行动警报- 2020年2月4日

小企业联邦财政援助

你们可能知道, 第三阶段经济刺激法案, 也被称为关怀法案, 上周五签署成为法律. 除了向个人和家庭提供直接援助外, the CARES Act established and funded several important programs for which farmers may be eligible. We wanted to highlight a few of those for our members in an effort to ensure Georgia farming operations in need of assistance will know what resources are available to them. Below you will find information complied by American Farm Bureau Federation and several federal agencies regarding tax incentives, 低息贷款, and grant programs—many of which will become available to small business as soon as this week.

There is some confusion right now about whether or not farms are eligible to participate in the programs mentioned below. It’s possible that federal agencies will exclude some farms or agriculture enterprises from participation as the programs are implemented. Please pay close attention to the red text below for more information about these issues as they pertain to each program. Though we may not know for sure which farms will be deemed eligible for these programs for a few more days, GFB staff felt it best to provide this information to you as soon as possible—so that Georgia farmers are not at the end of the line should favorable determinations be made by the respective federal agencies in the coming days.

If, 在审查了以下信息之后, 你有兴趣参加这些项目中的任何一个, 我们鼓励您与您的贷款人或相应的联邦机构联系. 一如既往地, you are also free to reach out to 乔治亚州农场局’s 公共政策 Department with any questions you may have. And GFB staff will continue to provide periodic updates as more information about these programs is released.

小企业管理局:工资保护计划

As of today, most farmers should be eligible for the Paycheck Protection Program (PPP). There are ongoing conversations between Congress, the Small Business Administration (SBA), and the U.S. Treasury Department about the possibility that some farmers—including those with gross receipts in excess of $1,000,根据目前的SBA规则，000人可能不符合条件. 有关此问题的更多信息, you are encouraged to review a Market Intel produced by the American Farm Bureau Federation by clicking here. GFB工作人员将提供有关此问题的最新情况.

工资保障计划(PPP)是一项新的担保贷款计划, 其中包括3490亿美元, 对于小企业来说，让他们的员工保持工资水平. 符合条件的企业包括非营利组织, 退伍军人组织, 部落商业问题, 独资企业, 个体, 独立承包商——雇员不超过500人.

Loans are capped at $10 million but can include up to eight weeks of the businesses average monthly payroll costs from the last year plus an additional 25 percent for non-payroll costs. 季节性和新业务将使用不同的计算方法. PPP将持续到2020年6月30日.

在下列情况下，贷款可获豁免:

All employees are kept or quickly rehired and compensation levels are maintained for eight weeks (payroll costs are capped at $100,按年计算，每位雇员可获000英镑)
这些资金用于:
工资和福利
2020年2月15日前发生的抵押贷款利息
租金，根据2020年2月15日之前生效的租赁协议
公用事业，在2020年2月15日之前开始服务.

借款人在下列情况下仍会欠债:

贷款金额用于工资费用以外的任何费用, 抵押贷款利率, 租金, 以及贷款后八周内的水电费.
由于可能的高订阅, it is anticipated that not more than 25 percent of the forgiven amount may be for non-payroll costs.
如果你不维持你的员工和工资，你也会欠钱.

Farmers can apply for the PPP through any existing SBA 7(a) lenders or through any federally insured depository institution, 联邦十大靠谱网赌官方平台信用社, 以及参与农业信贷体系的机构.

申请可以从以下几点开始:

April 3, 2020, for small businesses and 独资企业 through existing SBA 7(a) lenders
4月10日, 2020, for independent contractors and 个体 through existing SBA 7(a) lenders

所有联邦担保的存款机构, 联邦十大靠谱网赌官方平台信用社, and Farm Credit System institutions that are not existing SBA lenders can begin making loans once they are approved and enrolled in the SBA program.

小企业管理局:经济损失灾害贷款

According to guidance recently released by SBA, agricultural enterprises (e.g. 农场), 水产养殖企业以外, 农业合作社, or nurseries are not eligible for Economic Injury Disaster Loans (EIDL) or the advance EIDL grant included in the CARES Act. There are conversations happening now between Congress and federal officials regarding Congress’ intent that farming operations be eligible for EIDL and PPP (as mentioned above). GFB职员会在未来几天提供有关此事的十大靠谱网赌官方平台.

The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. 各州，华盛顿特区.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000. The loan advance will provide economic relief to businesses that are cur租金ly experiencing a temporary loss of revenue. 申请成功后，资金将在三天内到位, 这笔预支贷款将不必偿还.

EIDL贷款申请

美国国税局: 《十大靠谱网赌官方平台》雇员保留信用

The Employee Retention Credit is a fully refundable tax credit for employers equal to 50 percent of qualified wages (including allocable qualified health plan expenses) that Eligible Employers pay their employees. This Employee Retention Credit applies to qualified wages paid after March 12, 2020, 及在一月一日之前, 2021. The maximum amount of qualified wages taken into account with respect to each employee for all calendar quarters is $10,000, so that the maximum credit for an Eligible Employer for qualified wages paid to any employee is $5,000.

Eligible Employers for the purposes of the Employee Retention Credit are those that carry on a trade or business during calendar year 2020, 包括一个免税组织, ,:

Fully or partially suspends operation during any calendar quarter in 2020 due to orders from an appropriate governmental authority limiting commerce, 旅行, 或小组会议(商业), 社会, 宗教, or other purposes) due to COVID-19; or
Experiences a significant decline in gross receipts during the calendar quarter.