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How To Check The Status Of Your SBA Paycheck Protection Program (PPP) Loan Application

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Jason Vissers

Jason Vissers

Jason Vissers is a writer and cereal chef from San Diego. He graduated with a Political Science degree from San Diego State University in 2001. He's been writing about website builders, crowdfunding sites, online lenders, and credit cards for Merchant Maverick since 2015. Additionally, Jason can't eat raisins.
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173 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Alexander Rodriguez

    Hi, I was approved by SBA and I have my loan number , I applied in Womply and my status changed from Lender Funding to SBA processing? What that means ? Thanks .

      Jessica Dinsmore

      Hi Alexander,

      According to Womply, “SBA Processing: This application has been submitted to the SBA for review. The SBA will either approve or decline this application. We cannot provide a time line of how long this step will take.”

      This seems out of order since they define Lender Funding as:

      Lender Funding: This application is in the process of being funded by your lender. If the bank information you provided is valid then you will receive your loan via ACH transfer. Lenders have up to 20 days after the date on which a PPP loan is approved by the SBA to fund your loan. In most cases this funding happens within 2-3 business days after you sign your promissory note. To avoid delays, check your application Status Detail to ensure your bank info is complete. Issues with your bank info will delay funding.”

      You may want to reach out to your lender for clarification.

        Eden Rabalais

        I was approved and signed prom note over ten days ago. Harvest was funding my loan but at this point I still haven’t received my loan or heard anything from anyone . Please email me or write me hear if u can steer me in the right direction! Thank you

          Jessica Dinsmore

          Hi Eden,

          Once you receive an SBA number you are considered approved and the lender has 10 days to distribute the funds in full. Unfortunately, it sounds like that didn’t happen–I’m so sorry. You can go ahead and apply with other lenders, but just be sure to withdraw any outstanding applications once you get approved.

            Debbie Adkins

            I used womply and it has said secondary lender review for 2 weeks. I was behind in taxes for 2019, could this be the reason? They are filed now… This is my second PPP. I am wondering if I should file through another bank and cancel my first app.

              Jessica Dinsmore

              Hi Debbie,

              Womply defines “Lender Secondary Review” as:

              This application is undergoing a secondary review by the lender. This may indicate that a problem was reported by SBA.

              They also state that:

              the most frequent source of delay is due to borrower error. Here are some of the most common problems that could cause your PPP loan to become delayed:

              Basic info problems: Providing incorrect information on your application
              Mismatched or incorrect business info (addresses don’t match, etc.)
              Incorrect tax ID (Social Security Number, EIN)

              Documents:
              Providing incorrect or insufficient documents
              Example: a 1099-MISC does not satisfy the requirement for a IRS Schedule C (Form 1040) for self-employed/independent contractors
              Incomplete documentation provided
              Low quality document
              You must provide a high quality digital scan of all documents. If it can’t be read by software then your application will definitely be rejected and could possibly be delayed
              Not completing all the required steps:
              You have to make sure you get all the way through your application, review it, and sign it
              While borrower errors are the biggest sources of delay, lender delays and SBA delays can sometimes occur.

              Honestly, I think it would be good if you could find out what the SBA considered to be a problem. If the holdup is coming from the SBA, as Womply states, you will probably have the same luck with any other lender. I’d suggest trying to get in touch with the SBA to see if it can be sorted out. Best of luck to you!

                SANDRA M LOPEZ

                I was approved and all documents signed and submitted through Womply And signed the promise note on the 03/20/2021 with loan number and lender name Fountainhead SBF LLC and Nothing happen
                I cannot find any other options to check on the funds or status!

                  Jessica Dinsmore

                  Hi Sandra,

                  I found this on the womply website:

                  If you applied for your PPP loan via Womply, you can check loan application status at https://www.womply.com/ppp-status/.

                    Michael Cason

                    I was approved and given loan # from Fountain Head on 3/30/21 how long will it take to be funded now

                      William Donk

                      I used Smartbiz and submitted all documents. I have passed Smartbiz review, Bank review and signed the documents emailed to me. The portal now states……
                      Step 5
                      FUNDING
                      “Your application is now in the final funding phase with Customers Bank. It can typically take a few business days to receive your funds.”
                      Have I been approved? Its been 5 days and I have heard nothing more.

                        Jessica Dinsmore

                        Hi William! If the SBA has assigned you a loan number, you’ve been approved. Congrats!

                          Dianna

                          Have you received it yet

                            Nadege Bess

                            How do I check the status of my loan

                              Jessica Dinsmore

                              Hi Nadege,

                              We’ve got a few suggestions on how to check the status of your application in this post that we are commenting on. We’ve also included the relevant contact info, so that would be a good place to start! Thanks!

                                Gregg Dimery

                                I submitted my application about a month and half ago and it shows submitted to SBA and nothing up to this point. Has anyone had this issue?

                                  Jessica Dinsmore

                                  Hi Gregg,

                                  Lots of people are stuck wondering and waiting unfortunately. You may want to think about applying with a few different lenders–just be sure you don’t accept multiple loans. If you are approved, be sure to withdraw the other applications immediately.

                                    Bruce W Domineck

                                    i applied through blue accorn on 3/6/21 and received my sba approval number on 3/16. i have not received my loan docs and seemed to be stalled at this stage. should bi reapply with another agency.

                                      Jessica Dinsmore

                                      Hi Bruce,

                                      Once the SBA assigns a loan number, your lender has 10 calendar days to disburse funds. Additionally, you’d have 20 calendar days to submit all required documents. That’s super unfortunate that your lender dropped the ball–I’m so sorry. You can definitely apply with other lenders, just make sure you withdraw all outstanding applications once you are approved.

                                        Lakeisha

                                        Do the lender have 10 days after doc signing or 10 days after SNA approval?

                                          Jessica Dinsmore

                                          Hi Lakeisha,
                                          They have to disburse funds in full within 10 calendar days of SBA approval.

                                            Susan Hardy

                                            I was approved and all documents signed amd submitted through Ready Capital. An emailmtold me I would be funded within 72 hours. It did not happen and Ready Capital will not even respond to me.
                                            I cannot find any other options to check on the funds.

                                              Jessica Dinsmore

                                              Hi Susan,

                                              I’m not sure where you are located, but if any of these locations are near you, you could try to speak with someone in person. If not, you might try calling the different locations until you reach someone who will help you. Others have reported being able to check their status by using this link which I noticed has a chat option, customer support, and another phone number listed at the top. Hopefully one of these options gets you somewhere! Good luck!

                                                Linda DeAnda

                                                I received “Lender Submitting”, as status on FastLane. What does that mean?

                                                  Jessica Dinsmore

                                                  Hi Linda,

                                                  I found this definition on womply.

                                                  Lender Submitting: This application has been signed by the borrower and is being submitted to the SBA for approval.

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