{"id":4504,"date":"2021-01-29T13:52:37","date_gmt":"2021-01-29T18:52:37","guid":{"rendered":"https:\/\/scarletoakfs.webarc.dev\/?p=4504"},"modified":"2023-08-09T14:25:55","modified_gmt":"2023-08-09T18:25:55","slug":"what-you-need-to-know-about-second-draw-ppp-loans","status":"publish","type":"post","link":"https:\/\/scarletoakfs.com\/what-you-need-to-know-about-second-draw-ppp-loans\/","title":{"rendered":"What You Need To Know About Second-Draw PPP Loans!"},"content":{"rendered":"<p>The Paycheck Protection Program has been reestablished with $137 billion for second draw loans for still struggling small business owners.\u00a0 Second-draw PPP loans are open to businesses that applied for the first round of money back in the spring of 2020.\u00a0 PPP loans look to create a second infusion of money to small businesses that are still struggling with the ongoing economic impact that the COVID-19 pandemic has produced. Application for second- draw PPP loans are through community financial institutions (links below to find a lender or talk to your banker).<\/p>\n<h5><strong>Some of the loan highlights include:<\/strong><\/h5>\n<ul>\n<li>Apply for up to $2 million for eligible expenses.<\/li>\n<li>1% annual percentage rate with maturity of 5 years<\/li>\n<li>Up to 100% can be forgiven if used for designated expenses while maintaining salaries and headcount for the covered period.<\/li>\n<li>No collateral or personal guarantees are required.<\/li>\n<li>SBA reopened on January 13, 2021 for the 2<sup>nd<\/sup> round once the money is gone its gone so you may want to apply earlier.<\/li>\n<li>While $284 billion is set aside, $25 Billion is being set aside to eligible borrowers with a maximum of 10 employees or for loans of $250,000 or less in low- or moderate-income neighborhoods. And $60 million of that is set aside for businesses that did not get a loan the first time.<\/li>\n<li>Funds can be used to pay for salaries, mortgage interest, rent, utilities, worker protection costs related to COVID-19, uninsured property damage costs caused by looting or vandalism during 2020, and certain supplier costs and expenses for operations.<\/li>\n<li>For most borrowers, the maximum loan amount for the 2<sup>nd<\/sup> draw is 2.5x average monthly 2019 or 2020 payroll costs up to $2 million.\u00a0 For borrowers in the accommodation and food services sector, the maximum loan is 3.5x average monthly 2019 or 2020 payroll costs up to $2 million.<\/li>\n<\/ul>\n<h5><strong>Who may qualify for the second round of PPP?<\/strong><\/h5>\n<ul>\n<li>Previously received a first draw PPP Loan and will or has used the full amount only for authorized uses.<\/li>\n<li>Has no more than 300 employees.<\/li>\n<li>Can demonstrate at least a 25% reduction in gross receipts between comparable quarters in 2019 and 2020.<\/li>\n<\/ul>\n<h5><strong>Where to apply:<\/strong><\/h5>\n<ol>\n<li><a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\/coronavirus-relief-options\/paycheck-protection-program\/first-draw-ppp-loans\">https:\/\/www.sba.gov\/funding-programs\/loans\/coronavirus-relief-options\/paycheck-protection-program\/first-draw-ppp-loans<\/a><\/li>\n<li><a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\/coronavirus-relief-options\/paycheck-protection-program\/second-draw-ppp-loans\">https:\/\/www.sba.gov\/funding-programs\/loans\/coronavirus-relief-options\/paycheck-protection-program\/second-draw-ppp-loans<\/a><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>Good luck, and here is to a great 2021! We encourage you to get with your banker and CPA for assistance. \u00a0<strong>Scarlet Oak Financial Services can be reached at\u00a0<\/strong><a href=\"tel:8008711219\"><strong>800.871.1219<\/strong><\/a><strong>\u00a0or\u00a0<\/strong><a href=\"https:\/\/scarletoakfs.com\/contact-us\/\"><strong>contact us here<\/strong><\/a><strong>.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h5><em>Sources<\/em><\/h5>\n<p><em><a href=\"https:\/\/www.nerdwallet.com\/article\/small-business\/how-businesses-can-apply-for-a-second-ppp-loan\">https:\/\/www.nerdwallet.com\/article\/small-business\/how-businesses-can-apply-for-a-second-ppp-loan<\/a><\/em><\/p>\n<p><em><a href=\"https:\/\/www.sba.gov\/document\/sba-form-2483-sd-ppp-second-draw-borrower-application-form\">https:\/\/www.sba.gov\/document\/sba-form-2483-sd-ppp-second-draw-borrower-application-form<\/a><\/em><\/p>\n<p><em><a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\/coronavirus-relief-options\/paycheck-protection-program\/second-draw-ppp-loans\">https:\/\/www.sba.gov\/funding-programs\/loans\/coronavirus-relief-options\/paycheck-protection-program\/second-draw-ppp-loans<\/a><\/em><\/p>\n<p><em><a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2021-01\/Guidance%20on%20Accessing%20Capital%20for%20Minority%20Underserved%20Veteran%20and%20Women%20Owned%20Business%20Concerns%20.pdf\">https:\/\/www.sba.gov\/sites\/default\/files\/2021-01\/Guidance%20on%20Accessing%20Capital%20for%20Minority%20Underserved%20Veteran%20and%20Women%20Owned%20Business%20Concerns%20.pdf<\/a><\/em><\/p>\n<p><em><a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2021-01\/PPP%20--%20IFR%20--%20Second%20Draw%20Loans%20%281.6.2021%29-508.pdf\">https:\/\/www.sba.gov\/sites\/default\/files\/2021-01\/PPP%20&#8211;%20IFR%20&#8211;%20Second%20Draw%20Loans%20%281.6.2021%29-508.pdf<\/a><\/em><\/p>\n<p><em><a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2021-01\/PPP%20--%20IFR%20--%20Paycheck%20Protection%20Program%20as%20Amended%20by%20Economic%20Aid%20Act%20%281.6.2021%29-508.pdf\">https:\/\/www.sba.gov\/sites\/default\/files\/2021-01\/PPP%20&#8211;%20IFR%20&#8211;%20Paycheck%20Protection%20Program%20as%20Amended%20by%20Economic%20Aid%20Act%20%281.6.2021%29-508.pdf<\/a><\/em><\/p>\n<p><em>This material has been prepared for informational purposes.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Paycheck Protection Program has been reestablished with $137 billion for second draw loans for still struggling small business owners.\u00a0 Second-draw PPP loans are open to businesses that applied for&#8230;<\/p>\n","protected":false},"author":3,"featured_media":6843,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[741,594],"tags":[317,61,62,318,319,320,321,322],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.5 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What You Need To Know About Second-Draw PPP Loans! 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