Small Business Administration Relief

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Ameris Bank is accepting PPP loan applications. Please select the appropriate application link below to begin applying for a PPP loan through Ameris Bank.

Note: On Monday, February 22, 2021, President Biden announced that the SBA is opening an exclusive 14-day application window for firms with 19 or less employees. Therefore, starting Wednesday, February 24, 2021, and continuing through Tuesday, March 9, 2021, Ameris Bank will prioritize and only process applications from businesses with fewer than 20 employees. All other borrowers may continue to apply during this time, as processing of all other loan applications will resume on March 10, 2021.  

As a reminder, at Ameris Bank, the PPP application will only be available online. We will accept applications from all prior Ameris PPP borrowers. For new borrowers, applications will only be accepted when coming from within Ameris Bank’s five-state commercial footprint (Alabama, Florida, Georgia, North Carolina and South Carolina).


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Prior borrowers are those who have received a PPP loan from another financial institution in the past. 

Learn more about applying for another PPP loan, eligibility and application requirements.

For prior PPP borrowers, general eligibility includes:

  • Prior PPP loan has been or will be used in full only for authorized uses.

  • Borrower has no more than 300 employees.

  • Borrower can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020.

Second-Draw Tutorial Video: If you are a business that received a previous PPP loan, watch this video to learn how to apply through Ameris Bank for your second PPP loan.


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First-time borrowers are those who have not received a PPP loan from Ameris Bank or any other financial institution in the past. 

Learn more about the PPP program, eligibility and application requirements.

For first-time PPP borrowers, general eligibility includes:

  • Businesses with 500 or fewer employees.

  • Have not previously received a PPP loan.

  • PPP loan to help with payroll, rent, utilities, healthcare costs and more.

First-Draw Tutorial Video: If you are a businesses that is applying for a PPP loan for the first time, watch this video to learn how to apply for a PPP loan through Ameris Bank.


The Small Business Administration released new guidance regarding changes to the PPP loan forgiveness application. While we are implementing these changes, our online PPP forgiveness application is unavailable. We anticipate all changes will be implemented and the new PPP loan forgiveness application will be available within the Ameris Bank PPP online portal by the middle of March.

If you have submitted a PPP loan forgiveness application, Ameris Bank is working to process it with the SBA. You will receive email communicate regarding next steps.

The deferment period for forgiveness has been extended to 10 months beyond the last day of the covered period or until the SBA remits forgiveness payment to the lender, whichever comes first.

Quick Links

Have general questions?
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Learn more about the forgiveness application from the SBA:
Forgiveness Application Details
Forgiveness Guidelines

What Can You Do to Prepare?

Consider taking the following actions to increase your likelihood of PPP loan forgiveness.

  • Keep the PPP funds separate: Consider putting the loan into its own designated account to better keep track of the funds.

  • Keep disciplined records: Create account codes so there’s a paper trail for qualified expenses.

  • Keep supporting documents: Stay organized with your documentation of PPP money usage - especially for payroll, interest, rent and utilities payments.

    • Payroll: Retain payroll registers and proof of ACH transfers. If you outsource to a professional employer organization save your payroll invoice that shows payroll costs and employee benefits.

    • Utilities: Keep invoices and statements for electric, phone, internet, gas and heating providers.

    • Rent and mortgage interest: Keep proof of payments.

Remember, these are just a few of the things your business may want to consider, but they are by no means all the factors you may need to consider when qualifying for PPP loan forgiveness. Ameris Bank can’t offer an opinion on whether the loan of any borrower qualifies for forgiveness.

Forgiveness for PPP borrowers with an Economic Injury Disaster Loan (EIDL) – the SBA originally indicated these funds would be deducted from their PPP loan forgiveness amount. However, the SBA recently changed their ruling and these EIDL advances will no longer be deducted from PPP loan forgiveness. If a customer has made a payment toward their EIDL these funds will be reimbursed by the SBA. At this time we have not received any additional guidance from the SBA as to when this reimbursement will occur.

EIDL Loans can be used for operational expenses to keep your business functioning with rates capped at 3.75% for for-profit businesses and 2.75% for non-profits with loan amounts up to $2 million.

Use loan funds to:

  • Retain workers and maintain payroll

  • Make mortgage payments

  • Lease payments

  • Utility payments

If your small business is struggling to meet its obligations, you might be looking for some debt relief options. This program will provide immediate relief to small businesses with non-disaster SBA loans, in particular 7(a), 504 and microloans. Under it, SBA will cover all loan payments on these SBA loans, including principal, interest and fees for six months. This relief will also be available to new borrowers who take out loans within six months of the president signing the bill into law.

While the legislation has approved these funds, we are awaiting the details. When we have more information as to how quickly the SBA will take over making these payments and the process for this, we will post more information here.

Sign up to receive email updates regarding PPP loans.


At Ameris Bank, we know that small businesses are the heartbeat of local economies. We’re working with the SBA to provide hardship relief loans to businesses. You’re not alone in facing these difficult times.

The Coronavirus Aid, Relief and Economic Security (CARES) Act provides approximately $2.2 trillion of fiscal stimulus. As an SBA-preferred lender, we’re thankful for the opportunity to participate in this program and offer relief to our business customers.

This is not a complete description of all eligibility requirements. Additional program restrictions may apply. All loans are subject to credit approval.