Businesses could apply for a Paycheck Protection Program loan through May 31, 2021. As of June 1, 2021, the SBA is no longer accepting PPP loan applications.

On April 24, 2020, the Paycheck Protection Program and Health Care Enhancement Act was signed into law. The act provides additional coronavirus funding to replenish programs and provide relief to businesses impacted by COVID-19. Check out an overview of what the newest funding bill covers and how it can benefit your small business.

Overview of coronavirus legislation

在潜入薪水保护计划和医疗保健方案之前，请看看前两项救济措施。以前通过的立法包括：

• Families First Coronavirus Response Act(FFCRA)
• 冠状病毒援助，救济和经济安全法（关心行为的）

FFCRA是第一个coronavirus-related法案igned into law. It offers a number of relief measures for small businesses and individuals. The Families First Coronavirus Response Act provides paid sick and family leave, expanded FMLA benefits, paid leave employer tax credits, expanded unemployment benefits, nutrition assistance, and COVID-19 testing coverage.

这关心行为benefits business owners and individuals alike. Not only did the act establish the薪水保护计划(PPP) for business owners, but it also offers additional relief measures, including the Employee Retention Credit, Social Security tax deferral, Economic Injury Disaster Loan (EIDL) expansion, stimulus checks, expanded unemployment assistance, student loan relief, and health care relief.

薪水保护计划和医疗保健增强法案

薪水保护计划和医疗保健增强法案adds funds to existing programs that have run out of money or are underfunded. This includes additional funding for:

• 这PPP
• EIDL计划
• Hospitals and health care
• Covid-19测试

这total funding amount for the Paycheck Protection Program and Health Care Enhancement Act is $484 billion, with $370 billion going toward funding for small businesses.

查看下面的新薪水保护计划和保健增强行为的崩溃，包括每个方案的资金需要多少钱。

薪水保护计划

Again, the PPP was enacted under the CARES Act. As a brief recap, the PPP provides forgivable loans to small businesses to help cover up to 24 weeks of payroll costs, interest on mortgages, rent, and utilities. Business owners must use 60% of the borrowed loan for payroll costs (40% for mortgage interest, rent, and utilities) to maximize loan forgiveness.

小型企业管理（SBA）将原谅或全部贷款（加号累计利息）的主要金额或所有使用PPP贷款的符合条件的费用，保留雇员和维持薪资水平的业主。

关心行动拨入3490亿美元用于薪水保护计划贷款。但是，在2020年4月16日，PPP贷款的资金耗尽了。为了补充PPP（和其他计划）的资金，政府通过了薪水保护计划和医疗保健提升法案。

Under the Paycheck Protection Program and Health Care Enhancement Act, the PPP received $310 billion in additional funding. At least $60 billion of the $310 billion is set aside for small and midsize lenders, including community banks, credit unions, and community development financial institutions.

由于薪水保护计划和医疗保健增强法案恢复了PPP的资金，因此SBA恢复接受PPP贷款申请，并于2020年4月27日接受PPP基金。

已经申请的企业应该符合PPP，并且不需要重新申请。如果您已申请PPP贷款，请在您的申请状态下核对您的贷方。

Keep in mind that PPP loans are first-come, first-served, and funds are limited. If you’re a business owner interested in receiving a PPP loan, apply as soon as possible.

最高贷款金额仍为每名申请人1000万美元。PPP贷款具有1％的利率，必须在五年内偿还。

EIDL计划

这Economic Injury Disaster Loan (EIDL) is anothercoronavirus loan option对于由SBA运营的小企业。EIDL通过提供低利率（业务人员3.75％和2.75％，非营利组织的2.75％）为合格企业提供救济，并长期还款计划（最多30年）。

这program gives business owners funding to cover expenses, such as employee wages, rent, and accounts payable. Unlike the PPP loan, the EIDL is not 100% forgivable—only the loan advance of up to $10,000 is forgivable.

Like the PPP, funds for the EIDL also ran out mid-April. The Paycheck Protection Program and Health Care Enhancement Act provides an additional $60 billion to the EIDL program. Out of the $60 billion, $10 billion of the replenished EIDL funds is going toward loan advances.

如果批准，员工少于500名员工的企业可以获得高达200万美元的EIDL，其可原谅的预付款高达10,000美元。

像PPP一样，已经申请EIDL的企业不需要重新申请。

Hospital and health care

根据新通过的立法，750亿美元前往美国卫生和人类服务部（HHS），以帮助报销提供商的治疗Covid-19患者的费用。750亿美元包括提供诊断，检测和护理冠状病毒患者的资金。

Testing

Along with providing $75 billion to assist hospitals and health care industries, the Paycheck Protection Program and Health Care Enhancement Act provides $25 billion in funds to help develop and implement a plan for testing protocols by state. Funds will not only cover testing for COVID-19 in individuals, but also testing for coronavirus immunity.

Funds are broken down by certain groups and jurisdictions, including:

• 状态
• 地点
• Tribes
• 领土

此外，大约140亿美元将达到Covid-19测试的行政费用。

Alert! Changes to the PPP and EIDL program

这Consolidated Appropriations Act（亦称该法案或CAA）于2020年12月27日签署了法律。该法案对PPP和EIDL计划进行了一些变更。

立法为PPP提供了额外的资金，并对PPP进行了以下更改：

• Expanded eligibility for nonprofits (includes set-asides for very small businesses and community-based lenders)
• 与同期2019季度相比，员工少于300名员工的二次雇员，员工少于300名员工，至少25％的总收入下降
• 企业可以申请员工保留信贷（ERC）除了PPP贷款外（之前，企业只允许选择一个或另一个）
• 费用您可以花费PPP贷款对宽恕的资格，现在还包括运营费用，包括损害财产损失，供应商成本和工人保护支出
• A simplified forgiveness application process for loans up to $150,000
• 企业可以从税收的违法的PPP贷款支付支付的费用

CAA还为EIDL计划提供额外的资金。综合拨款法案将通过为新的EIDL补助金提供20亿美元来补充资金。这些补助金将可用于低收入社区的小企业和非营利组织，其经济损失30％，员工少于300名。新的Covid-19立法还将EIDL补助金的涵盖期限扩展到2021年12月31日。

For more information on PPP 2.0, including how to apply for a loan and loan forgiveness, check out our自由PPP Resources Guide。

这并非旨在作为法律建议;有关更多信息，请click here.