关心法案工资保护计划

Business owners should consider the 薪水保护计划 to assist them through this critical time. We highly recommend they contact their lending institution to start the lending process and begin gathering information that may be required for their application. 已找到申请表和说明 在这里 处理将于4月3日星期五开始.
作为一种资源,以下信息由美国政府提供.S. 参议院小企业委员会 & 创业.
The 薪水保护计划 (PPP) provides cash-flow assistance through 100 percent federally guaranteed loans to employers who maintain their payroll during this emergency. 如果雇主维持他们的工资, 这些贷款将被免除, 哪一种方法可以ag真人充值工人保持就业, as well as help affected small businesses and our economy snap-back quicker after the crisis. PPP有许多吸引人的特点, such as forgiveness of up to 8 weeks of payroll based on employee retention and salary levels, 没有SBA费用, 至少延期六个月,最长延期一年. Small businesses and other eligible entities will be able to apply if they were harmed by 新型冠状病毒肺炎 between February 15, 2020年和6月30日, 2020. 该计划将追溯至2月15日, 2020, in order to help bring workers who may have already been laid off back onto payrolls. 贷款截止到2020年6月30日.

什么类型的企业和实体有资格获得PPP贷款?

  • 企业和实体必须在2020年2月15日开始运营.
  • 小型企业的担忧, 以及任何商业上的顾虑, 一个501(c)(3)非盈利组织, 一个501(c)(19)退伍军人组织, or Tribal business concern described in section 31(b)(2)(C) that has fewer than 500 employees, 或适用的 尺寸标准 in number of employees for the North American Industry Classification System (NAICS) industry as provided by SBA, 如果高.
  • Individuals who operate a sole proprietorship or as an independent contractor and eligible self-employed individuals.
  • Any business concern that employs not more than 500 employees per physical location of the business concern and that is assigned a NAICS code beginning with 72, 会员规则被放弃的.
  • Affiliation rules are also waived for any business concern operating as a franchise that is assigned a franchise identifier code by the Administration, and company that receives funding through a Small Business Investment Company.

什么类型的非营利组织是合格的?
在一般情况下, 501(c)(3) and 501(c)(19) nonprofits with 500 employees or fewer as most nonprofit SBA 尺寸标准s are based on revenue, 没有员工编号. 检查 在这里 看看你的非营利组织是否符合条件.
贷款规模是如何确定的?
Depending on your business’ situation, the loan size will be calculated in different ways. 最高贷款额度总是1000万美元.

  • 如果你在2月15日上班, 2019 - 6月30日, 2019: Your max loan is equal to 250 percent of your average monthly payroll costs during that time period. 如果你的公司雇佣季节工, 你可以选择3月1日, 2019年作为您的时间段开始日期.
  • 如果你在2月15日期间不在公司, 2019 - 6月30日, 2019: Your max loan is equal to 250 percent of your average monthly payroll costs between January 1, 2020年2月29日, 2020.
  • 如果你在2月15日之间申请了经济伤害灾难贷款(EIDL), 2020年和6月30日, 2020年,你想把贷款再融资成购买力平价贷款, 你要把未偿还的贷款金额加到工资总额中.

什么成本是合格的工资?

  • Compensation (salary, wage, commission, or similar compensation, payment of cash tip or equivalent.
  • 支付假期,父母,家庭,医疗或病假.
  • 解雇或离职的津贴.
  • Payment required for the provisions of group health care benefits, including insurance premiums.
  • 支付任何退休福利.
  • 根据雇员的薪酬支付的州或地方税收.

什么费用是不合格的工资?

  • 员工/所有者补偿超过10万美元.
  • 根据美国国税局法规第21、22和24章征收或扣缴的税款.
  • Compensation of employees whose principal place of residence is outside of the U.S.
  • Qualified sick and family leave for which a credit is allowed under sections 7001 and 7003 of the 《AG真人平台》.
  • 贷款所得款项可作什么用途?
  • 上述工资费用.
  • Costs related to the continuation of group health care benefits during periods of paid sick, 医疗, 或家庭离开, 和保险费.
  • Employee salaries, commissions, or similar compensations (see exclusions above).
  • Payments of interest on any mortgage obligation (which shall not include any prepayment of or payment of principal on a mortgage obligation).
  • 租金(包括租赁协议下的租金).
  • 公用事业公司.
  • Interest on any other debt obligations that were incurred before the covered period.

贷款期限、利率和费用是什么?
任何金额都不能原谅, 最长期限为10年, 最高利率是4%, 零贷款费用, zero prepayment fee (SBA will establish application fees caps for lenders that charge).
如何计算宽恕金额?
Forgiveness on a covered loan is equal to the sum of the following payroll costs incurred during the covered 8 week period compared to the previous year or time period, proportionate to maintaining employees and wages (excluding compensation over $100,000).
Payroll costs plus any payment of interest on any covered mortgage obligation (not including any prepayment or payment of principal on a covered mortgage obligation) plus any payment on any covered rent obligation plus and any covered utility payment.
我如何获得按购买力平价贷款的宽免?
你必须向你的贷方申请免除你的贷款. 在此申请中,您必须包括:

  • 证明工资单上雇员人数和工资率的文件, 包括国税局的工资税申报和州收入, 工资单和失业保险文件.
  • Documentation verifying payments on covered mortgage obligations, lease obligations, and utilities.
  • Certification from a representative of your business or organization that is authorized to certify that the documentation provided is true and that the amount that is being forgiven was used in accordance with the program’s guidelines for use.

宽恕期过后会发生什么呢?
Any loan amounts not forgiven are carried forward as an ongoing loan with max terms of 10 years, 最高利率为4%. 本息将继续延期支付, 贷款发放后共六个月至一年. 时钟不会重新开始.
我可否申请多于一笔按购买力平价贷款?
No. 一个实体只能获得一笔PPP贷款. Each loan will be registered under a 税payer Identification Number at SBA to prevent multiple loans to the same entity.
我应该去哪里获得PPP贷款?
所有现行SBA 7(a)贷款人都是PPP的合格贷款人. The Department of Treasury will also be in charge of authorizing new lenders, 包括非银行放贷机构, ag真人充值满足小企业主的需求.
PPP贷款如何与小企业管理局现有贷款协调?
借款人可申请公私合营贷款和其他小型企业管理局的财政援助, 包括经济伤害灾害贷款(EIDLs), 7 (a)贷款, 504年贷款, 和小额贷款, 也接受来自 小型企业投资公司 (sbic). However, you cannot use your PPP loan for the same purpose as your other SBA loan(s). 例如, 如果你用你的购买力平价支付8周的工资, you cannot use a different SBA loan product for payroll for those same costs in that period, although you could use it for payroll not during that period or for different workers.
How does the PPP loan work with the temporary Emergency Economic Injury Grants and the Small Business Debt Relief program?
紧急经济损害补助金和经济损害灾害贷款(EIDL) 受助人和通过贷款偿还减免的人 小企业债务减免计划 may apply for and take out a PPP loan as long as t在这里 is no duplication in the uses of funds.

需要指导和ag真人充值?
If you need advice, give us a call and we will be happy to discuss your situation.
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