How to Appeal a PPP Forgiveness Denial to OHA






How to Appeal a PPP Forgiveness Denial to OHA

How to Appeal a PPP Forgiveness Denial to OHA

So your facing an SBA denial of your PPP loan forgiveness, and you’ve decided that appealing to the Office of Hearings and Appeals (OHA) is your option. Now comes the practical question: how exactly do you file this appeal? What’s the process, what documents do you need, where do you submit them, and what happens after you file? The appeal process has specific procedural requirements and strict deadlines that you absolutely must follow—missing a filing deadline or failing to include required information can result in your appeal being dismissed before it’s even considered on the merits. We’ve seen borrowers who had strong cases on the substance but lost there appeal rights because of procedural mistakes that could have been easily avoided.

The good news is that the OHA appeal process, while formal and rule-bound, is more accessible than federal court litigation. You don’t need to be a lawyer to file an appeal (though having one certainly helps), the filing system is electronic and relatively user-friendly, and the procedures are designed to give borrowers a fair opportunity to present there case. However, “accessible” doesn’t mean “simple”—there are still important technical requirements you need to understand and comply with. This article walks you through the entire process of appealing a PPP forgiveness denial to OHA, step by step, so you know exactly what to do, when to do it, and how to maximize your chances of success.

We’ll cover who’s eligible to file an appeal, the critical 30-day filing deadline and how it’s calculated, the electronic filing system and how to use it, what your appeal petition must include, what supporting documentation you need to submit, what happens after you file, the role of hearings in PPP appeals, what the decision process looks like, and how to handle the outcome whether you win or lose. If your preparing to file an OHA appeal or just trying to understand whether it makes sense in your case, read this entire article carefully—understanding the process before you start is critical to avoiding costly mistakes.

Am I Eligible to File an OHA Appeal?

Not everyone can file an appeal with the Office of Hearings and Appeals, and not every decision related to your PPP loan is appealable. Understanding whether you have standing to appeal and whether the decision your challenging is within OHA’s jurisdiction is the first step—there’s no point spending time preparing an appeal if OHA doesn’t have authority to hear your case.

According to 13 CFR Part 134, Subpart L, OHA has jurisdiction over appeals where the SBA has issued a final loan review decision finding that the borrower is ineligible for PPP loan forgiveness in the amount determined by the lender (either a partial denial) or is ineligible for loan forgiveness entirely (a full denial). This covers most situations where the SBA denies or reduces your forgiveness after reviewing your application. The key requirement is that there must be a final SBA decision—not just a preliminary review or an informal communication, but an official decision letter from the SBA stating there determination about your forgiveness eligibility.

However, there’s a critical limitation: OHA does NOT have jurisdiction over decisions made solely by lenders. If your lender denied your forgiveness application or recommended only partial forgiveness, and the SBA hasn’t issued its own decision yet, you can’t appeal directly to OHA. In that situation, you first need to request that the SBA review your lender’s decision. You do this by submitting a request through your lender within 30 days of the lender’s decision. Once the SBA conducts its review and issues its own decision, then that decision becomes appealable to OHA if it’s adverse to you. This procedural distinction confuses many borrowers—they receive a denial from there lender, try to appeal to OHA, and discover that OHA dismisses the appeal for lack of jurisdiction because the SBA itself hadn’t made a reviewable decision.

Who has standing to file an appeal? The borrower entity—the business that received the PPP loan—can appeal. Individual owners of the borrower entity do NOT have independent standing to appeal. For example, if your LLC received the PPP loan and the SBA denied forgiveness, the LLC is the proper appellant, not you personally (even though you might be the 100% owner). Similarly, your lender cannot appeal on your behalf—lenders don’t have standing to challenge SBA loan review decisions. The appeal must come from the borrower itself.

One practical issue that sometimes arises: what if your business has closed or been dissolved since receiving the loan? You might still be able to appeal if you can show that the entity still exists for purposes of resolving its obligations, or if there are remaining owners or principals who have authority to act on behalf of the defunct entity. This can get complicated depending on your state’s business entity laws, and it’s definitely a situation where legal advice helps.

What’s the Deadline to File My OHA Appeal?

The deadline to file your OHA appeal is 30 calendar days after you receive the SBA’s final loan review decision. This is not 30 business days. This is not 30 days from the date printed on the letter. It’s 30 calendar days from when you actually received the decision. This deadline is absolutely critical—if you miss it, you lose your appeal rights permanently, with very limited exceptions.

How is “receipt” determined? For decisions sent by mail (which is how most are transmitted), receipt is generally presumed to be a few days after the date shown on the decision letter, based on normal mail delivery times. The exact presumption can vary, but it’s typically 3-5 days after the mailing date. However, if you can prove you actually received it on a different date—for example, if the letter is dated January 1 but you didn’t actually receive it until January 8 because you were out of town—you would count from January 8. The burden is on you to prove the actual receipt date if it differs from the presumed date, so keep envelopes showing postmark dates, track certified mail receipts, or document when you actually retrieved mail from your PO box.

For decisions sent electronically (less common but it happens), receipt is the date the email was delivered to your inbox, not necessarily the date you opened or read it. If the SBA sent the decision to your email address on file and it was successfully delivered on January 1, your 30-day deadline starts January 1 even if you didn’t actually open the email until January 10.

Calendar days means you count every day including weekends and holidays. If your 30th day falls on a Saturday, Sunday, or federal holiday, the regulations provide that the deadline extends to the next business day, but don’t count on this—it’s better to file early than to risk miscalculating. The safest approach: as soon as you receive the denial, mark your calendar with the 30-day deadline and set multiple reminders starting at least a week before. Don’t wait until the last minute.

Can the deadline be extended? Only in extremely narrow circumstances. OHA can excuse a late filing if you can demonstrate that the delay was due to circumstances beyond your control AND that you filed as soon as those circumstances were resolved. We’re talking about situations like: you were hospitalized in a coma during the entire 30-day period, or there was a natural disaster that prevented access to the filing system, or the SBA gave you written incorrect information about the deadline that you reasonably relied on. “I was busy,” “I didn’t understand,” “I was trying to gather documents,” or “I was negotiating with the SBA” do NOT excuse late filing. The deadline is harsh, but it’s strictly enforced, and OHA has very limited discretion to grant extensions.

How Do I Actually File My Appeal—What’s the Procedure?

Once you’ve confirmed you’re eligible to appeal and your within the 30-day deadline, here’s the step-by-step procedure for filing your OHA appeal:

Step 1: Go to the SBA appeals portal at appeals.sba.gov. This is the ONLY acceptable method for filing PPP appeals. You cannot mail a paper appeal. You cannot email your appeal to OHA. You cannot file it with your local SBA district office. Appeals filed through any method other than the electronic portal will be rejected and not docketed for processing. Bookmark this URL now: https://appeals.sba.gov

Step 2: Create an account if you haven’t already. If this is your first time using the SBA appeals system, you’ll need to register by creating an account. You’ll provide basic information about yourself and your business—business name, your name as the authorized representative, contact information, email address. Make sure the email address you use is one you check regularly because OHA will send all case notifications to this email. Choose a secure password and keep your login credentials somewhere safe—you’ll need them throughout the appeal process to check status, file additional documents, and receive decisions.

Step 3: Initiate a new appeal. Once logged in, select the option to file a new appeal. The system will ask you to specify the type of appeal—for PPP forgiveness denials, you’ll select something like “PPP Loan Review Decision” or similar language (the exact wording may vary slightly depending on system updates). You’ll be prompted to enter basic information about your loan—loan number, lender name, date of the SBA decision your appealing, the amount at issue.

Step 4: Upload your appeal petition. This is the core of your appeal—the written document that explains why the SBA’s decision is wrong and why you should prevail. More on what this needs to include in the next section, but at this stage, you’ll upload a PDF of your appeal petition. Make sure the document is clearly labeled (something like “PPP Appeal Petition – [Your Business Name]”), properly formatted, and complete. The system may have file size limits, so if your petition is very long or includes images, you might need to compress the PDF or split it into multiple files.

Step 5: Upload supporting documentation. In addition to your written petition, you’ll upload all the supporting documents that prove your case—payroll records, tax filings, bank statements, payment receipts, correspondence with your lender, and anything else that supports your arguments. Organize these documents logically and create a clear index or table of contents showing what each document is. For example: “Exhibit A – Form 941 for Q2 2020,” “Exhibit B – Bank statements showing PPP deposit and expenditures,” etc. The easier you make it for the judge to find and review your evidence, the better.

Step 6: Review and submit. Before hitting the final submit button, carefully review everything—is your petition complete? Did you include all required components? Are all your exhibits uploaded? Is your contact information correct? Once you submit, the system will generate a confirmation showing your appeal has been filed and providing a case number. Save this confirmation—it’s your proof that you filed timely and your reference number for tracking your case.

Step 7: Immediately notify your lender. This is a critical step that many borrowers forget. Under PPP rules, your loan repayment obligation is deferred while your forgiveness application is pending, and the deferment extends during the appeal period as long as you filed timely. However, to ensure your lender extends the deferment and doesn’t start demanding payments, you must provide your lender with a copy of your appeal petition. Send your lender a PDF of your appeal petition along with the filing confirmation from appeals.sba.gov. Send it via email with a read receipt, or via certified mail with return receipt, so you have proof of delivery. Include a cover letter stating: “Pursuant to PPP regulations, enclosed is a copy of the timely appeal filed with the SBA Office of Hearings and Appeals. Please extend the deferment period on this loan until a final decision is issued.” If your lender tries to demand payments during the appeal period after you’ve provided this notice, that’s a violation of the loan terms and you should contact your attorney immediately.

What Must My Appeal Petition Include?

The regulations specify certain required components for your appeal petition. If your petition is missing required elements, OHA might dismiss it or require you to file an amended version (which could raise deadline issues if your close to the 30-day mark). Here’s what you must include:

A copy of the final SBA loan review decision being appealed. Attach the actual denial letter from the SBA as an exhibit to your petition. Make sure it’s the final decision—not a preliminary notification or a letter from your lender, but the official SBA loan review decision. If you received multiple communications from the SBA, include the one that constitutes the final determination about your forgiveness eligibility.

The date you received the SBA decision. State clearly when you received the decision so OHA can verify that your appeal was filed within the 30-day deadline. For example: “Appellant received the SBA’s final loan review decision by mail on January 15, 2025.” If there’s any question about the receipt date (for example, if you’re using a presumed receipt date based on mail delivery rather than actual receipt), explain how you’re calculating it.

A full and specific statement explaining why the SBA decision is erroneous. This is the heart of your appeal. You need to articulate, clearly and with specificity, exactly what the SBA got wrong. Don’t just say “I disagree” or “the decision was unfair”—that’s not sufficient. Instead, identify the specific factual findings or legal conclusions that are erroneous and explain why. For example:

  • “The SBA found that Appellant failed to submit Form 941 for Q2 2020 in support of the forgiveness application. This finding is factually incorrect. As shown in Exhibit C, Form 941 for Q2 2020 was submitted to the lender on August 15, 2020, as part of the forgiveness application package.”
  • “The SBA determined that $30,000 in owner compensation claimed by Appellant exceeded the allowable limit. This determination reflects a miscalculation of the applicable limit. Appellant used a 24-week covered period, which allows owner compensation up to $20,833. However, the SBA appears to have applied the 8-week limit of $15,385, which does not apply to Appellant’s loan.”
  • “The SBA concluded that Appellant’s business was not operational as of February 15, 2020, based on the incorporation date of March 2020. This conclusion overlooks that Appellant operated as a sole proprietorship beginning in January 2019 and only incorporated in March 2020. As shown in Exhibits D-F, Appellant had business income, business expenses, and active customer contracts throughout 2019 and early 2020.”

The specificity matters. The judge needs to understand exactly what error you’re alleging and why it’s an error. General complaints don’t give OHA anything to work with.

All factual information and legal arguments supporting your position. Provide the full factual background the judge needs to understand your case. When did you apply for the loan? When was it funded? What covered period did you use? How did you calculate your forgivable expenses? What documentation did you submit? What was your lender’s recommendation? Why is the SBA’s determination inconsistent with the facts or the law? Present your legal arguments—cite to the applicable statutes, regulations, SBA interim final rules, and guidance that support your interpretation. For example, if the issue involves how to calculate payroll costs for partners in a partnership, cite to the specific provisions of the PPP regulations and the SBA interim final rules addressing partner compensation, and explain why your calculation complies with those provisions.

A clear statement of the relief your seeking. What do you want OHA to order? Typically: “Appellant respectfully requests that the Office of Hearings and Appeals reverse the SBA’s denial and order that Appellant is entitled to forgiveness in the full amount of $[X].” Be specific about the amount your seeking if it’s a partial denial situation.

Your signature and contact information. The petition must be signed by someone with authority to act on behalf of the borrower—typically an owner, partner, member, or authorized officer. Include complete contact information—mailing address, email address, and phone number—so OHA can communicate with you throughout the case.

What Documentation Should I Submit With My Appeal?

Beyond the written petition itself, the strength of your appeal depends heavily on the supporting documentation you provide. OHA will review the entire record—everything you submitted with your original forgiveness application, everything the SBA relied on in making its decision, and everything you now submit with your appeal. Your goal is to provide clear, organized, and compelling documentary evidence that proves your case. Here’s what you should include:

Payroll documentation. If the SBA’s denial relates to payroll costs (which is common), submit comprehensive payroll documentation: your quarterly payroll tax filings (Form 941) covering the covered period, state quarterly wage unemployment insurance reports, payroll registers or summaries showing each pay period during the covered period, proof of payments (cancelled checks, bank debit records, or payroll service reports showing funds were disbursed), and year-end payroll documents like W-2s or W-3 transmittals. For self-employed borrowers without employees, submit your 2019 Schedule C showing net profit, documentation of how you calculated your forgivable compensation, and bank records showing your draws or payments to yourself during the covered period.

Bank statements. Submit complete bank statements for the business accounts that received the PPP funds and from which PPP-related expenses were paid. The SBA wants to trace the money—where it was deposited, where it went, what it was spent on. Highlight or annotate the statements to show PPP deposit, payroll expenditures, rent payments, utility payments, and other eligible expenses. This documentary trail is critical for demonstrating that you actually used the funds for eligible purposes.

Documentation of nonpayroll costs. If you claimed forgiveness for nonpayroll costs like rent, utilities, or mortgage interest, provide: lease agreements or mortgage documents showing the obligation existed before February 15, 2020, invoices or billing statements for the expenses during your covered period, proof of payment (cancelled checks, bank records, or receipts), and business documentation showing the property or utilities were used for business purposes. For mortgage interest, provide an amortization schedule or lender statement showing how much interest was paid during the covered period.

Original forgiveness application materials. Include a copy of your complete forgiveness application (Form 3508, 3508EZ, or 3508S) as you submitted it to your lender, along with all supporting documentation you provided. This establishes what the SBA should have had before them when making there decision.

Correspondence with lender and SBA. Include any relevant communications with your lender or the SBA about your forgiveness application—emails, letters, requests for additional information, your responses, anything that provides context for the decision-making process or shows that you provided documentation the SBA claims you didn’t provide.

Legal authorities. If there are specific SBA interim final rules, procedural notices, FAQs, or other guidance documents that support your position, include copies of those authorities and cite them in your brief. For example, if the SBA misinterpreted an interim final rule about how to calculate payroll costs, include that IFR as an exhibit and explain how the SBA’s interpretation contradicts the plain language.

Organization matters. Create a clear exhibit list or index: Exhibit A, Exhibit B, etc., with descriptions of what each exhibit is. In your petition, reference the exhibits clearly: “As shown in Exhibit C, Appellant submitted Form 941…” This makes it easy for the judge to locate the relevant documents when reviewing your arguments.

What Happens After I File My Appeal?

Once your appeal is filed and docketed by OHA, the case proceeds through a series of stages. Understanding what to expect helps you prepare and reduces anxiety about the process.

Case assignment. Within a few weeks of filing, OHA will assign your case to an administrative law judge (ALJ). You’ll receive a notification from OHA identifying the judge assigned to your case and providing the judge’s contact information (usually an assistant’s email and phone number). The ALJ assigned to your case will be the decision-maker, so this is the person who ultimately determines whether you win or lose.

SBA response. OHA will send a copy of your appeal to the SBA’s Office of General Counsel, who handles appeals on behalf of the agency. The SBA will file a response brief—there argument for why there decision was correct and why your appeal should be denied. The response will address your arguments point by point and might include additional documentation that the SBA relied on in making the initial decision. You’ll receive a copy of the SBA’s response, typically within 30-45 days of your appeal filing.

Your reply. After receiving the SBA’s response, you’ll have an opportunity to file a reply brief—your response to the SBA’s response. This is your chance to counter there arguments, point out weaknesses or errors in there position, and reinforce your own arguments. The reply is optional, but it’s usually advisable to file one because it’s your last word before the judge starts deliberating. Reply briefs are typically shorter than the initial petition—they don’t rehash everything, they focus specifically on addressing the government’s arguments.

Potential hearing. In most PPP appeals, the ALJ decides the case based on the written record—the documents and briefs submitted by both sides. However, the judge has discretion to hold a hearing if they believe oral testimony or argument would be helpful. Hearings might be conducted in person at OHA’s office, by telephone conference, or by video conference. If the judge schedules a hearing, you’ll receive notice with the date, time, and format. At the hearing, you (or your attorney) can present testimony, call witnesses, and make oral arguments. The SBA will do the same. Hearings are more common in cases involving disputed facts (like whether certain employees actually worked for the business) than in cases turning solely on legal interpretation or document review.

Waiting for a decision. After all briefs are filed (and after any hearing if one is held), the case goes into the judge’s deliberation phase. The judge reviews all the evidence, considers the arguments from both sides, researches the applicable law, and drafts a written decision. This deliberation period can take anywhere from a few weeks to several months depending on the complexity of the case and the judge’s caseload. There’s no way to speed this up—you just have to wait. However, you can periodically check the status of your case through the appeals.sba.gov portal, which will show any docket activity.

During the entire appeal period, your loan remains in deferment (assuming you notified your lender of the appeal)—you don’t have to make payments. However, interest continues accruing at 1% annually, so if you ultimately lose the appeal, you’ll owe slightly more than you would have if you’d started repaying immediately after the initial denial.

What Should I Expect in the OHA Decision?

Eventually—typically anywhere from 3 months to a year or more after filing your appeal—the ALJ will issue a written decision. The decision will be posted on the appeals.sba.gov portal and sent to you via email. Here’s what it will contain and what the possible outcomes are:

Findings of fact. The decision will include the judge’s factual findings—what happened, what you submitted, what the SBA found, what the documentary evidence shows. These factual findings are based on the record—the documents and testimony in the case—and represent the judge’s conclusions about what the facts actually are.

Conclusions of law. The decision will explain the legal standards that apply—the statutes, regulations, and SBA guidance governing PPP loan forgiveness—and apply those standards to the facts. The judge will address the specific legal arguments you raised and explain whether the SBA correctly applied the law or made legal errors.

Analysis of the SBA’s decision. The judge will evaluate whether the SBA’s loan review decision was based on “clear error of fact or law.” Remember, this is the legal standard for appeals—you have to prove clear error, not just that a different interpretation was possible. The decision will explain whether the SBA made any clear factual errors (findings contradicted by documentary evidence) or clear legal errors (misinterpretation of regulations or guidance).

The ruling. The decision will conclude with a ruling on your appeal. There are three possible outcomes:

  • Appeal granted (you win): The ALJ finds that the SBA’s decision was based on clear error and reverses the denial. The decision will order the SBA to approve your forgiveness in the amount the judge determines you’re entitled to. This is a binding order—the SBA must implement it and instruct your lender to forgive the specified amount.
  • Appeal denied (you lose): The ALJ finds that the SBA’s decision was not clearly erroneous and upholds the denial. Your forgiveness remains denied, and you have to repay the unforgiven loan balance. At this point, your administrative appeal rights are largely exhausted, though you can request reconsideration (rarely successful) or pursue judicial review in federal court (expensive and difficult).
  • Mixed outcome (partial win): The ALJ finds that the SBA was partially wrong—for example, the SBA denied $100,000 in forgiveness, but the judge finds you’re entitled to $60,000 in forgiveness, leaving $40,000 unforgiven. In this scenario, you’ve improved your situation from the initial denial but didn’t get everything you wanted. You’ll owe repayment on the remaining unforgiven balance.

What If I Disagree With the OHA Decision?

If the ALJ’s decision is unfavorable to you, you have limited options for further review. The OHA decision is the final agency decision in most cases, but there are a couple of additional steps you might consider:

Request for reconsideration. You can file a request for reconsideration with the OHA Director, asking the Director to review the ALJ’s decision. However, reconsideration is granted only in narrow circumstances—if there was a significant legal error, if the ALJ overlooked critical evidence, or if new evidence has become available that wasn’t available during the appeal. Reconsideration requests are rarely successful, but if you believe there was a substantial error in the ALJ’s decision, it’s worth trying since it’s a relatively low-cost option.

Judicial review. After exhausting your administrative remedies at OHA, you can file a lawsuit in federal district court seeking judicial review of the agency’s decision. This would be a civil action under the Administrative Procedure Act (5 U.S.C. § 706) challenging the SBA’s decision as arbitrary, capricious, or contrary to law. However, judicial review is expensive (you’ll need an attorney, and litigation costs can be tens of thousands of dollars), time-consuming (federal civil litigation can take years), and faces a high bar—courts give substantial deference to agency expertise and generally uphold agency decisions unless they’re clearly unreasonable. This option makes sense only in cases involving very large amounts (enough to justify the litigation cost) or novel legal issues with broader implications.

For most borrowers, if you lose at OHA, the practical reality is that you’ll need to focus on repayment options—setting up a payment plan, requesting hardship accommodations, or negotiating an offer in compromise—rather than continuing to fight the underlying denial determination.

Should I Hire an Attorney to Handle My OHA Appeal?

You have the right to represent yourself in an OHA appeal—you don’t legally need an attorney. However, the practical question is whether self-representation is wise given what’s at stake. Here are the factors to consider:

Arguments in favor of hiring an attorney: These cases involve complex federal regulations, SBA guidance documents, and administrative law principles that most business owners aren’t familiar with. An experienced attorney knows what arguments work, what evidence OHA judges find persuasive, and how to present your case most effectively. Attorneys also handle the procedural requirements—filing deadlines, brief formatting, evidence organization, responding to the SBA’s arguments—without you having to figure it out yourself. The SBA will be represented by skilled government attorneys who handle these appeals regularly, so representing yourself means going up against experienced professionals, which puts you at a significant disadvantage. For cases involving large amounts (tens or hundreds of thousands of dollars), the cost of legal representation (typically $5,000-$20,000) is often justified by the significantly improved odds of success.

Arguments for self-representation: If the amount at stake is relatively small, hiring an attorney might not make economic sense—spending $15,000 in legal fees to fight over $20,000 in forgiveness doesn’t pencil out well. If your case is very straightforward—for example, the SBA clearly overlooked a document you submitted, and you can easily prove it—you might not need sophisticated legal help to present that simple argument. Some borrowers are comfortable with legal research and writing and feel capable of handling the process themselves. And if you simply can’t afford an attorney, self-representation is better than not appealing at all.

A middle-ground option: limited scope representation, where an attorney helps with specific parts of the appeal (like drafting the initial petition or advising on strategy) but you handle other parts yourself. This “unbundled” approach reduces costs while still giving you professional guidance on the most critical aspects.

Our recommendation: at minimum, schedule a consultation with an attorney experienced in OHA appeals before deciding whether to hire representation. Most firms (including ours) offer free initial consultations where we’ll review your case, assess your chances of success, and explain what full or limited representation would cost. This consultation gives you the information you need to make an informed decision about whether the expense of representation makes sense for your specific situation.

Talk to a PPP Appeal Attorney Today

Appealing an SBA forgiveness denial to the Office of Hearings and Appeals is a formal legal process with strict procedural requirements, tight deadlines, and high stakes. The difference between a well-prepared appeal and a poorly presented one can literally be tens or hundreds of thousands of dollars—the amount of debt you either get forgiven or have to repay. Given what’s at stake, getting professional guidance makes sense for most borrowers, particularly when large amounts are involved or when the legal and factual issues are complex.

Our firm has extensive experience handling PPP forgiveness appeals at OHA. We understand the regulations inside and out, we know what evidence and arguments OHA judges find persuasive, and we’ve successfully helped numerous borrowers overturn wrongful denials and get the forgiveness there entitled to. We handle all aspects of the appeal—preparing the petition, organizing your documentation, responding to SBA arguments, representing you at hearings, and navigating the entire process from start to finish.

If your facing a PPP forgiveness denial and considering an OHA appeal, contact us today for a free consultation. We’ll review your SBA denial letter, assess the strength of your case, explain the appeal process in detail, and give you an honest evaluation of your chances and what representation would involve. There’s no obligation and no cost for the consultation—but it could be the difference between successfully challenging a wrongful denial and being stuck repaying a loan that should have been forgiven.

Time is critical—you have only 30 days from receiving the SBA’s decision to file your appeal. Don’t wait until the deadline is looming. Call us now to protect your appeal rights and get the professional representation you need to maximize your chances of success.


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