A key provision of the CARES Act is the Paycheck Protection Program (PPP), which authorized SBA lenders like FNBO to make loans to small businesses through the SBA.
FNBO is no longer accepting PPP submissions. If you are customer who has secured PPP funds through FNBO, learn more about forgiveness.
FNBO customers directly impacted by COVID-19 can request assistance including:
Contact Us: Please talk with your banker about the challenges you are experiencing today to help us prepare to serve you best during the coming weeks and months. You may also call us at 800-228-4411.
Please note that credit payment deferrals will create a balance at maturity. Additionally, we have temporarily paused foreclosure related-activities for business customers.
For further resources, visit our State and Local Resources section.
We know these are challenging times and we’re here to help you through them. Wherever you are, there are many ways you can make and receive payments, deposit money to your account or get cash for your business. And, even if you’re confident with your current processes, it’s always good to have a backup plan.
FNBO will provide PPP borrowers with a timely, efficient, and complete forgiveness application process through our Customer Portal.
We are sending invitations to our PPP borrowers to apply for forgiveness based on your PPP funding date and in accordance with fair lending practices. If you haven’t received an invitation, you will receive one by email when the portal is open for your application. The email will be sent to the email address you provided in your PPP application, the same address to which we send PPP updates.
We encourage you to regularly visit the Treasury website regarding PPP, especially the “For Borrowers” section and the “Program Rules” section. We also encourage you to see this article on our blog to help you prepare with forgiveness information and links to helpful items. We encourage you to read all elements, and work through the appropriate forgiveness form prior to submitting your application.
As a reminder, we will communicate out to all borrowers via email when the customer portal is open to them and available to submit forgiveness applications.
As a lender, we are relying on our applicants’ independent certifications, and we cannot make determinations for our applicants on matters that they are certifying. If you are unsure about your eligibility for or responsibilities under the PPP, you should seek out advice for your situation from an accountant, attorney, or other professional advisor.
Below are state and local resources with COVID-19 specific information or resources, serving businesses in our footprint.