PPP Loan Data: Alabama
Paycheck Protection Program statistics for Alabama. 147,862 loans disbursed, 6,210 unforgiven and potentially subject to enforcement.
Standard Enforcement Risk1.3% of national total
Avg: $86,567 per loan
$538M outstanding
95.8% forgiveness rate
PPP Program Overview: Alabama
Between April 2020 and May 2021, the U.S. Small Business Administration disbursed 147,862 Paycheck Protection Program loans in Alabama, totaling $12.8B. These loans supported approximately 1.2M jobs across the state during the COVID-19 pandemic.
Of these loans, 141,652 (95.8%) were fully forgiven. However, 6,210 loans totaling $538M remain unforgiven and are potentially subject to SBA collection, Treasury offset, or DOJ enforcement action.
This state has standard-level PPP enforcement activity.
Enforcement Risk in Alabama
Alabama has standard-level PPP enforcement activity. While enforcement is less concentrated here than in major metropolitan states, the DOJ PPP Strike Force operates nationally. Any borrower with an unforgiven loan or application discrepancies remains at risk regardless of geographic location.
The False Claims Act statute of limitations extends through 2030-2031 for PPP loans. This means new enforcement actions can still be initiated against Alabama borrowers for several more years. The 6,210 unforgiven loans in Alabama represent the most immediate enforcement targets.
Alabama vs. National Average
Frequently Asked Questions: PPP in Alabama
How many PPP loans were issued in Alabama?
Alabama received 147,862 PPP loans totaling $12.8B between April 2020 and May 2021. The average loan size was $86,567, supporting approximately 1.2M jobs.
How many PPP loans in Alabama were not forgiven?
Approximately 6,210 PPP loans in Alabama (4.2% of total) were not forgiven, representing $538M in outstanding obligations. These borrowers may face Treasury collection actions or SBA enforcement.
What is the PPP audit risk level in Alabama?
Alabama is classified as "Standard" enforcement risk. This state has standard-level PPP enforcement activity. Borrowers in Alabama with unforgiven loans or discrepancies in their applications should be aware of ongoing DOJ and SBA OIG enforcement activity.
Can I still face a PPP audit in Alabama in 2026?
Yes. The False Claims Act has a 6-10 year statute of limitations. Since PPP loans were issued in 2020-2021, enforcement actions can continue through 2030-2031. Alabama borrowers remain at risk regardless of whether their loan was forgiven.
Are You at Risk?
6,210 Alabama borrowers have unforgiven PPP loans. Find out your specific risk level in under 3 minutes.
Defense Resources
Other States
Data Sources: U.S. Small Business Administration PPP Data Reports, PandemicOversight.gov, U.S. Treasury Department. Data reflects the full PPP program period (April 2020 – May 2021). Last updated May 2026.