如何获取《澳门皇家堵场上线啦》的条款
感谢澳门皇家堵场上线啦的SBA合作伙伴分享这些有用的信息.
工资保障计划(PPP)
SBA目前 再次接受申请. 的 new Prioritized Paycheck Protection Program Act (P4) extended the window for business owners to apply for PPP loans to May 31, 2021.
工商及科技局发布 贷款宽免申请. 截至6月17日，SBA & 财政部发布了EZ和修订的完全宽恕申请. 点击这里了解更多.
不要忘记自营职业者, 个体户, 演出人员, 独立承包商也有资格!
你不需要有员工才有资格获得PPP贷款. 如果你是个体户，你就是你自己的“雇员”，你的净利润就是你的“工资单”.” So, your PPP application is based on your “owner compensation” as reflected in your 2019 Schedule C line 31 net profit amount (which you must reduce to $100,如果你的净利超过这个数目，你的净利是1000万美元。. 把净利润数字除以12，再乘以2.5. 这就是PPP贷款可以为你的独资企业提供的“工资单”. 你所要做的就是用它来支付你自己，让你的生意继续下去, 这样你基本上就满足了完全PPP宽恕的要求. 对此有更详细的解释 临时最终规则#3 (见页. 21748从第3列的顶部到p. 详情请参阅21750)-及“如何按业务类别计算最高贷款额”
- An 小企业管理局关于关怀法案的新闻稿 -提供了新的公私伙伴关系的大致轮廓，该计划于3月27日作为《澳门皇家堵场上线啦》的一部分颁布.
- 的 美国财政部在一个网站上公布了有关购买力平价的更多细节 -包括若干资料表.
- 这里有一个有用的 免费薪水保障计划 贷款减免计算器 来自AICPA(美国注册会计师协会).
参见“常见问题”，以了解以下项目的详情:
- 非营利组织 (Q 3)
- 农业生产者 (Q 34)
- 合作社 (Q 35)
- 非营利性医院，即使他们不是正式的501(c)(3)非营利组织 (Q 42)
- 部落所有的生意 (Q 3)
有关以下资料的详情:
截至2020年7月14日的计划变更:
在补充暂行最终规则中公布了对PPP计划的一些小改动
- 所有合法的博彩企业都有资格，无论其收入的百分比是多少.
- 员工持股企业符合资格.
- Hospitals owned by state/local governmental entities are eligible provided they don’t get 50% or more of their revenues from their governmental owners (exclusive of Medicaid).
- 破产企业，包括其所有人都破产的企业，都不符合资格.
- 对冲基金和私募股权公司不具备PPP资格.
- Portfolio companies of private equity funds were reminded to closely verify their eligibility before applying.
- SBA将自动支付本金, 感兴趣, 新7(a)的费用, 504和小额贷款是在9月27日之前发放的.
今天还发布了几个常见问题解答:
- 农业生产者 are confirmed to be eligible provided they either have not more than 500 employees or otherwise meet SBA “small business” size standards.
- 合作社是合格的.
以下是PPP贷款计划的概述:
- 贷款人PPP贷款将由银行、信用合作社和其他受监管的贷款机构提供，而不是由SBA提供. PPP贷款将由SBA提供100%的贷款担保. SBA可能会批准其他贷款人. Check with your local business banker to see if they are in the process of getting on board to deliver PPP loans, but realize that banks are still learning about their important role in delivering this program too. SBA的PPP贷款搜索工具
- 符合条件的借款人PPP贷款将提供给:
- 企业(包括非营利组织), 独资企业, 独立承包人, and the self-employed) of all industry sectors (no mention so far of any excluded business sectors)
- 2020年2月15日开始运营
- 员工人数不超过500人(但有允许住宿的特殊规定), 食品服务, 特许经营企业根据员工数量来确定资格 每一个位置) – or businesses with more than 500 employees who nevertheless meet the SBA size standard for their industry sector.
- 贷款规模PPP贷款规模由企业典型的冠状病毒前平均月工资乘以2确定.5美元，但不能超过1000万美元.
- Monthly payroll is calculated based on the business’s wages/salaries/commissions/tips paid (counting 只有 employees whose principal residence is in the US; not to exceed $100,000 per employee) plus benefits and payroll taxes – using the documented amount paid over the last 12 months, 除以12.
- 支付给1099名独立承包商的款项不包括在每月工资中. (独立承包商可以申请自己的PPP贷款.)
- 如果企业在2020年1月31日至2020年4月3日之间收到EIDL, EIDL贷款余额的金额将被添加到PPP贷款金额中, 以便EIDL贷款可以通过PPP贷款全额再融资. (如果企业收到可原谅的10美元,000 EIDL预付款, the advance portion of the EIDL will not be refinanced with the PPP – because the Advance will be forgiven and so there is no need to alter its status.)
- 贷款款项的用途:贷款是 只有 用于下列用途:
- 贷款收益的75%以上必须用于支付工资 and health care benefits for employees whose principal residence is in the US (including to re-hire recently laid-off employees). 请注意，75%的PPP贷款规模(i.e.，等于2.5个月的工资)相当于8周的工资. 的 intent of the PPP loan is to supply forgivable financing sufficient to cover at least 8 weeks of payroll during the disruption of operations caused by coronavirus.
- if applicable: An added amount will be loaned to refinance any EIDL loan received between 1/31/2020 and 4/3/2020 that was used for payroll costs. 该金额将作为所需≥75%的工资使用的一部分计算.
- ≤25%的贷款款项可用于:
- 感兴趣 (but not principal or prepayments) on mortgages and other debt obligations incurred before 2/15/2020
- 2020年2月15日之前到期的租金
- 2020年2月15日前公用设施服务到位
- 资金不得作其他用途. 如果您将PPP用于任何其他目的，您将被要求偿还未经授权的金额. Knowingly using PPP funds for unauthorized purposes will subject the business and its owners to liability and possibly fraud charges.
- 贷款收益的75%以上必须用于支付工资 and health care benefits for employees whose principal residence is in the US (including to re-hire recently laid-off employees). 请注意，75%的PPP贷款规模(i.e.，等于2.5个月的工资)相当于8周的工资. 的 intent of the PPP loan is to supply forgivable financing sufficient to cover at least 8 weeks of payroll during the disruption of operations caused by coronavirus.
- 抵押品:无要求
- 业主个人担保:无要求
- 证明财务需求/信贷别处测试:不适用PPP贷款
- 承保、处理和审批:
- Lenders confirm receipt of required application (with certifications) and average monthly payroll amount documentation, 并遵守银行保密法的规定.
- Lenders have delegated authority to approve PPP loans relying on applicant certifications and documents submitted.
- 看来贷款人完成了一项中小企业管理局表格2484(公私合作贷款机构申请7(a)担保)作为获得SBA 100%担保的一部分.
- 贷款结构: 1.0%， 2年期贷款-首次付款延迟6个月，期间将产生利息. 没有提前付款罚款.
- 贷款费用该公司不支付任何费用. 看来SBA将向贷款人支付处理和管理贷款的费用, 贷款人可以选择支付其中的一部分给他们使用的任何代理, 但是商家不需要支付任何费用.
- 所需申请文件:
- 中小企业管理局表格2483(公私合营借款人申请表格)
- 工资记录(如工资处理机记录、工资税申报、1099-MISC表、收入) & 独资经营者开支, 或其他足以证明工资单符合资格的证明文件)
- 何时以及如何申请:
- Starting 4/3/2020 through 6/30/2020 (or until the $349 billion allocated to the program is exhausted).
- 一旦贷款人准备好接收申请，就会开始接受申请.
- 申请将以先到先得方式处理.
- 贷款人可以使用电子签名.
- 贷款宽恕:
- PPP贷款发放后8周, the business provides documentation to their lender verifying the # of employees on their payroll and how the PPP loan funds were used.
- 全部或部分贷款(本金和利息)可以免除. 具体金额将取决于PPP贷款资金的使用方式, 工资是导致债务减免的主要用途.
- 贷款用于抵押利息时，可免除不超过25%的债务, 租金, 和/或公用事业.
- 债务减免的完整方案仍未完全阐明, 因此，请关注其他细节. But using the PPP loan to pay payroll and maintain your workforce is the main path to maximum debt forgiveness. 看起来，如果75%或更多的贷款用于工资, 剩下的用作利息, 租金, 和/或公用事业, 全部贷款可能会被免除.
- 注:根据SBA网站, PPP forgiveness will be reduced if the PPP borrower’s full-time headcount declines or if salaries and wages decrease. 这方面没有更多的细节.
- 由SBA回购和提前回购已免除的PPP贷款.
- 的 portion of the loan that is forgiven to the business is reimbursed to the lender by SBA under the 100% guarantee, 所以贷款人不会因为债务减免而遭受损失.
- 贷款人可以在7月底向SBA要求偿还th week of their PPP loans’ term in anticipation of that portion of their PPP portfolio that are expected to submit documentation requesting forgiveness.
- SBA将在贷款人提出要求后的15天内偿还贷款人.
经济损失灾害贷款(EIDL)计划
截至7月13日, SBA is still accepting new applications for Economic Injury Disaster Loans and Advance from all eligible small businesses and U.S. 农业企业.
要了解更多有关资格和申请的信息， 点击这里.
2021年4月6日计划变更:
- 从4月6日开始, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000至最多24个月的经济损失，最高贷款额为500元,000.
据报道，农业生产者现在有资格获得EIDL援助. 这一变化是新颁布的法律的一部分，该法律刚刚提供了所有额外的资金.
- 经济损失灾害贷款(EIDL)计划是SBA现有的灾害贷款计划. 它的利息很低, long-term working capital loan to businesses whose cash flow has been disrupted by the coronavirus pandemic. 然而, SBA is continuing to streamline and extend more latitude to get EIDL loan funds into the hands of businesses that need it to survive. 如果提供贷款，申请没有费用，也没有义务接受贷款. SBA encourages all small businesses who need this kind of help to apply and see what SBA can do for them.
- 一万元贷款垫款. 自3月30日起，EIDL计划增加了一个新功能——10美元的机会,EIDL贷款的预支款，将不必偿还. Advance将为每位员工提供1,000美元，最高可达10,000美元. 即使您的EIDL申请被拒绝或仍待处理，EIDL Advance也可能可用. 的 opportunity to apply for an EIDL Advance has been offered since March 30 as part of the online application process. 但是如果你在3月30日之前申请了EIDL, you need to apply again asking for the Advance as explained below; applying for the Advance will not impact the status or slow your existing application.
- 申请EIDL. 一个又 EIDL网上贷款申请门户上线. 该门户允许新申请人申请EIDL贷款和新的10美元,000 EIDL预付款. 的 new 门户网站 is reported to be greatly improved and more robust so that it can gather your application information online rather than requiring you to fill out and upload multiple forms. 所需的信息量也减少了.
- 如果你已经申请了EIDL. 如果您上周成功提交了EIDL申请，请耐心等待. SBA will be contacting all applicants who completed their application to gather any additional information that may be needed, 包括给你申请新10美元的机会,这是上周没有的预支款. 您的申请将以先到先得的方式处理, and when you are asked to update your application you will not lose your position in the application queue.
- 如果您在3月30日之前提交了EIDL申请, 2020 除非你已经被批准或正在与信贷员合作， 你应该 使用新的简化应用程序重新申请 门户网站 如果你还没有这么做的话. 新的应用程序是精简和更快的. 批准通知估计大约需要三天. 这不仅可以保证更快的响应，还可以确保您可以申请 $10,000 EIDL预付款(见上文).
- 如果你开始申请，但从未完成申请不幸的是，你需要重新申请. 但好消息是，您可以使用上面讨论的经过改进的新门户来实现这一点.
- 如果你申请了EIDL被拒绝了. SBA正在审查其过去拒绝EIDL申请的决定，以期提供更大的自由度. SBA现在预计能够批准许多最初被拒绝的申请.