Frequently Asked Questions
about the Paycheck Protection Program (PPP)

The PPP ended May 31, 2021. We are no longer offering active support. For questions regarding PPP forgiveness, visit https://directforgiveness.sba.gov/.

Applying

What if I don't have a bank account or checks?

You need to a bank account to apply through PPP Fast Lane. If you don’t have checks available, reach out to your financial institution for help.

In your application, you can manually add your bank account information if you have your bank’s routing number, your account number, a voided check, bank statements, and a picture ID.

Your routing number is a nine-digit number that’s unique to your bank or credit union. Your account number is a specific number your bank assigns to you. If you don’t have those numbers, contact your financial institution for help.

What documents do I need?

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

How do I verify my identity for a Fast Lane application?

Any and all active PPP Fast Lane applications that have not completed the identity check must login and complete the Identity Check attached to your application(s). We are upgrading the identity check process to help you get approved and funded faster. Applicants who complete these steps will be prioritized by lenders. (SEE BELOW FOR CHECKLISTS)

  1. Login at pppfastlane.womply.com
  2. Click on your application
  3. Click on “Update Application”
  4. Click on “Identity Check”

Now you can add the required information. Follow the next steps to make sure your information is complete and accurate. The process should take less than 3 minutes. (SEE BELOW FOR CHECKLISTS). 

1. CHECKLIST FOR VERIFYING YOUR BASIC INFO

  • Provide a valid mailing address. It must exactly match the address on the government ID you provide in the next step. We cannot accept a PO box or a temporary military address.
  • If the name is incomplete or you are using an alias, please note that you will be asked to provide a valid government ID during the next step. The information provided must exactly match the information on the government ID. Please ensure full name, including spaces, is included on the application as it is shown on your ID.
    • Example: If your ID states your name is Wally De La Wombat, your application must state Wally De La Wombat, not Wally Wombat or any other variation
  • If your application information does not match the government ID you wish to upload, you can edit your basic information from inside your application dashboard. Login to “Update Application” as directed above and click the “Update Basic or Tax Info” button to fix it
  • Check your birthday and ensure day and month are correct and in the right format (mm/dd/yyyy). So, if your birthday is February 1, 1980, you should write 02/01/1980

Note: If there’s an error shown on this screen then it means you entered the error when you submitted your application. Login to “Update Application” as directed above and click the “Update Basic or Tax Info” button to fix your typo

2. CHECKLIST FOR UPLOADING YOUR GOVERNMENT ID

  • Select the correct type of ID you are uploading. All of the following are considered acceptable forms of ID:
    • Drivers License
    • State ID
    • Passport
    • Passport Card
    • Permanent Resident Card
    • Work Permit
  • 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. If your application information does not match your ID, you can update your birthdate and street address in the Identity Check section, or you can log into your application dashboard and click the  “Update Basic or Tax Info” button to fix it
  • Avoid wrinkled, cut, or damaged IDs
  • Take a new picture of your ID, ideally from a smartphone (see guidelines below)

When taking a picture of your government ID, pay attention to these important details:

  • BACKGROUND: Place the ID on a solid-color background, like a piece of plain paper or a plain tabletop. Don’t hold your ID in your hand or balance it on your leg
  • POSITION: Place the ID on a flat surface. Avoid taking the photo from an angle. Capture your entire ID in the frame so all edges are visible. Capture only the front side of the ID
  • LIGHTING: The picture you take of your ID must not be 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 must not be glare or shadow on the ID you are using
    • Avoid camera phone flash, glare, or bright lights
    • If you have trouble, take the photo outside during the day
  • IMAGE: All text on the ID must be legible and in focus. Hold your phone/camera very still and take the image slowly and carefully to avoid blur

3. CHECKLIST FOR TAKING YOUR SELFIE VIDEO FOR ID VERIFICATION

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. Please take a selfie video of yourself, not of the government ID you uploaded on the previous step

When taking the selfie video of your face, please pay attention to these important details:

  • BACKGROUND: Sit in front of a plain flat wall. Make sure no other faces are 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
    • Don’t take the video inside a vehicle
  • FACE COVERINGS: Remove your glasses, mask, hat, scarfs, large earrings, or anything that could make your face look different from your photo ID. Removing face coverings helps the system match your face to the government ID
  • LIGHTING: 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
  • ANGLE AND FRAMING: Point your camera directly at the center of your face and keep your eyes 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
    • Move the camera closer or farther away to fit your face to the frame
    • Keep the device stable and steady to avoid blurring
    • During the selfie video, you’ll be asked to turn your face slightly from left to right. Make sure you turn your entire head left and right, according to the prompts on the screen

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

What are some common reasons for failing the ID verification?

Common reasons you might fail the identity check include:

  • Incorrect birth date. If it’s wrong, update it during the identity check.
  • Incorrect physical address. If it’s wrong, update it during the identity check.
  • The ID you selected doesn’t match the ID you uploaded. You can’t choose Driver’s License and then upload a passport, for example.
  • The photograph of the ID is blurry or has low resolution, bad lighting, or a glare.
  • Information on the ID you provided doesn’t match the information on the application. Update your application to match the ID.
  • Typos in your application prevent the system from matching the information with your ID. Make sure all information is accurately spelled and correct to the best of your ability. Example: If your address is 123 Hannah Street but your ID says 123 Hanna Street, the system can’t match the information
  • The address you provided isn’t a valid mailing address. The address must match the address on the government ID you provided. We cannot accept a PO box or a temporary military address. If the information in your application doesn’t match your government ID, you can edit your information from your application dashboard. 
  • The name on your application is incomplete, or you’re using an alias that doesn’t appear on your government ID. The information in the application must exactly match the information on the government ID. Make sure your full name, including spaces, appears on your application as it’s shown on your ID. Example: If the name on your ID is Wally De La Wombat, the name on your application must be Wally De La Wombat, not Wally Wombat or any other variation.

Tips for avoiding issues when uploading your government ID

ID details such as birth date, address, and full legal name must be consistent between the application and the ID you want to upload, including all spaces and abbreviations. Your application must match the ID you upload.

Example: If the name on your ID is Wally De La Wombat, the name on your application must be Wally De La Wombat, not Wally Wombat or any other variation

If your application information doesn’t match your ID, you can update your birth date and street address in the Identity Check. Or you can edit the information from your application dashboard.

When selecting your ID type, choose the form of ID you want to upload. These forms of ID are accepted:

  • Driver’s License
  • State ID
  • Passport
  • Passport Card
  • Permanent Resident Card
  • Work Permit

When you photograph 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 isn’t too light or too dark. Don’t use any sort of software tools to modify your ID. For example, don’t add brightness or contrast.
  • The photo shows no glare or shadows on the ID.
  • The entire ID is in the frame, so all edges are visible.

Tips to avoid issues with selfie video verification

During the verification phase, you’ll see the phrase, “Let’s make sure you’re you.” At this point, you’ll take a selfie video that will be compared with the picture on the government ID you uploaded. To make sure your verification is successful, please pay attention to these important details:

  • Take the selfie video of yourself, not your government ID.
  • Before you start the video, remove your glasses. The system needs a clear view of your face to compare it with the picture on your government ID.
  • Reduce glare by moving away from direct light. If there’s glare in the video, the system will have difficulty comparing your face with the picture on your ID.
  • The lighting in your video should be as close to natural light as possible. If the video is too bright or too dark, the system will have difficulty recognizing your face.
  • Point the camera at the center of your face and open your eyes.
  • Center the camera on your nose. If the camera is centered below or above your nose, the system will have difficulty recognizing your features.
  • Sit in front of a blank background. Make sure there are no other faces behind you (including other people or pictures of other people). Other faces will confuse the system and will result in an error.
  • When the system asks you to turn your face slightly from left to right, turn 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 steady to avoid blurring

DocuSign troubleshooting tips

BACKGROUND

When you apply through Fast Lane you must sign two legal agreements before you can receive loan funding:

  1. A PPP application form that’s issued by the SBA
  2. A promissory note that’s provided by your lender

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

PPP Fast Lane populates your documents based on the information you provided. You can sign them in one of two ways:

1 Email: DocuSign will send you an email titled “Please Sign . . .”. In the email, select the Review Document button.

2 In-App: When your application is in the signature stage, your Status Details page will display a Sign button. This button might show up a few days before the documents are actually ready. When they’re ready, the Sign button will open the document in a new window where you can review and sign.

Although PPP Fast Lane gives you two ways to access your DocuSign, you must choose only one of these methods to review and sign your document. As soon as you sign by either email or the application, the other signing method will be invalidated for that document.

Example: If you access your document from the Fast Lane application by selecting Sign, the emailed version of the same document will be invalidated. So if you later return to that document to review or sign it, you must use the same Sign button to access the document. You shouldn’t try to access the document from email. After you select Sign, you might receive an email that informs you that you no longer have access to the file that was previously emailed to you.

Review and sign your DocuSign documents as soon as you receive them. The application can’t progress without signatures. Delays in signing could delay your funding or even prevent you from being approved for a loan.

When you start a signing session, finish it before you leave the session. Don’t leave and try to return later to sign your documents. You don’t need to enter any information into the documents–just review, initial, and sign.

Plaid Bank Connection: Bank not listed or I’m not comfortable connecting

If your bank is not available with Plaid or if you don’t want to connect your bank with Plaid, you will need to go back on your application and select the manual option to add your bank.

You will need to update your bank information directly into your application for security purposes.

Your routing number will be a 9 digit number which is specific to your bank or credit union. Your account number will be a specific number assigned to you from your bank or credit union institution.

You can find your routing and account number on your voided check to help you with the manual bank upload process.

What is a Verified bank account?

A bank account is considered Verified when:

1 You have provided the information we need to identify your bank account

2 We have analyzed your information and determined that the person listed on your PPP application can receive funds in this account

How does Womply verify bank accounts?

We have two methods for verifying bank accounts. You can use one or both methods for the same account to minimize errors.

Instant Verification (Plaid Connection): If you have the information you need to access your bank account online, you can securely connect your bank account to Womply. You will need to confirm the numbers for routing and the account you want to fund. In some cases, you might need to provide additional bank account information if it’s requested. Most banks support instant verification.

Manual Verification: Wherever possible, we recommend you use instant verification. If this isn’t an option for you, you can manually verify your bank account. You will need to provide bank account details and pass our identity check. Manual verification is slower, but it works consistently if you provide the correct information.

Do I need a Verified bank account to receive my PPP loan?

Yes. If you can’t verify your bank account, your loan will be canceled.

In some cases, a bank account that’s verified at the beginning of an application can become unverified by the time the loan is approved and ready to fund. So keep an eye on your bank status and update your information as needed to avoid funding delays or cancelation.

Why do I need a Verified bank account to receive my PPP loan?

This security measure ensures money goes to the individual or business that applied for the PPP loan.

Can all banks be verified?

There are no restrictions on particular banks. But your bank must be based in the US.

Can any account type be verified?

No. Only a depository account that can receive an ACH payment can be verified.

Can a personal or business bank account be verified?

A personal account or a business account can be verified. But the details on your application must exactly match those on your bank account. If they don’t match, your bank will reject the payment.

What happens if I upload information about multiple bank accounts?

This isn’t recommended. The first bank account we verify will be attached to your application. After it’s attached, we’ll continue to verify new bank accounts, but they won’t be attached to your application.

Can you do my application for me?

For your security, we can’t complete the PPP Fast Lane application for you. Our support team can help with technical issues or questions might have when you apply. Review our FAQ pages for any questions you might have.

Couldn’t find an answer to your question?
Please refer to our main FAQ if you have additional questions.

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