Case Study: Capital City Bank achieves rapid PPP loan automation and accelerated digital transformation with Abrigo

How Capital City Bank’s Success with Automating PPP Loans Propelled its Digital Transformation

Capital City Bank, a regional bank with 57 branches, faced a crisis three days before the second round of Paycheck Protection Program (PPP) lending when their third‑party provider could not support the new round. With only 48 hours to implement a new solution, the bank turned to Abrigo and deployed Abrigo’s PPP Solution based on prior experience with Abrigo’s CECL tools.

Abrigo stood up the PPP Solution in 36 hours, rapidly fixed an Adobe signature issue (assembling a team to complete forms in under 24 hours), and automated key processes so Capital City Bank completed more than 1,100 PPP loans—delivering over $50 million in the second round and another $73 million in 2021—with 30 lenders working remotely in a 100% digital workflow. Following that success, Capital City Bank expanded its relationship to Abrigo Loan Origination System (LOS), gaining a cloud‑based, workflow‑driven platform that improved pipeline tracking, consistency, and efficiency—now routing all business loans through Abrigo.

Capital City Bank

Lee Nichols

Senior Vice President, Credit Administration