coronavirus Response Act. 
  • Show your work. Borrowers must “show their work” on how they calculated the requested loan amount, and retain the supporting documentation that they used to get to that figure.

3. 2019 or 2020 Proof of Payroll Costs (or Self Income)

  • If you have employees (even as a partnership), you must provide one of these documents:
    • IRS Form 940 
    • IRS Form 941  (Please note this is a quarterly form, so you must include all four quarters unless you were established less than a year ago. If that is the case, then you need to provide a Form 941 for every quarter since you were established
    • IRS Form 944 
    • Payroll processor records from a PEO (Professional Employer Organization) Examples: Paychex, ADP, etc. 
  • If you are a partnership without employees, you must provide:
    • Schedule K-1 (IRS Form 1065). [See here for more info.] Check profit noted on line 14a. If you have no employees and line 14a is $0 or less, you do not qualify for a PPP loan.
  • If you are self-employed as a single member LLC, sole proprietor, or independent contractor without employees, you must provide an IRS Form 1040 Schedule C (or 1099-MISC for Independent Contractors) to prove your own income. Check profit noted on line 31. If line 31 shows $0 or less, you do not qualify for a PPP loan.
  • Proof of health insurance payments may also be accepted (but are not required) as part of the lender’s document review and loan calculation process. For Sole Proprietors & Independent Contractors, receipts and invoices showing payments can be in your name. All other types of companies should share receipts, invoices, or a PEO report if available in the name of the business (not your own name).

4. Proof of Ownership
You must provide each owner’s name and Social Security Number (SSN), Taxpayer Identification Number (TIN), or Employer Identification Number (EIN), plus one of these documents listed below. (If your business has more than one owner over 20%, you must list percentages for all owners).

  • For corporations (with employees) and partnerships:
    • 2019 or 2020 Schedule K-1 (IRS Form 1065). [See here for more info.]
    • Articles of incorporation (with SSN) if they show ownership, and must show % of ownership to be acceptable.
    • Bylaws or operating agreement if they show ownership, and must show % of ownership to be acceptable.
  • For Sole Proprietors and Independent Contractors:
    • 2019 or 2020 IRS Form 1040 Schedule C that shows business name and owner name, or
    • IRS Form W9 (for Independent Contractors only).

5. Unexpired, Government-issued Driver’s License or Passport for All Owners Over 20%

6. Email Addresses for All Owners with 20% or More of the Business

7. Electronic Funds Transfer Information

  • For independent contractors and sole proprietors, the bank statement can be in the business owner’s name.
  • For all other business types, the bank statement must be in the business name. 

8. Proof of Business Operation and Active Status with Secretary of State (SOS)
To verify that your business is Active and in Good Standing, you will need to provide either a pdf or just a screenshot of the certificate from your state's Secretary of State website. 

Note: this certificate is not required for Independent Contractors and Sole Proprietors.

If you need to obtain a business certificate, consult your local Secretary of State website (see below for local websites).

If you are applying for your second PPP loan, you will also need:

1. The SBA Loan number for your first PPP loan. (Please contact your original PPP lender if you do not have this information.) If you are applying through The Enterprise Center, enter the # without the dashes.

2. Information regarding your 25% revenue drop in comparable quarters:

For PPP loans of $150,000 and below:

The Applicant only must certify that the Applicant has met the 25% gross receipts reduction at the time of application; however, upon or before seeking loan forgiveness (or upon SBA request) the Applicant must provide documentation that identifies the 2020 quarter meeting this requirement, identifies the reference quarter, states the gross receipts amounts for both quarters, and supports the amounts provided. For loans with a principal amount of $150,000 or less, documentation is not required at the time the borrower submits its application for a loan, but must be submitted on or before the date the borrower applies for loan forgiveness. Such documentation may include relevant tax forms, including annual tax forms, or, if relevant tax forms are not available, quarterly financial statements or bank statements. 

For PPP loans above $150,000:

The Applicant must identify the 2020 quarter meeting this requirement, identify the reference quarter, and state the gross receipts amounts for both quarters, as well as provide supporting documentation. For loans with a principal amount greater than $150,000, the applicant must also submit documentation adequate to establish that the applicant experienced a revenue reduction of 25% or greater in 2020 relative to 2019. (The revenue reduction requirement is addressed in subsection (c)(1)(iv) of this IFR.) Such documentation may include relevant tax forms, including annual tax forms, or, if relevant tax forms are not available, quarterly financial statements or bank statements. 

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