Tri Counties Bank Loan Assistance Programs

For customers affected by the Coronavirus crisis.

We understand that small businesses are facing urgent challenges, and we’re here to help. If you need assistance with an existing business loan, line of credit, or business credit cards, please contact your local banker, or call us for 24/7 live banker support at 1-800-922-8742.


90 Day Deferral Program

If your ability to make your current Tri Counties Bank loan or line of credit payment has been affected by the Coronavirus crisis, the deferment program may offer:

  • No payments for the next three monthly statement cycles

  • No late fees during the deferment

  • No adverse credit reporting during the deferment

This program is available for most small business loans and lines of credit, including existing loans backed by the SBA or other government agencies.

For business loans of $250,000 or more, see Commercial Loan Programs.

You must apply for the deferment by contacting your local branch or by calling us 24/7 at 1-800-922-8742. Your payments must be current in order to be eligible for application to the program. You will also be asked to sign a change in terms letter, which explains the changes to your loan or line of credit. You may also qualify for additional loan changes following this 90 day deferral period.


SBA CARES Act Paycheck Protection Program

The SBA Paycheck Protection Program (PPP) was created to help small businesses keep workers employed during the COVID-19 crisis. As a Small Business Administration (SBA) Preferred Lender, Tri Counties Bank was able to provide PPP loans to small business customers throughout California.

Tri Counties Bank is no longer accepting new PPP loan applications. If you have questions about your current PPP loan application already in progress, please contact your local banker or call 1-800-982-2660.

Latest PPP Updates from the SBA

Coming Soon: PPP Loan Forgiveness Online Application

PPP lenders, such as Tri Counties Bank, are awaiting final guidance from the SBA on the loan forgiveness process. Therefore, the SBA recommends that PPP borrowers do not complete loan forgiveness applications at this time. PPP loan payments are currently deferred for all customers, including principal and interest.

We expect to begin accepting loan forgiveness applications within the coming weeks. Please note that PPP loan forgiveness applications will only be accepted through our online application system. This will ensure more timely processing of loan forgiveness requests.

Current Tri Counties Bank PPP Loan Customers: You will be sent an invitation to apply with a link to the online application portal. Invitations will be sent via email and USPS mail.

Note: The PPP loan forgiveness period (time in which qualified expenses can be spent) was extended from eight weeks to 24 weeks from loan funding date. Click here to read more information from the SBA.

Loan Forgiveness Required Documents

We have provided links below to the SBA’s loan forgiveness application instructions for reference as you prepare your supporting loan forgiveness documentation. Please note you will be required to apply for loan forgiveness through our online application portal.

SBA's Standard Forgiveness Application

SBA's Forgiveness Form 3508EZ*

*Form 3508EZ applies to borrowers who meet any one of these three criteria:

  • Applied for the PPP loan as self-employed, an independent contractor or a sole proprietor with no employees.

  • Did not reduce salary or wages for any employee by more than 25%, and did not reduce the number or hours of their employees (excluding laid-off employees who refused an offer to return).

  • Did not reduce salary or wages for any employee by more than 25% during the covered period and experienced reductions in business activity as a result of health directives related to COVID-19.

View Our PPP Loan Forgiveness Webinar.

Tri Counties Bank partnered with Moss Adams, a leading accounting and tax firm, to create a webinar to provide you with expertise and guidance throughout the loan forgiveness process.

Recorded June 4, 2020


Small Business Administration (SBA) Disaster Assistance

Small businesses and private non-profit organizations throughout the state of California may now be eligible for SBA disaster loans. If your business needs financial assistance as a result of the Coronavirus outbreak, please contact your local banker or call 1-800-922-8742.

For more information on SBA Disaster Assistance Loans, visit www.sba.gov/disaster-assistance/coronavirus-covid-19.