Before You Apply

Why is this called PPP Fast Lane?

PPP Fast Lane aims to help eligible businesses and workers access the Paycheck Protection Program as quickly and easily as possible.

PPP Fast Lane works by collecting the minimum amount of information that’s required by lenders and government rules so that you can complete your PPP applications and related forms quickly. PPP Fast Lane automates complex calculations and application filing processes based on the data and documents you provide.

Neither Womply nor PPP Fast Lane has any impact on how fast your application(s) will be reviewed or approved by the government. We make no representations about our ability to effect the outcome of your loan applications or the speed with which you can apply.

What's the difference between PPP Fast Lane and Womply?

PPP Fast Lane is a product of Womply. Womply is not a lender, we are a technology company that serves over 500,000 businesses across the US. We are very involved in PPP but we are not a lender. PPP Fast Lane is not a lender, it is a technology product of Womply (the company).

Who can use PPP Fast Lane?

PPP Fast Lane is completely free and available to any eligible business. To check your eligibility, please start by filling out the form on — if you are eligible based on your answers then you will automatically have the option to apply with PPP Fast Lane.

If you are not eligible for PPP Fast Lane, you may still be eligible for the PPP program and we will automatically connect you to a lender who we believe will be able to serve you.

How much does PPP Fast Lane cost?

PPP Fast Lane is completely free for any eligible business. It’s illegal for any company to charge a borrower to access the PPP program. Companies such as Womply (we are not a lender) receive compensation from our lender partners. Lenders get paid fees by the government for providing PPP loans. Neither Womply nor any PPP lender will charge you to access the PPP program.

What is required to use PPP Fast Lane?

To use PPP Fast Lane, you must first be a non-employer business, independent contractor, gig worker, self-employed person, and you also must have:

  • U.S. mobile phone number
  • Your Social Security Number
  • Bank account you can access online
  • Access to a PDF of your IRS Schedule C (Form 1040), or IRS Schedule F (Form 1040) from 2019 or 2020

What if I don't have a cell phone?

Currently the PPP Fast Lane can only be set up with a verified cell phone number. This is required so we can keep your information secured and provide log in codes for only you to receive when logging back into your application. 

If you currently don’t have a cell phone to provide for the PPP Fast Lane application, you can continue applying without Fast Lane HERE

What documents are required for PPP Fast Lane?

Here are the documents non-employers should expect to provide when applying through Fast Lane:

  • U.S. mobile phone number
  • Your Social Security Number (or ITIN)
  • US-based bank account
  • Access to your tax records from 2019 or 2020. You must upload at least one of the following:
    • IRS Form 1040 Schedule C 2019 (filed)
    • IRS Form 1040 Schedule F 2019 (filed)
    • IRS Form 1040 Schedule C 2020 (filed)
    • IRS Form 1040 Schedule F 2020 (filed)
    • IRS Form 1040 Schedule C 2020 (draft)
    • IRS Form 1040 Schedule F 2020 (draft)
  • Government issued ID, such as:
    • Drivers License
    • State ID
    • Passport
    • Passport Card
    • Permanent Resident Card
    • Work Permit

Do I need to apply for PPP through Womply or PPP Fast Lane?

No, you are under no obligation to apply for the PPP through Womply or PPP Fast Lane. In fact, there are over 5,000 lending institutions that are approved by the government to originate PPP loans (and Womply is NOT one of them–we are a technology company). If you would prefer to work with a lender that doesn’t work with Womply you can find one here. We hope to earn your business, but mostly we want to make sure you get funded!

Will PPP Fast Lane help me get approved faster for a PPP loan?

No, PPP Fast Lane will make it easier and faster for you to create your applications but no company can change the speed at which the SBA reviews or approves PPP loan applications.

Will PPP Fast Lane apply for PPP automatically on my behalf?

No, PPP Fast Lane may be able to collect the info you need to apply more quickly. But PPP Fast Lane and Womply cannot apply on your behalf. In all cases you are fully responsible for determining your eligibility, entering correct information, reviewing, certifying, initialing, and signing your loan applications, promissory notes, and forgiveness applications.

Will PPP Fast Lane get me PPP loan forgiveness automatically?

No, PPP Fast Lane collects information from you quickly so that you can apply for PPP forgiveness quickly. As a borrower, you are wholly responsible for your forgiveness application and the information contained in it. We make no representations about your eligibility for forgiveness, whether or not forgiveness will be granted to you, or the speed with which you will receive forgiveness.

Womply is not a lender. Our technology is intended to make PPP loans and PPP forgiveness easier, however you as a borrower are solely responsible for all aspects of the information you provide to Womply, your lender, and the government. Forgiveness must be managed directly between the borrower and lender.

If I have been rejected elsewhere for PPP can I apply through PPP Fast Lane?

Yes, however we make no representations about your eligibility or ability to get approved with one of Womply’s lenders–whether or not you apply through PPP Fast Lane.

I believe I/my business is not eligible for a PPP loan, will PPP Fast Lane help me apply anyway?

If you aren’t eligible for a PPP loan then you shouldn’t be applying for PPP. If you aren’t sure whether or not you’re eligible, we recommend you research that question and when in doubt you should apply (either with a Womply lender or any other PPP lender). However you should be careful when reading all aspects of your application. Don’t lie on your application. Be sure to understand what you are certifying and signing. If it’s not correct for any reason, then ask for help or stop. Do not submit a knowingly fraudulent application with Womply or PPP Fast Lane.

Do I need to have good credit to apply for Fast Lane?

No! There is no credit check for this program. Applying for a loan will not affect your credit, nor will receiving one.

I didn't file taxes, am I still eligible?

No, you must have filed your taxes and provide a PDF copy of your IRS Form 1040 and Schedule C documents from 2019.

Can I apply with a Schedule E?

You can only use Schedule C or Schedule F with Fast Lane. Schedule E is not likely to be accepted for a PPP loan, but if you’d still like to apply with a Schedule E you can start at

PPP Fraud

We know the vast majority of PPP borrowers are deserving, eligible businesses. We will seek to address potential fraud in a manner that minimizes the negative impacts to legitimate borrowers using our platform. 

Made a mistake?

If you’ve already received your PPP loan: You can repay your lender at any time. We strongly encourage you to do this if you are uncertain about whether you should have received a PPP loan. Neither Womply nor your lender can provide you advice on this subject.

If you haven’t received your loan yet and want to cancel: Depending on the status of your application you may still be able to cancel your application by logging in. If your application has already been received by your lender or the SBA, then you can decline to sign the agreements that we will send you. If you don’t sign these documents, your loan will never be funded.

Suspect fraud? 

If you suspect fraud with your application or you think your personal personal information may have been compromised, please report the incident directly to the SBA complaint portal. You may also contact us.

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