20.3% of AL total
Avg: $86,568 per loan
$101M outstanding
95.6% forgiveness rate
PPP Program Overview: Birmingham, AL
Between April 2020 and May 2021, the U.S. Small Business Administration disbursed approximately 29,979 Paycheck Protection Program loans in the Birmingham metropolitan area, totaling $2.6B. These loans supported approximately 253K jobs in the local economy during the COVID-19 pandemic.
Of these loans, 28,659 (95.6%) were fully forgiven. However, 1,320 loans totaling $101M remain unforgiven and are potentially subject to SBA collection, Treasury offset, or DOJ enforcement action.
Birmingham is part of Alabama, which has a Standard enforcement risk classification. The DOJ PPP Strike Force operates nationally, with particular focus on major metropolitan areas where loan volumes and dollar amounts are highest.
Enforcement Risk in Birmingham
Birmingham has standard-level PPP enforcement activity. While enforcement is less concentrated here than in larger metros, the DOJ PPP Strike Force operates nationally. Any borrower with an unforgiven loan or application discrepancies remains at risk regardless of 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 Birmingham borrowers for several more years.
Birmingham vs. Alabama Average
Frequently Asked Questions: PPP in Birmingham
How many PPP loans were issued in Birmingham, AL?
Birmingham, Alabama received approximately 29,979 PPP loans totaling $2.6B between April 2020 and May 2021. The average loan size was $86,568, supporting approximately 253K jobs in the Birmingham metro area.
How many PPP loans in Birmingham were not forgiven?
Approximately 1,320 PPP loans in the Birmingham metro area (4.4% of total) were not forgiven, representing $101M in outstanding obligations. These borrowers may face Treasury collection actions or SBA enforcement.
What is the PPP enforcement risk in Birmingham?
Birmingham is in a "Standard" enforcement risk area. The DOJ PPP Strike Force and SBA OIG maintain active investigations in major metro areas. Borrowers in Birmingham with unforgiven loans or application discrepancies should be aware of ongoing enforcement activity through 2030-2031.
Can I still face a PPP audit in Birmingham 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. Birmingham borrowers remain at risk regardless of whether their loan was forgiven.
Are You at Risk?
1,320 Birmingham area borrowers have unforgiven PPP loans. Find out your specific risk level in under 3 minutes.
Data Sources: U.S. Small Business Administration PPP Data Reports, PandemicOversight.gov, U.S. Treasury Department. Metro-area estimates derived from state-level data with population-weighted distribution. Last updated May 2026.