Sole proprietors and the PPP If you run a business on your own, your business is a sole proprietorship— even if you haven’t formally let the IRS know. Since you don’t have employees, you won’t be reporting your payroll costs for the PPP loan. Instead, you’ll be reporting your net business income, which will be reported on a Schedule C. As long as your business was operational prior to February 15 of this year, you can apply to the Paycheck Protection Program. According to the U.S. Treasury, “regardless of whether you have filed a 2019 tax return with the IRS, you must provide the 2019 Form 1040 Schedule C with your PPP loan application.” If you’ve already filed your taxes, this should be easy: just submit your filled-out Schedule C to your lender. If you haven’t filed your taxes yet, you will likely need to get retroactive bookkeeping done so you can calculate your net income and fill out your Schedule C properly. If you don’t have bookkeeping or a tax return, we strongly recommend that you get caught up with your bookkeeping. Without a payroll service, bookkeeping is the best way to determine your net profit as a sole proprietor (which is what the PPP will ask for). Your monthly average payroll expense will be your annual net profit divided by 12. If your annual net profit is over $100,000, you may only claim up to $100,000 divided by 12.
就是缺乏oversight. 财政部发的，虽然法案里说需要监管，实际操作没人管。前些天刚被大统领fire 掉的inspector general Glenn Fine 本来是负责监管的。 https://time.com/5823510/coronavirus-stimulus-oversight/ Democrats Pushed for Robust Oversight of the $2.2 Trillion Coronavirus Aid Package. It Hasn't Happened Yet Some of the most heated negotiations between Democrats and Republicans over last month’s $2.2 trillion coronavirus relief package were over who should watch how that money gets spent. It is the largest emergency relief fund the U.S. government has ever approved, and concerns over fraud and abuse were rife. In particular, Democrats were outraged that Republicans and the White House wanted to let the Treasury Department distribute $500 billion to industry and states without anyone overseeing the process, and vowed to block any bill without that safeguard in place.
Democrats Pushed for Robust Oversight of the $2.2 Trillion Coronavirus Aid Package. It Hasn't Happened Yet
Some of the most heated negotiations between Democrats and Republicans over last month’s $2.2 trillion coronavirus relief package were over who should watch how that money gets spent. It is the largest emergency relief fund the U.S. government has ever approved, and concerns over fraud and abuse were rife. In particular, Democrats were outraged that Republicans and the White House wanted to let the Treasury Department distribute $500 billion to industry and states without anyone overseeing the process, and vowed to block any bill without that safeguard in place. luming 发表于 4/19/2020 4:28:52 PM
either 你拿了钱，要满足财政部所有的要求这钱就不用还了（有好几个但是大家主要理解就是75%必须发工资，哪怕员工不上班）either 你拿了钱，你就不满足要求了，相当于国家借给你几乎无息贷款(利息up to 1%) 。不想还钱的必须出示payroll. 而且不想还钱的，6/30以后所有full time 必须full pay（不可以减薪）
PPP给sole proprietors和gig workers的算法和有员工的公司是不一样。 Sole proprietors and the PPP If you run a business on your own, your business is a sole proprietorship— even if you haven’t formally let the IRS know. Since you don’t have employees, you won’t be reporting your payroll costs for the PPP loan. Instead, you’ll be reporting your net business income, which will be reported on aSchedule C. As long as your business was operational prior to February 15 of this year, you can apply to the Paycheck Protection Program. According to the U.S. Treasury, “regardless of whether you have filed a 2019 tax return with the IRS, you must provide the 2019 Form 1040 Schedule C with your PPP loan application.” If you’ve already filed your taxes, this should be easy: just submit your filled-out Schedule C to your lender. If you haven’t filed your taxes yet, you will likely need to get retroactive bookkeeping done so you can calculate your net income and fill out your Schedule C properly. If you don’t have bookkeeping or a tax return, we strongly recommend that youget caught up with your bookkeeping. Without a payroll service, bookkeeping is the best way to determine your net profit as a sole proprietor (which is what the PPP will ask for). Your monthly average payroll expense will be your annual net profit divided by 12. If your annual net profit is over $100,000, you may only claim up to $100,000 divided by 12. YouyiM 发表于 4/19/2020 3:37:00 PM
美国政府他妈的每次经济危机发的钱大部分都进了富人口袋里，难怪贫富差距越来越大。
普通人哪里赶得上趟。补个材料啥的，fund就没有了。
我周围走大银行没有一个拿到，走local小银行拿到的很多
怎么得出“很多”这个词？救火时候消防队的水能保证一点不喷到火外边吗？救活1000家小企业几十万人工作的同时有一两个律师事务所也拿到钱很糟糕吗？而且现在这个情况律师事务所真的不需要救济？你现在像正常时间一样本人去律师事务所面谈签文件吗？
https://twitter.com/sruhle/status/1246026408599719936?lang=en
我有朋友（开会计师事务所的）认识一个在sba里头做。sba内部说救大不救小，那些没啥员工申请eidl的连回音都没。
这个太残忍了， small business loan就是给500 人一下小企业的，那些hedge fund 盘子那么大，人数虽然少，但好意思说自己是小企业？
我靠。
所以民主党的解决方案是现在没申请到的小公司可以去死了，卡着下一批贷款坚持必须允许他们的投票作弊政策才松手
这到没有。有一说一看CNBC, 共和党只打算给sba的ppp钱，民主党要求给州/医院/测试机构钱一起来（打包）
所以我觉得这个申请完全是看材料怎么作的， 一点都不解决实际问题。
那个代购很多都是成箱打包邮寄到中国去的，量很大， 肯定也没有交税。
民主党所谓给州里的钱就是趁火打劫要全国实现邮寄投票，撒了欢的作弊。
除非代购有公司有payroll. 否则就是假材料。这就像你提供了假的税务资料。也许现在骗到了钱，但是法律风险自负。如果代购开了公司，付了payroll， 那确实是合法的
300b +50b loan
这次还有一个特殊性。就是消费者的习惯变化，最终会导致所有行业财富分配的变化。有些行业会萎缩甚至消失掉。
这些必然萎缩或消失的行业是救不回来的，现在政府扔出去的钱都会打水漂。这也是用过强的行政手段干预市场的必然结果。
Self employed 当然有payroll....只是发给自己而已
self-employed可以申请，loan是按照net income算的（1040表的schedule c的利润）
怎么可能打水漂？ ppp这个钱75%必须用于发工资而且必须是八周内发掉。这个钱就不是拿来救business owner 的。特别是小owner。钱给了员工好歹大家不会饿肚子，还是要消费花掉的
Ppp是按照payroll 的2.5倍发的。而且是过去12个月或者2019年平均月Payroll 计算
有的所谓的business就是一个人啊，拿这钱给自己发工资好了
那就不确定了。而且理论上self employed 比small business 更难拿钱。因为他们是比一般business 推迟一周才能申请
不管business 是几个人，只要符合条件的我觉得都没问题。而且自雇的是要推迟一周才可以申请。 现在大家主要question 的是大银行不是按照申请顺序二是按照钱多钱少来处理。我听说还有人用软件刷机申请的
PPP给sole proprietors和gig workers的算法和有员工的公司是不一样。
Sole proprietors and the PPP If you run a business on your own, your business is a sole proprietorship— even if you haven’t formally let the IRS know. Since you don’t have employees, you won’t be reporting your payroll costs for the PPP loan. Instead, you’ll be reporting your net business income, which will be reported on a Schedule C. As long as your business was operational prior to February 15 of this year, you can apply to the Paycheck Protection Program. According to the U.S. Treasury, “regardless of whether you have filed a 2019 tax return with the IRS, you must provide the 2019 Form 1040 Schedule C with your PPP loan application.” If you’ve already filed your taxes, this should be easy: just submit your filled-out Schedule C to your lender. If you haven’t filed your taxes yet, you will likely need to get retroactive bookkeeping done so you can calculate your net income and fill out your Schedule C properly. If you don’t have bookkeeping or a tax return, we strongly recommend that you get caught up with your bookkeeping. Without a payroll service, bookkeeping is the best way to determine your net profit as a sole proprietor (which is what the PPP will ask for). Your monthly average payroll expense will be your annual net profit divided by 12. If your annual net profit is over $100,000, you may only claim up to $100,000 divided by 12.
谢谢解释
很多银行只接受自己银行客户的申请，我们一直用的那家却一直多等了一周才开始接受申请，没两天就说没钱了
同靠
请教一下，公司申请到PPP的钱，是不是必须把这个钱发工资给员工还是公司可以任意挪作它用？因为我们是small business ,因为老板让大部分人申请失业金，部分人发一半的工资，是不是申请失业金的人也可以拿？
至少75% ppp loan 必须发工资（如果不想还钱的话）如果打算把这个钱还给政府，那就是无息贷款，随便owner自己怎么花
对，但是大银行还是让大客户先拿钱。说实话第二轮我都不知道我们能否拿到钱
救人如救火。猪党的所谓监管就是破坏救援增加失业人数为自己当选谋利，一个申请托俩月猪党就得逞了
那政府怎么看得出，这钱给员工发工资了呢？
你要提供发工资的证明（payroll）这个钱才能不用还。不然就是免息贷款。（确切地说是up to 1%利息)
你可以不用八周花完，也可以不符合75% payroll. 但是这个钱就必须要还给财政部了。
要求的是员工的principal residence 必须是美国，不一定要是美国籍。
可以，用1099，K1，或者schedule C。很多sole proprietorship就是自己的名字+SSN申请。只需要去年的1099加上任何能证明你今年2/15左右有收入的东西，bank statement，checks，啥都行。SBA非常flexible。
那也还可以了，小基金里面秘书也没有十万。要是发工资应该拿到的。
Looks like Wednesday, assuming Massie forces them back to DC, otherwise tomorrow.
点太背了，我第一时间申请，补充完材料还有人电话确认，目前既没有批准也没有钱到帐，条件绝对合格，十年小生意。
这届美国政府的傻逼程度出乎了我的想象
是啊，按这种说法即使公司经营没受太大影响的也可以申请反正就算政府替自己给员工付两个月工资了。
就是发工资啊，这个叫payroll protect program 啊，就是确保你不裁员，能够多雇佣人啊
什么时候把钱花掉SBA不管，但是想申请forgiven就需要证明这个钱是花在payroll上了。而且2.5 x average monthly payroll。这个.5是干其他的，2.0理论上就是付员工两个月payroll的
现在还没消息第一波肯定是没赶上了。
其实根本不需要找会计师， 跟自己开户的银行问就行了， 材料齐全就很快的。----当然现在是只能等第二波了。
自己不报税， 那就没办法了。
自雇不走w2, 走schedule C的话也可以申请的。但是很多小公司“做”税做得很过分， schedule C一直报loss, 那就申请不到了。