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Coronavirus (COVID-19): Business Guidance & Loan Resources


Paycheck Protection Program Loans (1/15/2021)

Wayne Bank, Bank of the Finger Lakes, and Bank of Cooperstown are currently accepting PPP applications from our existing customers to continue to support our business community. There are two (2) separate and distinct programs broadly outlined below.

First Draw Applications

If a borrower hadn’t participated in the first PPP Program launched last year, you have the opportunity to participate in this program. You will need to provide the following:

  • Customers should complete an SBA Application Form 2483. Use one of the buttons below.
  • Financial and Payroll Data required by the SBA per the 2483 application instructions.

Online SBA PPP First Draw Application   Securely Submit Supporting SBA Documents


PDF SBA PPP First Draw Application (Submit to a Lender)


PDF SBA PPP First Draw Application for Schedule C Filers using Gross Income (Submit to a Lender)

Second Draw Applications

If a borrower previously received a PPP Loan through Wayne Bank, Bank of the Finger Lakes, or Bank of Cooperstown, you will have an abbreviated application process.

  • Customers should complete an SBA Application Form 2483-SD. Use one of the buttons below.
  • If the loan request is greater than $150,000, you must provide documentation sufficient to demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020;
  • If the loan is $150,000 or less, you will need to provide this same information at the time of forgiveness;
  • If the borrower is designated with a NAICS Code 72 (typically restaurants and hotels) they are permitted to use a 3.5x multiplier of their average monthly payroll costs in determining the maximum loan amount up to $2 million cap.

Online SBA PPP Second Draw Application   Securely Submit Supporting SBA Documents


PDF SBA PPP Second Draw Application (Submit to a Lender)


PDF SBA PPP Second Draw Application for Schedule C Filers using Gross Income (Submit to a Lender)


Loan Forgiveness Applications Under $150,000

Loans Under $150,000 - In light of the recent news from SBA pertaining to loans under $150,000, we will be streamlining the forgiveness process. The SBA has released and updated 3508S Forgiveness form that can be found below.


Online SBA PPP $150,000 or Less 3508S Forgiveness Form


PDF SBA PPP $150,000 or Less 3508S Forgiveness Form (Submit to a Lender)

Loan Forgiveness Applications Over $150,000


PDF SBA PPP 3508 Forgiveness Form (Submit to a Lender)


PDF SBA PPP 3508EZ Forgiveness Form (Submit to a Lender)

Wayne Bank, Bank of the Finger Lakes, and Bank of Cooperstown are ready and able to assist our customers during these challenging times. For customers with an established relationship, please do not hesitate to reach out to your lender for questions.

Additional Contacts

Call 1-800-598-5002 | Meet our Team of Business Lenders | Find a local Wayne Bank Office | Additional Coronavirus Information