Small Business Administration Relief

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Because your community counts on you.


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.


Paycheck Protection Program (PPP)

Updated August 7, 2020, 4:00 P.M. ET

PPP Loan Forgiveness

The SBA tentatively announced that it will begin accepting forgiveness applications on August 10, 2020, but this date is subject to change. As we await further guidance and instructions from the SBA, we are taking this time to test our on line portal to ensure a smooth customer experience. 

When we begin accepting applications, the primary contact on your loan will receive an email with instructions to setup your portal login information. 

In the meantime, please continue to visit this site for updates and additional steps you can take to get ready. 

Thank you for your patience as we prepare for this phase of the PPP process. 

Learn more about the forgiveness application from the SBA:

Quick Links

Have general questions?
Click Here

What Can You Do to Prepare?

While specific guidance has not been given by the SBA or Treasury, you will likely have to provide proof of qualifying expenses, so make sure to keep very good payroll and expense records. Some businesses may want to consider working with a tax professional for help with recordkeeping.

The following actions may increase your likelihood of forgiveness after the eight-week period:

  • 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.


Economic Injury Disaster Loans (EIDL)

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.

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