Paycheck Protection Program

PPP forgiveness step-by-step

If your loan is under $150,000, follow the SBA Forgiveness steps.

If your loan is over $150,000, follow instructions for the Scratch Forgiveness steps at the bottom of the page.


PPP Forgiveness step-by-step guide


1. Go to https://directforgiveness.sba.gov

PPP-SBADirectForgiveness Image001

2. Register to start your request

Registrants will receive two emails to complete registration and grant access to the portal. Also registrants will be required to setup an SMS two-factor authentication.

Note: once you provide and verify your e-mail address, it cannot be changed.

PPP-SBADirectForgiveness Image002

3. Follow the steps through "Start a New Forgiveness Request" button

For more clarification, use the "Guided Tour" option.

PPP-SBADirectForgiveness Image003

4. Your application will be signed electronically via DocuSign

PPP-SBADirectForgiveness Image004

5. Submit your application

Once you submit your application, you can view progress through the portal.

Note: the call center is not able to provide details to timelines of forgiveness.

PPP-SBADirectForgiveness Image005

PPP Direct Forgiveness Platform User guide: https://sba-forgiveness-docs.s3-us-gov-west-1.amazonaws.com/SBA-PPP-DF-User-Guide.pdf

PPP Direct Forgiveness Hotline: +1 (877) 552-2692


Scratch Forgiveness Steps

For loans over $150,000


1. Go to https://my.scratch.fi

PPP-BlueVineCrossRiverScratchForgiveness Image001

2. Enter the email address or phone number used with your application

PPP-BlueVineCrossRiverScratchForgiveness Image002

3. Follow the simple steps to complete your application.

Based on your loan amount, different levels of supporting documentation may be required.

PPP-BlueVineCrossRiverScratchForgiveness Image003

4. Submit the application and the SBA will usually approve the application within 72 hours

PPP-BlueVineCrossRiverScratchForgiveness Image004

5. If approved, your outstanding loan balance will be reduced by the SBA approved forgiveness amounts

PPP-BlueVineCrossRiverScratchForgiveness Image005

PPP Forgiveness Application and form difference: https://help.scratch.fi/hc/en-us/articles/4416496423827-What-s-the-difference-between-the-different-types-of-PPP-loan-forgiveness-application-forms-

Questions: https://help.scratch.fi/hc/en-us/requests/new