Paycheck Protection Program

What is your average monthly payroll expense?


Paycheck Protection Program


Are you a current Celtic Bank Customer with an active loan?

Are you a prior Celtic Bank Customer?

What is your EIN / TIN?

If sole proprietorship, use SSN in format: xx-xxxxxxx

A verification code has been sent to the following:

    Please double check your junk or spam folder if you did not receive the email
    Didn't receive it?

    Connect Your Bank Account

    Please connect your bank account so we know where to disburse the money


    Bank Statements

    Secured by Plaid

    Your preferred information

    ACH Account:

    ACH Routing:

    Why do you need to connect to my bank account?

    Connecting directly to your bank account cuts down on paperwork and allows us to more quickly assess your business, so we get you a decision as quick as possible.

    Is Plaid secure?

    Yes. Plaid uses specially designed and tested encrypted tunnels to transfer your information safely and swiftly. Questions? Contact


    Paycheck Protection Program


    Please mark one that describes your business

    What is the purpose of the loan? (select all that apply)

    Have you previously received an SBA loan for your business?

    Please select your industry?

    What product or service does your business provide? Please describe.

    Have you recently requested a deferral on your loan?

    Do you employ workers on a seasonal basis?

    Do you employ less than 500 employees?

    When did you start your business?


    Paycheck Protection Eligibility


    Is the Applicant or any owner of the Applicant presently suspended, debarred, proposed for debarment, declared ineligible, voluntarily excluded from participation in the transaction by any Federal department or agency, or presently involved in any bankruptcy?

    Has the Applicant, any owner of the Applicant, or any business owned or controlled by any of them, ever obtained a direct or guaranteed loan from SBA or any other Federal agency that is currently delinquent or has defaulted in the last 7 years and caused a loss to the government?

    Is the Applicant or any owner of the Applicant an owner of any other business, or have common management with, any other business?

    Please list all such businesses and describe the relationship on a separate sheet identified as addendum A. (Template)

    Has the Applicant received an SBA Economic Injury Disaster Loan between January 21, 2020 and April 3, 2020?

    How did you use those proceeds?

    What was the loan amount?

    Is the Applicant (if an individual) or any individual owning 20% or more of the equity of the Applicant subject to an indictment, criminal information, arraignment, or other means by which formal criminal charges are brought in any jurisdiction, or presently incarcerated, or on probation or parole?

    Within the last 5 years, for any felony, has the Applicant (if an individual) or any owner of the Applicant 1) been convicted; 2) pleaded quilty; 3) pleaded nolo contendere; 4) been placed on pretrial diversion; or 5) been placed on any form of parole or probation (including probation before judgement)?

    Is the United States the principal place of residence for all employees of the Applicant included in the Applicant's payroll cost?

    Is the Applicant a franchise that is listed in the SBA's Franchise Directory? (Check here)


    Payroll Information


    The Coronavirus Aid, Relief, and Economic Security Act ("CARES Act") allows lenders to offer applicants a loan of not more than 2.5 times your monthly payroll expenses. Based on the payroll information you provide below, we will calculate the maximum loan amount you are eligible for under this law.

    If you do not have this form immediately available, you should reach out to your payroll provider.

    Current Number of Employees?

    How many jobs will be created with this funding?

    How many jobs will be retained with this funding?

    Please list the number of employees included in this cost who are compensated above $100,000 per year:

    Did you start your business after January 1, 2019?

    Do you make health insurance contributions for employees?

    Does your company use a payroll service provider?

    Name of Service Provider

    Please provide the following payroll forms:

      Missing any of the required documetns above may delay the processing of your loan, so please upload the requested forms.

      Maximum 12MB. Have all files zipped into a single file for easy upload

      Loan Estimate Calculation*

      Average monthly payroll x 2.5 (statutory multiple)

      $0 x 2.5

      = $0 Eligible loan amount under the CARES Act

      Maximum amount offered by Celtic Bank

      = $0 Eligible loan amount with Celtic Bank

      *This estimate is based on the information you have provided above. It may or may not change based on our review of your required documents. These documents must be either your IRS Payroll Forms or a Payroll Report from one of the following payroll providers: ADP, Paychex, Gusto, Delux, or Zenefits.

      You are eligible for a higher loan amount under the CARES Act. But Celtic Bank at this time is offering a maximum loan amount of $2,000,000 under the Paycheck Protection Program. You may choose to accept this offer and proceed, but this would preclude you from another loan with another institution under the Paycheck Protection Program.


      Your Payroll Protection Loan


      Based on the payroll information you have provided, this is the maximum loan amount your are eligible for.

      Note: Some or all of this amount may be forgiven based on verification of payroll and other expenses you incur during an 8-week period following this loan. Also note that your forgiveness amount may be reduced if your payroll expense during that period drops by more than 25%.

      To learn more loan eligibility and forgiveness under the Paycheck Protection Program, see our Frequently Asked Questions.

      Business Loan Offer

      SBA 7(a) Loan


      Loan Amount


      Interest Rate

      2 years


      No prepayment penalty


      Confirm Your Contact Information


      By continuing I agree to Celtic Bank's Terms & Conditions and Privacy Policy.