SBA Announces Opening of Paycheck Protection Program Direct Forgiveness Portal

u s small business administration



Release Date: July 29, 2021

Release Number: 21-07


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SBA Announces Opening of Paycheck Protection Program Direct Forgiveness Portal

New portal will streamline applications for loans $150K or less for small businesses in Kansas starting Aug. 4th

WASHINGTON – The U.S. Small Business Administration is launching a streamlined application portal to allow borrowers with Paycheck Protection Program (PPP) loans of $150,000 or less through participating lenders to apply for forgiveness directly through the SBA.    

“In Region VII (KS, MO, IA, NE) there are 867 lenders already signed up to use the new forgiveness portal and they completed 216,938 PPP loans under $150,000, representing over $4.6 billion dollars of PPP loans.  The opening on this portal allows a simpler method for borrower and lender to meet the need of the business, lender and the agency,” said Region 7 Acting Administrator Leon Milobar. 

This new change will help rush relief to over 6.5 million smallest of small businesses nationally, which has been the priority of SBA Administrator Isabel Guzman since day one.

The new forgiveness platform will begin accepting applications from borrowers on August 4th, 2021.  Lenders are required to opt-in to this program through

Area lender weighed in on why they are opting to use the new Forgiveness portal.

Leslie Anderson, CEO of i3 Bank in Bennington, NE, said “We think it provides an easier and quicker route for our customers.”’

“Chisholm Trail State Bank has opted-in to the SBA PPP Forgiveness Portal to allow our customer’s a streamline service to file forgiveness on loans of $150,000 and less.   As always, our customers can contact us for any questions or help they need during the forgiveness process,” said Cuy Mauck, President & CEO of Chisholm Trail State Bank in Wichita, KS.

In addition to the technology platform, the SBA is standing up a PPP customer service team to answer questions and directly assist borrowers with their forgiveness applications.  Borrowers that need assistance or have questions should call (877) 552-2692, Monday – Friday, 8 a.m. - 8 p.m. EST.

“This initiative will allow PPP borrowers to put their concerns of achieving full forgiveness behind them and focus on operating and growing their businesses again,” said Patrick Kelley, Associate Administrator for SBA’s Office of Capital Access. “We are pleased to be able to assist financial institutions across the U.S. in processing forgiveness applications for small business owners.”   

 Paycheck Protection Program Summary

  • Overall, the SBA and lenders have worked to originate over 11.7 million loans totaling nearly $800 billion in relief to over 8.5 million small businesses.

In 2021:

  • SBA approved over 6.5M loans totaling over $275B
  • The average loan size was ~$42 thousand (compared to $101 thousand in 2020)
  • 96% of loans went to businesses with fewer than 20 employees (compared to just 87% in 2020.)
  • 32% of loans went to businesses in LMI communities (compared to just 24% in 2020)

Direct Forgiveness Summary

  • Over 600 banks have opted into direct forgiveness, enabling over 2.17mm borrowers to apply through the portal (This represents 30% of loans $150,000 or less that have not yet submitted for forgiveness)

Established by the CARES Act in 2020, the PPP was among the first COVID-19 small business economic aid programs. It provided more than $798 billion in economic relief to small businesses and nonprofits across the nation, keeping employees working, and helping businesses come back stronger than ever.   

Other programs include Economic Injury Disaster Loan (EIDL), EIDL Advance, Targeted EIDL Advance, Supplemental EIDL Advance, Restaurant Revitalization Fund, Shuttered Venue Operators Grant, and SBA Debt Relief program. To learn more about these programs, please visit    


About the U.S. Small Business Administration

The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow or expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit

Rural Opportunity Zone

Phillips County has opted into the ROZ 2021 Program

The Kansas Rural Opportunity Zones (ROZ) is a Kansas Department of Commerce program established in 2011. Through the ROZ Program, qualified individuals who move to a ROZ county are eligible to receive up to two financial incentives. One incentive is a waiver for an individual’s Kansas state income tax liability for up to five years (sunsets 2021), and the other incentive is student loan repayments up to $15,000 paid over 5 years. In the state of Kansas, there are 95 ROZ counties offering one or both of the financial incentives to new full-time residents of the area. Phillips County is the number 1 participating Kansas County in the ROZ Program, offering both financial incentive programs to local residents since 2012.

How is it funded?

The ROZ program is funded through a 50/50 match between the Kansas Department of Commerce and the participating ROZ County. Local funding for this opportunity in Phillips County has been made possible by a partnership between PCED, the Cole Charitable Foundation and the Morgan Charitable Foundation. With this partnership, Phillips County has been able to provide this valuable incentive program to recruit educated residents to live and work in our community. The generous support of this partnership allows Phillips County to continue to clear the wait-list of participants who qualified to take part in the program each year.

Who is eligible?

Student Loan Repayment Program

The ROZ Student Loan Repayment program is designed to help recruit college graduates back to the area; growing our workforce and developing our community. The Student Loan Repayment program provides financial assistance to help repay student loans to those students who left for an education and returned to Phillips County. Qualified participants can receive loan repayments up to $15,000 paid over 5 years.

To be eligible for Student Loan Repayments, individuals must:

  • Establish domicile* in a ROZ County after July 1, 2011 and on or after the date on which the County opts-in to the student loan program

  • Hold an associate's, bachelor's or post-graduate degree prior to moving to the ROZ County

  • Have an outstanding student loan balance in applicant’s name

  • Ability to provide proof of: residency at current and previous addresses, transcript with degree date, and student loan balance with distribution dates

  • Have a Sponsor, Counties and Employers can sponsor applicants in this program. the Applicant must have a sponsor to receive funding

Applications for Student Loan Repayment are accepted from January 1st through September 30th.

Kansas Income Tax Waiver Program (sunsets 2023)

The ROZ program also provides the Kansas Income Tax Waiver, which is an incentive to help recruit those who have left Kansas for five or more years to return to Phillips County. This incentive is a waiver for an individual’s Kansas state income tax liability for up to five years.

To be eligible for Kansas Income Tax Waivers, individuals must have:

  • Established domicile in a ROZ county on or after the date the county became part of the program (Please note that these dates vary by county.)

  • Lived outside Kansas for five or more years immediately prior to establishing domicile in a ROZ county

  • Earned less than $10,000 in Kansas Source Income in each of the five years immediately prior to establishing domicile in a ROZ county

  • To receive the income tax waiver you must file your state taxes on the Kansas Department of Revenue website

How do I find out more information or apply to participate?

For more information about the ROZ program: Visit Website 
Or contact: Rachéll Rowand, ROZ Program Manager
                   Kansas Department of Commerce
                  (785) 296-3345

City of Phillipsburg Selected as a Spring 2021 Cost Share Project Recipient

The City of Phillipsburg was recently selected as a recipient of the Kansas Department of Transportation's Spring 2021 Cost Share Program.  Watch the attached video to see the list of awardees, and a portion of an interview with Director of Public Works, Tim Driggs.

Phillips County CDBG-CV Business Grant Application

Phillips County CDBG-CV (Coronavirus Aid, Relief, and Economic Security (CARES) Act)

Phillips County has received a Community Development Block Grant to help local for-profit businesses retain jobs for low-to-moderate income people. CV funding can assist these businesses with issues triggered by the Covid-19 virus and when no other funds are available. 

Phillips County will begin accepting applications from Phillips County businesses located outside of the Phillipsburg City limits beginning July 1, 2020. Applications will be accepted until August 14, 2020. Any business located within the Phillipsburg City limits that wishes to apply for funds, must do so through the Phillipsburg City Office.

The Phillips County application can be found on the link below, County Website: or requested by contacting; or phone (785) 543-5809

Paper copies of the application can also be picked up at the PCED office located at 205 F Street in Phillipsburg or at the Phillips County Clerk's office located at 301 State Street Phillipsburg, KS. 

Applications will be processed first come-first served. Applications should be completed and dropped off at the PCED office during business hours (9:00am - 12:00pm & 1:00pm - 5:00pm, Monday - Friday) Applications will be dated and time stamped. 

Our CDBG Grant Administrator will review applications for completeness and eligibility. After that, the Phillips County Commissioners will award funds based on review of demonstrated need. Businesses will be notified in writing of the outcome.

CDBG-CV Business Application


To be eligible you must be a for-profit business located in Phillips County outside of Phillipsburg City limits, in existence as of March 1, 2020, that has been impacted by COVID-19 and is retaining jobs for low to moderate-income individuals. 51% or more of these retained employees must be at 80% low to moderate income (LMI) or lower for the business to qualify. 

  • All employees that are at risk of not being retained by the employer must complete the LMI worksheet.
  • For the business to be eligible, 51% or more of these retained employees must qualify as an LMI employee.
  • Example: If a business has 10 employee, but 5 of these employees are not as risk on losing their jobs, then these employees are considered base employees. However, if the remaining 5 employees could potentially be at risk of losing their jobs, then these are considered retained employees. All retained employees must fill out the LMI worksheet which is based on total household income. (There is a form instruction sheet included in the application explaining how to fill out the LMI worksheet.)
  • Businesses must submit the application and all required supporting documentation to be eligible. 

CDBG-CV grants can be used for:

  • 60 days worth of working capital such as wages, utilities, rent, etc. Costs can be reimbursed back to March 1, 2020. (NOTE: Funds cannot be used for existing debt.)
  • The purchase of 60 days' worth of inventory needed to reopen (60days will begin on the day the business is allowed to open)

Businesses will be required to attach documentation that matches or exceeds the amount of funds you are applying for (Invoices, bills, receipts, or other materials documenting expenditures).

A business cannot apply for any CV funding that duplicates the "activity" from alternative sources. A list of these sources are included in the application. 

Census Day - April 1, 2020. What you need to know.

WHAT IS THE DECENNIAL CENSUS? Every 10 years, the federal government conducts a population count of everyone in the United States. Data from the census provide the basis for distributing more than $675 billion in federal funds annually to communities across the country to support vital programs—impacting housing, education, transportation, employment, health care, and public policy. They also are used to redraw the boundaries of congressional and state legislative districts and accurately determine the number of congressional seats each state has in the U.S. House of Representatives.

WHY IS IT IMPORTANT TO ME? Responding to the census is not only your civic duty; it also affects the amount of funding your community receives, how your community plans for the future, and your representation in government. Specifically, data from the 2020 Census are used to: • Ensure public services and funding for schools, hospitals, and fire departments. • Plan new homes and businesses and improve neighborhoods. • Determine how many seats your state is allocated in the House of Representatives.

WHEN WILL I COMPLETE THE CENSUS? The next census will take place in 2020. Beginning in midMarch, people will receive a notice in the mail to complete the 2020 Census. Once you receive it, you can respond online. In May, the U.S. Census Bureau will begin following up in person with households that haven’t responded to the census.

HOW CAN I RESPOND? In 2020, for the first time ever, the U.S. Census Bureau will accept responses online, but you can still respond by phone or mail if you prefer. Responding should take less time than it takes to finish your morning coffee.

WHAT INFORMATION WILL BE REQUESTED? The decennial census will collect basic information about the people living in your household. When completing the census, you should count everyone who is living in your household on April 1, 2020.

WHAT INFORMATION WILL NOT BE REQUESTED? The Census Bureau will never ask for: • Social Security numbers. • Bank or credit card account numbers. • Money or donations. • Anything on behalf of a political party.

WILL MY INFORMATION BE KEPT CONFIDENTIAL? Strict federal law protects your census responses. It is against the law for any Census Bureau employee to disclose or publish any census information that identifies an individual. Census Bureau employees take a lifelong pledge of confidentiality to handle data responsibly and keep respondents’ information private. The penalty for wrongful disclosure is a fine of up to $250,000 or imprisonment for up to 5 years, or both. No law enforcement agency (not the DHS, ICE, FBI, or CIA) can access or use your personal information at any time. Data collected can only be used for statistical purposes that help inform important decisions, including how much federal funding your community receives. The Census Bureau has a robust cybersecurity program that incorporates industry best practices and federal security standards for encrypting data.

WHERE CAN I GO TO LEARN MORE? You can learn more about the 2020 Census by visiting 

New Phillips County Website

Welcome to the new Phillips County Website. Here are a few new features you might be interested in:

Department Pages: All new Phillips County department pages with up-to-date information and contact information for each department head. 

County Calendar: All county events located on one easy to use calendar. 

Minutes & Agendas: You can view minutes and agendas for all county entities: Commissioners, CVB, Economic Development, & the Phillips County Health Systems.

FAQs: Frequently asked questions page so you can easily access commonly asked questions regarding each county department.

Report a Concern: You are now able to report a concern in our new 311 system. You will be able to make an account, enter in the information about your request and enter the location of the issue. The concern will then be routed to the corresponding county department and you can manage your account and see the progress of your request. 

Community Alert: You can now sign up for Phillips County alerts using the existing Phillips County Emergency Management alert system. If you are already a member please login and update your contact information. Make sure you have your preferred groups selected for what types of notifications you would like to receive.

Jobs: We have a jobs board for local positions in the community as well as a job opening form for employers to post a job position. This a free service for the businesses of our community. 

Tourism: The new Tourism page includes a variety of Phillips County information including: upcoming events, accommodations, attractions, history of Phillips County, hunting & fishing resources, travel resources and much more.

Economic Development: The new Economic Development page includes an abundance of information including: funding programs, business resources, commercial real estate, demographics, jobs board, and much more. 

We hope you enjoy the newly designed Phillips County website!

Commercial Revitalization Program

PCED’s Commercial Revitalization Program has developed into an impactful program utilized by multiple Phillips County business owners. Since its release, PCED has provided financial assistance to five local businesses with additional projects currently in progress. The CRP program was created to provide assistance to Phillips County business owners for the rehabilitation to the facade of their business location. Qualified projects can include signage, awnings, windows & doors, and exterior renovation. Once candidates are approved and the work is completed, candidates will be awarded a dollar-for-dollar match towards the cost of their CRP project with a maximum reimbursement award of $5,000 project. This might be the additional financial support you, as a local business owner, may need to kick start your storefront improvement project.

PCED is currently taking applications for the 2020 funding year. To fill out an application please visit: Commercial Revitalization Program

Take a look at the successful CRP projects in Phillips County. 

743 3rd Street

Complete storefront remodel

Olliff & Boeve Furniture

Installed bronze windows and doors

Dubs Liquor

Installed bronze windows and doors

Cotten Collision Inc.

Painted exterior, installed new doors and overhead doors

Coomes Inc

Installed LED sign


General Information
Executive Director
Caleb Breon
Administrative Assistant
Phone Numbers
(785) 543-5809
Emergencies: Dial 911
205 F St.
Suite 165

8:00am - 5:00pm
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