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COVID-19 Relief Law - PPP Lenders Requiring No Prior Relationship

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Coronavirus Aid, Relief and Economic Security Act ("CARES Act") authorized the EIDL and PPP programs, the following is a comprehensive list of all PPP lenders who accept non-existing customers. Please see our prior blog posts to learn more about each program. This list was updated 4/10, and Lenders are subject to change policies

U.S. Bank

Serves: Nation-wide

Status: All businesses can apply but it will accept applications in this order, first: single-owner businesses: sole proprietorships, S-Corps and LLCs then it will later expand to other businesses such as independent contractors, multi-owner business and non-profits.




Serves: Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas. 

Status:Accepting PPP loan applications through its online portal, but has temporarily closed it to process current applications. Does not state you need to be a customer.

Link: https://www.bbvausa.com/special/covid19-small-business.html


Celtic Bank

Serves: Doesn’t state a region requirement.

Status: Accepting PPP loan applications, giving existing customers priority. 



Fifth Third Bank

Serves: Doesn’t specify location

Status: Processing PPP loan applications from current customers. Non-current customers will be processed later in April.

Link: https://www.53.com/content/fifth-third/en/alerts/covid-sba-cares-act.html


First National Bank (of Pennsylvania)

Serves: Pennsylvania, Ohio, Maryland, West Virginia, Virginia, Washington D.C., North Carolina and South Carolina

Status: Processing applications. Open to non-current customers within it’s servable area. Non-current customers must have an in-person appointment with a banker.

Link: https://www.fnb-online.com/landing/covid-relief-programs


First Savings Bank

Serves: South Dakota, New Mexico, Nevada, Nebraska, Texas and Arizona.

Status: Accepting PPP loan applications. Does not state there is a restriction for only current customers.

Link: https://www.firstsavingsbanks.bank/Small-business-resources.htm


Fountainhead SBA

Serves: Doesn’t state a specific region

Status Accepting PPP loan applications from all small business owners 

Link: https://www.fountainheadcc.com/ppp/


CenterState Bank

Serves: Florida, Georgia and Alabama. 

Status: Not yet accepting PPP loan applications. Does not say being an existing customer is required. Will give priority to businesses in under-served and rural markets, veteran-owned businesses, economically disadvantaged owners and businesses that are less than two years old. 

Site: https://www.centerstatebank.com/paycheck-protection-program/


Citizens Bank

Serves: Not region specific

Status: Will start accepting applications soon. Existing customers will be given priority. Non-customer potential applicants should check for updates https://www.citizensbank.com/small-business/paycheck-protection-program.aspx

Link: https://smartasset.com/checking-account/citizens-bank-banking-review


Customers Bank

Serves: Pennsylvania, New York, Rhode Island, Massachusetts, New Hampshire, New Jersey, Illinois and Washington, D.C. 

Status: Will be accepting applications soon, fill out this form to be notified when https://www.customersbank.com/business-banking/sba-guaranteed-lending/disaster-relief/Does not say it will limit to existing customers or prioritize current.


East West Bank

Serves: 125 locations including in California, Georgia, Massachusetts, Nevada, New York, Texas and Washington. 

Status: Accepting applications. Existing business checking account customers will get priority.

Link: https://www.eastwestbank.com/en/small-mid-size-businesses/sba-paycheck-protection-program


Readycap Lending

Serves: Many locations across the US

Status: Taking PPP loan applications. Does not state you must already be a customer.

Link: https://ppp.readycapital.com/


Republic Bank

Serves: Pennsylvania, New Jersey and New York

Status: Taking PPP loan applications from current customers and business owners in Pennsylvania, New Jersey and New York.

Link: https://www.myrepublicbank.com/sba-relief-program-0


Seacoast Commerce Bank

Serves: Nationwide

Status: Partnered with Kabbage, Inc. and is accepting applications from all business owners 

Link: https://sccombank.com/


Stearns Bank

Serves: Minnesota, Florida, and Arizona, 

Status: Currently accepting PPP loan applications, and does not appear to be restricting applicants to existing customers.

Link: https://www.stearnsbank.com/


TCF Bank

Serves: Does not specify region

Status: Accepting applications and not limiting customers

Link: https://commercial.tcfbank.com/sbappp/s/application?bank=TCF&



Serves: Over 25 states and Washington D.C.

Status: Accepting applicants. Does not state you need to be an existing customer.

Link: https://www.key.com/small-business/promo/stimulus.jsp


Metro City Bank

Serves: Georgia, Alabama, Virginia, New Jersey, New York and Texas

Status: Accepting PPP loan applications. No restriction to existing customers. 

Link: https://www.metrocitybank.bank/lending/sba-paycheck-protection-program


Newtek Small Business Finance

Serves: Does not specify region

Status: Taking applications. Does not mention needing to be a current customer.

Link: https://partners.newtekone.com/caresact/business-lending/


Northwest Bank

Serves: Pennsylvania, western New York and eastern Ohio

Status: Currently accepting loan applications. You do not need to be an existing customer but current customers will be given priority.

Link: https://smartasset.com/checking-account/northwest-bank-banking-review-32647


Pacific Western Bank

Serves: California. California, Denver, North Carolina.

Status: Accepting PPP loan applications. Doesn’t state you need to be a current customer.

Link: https://www.pacwest.com/lending-solutions/federal-coronavirus-relief-loans


Peoples Bank

Serves: Ohio, West Virginia and Kentucky

Status: Accepting PPP loan applications both from existing and new customers. Will continue to do so while funds are available. 

Link: https://locations.peoplesbancorp.com/


Quantum National Bank

Serves: Georgia

Status: Does not state that you must be a current customer to apply

Site: https://www.quantumbank.com/CustomContent.aspx?Name=PPP%20vs%20EIDL


United Business Bank

Serves: California, Colorado, New Mexico and Washington

Status: Accepting PPP loan applications from existing business clients and non-customers. 

Link: https://www.unitedbusinessbank.com/loans-credit/business-loans/small-business-loans-sba.html


Wallis Bank

Serves: California, Georgia and Texas.

Status: Accepting applications from all businesses in Texas, Southern California and Atlanta metro areas. 

Link: https://www.wallisbank.com/covid19-resources/

The CARES Act contains multiple means of relief for businesses and self-employed individuals.  We understand how uncertain this time and our firm is prepared to advise you on which program is best suited for your financial situation as well as assist you in the application process for the two programs
Please do not hesitate to contact our firm with any questions, Fazzio Law is in your corner.


Category: COVID-19 Relief Law

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