Paycheck Protection Program

SPIRE is Helping Small Businesses by Processing Paycheck Protection Program Loans

SPIRE has processed thousands of applications for the Paycheck Protection Program (PPP Loans). SPIRE is currently not accepting applications for the Paycheck Protection Program (PPP Loans) — please check back later.

You do not need to have a SPIRE Business account to apply. However, as part of the underwriting process, you will be required to open a business account and qualify for SPIRE membership.

At SPIRE, we care and know you may have questions about the next phase of your Paycheck Protection Program (PPP) loan, which includes the application for forgiveness. SPIRE is currently working on the forgiveness process and we will will notify all PPP loan members as soon as SPIRE is ready to process your application for forgiveness. A link will be provided along with guidance on your next steps. 

Required Documentation

If you have employees:

  1. IRS Form 941 Employer's Quarterly Tax Return for period Ending March 31, 2019
  2. IRS Form 941 Employer's Quarterly Tax Return for period Ending June 30, 2019
  3. IRS Form 941 Employer's Quarterly Tax Return for period Ending September 30, 2019
  4. IRS Form 941 Employer's Quarterly Tax Return for period Ending December 31, 2019
  5. Payroll ledgers reflecting each employee’s compensation for the following periods Jan 2019 to Feb 2020 (14 Months Total)
  6. February 2020 bank statement 


If you are self-employed:

  1. 2019 Schedule C
  2. February 2020 bank statement

About the Paycheck Protection Program

In response to the COVID-19 pandemic, the Paycheck Protection Program (PPP) was established by the CARES Act and is implemented by the Small Business Administration with support from the Department of the Treasury. 

This PPP provides small businesses with funds to pay up to 8 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities.

Small businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards.


Calculate Your Loan Amount
PPP Frequently Asked Questions
Additional Information from the Department of Teasury



This is not an offer of a loan, it is an invitation to apply. Applying for the Paycheck Protection Program Loan does not guarantee or promise of funding.

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888.34.SPIRE or 651.215.3500

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