Curve Dental has partnered with Cross River Bank and Kabbage to deliver an alternative to big banks for Curve customers to apply for the Paycheck Protection Program (PPP) during the COVID-19 crisis. 

Complete These Steps                                                                                                                            

1. Get started. Apply here.

2. Existing Small Business  Administration Loans may be eligible for six months of relief, whereas the United States Treasury will pay the full principal and interest to the banking institution directly on your behalf. If applicable, contact the loan servicer for your SBA loan and request information related to this relief. Be sure to do this before your next scheduled payment. Educate yourself on SBA Options here.

3. Watch "How to Navigate the CARES Act Webinar" with Gavin Shea, SVP/National Director, Healthcare for Wells Fargo, to learn more about assessing your current situation and how to navigate your financial options. View here.


1. What if I’ve already applied for a loan?

Even if you’ve submitted an application at another bank, if the loan hasn’t been underwritten, you can take advantage of this program. Be advised, multiple applications can create a red flag for fraud so make sure that your current bank has not already submitted your application.

2. How is this different from a PPP loan through my local bank?

Cross River Bank/Kabbage offers a fully integrated online application, underwriting approval, and funding process that is 100% electronically enabled. In other words, it’s fast. They can expedite the fund flow with a better chance of getting approved before the funds are depleted.

3. When does my application need to be completed?

The sooner the better. Although the program is open until June 30, 2020, the U.S. Treasury is encouraging you to apply as quickly as possible due to the funding cap and to allow lenders time to process your loan. You will need to complete the PPP loan application and submit the application with the required documentation to an approved lender that is available to process your application before that date.

4. Are loan terms the same for everybody?

Not everyone will have the same loan, but here are the terms in a nutshell:
The loan amounts will be forgiven as long as: the loan proceeds are used to cover payroll costs, and most mortgage interest, rent, and utility costs over the 8-week period after the loan is made; and employee and compensation levels are maintained.

  • Payroll costs are capped at $100,000 on an annualized basis for each employee. Due to the likely high subscription, it is anticipated that not more than 25% of the forgiven amount may be for non-payroll costs.
  • Loan payments will be deferred for 6 months.
  • What happens once my application is submitted?
  • Once your application is submitted it will flow into a queue. If anything is missing from your application you will be notified.

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