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Last updatedDecember 2022

Top PPP Loans Providers 2022

Get the relief you need, fast

Help keep your business afloat with the SBA’s Stimulus Loans. Apply for a PPP loan through these trusted lenders and get the funding you need, today.

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  • 2 or more years
  • 1-2 years
  • 6 months- 1 year
  • Starting a business
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Funding Circle

Funding Circle

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Our Best Overall Choice
Most Popular on BestMoney
$9B+ in funding delivered to small businesses
Easy Online Application
Easy Online Application
  • Find out if you qualify in minutes
  • Supported over 200,000 small businesses
  • Easy-to-understand online resources
  • A+ BBB rating
Our Top SBA Lenders
Most Popular on BestMoney
Loan Amount: $5K-$2M
  • Time in business: No minimum
  • Monthly Revenue: $4K+
  • Minimum Credit Score: 580
Line Size: $2K-$250K
Get approved and earn $250*
Get approved and earn $250*
  • Time in business: 1+ years
  • Monthly Revenue: $3K+
  • Minimum Credit Score: 640
  • SBA Alternative
Loan Amount: $5K-$1M
  • Time in business: 1+ years
  • Monthly Revenue: $8K+
  • Minimum Credit Score: 500
  • Terms and Conditions apply

What is the Paycheck Protection Program?

The Paycheck Protection Program, or PPP, is a small business loan program approved in March 2020 as part of the CARES Act.

Federal PPP loans carry no fees, don’t require a personal or business guarantee, and have a fixed interest rate of 1%. In addition, PPP loans can be forgiven if the money is used for certain business expenditures like payroll, rent, mortgage payments, or personal protective equipment for employees.

Who is Eligible for a PPP Loan?

For first-time PPP loans, small businesses with fewer than 500 employees qualify. For second-time PPP loans, small businesses with fewer than 300 employees and a 25% reduction in revenue from 2019 to 2020 qualify. S corporations, C corporations, LLCs, and nonprofits are eligible, although most publicly traded companies are not. 

Updated Requirements

The Biden-Harris administration recently announced several important changes to how the Paycheck Protection Program works to better serve the smallest of small businesses. The first key change is that small businesses now have priority access to PPP loans. Starting Wednesday, February 24th, only businesses with fewer than 20 employees are eligible to apply for a PPP first- or second-draw PPP loan. This priority period will last two weeks, until March 10th, and then PPP loan applications will open to all eligible businesses.

Additional rules are set to take effect on Monday, March 1st. One change expands eligibility for PPP loans to non-citizen US residents and to small business owners with prior felony convictions or delinquent student loan debt. Another rule change alters the way that PPP loan amounts are calculated for sole proprietors. Loans to these small business owners will be based on gross income rather than net income.

If your business is not eligible for a PPP loan under the new rules, there are alternatives. SBA 7(a) loans can be used for a wide variety of business expenses or expansions. The Main Street Lending Program is also expected to become active soon and could be an option for businesses looking to borrow at least $250,000. Your business can also seek a traditional business loan from an online lender.

How to Apply for PPP Loan

The PPP loan application must be entered through a PPP lender approved by the Small Business Administration (SBA). Kabbage and  Biz2Credit are among the top small business lenders that can help you apply for a PPP loan.

PPP Loan Updates

The PPP program was infused with $284 billion in new loan funds as of December 2020. These funds will expire on March 31, 2021, or whenever the funds are fully loaned out. As of January 19, 2021, all SBA lenders can help you apply for a PPP loan.