Customer Assistance

If you have completed your 8-24 week covered period for your PPP loan, follow these steps to begin the forgiveness application process.

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Step 1

Determine which form to use.

Streamlined Form

If your original PPP loan amount was $150,000 or less, you can use the new simplified forgiveness application form (Form 3508S).

Short Form

If you don't qualify to use the streamlined form as outlined above, you may still qualify to use the SBA's "short form." If you meet any of these 3 criteria, you can use Form 3508EZ:

• EMPLOYEE HOURS
  • Did not reduce salary or wages for any employee by more than 25%, and did not reduce the number or hours of their employees (excepting laid-off employees who refused an offer to return).
  • Did not reduce salary or wages for any employee by more than 25% during the covered period and experienced reductions in business activity as a result of health directives related to COVID-19.

  Long Form

  If you did not meet the criteria for the other two forms, you will need to complete the SBA's original "long form" (Form 3508).

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  Step 2

  Prepare your form.

  Streamlined Form

  Use these materials to prepare your forgiveness application. This is not your final application, so you may leave loan number and signature blank.

  Short Form

  Use these materials to prepare your calculations. This is not your final application, so you may leave loan number and signature blank.

  When you get to Step 3, you will be prompted to enter values from your completed form into the online tool.

  Long Form

  Use these materials to prepare your calculations. This is not your final application, so you may leave loan number and signature blank.

  When you get to Step 3, you will be prompted to enter values from your completed form into the online tool.

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  Step 3

  Enter Form values using our Online Tool

  Have this information ready

  To streamline your online application process, have these items on hand before using the online tool:

  • TAX IDENTIFICATION NUMBER
    • The TIN used on the signed PPP loan application
    • The email address used when signing original loan documents
    • Of original PPP loan signer
    • Annual sales figure from your most recent fiscal year-end
    • You will need to refer to your completed forgiveness application form to complete fields in the online tool.
    • After submitting your form details, you will be able to upload your supporting documentation. These are not required for loan amounts less than $150,000.
    • If submitting the long form (Form 3508), upload an electronic version of your Schedule A worksheet as well

    PPP Loan Forgiveness FAQs

    General Questions

    How does the newest relief bill affect the forgiveness process? Expand

    The new Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act includes provisions to continue the Paycheck Protection Program and other small business relief programs. It also includes some changes to previous forgiveness guidance, including a new streamlined process for all PPP loans under $150,000 and some changes to eligible expenses and calculations.

    What should I be preparing? Expand

    Please see your application form (Form 3508S, Form 3508EZ or Form 3508) and its instructions for a listing of materials to collect for your forgiveness application.

    Which records should I keep? Expand

    In most cases, the SBA recommends a six-year retention period.

    Do I need to complete a loan necessity questionnaire? Expand

    Loan necessity questionnaires are no longer required by the SBA.

    What other resources can I refer to? Expand

    Other details and answers can be found in the SBA's Frequently Asked Questions (FAQs) on PPP Loan Forgiveness.

    Consumer loan assistance

    If you are a Bremer customer impacted by the COVID-19 situation, Bremer is here to work with you.

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    Consumer mortgage loans

    Bremer mortgage customers affected by the COVID-19 situation may qualify for suspended or reduced payments for up to 12 months.

    If you are a mortgage customer in need of this assistance, please contact our Loan Solutions team at 651-734-4147 or 1-800-908-2265, extension 4147.

    In addition, Bremer is suspending all foreclosure actions, with the exception of abandoned or vacant properties.

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    Consumer loans, including home equity loans

    Customers in need of assistance may call their local banker or our Loan Solutions team at 651-734-4147 or 1-800-908-2265, extension 4147.

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    PLEASE READ FIRST

    This application is not supported on the Internet Explorer browser. For best experience, we recommend using the Chrome browser.

    For a new PPP Loans (First Draw or Second Draw):

    Please ensure the authorized representative is defined correctly when first entered, as a revision of this entry may delay submission to the SBA.

    For PPP Forgiveness Applications:

    If you have used this online tool previously, you may notice a change to the information requested. Please have the following information available to sign on to your forgiveness application: 1) Email address - the email address used when signing original loan documents, 2) Tax Identification Number - the TIN used on the signed loan application, and 3) Social Security Number - the SSN of the authorized representative on the PPP loan.

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