Sba ppp loan application online
Sba ppp loan application online. : 3245-0407. Lendio is an online lending marketplace with a network of more than 300 SBA-approved financial institutions and online lenders to help small businesses secure financing. Check One: Sole proprietor Partnership C-Corp S-Corp LLC Independent contractor ( Self-employed individual. On this site, you can: On this site, you can: Understand what you need to file a request, reasons for non-disclosure, fees, and response times Apr 25, 2023 · Types of SBA loans you can check with the MySBA Loan Portal include: If you need technical assistance with the portal, you can call MySBA Loan Portal Customer Service at 1-833-572-0502 from 8:00 a. The form and instructions inform borrowers how to apply for forgiveness of their PPP loans, consistent with the Coronavirus Aid, Relief, and Economic Security 1 The Covered Period is either (1) the 24-week (168-day) period beginning on the PPP loan disbursement date, or. Consider using this form if you are not eligible for Form 3508S, and Loan Forgiveness Application Form 3508 Revised July 30, 2021. The loan amounts will be forgiven as long as: • The loan proceeds are used to cover payroll costs, and most mortgage interest, rent, and Apr 4, 2024 · If you need to ask for records under the FOIA, SBA has set up a dedicated site to walk you through the process. May 15, 2020 · WASHINGTON—Today, the Small Business Administration (SBA), in consultation with the Department of the Treasury, released the Paycheck Protection Program (PPP) Loan Forgiveness Application and detailed instructions for the application. The information also facilitates background checks as authorized by section 7(a)(1)(B) of the Small The Paycheck Protection Program (“PPP”) authorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis. Make a payment to SBA; 7(a) loans; 504 loans; Microloans; Lender Match; COVID-19 relief options; Investment capital; Disaster assistance. 31(b)(2)(C) of Small Business Act) Other. Employers that promote vaccination against COVID-19 may be eligible to receive a tax credit. Womply is not involved with PPP forgiveness. Loan Forgiveness Application Revised June 16, 2020. A borrower may use this form only if the borrower received a PPP loan of $150,000 or less. If this application is being submitted for a Second Draw PPP Loan, the Borrower used all First Draw PPP Loan amounts on eligible expenses prior to disbursement of the Second Draw PPP Loan. A few days later, additional lenders will be able to submit First and Second draw PPP loan Nov 1, 2022 · The SBA released a procedural notice on January 27th, 2022 which allows borrowers who (i) received a partial approval decision from their Lender or (ii) were required by their Lender to apply for forgiveness in an amount less than the full amount of the PPP loan, to request, through their Lender, an SBA loan review of the lender’s partial approval decision. The Borrower’s eligibility for loan forgiveness will be evaluated in accordance with the PPP regulations and guidance issued by SBA through the date of this application. If your lender has opted-in you can apply via the SBA’s direct forgiveness portal. Congress designated $137 billion for PPP second draw loans as part of a Dec 29, 2020 · What is the amount of PPP funding you can apply for with a 2nd loan? Those applying for a 2nd loan can ask for funding equal to 2. Find a vaccine provider (Vaccines. The Paycheck Protection Program (PPP) was created by the U. This portal is made available by the US Small Business Administration to streamline forgiveness processing for PPP Borrowers. Aug 9, 2023 · If you have a question regarding an SBA loan or any SBA program, please contact your local SBA District Office or the SBA Answer Desk at answerdesk@sba. SBA Form 3508S. However, Kabbage is only able to process loans of $2 million or less Aug 16, 2023 · 504 Loan A 504 loan is for long-term, fixed-rate financing up to $5. This application has the following components: (1) the PPP Loan Forgiveness Calculation Form; (2) PPP Schedule A; (3) the PPP Schedule A Worksheet; and (4) the (optional) PPP Borrower Demographic Information Form. gov/ppp and Treasury. Only loan proceeds spent on qualified expenses are entitled to forgiveness. g. (2) if the borrower received its PPP loan before June 5, 2020, the borrower may elect to use an eight-week (56-day) Covered Period. gov. 5 times their average monthly payroll. TD Bank processes your application and lends you the funds. To qualify, your business must meet the size standards, have a tangible net worth of less than $15 Microsoft Word - Borrowers agreement revised. One of the ways it does this is by guaranteeing loans to small businesses made through lending partners nationwide. C losed on all federal holidays. The Paycheck Protection Platform allows lenders to submit PPP loan requests and their CAN I APPLY FOR A SECOND PPP LOAN? If you spend the funds from your first PPP loan on eligible expenses according to the SBA guidelines, you may be eligible to apply for a second PPP loan. The information provided in this application and the information provided in all supporting Loans available from $200,000 and up to $5,000,000. Regions Bank is both an SBA Preferred Lender and one of America’s most experienced SBA lenders. If your business falls under NAICS code 72 Aug 11, 2020 · If you were funded prior to June 5, you can still use the 8-week period and Alternative Payroll Covered Period. You’ll either use: Form 3508S. The process may vary given the role of lender intermediaries in the PPP program. C. You (the Borrower) can apply for forgiveness of your Paycheck Protection Program (PPP) loan using this SBA Form 3508EZ if you can check at least one of the three boxes below. PPP borrowers who are not sure if their loan has been forgiven and see other statuses should apply for forgiveness immediately. Mar 7, 2024 · A cross functional team of expert SBA personnel to assist the FRMB design and implement policies and strategies to prevent, detect and address fraud risks enterprise- wide. Lendio facilitated $8 billion in PPP loans in 2020 through CARES Act funding, and now they are ready for round two. Enter Average FTE (Box 2) from PPP Schedule A Worksheet, Table 1: Loan Forgiveness Application Form 3508 Revised July 30, 2021. All Borrowers must submit (1) and (2) to If your loan amount is $150,000 or less, please use SBA Form 3508S. If this amount is more than $8,333. and other titles) – SBA must obtain your taxpayer identification number when you apply for a loan. 19. FederalPay. Step 1: Determine if your business is eligible and ready to apply. The Applicant is eligible to receive a loan under the rules in effect at the time this application is submitted that have been issued by the Small Business Administration (SBA) and the Department of the Treasury (Treasury) implementing the Paycheck Protection Program under Division A, Paycheck Protection Program OMB Control No. SBA is working to streamline the PPP forgiveness application process. You cannot use one form to apply for forgiveness of both a First and Second Draw PPP loan. You’ll want to use the funds for eligible expenses, ensuring that you: Help slow the spread of COVID-19. Fixed rate terms up to 25-year fully amortized. Apr 12, 2024 · Other concerns not involving fraud, waste or abuse involving SBA's programs or operations. Borrower Application Form (SBA Form 2483 or SBA Form 2483-C for First Draw PPP Loans and SBA Form 2483-SD or SBA Form 2483-SD-C for Second Draw PPP Loans). A Borrower that, together with its affiliates, received PPP loans totaling $2 million or greater cannot use this form. Form 3508EZ. Step 4. 5 times monthly payroll costs. *A business may qualify for, both Manage your business. Enter Cash Compensation (Box 1) from PPP Schedule A Worksheet, Table 1: Line 2. , 2Q 2020) : Gross Receipts: $ Reference Quarter (e. 5 million to purchase assets. 0 on line 13 of PPP Schedule A; the FTE Reduction Safe Harbor 2 has been satisfied. The Applicant received a First Draw Paycheck Protection Program Loan and, before the Second Draw Paycheck Protection This portal is made available by the US Small Business Administration to streamline forgiveness processing for PPP Borrowers. , 2Q 2019): Gross Receipts $ Applicant Ownership The SBA offers additional loan resources, disaster relief funding and other benefits. To promote access to capital, initially only community that the borrower is eligible to receive a PPP loan, and that certification means that the borrower is a small business concern as defined in section 3 of the Small Business Act (15 U. Consider using this form if your loan is $150,000 or less. Note that the MySBA Loan Portal Customer Service cannot access your individual loan Some of the information, including your Wells Fargo and SBA loan numbers, will be automatically pre-filled in your Wells Fargo PPP loan forgiveness online application. sba. PPP borrowers are eligible for up to 2. 5B to PPP and allowed for second draws and simplified loan forgiveness. You cannot use one form to apply for forgiveness of both a First Draw PPP Loan and a Second Draw PPP loan. Master day-to-day operations and prepare for success. Jan 5, 2024 · Once logged in, borrowers will see all of their SBA loans, including PPP loans, and the status of each loan. Apr 4, 2024 · For Paycheck Protection Program (PPP) identity theft: After reporting suspected PPP identity theft to SBA, you will typically hear from SBA about next steps within two to three business days, but it may take longer depending on the volume of requests. You can use up to 40% of funds for eligible non-payroll costs. R. For most borrowers, the maximum loan amount of a Second Draw PPP loan is 2. gov for full program details. For loans of $150,000 or less, Applicant will provide documentation substantiating the decline in gross receipts upon or before seeking loan forgiveness for the Second Draw Paycheck Protection Program Loan or upon SBA request. Originally part of the CARES Act in March 2020, the PPP was authorized to distribute over $600 billion in loans to Oct 13, 2020 · PPPローン返済免除に関するよくある質問. For example, if the borrower is using a 24-week Covered Period and received its PPP loan proceeds on . There are different documentation requirements for Form 3508S, Form 3508EZ, and Form 3508. Fact Sheet: Changes to Paycheck Protection Oct 20, 2023 · SBA can provide up to $2 million* to help meet financial obligations and operating expenses that could have been met had the disaster not occurred. 5 times Mar 30, 2020 · Microsoft Word - Borrowers agreement revised. Manage your finances. Review the PPP Loan Forgiveness Application options. Beginning in March 2024, all borrowers applying for forgiveness can use SBA's Direct Forgiveness Portal (DFP). 5 times monthly payroll costs up to $2 Million. Each PPP loan must use a separate loan forgiveness application form. For a full list of all qualified expenses, including new items that were added Mar 12, 2021 · Step 1: Find your 2019 IRS Form 1040 Schedule C line 7 gross income amount. Payments are generally deferred until 10 months after your 8-week or 24 Feb 26, 2024 · Any attempt to charge more than these fees is inappropriate. Does my small business qualify for PPP? If you are a previous PPP borrower, you need 300 employees or less. Updated 05-09-2024. 5x monthly payroll costs for their initial PPP loan, as well as any second draw. This program will provide restaurants with funding equal to their pandemic-related revenue loss up to $10 million per business and no more than $5 million Jul 29, 2021 · FAQ for borrowers and lenders participating in the Paycheck Protection Program. Jul 2, 2020 · According to the CARES Act, small businesses can receive the lesser of $10 million or 2. Do not submit this Checklist with your SBA Form 3508EZ. 10 If this amount is zero or less, you are not eligible for a PPP loan. SBA may direct a lender to disapprove the Borrower’s loan forgiveness application if SBA determines that the Borrower was ineligible for the PPP loan. An SBA loan is partially guaranteed by the Small Business Administration, a government entity dedicated to the growth of small businesses. This will ensure a more accessible process for borrowers, no matter loan size. PPP Schedule A. 632), meets the applicable SBA employee-based or revenue-based size standard, or meets the tests in SBA’s alternative size standard, after applying the Mar 25, 2021 · All PPP borrowers, individually or together with their affiliates, that received PPP loans with an original principal amount of $2 million or greater will need to complete an SBA Form 3509 or 3510 Loan Necessity Questionnaire once the SBA notifies us that your loan is under review. All loan terms will be the same for everyone. via potentially forgivable, government-backed loans. gov) Quick start guide - preparing your workforce for vaccine requirements. Please note: if you are applying for forgiveness of a Second Draw loan of $150,000 or less, you may be required to submit documentation demonstrating your 25% revenue reduction. The information provided in this application and the information provided in all supporting Borrower Application Form (SBA Form 2483 or SBA Form 2483-C for First Draw PPP Loans and SBA Form 2483-SD or SBA Form 2483-SD-C for Second Draw PPP Loans). There are no fees for applying for PPP or forgiveness. Small business guide - strengthening workplace vaccination & safety. Can be used to finance working capital, business acquisition, partner buyout, equipment, refinance existing debt and build, improve or purchase owner-occupied commercial real estate. OMB Control Number 3245- 0407. Step 5: Add the outstanding amount of an Economic Injury Disaster Loan (EIDL) made between January 31, 2020 and April 3, 2020, less the amount of any “advance” under an EIDL COVID-19 PPP Loan Forgiveness Application Form 3508EZ OMB Control No. If your business received a PPP loan before the program ended on May 31, 2021, you can apply for PPP loan forgiveness until the date when your loan matures Step 3: Calculate average monthly payroll costs (divide the amount from Step 2 by 12). The loan amount will be based on your actual economic injury and your company's financial needs, regardless of whether the business suffered any property damage. Now that the program has closed, we're here to Loan Forgiveness Application Form 3508 Revised July 30, 2021. Based on the CARES Act, the Step 1: Prepare now. Any small business owner can apply for an SBA loan, whether you have Nov 29, 2022 · The application for "second-draw" loans opened to all eligible borrowers on Jan. to disastercustomerservice@sba. This simple form requires you to provide less information and the processing time may also be shorter than other forms. Bluevine: Best for Flexible Line of Credit Repayment Terms. Demographic information is provided voluntarily by borrowers to their lenders. The latest government stimulus package committed $284. Existing borrowers may be eligible for PPP loan forgiveness. Dúvidas Frequentes sobre Remissão de Empréstimos do PPP. Many have their own application process, which should follow SBA Form 3508, so check with The SBA Paycheck Protection Program (PPP) was specifically designed to aid eligible small businesses with forgivable loans during the Coronavirus pandemic. SBA is working to ensure fair and equitable access to its programs and will soon provide additional reporting on how the Agency is working to meet these goals. 5x the average monthly 2019 or 2020 payroll costs up to $2 million. Physical damage loans; Mitigation assistance; Economic Injury Disaster Loans; Military reservist loan; Hawaii wildfires; Hurricane Idalia; Surety bonds; Grants. Step 4: Multiply the average monthly payroll costs from Step 3 by 2. Applicants had to be located in a low-income community, prove more If you are not eligible to use this form, you must apply for forgiveness of your PPP loan using SBA Form 3508 or 3508EZ (or lender’s equivalent form). PPP 대출 상환 감면 관련 자주 묻는 질문. The Borrower is a self-employed individual, independent contractor, or sole proprietor who had no employees at the Jan 11, 2021 · A Second Draw PPP loan is for certain eligible borrowers that previously received a PPP loan, generally have 300 employees or less, and has suffered a 25% reduction in gross receipts. 1. Marketing and sales. Please contact our Business Solutions team at 1-866-914-8679 to submit a PPP Forgiveness request or resubmission. When you submit a PPP loan request on SBA. WASHINGTON – The U. Apr 6, 2020 · The loan amount is determined by taking your company's average monthly payroll over the prior 12-month period and multiplying that by 2. The combined amount of the Supplemental Targeted Advance ($5,000) with any previously received EIDL Advance or Targeted EIDL Advance ($10,000) will not exceed $15,000. Check One: Sole proprietor Partnership C-Corp S-Corp LLC Independent contractor Eligible self-employed individual 501(c)(3) nonprofit 501(c)(19) veterans organization Tribal business (sec. Step 1: Access your PPP Application. May 15, 2024 · General inquiries. You can choose a covered period of any length between 8-weeks (56 days) and 24-weeks (168 days), beginning on the date you received the loan proceeds. Notice: translations of this document are current as of version 10, dated 07-29-21. Please contact your PPP lender for information on their forgiveness process. The American Rescue Plan Act established the Restaurant Revitalization Fund (RRF) to provide funding to help restaurants and other eligible businesses keep their doors open. COVID-19 vaccines - a conversation guide Program details. Debt Collection Act of 1982, Deficit Reduction Act of 1984 (31 U. org has created a powerful search tool that allows public access to the PPP loan database. ET, Monday to Friday, or email cls@sba. If the entry for step 4 is greater than or equal to step 2, enter 1. Low down payment as little as 10%. If you have a question regarding an SBA loan or any SBA program, please contact your local SBA District Office or the SBA Answer Desk by telephone, 1-800-U-ASK-SBA (1-800-827-5722), by email, answerdesk@sba. Step 5. 3245-0407 Expiration date: 1 2/31/2023 Business Legal Name (“Borrower”) DBA or Tradename, if applicable Business Address Business TIN (EIN, SSN) Business Phone ( ) - Primary Contact E-mail Address SBA PPP Loan Number: _____ Lender PPP Loan Number: _____ PPP Loan Amount: Oct 8, 2020 · WASHINGTON—The U. Small Business Administration, in consultation with the Treasury Department, today released a simpler loan forgiveness application for Paycheck Protection Program (PPP) loans of $50,000 or less. 5. Mga Madalas Itanong How to calculate First Draw Paycheck Protection Program loan amounts and what documentation to provide - by business type. Oct 21, 2020 · The purpose of this form is to collect information about the Small Business Applicant ("Applicant") and its owners, the loan request, existing indebtedness, information about current or previous government financing, and certain other topics. gov, Monday-Friday 9:00 a. Small Business Association (SBA) during the COVID-19 pandemic to help small businesses and nonprofits in the U. 33. For a loan with an original amount of $150,000 or less, you can apply through the SBA PPP Direct Forgiveness portal. This loan is called a Second Draw loan, and was established as part of the Coronavirus Response and Relief Act signed into law on December 27, 2020. You will complete your application with our partner and then once it has all required information and documentation it Aug 8, 2023 · A third round of Paycheck Protection Program (PPP) loans was authorized by the passage of H. Enter the borrower’s total FTE as of the earlier of December 31, 2020, and the date this application is submitted: . gov, or speak with an American Sign Language Mar 7, 2024 · The 7 (a) Loan Program, SBA’s primary business loan program, provides loan guaranties to lenders that allow them to provide financial help for small businesses with special requirements. The U. SBA COVID-19 Relief Programs Report. PPP Schedule A Worksheet, Table 1 Totals. Learn more. Small Business Administration (SBA), in consultation with the Treasury Department, announced today that the Paycheck Protection Program (PPP) will re-open the week of January 11 for new borrowers and certain existing PPP borrowers. See subsection B. Sep 14, 2021 · You will now use Huntington’s online portal (link below) to apply for Paycheck Protection Program (PPP) loan forgiveness. to 6:00 p. 5x the average monthly 2019 or 2020 payroll costs up to $2 PPP Loan Forgiveness Calculation Form. May 31, 2021 · Data on achieving equity. If you have questions about other SBA lending products, call SBA’s Answer Desk at 1-800-827-5722 or send an email to answerdesk@sba. Funding Circle: Best for Long The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. Go to SBA. You must use at least 60% of funds for eligible payroll costs to qualify for full Loan Forgiveness. Womply is not a lender, but we can help you access PPP stimulus Borrower Application Form (SBA Form 2483 or SBA Form 2483-C for First Draw PPP Loans and SBA Form 2483-SD or SBA Form 2483-SD-C for Second Draw PPP Loans). 2 days ago · Wells Fargo: Best for Business Lines of Credit From a Bank. Najczęściej zadawane pytania na temat umorzenia pożyczki z PPP. Contact SBA’s Answer Desk at 1-800-827-5722 or answerdesk@sba. Paycheck Protection Program Borrower Application Form Revised January 8, 2021. m. Notice: The Paycheck Protection Program (PPP) ended on May 31, 2021. Paycheck Protection Program PPP Loan Forgiveness Application Form Expiration date: 3508S OMB Control No. This partnership allows for flexible financing solutions. File size: 245KB. Fora Financial: Best for Large Business Loans. This action streamlines the PPP forgiveness process to provide financial and administrative relief to America’s smallest If you are not eligible to use this form, you must apply for forgiveness of your PPP loan using SBA Form 3508 or 3508EZ (or lender’s equivalent form). Existing borrowers can use the MySBA Loan Portal to make payments and view loan documents on the following loan types: For other SBA loans, you can continue to set up and manage online payments at Pay. Jan 8, 2021 · Published on January 8, 2021. As a top-10 Small Business Administration lender 1, we used our expertise to help thousands of businesses quickly gain funds through the Paycheck Protection Program (PPP), a federally provided, forgivable loan that covers certain business costs. Who can apply. gov, 1-800-827-5722, or speak with an American Sign Language (ASL) interpreter via videophone at 855-440-4960. Effective : March 12, 2021. The deadline to apply is May 31, 2021. Hire and manage employees. Stay legally compliant. pdf. To promote access to capital, initially only community financial institutions will be able to make First Draw PPP Loans on Monday, January PPP First Draw SBA Loan Number: Reduction in Gross Receipts of at Least 25% (Applicants for loans of $150,000 or less may leave blank but must provide upon or before seeking loan forgiveness or upon SBA request): 2020 Quarter (e. Related Programs : 7 (a), PPP. A framework to formally assess fraud risks, in SBA programs as well as in SBA operations. 16 of SBA’s interim final rule posted on January 6, 2021 (86 FR 3692). S. SBA will forgive loans if all employee retention criteria are met, and the funds are used for eligible expenses. Download . to 8:00 p. Register to Start Your Request May 15, 2024 · Borrowers applying for SBA disaster loans can use the MySBA Loan Portal (lending. For first draw PPP loan forgiveness applications using the S form, documentation does not need to be uploaded, however, you are required to retain all records relating to your PPP loan and may be required to submit such documentation to the SBA, upon request. Report Fraud, Waste, or Abuse online Jan 8, 2021 · WASHINGTON – The U. If you have a question about getting a SBA disaster loan, call 800-659-2955 or send an email. If you are not eligible to use this form, you must apply for forgiveness of your PPP loan using SBA Form 3508 or 3508EZ (or lender’s equivalent form). ET. 3701 et seq. The Supplemental Targeted Advance provided a supplemental payment of $5,000 that does not have to be repaid. Small Business Administration is committed to furthering the growth and development of small businesses. Borrower Application Form Revised March 18, 2021 Expiration Date: 9/30/2021 Expiration Date: 9/30/2021. 3245-0407 10/31/2020 A BORROWER MAY USE THIS FORM ONLY IF THE BORROWER R ECEIVED A PPP LOAN OF $50,000 OR LESS . In the end, the amount you will obtain will be 2. : 3245-0407 Expiration Date: 09/30/2020. At least $15 billion is set aside for additional PPP lending by CFIs. Часто задаваемые вопросы о прощении кредита PPP. Business owners with a PPP loan in excess of $150,000 will apply for forgiveness with their PPP lender. For a loan with an original amount over $150,000, please call the Business Service Center at 877-357-4716 to get started on a paper application. : 3245-0407 OMB Control No. For PPP loans, the status will show “paid in full” if the PPP loan has been forgiven. OMB Control No. 7 (a) loans can be used for: The maximum loan amount for a 7 (a) loan is $5 million. For borrowers in the Accommodation and Food Services sector (use NAICS 72 to confirm), the maximum loan amount for a Second Draw PPP loan is 3. Run your business like a boss. 27, 2020. If you just submitted your request, you should already be on this page. An early-stage data analytics program to evaluate fraud risks across SBA programs. Approval and loan forgiveness are subject to your ability to meet government-set eligibility requirements. Paycheck Protection Program OMB Control No. Jul 20, 2023 · PPP Loan Forgiveness Through the SBA. Lenders are expected to perform a good faith review, in a reasonable time, of the borrower’s calculations and supporting documents concerning average monthly payroll cost. 133: Consolidated Appropriations Act, 2021 into law on Dec. Qualified expenses include payroll expenses (minimum 60% of proceeds) and non-payroll expenses (up to 40% of proceeds). Step 2: Calculate the average monthly gross income amount (divide the amount from Step 1 by 12). Expiration Date: 10/31/2020. Line 1. All lenders will be required to decision forgiveness applications received through the Loans. Restaurants can apply for 3. Key eligibility factors are based on what the business does to receive The Paycheck Protection Program (PPP) is no longer accepting applications. Under open government transparency guidelines, information on recipients of the $793B in forgivable government loans issued through the 2020 Paycheck Protection Program by the US Small Business Administration (SBA) are a matter of public record. State Trade Expansion Program (STEP Aug 5, 2021 · You’ll still request Forgiveness directly from us because we’re continuing with our simple process and are not participating in the new SBA direct program. Pay taxes. 9. Owned by : Office of Capital Access. The information provided in this application and the information provided in all supporting Get the details on the Paycheck Protection Program. You can also contact your SBA District Office for help planning, starting, or growing your small business. The SBA also offers live customer service to borrowers at 877-552-2692. com®, you are first redirected to your PPP application with our partner. Buy assets and equipment. 33, reduce it to $8,333. After registration, you may use this streamlined process to automatically submit your forgiveness request to your lender. gov) to apply and check the status of their application. To qualify for loan forgiveness, the funds must be used during the covered period. Jan 8, 2021 · User Reviews 4. ur lg vi wh gw jm ol wv hl ct