Apply for federal relief through the Paycheck Protection Program*

Through the SBA's Paycheck Protection Program, small businesses can apply for loans for payroll and other eligible expenses.

Make sure you have this required documentation ready

Here's how it works

  1. Loans are available for up to 2.5 times of your average monthly payroll during the year preceding the application. Note, Kabbage can only process loans of up to $2 million.

  2. If all employees are kept on payroll, SBA will forgive the portion of the loans used for payroll, rent, mortgage interest or utilities – for up to 8 weeks after the loan is issued and up to 100% of the loan.

  3. Any amount that is not forgiven will be treated as a two-year loan with a 1% fixed interest rate.

  4. All payments (principal, interest and fees) are deferred for 6 months; however, interest will continue to accrue over this period.

What to prepare before you apply

Make sure you have the documents required for your business type.

*Examples of Organizational Documents include: Articles of Incorporation, Certificate of Existence, Certificate of Organization, State LLC Agreement, Certificate of Formation or Articles of Information

**If you have not completed 1040 Schedule C for 2019, fill it out and compute the value for line 31. We cannot accept this form for previous years. If line 31 on the 1040 Schedule C is less than $2,400, your business is not eligible for a PPP loan.

How to apply for PPP loans

  1. Submit your information

    Through our platform, we can quickly and securely review information about you, additional owners and your business, including payroll filings and certifications necessary for eligibility.

  2. We'll calculate how much you could be eligible for

    Based on the information you submit, we’ll let you know if your business is eligible and the maximum amount you can access. Note, Kabbage can only process loans of up to $2 million.

  3. Take a loan when you’re approved

    Securely connect your bank account, and we’ll deposit your loan amount when you’re ready.

Apply now

Have questions?

Review our FAQs or contact us at 888-351-3143 or if you don’t see the information you need.

View FAQs

Be aware of potential scams

We want to make sure you and your business are protected and get the critical funding you need during this crisis. Review our FAQs for signs of potential SBA fraud, which you can report online or through the Office of Inspector General’s hotline at 800-767-0385.


  1. *At this time, Kabbage is offering Paycheck Protection Program ("Program") loans directly as an approved U.S. Small Business Administration ("SBA") lender and indirectly on behalf of one or more approved lenders. Loan agreements will identify the lender to small businesses at signing, and any loan made under the Program must also be submitted to and approved by the SBA. Program funds are limited. Kabbage does not guarantee that applications will be processed and submitted before Program funding is no longer available. There is no cost to you to apply for a Program loan. There is no limit to the number of lenders you can apply with, but you can only receive one PPP loan.

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