SBA PPP Loan Platform - API HTTP Response Codes

The SBA PPP Loan Platform REST APIs return either 200 (OK) , 201 (Created) or 204 (Deleted) when an API request successfully runs to completion. Status codes in the 400-500 range indicate failures

Method	API	Error code & Error Message	Error Description
POST	/origination	Default REST errors	Default REST errors
POST	/origination	400: Please provide a valid owner type (1 - Person, 2 - Business)	When a Valid Business Owner type is not provided
POST	/origination	400: The owner type for the business selected should be an individual Error: E0025	This type of business must have an individual owner
POST	/origination	400: The business owner type you selected requires a Social Security Number Error: E0026	This type of business must have an individual owner
POST	/origination	400: The business owner type you selected requires a Social Security Number Error: E0026	Business type you selected does not allow a Business name associated with an SSN
POST	/origination	400: This Borrower has already provided an application for a PPP Loan. Please validate with the Borrower before submitting again	Resubmitting another Loan application for same Borrower
POST	/origination	400: Please provide a valid franchise code	If Business is a Franchise and valid Franchise code is not provided
POST	/origination	400: Ensure this value is greater than or equal to 1.0	If the ownership of the owner is less than 1%
POST	/origination	400: Ensure this field has at least 9 characters	If TIN is not 9 digits
POST	/origination	400: Attestations are not complete	Attestation questions are not TRUE. See notes for Applicant_is_eligible on dictionary
POST	/origination	400: Total ownership percentage between all owners cannot exceed 100%. Error: E0033	If the ownership is more than 100% for all the owners combined
POST	/origination	400: Business Owner TIN must be 9 digits	If TIN is not 9 digit numeric
POST	/origination	400: The maximum number of owners is five (5) and each owner should have at least 20% ownership. Error: E0032	If there are more than 5 owners provided
POST	/origination	400: Total ownership percentage between all owners cannot exceed 100%	If the ownership is more than 100% for all the owners combined
POST	/origination	400: Our automated routines have determined that Business Owner TIN is likely invalid	If TIN value is of the form 111111111, 222222222, etc.
POST	/origination	400: Validate the TIN for each Business Owner, automated verification indicates the Business Owner TIN is likely invalid. Error: E0035	If TIN value is of the form 111111111, 222222222, etc.
POST	/origination	400: Validate the TIN for each Business Owner, automated verification indicates the Business Owner TIN is likely invalid. Error: E0036	If TIN value is of the form 111111111, 222222222, etc.
POST	/origination	400: Our automated routines have determined that Business TIN is likely invalid	If TIN value is of the form 111111111, 222222222, etc.
POST	/origination	400: Date of Establishment must be before 2/15/2020	if the Business establishment is after 15th Feb, 2020
POST	/origination	400: Date of Establishment is required	If Business establishment date is not provided
POST	/origination	400: Zip must exactly be 5 digits	If Zip number is invalid
POST	/origination	400: Zip+4 must be exactly 4 digits	If Zip + 4 is invalid
POST	/origination	400: Business TIN must be 9 digits	If TIN is not 9 digit numeric
POST	/origination	400: Franchise Code is required	If Business is a Franchise and valid Franchise code is not provided
POST	/origination	400: Business name is not valid for this business type	If business type is one of the (Independent Contractor, Self-Employed Individuals, Sole Proprietor) and legal_name is provided in the request. It shouldn’t be provided
POST	/origination	400: The Business type you selected requires a First and last name for the business owner. Error: E0029	If business type is one of the (Independent Contractor, Self-Employed Individuals, Sole Proprietor) and First and Last name are not provided
POST	/origination	400: First and last name are not valid for this business type	If business type is not Independent Contractor, Sole Proprietor or Self-Employed Individuals and First Name and Last Name are provided in the request. They should not be provided
POST	/origination	400: The Business type you selected requires a Business Name for the business owner Error: E0028	If business type is not Independent Contractor, Sole Proprietor or Self-Employed Individuals and Legal Name is not provided
POST	/origination	400: TIN Type is invalid for business type	If TIN type is EIN and business type is Independent Contractor or Self-Employed Individuals. Also, if TIN type is SSN and business type is not one of the (Independent Contractor, Self-Employed Individuals, Sole Proprietor, Tenant In Common, LLC, Trust)
POST	/origination	400: The Business type you selected has an invalid TIN Type (SSN/EIN) for (business owner) Error: E0030	If TIN type is EIN and business type is Independent Contractor or Self-Employed Individuals. Also, if TIN type is SSN and business type is not one of the (Independent Contractor, Self-Employed Individuals, Sole Proprietor, Tenant In Common, LLC, Trust)
POST	/origination	400: The Business type you selected has an invalid TIN Type (SSN/EIN) for (business owner) Error: E0031	If TIN type is EIN and business type is Independent Contractor or Self-Employed Individuals. Also, if TIN type is SSN and business type is not one of the (Independent Contractor, Self-Employed Individuals, Sole Proprietor, Tenant In Common, LLC, Trust)
POST	/origination	400: The business owner selected for this type of business must have a SSN, not an EIN. Error: E0037	If owner type is person and tin type is not SSN
POST	/origination	400: Business name should not be provided with SSN	If owner type is person and business name is provided with the request. It should not be provided.
POST	/origination	400: First name and last name should not be provided	If owner type is not person and first name and last name are provided in the request
POST	/origination	400: Business Name must be provided	If TIN type of owner is EIN and business name is not provided
POST	/origination	400: First Name and Last Name must be provided	If TIN type of owner is SSN and if first name or last name is not provided
POST	/origination	400: TIN Type is invalid for business type	If TIN type of owner is EIN and business type is Independent Contractor or Self-Employed Individuals. Also, if owner TIN type is SSN and business type is not one of the (Independent Contractor, Self-Employed Individuals, Sole Proprietor, Tenant In Common, LLC, Trust)
POST	/origination	400: TIN already listed as an owner	If the TIN type and TIN value of owner provided in the request matches with a previous owner in database
POST	/origination	400: PPP3 Loan for this business has already been submitted	If record already exists in database with same business TIN, business TIN type and Organization
POST	/origination	400: You have indicated that you will use the loan proceeds for Other purposes, please provide a value for this value. Reference Error: E0001	If purpose_of_loan_other is True and purpose_of_loan_other_info is not provided
POST	/origination	400: For the NAICS code provided, the Loan Amount must be less than or equal to 3.5x the Average Monthly Payroll. Please check the calculation and resubmit. Reference Error: E0002	If NAICS code starts with 72 and loan amount is greater than 3.5 times average monthly payroll
POST	/origination	400: For the NAICS code provided, the Loan Amount must be less than or equal to 2.5x the Average Monthly Payroll. Please check the calculation and resubmit. Reference Error: E0003	If NAICS code does not begin with 72 and loan amount is greater than 2.5 times average monthly payroll
POST	/origination	400: Loan Amount must be <= 2.5X Average Monthly Payroll	If loan amount is greater than 2.5 times average monthly payroll
POST	/origination	400: For a Second Draw PPP Loan, you must provide the First Draw (or original PPP) loan number. Reference Error: E0004	If second_draw_ppp_loan is True and ppp_first_draw_sba_loan_number is not provided
POST	/origination	400: For a Second Draw PPP Loan, you must provide the period data that supports the revenue reduction requirements of the PPP program . Reference Error: E0005	If second_draw_ppp_loan is True and period_1_revenue or period_2_revenue are not provided
POST	/origination	400: We suspect you may have made an error with your revenue reduction data. Please verify revenue for each period and resubmit. Error: E0006	If second_draw_ppp_loan is True and period_1_revenue or period_2_revenue are not provided
POST	/origination	400: We suspect you may have made an error with your revenue reduction data. Please verify revenue for each period and resubmit. Error: E0007	If second_draw_ppp_loan is True and period_1_revenue or period_2_revenue are not provided
POST	/origination	400: EIDL Loan Amounts cannot be refinanced with a Second Draw Loan. Error: E0011	If second_draw_ppp_loan is False and received_eidl is provided
POST	/origination	400: Please validate that you have provided a value for the number of employees. Error: E0009	number_of_employees is not provided
POST	/origination	400: PPP First Draw SBA Loan Number Not Found	If ppp_first_draw_sba_loan_number is provided and that sba_number doesn’t exists in EtranLoanValidation records
POST	/origination	400: PPP First Draw Loan Amount must be provided if this is a Second Draw PPP Loan. Error: E0015	If ppp_first_draw_sba_loan_number is provided and loan_amount is not provided
POST	/origination	400: Please double check the SBA Loan Number and Loan Amount. Error: E0016	If ppp_first_draw_sba_loan_number is provided and loan_amount in EtranLoanValidation doesn’t match with ppp_first_draw_loan_amount in the request
POST	/origination	400: The PPP First Draw SBA Loan Number cannot be verified; please validate with your Borrower that the First Draw SBA Number is disbursed and in the appropriate status within ETRAN.. Error: E0017	If ppp_first_draw_sba_loan_number is provided and loan_amount in EtranLoanValidation doesn’t match with ppp_first_draw_loan_amount in the request
POST	/origination	400: Confirm the PPP First Draw Loan Amount is correct. Error: E0018	If ppp_first_draw_sba_loan_number is provided and loan_amount in EtranLoanValidation doesn’t match with ppp_first_draw_loan_amount in the request
POST	/origination	400: Confirm the PPP First Draw SBA Loan Number provided is correct; please validate with your Borrower that the First Draw SBA Number is disbursed and in the appropriate status within ETRAN. Error: E0020	If ppp_first_draw_sba_loan_number is provided and loan_amount in EtranLoanValidation doesn’t match with ppp_first_draw_loan_amount in the request
POST	/origination	400: PPP First Draw Loan Number Must be included for borrowers who have already received a PPP Loan.	If ppp_first_draw_sba_loan_number is not provided and business TIN provided exists in EtranLoanValidation records (EIN column)
POST	/origination	400: Please select at least one Loan Purpose. Error: E0021	If purpose_of_loan_payroll is not provided and purpose_of_loan_mortgage is not provided purpose_of_loan_utilities is not provided and purpose_of_loan_covered_operations_expenditures is not provided and purpose_of_loan_covered_property_damage is not provided and purpose_of_loan_covered_supplier_costs is not provided and purpose_of_loan_covered_worker_protection_expenditure is not provided and purpose_of_loan_other is not provided
POST	/origination	400: Average Monthly Payroll must be provided
POST	/origination	400: Loan Amount seems incorrect	Max digits are allowed are 12 with upto 2 decimal places
POST	/origination	400: The maximum Second Draw PPP Loan Amount may not exceed $2,000,000. Error: E0012	loan_amount exceeds 2M
POST	/origination	400: The Aggregate loan amount submitted to the SBA per entity cannot exceed $10,000,000 Error: E0019	loan_amount exceeds 10M
POST	/origination	400: You are attempting to duplicate an owner/TIN. Error: E0034	You can’t submit request if one has already been submitted for this owner/TIN
POST	/origination	400: For Second Draw PPP Loans, the number of employees must not be greater than 300. Error: E0010	number_of_employees exceeds 300
POST	/origination	400: For First Draw PPP Loans, the number of employees must not be greater than 500. Error: E0008	number_of_employees exceeds 500
POST	/origination	400: Based on the number of employees entered, the Loan Amount may be inaccurate . Error: E0013	calculation for employees and monthly payroll failed The API and UI enforce that the loan cannot exceed more than 30K per employee during the calculation period. Please refer to FAQ 26
POST	/origination	400: Please review the Attestations and select the appropriate answer. Error: E0022	Not all Attestations provied and/or true
POST	/origination	400: Please review the Attestations and select the appropriate answer – Another Second Draw. Error: E0023	Not all Attestations provied and/or true
POST	/origination	400: Please review the Attestations and select the appropriate answer – Gross Receipt Reductions. Error: E0024	Not all Attestations provied and/or true
POST	/origination	400: Based on the number of employees entered, the Loan Amount may be inaccurate . Error: E0013	calculation for employees and monthly payroll failed
POST	/origination	400: Franchise code should not be provided unless franchise is listed in SBA franchise directory. Error E0188	When Franchise code is provided without franchise flags being set
POST	/origination	400: ‘You are likely seeing this message because your first PPP Loan was booked under an SSN or EIN Type that is not the same as the loan you are now attempting to enter. These values must match for your submission to move forward. Please follow the correction instructions on the (platform) resources section entitled: Tax ID Changes in ETRAN. Error: E0020	Applicable for second draw loans, When First draw tin type (SSN/EIN) which was used doesnot match second draw’s tin type
POST	/origination	400: Our automated routines have determined that you have utilized a PO Box for the Business Address. The SBA and Form 2483 do not support the entry of a PO Box for purposes of PPP. Please update this address and resubmit your loan. Error E0274	PO Box is not allowed for Borrower/Business taking PPP Loan
POST	/origination	400: Our automated routines have determined that the number of employees is likely inaccurate. Please verify the number of employees for this business and resubmit. Error E0059	For Self Employed and Independent Contractor, only 1 employee is allowed. For Sole prop using SSN, only 1 employee is allowed. If Sole prop reporting more than 1 employees, they should use EIN for Business type.As per the IRS, any time a sole proprietor hires an employee, the sole proprietorship will need to obtain an Employer Identification Number (EIN).
POST	/origination	400: - You have submitted a business owner with an invalid address that does not pass our validation routines. The address which does not pass validation is: Actual address for Borrower. Please ensure the Business address you are entering is a fully valid USPS address. Please withdraw this submission and resubmit. Error E00348	Address invalid for Business owners
POST	/origination	400: - ‘Our automated routines have determined that there is likely a problem with the principal ownership percentage. Please ensure that the ownership percentage for this business type equals 100%. Error E0196’	The SBA requires that the Owners percent is at least 1%. In some scenerios where there is no owner with 1%, you will still need to submit a princpal with 1%. There is no current workaround.The SBA has finalized the ownership/principal requirement to enforce an aggregate 20% submission level for all principals combined. The system will still honor the current value of 1% (for each individual principal) – but the aggregate of those entered – must be 20%. Said differently – a single 1% principal will not be allowed via the UI or API – you must submit an achieved total of 20%.API expects 100% ownership, if using 16, 17 and 1 Borrower types.
POST	/origination	400: The business owner for this type of business can not have an EIN	If owner business type or business business type is one of (independent contractor, self employed, sole propreiter, professtional association, ESOP) and TIN type is EIN
POST	/origination	400: The owner type for this business cannot be a business	If owner type is business and business type is ones of (SOLE_PROPRIETOR, ELIG_SELF_EMPLOYED, INDEPENDENT_CONTRACTOR, PROFESSIONAL_ASSOCIATION, ESOP)
POST	/origination	400: An SSN must be provided for the business owner	If owner type is person and tin type is not SSN
POST	/origination	400: Revenue reduction data must be provided	If second draw ppp loan is True and loan amount is > $150k and period 1 revenue, period 1 quarter and period 2 revenue, period 2 quarter are not provided
POST	/origination	400: Loan amount based on number of employees is likely incorrect	If first draw ppp loan and ratio of loan amount to number of employees exceeds 30k
POST	/origination	400: Number of Employees must be less than 500	If first draw ppp loan and number of employees > 500 and applicant_mmets_size_standard is neither (MEETS_ALTERNATE_SBA_SIZE_STANDARDS, MEETS_SBA_SIZE_STANDARDS)
POST	/origination	400: Number of Employees is required	If second draw ppp loan and number of employees is not provided
POST	/origination	400: Number of Employees must be less than 300	If second draw ppp loan and number of employees exceeds 300
POST	/origination	400: Revenue Reduction likely inaccuraate. Please verify revenue for each period and resubmit.	If loan amount exceeds 150k ratio of period 2 revenue with period 1 revenue exceeds or is equal to 0.76
POST	/origination	400: PPP First Draw Loan Amount Incorrect	If etran notional amount doesn’t match with proided ppp_first_draw_loan_amount for second draw request
POST	/origination	400: We are unable to locate the PPP First Draw SBA Loan Number provided with this request. Please validate with your Borrower and ensure this First Draw SBA Number is properly disbursed and in good status within ETRAN.	If ppp_first_draw_sba_loan_numbner is not provided and tin and tin type already exists in etran loan validation for the second draw request
POST	/origination	400: applicant_wont_recieve_another_second_draw is not a valid attestation for a first draw loan.	If first_draw_ppp_loan request and applicant_wont_receive_another_second_draw is True
POST	/origination	400: applicant_has_reduction_in_gross_receipts is not a valid attestation for a first draw loan.	If first_draw_ppp_loan request and applicant_has_reduction_in_gross_receipts is True
POST	/origination	400: You have not indicated that the 2483-C or 2483-SD-C form is being utilized; however, gross income or schedule C tax year has been provided incorrectly. Please validate and resubmit. Reference Error: E0427	When schedule_c_2483_form or 2483-SD-C is false and value provided in schedule_c_tax_year, schedule_c_gross_income.
POST	/origination	400: You have indicated that the 2483-C or 2483-SD-C form is being utilized; however, the appropriate tax year has not been included. Please validate and resubmit. Reference Error: E0425	When schedule_c_2483_form or 2483-SD-C is true and schedule_c_tax_year is null.
DELETE	/origination	403: Loan Request can not be withdrawn at this time.	Either Loan has been approved by SBA or Loan is in review and Etran doesnot permit to witdraw