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Paycheck Protection Program

Now Accepting Current MidWestOne  Customer SBA PPP Loans.

Please consult your MidWestOne business banker BEFORE you submit your application to ensure it is complete and accurate. Submission of a flawed application may cause delays. Note: If you filled out an application previously, you may need to complete a new one using the link below.

MidWestOne Bank is committed to helping our small business customers navigate these challenging times. We appreciate your patience as the SBA and U.S. Treasury finalized important details for processing Paycheck Protection Program loan applications. To expedite applications, we have assigned additional lenders to process customer requests.

As a preferred Small Business Administration (SBA) lender, we are participating in the CARES Act and will provide your business guidance and advice as the government delivers assistance programs and options. The Paycheck Protection Program (PPP) guidelines were rolled out March 31 and amended on the evening of April 2. The Interim Final Rules and application can be found below.

If you and your banker agree a PPP loan is appropriate for your business, we can advise you on how to prepare your application, then you will submit your application directly to your commercial banker at MidWestOne Bank. We will process your application in conjunction with the SBA on your behalf.

Our review and guidance will help you complete your application correctly and appropriately.

Please follow these five steps: 

  1. Contact your business banker.
  2. Read the Interim Final Rule/Borrower Fact Sheet: Click here to download PDF

    Refer to Chapter 2, pages 5 to 19, “What do Borrowers Need to Know and Do”

  3. Gather your payroll information. Note: If you use a payroll processor, they may have the resources you need readily available to help.
  4. Complete the Application: Click here to download PDF
  5. Send the application to your MidWestOne business banker for review and submission to SBA.


Thank you for banking with MidWestOne.

Please note that the information on our website reflects our best understanding of the evolution of these programs to date.  If new program guidance or requirements are issued by the Small Business Administration or U.S. Treasury, we will do our best to publish them as quickly as possible.