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We are now accepting PPP Loan Applications from current business clients.
To begin the application process, please click on the appropriate link below. Please be sure to review the eligibility requirements and have all necessary information and supporting documents available.
The deadline to apply has been extended to May 31, 2021, or until PPP funds run out. Applications received by the SBA from Mechanics Bank by May 31, 2021 will continue to be processed until June 30, 2021 (unless program funds have run out). Applications may experience a longer processing time because of additional reviews the SBA is performing on each application. We cannot guarantee that your application will be processed and approved by the SBA before funds are exhausted, or before the June 30, 2021 funding deadline. Please click on the appropriate PPP Loan link below for more information and to begin an application.
Once you have started your loan application, please remember that you can email directly with your PPP Loan Processor by responding to any email from PPPLoans@mechanicsbank.com that includes your unique PPP User ID (the series of letters and numbers separated by a hyphen in the subject line of the email). In order for your email to be received by your loan processor, you must ensure that you do not alter this unique PPP User ID in the Subject Line of the email message you send. Altered PPP User IDs in the subject line of emails may not get to your loan processor.
U.S. Treasury Website
Interim Final Rule of Paycheck Protection Program as Amended by Economic Aid Act (1/6/21)
Interim Final Rule on 2nd Draw Loans (1/6/21)
SBA releases borrower data and loan details (12/1/20)
Please make sure you are using the latest web browser versions of either Google Chrome or Microsoft Edge (you may download either by clicking on the links). The Application Portal will not work with Internet Explorer (IE), Safari or Firefox . Please also adjust your browser settings to allow/permit “Third Party Cookies” and “Pop-up Windows”.
Forgiveness for Loans Made in 2020: Email invitations to begin the Loan Forgiveness Application process have been sent to all borrowers who received a PPP loan with us in 2020. Emails were sent to the email associated with your PPP loan record (please check your spam or junk folders for messages from PPPforgiveness@mechanicsbank.com). If you did not receive an email to begin the Loan Forgiveness Application process, or if you believe the email we have on record is not accurate, or is no longer in service, please email us at CaresAct@mechanicsbank.com with your contact name, business name, address and phone number and we will reach out to update our records.
Even if you have not applied for Loan Forgiveness yet, your loan payments are deferred until 10 months after the end of your applicable Covered Period. Please see our Loan Forgiveness page for more information and a timeline example.
Forgiveness for Loans Made in 2021: You will be eligible to apply for Loan Forgiveness once your Covered Period is complete. Loan proceeds must be spent during the 8- to 24-week “Covered Period” immediately following disbursement of the loan. We will send you an email invitation to begin the Loan Forgiveness process when the time is appropriate.
Please see our Loan Forgiveness Page for more information on the Loan Forgiveness process and how to prepare.
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All loans and credit products subject to program eligibility, collateral, underwriting approval and credit approval.
Financial, Tax and Legal Advice - We recommend that you obtain professional advice from your preferred financial, tax or legal advisor before beginning a PPP Loan Application and/or the Loan Forgiveness Application process. The information we are providing on our website is intended to help you navigate either process, and is based on the Bank’s interpretation of laws, rules, regulations, and guidance provided by the SBA and U.S. Department of Treasury regarding the Paycheck Protection Program at the time this page was authored. While the information provided is intended to be accurate it should not be considered, and is NOT INTENDED TO BE, FINANCIAL OR LEGAL ADVICE. This page and its content may be updated periodically if there are changes to the Program. As we’ve all seen, the Program is rapidly evolving and the Bank cannot be held responsible for any errors or omissions as a result of this. Please consult the SBA and U.S. Treasury websites for the most up-to-date information. In the event of any discrepancies between the information on our website and the SBA or U.S. Treasury sites, please follow official SBA or U.S. Treasury guidance.