SBA Paycheck Protection Platform: Lender Instructions
Summary
SBA Paycheck Protection Platform Lender Instructions, API Technical Information, updated January 10, 2021, for lenders and vendors originating loans under the Economic Aid Act. The SBA reused its Forgiveness platform to originate PPP (First Draw) and PPS (Second Draw) loans into ETRAN, and direct ETRAN PPP origination will not be available. The platform offers APIs to submit a loan, check its status, withdraw it before a decision, and validate NAICS codes, franchises, first draw PPP loans, addresses and EIDL loan numbers. Because of additional diligence and validation on submissions, there is a slight delay before an SBA loan number is returned, and failed validations are shown to the lender. Principals include owners of 20% or more, and the roll-out lists an Industry Webinar on January 8, 2021 and CFI Lenders on January 11, 2021.
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SBA Paycheck Protection Platform
Lender Instructions
API Technical Information
Updated: January 10, 2021
Not intended to convey policy guidance. In the event of any conflict or inconsistency
with PPP rules, forms or guidance, such rules, forms and guidance govern.
Origination Overview
• To support the expanded Economic Aid Act, the SBA is leveraging the
Forgiveness platform chassis to provide a streamlined interface for originating
PPP loans into ETRAN.
• This has allowed the SBA to purpose build a PPP (First Draw) and PPS (Second
Draw) application process. Direct ETRAN PPP origination will not be available.
• The updated platform also makes available additional utilities to help the
Lending community better validate application data before submission.
• Platform Supports:
• High Volume - PPP Loan Origination - API
• Checking Status - API
• Understanding Data Validation & Identity
Management Results (Public Record Search,
Do Not Pay)
• Address Validation Utilities
• Previous PPP Lookup Tools
• Franchise API
• NAICS Code Validation APIs
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Documentation
• Public GitHub: https://ussbappp.github.io/index.html
• Access & Strategy: Forgiveness access and authentication will be leveraged
for origination. Additional enablement required for origination users and
permissions.
• PPP Loans are booked at the Lender HQ Location ID – this will be
automatically handled (through the combination of the Auth Token provided by
Bank AO, and certified Bank Vendor Key).
• Lenders who have existing Lender Agreements will be enabled for origination on
the Platform.This will allow Lenders/Vendors to book PPP loans into ETRAN.
• The Bank AOs will need to provide explicit permission for users to see the
origination functions. Users that have Forgiveness Platform access will not be
automatically allowed to originate PPP through the platform.
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Relevant Flows – Submit PPP Loan
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Relevant Flows – Check Status of PPP
Status Options:
1. Borrower TIN + Type (SSN, or EIN)
2. Slug
3. Status
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Relevant Flows – Withdrawal of PPP Loan
Status Options:
1. Slug
2. Available only pre-decisional status
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Other APIs
1. Get NAICS Codes – Provides NAICS information for purposes of supporting application
requirements.
2. Get All Franchise - API provides list of franchise listed in SBA’s Franchise Directory
3. Get PPP Loan Validation – provides the ability to see and validate first draw PPP loans
4. Address Validation API – see next page for more details
5. EIDL Loan validation API – Validates EIDL Loan number (Jan 31, 2020 to April 3, 2020)
Important Reminder
In support of the Economic Aid Act, additional diligence and validation is being
conducted on submissions.
1. This will result in a slight delay between the submission and the return of an SBA loan
number.
2. This delay is for data validation and identity management purposes. In addition, should
validations fail, the resulting reasons will be displayed to the lender with an opportunity to
withdraw or address the exceptions. This will be facilitated through the UI platform.
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Address API Validation
This API is used to validate and get standardized addresses along with Zip+4.
API users may use it to ensure addresses are valid before submitting Loan
requests to SBA and normalize street address formats (Rd, St, Alley etc). This is
not a requirement to complete before submission, although a best practice.
While we recommend all addresses be validated before submission, you may still
submit an origination request if the address fails validation but has been
confirmed valid by the lender.
Upon submission, the platform will automatically validate and standardize
addresses before booking into ETRAN. If we can’t find a Zip + 4, the platform will
leverage the current SBA address validation rules which are more flexible
(City/Zip Combinations) – often used to account for US territories.
If the address is not valid after this final address check by the SBA, we will return
a failed validation message which will require resubmission by the Lender.
The Platform UI also has type ahead validation to support ease of use by
Lenders.
Sample:
/api/api/address_validation?address_1=101 ABC Lane&address_2&city=Newark&state=delaware&zip_code=19701
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Testing Approach
Authentication - If you already have Forgiveness API & vendor keys, same keys can be used for PPP
Origination as well. (You don’t need new API keys). Please contact developer@ussbaforgiveness.com if
you have any questions on API keys.
Endpoint - for testing - https://sandbox.forgiveness.sba.gov/
Specifications - API specs available on GitHub page - https://ussbappp.github.io/index.html
Sample client code - for reference – Github Repo - sample code (Java, Python and C#)
Test Data -
EIN/SSN - To avoid stepping on each other’s test Loan submission, we strongly recommend that
EIN/SSN of your test data Borrower should start with 4 digit Vendor id assigned to you. (You can see
your vendor id in your box folder used during Forgiveness)
Example - Vendor ID EIN/SSN Number allowed for EIN/SSN Number not allowed
testing for testing
XYZ_Bank_9142 914200001 814200001
Second Draw testing – Please refer to GET /api/etran_ppp_validation?sba_number for first draw SBA number
validation. We will provide test numbers on GitHub
NAICS / Franchise / Address validation – Please refer to Github page for end point which will provide valid
data
EIDL Loan Validation – We will have test EIDL loan number available on Github for you to use
• Testing support – Please open a ticket with developer@ussbaforgiveness.com if you have any questions or
need Loan status change data conditioning support
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How To Ensure Better Quality Input and PPP Loan Booking
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Principal Discussion
All parties listed below are considered owners of the Applicant, as well
as “Principals”: The term “Principal” means:
• For a sole proprietorship, the sole proprietor;
• For a partnership, all general partners, and all limited partners owning
20% or more of the equity of the firm;
• For a corporation, all owners of 20% or more of the corporation;
• For limited liability companies, all members owning 20% or more of the
company; and
• Any Trustor (if the Applicant is owned by a trust).
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Roll-Out Planning
Integration Strategy: Technical Support:
Industry Webinar: January 8, 2021
• Guidance - Access to Capital for Underserved Communities
Communication and Training for Stakeholders
• Form Introductions & Technical Briefing with Vendors
Borrowers Begin to Engage Lenders
• Lenders to begin accepting applications from Borrowers with Sandbox Update with New Code
updated forms once available.
(Box Folders with Test Data)
CFI Lenders: January 11, 2021
• Engage CFIs to allow them to begin engaging in platform
and submitting New PPP Applications for the initial few Support Fintech/Vendor Integrations
days.
Full Availability
Refine and Optimize Program with Industry
• New PPP loan application will be available for submission by Collaboration
additional Lenders shortly after the initial launch for CFIs.
• Refine and optimize as we gain more volume into the
platform.
Phone: SBA PPP Lender Hotline – +1 (833) 572-0502
Email: SBA PPP Inbox – help@ussbaforgiveness.com
PPP Platform Resources: https://forgiveness.sba.gov
Web: www.SBA.gov
• FAQs
• Policy/Program Guidance & Interim Final Rules
• PPP Applications Forms
• Application Instructions
File and source
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- SBA_Paycheck_Protection_Platform_API_Technical_Information_1-10-21_-_FINAL.pdf
- Size
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- SHA-256
- a006174aee24669f99c4160731d6eb26920664073943d78e31b5d8a3c78f3688
- Original
- www.sba.gov