Apply now for your Paycheck Protection Program loan

The application process for the newly reauthorized Paycheck Protection Program is now open for eligible first- and second-time borrowers. As an SBA preferred lender and one of the nation’s leading providers of SBA loans, Zions Bank is committed to making the application process simple, easy and fast.

We invite you to complete our simple 10- to 15-minute online application. And, through our new streamlined single-sign loan process, your loan application also becomes your final loan documentation (subject to loan approval evidenced by a confirmation letter from Zions Bank.)

PLEASE NOTE: You will be required to have a current transactional (e.g., checking) account with us bearing the same legal name under which your business applies for your PPP loan, in order for us to deposit the loan proceeds.

March 30, 2021


On Tuesday, March 30, 2021, President Biden signed into law the Paycheck Protection Program (PPP) Extension Act. This bipartisan law extends the PPP application deadline by two months to May 31, 2021. The law also provides the U.S. Small Business Administration (SBA) authorization to continue processing pending PPP applications for an additional 30 days beyond the new May 31, 2021 deadline.

Zions Bank will continue accepting PPP loan applications through the May 31, 2021 deadline.

Additional Details

Determine your Paycheck Protection Program loan amount and Needed Documentation.
Zions Bank has prepared a worksheet and checklist that can help you determine the qualified loan amount and the associated documentation required as part of the loan process.

If I received my first PPP loan from another financial institution, can I apply for a second-draw loan through Zions Bank?
Yes. As part of the application process you will need to provide the SBA loan number from your original PPP loan.

What if I don’t qualify for a PPP loan?
As an SBA Preferred Lender in your community, we can provide guidance and assistance with other SBA loan options to meet your business needs.


What did Zions Bank do for businesses in 2020?

The effects of COVID-19 haven’t been easy for businesses and nonprofits, but Zions Bank is committed to helping them recover. Here’s how our efforts have affected our community during the first round of the Paycheck Protection Program.*

*Stats available as of August 13, 2020

The story behind the numbers.


Committed to Our Community

For more than 145 years.

Getting the PPP loan and the assistance from Zions Bank made all the difference in the world. It gave us some breathing space. We were able to pay our people what they are worth. That means a lot.

Lucy Cardenas, Red Iguana


Paycheck Protection Program Details

Updated February 18, 2021

The Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (Economic Aid Act) became law on December 27, 2020. As part of this end-of-year emergency COVID-19 relief package, additional funding has been allocated to the Small Business Administration (SBA) for the reopening of the Paycheck Protection Program (PPP) for eligible first-time and second-time borrowers.

The Paycheck Protection Program is intended to provide economic relief to small businesses adversely impacted by the COVID-19 pandemic. The Economic Aid Act extends the authority of the SBA to make PPP loans through March 31, 2021 (or until the allocation of funds in the program has been reached) and revises certain PPP requirements.

Please access the following links for guidance on the new round of PPP loans as authorized by the recently passed stimulus bill, including updates regarding borrower eligibility and general rules relating to loan increases and loan forgiveness.

The SBA requires you to upload an addendum to the PPP Application if the Applicant or any owner of the Applicant is an owner of any other business or has common management (including a management agreement) with any other business. If applicable, please complete the Addendum A form to meet the SBA’s requirements.

The Small Business Administration (SBA) has stated that there will be a time lapse between when a lender submits a PPP application to the SBA and when the SBA provides an SBA loan number to the lender. The delay is due to additional checks the SBA intends to conduct on borrowers to ensure the integrity of the PPP program. While there is no guarantee of adequate program funding, the SBA has expressed confidence that the amount of funding provided for first draw and second draw PPP loans will meet all borrower demand, and expects all loan applications will be processed in an orderly manner.


For additional PPP information and updates on the Paycheck Protection Program, visit the U.S. Department of the Treasury CARES Act website or the SBA’s PPP website.

The information contained on this webpage is for informational purposes only. Due to the complexity and evolving nature of PPP rules and guidance, we strongly advise you to seek guidance from your CPA, attorney or other advisor on any complicated

PPP eligibility and/or loan forgiveness questions. PPP loans subject to SBA approval. Restrictions may apply. See banker for details.