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The program is designed for “Paycheck Protection” so businesses keep and rehire employees. As a result, if you spend your loan on payroll, rent, mortgage interest, or utilities then the government will forgive your loan so you don’t have to pay it back. Funds are provided in the form of loans that will be fully forgiven when used for certain designated expenses. These include: interest on mortgages, rent, and utilities (at least 60% of the forgiven amount must have been used for payroll--previously 75%), operations expenses (software, cloud computing, etc.), supplier costs, worker protection expenditures. Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.
• Will I be able to apply for a second PPP loan if I received funds from the first program in summer 2020?
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