{"id":6685,"date":"2020-04-01T15:06:56","date_gmt":"2020-04-01T15:06:56","guid":{"rendered":"https:\/\/diazreus.com\/loans-under-the-paycheck-protection-program\/"},"modified":"2021-01-12T16:00:27","modified_gmt":"2021-01-12T16:00:27","slug":"loans-under-the-paycheck-protection-program","status":"publish","type":"post","link":"https:\/\/diazreus.com\/ru\/loans-under-the-paycheck-protection-program\/","title":{"rendered":"Loans Under the Paycheck Protection Program"},"content":{"rendered":"<div>The Small Business Administration along with the U.S. Department of the Treasury recently determined the dates that eligible businesses are able to apply for loans under the Paycheck Protection Program.\u00a0DRT is here to help businesses apply for a loan under the Paycheck Protection Program.<\/div>\n<div><\/div>\n<div>The Paycheck Protection Program loan application can be found <a href=\"https:\/\/diazreus.com\/wp-content\/uploads\/2020\/04\/PPP-Application.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" data-link-type=\"web\">here<\/a>.<\/div>\n<div><\/div>\n<div><strong>1. When should I apply?<\/strong>\u00a0If you are a small business with 500 employees or less, a non-profit, or a sole proprietorship, you are eligible to apply for a loan under the new Paycheck Protection Program starting on April 3, 2020.\u00a0Independent contractors are eligible to apply for a loan on April 10, 2020.\u00a0Borrowers should be aware that loans under the Paycheck Protection Program are only available through June 30, 2020.\u00a0The CARES Act designates a certain amount of funds to be used for loans under the program, so businesses in need are encouraged to apply sooner rather than later.<\/div>\n<div><\/div>\n<div><strong>2. How can I apply for a loan under the Paycheck Protection Program?<\/strong>\u00a0To apply for a loan under the Paycheck Protection Program, borrowers must go through a lender.\u00a0All FDIC insured lenders are able to issue loans under the program; however, lenders with previous experience issuing loans to small businesses under the Small Business Act (also known as 7(a) Loans) may be better equipped to deal with a loan under the Paycheck Protection Program.\u00a0Currently, there are nearly 1,700 lenders who are approved by the Small Business Administration to issue 7(a) Loans.\u00a0A list of lenders can be found <a href=\"https:\/\/www.sba.gov\/article\/2020\/mar\/02\/100-most-active-sba-7a-lenders\" target=\"_blank\" rel=\"noopener noreferrer\" data-link-type=\"web\">here<\/a>.<\/div>\n<div><\/div>\n<div><strong>3.\u00a0How much can I borrow under the Paycheck Protection Program?<\/strong>\u00a0Under the Paycheck Protection Program, a borrower can apply for a loan in an amount equal to the average total monthly payments of the business\u2019 payroll costs incurred during a one-year period prior to the date of the loan application, multiplied by 2.5.\u00a0However, if the business requesting the loan was not in business beginning on February 15, 2019 through June 30, 2019, the borrower should calculate the business\u2019 average total monthly payments for payroll costs incurred during January 1, 2020 through February 29, 2020 and multiply that figure by 2.5.\u00a0The maximum loan amount under the Paycheck Protection Program cannot exceed $10 million.<\/div>\n<div><\/div>\n<div><strong>4. What are considered payroll costs?<\/strong>\u00a0Under Section 1102(a), the Paycheck Protection Program defines \u201cpayroll costs\u201d as the combination of 1) salary, wages, and commissions; 2) cash tips; 3) payment for vacation, parental, medical, family, or sick leave; 4) allowance for dismissal or separation; 5) payment required for provisions of healthcare benefits including insurance premiums; 6) payment of retirement benefits; 7) payment of local tax assessed on the compensation of employees; and 8) any compensation or income payments made to a sole proprietor or independent contractor that is a wage, commission, income, or net earnings from self-employment or similar compensation\u2013this amount cannot be greater than $100,000.00 in one year.<\/div>\n<div><\/div>\n<div>Tel: + 305 375 9220<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Small Business Administration along with the U.S. Department of the Treasury recently determined the dates that eligible businesses are able to apply for loans under the Paycheck Protection Program. DRT is here to help businesses apply for a loan under the Paycheck Protection Program.<\/p>\n","protected":false},"author":1,"featured_media":5145,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rs_blank_template":"","rs_page_bg_color":"#ffffff","slide_template_v7":"","inline_featured_image":false,"footnotes":""},"categories":[553,330,398],"tags":[],"class_list":["post-6685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ru-2","category-articles-ru","category----19"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Loans Under the Paycheck Protection Program<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/diazreus.com\/ru\/loans-under-the-paycheck-protection-program\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Loans Under the Paycheck Protection Program\" \/>\n<meta property=\"og:description\" content=\"The Small Business Administration along with the U.S. Department of the Treasury recently determined the dates that eligible businesses are able to apply for loans under the Paycheck Protection Program. 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