Getting a PPP Loan Without an Existing Banking Relationship or Business Bank Account

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As of April 15, many small businesses are getting turned away because the $359 billion of Paycheck Protection Program (PPP) funding has been exhausted. But that doesn’t mean the program is over! Congress is expected to pass a $484 billion relief package on Thursday, including about $350 billion to replenish the PPP loan program.

Many businesses are having trouble applying for the PPP because they must have had a business checking account before February 15, 2020. However, what if you don’t have a business checking account? Or like me, is with a bank that doesn’t offer the PPP program.

I will offer you a few alternatives. Below is a list of banks and fintech lenders that are accepting applications from new customers.

U.S. Bank

Fill out an inquiry form to start the PPP application process with U.S. Bank. Currently, they are accepting applications from non-customers.


You can apply for a PPP loan on Lendio’s homepage. They are accepting applications from new customers.


Kabbage is still accepting and reviewing PPP loan applications. You can fill out a new customer form on its website.

Blue Vine

Blue Vine is a fintech lender that is currently processing PPP loans. You can access their form on its website.


You can fill out a form on their website to be entered into their processing queue. They will continue you later for income verification.

Harvest Small Business Finance

Harvest is accepting applications from new and existing customers on its website.


Existing PayPal users can apply for the Paycheck Protection Program directly through the company’s website. If you are not an existing user, just create an account.  


If you are an existing QuickBooks or Intuit customer, you can apply for the loan on the Company’s website. If you are not an existing customer, just create an account.

Ready Capital

You can submit a form here to start the application process with Ready Capital.


Similar to PayPal and Quickbooks, Square users are able to apply for the Paycheck Protection Program directly through the company’s website. Non-sellers can sign up for an account on the Company’s website.

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