{"id":9276,"date":"2020-04-07T15:26:46","date_gmt":"2020-04-07T20:26:46","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=9276"},"modified":"2020-11-16T14:15:33","modified_gmt":"2020-11-16T20:15:33","slug":"18-ppp-faqs","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/","title":{"rendered":"SBA Issues 18 FAQs on PPP Loans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9276\" class=\"elementor elementor-9276\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-7e490126 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"7e490126\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c60ae8b ae-bg-gallery-type-default\" data-id=\"c60ae8b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4605f08d elementor-widget elementor-widget-heading\" data-id=\"4605f08d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">April 6 Guidance from the SBA on Paycheck Protection Program (PPP) Loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-198e1505 elementor-widget elementor-widget-text-editor\" data-id=\"198e1505\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/april-6-ppp-loan-guidance\/\">our blog post yesterday morning<\/a><\/span>, CWA was hopeful that the SBA would be issuing new guidance soon to clear up additional confusion surrounding PPP loans.\u00a0<\/p><p>At 10:00 p.m. on April 6, the SBA issued much needed guidance in the form of 18 FAQs regarding PPP loans.\u00a0 The full list of 18 FAQs issued by the SBA <span style=\"text-decoration: underline;\"><a href=\"https:\/\/home.treasury.gov\/system\/files\/136\/Paycheck-Protection-Program-Frequently-Asked-Questions.pdf\">can be found here<\/a><\/span>.\u00a0<\/p><p>CWA has reviewed the FAQs and will address two of the SBA\u2019s answers that will impact your PPP loan:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-1dd50c23 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"1dd50c23\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5aa79f4b ae-bg-gallery-type-default\" data-id=\"5aa79f4b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35ada97 elementor-widget elementor-widget-text-editor\" data-id=\"35ada97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Question #7:<\/strong> The CARES Act excludes from the definition of payroll costs any employee compensation in excess of an annual salary of $100,000. Does that exclusion apply to all employee benefits of monetary value?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-322a03c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"322a03c4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-708b3143 ae-bg-gallery-type-default\" data-id=\"708b3143\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30d898e9 elementor-widget elementor-widget-text-editor\" data-id=\"30d898e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>SBA Answer: \u00a0<\/strong><\/p><p>No. The exclusion of compensation in excess of $100,000 annually applies only to cash compensation, not to non-cash benefits, including:<\/p><ul><li>employer contributions to defined-benefit or defined-contribution retirement plans<\/li><li>payment for the provision of employee benefits consisting of group health care coverage, including insurance premiums and<\/li><li>payment of state and local taxes assessed on compensation of employees<\/li><\/ul><p>\u00a0<\/p><p><strong>CWA Commentary &amp; Strategy:<\/strong><\/p><p>The $100,000 salary limitation does not include employer-paid group health insurance premiums, retirement plan contributions (for both 401(k) and Defined Benefit and Cash Balance plans) and state and local taxes.\u00a0 As such, this enhanced guidance paves the way for clients to nail down an accurate loan qualification amount. \u00a0We would encourage all CWA clients to work with your local banker to make sure you are getting full credit for any group health insurance premiums and retirement plan contributions for yourself and your staff as a result of this enhanced guidance.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-49204d2 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"49204d2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-47cae4f ae-bg-gallery-type-default\" data-id=\"47cae4f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b0528c elementor-widget elementor-widget-text-editor\" data-id=\"6b0528c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Question #16: <\/strong>How should a borrower account for federal taxes when determining its payroll costs for purposes of the maximum loan amount, allowable uses of a PPP loan, and the amount of a loan that may be forgiven?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-bfa4392 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"bfa4392\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d5ce05 ae-bg-gallery-type-default\" data-id=\"7d5ce05\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2499d99 elementor-widget elementor-widget-text-editor\" data-id=\"2499d99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\"><b>SBA Answer: <\/b><\/p><p class=\"MsoNormal\">Under the Act, payroll costs are calculated on a gross basis without regard to (i.e., not including subtractions or additions based on) federal taxes imposed or withheld, such as the employee\u2019s and employer\u2019s share of Federal Insurance Contributions Act (FICA) and income taxes required to be withheld from employees. As a result, payroll costs are not reduced by taxes imposed on an employee and required to be withheld by the employer, but payroll costs do not include the employer\u2019s share of payroll tax. For example, an employee who earned $4,000 per month in gross wages, from which $500 in federal taxes was withheld, would count as $4,000 in payroll costs. The employee would receive $3,500, and $500 would be paid to the federal government. However, the employer-side federal payroll taxes imposed on the $4,000 in wages are excluded from payroll costs under the statute.<\/p><p class=\"MsoNormal\"><b>CWA Commentary &amp; Strategy:<\/b><\/p><p class=\"MsoNormal\">This guidance clears up a lot of confusion surrounding the definition of payroll costs, for both loan qualification and forgiveness purposes.\u00a0 The SBA is now clear that federal and state taxes withheld are not subtracted from gross pay.\u00a0 In addition, it is now clear that the employer\u2019s share of payroll taxes (Social Security and Medicare) should not be added to gross payroll.\u00a0 If your payroll provider previously issued a payroll summary report including payroll taxes paid as part of your gross wages, you will need to get a new payroll summary report from them.\u00a0 If you already applied for your PPP loan, on or before April 6, and used payroll taxes in your calculation of gross pay, you will fall under a safe harbor provision.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-5b594aa elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"5b594aa\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-632754e9 blue-box ae-bg-gallery-type-default\" data-id=\"632754e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60441b2e elementor-widget elementor-widget-text-editor\" data-id=\"60441b2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To hear more about the PPP loan process, taking into account last night\u2019s communication from the SBA, listen to our latest webinar, <strong><u><a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/ppp-decision-tree\/\"><i><span style=\"color: #33cccc;\">Your PPP Loan: Working With Your Bank to Get What You Need<\/span><\/i><\/a><\/u><\/strong> recorded on April 7, 2020.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-ba35db5 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"ba35db5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4643081 ae-bg-gallery-type-default\" data-id=\"4643081\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17510b2 elementor-widget elementor-widget-text-editor\" data-id=\"17510b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We will continue to update you with any changes that may come in the coming days or weeks. Bookmark our<span style=\"color: #33cccc;\">\u00a0<span style=\"text-decoration: underline;\"><strong><a style=\"color: #33cccc; text-decoration: underline;\" href=\"http:\/\/www.cainwatters.com\/covid-19\">COVID-19 Resources<\/a><\/strong><\/span><\/span>\u00a0page to stay up to date.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>April 6 Guidance from the SBA on Paycheck Protection Program (PPP) Loans In our blog post yesterday morning, CWA was hopeful that the SBA would be issuing new guidance soon to clear up additional confusion surrounding PPP loans.\u00a0 At 10:00 p.m. on April 6, the SBA issued much needed guidance in the form of 18 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":9261,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[16,41,29],"tags":[],"ppma_author":[48],"class_list":["post-9276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SBA Issues 18 FAQs on PPP Loans<\/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.cainwatters.com\/digitalblogs\/18-ppp-faqs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBA Issues 18 FAQs on PPP Loans\" \/>\n<meta property=\"og:description\" content=\"April 6 Guidance from the SBA on Paycheck Protection Program (PPP) Loans In our blog post yesterday morning, CWA was hopeful that the SBA would be issuing new guidance soon to clear up additional confusion surrounding PPP loans.\u00a0 At 10:00 p.m. on April 6, the SBA issued much needed guidance in the form of 18 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/\" \/>\n<meta property=\"og:site_name\" content=\"Cain Watters Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-04-07T20:26:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-16T20:15:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/04\/Covid-Header_SBA-04.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2501\" \/>\n\t<meta property=\"og:image:height\" content=\"1310\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"CWA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CWA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/\"},\"author\":{\"name\":\"CWA\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#\\\/schema\\\/person\\\/5377defb92fcf06c1ff8504bf9880267\"},\"headline\":\"SBA Issues 18 FAQs on PPP Loans\",\"datePublished\":\"2020-04-07T20:26:46+00:00\",\"dateModified\":\"2020-11-16T20:15:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/\"},\"wordCount\":653,\"image\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2020\\\/04\\\/Covid-Header_SBA-04.jpg\",\"articleSection\":[\"Digital News Feature\",\"Featured\",\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/\",\"url\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/\",\"name\":\"SBA Issues 18 FAQs on PPP Loans\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2020\\\/04\\\/Covid-Header_SBA-04.jpg\",\"datePublished\":\"2020-04-07T20:26:46+00:00\",\"dateModified\":\"2020-11-16T20:15:33+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#\\\/schema\\\/person\\\/5377defb92fcf06c1ff8504bf9880267\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2020\\\/04\\\/Covid-Header_SBA-04.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2020\\\/04\\\/Covid-Header_SBA-04.jpg\",\"width\":2501,\"height\":1310},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/18-ppp-faqs\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"SBA Issues 18 FAQs on PPP Loans\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#website\",\"url\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/\",\"name\":\"Cain Watters Blog\",\"description\":\"Long Term Solutions for Financial Independence\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/#\\\/schema\\\/person\\\/5377defb92fcf06c1ff8504bf9880267\",\"name\":\"CWA\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7cd3f0890490030e268fd26d8201e65299246a9877bf0580593351d6e7b2d23b?s=96&d=mm&r=g6624cf3b6f65cf286af28a8c7bd86693\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7cd3f0890490030e268fd26d8201e65299246a9877bf0580593351d6e7b2d23b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7cd3f0890490030e268fd26d8201e65299246a9877bf0580593351d6e7b2d23b?s=96&d=mm&r=g\",\"caption\":\"CWA\"},\"url\":\"https:\\\/\\\/www.cainwatters.com\\\/digitalblogs\\\/author\\\/paigeworley\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SBA Issues 18 FAQs on PPP Loans","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/","og_locale":"en_US","og_type":"article","og_title":"SBA Issues 18 FAQs on PPP Loans","og_description":"April 6 Guidance from the SBA on Paycheck Protection Program (PPP) Loans In our blog post yesterday morning, CWA was hopeful that the SBA would be issuing new guidance soon to clear up additional confusion surrounding PPP loans.\u00a0 At 10:00 p.m. on April 6, the SBA issued much needed guidance in the form of 18 [&hellip;]","og_url":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/","og_site_name":"Cain Watters Blog","article_published_time":"2020-04-07T20:26:46+00:00","article_modified_time":"2020-11-16T20:15:33+00:00","og_image":[{"width":2501,"height":1310,"url":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/04\/Covid-Header_SBA-04.jpg","type":"image\/jpeg"}],"author":"CWA","twitter_card":"summary_large_image","twitter_misc":{"Written by":"CWA","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/#article","isPartOf":{"@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/"},"author":{"name":"CWA","@id":"https:\/\/www.cainwatters.com\/digitalblogs\/#\/schema\/person\/5377defb92fcf06c1ff8504bf9880267"},"headline":"SBA Issues 18 FAQs on PPP Loans","datePublished":"2020-04-07T20:26:46+00:00","dateModified":"2020-11-16T20:15:33+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/"},"wordCount":653,"image":{"@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/04\/Covid-Header_SBA-04.jpg","articleSection":["Digital News Feature","Featured","News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/","url":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/","name":"SBA Issues 18 FAQs on PPP Loans","isPartOf":{"@id":"https:\/\/www.cainwatters.com\/digitalblogs\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/#primaryimage"},"image":{"@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/04\/Covid-Header_SBA-04.jpg","datePublished":"2020-04-07T20:26:46+00:00","dateModified":"2020-11-16T20:15:33+00:00","author":{"@id":"https:\/\/www.cainwatters.com\/digitalblogs\/#\/schema\/person\/5377defb92fcf06c1ff8504bf9880267"},"breadcrumb":{"@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/#primaryimage","url":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/04\/Covid-Header_SBA-04.jpg","contentUrl":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/04\/Covid-Header_SBA-04.jpg","width":2501,"height":1310},{"@type":"BreadcrumbList","@id":"https:\/\/www.cainwatters.com\/digitalblogs\/18-ppp-faqs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cainwatters.com\/digitalblogs\/"},{"@type":"ListItem","position":2,"name":"SBA Issues 18 FAQs on PPP Loans"}]},{"@type":"WebSite","@id":"https:\/\/www.cainwatters.com\/digitalblogs\/#website","url":"https:\/\/www.cainwatters.com\/digitalblogs\/","name":"Cain Watters Blog","description":"Long Term Solutions for Financial Independence","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cainwatters.com\/digitalblogs\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.cainwatters.com\/digitalblogs\/#\/schema\/person\/5377defb92fcf06c1ff8504bf9880267","name":"CWA","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/7cd3f0890490030e268fd26d8201e65299246a9877bf0580593351d6e7b2d23b?s=96&d=mm&r=g6624cf3b6f65cf286af28a8c7bd86693","url":"https:\/\/secure.gravatar.com\/avatar\/7cd3f0890490030e268fd26d8201e65299246a9877bf0580593351d6e7b2d23b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7cd3f0890490030e268fd26d8201e65299246a9877bf0580593351d6e7b2d23b?s=96&d=mm&r=g","caption":"CWA"},"url":"https:\/\/www.cainwatters.com\/digitalblogs\/author\/paigeworley\/"}]}},"authors":[{"term_id":48,"user_id":7,"is_guest":0,"slug":"paigeworley","display_name":"CWA","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/7cd3f0890490030e268fd26d8201e65299246a9877bf0580593351d6e7b2d23b?s=96&d=mm&r=g","1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/posts\/9276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/comments?post=9276"}],"version-history":[{"count":0,"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/posts\/9276\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/media\/9261"}],"wp:attachment":[{"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/media?parent=9276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/categories?post=9276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/tags?post=9276"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-json\/wp\/v2\/ppma_author?post=9276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}