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Please do not fill out and
submit paper versions of the PPP Loan Forgiveness Applications forms
– we are only accepting electronic versions of the application
form completed through our portal.
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
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. See below for more information.
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.
Our Forgiveness PortalEven though you’ll fill out and sign our electronic PPP Loan
Forgiveness Application Form, you still need to download a copy of the SBA’s
form(s) for reference throughout this process. The SBA documents have detailed
instructions and information to assist you through each step of the Forgiveness
Application process, including information on expense eligibility, calculation,
documentation requirements, definitions, etc.
Web Browsers and Settings
Please make sure you are using the latest web browser
versions of either
(you may download either by clicking on the links). The Forgiveness Application Portal will not
work with Internet Explorer (IE), Safari or Firefox
Please adjust your browser settings to allow/permit “Third
Party Cookies” and “Pop-up Windows” during the Forgiveness Application Process.
As our earlier emails confirmed, your loan payments are deferred. Please note the following on payment due dates:
SBA Form 3508S (application and instructions)
SBA Form 3508EZ (application and instructions)
SBA Form 3508 (application and instructions)
Loan Forgiveness FAQs
SBA Website - Loan Forgiveness
U.S. Treasury Website
Below is a summary of the steps you will go through, with additional information you should review for each step. Please see the tools and guides in the box below for additional information, application instructions and answers to common questions.
Contact Customer Care
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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.