The Interim Final Rule states that the purpose of the SBA's online forgiveness platform is to establish a direct borrower forgiveness process for lenders that choose to opt-in as an alternative method of processing loan forgiveness applications.
Your lender, Cross River, has chosen to opt-into using both the SBA platform and Scratch Services platform when applying for loan forgiveness. In this instance, we encourage you to log into your account at https://my.scratch.fi and apply for loan forgiveness or you may choose to apply directly for loan forgiveness with the SBA at https://directforgiveness.sba.gov/.