Paycheck Protection Program Resource Center

ECCU is committed to partnering with you in ministry and working diligently to help you accomplish your financial goals. With that goal in mind, we will continue to update this page, as well as, equipping your ECCU Relationship Manager to help answer any questions you may have, as you prepare to apply for the Paycheck Protection Program (PPP).

We are all in a season of uncertainty, with many things changing day by day. The Small Business Administration has been updating rules for lenders, which included program details and additional requirements for lenders. Because of these additional requirements, ECCU is working with Kabbage®, a partner for you to apply with for the Paycheck Protection Program.

Apply for relief funding through the SBA

We've partnered with Kabbage® to help you access critical funds through SBA's Paycheck Protection Program. Apply online for the relief funds your business needs!
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Resources and FAQs

What is the Paycheck Protection Program and how does it affect religious organizations?

ECCU has found the following resources to assist you in learning more about the Paycheck Protection Program and how it affects religious organizations.

Does my organization need to be an ECCU member to apply?

The Paycheck Protection Program application with Kabbage is open to members and non-members. If your organization is not yet an ECCU member and you want to learn more about other banking needs, go to

How should my non-profit organization appropriately answer the percent of ownership question when there is not an “owner?”

May vary for your organization:

  • For the Kabbage application, you may indicate 100% ownership.
  • Please consult your attorney or CPA for your specific organization.

What documents should I submit in the Kabbage application for my non-profit?

  • You should provide detailed payroll documentation by employee and your 990 if you have it. You may need to request this from your payroll vendor if you are not doing payroll in-house.
  • Copy of government ID (front and back)
  • Copy of organization documents (Articles of Incorporation, DBA, etc.)
  • Be sure to save your file as a PDF before submitting.
  • See more information here

How do I calculate my payroll costs?

  • Your payroll costs should include: salaries/wages, retirement benefits, state and local taxes, and vacation earned, group health insurance benefits, including paid sick/parental leave, medical and insurance premiums. For further information, please consult with a licensed Accountant or CPA.
  • Two available resources that can assist you with calculating your payroll costs: Vanderbloemen and U.S. Chamber of Commerce Emergency Loans Small Business Guide

How can the loan be forgiven? What happens if my organization borrows the funds and it wasn’t used for original intent?

  • A borrower is eligible for loan forgiveness equal to the amount the borrower spent on the approved items during the 8-week period beginning on the date of the origination of the loan. Please keep in mind that 75% of the loan must be used on payroll expenses.
  • Please see the U.S. Chamber of Commerce Emergency Loans Small Business Guide for more information.
  • Please see this article from CapinCrouse which provides a framework for analyzing the PPP loan good faith certification requirement.

Check out our latest blog on How can I make sure my organization's paycheck protection program loan is forgiven?

Will ECCU be servicing my Paycheck Protection Program loan?

ECCU has partnered with Kabbage to help organizations with the PPP process. You will be applying directly through Kabbage who will continue to service your PPP application, process and loan. Kabbage will accept the applications in the order they are submitted.

What should I expect in the Kabbage application and funding process?

  • You will be applying directly through Kabbage who will service your PPP application, funding, loan and forgiveness if applicable.
  • Here is a list of items you’ll need to apply.
  • Because this is a loan application, be prepared to answer questions to validate your identity.
  • To receive your funds, you will need to provide information to connect the bank account you want the funds sent to. You can set up a direct deposit using your online banking credentials or your bank account number and routing number.
  • NOTE: ECCU has partnered with Kabbage to help organizations with the PPP process and your application is not linked to your ECCU account(s) except if you set up funding to your ECCU account.

Information current as of 5/06/2020. For complete information on the Paycheck Protection Program go to

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