Paycheck Protection Program
PPP forgiveness step-by-step
If your loan is under $150,000, follow the SBA Forgiveness steps.
If your loan is over $150,000, follow instructions for the Scratch Forgiveness steps at the bottom of the page.
PPP Forgiveness step-by-step guide |
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1. Go to https://directforgiveness.sba.gov |
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2. Register to start your request Registrants will receive two emails to complete registration and grant access to the portal. Also registrants will be required to setup an SMS two-factor authentication. Note: once you provide and verify your e-mail address, it cannot be changed. |
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3. Follow the steps through "Start a New Forgiveness Request" button For more clarification, use the "Guided Tour" option. |
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4. Your application will be signed electronically via DocuSign |
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5. Submit your application Once you submit your application, you can view progress through the portal. Note: the call center is not able to provide details to timelines of forgiveness. |
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PPP Direct Forgiveness Platform User guide: https://sba-forgiveness-docs.s3-us-gov-west-1.amazonaws.com/SBA-PPP-DF-User-Guide.pdf PPP Direct Forgiveness Hotline: +1 (877) 552-2692
Scratch Forgiveness Steps
For loans over $150,000 |
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1. Go to https://my.scratch.fi |
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2. Enter the email address or phone number used with your application |
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3. Follow the simple steps to complete your application. Based on your loan amount, different levels of supporting documentation may be required. |
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4. Submit the application and the SBA will usually approve the application within 72 hours |
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5. If approved, your outstanding loan balance will be reduced by the SBA approved forgiveness amounts |
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PPP Forgiveness Application and form difference: https://help.scratch.fi/hc/en-us/articles/4416496423827-What-s-the-difference-between-the-different-types-of-PPP-loan-forgiveness-application-forms-