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2020年4月16日更新: 小企业管理局宣布，由于资金不足，他们不再接受工资保障计划(PPP)贷款的申请. 看到 购买力平价贷款更新 获取里程碑变化的时间轴.
工资保障计划(PPP)是通过冠状病毒援助建立的, 救济和经济安全法案(关怀法案)帮助合格的企业, 非营利组织 and the self-employed during the COVID-19 pandemic crisis to continue paying their employees due to the economic fallout from the virus. 4月3日开始, 2020, 企业可申请PPP贷款(也称小企业中断贷款), SBA 7 (a)贷款, 有时甚至错误地将其称为“工资*保护计划贷款”(工资* Protection Program loan)，根据每月工资成本计算，其最高价值为1000万美元.
一旦你拿到了现金，允许的用途是 第一次画贷款 (注:第二次提取贷款的规则不同，见 第二个PPP贷款 的全部细节.):
观看一段视频，回答爱博体育手机版APP载资金使用和资金如何被考虑在内的问题 购买力平价贷款宽恕.
为 第二个画贷款，费用扩大到包括:
简而言之, 有许多更多的业务费用可能用于这些新的宽恕支持, 扩大合格的费用.
谁有资格 购买力平价的贷款? 在一般条款, most small businesses or nonprofit organizations are potentially eligible to receive a PPP loan if the organization employs 500 employees or fewer. PPP贷款规则概述如下:
President Biden announced a series of changes meant to help smaller businesses including allowing independent contractors and those who base their loan amount requests on their Schedule C or F net income to use gross revenue as the basis for their calculation instead, 向无利可图的企业开放贷款渠道. 也, 联邦学生贷款拖欠者的资格将扩大, 与欺诈无关的重罪和非美国公民的企业主.S. 是合法居民的公民.
《爱博体育手机版APP载》(American Rescue Plan Act)扩大了获得收入保护计划(PPP)贷款的资格，将额外的非营利组织包括在内, 在法案中被称为附加覆盖的非营利实体. 这一新的合格组织类别包括 非营利组织 列于《爱博足彩APP电脑版本》第501(c)条，但不包括501(c)(3)条, 501(c)(4), 501(c)(6), 和501 (c)(19)组织. 进一步的资格标准要求:
除了, 501(c)(3), 501(c)(6), 501(c)(19)项规定的非营利组织如果雇佣员工不超过500人，就有资格获得PPP贷款 每个物理位置. This will allow some 501(c)(3) organizations that didn’t meet the original 500-employee requirement to apply for PPP funding under this newly updated eligibility criteria. 对于其他非营利组织，资格限制是300名员工.
预计拜登总统将签署该法案使之成为法律, 哪些将为许多担心满足最初申请期限的贷款人和借款人提供预期的缓解. We still recommend to any nonprofit organization that may now be eligible and would like to pursue PPP funds that they reach out to their lender as soon as possible.
有些人担心企业获得的贷款其实并不需要贷款. 由于这, 财政部更新了faq，增加了第31项, which addresses businesses owned by large companies with adequate sources of liquidity to support the business’ ongoing operations should not qualify for a PPP loan. 例如, it is unlikely that a public company with substantial market value and access to capital markets will be able to make the required certification in good faith, 这样的公司应该准备向小企业管理局证明, 要求, 认证的基础.
The 财政部 Department’s response to address this question was to indicate that in addition to reviewing applicable affiliation rules to determine eligibility, all borrowers must assess their economic need for a PPP loan under the standard established by the CARES Act and the PPP regulations at the time of the loan application. The 财政部 Department response also indicated that any borrower that applied for a PPP loan prior to the issuance of this guidance and repays the loan in full by May 7, 2020年将被SBA认为已经做出了必要的善意认证.
如何计算ppp贷款金额取决于业务类型. 一般, the maximum amount for a first draw loan is the lesser of average monthly payroll costs (see 工资成本 section below) during the 1-year period before the date on which the loan is made * 2.5, or $10,000,000.
包括:
不包括:
以下是最常用的计算步骤和公式(包括S及C公司). 指的是 小企业管理局.政府 站点为您的特定业务类型提供特定步骤和计算.
步骤1
通过添加以下内容计算2019年工资成本:
步骤2
计算每月平均工资成本(将步骤1的金额除以12).
步骤3
将步骤2的平均每月工资成本乘以2.5
步骤4
添加1月31日之间任何EIDL的未付金额, 2020年4月3日, 2020年，你寻求再融资. 不要包括COVID-19 EIDL贷款下的任何预付款金额(因为它不需要偿还).
或者，你可以尝试使用这个计算器来估计你的贷款金额资格:
Borrowers are generally eligible for forgiveness for payroll costs incurred during the eight-week Covered Period (or an Alternative 工资 Covered Period). 工资成本被认为是在发工资的那一天支付的, 或者借款人发起了ACH信用交易. 工资单成本被认为是在员工挣得工资的那一天发生的. 工资 costs incurred but not paid during the borrower’s last pay period of the Covered Period (or Alternative 工资 Covered Period) are eligible for forgiveness if paid on or before the next regular payroll date. 否则, 必须在保障期内(或替代保障期内)支付工资费用. 只计算一次支付和发生的工资成本.
对于每个员工来说, 符合豁免条件的现金补偿总额不得超过100美元的年薪,000, 按有关期间的比例计算. 适用于业主雇员或自雇人士/普通合夥人, 金额上限为15美元,每385爱博足彩APP电脑版本.
The language in the CARES Act and subsequent Interim Final Guidance referenced amounts paid and incurred and there was significant uncertainty as to whether borrowers should use cash or accrual methods to determine payroll costs. 最终, the SBA and 财政部 settled on a modified cash method that allows borrowers to account for the payroll amounts that would accrue between the final paycheck within the eight-week Covered Period and paychecks that occurred after the eight-week Covered Period.
然而, it also appears to open a loophole for borrowers with semi-monthly or monthly payrolls that are not eligible to opt for an Alternative 工资 Covered Period. 包括保险期内支付的费用和已发生但在保险期内结束时未支付的费用, 这一计算为借贷者免除超过8周的工资提供了机会.
作为一个例子, 在4月28日收到资金的借款人，其标准担保期将于6月22日到期. 在这段时间, 作为一个半月制工资公司, 他们会四次支付员工工资:4月30日, 5月15日及31日, 和6月15日. 但他们也将产生6月16日至22日期间的工资成本. 当计算说明被写出来时，所有这些费用都有资格被宽恕. 这可能会随着后续指导而改变.
Borrowers with a bi-weekly (or more frequent) payroll schedule may elect to calculate eligible costs using the eight-week period that begins on the first day of their first pay period following their PPP loan disbursement date. Borrowers that elect to use this method must apply the Alternative 工资 Covered Period only where the application specifically allows it but must use the regular Covered Period elsewhere.
某些借款人可以选择在收到贷款支付后的第一个发薪日开始支付8周的工资费用. 这将使借款人更容易跟踪工资，因为它将给每两周支付4次工资，每周支付8次.
合格的非工资成本包括2月15日之前发生的抵押贷款利息支付, 2020; covered rent obligations in force before February 15, 2020 (both real and personal property); and covered utility 付款s for electricity, 气体, 水, 运输, 电话, 或在2月15日之前开通服务的互联网接入, 2020.
An eligible nonpayroll cost must be paid during the Covered Period or incurred during the Covered Period and paid on or before the next regular billing date, 即使该日期是在覆盖期之后. 这些非工资成本不能超过总减免金额的25%.
75%的工资成本要求是基于贷款减免金额，而不是借款人的贷款总额. 这减轻了从2转换后的数学问题.5-month application period to an eight-week forgiveness period and the concerns of borrowers whose businesses may be unable to maintain pre-COVID-19 payroll levels due to the shelter-in-place restrictions or other economic impacts.
PPP贷款适合你吗? 继续 购买力平价的贷款申请 & 的最后期限 开始. 如果你已经有PPP贷款，检查一下 购买力平价贷款宽恕 让美国政府免除你的贷款.S. 财政部.
被工资保障计划的错综复杂所困扰? 看看我们 PPP贷款宽免指引 服务帮助.
