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Paycheck Protection Program

Loan Forgiveness Information for Farmers 

Here. For Kentucky and Ohio Farmers Impacted By COVID-19.

Whether you live in Northern Kentucky or Greater Cincinnati or operate in another part of Kentucky, Heritage Bank is equipped to make your PPP loan forgiveness application smooth and efficient. PPP funds for new applications have been exhausted. Out-of-market applicants are not required to open an account. 

Loan Forgiveness

Apply for PPP Loan Forgiveness through our convenient online portal.


Instructions on how to complete your forgiveness application can be found at the links below:

SBA 3508 SBA 3508EZ SBA3508S    

  • The PPP loan forgiveness process for loans of $150,000 or less has been streamlined. Loan recipients must document that 60% of loans were applied toward payroll expenses.
  • The newest PPP legislation expands eligible expenses for PPP loans. Mortgage, rental and utility payments are still eligible expenses as well as property damage costs not covered by insurance, specific changes in supplier costs and worker protection expenses.
  • The interest rate on unforgiven loans is 1%.

Important: Consult with your accountant or trusted business advisor about applying for PPP loans.

Contact Joshua Stevens at 859-869-2929 for assistance. 
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