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

在研究《薪水保护计划和医疗保健增强法》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）

第一个coronavirus-rela FFCRAted bill signed 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

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

• 这PPP
• EIDL程序
• 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.

在下面查看《新薪水保护计划和医疗保健增强法》的细分，包括每个计划的资金。

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.

小型企业管理局（SBA）将为使用PPP贷款用于合格支出，保留员工并维持薪水水平的企业主宽恕贷款的一部分或所有主要金额（加上应计利息）。

《关怀法》为薪水保护计划贷款拨出了3490亿美元。但是，在2020年4月16日，PPP贷款的资金用完了。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增强法》。

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》恢复了PPP的资金，因此SBA于2020年4月27日恢复了接受PPP贷款申请并支付PPP资金。

已经申请的企业应该适合PPP，并且不需要重新申请。如果您申请了PPP贷款，请与您的贷方查看申请状态。

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.

最高贷款金额仍然为每位申请人1000万美元。PPP贷款的利率为1％，必须在五年内偿还。

EIDL程序

这Economic Injury Disaster Loan (EIDL) is anothercoronavirus loan option对于由SBA经营的小型企业。EIDL通过提供低利率（企业3.75％，非营利组织为2.75％）和长期还款计划（最多30年）来为合格企业提供救济。

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.

如果获得批准，则少于500名员工的企业可以收到高达200万美元的EIDL，可原谅的提前高达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，750亿美元交给了美国卫生与公共服务部（HHS），以帮助报销提供者支付治疗COVID-19患者的费用。750亿美元的资金包括提供冠状病毒患者的诊断，测试和护理的资金。

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
• 地方
• Tribes
• 领土

此外，大约140亿美元将用于COVID-19测试的行政费用。

Alert! Changes to the PPP and EIDL program

这Consolidated Appropriations Act（又名该法案或CAA）于2020年12月27日签署为法律。该法案对PPP和EIDL计划进行了许多更改。

该立法为PPP提供了额外的资金，还对PPP进行了以下更改：

• Expanded eligibility for nonprofits (includes set-asides for very small businesses and community-based lenders)
• 与同一2019季度相比
• 企业除PPP贷款外还可以要求员工保留信用（ERC）（在企业之前只允许企业选择一个或另一个）
• 您可以将PPP贷款花在该宽恕资格上的费用还包括运营费用，承保财产损失，供应商成本和工人保护支出
• A simplified forgiveness application process for loans up to $150,000
• 企业可以从税收中扣除宽恕的PPP贷款支付的费用

CAA还为EIDL计划提供了额外的资金。《合并拨款法》将通过为新的EIDL赠款提供200亿美元的资金来补充资金。这些赠款将适用于低收入社区的小型企业和非营利组织，经济损失30％，雇员少于300名。新的Covid-19立法还将EIDL赠款的涵盖期限延长至2021年12月31日。

这不是法律建议；有关更多信息，请click here.