{"id":9752,"date":"2020-10-12T00:30:04","date_gmt":"2020-10-12T05:30:04","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=9752"},"modified":"2020-11-04T10:39:01","modified_gmt":"2020-11-04T16:39:01","slug":"ppp-under-50k-forgiveness","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/ppp-under-50k-forgiveness\/","title":{"rendered":"New PPP Loan Forgiveness Guidance For Loans Under $50,000"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9752\" class=\"elementor elementor-9752\" 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-197508ca elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"197508ca\" 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-32e23e45 ae-bg-gallery-type-default\" data-id=\"32e23e45\" 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-5b4ff5f9 elementor-widget elementor-widget-heading\" data-id=\"5b4ff5f9\" 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\">SBA offers simplified application form for forgiveness on smaller loans <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-119c44fc elementor-widget elementor-widget-text-editor\" data-id=\"119c44fc\" 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>On Oct. 8, 2020, the U.S. Treasury and Small Business Administration (SBA) issued <a href=\"https:\/\/home.treasury.gov\/system\/files\/136\/PPP--IFR--Additional-Revisions-Loan-Forgiveness-Loan-Review-Procedures-Interim-Final-Rules.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">new guidance<\/span><\/a> streamlining the Paycheck Protection Program (PPP) Loan Forgiveness Application and providing guidance to lenders issuing these loans. A new application form (Form 3508S) and rule were issued for borrowers with a PPP loan under $50,000, unless they and their affiliates received loans totaling more than $2,000,000, making it easier for companies to get their loans forgiven.<\/p><p>The new Form 3508S includes a few new exemptions, making it much less cumbersome to complete.<\/p><p>Borrowers with loans under $50,000 are now <strong>exempt<\/strong> from any reductions in forgiveness based on:<\/p><ul><li>Reduction in full-time-equivalents (FTE) employees; and<\/li><li>Reductions in employee salary or wages.<\/li><\/ul><p>The borrower must still <em>certify that the loan was used for forgivable expenses<\/em> such as for payroll costs, business mortgage interest, business related rents or utility costs. The items that qualify for forgiveness did not change.<\/p><p>Although this simplifies the computation, borrowers are still required to submit documentation to the lender showing that the qualifying payroll costs and other forgivable expenses meet the requirements to provide forgiveness.<\/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-c44ea14 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"c44ea14\" 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-25cb905e ae-bg-gallery-type-default\" data-id=\"25cb905e\" 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-74e601af elementor-widget elementor-widget-text-editor\" data-id=\"74e601af\" 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>View the <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2020-10\/PPP%20Loan%20Forgiveness%20Application%20Form%203508S.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">PPP Loan Forgiveness Application Form 3508S<\/span><\/a> <\/span><\/strong>and the related <strong><a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2020-10\/PPP%20Loan%20Forgiveness%20Application%20Form%203508S%20Instructions.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline; color: #33cccc;\">instructions for borrowers<\/span><\/span><\/a><\/strong>.<\/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-70f4851a elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"70f4851a\" 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-4fce485b ae-bg-gallery-type-default\" data-id=\"4fce485b\" 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-4c9877de elementor-widget elementor-widget-text-editor\" data-id=\"4c9877de\" 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>The SBA has promulgated these new rules under its \u201cde minimis\u201d exemptions. The new rule reduces the lender\u2019s responsibility to review the borrower\u2019s documentation, \u00a0thus relieving the lender of having to independently verify submitted documents.<\/p><p>This has been an anticipated update, however the original hope was that it would apply to loans up to $150,000.\u00a0 Congress has yet to agree on the higher loan amount, but at the time of the announcement, Treasury Secretary Steven Mnuchin stated, \u201dWe continue to favor additional legislation to further simplify the forgiveness process,\u201d offering a hint into further simplification to come for larger loans.<\/p><p>This is a step in the right direction for small businesses, allowing business owners to continue to focus on their business rather than complete complex applications.<\/p><p>We will continue to provide updates as they are announced. Stay current on the latest legislation and more at <a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"text-decoration: underline; color: #33cccc;\">cainwatters.com\/digitalblogs<\/span><\/span><\/a>.<\/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>SBA offers simplified application form for forgiveness on smaller loans On Oct. 8, 2020, the U.S. Treasury and Small Business Administration (SBA) issued new guidance streamlining the Paycheck Protection Program (PPP) Loan Forgiveness Application and providing guidance to lenders issuing these loans. A new application form (Form 3508S) and rule were issued for borrowers with [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":9261,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_ppma_block_editor_authors":""},"categories":[41,18,21,35],"tags":[],"ppma_author":[48],"class_list":["post-9752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-financial-planning","category-tax-news","category-the-advisors-shelf"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New PPP Loan Forgiveness Guidance For Loans Under $50,000<\/title>\n<meta name=\"description\" content=\"A new application form (Form 3508S) and rule were issued for borrowers with a PPP loan under $50,000, unless they and their 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