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Business & Commercial > Business Solutions > PPP/CARES Act

Paycheck Protection Program (PPP)

After much deliberation, the Paycheck Protection Program has been revived with an additional $285 billion in funding for 2021 as part of the Consolidated Appropriations Act (CAA21). This latest version of the program includes enhanced terms designed to aid small businesses who need it most, including those who received a PPP loan in the last round. The most notable changes to the Paycheck Protection Program (PPP), include:

  • New PPP loan originations for first-time borrowers
  • Additional PPP loan funding (known as “2nd Draw Loans”) available to businesses who already secured a PPP loan in 2020
  • A streamlined PPP Loan Forgiveness application process for loans of $150,000 and less

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.

Loan Forgiveness Update
We have started sending invitations to begin the Loan Forgiveness Application process . Borrowers who received a PPP Loan with us during 2020 will receive an email with a link to our online Loan Forgiveness Application Portal. Invitation emails are being sent roughly in the same order in which loans were funded in 2020. We are expecting to have all Loan Forgiveness Application emails for initial draw loans funded in 2020 sent by the middle of March, 2021. Please see our Loan Forgiveness page for more information on how to prepare for your Forgiveness Application, and an overview of the process.  

Please note: 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.

PPP Resources

SBA Website

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)

Apply for your 1st PPP Loan

If you are a client who has not yet applied for a PPP loan with Mechanics Bank, learn how to apply.

learn more

2nd Draw PPP Loans

Already have a PPP loan with Mechanics Bank but looking to borrow more?

learn more

PPP Loan Forgiveness

Learn about the PPP Loan Forgiveness application process.

learn more

Need help with PPP?

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Disclosure:

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.

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Routing Number: 121102036
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Deposit and loan products are offered by Mechanics Bank, Member FDIC and Equal Housing Lender. NMLS#442116


Investment management and trust services are offered by Mechanics Bank Wealth Management. Mechanics Bank investment products are:

Not FDIC Insured     |     Not Bank Guaranteed     |     May Lose Value

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