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薪水保障计划
ACFCU is now accepting 薪水保障计划 (PPP) applications from 符合条件的个体户和企业. 立即生效, the SBA is now allowing new PPP applicants who are sole proprietors, 独立承包人, and Self-Employed Individuals to use their IRS Form 1040 Schedule C Gross Income to calculate their eligible PPP loan amount.
The SBA has released new application forms that all borrowers must now use when applying for a PPP loan. Applications with instructions are in the PPP Resources section below. These forms are the most up-to-date drafts available from the SBA but may be subject to change. 申请邮件请发至 business@vbj4.com1 and a 成员 of our business lending team will follow up with you.
PPP申请截止日期已延长. 你r applications must be submitted to ACFCU by 5:00pm Monday, May 24, 2021.
- 2483 - c形式 (第一次抽签，附表C文件)
- 2483 - sd - c (第一次抽签，附表C文件)
- 2483年形成 (第一次抽签-修订)
- 2483年形成 (第二次抽签-修订)
- PPP首次提取贷款概述
- PPP二次提取贷款概述
- US Chamber of Commerce Guide to Small Business COVID-19 Emergency Loans
购买力平价的资格 & 应用程序信息
符合条件的个体户和企业 with 500 or fewer employees who did not previously receive a PPP loan may apply for a PPP loan (subject to all other applicable application requirements and program rules).
Previous recipients of PPP loans will be eligible for a second loan if, 在其他要求中, 他们:
- Have used the full amount of their first PPP loan for eligible purposes.
- Have 300 or fewer employees (second-time PPP borrowers with 300 or fewer employees will generally be eligible to borrow an amount equal to 2.是他们平均月薪的5倍.)
- Have sustained a 25% revenue loss in any quarter of 2020 relative to the same quarter of 2019. This will need to be documented and verified with your application.
- 贷款的最高限额为200万美元.00.
ACFCU is asking applicants who already received a PPP loan in 2020 to take part in the forgiveness application process for that loan as they apply for a second PPP loan. 这可能有助于确保SBA免除两笔PPP贷款.
PPP贷款减免更新
如果你有一个PPP贷款与我们少于150美元,000 funded in 2020 please check your email for the New Abbreviated Loan Forgiveness Application
If you have a first round PPP Loan that was funded in 2020 for an amount under $150,000, please complete the New Abbreviated Loan Forgiveness Application as soon as possible. 您可以通过我们的在线宽恕门户访问该表格. If you never received a link to the Forgiveness Portal or have issues accessing it, 请发邮件给我们的团队 business@vbj4.com1. If you have any questions, you are welcome to submit them to that email address.
When going through the portal, please keep in mind the following:
- 你 will need to upload your documentation on how you used the loan proceeds directly in the portal
- 你 不 need to complete and upload an actual Loan Forgiveness Application Form. 在你的申请被中华总工会审查和批准后, then you will receive an email to complete and digitally sign an application that will be created by the system
- 你r application will then be routed to the SBA for final approval and refund
常见问题
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What costs are eligible for forgiveness under the original PPP?
- Compensation (salary, wage, commission, or similar compensation, payment of cash tip or equivalent)
- Payment for vacation, pa租金al, family, medical, or sick leave
- 解雇或离职津贴
- Payment required for the provisions of group health care benefits, including insurance premiums
- 支付任何退休福利
- Payment of State or local tax assessed on the compensation of employees
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在原来的购买力平价中，哪些成本不符合工资标准?
- 员工/业主补偿超过10万美元
- Taxes imposed or withheld under chapters 21, 22, and 24 of the IRS code
- Compensation of employees whose principal place of residence is outside of the U.S.
- Qualified sick and family leave for which a credit is allowed under sections 7001 and 7003 of the Families First 冠状病毒的反应 Act.
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我原来的PPP贷款有多少会被免除?
你 will owe money when your loan is due if you use the loan amount for anything other than payroll costs, 抵押贷款利率, 租金, and utility payments over the eight weeks after getting the loan. No more than 40% of the forgiven amount may be for non-payroll costs.
你 will also owe money if you 不 maintain your staff and payroll.
- Number of Staff: 你r loan forgiveness will be reduced if you decrease your full-time employee headcount.
- Level of Payroll: 你r loan forgiveness will also be reduced if you decrease salaries and wages by more than 25% for any employee that made less than $100,到2019年，每年将达到1000万美元.
- 重新招聘:截止到12月31日, 2020, to restore your full-time employment and salary levels for any changes made between February 15, 2020, 及四月二十六日, 2020.
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如果PPP贷款资金被滥用会发生什么?
If you use PPP funds for unauthorized purposes, SBA will direct you to repay those amounts. 如果你故意将资金用于未经授权的目的, you will be subject to additional liability such as charges for fraud. 如果你的股东之一, 成员, 或合作伙伴将PPP资金用于未经授权的目的, SBA将对股东有追索权, 成员, 或合作伙伴未经授权使用.
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适用会员资格和资格要求.
1Please 不 submit your account number or social security number via email or contact form. 信息 sent is at risk of loss of confidentiality if the information is transmitted over the internet.