SBA’s Paycheck Protection Program for Small Businesses Launches

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Utah District Office - April 3, 2020

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SBA’s Paycheck Protection Program for Small Businesses Affected by the Coronavirus Pandemic Launches

One of Multiple Economic Relief Provisions to Protect Workers and Small Businesses

The U.S. Small Business Administration Administrator Jovita Carranza today launched the Paycheck Protection Program, a $349 billion emergency loan program created last week with the President’s signing of the Coronavirus Aid, Relief, and Economic Security Act (CARES). The program provides forgivable loans up to $10 million to small businesses left financially distressed by the Coronavirus (COVID-19) pandemic. The loans, which will be administered at the local level by a national network of banks and credit unions, are designed to maintain the viability of millions of small businesses struggling to meet payroll and day-to-day operating expenses.

“Across Utah, business owners, employees, and their families are doing their part to slow the spread of COVID-19 to “flatten the curve”. This unprecedented time has understandably, created uncertainty for many business owners and workers,” said Marla Trollan, SBA Utah District Director.

“That’s why the SBA Utah District Office is working to make it as easy as possible for small businesses to apply for funding and get the information they need to make sound decisions. The Paycheck Protection Program is an opportunity for Utah small business owners to access the much-needed financial support for their small businesses and their workers, in order to help them get through this tough time,” Trollan said. 

The loans, which are 100% backed by SBA, are being provided to small businesses without collateral requirements, personal guarantees, SBA fees, or credit elsewhere tests. Those eligible for the program include small businesses, certain non-profits, veterans’ organizations, self-employed individuals, independent contractors, and other businesses meeting size standards based on their North American Industry Classification System code.

The Paycheck Protection Program’s maximum loan amount is $10 million with a fixed 1% interest rate and maturity of two years. The loans are available to cover up to eight weeks of average monthly payroll (based on 2019 figures) plus 25% and payments are deferred for six months (interest does accrue). The SBA will forgive the portion of loan proceeds used for payroll costs and other designated operating expenses for up to eight weeks, provided at least 75% of loan proceeds are used for payroll costs. Eligible expenses for the eight-week forgiveness include:

  • Payroll costs (excluding the prorated portion of any compensation above $100,000 per year for any person. Payroll costs include salary, commissions, tips; certain employee benefits including sick leave and health care premiums, and state and local taxes;
  • Mortgage interest (not prepayment or principal payments) and rent payments on mortgages and leases in existence after February 15, 2020;
  • Utilities such as electricity, gas, water, transportation, phone and internet access for services that began before February 15, 2020; and
  • Additional wages paid to tipped employees.

Visit for additional resources about protecting your business, employees and customers.



Beware of Fraudulent Service Offers

Borrowers beware, there are fraudsters out there!

In response to the economic damage occurring as a result of the Coronavirus pandemic, the US Small Business Administration has activated a several programs to assist small businesses in weathering the storm – the Economic Injury Disaster Loan (EIDL) program and the Paycheck Protection Program (PPP)

It has come to the agency’s attention that there are individuals and organizations that are purporting to provide services to small businesses applying for these loan programs. There is often a charge associated with these services. The individuals and organizations offering their services often make representations that they are endorsed by, or have agreements with SBA. They may even ask for your personal financial information, credit card information, or other sensitive information.

Please use caution and perform your due diligence when considering these private services. Some may be legitimate, some may not. Beware of any representation from these service providers that they have been endorsed by SBA, or have an agreement with SBA to provide these services. In some cases, the fees/charges they want to assess may not be allowed under these loan programs. 

If you have any questions about any of these organizations or the things they are representing, please contact the SBA Utah District Office at or 801-524-3209.

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New Rapid Response Team (RRT) to Help Utahns Apply for CARES Act Assistance

The SBA Utah District Office has partnered with the Governor’s Office through the Governor's Economic Recovery Task Force to establish a Rapid Response Team (RRT).

The new Rapid Response Team was formed to more quickly respond to the high volume of inquiries regarding SBA Economic Injury Disaster Loan (EIDL) and the Paycheck Protection Plan (PPP) Loans. RRT members will help SBA respond to general inquiries regarding the EIDL and PPP programs, helping to ensure that Utah small business owners understand and utilize federal programs designed to help them during the Coronavirus pandemic.

3 ways to submit questions to the SBA Rapid Response Team:

Email SBA Utah

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EIDL and EIDL Advance Loan Programs


SBA's IT team has been hard at work to improve and streamline the process of applying for the agency's Economic Injury Disaster Loan (EIDL) program.

Access the new EIDL website here:


We know you are facing challenging times in this current health crisis. The U.S. Small Business Administration is committed to help bring relief to small businesses and nonprofit organizations suffering because of the Coronavirus (COVID-19) pandemic.

On March 27, 2020, President Trump signed into law the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which provides additional assistance for small business owners and non-profits. 

Included in the CARES Act is the opportunity for small business owners in all U.S. states, Washington D.C., and territories to apply for an Economic Injury Disaster Loan advance of up to $10,000.

The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. This Advance may be available even if your EIDL application was declined or is still pending.

Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.

If you wish to apply for the Advance on your EIDL, please visit or to complete a new, streamlined application.

In order to qualify for EIDL Advance, you must submit this new application even if you previously submitted a previous version of the EIDL application. Applying for the Advance will not impact the status or slow your existing EIDL application, you will not lose your place in line.


COVID-19 Business Resources


- Apply online
- Get additional disaster assistance information
- Download application forms

SBA EIDL Customer Service Center
Phone: (800) 659-2955

(800) 877-8339.

Completed applications should be mailed to:
U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX  76155.



How to submit questions to the SBA Rapid Response Team:

SBA Utah District Office Staff Contact Information:

Marla Trollan, District Director
(o) 801-524-3200
(c) 385-218-1995

Chris Stever, Deputy District Director
(o) 801-524-3215
(c) 385-266-1495

John Gygi, District Counsel
(o) 801-524-3205
(c) 801-889-6170

Ian Lorenzana, Public Information Officer
(o) 801-524-3218
(c) 385-388-3276

Siobhan Carlile, Public Affairs Specialist
(o) 801-524-3217
(c) 706-267-1145

Don MacMillan, Lender Relations Specialist
(o) 801-524-3226

Karl Wernick, Lender Relations Specialist
(o) 801-524-3210
(c) 385-355-5815

Melinda Workman, Economic Development Specialist
(o) 801-524-3213
(c) 385-266-1853

Rachel Bennett, Economic Development Specialist
(o) 801-524-3204
(c) 385-355-5677

Cody Neville, Business Opportunity Specialist
(o) 801-524-3206
(c) 801-828-0796

Cheryl Richens, Administrative Officer
(o) 801-524-3219

Sharlene Miller, Paralegal