Apply for your SBA PPP loan through Divvy now.

Divvy is here to help guide you through the application and provide you with fast servicing through a technology-forward banking partner, Cross River Bank.

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Status Update: SBA is no longer accepting new PPP applications

As of August 8, 2020, the SBA is no longer accepting new PPP applications. For completed applications our team is available 9:00 am - 5:00 pm, Monday-Friday, for questions via chat or by phone at 385-484-8724. We are monitoring developments around any potential additional round of PPP funds, so check back here for updates.

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What can I use PPP loan funds for?

Small businesses and nonprofits with 500 or fewer employees are eligible to apply for PPP loans. In addition, sole proprietors, 1099 independent contractors, and self-employed individuals can apply through the Divvy portal.

The primary purpose of PPP loans is to help businesses retain their existing staff. Businesses who use the funds to do this may be eligible for a 100% forgiveness incentive.

The funds can be used for expenses such as:

  • Payroll costs, including benefits
  • Interest on mortgage obligations, incurred before February 15, 2020
  • Rent, under lease agreements in force before February 15, 2020
  • Utilities, for which service began before February 15, 2020.

For a complete list, please go here.

How can Divvy help?

Divvy’s partner bank is one of the most technology-forward SBA lenders in the nation. This SBA PPP Loan Program enables you to:

  • Complete your digital application and submit in minutes.
  • Get your loan serviced faster (days, not weeks)
  • Get help preparing required documents & completing your loan application along the way from your trusted Divvy Account Manager

Not a Divvy customer? We’d still love to help assist you in getting your SBA PPP loan.

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What to do today

If you’re not a Divvy customer, we’d still love to help assist you in getting your SBA PPP loan.


Step 1: Gather required information

Payroll records

You will need payroll tax forms (i.e. Forms 940 and/or 941) from January 1, 2019 to the most current filing. Note: You will need to be able to identify any employees paid over $100K.

If you are a 1099 employee, you can still submit an application. Use your Social Security Number instead of an EIN on your application.

Tax returns

Gather your tax returns and financial statements for the last two years. If you haven’t been in business that long, all tax returns you have.

1099-Misc (if applicable)

If you have filed form 1099-Misc and are counting contractor compensation as part of your average payroll, you will need to provide this form.

Copies of driver licenses

You’ll need to provide copies of driver licenses for business owners with ownership stakes of 20% or more.

Voided check

Provide a voided check from the account where the loan will be deposited.

6 months of bank statements

Provide bank statements from your business accounts for the most recent six months of business.

PPP calculator worksheet

Cross River Bank has provided a Paycheck Protection Program calculator worksheet that will help you determine your loan amount. This document is required and can be downloaded here.

Step 2: Start your application

Complete our all-digital application and submit today.


If you have any questions please reach out to your account manager, or visit our SBA PPP Loan FAQ page here.