Action Alert -4/2/2020

Federal Financial Assistance for Small Businesses

你们可能知道, the Phase 3 stimulus bill, also known as the CARES Act, was signed into law last Friday. In addition to providing direct assistance to individuals and families, 《正规博彩网站评级》建立并资助了几个重要的项目，农民可能有资格参加这些项目. 我们想为我们的成员强调其中的一些，以确保需要援助的格鲁吉亚农业经营将知道他们可以获得哪些资源. 下面你会发现美国农业局联合会和几个联邦机构关于税收优惠的信息, low interest loans, 还有拨款项目，其中许多项目将于本周开始向小企业开放.

目前对于农场是否有资格参加下面提到的项目还存在一些困惑. 在项目实施过程中，联邦机构可能会将一些农场或农业企业排除在外. 请密切关注下面的红色文本，了解有关这些问题的更多信息，因为它们与每个项目有关. 虽然我们可能还不知道哪些农场将被认为有资格参加这些计划几天, GFB工作人员认为最好尽快向您提供这一信息，以便在未来几天内，如果各自的联邦机构做出有利的决定，佐治亚州的农民不会被排在最后.

If, after reviewing the information below, you are interested in participating in any of these programs, we encourage you to contact your lender or the appropriate federal agency. 一如既往地, 如果你有任何问题，你也可以自由地联系乔治亚州农场局的公共政策部. 随着有关这些项目的更多信息的发布，GFB工作人员将继续定期提供更新.

Small Business Administration: Paycheck Protection Program

截至今天，大多数农民应该有资格参加工资保护计划(PPP)。. 国会、小企业管理局(SBA)和美国政府之间正在进行对话.S. 财政部担心一些农民，包括那些总收入超过1美元的农民,000,000—may not be eligible under cur租金 SBA rules. For more information about this issue, 我们鼓励您通过点击这里查看由美国农场局联合会制作的市场信息. GFB staff will provide updates on this issue as they are made available.

The Paycheck Protection Program (PPP) is a new guaranteed loan program, which includes $349 billion, for small businesses to keep their employees on the payroll. Eligible businesses include nonprofits, veterans organizations, Tribal business concerns, sole proprietorships, self-employed individuals, and independent contractors – with 500 or fewer employees.

贷款上限为1,000万美元，但可以包括企业去年平均每月八周的工资成本，以及额外25%的非工资成本. Seasonal and new businesses will use diffe租金 calculations. The PPP will be available through June 30, 2020.

The loan will be forgiven if:

所有员工都保留或迅速重新雇用，薪酬水平维持8周(工资成本上限为100美元),000 on an annualized basis for each employee)
The funds are used for:
Payroll and benefits
Mortgage interest incurred before February 15, 2020
Rent, under lease agreements in force before February 15, 2020
Utilities, for which service began before February 15, 2020.

Borrowers will still owe money if:

The loan amount is used for anything other than payroll costs, mortgage interest, 租金, and utilities payments over the 8 weeks after getting the loan.
Due to likely high subscription, 预计不超过25%的宽免额可用于支付非工资费用.
You will also owe money if you do not maintain your staff and payroll.

农民可以通过任何现有的SBA 7(a)贷款机构或任何联邦亚洲体育博彩平台存款机构申请PPP, federally insured credit union, and Farm Credit System institution that is participating.

Applications can begin on:

2020年4月3日，小企业和个人独资企业通过现有的SBA 7(a)贷款机构
4月10日, 2020, 为独立承建商及自雇人士，透过现有的小企业管理局第7(a)款贷款机构发放贷款

All federally insured depository institutions, federally insured credit unions, 和农业信贷系统机构，不是现有的SBA贷款机构，一旦他们被批准并参加了SBA计划，就可以开始发放贷款.

Small Business Administration: Economic Injury Disaster Loans

根据SBA最近发布的指导意见，农业企业(如.g. 农场), other than aquaculture enterprises, agricultural cooperatives, 或托儿所没有资格获得经济伤害灾害贷款(EIDL)或《正规博彩网站评级》中包含的EIDL预付款. 国会和联邦官员之间正在就国会的意图进行对话，即农业经营有资格获得EIDL和PPP(如上所述)。. GFB staff will provide updates on this issue in the coming days.

小企业管理局的经济损失灾难贷款项目为小企业提供高达200万美元的流动资金贷款，为小企业提供重要的经济支持，帮助他们克服暂时的收入损失. 为应对冠状病毒(COVID-19)大流行，美国所有的小企业主都采取了行动.S. states, Washington, D.C., 及地区有资格申请经济损失灾难贷款，最高可获10元预付款,000. 预支贷款将为目前正在经历暂时收入损失的企业提供经济救济. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.

EIDL Loan Application

Internal Revenue Service: CARES Act Employee Retention Credit

雇员保留抵免是雇主全额退还的税收抵免，相当于合格雇主支付给雇员的合格工资(包括可分配的合格健康计划费用)的50%. 此员工保留信用适用于3月12日之后支付的合格工资, 2020, and before January 1, 2021. 考虑到每个雇员在所有日历季度的合格工资的最高数额为10美元,000, 因此，合资格雇主支付给任何雇员的合格工资的最高抵扣额为5元,000.

符合雇员保留抵免的雇主是那些在2020日历年度从事贸易或业务的雇主, including a tax-exempt organization, ,:

在2020年任何一个日历季度，由于有关政府部门限制商业的命令，全部或部分暂停运营, 旅行, or group meetings (for commercial, 社会, 宗教, or other purposes) due to COVID-19; or
在日历季度的总收入显著下降.