La Ley CARES incluye varios programas de ayuda para pequeñas empresas. La principal diferencia entre un préstamo PPP y un EIDL es que tienes que gastar al menos 60% del préstamo PPP en gastos de nómina. Además, a diferencia de los préstamos EIDL, los préstamos PPP no se emiten directamente del Tesoro de los Estados Unidos. Con el Préstamo por Desastre por Lesiones Económicas, usted solicita directamente a la SBA, no a prestamistas individuales.
EIDL grants award money based on the number of employees you have. You’ll qualify for $1,000 per employee, up to a maximum of $10,000. To qualify for the full targeted $10,000 EIDL grant, a business must:
· Be located in a low-income community, and
· Have suffered an economic loss greater than 30%, and
· Employ not more than 300 employees
Además, la empresa debe calificar como una entidad elegible según se define en la Ley CARES:
· A small business, cooperative, ESOP Tribal concern, with fewer than 500 employees.
· An individual who operates under as a sole proprietorship, with or without employees, or as an independent contractor; or
· A private non-profit or small agricultural cooperative.
· The business must have been in operation by January 31, 2020.
· The business must be directly affected by COVID-19.
More details are available from the SBA at: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/economic-injury-disaster-loans
The new PPP has $284.5 billion available, including $35 billion for first-time loans, and has several important differences from the original PPP.
Key PPP updates include:
o PPP borrowers can set their PPP loan’s covered period to be any length between 8 and 24 weeks to best meet their business needs;
o PPP loans will cover additional expenses, including operations expenditures, property damage costs, supplier costs, and worker protection expenditures;
o The Program’s eligibility is expanded to include 501(c)(6)s, housing cooperatives, destination marketing organizations, among other types of organizations;
o The PPP provides greater flexibility for seasonal employees;
o Certain existing PPP borrowers can request to modify their First Draw PPP Loan amount; and
o Certain existing PPP borrowers are now eligible to apply for a Second Draw PPP Loan.
Puede solicitar ambas becas. Sin embargo, no puede “hacer una doble inversión” y usar fondos de ambos programas de préstamos para el mismo propósito.
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