SBA Forgivable “First Draw” Loan made through local banks to help businesses keep workforce employed during COVID.

Additional "Second Draw" PPP Forgivable Loans are available in 2021 for businesses with 300 or less employees with 25% loss of Revenue in a 3 month period in 2020 versus that same 3 month period in 2019.

Loan Amount:  2.5 times average monthly payroll (3.5 times average monthly payroll for Restaurant and Hospitality Businesses in the 72 NAICS code for “Food Services and Accommodation”).  Forgivable amounts must have at least 60% of expenses for Payroll.  2021 PPP does not deduct out EIDL Advance $’s received from the Forgivable amount like the 2020 PPP program version did.

PPP 2021 Borrower Application: Click here 

PPP 2021 SBA Presentation & FAQ: Click here (First video under "COVID: Special Grants, Loans & Topics")

(up to $28k Credit per Employee in 2021 & Combinable with PPP; thru 2021)


Now Combinable with PPP.  You can claim up to 70% of total compensation expense per employee up to $7k per employee per Qtr. 2021, if you can show a 20% reduction in Revenue for a Quarter.  Work with your CPA as you can't double count the same paycheck expense that you claim for the PPP Loan, but with some planning you can get incremental benefit vs just PPP alone.

  • Good CPA Overview article here & IRS Program Overview here

(Up to $27k in Free Loan Payments for new SBA Loans thru Sept 30, 2021)


First 3 months of Loan Payments FREE on NEW SBA Loans approved between Feb 1, 2021 and Sept 30, 2021 (includes SBA 7(a), 504, or Microloan) up to $9k per month.  Note: On Feb 16, 2021 the SBA announced it was only going to have funds to provide 3 months vs 6 months previously announced. 

Existing SBA Debt Relief Program loans also get additional months of FREE Payments.​

Here is a Helpful  Flowchart showing the Program.


($10k Advance Grant is no longer available/30yr Fixed Loan is available thru Dec 2021)

Loan Program via the SBA directly (not through a Bank) with a 30-year fixed-term.  For a step by step walkthrough with screenshots of how to apply for the EIDL Loan, click on the "COVID" category in the Kansas SBDC Video Library, and then select the "4/2/20 Disaster Loan Training" video. 
Apply for EIDL


(up to $25k)

Loan Program via your SBA eligible Bank primarily for working capital while you await long-term financing (pairs well with EIDL, etc).


Cannot be combined with 2021 PPP.  For Movie Theaters & Other Venues with Ticket Office. Shuttered Venue Operators Grant Info Site



EXISTING LOANS:  Talk to your lender about loan modifications available due to the Coronavirus. Many banks are making no-cost modifications available if you ask (Ex: Interest-only payments for a few months, months of payments pushed off to the end of the loan, etc.). Your Lender does not want to see you go out of business, contact them now!

​LOCAL SUPPORT: Check with your local town/county for additional programs they may offer.

NAACP Black Entrepreneur Grants (various $10k+ Grants for Black Owned Businesses)

(Pandemic Unemployment $'s)


2021 Extension Provides up to $300 per week thru September 6th, 2021 to the traditionally non-eligible self-employed (Sole Proprietors/ Independent Contractors, Gig Workers, etc). Kansans may file for Pandemic Unemployment Assistance (PUA (apply here). More Info about the program can be found here.

(Sick Leave/Child Care Leave)

  • Reimbursements for voluntary FMLA Paid Sick Leave/Child Care Leave thru September 30, 2021 (this is an extension of the 2020 version that reimbursed for MANDATORY Paid FMLA due to COVID)

    • ​2021 Tax Credits for Employee PAID LEAVE due to COVID

    • VIDEO WEBINAR: For a very helpful video walking you through the 2020 FMLA and Sick leave rules & other FFCRA requirements, please visit our Kansas SBDC Video Training Library and click on the "COVID" category and then select the "10/28/20 Employer Guide to COVID Employment Law" video.

"Funded in part through a Cooperative Agreement with the U.S. Small Business Administration."


at Pittsburg State University

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