How to Apply for PPP Loan Forgiveness

If you received a Paycheck Protection Program (PPP) Loan with Security National Bank, your next step is to apply for forgiveness. 

What to know before you apply:

We recommend that you consult your accountant or tax advisor* before applying, to help ensure the maximum amount of loan forgiveness.

Before clicking "Apply Now" below, remember to first download the instructions that accompany your form, so you know which documents you need to upload with your application.

Which application should you use?

To apply for loan forgiveness, you must complete and submit the correct loan forgiveness application. There are three types of PPP loan forgiveness applications. Begin by choosing the right one for you (and don't forget to download the instructions): 

PPP Loan Forgiveness Form 3508S

  • Simplest, 1-page application
  • For PPP Loans of $150,000 or less.

Download Instruction Sheet (pdf) »

Apply Now »

PPP Loan Forgiveness Form 3508EZ

This is a longer, 2-page application, but it is still less complicated than the Standard Form. Use this version if your PPP loan is greater than $150,000 and you are:

  • Self-employed, independent contractor or sole proprietor with no employees, OR
  • You did not cut salaries or wages by more than 25% and you did not reduce employee hours; OR
  • You did not cut salaries by more than 25% and you were unable to operate at full-service or capacity as a result of government COVID-19 health directives.

Download Instruction Sheet (pdf) »

Apply Now »

PPP Loan Forgiveness Form - Standard 3508

This is a standard forgiveness application, for anyone who doesn't meet the criteria for the above two forms.

Download Instruction Sheet (pdf) »


Still not sure which application to use?

For more instructions on which application form applies to you, refer to the Small Business Administration's PPP Loan Forgiveness FAQ page.

What happens if you don't apply for forgiveness?

If you do not apply for forgiveness within 10 months after the end of your PPP “Covered Period,” you will be required to begin making payments on your loan at that point. For more questions, refer to the Small Business Administration's PPP Loan Forgiveness FAQ page.



*PLEASE NOTE:  The information on this page is subject to change pursuant to guidance published by the Small Business Administration. We cannot guarantee that the SBA will approve full forgiveness upon your application. Application decisions may also be delayed by factors out of our control — like extraordinarily high volume and slow government response time. Security National Bank is not a tax advisor company. There may be additional guidelines and information, regarding your organization’s tax situation, not included on this webpage. For more information, you should always contact your tax advisor or visit the IRS website.

Page last updated 3/5/2021