2.0% of IL total
Avg: $106,946 per loan
$52M outstanding
93.1% forgiveness rate
PPP Program Overview: Naperville, IL
Between April 2020 and May 2021, the U.S. Small Business Administration disbursed approximately 7,580 Paycheck Protection Program loans in the Naperville metropolitan area, totaling $811M. These loans supported approximately 65K jobs in the local economy during the COVID-19 pandemic.
Of these loans, 7,056 (93.1%) were fully forgiven. However, 524 loans totaling $52M remain unforgiven and are potentially subject to SBA collection, Treasury offset, or DOJ enforcement action.
Naperville is part of Illinois, which has a High 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 Naperville
Naperville is in a high-priority enforcement area. Major metro areas with high loan volumes and large average loan sizes attract concentrated DOJ and SBA OIG attention. Multiple qui tam (whistleblower) cases have been filed in federal courts covering the Naperville area, and the SBA OIG maintains active field offices in the region.
The False Claims Act statute of limitations extends through 2030-2031 for PPP loans. This means new enforcement actions can still be initiated against Naperville borrowers for several more years.
Naperville vs. Illinois Average
Frequently Asked Questions: PPP in Naperville
How many PPP loans were issued in Naperville, IL?
Naperville, Illinois received approximately 7,580 PPP loans totaling $811M between April 2020 and May 2021. The average loan size was $106,946, supporting approximately 65K jobs in the Naperville metro area.
How many PPP loans in Naperville were not forgiven?
Approximately 524 PPP loans in the Naperville metro area (6.9% of total) were not forgiven, representing $52M in outstanding obligations. These borrowers may face Treasury collection actions or SBA enforcement.
What is the PPP enforcement risk in Naperville?
Naperville is in a "High" enforcement risk area. The DOJ PPP Strike Force and SBA OIG maintain active investigations in major metro areas. Borrowers in Naperville with unforgiven loans or application discrepancies should be aware of ongoing enforcement activity through 2030-2031.
Can I still face a PPP audit in Naperville 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. Naperville borrowers remain at risk regardless of whether their loan was forgiven.
Are You at Risk?
524 Naperville area borrowers have unforgiven PPP loans. Find out your specific risk level in under 3 minutes.
Other Cities in Illinois
View all Illinois data →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.