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Contributions to qualified retirement plans.

Contributions to group health care, dental, disability, and vision insurance for your employees.

If you have employees, your PPP loan has been calculated in such a way that allows you to pay your employees (and yourself) for at least two months.Īlong with paying your employee wages, payroll costs can also include benefits that you currently offer your employees:

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If you are self-employed or a contractor/gig worker/sole proprietor without employees, you can pay up to 100% of your funds to yourself (this qualifies as “payroll costs), and still qualify for full loan forgiveness. A huge purpose of the PPP loan’s original intent is to help employers keep their employees on staff and keep the economy moving forward. If you’ve received the PPP loan, you are probably familiar with this rule-but it is such an important one for us to reiterate. Spend at least 60% of your loan on payroll costs

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Learn more, plus get free reputation monitoring and customer insights when you sign up for Womply Free ! 1. With Womply Email Marketing, you can turn customers into regulars and get more repeat business with targeted emails that send automatically when customers transact with you. But how can you maximize your loan forgiveness and take the steps to make sure that it happens?įollow our guide to make the most out of your PPP loans and get them forgiven at the end of your covered loan period. As the current phase of the PPP winds to a close, the next step for these borrowers after the funds are spent is to apply for loan forgiveness. Over 10 million businesses, independent contractors, sole proprietors, gig workers, and self-employed individuals have applied for and received their first (or second) PPP loans, and the SBA has approved over $800 billion in these forgivable loans. For full details, read our post about the new SBA PPP Direct Forgiveness Portal and other recent rule changes. If your PPP loan was for $150,000 or less, AND if your lender has opted-in to the use of the platform, you will be able to submit your PPP loan forgiveness application online directly to the SBA, using the electronic equivalent of SBA Form 3508S. The SBA has established an online PPP forgiveness platform called the SBA PPP Direct Forgiveness Portal. URGENT PPP FORGIVENESS UPDATE: On July 28, 2021, the SBA announced big news (for most PPP borrowers). Ways to maximize and help you get your PPP loan forgiveness.NEW UPDATE! SBA PPP Direct Forgiveness Portal announced.