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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.
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. 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 (please check your spam or junk folders for messages from PPPforgiveness@mechanicsbank.com) when the time is appropriate. If you are ready to begin the Loan Forgiveness Application process, but have NOT received an email from us, please contact us by email at CaresAct@mechanicsbank.com.
Loan Forgiveness made easy (for loans of $150K or less)
Earlier in 2021, the SBA released a simplified one-page loan forgiveness application (3508S) for PPP loans of $150,000 and less. This application does NOT require any supporting documentation to be provided with your loan forgiveness application and can be used for 1st or 2nd Draw loans. Certain exceptions apply, and other conditions exist. See application form 3508S and instructions for details.
Start your Loan Forgiveness Application
Ready to start the Loan Forgiveness process? Don’t see an earlier email from us? Notify our PPP team who will research your loan and send you the Loan Forgiveness Portal access. Please include your contact name, business name, phone number and email address.
Our Forgiveness Portal
Even 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 Google Chrome or Microsoft Edge (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
Please include your name, business name, phone number and email address.
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.
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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.