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SBA Paycheck Protection Program – Loan Forgiveness


Clear Mountain Bank SBA Loan Forgiveness


Don’t Delay so You Don’t Have to Pay.

Clear Mountain Bank is here to assist you with the loan forgiveness process and documentation requirements needed to apply for forgiveness of your PPP loan. The best path for expedited forgiveness processing of your Clear Mountain Bank PPP loan is through our portal, as it is already preloaded with your information to streamline the process.

The PPP loans you took through us in 2020 and 2021 are NOW ELIGIBLE to be totally or partially forgiven, but you will need to apply for forgiveness through CLEAR MOUNTAIN BANK’S LOAN FORGIVENESS PORTAL. It is especially important for those who received a PPP loan through us in 2020 to apply for forgiveness IMMEDIATELY as your no-payment period is coming to an end. This is imperative to minimize the chance of required loan payments being imposed before the forgiveness application can be processed. Furthermore, most loans that originated in 2021 are eligible for the forgiveness process.

We are very proud to have originated more than 1300 PPP loans to small businesses in the various rounds that ran during 2021 and into 2021. We were among the first banks in the country to help our bank and non-bank customers during this very difficult time. We are equally committed to working closely with each of our borrowers to process forgiveness applications through our loan forgiveness portal. 

Below is documentation requirements you will need before you click the button to enter the portal.

• SBA loan number
• Date loan closed
• Principle amount received
• Exact name and TIN used on the PPP application

* All of this information can be found on the loan documents you received last year.

If you need assistance, please call your lender, the branch manager at your favorite branch or call us at 304-379-2265 and indicate you need help with a PPP Forgiveness Application.
As you enter the Forgiveness Portal at the link below, please use the 3508-S Form. The new 3508-S is the “simple” form and is the easiest to use.

If you have any issues with your login, please contact your Clear Mountain Bank lender or email

Please take note of these special points about Portal Users:

  • NOTE: We suggest using internet browsers Edge or Chrome for the best experience.
  • Multiple individuals can create their own individual portal login for the same company, and share access to the forgiveness application.
  • One individual can access forgiveness applications for multiple loans. Follow the steps below for each loan and be sure to use the same email and password every time. You will then be able to toggle between different loans.
Step 1:

CLICK HERE to access the Clear Mountain Bank Forgiveness Portal:

(We recommend the use of Edge or Chrome web browser)
To enter the portal, click on the “Begin Forgiveness” button under the “Register and Apply for PPP Loan” heading.

Step 2: Enter the Company Tax ID number or Social Security number of Sole Proprietors into the EIN or SSN box.
Step 3: Enter the SBA Loan Number (with no dashes) into the SBA Loan Number box. You can find the loan number at the bottom of page 4 of your loan Note document. This number will also be emailed to the primary signer on the loan documents.
Step 4: Click on “Find Your Loan” and verify it by selecting the correct loan amount.
Step 5: Complete your login by entering an email address and password.
(If you are accessing multiple loans, use the same email and password.)
Step 6: Choose the forgiveness app 3508-S as it is short and easy!

If you have questions, please use the secure communication function built into the portal to communicate with your Clear Mountain Bank forgiveness reviewer. If you have more general questions or if you have any issues logging in, please contact your Clear Mountain Bank lender or email

Additional Resources

We have added the following sections for your reference.

Contact and support information

Please contact your Clear Mountain Bank lender or branch manager or email us at You can also reach us by phone at 304-379-2265.

SBA & Treasury Guidance

Paycheck Protection Program Flexibility Act

SBA, in consultation with Treasury, will promptly issue rules and guidance, a modified borrower application form, and a modified loan forgiveness application implementing these legislative amendments to the PPP.  These modifications will implement the following important changes:

Extend the covered period for loan forgiveness from eight weeks after the date of loan disbursement to 24 weeks after the date of loan disbursement, providing substantially greater flexibility for borrowers to qualify for loan forgiveness.  Borrowers who have already received PPP loans retain the option to use an eight-week covered period.

  • Lower the requirements that 75 percent of a borrower’s loan proceeds must be used for payroll costs and that 75 percent of the loan forgiveness amount must have been spent on payroll costs during the 24-week loan forgiveness covered period to 60 percent for each of these requirements. If a borrower uses less than 60 percent of the loan amount for payroll costs during the forgiveness covered period, the borrower will continue to be eligible for partial loan forgiveness, subject to at least 60 percent of the loan forgiveness amount having been used for payroll costs.
  • Provide a safe harbor from reductions in loan forgiveness based on reductions in full-time equivalent employees for borrowers that are unable to return to the same level of business activity the business was operating at before February 15, 2020, due to compliance with requirements or guidance issued between March 1, 2020 and December 31, 2020 by the Secretary of Health and Human Services, the Director of the Centers for Disease Control and Prevention, or the Occupational Safety and Health Administration, related to worker or customer safety requirements related to COVID–19.
  • Provide a safe harbor from reductions in loan forgiveness based on reductions in full-time equivalent employees, to provide protections for borrowers that are both unable to rehire individuals who were employees of the borrower on February 15, 2020, and unable to hire similarly qualified employees for unfilled positions by December 31, 2020.
  • Increase to five years the maturity of PPP loans that are approved by SBA (based on the date SBA assigns a loan number) on or after June 5, 2020.
  • Extend the deferral period for borrower payments of principal, interest, and fees on PPP loans to the date that SBA remits the borrower’s loan forgiveness amount to the lender (or, if the borrower does not apply for loan forgiveness, 10 months after the end of the borrower’s loan forgiveness covered period).
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