4.4% of OH total
Avg: $90,143 per loan
$60M outstanding
94.7% forgiveness rate
PPP Program Overview: Dayton, OH
Between April 2020 and May 2021, the U.S. Small Business Administration disbursed approximately 13,819 Paycheck Protection Program loans in the Dayton metropolitan area, totaling $1.2B. These loans supported approximately 111K jobs in the local economy during the COVID-19 pandemic.
Of these loans, 13,086 (94.7%) were fully forgiven. However, 733 loans totaling $60M remain unforgiven and are potentially subject to SBA collection, Treasury offset, or DOJ enforcement action.
Dayton is part of Ohio, which has a Medium 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 Dayton
Dayton has moderate PPP enforcement activity. While not among the highest-priority metros, the DOJ and SBA OIG maintain active investigations in this area. Borrowers with loans over $150,000 or those with discrepancies in their applications should be particularly vigilant.
The False Claims Act statute of limitations extends through 2030-2031 for PPP loans. This means new enforcement actions can still be initiated against Dayton borrowers for several more years.
Dayton vs. Ohio Average
Frequently Asked Questions: PPP in Dayton
How many PPP loans were issued in Dayton, OH?
Dayton, Ohio received approximately 13,819 PPP loans totaling $1.2B between April 2020 and May 2021. The average loan size was $90,143, supporting approximately 111K jobs in the Dayton metro area.
How many PPP loans in Dayton were not forgiven?
Approximately 733 PPP loans in the Dayton metro area (5.3% of total) were not forgiven, representing $60M in outstanding obligations. These borrowers may face Treasury collection actions or SBA enforcement.
What is the PPP enforcement risk in Dayton?
Dayton is in a "Medium" enforcement risk area. The DOJ PPP Strike Force and SBA OIG maintain active investigations in major metro areas. Borrowers in Dayton with unforgiven loans or application discrepancies should be aware of ongoing enforcement activity through 2030-2031.
Can I still face a PPP audit in Dayton 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. Dayton borrowers remain at risk regardless of whether their loan was forgiven.
Are You at Risk?
733 Dayton area borrowers have unforgiven PPP loans. Find out your specific risk level in under 3 minutes.
Other Cities in Ohio
View all Ohio 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.