bet9游戏平台 continues to track the evolving landscape of federal financial programs offered in the wake of the business disruption caused by the coronavirus crisis. 12月21日, 2020, 国会参众两院通过了《bet9游戏平台》. 看到 我们的文章为高层次的总结 该法案所包含的一些条款. 对遭受重创的小企业的经济援助, 非营利组织, 和场地法(经济援助法), 这是法案的一部分吗, includes revisions to the 工资保障计划(PPP) that was established under the Corona Aid, 《bet9游戏平台》.
额外合格费用
对于尚未被免除的贷款, 借款人现在可能还会将可原谅成本包括在内, 根据经济援助法案的定义, 以下几点:
- 任何承保的业务开支;
- 任何承保的财产损失费用;
- Any covered supplier cost; and
- 任何已承保的工人保护开支
另外, eligible health benefit costs have been expanded to include more than the continuation of group health care benefits under the definition of the maximum loan and forgivable uses. Now included in health care costs are group life, disability, vision and dental insurance. 根据财政部长和SBA发布的临时最终规定, 视力和牙科保险费用已经包括在可原谅的费用中, but this expands those costs to be included as a part of the calculation of a borrower’s maximum loan. This is important since borrowers have the ability to increase their original loan under the Economic Aid Act.
The effective date of the revision and inclusion of these costs are as of the effective date of the CARES Act, 3月27日, 2020.
选择承保期限的宽免
The definition of the covered period has been revised under the Economic Aid Act to be any period between 8 weeks and 24 weeks. 在原来的规则下, 6月5日前发放贷款的借款人, 2020, 投保期是8周还是24周. Borrowers with loan originations after June 5, 2020 could only use a 24-week covered period. Many borrowers have found themselves spending significantly more than the loan proceeds throughout their covered period and weighting prudent business decisions (i.e. layoffs and furloughs) due to lasting impact of COVID-19 on some business sectors and the impact of their forgiveness. Revising the covered period to allow for a business to “cut-off” the period prior the end of 24 weeks will allow the borrower to better manage their business based on economic conditions.
简化宽恕申请
贷款少于150美元,000, a simplified forgiveness application will be required to be released by the SBA within 24 days from the enactment date of the Economic Aid Act. The application is required to be not more than 1 page and will require the borrower to provide the following information:
- Description of the number of employees the borrower was able to retain as a result of the loan;
- The estimated amount of the covered loan amount spent; and
- 贷款总额
Borrowers seeking forgiveness will be required to attest that the applications accurately provided the required certification and complied with requirements under the PPP forgiveness costs (i.e. 用于符合条件的费用的资金). Borrowers will be required to retain records related to their forgiveness that support employment matters for 4 years, 还有3年的其他记录.
超过15万美元的贷款所需文件保持不变.
要求增加贷款金额
《bet9平台游戏》要求这样做, 自颁布之日起17日内, the SBA issue guidance for eligible entities to request increases in their loan as a result of changes to the rules. 也, for approved borrowers that returned their loan funds or did not take the maximum loan amount allowed under the rules, 这些借款人也可以重新申请贷款.
季节性雇主的定义
The Economic Aid Act provides a definition of a seasonal employer: (a) a business that does not operate more than 7 months during a calendar year; and (b) during the preceding calendar year gross receipts for any 6 months were not more than 33.其余6个月的33%.
符合条件的实体
The following entities 根据经济援助法案的定义 are now eligible for PPP loans:
- Housing Cooperatives, however, these entities are subject to a limit of 300 employees;
- 个别电台、报纸和公共广播机构;
- 501(c)(6) and Designation marketing organizations; and
- 某组织在破产程序中
禁止游说活动
《bet9平台游戏》还包括其他影响购买力平价的条款. It prohibited the use of loan proceeds for the use of lobbying activities that it defines.
承诺与权威
根据最初的PPP,贷款有效期至2020年8月8日. 一旦《bet9平台游戏》生效,新的贷款将被取消 符合条件的实体和第二次抽签 到2021年3月31日,还是等到资金用完. PPP1和PPP2的可用资金总额为806美元.450亿年. 截至2020年8月8日,价格为525美元.在第一轮中分配了10亿美元.
正如我们看到的购买力平价的存在, the Small Business Administration (SBA) will be a under significant time crunch to issue regulations to carry out this Act, as it has 10 days from the enactment of the bill issue such regulations unless otherwise provided in the Economic Aid Act.
If you need more information or assistance regarding your PPP loan, visit our website at dgbts66.com/ppp,联系你在施耐德唐斯的熟人,或者联系乔尔·罗森塔尔 jrosenthal@dgbts66.com.