PPP Loan Data: Michigan
Paycheck Protection Program statistics for Michigan. 278,462 loans disbursed, 14,480 unforgiven and potentially subject to enforcement.
Medium Enforcement Risk2.4% of national total
Avg: $91,932 per loan
$1.3B outstanding
94.8% forgiveness rate
PPP Program Overview: Michigan
Between April 2020 and May 2021, the U.S. Small Business Administration disbursed 278,462 Paycheck Protection Program loans in Michigan, totaling $25.6B. These loans supported approximately 2.2M jobs across the state during the COVID-19 pandemic.
Of these loans, 263,982 (94.8%) were fully forgiven. However, 14,480 loans totaling $1.3B remain unforgiven and are potentially subject to SBA collection, Treasury offset, or DOJ enforcement action.
This state has moderate DOJ PPP enforcement activity with active SBA OIG presence.
Enforcement Risk in Michigan
Michigan has moderate PPP enforcement activity. While not among the highest-priority states, the DOJ and SBA OIG maintain active investigations here. Borrowers with loans over $150,000 or those with discrepancies in their applications should be particularly vigilant about potential enforcement actions.
The False Claims Act statute of limitations extends through 2030-2031 for PPP loans. This means new enforcement actions can still be initiated against Michigan borrowers for several more years. The 14,480 unforgiven loans in Michigan represent the most immediate enforcement targets.
Michigan vs. National Average
Frequently Asked Questions: PPP in Michigan
How many PPP loans were issued in Michigan?
Michigan received 278,462 PPP loans totaling $25.6B between April 2020 and May 2021. The average loan size was $91,932, supporting approximately 2.2M jobs.
How many PPP loans in Michigan were not forgiven?
Approximately 14,480 PPP loans in Michigan (5.2% of total) were not forgiven, representing $1.3B in outstanding obligations. These borrowers may face Treasury collection actions or SBA enforcement.
What is the PPP audit risk level in Michigan?
Michigan is classified as "Medium" enforcement risk. This state has moderate DOJ PPP enforcement activity with active SBA OIG presence. Borrowers in Michigan 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 Michigan 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. Michigan borrowers remain at risk regardless of whether their loan was forgiven.
Are You at Risk?
14,480 Michigan borrowers have unforgiven PPP loans. Find out your specific risk level in under 3 minutes.
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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.