Lara P.

I had originally applied for a PPP loan through Lendio by the original June 30th deadline. They referred me to Kabbage to continue my loan application through them instead. I struggled to complete my application because the website kept crashing and giving an error message. After talking with a rep, they had to reset the application completely. I applied all over again, only to get the error and crash message again. I waited a few days, tried one more time, and it finally went through. Then, they kept sending automated emails for me to upload additional documents, that they didn't initially request when I had applied. They kept asking for a schedule C, which my business doesn't have. After emailing and getting no response whatsoever, and calling and waiting only to get hung up on, I finally talked to someone, who told me they would have to change my business structure on my application on their end, and told me one more additional document that I should upload. I uploaded it that day. About a week later, I get an automated response that they've closed PPP applications and mine didn't go through. I called to ask why, and they said I never uploaded my schedule C. I told the rep that my business doesn't have one, that they're asking for the wrong document, and I had uploaded the correct ones and was waiting for them to change my business to a corporation structure so it could be processed. But it was too late. This cost me thousands of dollars of forgivable loans that I could absolutely have used for payroll. They were utterly negligent and very hard to reach through the entire application process, which took over a month. If I would have known this from the beginning, I would have applied through another lender.