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Paycheck Protection Program


On Wednesday, January 13, 2021 the Small Business Administration (SBA) announced that community banks such as Valley Republic Bank (VRB) will be allowed to submit applications for the recently re-opened Paycheck Protection Program (PPP) beginning Friday, January 15, 2021.


Sign In to Complete Application:

  • New PPP Borrowers: New Borrowers will “Sign Up” by creating a username and password to access the application.
  • Existing PPP Borrowers: Existing Borrowers will use the same username and password created when applying for the first PPP loan.  Please note:
    • This sign in information is different than the sign in information used for the first PPP loan Forgiveness Application.
    • If you do not remember the username/password, please use the “Forgot Password” link to receive an email with username/password reset instructions.


Create New Application:

After signing in, you will need to start a new “SBA Loan” application and select one of the following options:

  • Existing VRB PPP Borrowers applying for a Second Draw PPP Loan: Please use “Second draw, based on {name of Borrower} loan”.
  • New PPP Borrowers to VRB that will be applying for a Second Draw PPP loan, but obtained their first PPP loan with another lender: Please use “Start a blank second draw PPP loan application”.
  • New PPP Borrowers to VRB that will be applying for their First Draw PPP loan: Please use “Start a blank first draw PPP loan application”.
                       Please note that relevant information and instructions have been added at the top of each screen for additional guidance.



As a reminder, the following serves to summarize the general qualifications for a PPP loan:

  • First Draw PPP Borrowers/Loans:
    • Business was in operation on February 15, 2020.
    • 500 or fewer employees.
  • Second Draw PPP Borrowers/Loans:
    • 300 or fewer employees.
    • Used or will use the full amount of their first PPP loan on eligible expenses on or before the expected date for the second PPP loan to be disbursed to the borrower.
    • Experienced a revenue reduction of 25% or more in all or part of 2020 compared with all or part of 2019. This is calculated by comparing gross receipts in any 2020 quarter with an applicable quarter in 2019, or a borrower that was in operation for all four quarters of 2019 can submit copies of annual tax forms that show a reduction in annual receipts of 25% or greater in 2020 compared with 2019. Please note that any forgiveness amount of a first PPP Loan that a borrower received in calendar year 2020 is excluded from the borrower’s gross receipts.



We remain committed to the communities we serve and to the financial health of your business. Thank you for your ongoing partnership.