2nd Draw PPP & New Guidance (中文)

The U.S. Small Business Administration (SBA), in consultation with the Treasury Department, announced today that the Paycheck Protection Program (PPP) will re-open the week of January 11 for new borrowers and certain existing PPP borrowers.

 

To promote access to capital, initially only community financial institutions will be able to make First Draw PPP Loans on Monday, January 11, and Second Draw PPP Loans on Wednesday, January 13. The PPP will open to all participating lenders shortly thereafter. Updated PPP guidance outlining Program changes to enhance its effectiveness and accessibility was released on January 6 in accordance with the Economic Aid to Hard-Hit Small Businesses, Non-Profits, and Venues Act.

 

This round of the PPP continues to prioritize millions of Americans employed by small businesses by authorizing up to $284 billion toward job retention and certain other expenses through March 31, 2021, and by allowing certain existing PPP borrowers to apply for a Second Draw PPP Loan.

 

“The historically successful Paycheck Protection Program served as an economic lifeline to millions of small businesses and their employees when they needed it most,” said SBA Administrator Jovita Carranza. “Today’s guidance builds on the success of the program and adapts to the changing needs of small business owners by providing targeted relief and a simpler forgiveness process to ensure their path to recovery.”

 

“The Paycheck Protection Program has successfully provided 5.2 million loans worth $525 billion to America’s small businesses, supporting more than 51 million jobs,” said Treasury Secretary Steven T. Mnuchin. “This updated guidance enhances the PPP’s targeted relief to small businesses most impacted by COVID-19. We are committed to implementing this round of PPP quickly to continue supporting American small businesses and their workers.”

 

Key PPP updates include:

 

  • PPP borrowers can set their PPP loan’s covered period to be any length between 8 and 24 weeks to best meet their business needs;

  • PPP loans will cover additional expenses, including operations expenditures, property damage costs, supplier costs, and worker protection expenditures;

  • The Program’s eligibility is expanded to include 501(c)(6)s, housing cooperatives, direct marketing organizations, among other types of organizations;

  • The PPP provides greater flexibility for seasonal employees;

  • Certain existing PPP borrowers can request to modify their First Draw PPP Loan amount; and

  • Certain existing PPP borrowers are now eligible to apply for a Second Draw PPP Loan. A borrower is generally eligible for a Second Draw PPP Loan if the borrower:

  • Previously received a First Draw PPP Loan and will or has used the full amount only for authorized uses;

  • Has no more than 300 employees; and

  • Can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020.

最新~~第二轮薪资保护PPP计划1月11日即将开放

 

联邦小企业署与财政部在1月8日宣布, 薪资保护计划(PPP)将于1月11日重新开放,面向首次PPP借款人和部分现有的PPP借款人接受申请。 

为了让借款人可以更好地获得资金,社区金融机构将可以在1月11日替首次申请PPP的借款人提交借款申请,在1月13日为第二轮PPP申请者提交借款申请。

之后,PPP贷款项目将面向所有的金融机构及申请人开放。所以如果想赶上首班车,需尽快与社区的金融机构及银行探讨申请事宜。

这是由于本轮的PPP项目,优先考虑受雇于小企业的雇员们,通过提供高达2840亿美元的资金,并允许已经申请过第一轮PPP贷款的人再次申请,以此来保留工作岗位。

此外,此轮的“薪资保护计划(PPP)”也做出了一些修改。其中:

  • 薪资保护计划PPP借款人可以将PPP贷款的覆盖期设置为8周至24周之间的任意长度,以最大限度地满足其营运需求。

  • 薪资保护计划PPP贷款除了用在薪资和房租、水电费用等,还可允许用于覆盖部分额外的费用,包括运营支出、财产损失费用、供应商费用和工人保护支出。

  • 包括501(c)(6)性质的机构、共有公寓机构、直销组织以及其他类型的组织。

  • 该方案为季节性雇员提供了更多的灵活性。

  • 对于已经获得首轮薪资保护计划PPP借款者,可以申请修改其首轮PPP贷款的额度;以及可自动获得申请第二轮PPP贷款的资格。不过,需要符合以下条件,包括1)之前获得首轮PPP贷款,并将或已经将全部金额用于规定用途;2) 企业雇员人数不超过300人;3)以及能证明2019年和2020年可比季度之间的总收入至少减少25%。

详细内容,可查阅联邦小企业署的网站www.sba.gov

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