happy woman standing at doorway of her store holding digital tablet.

Small Business PPP Loan Relief

We're Here to Help

Updates to the SBA Paycheck Protection Program 2/24 - 3/9

Changes to PPP targeted at helping smaller, undeserved businesses


PPP Inquiry Form

PPP Resource Guide and Tutorial


As California’s first Community Development Bank, Community Bank of the Bay has provided affordable financing to businesses and nonprofits for over 20 years. We’re uniquely qualified to help the community during challenging times.

CBB understands that the COVID-19 pandemic has resulted in economic disruptions that may impact the welfare of our entire community. If your business is facing financial challenges, a Paycheck Protection Program (PPP) loan can help.

CBB is actively monitoring the latest developments through our partnership with the Small Business Administration (SBA) and is actively supporting small businesses in the loan process.

There is time to apply for and receive support before PPP loans are set to expire on March 31, 2021. The following changes took effect on Wednesday, 2/28/21:

  • New 14-day PPP loan application period exclusively for businesses and nonprofits with fewer than 20 employees;
  • Sole proprietors, independent contractors, and self-employed individuals can receive more financial support with a revised PPP funding formula;
  • Elimination of an exclusionary restriction on PPP access for small business owners with prior non-fraud felony convictions;
  • Elimination of restrictions on small business owners who have struggled to make student loan payments by removing the student loan debt delinquency disqualification; and
  • Ensuring access for non-citizen small business owners by clarifying that they may use the Individual Taxpayer Identification Number (ITIN) to apply for PPP.

You can best prepare for the coming PPP application process by doing the following:

  • Gather all 2019 payroll tax filing forms such as IRS 940, IRS 941s, CA DE 9s, DE 9Cs, W-3, or 2019 Schedule C.
  • Contact your payroll provider and request PPP average monthly payroll reports for your business or nonprofit. The reports document the average monthly payroll cost calculations you include in your application.
  • Gather 2019 and 2020 Gross Revenue Totals by Quarter if you intend to apply for a second PPP loan.


PPP Loan Inquiry Form

Our PPP Team is working hard to ensure that we help as many of our local business clients as possible. In order for us to best serve you, please fill out the above PPP inquiry form and our PPP team will reach out to you when additional SBA guidance becomes available.

Please keep in mind that information on the PPP program is still being disseminated and we will announce changes to this page as soon as possible.



PPP Resource Guide and Tutorial Video

If you have received a PPP Loan Forgiveness link, please click here for a resource guide and tutorial video.

PPP Resource Guide and Video Tutorial Image