{"id":1352,"date":"2020-04-03T18:31:57","date_gmt":"2020-04-03T18:31:57","guid":{"rendered":"https:\/\/www.bowditch.com\/bowditchrealestateblog\/?p=1352"},"modified":"2022-05-19T12:49:54","modified_gmt":"2022-05-19T16:49:54","slug":"cares-act-payroll-protection-loan-program-us-treasury-issues-updated-guidance","status":"publish","type":"post","link":"https:\/\/www.bowditch.com\/bowditchrealestateblog\/2020\/04\/03\/cares-act-payroll-protection-loan-program-us-treasury-issues-updated-guidance\/","title":{"rendered":"CARES Act Payroll Protection Loan Program \u2013 US Treasury Issues Updated Guidance"},"content":{"rendered":"<p>The United States Treasury and Small Business Administration (SBA) issued guidance late in the day on March 31, 2020 updating and clarifying certain portions of the CARES Act Payroll Protection Program.<\/p>\n<p>The Treasury\u2019s announcement confirms that all loans will have identical features, including a fixed interest rate of .5% per annum and a maturity term of 2 years.\u00a0 <a href=\"https:\/\/www.bowditch.com\/2020\/03\/31\/client-alert-cares-act-small-business-administrations-payroll-protection-loan-program-explained\/\" target=\"_blank\" rel=\"noopener noreferrer\">Our previous alert<\/a> referenced the text of the CARES Act bill providing for loans with a 10-year maturity with an interest rate not to exceed 4% per annum, but the Treasury\u2019s guidance lowered the interest rate and maturity period.<\/p>\n<p>Payroll Protection loans can be obtained in amounts of up to two months of average monthly payroll costs from the last year plus an additional 25% of that amount (i.e., 2.5 times the average monthly amount), subject to a $10 million cap.\u00a0 \u00a0The CARES Act was originally unclear on how to treat employees making over $100,000, but the guidance clarifies that \u201cPayroll Costs\u201d are subject to a straight cap of $100,000 on an annualized basis for each employee.\u00a0 In other words, for employees making more than $100,000, the employer can borrow 2.5 times monthly payroll costs based on an annualized salary of $100,000.<\/p>\n<p><a href=\"https:\/\/www.bowditch.com\/2020\/03\/31\/client-alert-cares-act-small-business-administrations-payroll-protection-loan-program-explained\/\" target=\"_blank\" rel=\"noopener noreferrer\">As detailed in our previous Alert<\/a>, loan recipients will owe money when their loan becomes due if loan amounts are used for anything other than payroll costs, mortgage interest, rent, and utilities payments over the 8 weeks after getting the loan.\u00a0 Importantly, the Treasury guidance clarifies that for loan forgiveness, it is anticipated that not more than 25 percent\u00a0of the forgiven amount may be for non-payroll costs.<\/p>\n<h2>Whether, When and How to Apply<\/h2>\n<p>It is recommended that businesses and non-profits take the time to analyze and plan for how the loan funds will be used, and to estimate the amount of the loan that can be forgiven.<\/p>\n<p>The Treasury guidance indicates that starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.\u00a0 Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.<\/p>\n<p>To apply, businesses and non-profits need to complete the Paycheck Protection Program loan application and submit the application with the required documentation to an approved lender beginning on April 3, 2020. \u00a0<a href=\"https:\/\/home.treasury.gov\/system\/files\/136\/Paycheck-Protection-Program-Application-3-30-2020-v3.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Click HERE for the application.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The United States Treasury and Small Business Administration (SBA) issued guidance late in the day on March 31, 2020 updating and clarifying certain portions of the CARES Act Payroll Protection Program. The Treasury&rsquo;s announcement confirms that all loans will have identical features, including a fixed interest rate of .5% per&hellip;<\/p>\n","protected":false},"author":1,"featured_media":1320,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[175,174],"tags":[178,166,169,179,180],"class_list":["post-1352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-covid-19-resources","category-proposed-legislation","tag-cares-act","tag-coronavirus","tag-covid-19","tag-payroll-protection-loan","tag-small-business-administration"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CARES Act Payroll Protection Loan Program \u2013 US Treasury Issues Updated Guidance - Commercial Real Estate Insight &amp; News<\/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:\/\/www.bowditch.com\/bowditchrealestateblog\/2020\/04\/03\/cares-act-payroll-protection-loan-program-us-treasury-issues-updated-guidance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CARES Act Payroll Protection Loan Program \u2013 US Treasury Issues Updated Guidance - Commercial Real Estate Insight &amp; News\" \/>\n<meta property=\"og:description\" content=\"The United States Treasury and Small Business Administration (SBA) issued guidance late in the day on March 31, 2020 updating and clarifying certain portions of the CARES Act Payroll Protection Program. 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