Payroll Protection Program: Next Steps

You've submitted your PPP application and documents, but you're not done yet.

You may be called upon for additional documentation or clarification and a prompt reply may be the difference between getting funded or being left out.

Plan Certain can track files submitted through Lendio, upon request, by using the form below to link your file. Be sure to check out PPP Next Steps and get ahead of the pack.

Want Us to Track Your File?

Disclosure: We have no financial interest in Lendio, nor receive compensation from them. We just know they’re working hard to fund small businesses, like yours. Not sure who Lendio is or if you qualify? Check out their video.

If you landed on this page, chances are you were referred by one of our attorneys, CPAs or insurance group partners. Complete the form below to attach our “priority” flag to your file and connect it to our designated Funding Manager at Lendio. In addition to any automated emails sent by Lendio, our Funding Manager will alert us when your file is sent to the SBA queue. If there are any issues along the way, we can reach out to you in this time sensitive process. This is an optional step if you want one more person looking out for your PPP loan success. 


Next Steps for Your PPP Application

These next steps are a guide as to what to expect in the process based on our experience and those of our clients. This is informational and not meant to substitute or override your communication with your lender, Lendio, or your local SBA.

1. Document Quality Check

Lendio will check your documents and files for accuracy and errors before moving into the lending queue. Be sure to check your spam or junk folder, just in case. If you link your file above, Plan Certain will coordinate with our Funding Manager and help by contacting you should there be an error in your file and notify you of the file status.

2. SBA Queue

Once your file passes a full quality check, it is moved within Lendio to the SBA Funding Queue for lender placement with one of the 300 lenders participating on the Lendio platform. Plan Certain will be alerted by our Funding Manager when your file goes into the queue, if you choose to link your application above.

3. Assign Lender &
Funds Guarantee

Your assigned lender requests an authorization and funding guarantee using the SBA E-trans system. This reserves your funds. If the file is rejected by the SBA (rare), it usually means that another lender received your guarantee authorization through your separate application. Plan Certain linked files are alerted at this stage.

4. Lender Contact & Closing

After your lender receives your guarantee authorization and reservation of funds from the SBA, they will contact you directly to begin the process of closing and funding your PPP loan. You will need to provide a voided check or banking information at this stage.

5. Funding & Forgiveness

Your Lender has 10 business days to fund the loan after SBA approval. As the borrower, you have eight weeks to spend the PPP Loan funds and qualify for forgiveness by bringing payroll and jobs back to pre-crisis levels. If done, borrowers should request loan forgiveness through your lender. Be sure to keep accurate records for verification of how funds are spent.

6. Congratulations

You successfully navigated the PPP funding and forgiveness process, and hopefully the worst of the COVID-19 Pandemic.

Let’s Talk

Need more help with the PPP process or something else? Schedule a 15-minute call with a strategist. 

We have many resources available and will point you in the right direction if we are unable to work together. What are you waiting for?

Why Are We Doing This?

We are doing all that we can to help our fellow small business owners survive these unprecedented times. Our extensive experience in working with government, lending institutions and private business, puts us in a unique place to be able to help. We hope to rise to the call.  

When we’re not fighting economic disaster fueled by pandemics, we help people plan safe financial futures using these guiding principles – Certain. Secure. Simple. Keep reading to learn more.

Our Process

The Plan Certain process is centered around certain, secure and simple strategies that build wealth by avoiding risk, volatility and loss.  Our planning approach embraces your goals and objectives with a strong view to the future.

In Action

 We follow time tested, proven business models that match your long term financial goals with the strongest financial companies in the world. Our action plans typically include steady growth strategies for monies you cannot afford to lose, some estate planning or related long term asset planning, and if we need to get creative with equity you have with residential or commercial real estate, we’ll evaluate those options together. 

Here is where we separate from the status quo.  Our guidance encourages you to think long term and follow a disciplined but flexible wealth building plan.  Think “What will you do when you are 82?” Life is unpredictable, your financial future should be certain, secure and simple


We need to get to know each other.  Let’s take a virtual meeting in the comfort of your home or office.  We need to learn a bit about each other. Whether you are just starting out, are in the middle of your career, or are getting ready to retire, when dealing with financial issues we need to build trust.  We want to know your dreams, how you feel about financial issues and what matters most to you.  


With your goals and objectives in mind, we bring our experts together to model  personalized options for you to consider. You choose the solution that feels right to you and we help you understand how it aligns with what matters to you and builds a secure financial future.  


 Here is the bottom line.  In order to achieve your dreams, goals or objectives, you must take action.  This is where the rubber meets the road. We will have developed trust, built a personalized solution that feels right to you, and now it is time to take action.  In order to have the benefits of secure financial life, you must do what it takes. Make no mistake, we will encourage you to move forward.  

Now that you know a bit more about us, we’d love to get to know you. 

Get Started

The secret of getting ahead is getting started.