Help With Your Application

• 1. You enter and submit your information + documents
• 2. Your information is under review
• 3. Your lender preps your SBA loan application
• 4. Your lender send you your SBA loan application to sign
• 5. Your lender submits your application to the SBA to review
• 6. The SBA reviews the application
• 7. The SBA approves it
• 8. You sign your closing documents from your lender
• 9. Shortly after signing, you receive your funding from your lender

Note: Womply is not a lender, but we help small businesses with the PPP

To avoid potential delays, make sure you follow the directions in the image below:

Remember to add no-reply@womply.com to your approved email contacts list to ensure you continue to receive important notifications about your application.

ID details such as birthdate, address, and full legal name must be consistent between the application and the ID you wish to upload, including all applicable spaces and abbreviations. Your application MUST match the ID you upload.

Ex: If your ID states your name is Wally De La Wombat, your application must state Wally De La Wombat not just Wally Wombat.

If your application information does not match your ID, you can update your birthdate and street address in the Identity Check itself or you can log into your application dashboard and edit your basic information to match.

When selecting your ID type, please select the correct option based on the form of ID you wish to upload. All of the following are considered acceptable forms of ID:

• Drivers License
• State ID
• Passport
• Passport Card
• Permanent Resident Card
• Work Permit

When taking a picture of your government ID please ensure the following:

• The background behind the ID is solid
• All text on the ID is legible and in focus
• The picture is not too light or too dark. Don’t use any sort of editing software to modify your ID. For example, do not add brightness or contrast with software
• There is no glare or shadow on the ID you are using
• Capture your entire ID in the frame so all edges are visible

When you reach the stage of the verification process that states “let’s make sure you’re you,” what this is asking for is a selfie video that will be compared against the picture on the government ID you uploaded on the previous step. To make sure that your verification is successful, please ensure the following:

• Please take a selfie video of yourself, not of the government ID you uploaded on the previous step
• Please remove your glasses before starting the selfie video. This allows the system to better read your face and compare it against the picture on the government ID provided
• If there is glare in the video, the system will have difficulty reading your face in order to compare it against the picture on the ID provided. You can reduce glare by moving away from direct light
• If the lighting in the the video is too bright or too dark, the system will have difficulty reading your face. Please make sure your lighting is as close to natural lighting as possible for best results
• Camera should be pointing directly at the center of your face and your eyes must be open
• The camera must be centered with your nose. If it is held below or above your nose this can cause the system to have difficulty reading your features
• Take the selfie video with a blank background behind you, with no other faces visible (including other people or pictures of other people). If there are other people or pictures behind you, the system will read the them in addition to your face and come back with an error message
• During the selfie video the system will ask you to turn your face slightly from left to right. Please make sure you are turning your entire head left and right according to the prompts on the screen
• Fit your face to the frame by moving the camera closer or farther away
• Keep the device stable and steady to avoid blurring

BACKGROUND

Fast Lane applicants must sign two legal agreements before they can receive their funding for a loan:

1. A PPP application, the form for which is issued by the SBA
2. A promissory note, the form for which is determined by the lender for each loan
   

These documents are typically delivered at least a few days apart for each individual loan.

In accordance with SBA rules, Fast Lane lenders accept electronic signatures from borrowers on these documents. Fast Lane uses DocuSign—a third party company—to capture these signatures. 

DOCUSIGN DELIVERY

After Fast Lane populates your documents based on the data and documents you have provided, you will be able to sign them in one of two ways:

1 Email

You will receive an email from DocuSign with a subject that says “Please Sign…” and includes a “Review Document” button.

2 In-App

When your application moves into a stage that will require your signature, you will see a button that says “Sign” on your Status Details page. If your DocuSign is ready, then clicking on this button will open the document in a new window and allow you to review and sign. 

While Fast Lane gives you two separate ways to access your DocuSign, you must review and sign your document through only one of these methods. That’s because once you access your document through either email or the app, the method of access that you did not use will be invalidated for that document. 

Example: If you access your document from the Fast Lane app by clicking “Sign,” then the emailed version of the same document will be invalidated. Therefore, if you need to return to that document later (eg to review or sign it) you must use the same “Sign” button to access the document (and not try to access the document from the emailed version). Once you click on “Sign” you may also receive an email stating “you no longer have access” to the file that was previously emailed to you.

Once received you should immediately review and sign your DocuSign documents. These are required to move forward and any delays in signing could result in funding delays or even prevent you from being approved.

We strongly recommend you review and sign in one session. Don’t leave and come back later to your DocuSign documents.

Also note, the “Sign” button on your Status Details page may be visible before your DocuSign is ready for you to review and sign. That is expected. It can take a couple of days before your DocuSigns are ready for you to sign but the button may show up before the document is ready.

You do not need to enter any information into the documents via DocuSign–just review, initial, and sign.

When you apply via Fast Lane, you should automatically receive an email in your inbox. If you don’t see it, try searching your inbox and/or spam folder for no-reply@ppp.womply.com

You cannot change the phone number, as it is associated with your email address. Please start a new application with the correct phone number and a different email address.

If you don’t have more than one email address, you can use the email address from your previous application by simply adding a “+” sign before the “@” in your email address.

Example

Original email: sample@gmail.com

Reapply with: sample+@gmail.com

You are welcome to still apply for the PPP without Fast Lane. Please start your application at womply.com/ppp and choose the option to apply without Fast Lane.

The “business name” field is optional. If you don’t have a business name, you may leave this field blank.

Yes, you can enter your ITIN in the SSN box.

An IRS Schedule C (Form 1040) is used to report income or loss from your business or the profession you practiced as a contractor, gig worker, etc.

You need to provide a pdf copy of your IRS Schedule C (Form 1040) from 2019 or 2020 in order to apply for Fast Lane (unless your income came from farming or agricultural activities, in which case you will need to use an IRS Schedule F Form).

An IRS Schedule C (Form 1040) looks like this:

Learn more about Schedule C on the IRS website

An IRS Schedule F (Form 1040) is used to report taxable income earned from farming or agricultural activities.

If you earned money from farming or agricultural activities, you need to provide a pdf copy of your IRS Schedule F (Form 1040) from 2019 or 2020 in order to apply for Fast Lane.

An IRS Schedule F (Form 1040) looks like this:

Learn more about Schedule F on the IRS website

No. Fast Lane only works with 2019 or 2020 tax filings.

If you are using 2020 amounts and have not yet completed a 2020 return, fill out the required portions of your IRS Schedule C or F (Form 1040) and compute the values.

If you received eligible income in both 2019 and 2020, you should use the form from the year in which your gross income was highest.

If you use a popular online tax filing program, you will be able to login and download them (see guides below). If you did not, you would need to either check copies of your tax filings or speak to your tax advisor or accountant if you use one.

If you have a physical copy of your IRS Form 1040 and your Schedule C or Schedule F, there are several methods you can use to convert those physical documents to pdfs.

Scan using your mobile device

There are several apps available that will let you scan any document using the camera on your mobile device and automatically turn it into a pdf. 

Adobe Scan is a popular app that can do this for you but there are several similar applications that will work.

If you’d like to use Adobe Scan, you can download via one of the links below:

• Apple app store
• Google play store

When using a mobile app, you simply take a photo of your IRS Form 1040 and your Schedule C/F and choose to save it as a PDF

If you own or have access to a desktop scanner, you can also use it to scan your documents and save them as a PDF.

No, you do not need to upload a copy of your photo ID for PPP Fast Lane.

When you download a copy of your return, TurboTax includes everything that was sent to the government, which would include your IRS Form 1040 and Schedule C/F.

Guide to access your 2019 return via TurboTax:

• First, make sure you’re using the same TurboTax account (with the same username) as in prior years. Otherwise, the below instructions won’t work.
• If you’re signing in for the first time this year, they may ask you some questions before you get to the Tax Home screen where you can access your prior year returns. 
• To get your prior year return:
  • Sign in to your TurboTax account here if you haven’t already.
  • Select Documents from the left menu. 
  • Use the drop-down menu to choose the tax year you want and then select Download tax PDF.

• You can also access your prior year returns like this:
  • Sign in to your TurboTax account here if you’re haven’t already.
  • Scroll down to the bottom and select Your tax returns & documents.
  • Select the year you want, then select Download/print return (PDF).

If the year you’re looking for isn’t there, it might be in a different account. Go here to find all of your accounts, one of them should have the return you’re looking for

Whether you completed your taxes with H&R Block in an office or paid to do your taxes online, you can get return copies when you create or sign in to your MyBlock account. 

Just access the Prior years link at the top-right of the screen in the “Your Taxes” section. You’ll then see all the years of tax returns available in your account. 

You should see the options on top of the screen to open, save, or print the tax return. You can either choose to save the return as a PDF, or you can choose to print the return and when your print dialogue window opens up choose “Save as PDF” as your print “Destination.”

• From within your TaxAct Online return click Federal. On smaller devices, click  in the upper left-hand corner, then Federal.
• Click Print Center in the left column.
• Click Custom
• Check the item you want to print (You may need to scroll down in the section to locate the item).
• Click Print
• Click the PDF link.
• Click the Printer icon or the Save icon or the Download icon (available when you hover your mouse over the bottom of the PDF form).

If you electronically filed your return with TaxSlayer you can view/print a copy of your return by logging in to your TaxSlayer account, and selecting the “Prior Year” tab on the “My Account” page. You will then need to click on “View or Print Return.” From there you can either download the pdf of your return or choose to print and then “Save to pdf” as your print destination option.

If your return was prepared at a Jackson Hewitt office that uses the Electronic Signature & Storage (ESS) system, you can print your tax return and other related tax documentation using MyJH.

• Join MyJH or Log In to MyJH.
• Click on Manage Documents.
• Click the ellipsis ••• to the right of the document you’d like to download.
• Select Download.

If you filed with Jackson Hewitt but DID NOT electronically sign your tax return, you can go to any office and show proper identification to obtain a copy.

If you filed with Jackson Hewitt but DID NOT electronically sign your tax return, you can go to any office and show proper identification to obtain a copy.

A pdf is a file format developed to present and read documents. It allows our system to read the contents of your IRS Form 1040 and your Schedule C/F automatically, thus making the application process much faster. 

To get a PDF of a document, you can either use a desktop scanner, or you can use one of several mobile applications that allow you to scan documents to PDF using your mobile camera. 

Adobe Scan is an example of an app that can do this for you, but any app that allows for “scanning to PDF” from your mobile device will work.

If you’d like to use Adobe Scan, you can download via one of the links below:

• Apple app store
• Google play store

When using a mobile app, you simply take a photo of your IRS Form 1040 and your Schedule C/F and choose to save it as a PDF.

No. In order for our system to be able to read your application, it must be uploaded as a PDF. A regular photograph will not work and will result in your document being rejected and you being asked to upload a PDF.

If you have a photo scanning app on your smartphone (see above for more details), you may use your camera to scan your documents and save them as a PDF.

Yes. There are several programs that will allow you to combine multiple documents into a single PDF.

An example of a free online program that will merge multiple pdf documents into a single file is Smallpdf: https://smallpdf.com/merge-pdf.

All you need to do on that page is click “Choose files” and select the PDFs you’d like to combine (you will need to have previously downloaded or scanned the PDFs you’d like to combine.

After you’ve selected your files, click “Merge files,” arrange the pages in the order you’d like them to be in the combined PDF, and click the “Merge PDF” button. The program will then combine each of your selected documents into a single, multi-page PDF.

You cannot delete the document. Please upload the correct document and answer all questions based off the correct document.

You can search for or browse NAICS codes on the NAICS website.

Here are examples of NAICS codes frequently used by independent contractors, gig workers, self-employed persons, etc.

• Ridesharing Services (such as Uber, Lyft, etc.)
  • 485310 – Taxi and Limo Service
• Delivery Services (DoorDash, Postmates, etc.)
  • 492110 – Couriers and Messengers
• Task-Based Services (TaskRabbit)
  • 812990 – All other personal services
• Car Rental Services (RelayRides, GetAround, etc.)
  • 532112 – Automotive Equipment Rental & Leasing
• Homesharing Services (AirBnB)
  • 721110 – Hotels, motels, bed & breakfasts
• Rooming and Boarding Houses
  • 721310
• Real Estate Property Managers
  • 531311
• Other Activities related to Real Estate
  • 531390
• Other Transit and Ground Passenger Transportation
  • 485999
• Other Consumer Goods Rental (Spinlister, etc.)
  • 532210
• Drycleaning and Laundry Services (Rinse, etc.)
  • 812320 – On-demand dry cleaning services
• Special Food Services (Feastly, etc.)
  • 722310 – Food service contractors and caterers
• Specialized Freight Trucking (Dolly, etc.)
  • 484210 – Household moving vans
• Cleaning Services (Handy, etc.)
  • 561720 – Janitorial Services
• Other Services to Building and Dwellings
  • 561790
• Contracting or Home Renovations Services
  • 561730 – Landscaping services
• Other Personal and Household Goods Repair and Maintenance
  • 811490
• Pet Care Services (Rover, etc.)
  • 812910 – Pet sitting services (except Veterinary care)

If you’re still not sure what NAICS code works best for your situation, you can search for the code that most closely matches your business on the NAICS website.