We're in This Together

Small Business Loan Information

We have gathered information to help you with applying for the Paycheck Protection Program (PPP) or the Economic Injury Disaster Loan (EIDL).

View documents provided by Alerus Bank and our association affiliated personal banker Jay Klepinger click the links below.



Jay Klepinger

Senior Business Advisor

Alerus Bank & Trust

1640 S. Stapley Drive, Suite 105
Mesa, AZ 85204

602.598.7953| Direct

480.220.4955| Cell

This email address is being protected from spambots. You need JavaScript enabled to view it.

Frequently Asked Questions:

  1. Where to go as of April 3rd to complete the applications? Ans: A few options. They can reach out to their lender/banker first or I can help assist if they are not getting the attention they need. The PPP application and document checklist are here or the application can be found on sba.gov. The checklist we are providing is the one Alerus Bank is providing their clients.
  2. Are both loans completed on the same site or only with your banker? Ans: The client now must choose between EIDL (Economic Injury Disaster Loan) or PPP (Paycheck Protection Plan). EIDL is direct through sba.gov but PPP Application is through your bank (if approved with the SBA) or an advisor like Jay with Alerus Bank. Jay is willing to help as many as come his way. The amount of applications will be significant so please know that he will do the best in assisting everyone. Please agree to only send one email after completing your application which will include all the documents to support the loan request and the loan calculator with your calculations. Multiple emails will slow down the process for everyone.
  3. How to determine how much to request? Attached is a tool or loan calculator and calculation guidelines Alerus is providing clients to help assist. The amount is determined calculating your monthly payroll over 12 months (tax year 2019) and times by 2.5. The calculator will help guide them. For purposes of calculating “Average Monthly Payroll”, most Applicants will use the average monthly payroll for 2019, excluding costs over $100,000 on an annualized basis for each employee. For seasonal businesses, the Applicant may elect to instead use average monthly payroll for the time period between February 15, 2019 and June 30, 2019, excluding costs over $100,000 on an annualized basis for each employee. For new businesses, average monthly payroll may be calculated using the time period from January 1, 2020 to February 29, 2020, excluding costs over $100,000 on an annualized basis for each employee.
  4. What needs to be added to the application (payroll financials, tax returns including quarterly 941's, P & L, etc). See the attached PPP Checklist. No tax returns, financials, just payroll documents like 940’s, 941’s, etc. to support the payroll costs used to help determine the loan amount.
  5. If you owe taxes from previous years will the PPP application for funds be denied? Ans: At this time this does not preclude someone from applying for PPP. If they are delinquent on any SBA 7a, 504 obligations then yes it would impact them.

County Government Sites containing helpful information concerning COVID-19

Arizona Department of Health Services - https://www.azdhs.gov/preparedness/epidemiology-disease-control/infectious-disease-epidemiology/index.php#novel-coronavirus-home

Apache County - https://www.co.apache.az.us/

Coconino County – https://www.coconino.az.gov/2294/COVID-19-Information

Gila County - https://www.gilacountyaz.gov/news_detail_T5_R469.php

Graham County - https://www.graham.az.gov/

Greenlee County - https://greenlee.az.gov/departments/health-county-services/

La Paz County - https://www.lpchd.com/

Maricopa County - https://www.maricopa.gov/5460/Coronavirus-Disease-2019

Mohave County - https://www.mohavecounty.us/

Navajo County - https://reports.mysidewalk.com/ebaab58e56

Pima County – https://webcms.pima.gov/cms/One.aspx?portalId=169&pageId=527452

Pinal County – https://www.pinalcountyaz.gov/publichealth/Pages/NovelCoronavirus.aspx

Yavapai County – http://www.yavapai.us/chs

Yuma County – https://www.yumacountyaz.gov/government/health-district/divisions/emergency-preparedness-program/coronavirus-2019-covid-19-yuma-county-updates-3651

Centers for Disease Control and Prevention


COVID-19 Auto Repair Updates


Small Business & Individual Resources

Small Business Administration - https://www.sba.gov/funding-programs/disaster-assistance

Arizona Business Financial Support - https://www.azcommerce.com/covid-19/business-financial-support/

Workforce Information - https://www.azcommerce.com/covid-19/workforce/

Individual Resources - https://arizonatogether.org/

Local First Arizona - https://www.localfirstaz.com/covid19

Stimulus Package Information

Small Business Owners & Self-employed - https://fortune.com/2020/03/26/stimulus-package-how-to-unemployment-benefits-small-business-student-loans-self-employed-retirement-coronavirus-bill/

Disaster Loan Assistance - https://disasterloan.sba.gov/ela/Information/EIDLLoans

Arizona Unemployment Information/Updates - https://des.az.gov/services/coronavirus

The IRS and the US Treasury have issued guidance on delaying tax payments due to COVID-19

For those of you who don’t owe taxes, file now to get your refund.

Due to COVID-19, the tax deadline has been moved to July 15. You need to file a return or request a filing extension by April 15. No other filing is necessary for payment extensions. To keep up with the latest information visit: https://www.irs.gov/coronavirus

Arizona Unemployment Information/Updates

What you need to know about unemployment insurance during COVID19

Arizona Department of Economic Security - https://des.az.gov/services/coronavirus

NAPA Auto Care

PO Box 81517, Phoenix, AZ 85069 | (602) 910-0081

PO Box 81517, Phoenix

AZ 85069 | (602) 910-0081