Paycheck Protection Program | SBA Disaster Loan Program

Understanding the Paycheck Protection Program

《比较靠谱的赌博软件》利用现有的基础设施，把重点放在直接向小企业发放应急资金上. 这种技术可以在工资保护计划(PPP)中看到，这是一种可原谅的贷款，利用了小企业协会的7(a)贷款框架. 这意味着企业主必须通过当地的贷款机构才能获得该计划.

The U.S. 商会整理了一份关于冠状病毒紧急贷款的优秀小企业指南和清单. We touch on this information below, but to access their resource, click here to download the pdf.

The Treasury Department has also produced a series of information:

The American Institute of CPAs has released FAQs about the Paycheck Protection Program. Read them here.

New Guidance

小企业管理局最近发布了一份新的常见问题解答，对PPP贷款借款人来说意义重大:

Question: 如果借款人解雇一名雇员，借款人的PPP贷款减免金额(根据《比较靠谱的赌博软件》第1106条和小企业管理局的实施规则和指导)是否会减少, offered to rehire the same employee, but the employee declined the offer?

Answer: No. 根据《比较靠谱的赌博软件》第1106(d)(6)条的规定，署长和部长有权制定法规，给予最低限度的豁免，不受《比较靠谱的赌博软件》对贷款减免的限制, SBA和财政部打算发布一项临时最终规则，将借款人提出重新雇用(以相同的薪水/工资和相同的工作时间)的下岗员工排除在《比较靠谱的赌博软件》的贷款减免减少计算之外. 临时最终规则将具体说明符合此例外的资格, the borrower must have made a good faith, written offer of rehire, 而雇员拒绝该提议的行为必须由借款人记录在案. 雇员和雇主应注意，拒绝再就业的雇员可能丧失继续领取失业补偿的资格.

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Who Is Eligible?

Generally speaking, 该计划向雇员人数不超过500人的企业提供可免除贷款, including:

Sole proprietors
Other Self-employed individuals
501(c)(3) nonprofits
501(c)(19) veterans organizations
Tribal businesses

请注意:酒店和餐饮业以及某些其他行业的企业不受500名员工的限制. Please speak to your Rea advisor to learn more.

What You'll Need To Apply

Our SBA Disaster & 关怀法案贷款工作小组已经开发了一个方便的模板，旨在帮助您将您的工资保护计划贷款申请放在一起. You can download this document here. 对于您需要收集的信息，请继续阅读.

虽然关于《比较靠谱的赌博软件》还有很多未知数, we do know that to apply for the PPP program, you will be required to compile and present documentation. 以下是您现在应该开始收集的项目列表，以确保您在政府给我们绿灯申请这些资金时就准备好了. 请注意，虽然我们认为以下是必要的申请过程, 所需文件的最终清单可能会在收到SBA的最终指导后更改.

2019 and 2020 year-to-date monthly profit and loss statement
2019 and 2020 year-to-date payroll reports
State income, payroll, and unemployment insurance filings
IDs for anyone who owns 25 percent or more of the business
Ownership percentage breakdown of the business
Commercial insurance declaration page
6个月财务债务预测(考虑以下4项)
Documentation of payroll obligations
Interest expense
Rent expense
Utility payments
SOS documentation
税号/雇主识别号码和完整的所有权信息
Entity articles
Personal financial statement
Business debt schedule
Business tax returns for 2017 and 2018

Loan Details

贷款金额由一个公式决定，该公式与企业的工资成本(2)挂钩.5 times the average monthly payroll cost prior to the crisis). 最高贷款额为1000万美元，最高利率为1%.

How to calculate your business's payroll prior to the crisis:

Eligible costs for payroll
- Gross compensation (Each person limited to $100k annually)
- Including payment for vacation, parental, family, 医疗或病假(不包括根据《安全的赌博软件》允许抵免的合格病假和家事假)
- Including allowance for dismissal or separation
- Including group health care benefits/premiums
- Including retirement benefits (company contributions; employee contributions included in compensation above)
- Including State or local payroll taxes (not federal)

Allowable loan uses include:

Payroll costs (as calculated above)
Mortgage interest, rent, and utility payments

Loan Forgiveness Process

Click here for complete details.

此贷款的宽免额等于借款人在贷款发放之日起八周内(借款人可将贷款的发放推迟至多10个日历日)用于支付工资的费用, interest payment on any mortgage, payment of rent on any lease, and payment on any utility. Additionally, the business:

Must apply to the bank for forgiveness after June 30, 2020.
当你的贷款到期时，如果你将贷款金额用于工资以外的任何事情，你就会欠钱, mortgage interest, rent, and utility payments over the 8 weeks after getting the loan. Due to the likely high subscriptions, 预计不超过25%的宽免额可用于支付非工资费用. 如果你不维持你的员工和工资，你也会欠钱.
- The number of staff: 如果你减少全职员工人数，你的贷款减免将会减少.
- Level of payroll: 如果你为收入低于100美元的员工减薪超过25%，你的贷款减免也会减少,000 annualized in 2019.
- Re-hiring: You have until June 30, 2020, 恢复你的全职工作和2月15日之间的工资水平, 2020, and April 26, 2020.
未免除的部分贷款最多可在两年内偿还，最高利率为1%.

对于PPP宽恕的完整解释，并下载和了解更多关于薪水保护贷款宽恕申请, click here.

Seek Assistance

Due to the nature of the COVID-19 crisis, 这些信息可能会被修改，因为我们能够从银行得到更多的指导, the SBA, and the U.S. Department of Treasury. You are advised to discuss your specific situation with your Rea & Associates advisor, legal counsel, and your lender before making any decisions.