Well, it's SBA, not IRS, and I stand corrected: "Borrowers may submit a loan forgiveness application any time before the maturity date of the loan, which is either two or five years from loan origination."

https://www.schwabe.com/newsroom-publications-why-you-may-want-to-wait-to-file-for-ppp-loan-forgiven...

I just wanted to make sure everyone is having fun into the future 🙂