We filed our 2019 return on July 14th - mailed it in with a bank check. We were recently denied an SBA loan because our tax transcript is showing all zeros. Any ideas?

[DoninGA]

The IRS has not processed paper filed tax returns for several months due to the pandemic and limited staffing.  They have only just recently started to process approximately 11 million paper return in the order received.

Go to this IRS website for information - https://www.irs.gov/newsroom/irs-operations-during-covid-19-mission-critical-functions-continue

We’re experiencing delays in processing paper tax returns due to limited staffing. If you already filed a paper return, we will process it in the order we received it.

Do not file a second tax return or contact the IRS about the status of your return.

[Critter-3]

If the check has been cashed then at least you know your envelope was opened ... time it will take to process is what is in question ... could be weeks until the transcript is populated.