Act Quickly, Program Funds Are Capped.

Our Premier Loan Expediting Service for “PPP” loans is 100% free to you.

The Paycheck Protection Program, under the CARES Act, has been put in place to help United States small businesses, by providing 100% federally guaranteed loans to small businesses, which may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward.

What are people saying about Frontier Specialty Finance?

"Like most small business owners in the United States our company has suffered a severe revenue downturn due to the Corona Virus and we’ve had an urgent need for Payroll Protection Program money. We decided to apply for the program using Frontier Specialty Finance. Their site made the application process as easy as possible and through their partnership with Greater Nevada Credit Union we’ve been able to secure the Payroll Protection Program money we needed. What’s been remarkable to me is the personal interactions I’ve had with both Frontier Specialty Finance and Greater Nevada Credit Union. I was able to get prompt responses to emails and other requests each step of the way. I’ve even had my phone calls answered! Overall this has been a great experience and I encourage others to kick off their quests for Payroll Protection Program money by starting with Frontier Specialty Finance."

Brian Favro

Founder, Labyrinth Learning

Trusted. Fast. Secure.

At Frontier Specialty Finance, we are doing everything we can to help small businesses get the assistance they need – FAST

1Submit Application & Required DocumentationSubmit Application & Required Documentation
2Secure Funds on Approved Loans within 24-48 HoursFrontier Web
3Finalize Loan & Disburse FundsFinalize Loan & Disburse Funds

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Staffed and managed with professionals with over 100+ years in experience in consumer and corporate finance.

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We help accelerate the application process to get you to the front of the line

Paycheck Protection Program Overview

Under the Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, $350 billion dollars have been allocated to help small businesses keep workers paid & employed amid the pandemic and economic downturn.

The initiative, known as the Paycheck Protection Program, or "PPP", provides 100% federally guaranteed loans to small businesses, which may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward, with at least 75% of the amount used for payroll.

No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees, this includes our premier loan expediting service for “PPP” loans, which is 100% free to you.

Who is eligible?

Small businesses with 500 or fewer employees – including nonprofits, veterans organizations, tribal concerns, self-employed individuals, sole proprietorships, and independent contractors – are eligible.

Businesses with more than 500 employees are eligible in certain industries.

When to apply

We encourage you to apply asquickly as you can becausethere is a funding cap.

Apply Now

Illustrations logo

Starting April 3, 2020

Small businesses and sole

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Starting April 10, 2020

Independent contractors
and self-employed individuals


Yes, payroll costs are capped at $100,000 on an annualized basis for each employee.

Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs.

Yes, loan payments will be deferred for 6 months.

No. To qualify for an SBA loan through the PPP program, you should have 500 employees or less per company.

You will need to complete the Paycheck Protection Program loan application, and provide required documentation.

No. The usual SBA requirement that you try to obtain some or all of the loan funds from other sources has been waived for this program.

Although the program is open until June 30, 2020, we encourage you to apply as quickly as you can because there is a funding cap.

Only one per business. If you own multiple businesses, each business (provided they have 500 employees or less) can apply for a separate loan.

You should use the proceeds from these loans on your: Payroll costs, including benefits; Interest on mortgage obligations, incurred before February 15, 2020; Rent, under lease agreements in force before February 15, 2020; and Utilities, for which service began before February 15, 2020.

Payroll costs include: Salary, wages, commissions, or tips (capped at $100,000 on an annualized basis for each employee); Employee benefits including costs for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal; payments required for the provisions of group health care benefits including insurance premiums; and payment of any retirement benefit; State and local taxes assessed on compensation; and For a sole proprietor or independent contractor: wages, commissions, income, or net earnings from self-employment, capped at $100,000 on an annualized basis for each employee.

Loans can be for up to two months of your average monthly payroll costs from the last year plus an additional 25% of that amount. That amount is subject to a $10 million cap. If you are a seasonal or new business, you will use different applicable time periods for your calculation. Payroll costs will be capped at $100,000 annualized for each employee.

You will owe money when your loan is due if you use the loan amount for anything other than payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs. You will also owe money if you do not maintain your staff and payroll.

  • Number of Staff: Your loan forgiveness will be reduced if you decrease your full-time employee headcount.
  • Level of Payroll: Your loan forgiveness will also be reduced if you decrease salaries and wages by more than 25% for any employee that made less than $100,000 annualized in 2019.
  • Re-Hiring: You have until June 30, 2020 to restore your full-time employment and salary levels for any changes made between February 15, 2020 and April 26, 2020.

You can submit a request to the lender that is servicing the loan. The request will include documents that verify the number of full-time equivalent employees and pay rates, as well as the payments on eligible mortgage, lease, and utility obligations. You must certify that the documents are true and that you used the forgiveness amount to keep employees and make eligible mortgage interest, rent, and utility payments. The lender must make a decision on the forgiveness within 60 days.

1.00% fixed rate.

All payments are deferred for 6 months; however, interest will continue to accrue over this period.

Yes. There are no prepayment penalties or fees.

No. There is no personal guarantee requirement. However, if the proceeds are used for fraudulent purposes, the U.S. government will pursue criminal charges against you.

As part of your application, you need to certify in good faith that:

  • Current economic uncertainty makes the loan necessary to support your ongoing operations.
  • The funds will be used to retain workers and maintain payroll or to make mortgage, lease, and utility payments.
  • You have not and will not receive another loan under this program.
  • You will provide to the lender documentation that verifies the number of full-time equivalent employees on payroll and the dollar amounts of payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities for the eight weeks after getting this loan.
  • Loan forgiveness will be provided for the sum of documented payroll costs, covered mortgage interest payments, covered rent payments, and covered utilities. Due to likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs.
  • All the information you provided in your application and in all supporting documents and forms is true and accurate. Knowingly making a false statement to get a loan under this program is punishable by law.
  • You acknowledge that the lender will calculate the eligible loan amount using the tax documents you submitted. You affirm that the tax documents are identical to those you submitted to the IRS. And you also understand, acknowledge, and agree that the lender can share the tax information with the SBA’s authorized representatives, including authorized representatives of the SBA Office of Inspector General, for the purpose of compliance with SBA Loan Program Requirements and all SBA reviews.

Frontier Specialty Finance is NOT the PPP lender and is NOT involved in making the lending decision. We offer our services to assist small business owners in correctly and accurately completing the application process and advising our clients through the loan execution and any follow up on matters related to loan forgiveness and loan extension as our clients may request.