Two employees from Gusto customer American Canning

Loan forgiveness for small businesses

Apply now for the Paycheck Protection Program (PPP) loan.

Two employees from Gusto customer American Canning

We've partnered with lenders available to help any small business apply for funds and get back on track. You don't need to be a customer to get a 100% forgivable loan.

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What is the Paycheck Protection Program?

As part of the government CARES Act, the Paycheck Protection Program was created to help small businesses navigate COVID-19 by offering forgivable loans. As long as the loan is put only towards eligible payroll and business expenses, it does not need to be repaid.

Get 2.5x your monthly payroll, up to $10 million

Follow rules to get loan forgiveness after eight weeks

Cover paychecks for re-hired employees

Apply now before funds run out.

It’s important to apply as soon as possible. Applications begin on April 3rd for small businesses and April 10th for sole proprietors and contractors.


Review rules and eligibility.

Almost all small businesses qualify. But your loan will only be forgiven in eight weeks if you make sure:

  • At least 75% covers payroll costs (including benefits)
  • No more than 25% covers existing rent, utilities, and mortgage interest
  • Headcount or wages haven’t been reduced as a result of COVID-19

Gather your payroll information.

You’ll need documentation that proves your average monthly payroll.

Gusto customers can fast-track this process. Sign in to calculate your total loan and download your payroll report.

Sign in to your Gusto account

Apply through a lender.

The government requires you to apply for this loan through an approved lender.

We’ve partnered with lenders ready and able to serve your business so you can get started now.

Enter your email to find a lender

Questions? Here’s a breakdown.

Apply now

These funds won’t last. Connect with a trusted lender to get the money your business needs now.