All borrowers, regardless of loan size, can use SBA's direct forgiveness portal. Applying for forgiveness using the portal can take as little as 15 minutes.Existing borrowers may be eligible for PPP loan forgiveness. For California purposes, forgiven PPP loans, SVO grants, and RRF grants are excluded from gross income. After registration, you may use this streamlined process to automatically submit your forgiveness request to your lender. PPP loan forgiveness. Borrowers may be eligible for Paycheck Protection Program (PPP) loan forgiveness.