CARES Act Relief Support with UMB

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UMB PPP Forgiveness Application Platform

We are launching the platform in a phased approach based on loan size. We have strong indications that there may be legislation in the next few weeks to significantly ease the borrower's forgiveness application process and potentially grant automatic forgiveness for some smaller loans altogether. In order to protect UMB borrowers from a potentially overly complex, arduous, and continually evolving process, we are actively monitoring the SBA and the legislative process for even greater streamlining and easing of the forgiveness process for smaller loans.

UMB will send each PPP Borrower a link to access the platform and start their application. Each borrower will receive their link over the next several weeks as appropriate during our phased launch.

What to Expect –

  • Application Form – the system will walk each Borrower through the forgiveness application process and direct you through the appropriate application form based on SBA guidance and your eligibility.
  • Completion – your application is complete when you have submitted the application and all required supporting documents. The system will display your application status and send you automated notifications. A banker will contact you if your application is incomplete.

Log-In Credentials – to start your application, Borrowers will need the following information:

  • Business Email Address – the email address that was provided by the signer of the loan documentation
  • Borrower Tax Identification Number (TIN) – used for the loan application
  • PPP Loan Amount – Exact amount required

PPP Webinars & FAQs

PPP Forgiveness Webinar – UMB Bank Insights with Bryan Cave Leighton Paiser

PPP Loan Webinar – UMB Bank Insights with Bryan Cave Leighton Paiser

We are pleased to announce the launch of the UMB PPP Forgiveness Application Platform, which streamlines the forgiveness process into an easy-to-use borrower experience.

The platform will walk you through the application process. You will load all required documentation into the system. The platform will send automatic emails notifying you of requirements, next steps, and reminders. To enable faster review, please ensure your data can be validated within your uploaded documentation. You will also be able to monitor the status of your application in the platform.


Government Agencies


Still need help? Please reach out to your officer, or if you do not have an officer, please email

We cannot accept paper or PDF forgiveness applications.

SBA Forgiveness Application Processing Guidance

Once you have completed the application in the system, UMB is committed to processing all applications received within the allowed 60-day period. Once submitted, the SBA then has 90 days to fund the forgiveness amount back to UMB.

  • Borrower completes forgiveness application
  • Within 60-days after Borrower completes application - UMB will process and submit a recommendation within 60 days of receipt of the application. We will notify you of our recommendation to the SBA.
  • Within 90-days after UMB submits recommendation - The SBA has 90 days to process your application and determine your forgiveness eligibility. The SBA has the right to review any loan at any time. We will notify you within 5 days if the SBA reviews your loan and requests additional information. Otherwise, we will notify you when we receive the SBA's final determination of forgiveness.

CARES Act Information

As the COVID-19 (coronavirus) situation evolves, we are here to support our customers and help you financially weather this storm through available programs and relief.

The Coronavirus Aid, Relief and Economic Security (CARES) Act includes U.S. Small Business Administration (SBA) guaranteed loan products to help support companies affected by the COVID-19 virus. The bill also provides benefits to individuals, including direct payments to taxpayers, mortgage assistance, retirement savings access changes and more.

Overview of Business Programs

Please view the SBA website for complete program details and qualifications.

SBA Paycheck Protection Program:
This program aids companies in retaining their workforce and keeping them on the payroll, as well as managing certain other expenses. Eligible businesses are those with 500 or fewer employees and include non-profits, veterans organizations, tribal concerns, sole proprietorships, self-employed individuals, and independent contractors.

SBA Economic Injury Disaster Loans and Loan Advance:
This program is fully managed and processed through the SBA. If you are interested in this program, please connect directly with the SBA.

SBA Express Bridge Loan:
Express Bridge Loan Pilot Program allows small businesses who currently have a business relationship with an SBA Express Lender (like UMB) to access up to $25,000 with less paperwork. This bridge loan can provide working capital to businesses as they wait for decision and disbursement of the disaster loan funds.

SBA Standard 7(a) Loan Program:
The standard SBA 7(a) Loan Program is still in effect with $18 billion remaining in 2020 budget. A provision in the CARES Act authorizes some relief on existing or new obligations.

Information on the CARES Act Personal Programs

View our blog for more information about these programs or view the CARES Act website.

UMB is here for you

During these difficult times, UMB is here for you. We have been serving clients for more than 107 years and have seen many crises, from the flu epidemic of 1918 to the financial crisis of 2008. And we've helped our customers manage through them all by staying true to our legacy, business strategies and leadership principles. All of this still applies today and to this crisis—we will do what we always have. We'll do what's right and help our clients weather this storm.