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Paycheck Protection Program

We are happy to announce that our online application portal for Paycheck Protection Program (PPP) funding is now open!

If you haven't already, we recommend having the materials mentioned below on hand before you begin your application. To start the application process, please proceed by using the button below.  View our PPP Application Guide for a walk through of the application process. 

Due to the high volume of requests, the Paycheck Protection Program portal is experiencing slowness.  We appreciate your patience and apologize for any inconvenience.

START APPLICATION

What You Can Do To Prepare

Beginning Tuesday, January 19th, Tompkins will accept PPP loan applications from our business banking customers who maintain a business deposit or loan account (excluding credit cards) with Tompkins which is active as of January 13, 2021, due to government-mandated customer verification requirements.[1]  Applications will be accepted via our online application portal only. To make this process easier, we recommend familiarizing yourself with forms included below, as they contain the same information and questions we will require through our online application portal.

Through our portal, you will be providing the information requested on the following forms:

  • First-Time PPP applicants (has not previously received a PPP loan from Tompkins or another financial institution) – refer to SBA Form 2483
  • Second-Time (Second Draw) applicants (has previously received a PPP loan from Tompkins or another financial institution) – refer to SBA Form 2483-SD

These forms can be found on the SBA.gov website as well.

  • Gather Your Documents
    • For Borrowers Not Self-Employed: Form 941 and state quarterly wage unemployment insurance tax reporting forms from each quarter in 2019 or 2020 (whichever quarter is used to calculate payroll) or equivalent payroll processor records (unless the borrower is self-employed).
    • For Partnerships: IRS Form 1065 K-1s.
    • For Self-Employed Borrowers with Employees: Borrower’s 2019 or 2020 IRS Form 1040 Schedule C, Form 941, and state quarterly wage unemployment insurance tax reporting forms from each quarter of 2019 or 2020, or equivalent payroll processor records. A payroll statement or similar documentation from the pay period that covered February 15, 2020 must be provided to establish the applicant was in operation on February 15, 2020.
    • For Self-Employed Borrowers without Employees: 2019 or 2020 Form 1040 Schedule C, 2019 or 2020 IRS Form 1099-MISC, document to establish borrower is self-employed (e.g., invoice, bank statement, book of record), and 2020 invoice, bank statement, or book of record to establish that borrower was in operation on or around February 15, 2020.
    • For “Second Draw” Loan Requests > $150,000: Profit and Loss Statements (P&Ls) or Bank Statements showing 25% decline in any quarter (or annual) 2019 vs comparable quarter (or annual) 2020. (Note: For Second Draw Loans $150,000 or less, this documentation will be required at the time of your forgiveness application.) 

In a previous communication we included links to summaries for both first draw loans, as well as second draw loans. Complete details can also be found here.

We encourage you to work with your professional advisor to understand your particular situation. Tompkins is truly proud to have assisted thousands of customers with their PPP applications in 2020, and our teams are preparing to do all that we can to continue to support our local communities. We will continue to update you as we know more and we look forward to serving you, as always. 

What to Expect on the Tompkins Portal

You will be asked to create a login/password on your first visit to the Portal.  Our Portal will then walk you through the data inputs needed to generate your complete application submission.  You will be asked eligibility-related questions, and you will have an opportunity to review and make the required certifications of eligibility.  You will also have an opportunity to upload your required documentation, and to review and confirm your agreement with Tompkins’ terms and conditions.  For loan requests over $1 million, Tompkins may require an additional review, documentation, or certifications, and thus these applications may require additional processing time before they are deemed complete applications.  At the conclusion of the portal process, you will be presented with a completed version of your application for review and electronic signature. 

Additional Information

Completed applications, together with all supporting materials required by Tompkins, will be accepted and processed in order of verified completion, for eligible Tompkins customers at this time. To facilitate fairness of the process, the Portal applications queue will be used to confirm time and order of submission. Therefore, the Portal is the only available method to submit your application.  If you are having difficulty accessing/submitting your application via the Portal, please immediately notify your primary Tompkins contact to discuss your options.  Please note that Tompkins’ participation in the SBA’s Paycheck Protection Program remains subject to change at any time at our discretion, without prior notice. If Tompkins determines that there has been an overwhelming response to the Program which exceeds Tompkins’ ability to process applications in a timely manner, Tompkins reserves the right to suspend acceptance of applications at any time, without prior notice. To close an approved loan, you will be required to sign closing documents (including Promissory Note, Borrower Certification & Disbursement, Authorization, Borrowing Resolutions, and Settlement Statement), copies of which are available for review upon request.

All loans are subject to SBA and bank approval. The terms and conditions of Tompkins’ participation in the Paycheck Protection Program are subject to change at any time at our discretion, without prior notice. Tompkins is not responsible if the finite amount of SBA funds are depleted prior to Tompkins’ submission of Applicant's application. Tompkins assumes no duty to timely notify applicants if they submit an incomplete application, nor to notify applicants if they have not followed the Tompkins PPP Loan Procedures.  For all these reasons, eligible applicants are encouraged to submit your completed application, with all supporting documentation, at your earliest opportunity.


[1]We are also presently designing a process intended to allow non-customers to apply (e.g., applicants who have not elected to open a business deposit or loan account with Tompkins prior to the above date).  This procedure is not yet finalized, and will require additional processing time if/when it commences, in order ensure compliance with federally mandated Customer Identification/Know Your Customer (“CIP/KYC”) Protocols. Due to the finite amount of PPP funds, and the time it will take to comply with the CIP/KYC documentation requirements for new customers, we strongly urge businesses who aren’t Tompkins bank customers as described above to contact their primary financial institution immediately to inquire about their PPP participation. Please check our website for updates about this program.



We are accepting applications for forgiveness on your Paycheck Protection Program (“PPP”) loan.



To begin your application, you will need to provide your:

  • Employer Identification Number (“EIN”)
  • SBA Loan Number  (You can find your SBA loan number on your PPP Loan Documents.)
  • Email address

If you are unsure of or unable to supply any of the information noted above, please call 1-888-300-0110.



On August 10, 2020  we hosted an informational webinar to review the Paycheck Protection Program (“PPP”) Forgiveness process.  The webinar covered important components of the application process and the rules for determining forgiveness.  

Access the recording of the PPP Forgiveness informational webinar

VIEW SLIDES

WEBINAR PPP LOAN FORGIVENESS FAQs