Updated: Paycheck Protection Program

Applications are closed | 申請已關閉 | Las aplicaciones se han cerrado

traducción al español a continuación |下面有中文

Forgivable payroll loans / applications close May 31, 2021 (or whenever funds are depleted).

This information is available multiple languages on the SBA site, including English, Chinese, Vietnamese and Spanish.

SBA also announced four additional changes to open the PPP to more small businesses. They will:

  • Allow sole proprietors, independent contractors, and self-employed individuals to receive more financial support by revising the PPP’s funding formula for these categories of applicants;

  • Eliminate an exclusionary restriction on PPP access for small business owners with prior non-fraud felony convictions, consistent with a bipartisan congressional proposal;

  • Eliminate PPP access restrictions on small business owners who have struggled to make student loan payments by eliminating student loan debt delinquency as a disqualifier to participating in the PPP; and

  • Ensure access for non-citizen small business owners who are lawful U.S. residents by clarifying that they may use Individual Taxpayer Identification Number (ITIN) to apply for the PPP.

As part of the latest Congress relief package, the SBA Paycheck Protection Program will accept new applications on Monday, Jan 11, 2021.

Eligible businesses:

  • First-time qualified borrowers including

    • Sole proprietors, independent contractors, and self-employed persons

    • Any small business concern that meets SBA’s size standards (either the industry size standard or the alternative size standard)

    • Any business, 501(c)(3) non-profit organization, 501(c)(19) veterans organization, or tribal business concern (sec. 31(b)(2)(C) of the Small Business Act) with the greater of:

      • 500 employees or that meets the SBA industry size standard if more than 500

    • Any business with a NAICS code that begins with 72 (Accommodations and Food Services) that has more than one physical location and employs less than 500 per location

    • Read more about the requirements here

  • Second-time borrowers Businesses that previously received a loan as a new “second-draw” option, including businesses

    • 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

    • Read more about the requirements here

Participating lenders:

可宽恕的薪资贷款/申请将于2021年5月31日截止（或资金耗尽时）。

在SBA网站上可以使用多种语言获得此信息，包括英语，中文，越南语和西班牙语。

SBA还宣布了四项其他更改，以向更多小型企业开放PPP。他们将：

  • 通过修改PPP针对这些类别申请人的资助公式，允许独资经营者，独立承包商和个体经营者获得更多的财务支持；

  • 取消对先前拥有非欺诈性重罪判决的小企业主的PPP访问的排他性限制，这与两党国会的提议是一致的；

  • 通过消除过期的学生贷款债务作为PPP贷款的取消资格，难以偿还学生贷款的企业主可以参与PPP贷款；和

  • 合法的美国居民的非公民小企业主可以使用个人纳税人识别号（ITIN）申请PPP贷款。

作为最新的国会救济计划的一部分，SBA薪资保护计划将在2021年1月11日星期一接受新的申请。

符合条件的企业：

  • 首次合格借款人，包括

    • 独资，独立承包商和合格的个体经营者。

    • 符合SBA尺寸标准（行业尺寸标准或替代尺寸标准）的任何小型企业

    • 任何生意，501(c)(3) 非营利组织，501(c)(19) 退伍军人组织，或tribal business concern (sec. 31(b)(2)(C) of the Small Business Act) 超过：

      • 500名员工，或且符合SBA行业规模标准如果超过500名员工

    • 任何以NAICS代码开头为72（住宿和食品服务）的公司，且该公司的实际地点不只一个，并且每个地点的雇员人数少于500

    • 在此处阅读有关要求的更多信息

  • 以前以新的“二次提取”方式获得贷款的企业，包括企业

    • 拥有300名或更少的员工。

    • 已根据计划要求使用或将使用其首笔PPP贷款的全部金额。

    • 能够显示2020年任何一个季度的总收入比2019年同期下降25％。

    • 在此处阅读有关要求的更多信息

先前的贷方包括以下内容-PPP应用程序上线后将进行更新：