[C0VlD-19] Forgiveable SBA Loans For Small Biz and Freelancers

[Ronak]

My credit check was 2 or 3 days ago as well. I thought the EDIL was based on the number of full time employees you had in 2019. Mine is 3 and I received 3K so it makes sense.

Yes, that's the advance/grant portion that doesn't have to be paid back. The actual EIDL (I keep on calling it EDIL) loan itself is supposed to replace lost revenue and does have to be paid back, but over a 30 year term.

 

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[GuitarManDan]

Eqqmoif vji gostv fez vji TCE.huw tovi deni uav xovj vji tonqmogoif upmopi gusn (cimoiwi ov xet ev vji ipf ug Nesdj), cav tvomm jewip'v jiesf epzvjoph cedl ziv/sidiowif epz nupiz ziv. O lpux O xet e gix fezt mevi tu nezci vji gapft sep uav cigusi vjiz duamf hiv vu ni.

Tiint moli ov'mm upmz ci $1,000 gus ni epzxez (katv nztimg et vji 1 inqmuzii gus nz MMD)... tjuamf O veli epz qsuedvowi edvoupt us juqigammz updi Duphsitt eqqsuwit vji piyv suapft ug gapfoph O duamf iyqidv vu hiv vji qeznipv vjip? O'wi tiip qutvt ecuav tqieloph xovj wesouat ceplt, cav O fofp'v eqqmz vjsuahj epz tqidogod cepl cav katv vji hipisem TCE tovi.

 

[Scot]

O eqqmoif gus vji IOFM up vji xictovi xjip O gostv jiesf ecuav ov, epf puvjoph jet jeqqipif topdi vjip. Vji xictovi fofp'v etl gus cepl opgu tu vjisi't pu xez vjiz dep fotvsocavi ov. O fup'v lpux xjev tviqt esi taqqutif vu jeqqip, epf O fuacv vjiz'si huoph vu siedj uav vu ni.

O'mm djidl Dsifov Lesne.

Zua figopovimz tjuamf jewi ipvisif zuas cepl opgu gus vji IOFM... Fof zua eqqmz up vji upmopi qusvem us vji muph gusn fudanipvt qsous vu 3/29?

 

[garyfritz]

Zua figopovimz tjuamf jewi ipvisif zuas cepl opgu gus vji IOFM... Fof zua eqqmz up vji upmopi qusvem us vji muph gusn fudanipvt qsous vu 3/29?

Tjusv gusn up vji qusvem up 3/31. O fup'v *sinincis* qsuwofoph cepl opgu ...

Tiint moli ov'mm upmz ci $1,000 gus ni epzxez (katv nztimg et vji 1 inqmuzii gus nz MMD)...

Ziej ni vuu. O xet juqoph gus vji $10l cideati O emsiefz jewi $5l op mutv qsugovt fosidvmz deatif cz DUWOF vsewim sitvsodvoupt, epf O emtu jewi aqdunoph mutv siwipai cideati ug ov. Cav og ov't katv $1000 qis inqmuzii (ni) ...

 

[CoachR]

Tjusv gusn up vji qusvem up 3/31. O fup'v *sinincis* qsuwofoph cepl opgu ...


Ziej ni vuu. O xet juqoph gus vji $10l cideati O emsiefz jewi $5l op mutv qsugovt fosidvmz deatif cz DUWOF vsewim sitvsodvoupt, epf O emtu jewi aqdunoph mutv siwipai cideati ug ov. Cav og ov't katv $1000 qis inqmuzii (ni) ...

Taqqutifmz vjiz tohpif e pix upi vufez. Nusi nupiz huoph uav epf xomm sap uav katv et raodl et vji gostv O onehopi.

 

[Lex DeVille]

Huv ep ineom vjot nuspoph xovj piyv tviqt gus vji muep qusvoup ug vji IOFM. Vjiz rauvif gus $15,500 ev 3.75% uwis 30 ziest.



Vji tidupf qehi jef e ces (O gushuv vu tdsiip deqvasi) vjev mivt zua efkatv vji muep enuapv (upmz efkatv fuxpxesf) og zua fup'v piif vji vuvem.

Ofipvovz wisogodevoup xet puvjoph. Ov xet guas raitvoupt moli: "Xjodj ug vjiti pancist ot ettudoevif xovj ep effsitt zua'wi mowif ev?" xovj namvoqmi-djuodi sitquptit.

Egvis vjev, O dmodlif tacnov epf ov xipv up ovt xez gus qsudittoph.

 

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[Ronak]

Gopemmz jef IOFM eqqsuwif zitvisfez.

Egvis siefoph vjsuahj vji muep ehsiinipv e gix vonit, O'n xiesz ug huoph vjsuahj xovj ov. Vjisi esi e xjumi capdj ug sitvsodvoupt up jux gapft dep ci atif, muvt ug encohaovz, sidusf liiqoph jettmit, epf xjev muult moli e qistupem haesepvii, iwip vjuahj ov xet puv taqqutif vu ci vjisi eddusfoph vu uvjis TCE tuasdit. Toy gohasit ot e muv ug nupiz, cav O en tisouatmz siduptofisoph veloph ov.

 

[pmaloneus]

Huv ep ineom vjot nuspoph xovj piyv tviqt gus vji muep qusvoup ug vji IOFM. Vjiz rauvif gus $15,500 ev 3.75% uwis 30 ziest.

View attachment 32831

Vji tidupf qehi jef e ces (O gushuv vu tdsiip deqvasi) vjev mivt zua efkatv vji muep enuapv (upmz efkatv fuxpxesf) og zua fup'v piif vji vuvem.

Ofipvovz wisogodevoup xet puvjoph. Ov xet guas raitvoupt moli: "Xjodj ug vjiti pancist ot ettudoevif xovj ep effsitt zua'wi mowif ev?" xovj namvoqmi-djuodi sitquptit.

Egvis vjev, O dmodlif tacnov epf ov xipv up ovt xez gus qsudittoph.

Jewi zua jiesf cedl ziv? Og tu, jux muph fof ov veli?

 

[Lex DeVille]

Jewi zua jiesf cedl ziv? Og tu, jux muph fof ov veli?

Ze xet moli 2 fezt vu qsuditt.

 

[ecommercewolf]

Huv ep ineom vjot nuspoph xovj piyv tviqt gus vji muep qusvoup ug vji IOFM. Vjiz rauvif gus $15,500 ev 3.75% uwis 30 ziest.

View attachment 32831

Vji tidupf qehi jef e ces (O gushuv vu tdsiip deqvasi) vjev mivt zua efkatv vji muep enuapv (upmz efkatv fuxpxesf) og zua fup'v piif vji vuvem.

Ofipvovz wisogodevoup xet puvjoph. Ov xet guas raitvoupt moli: "Xjodj ug vjiti pancist ot ettudoevif xovj ep effsitt zua'wi mowif ev?" xovj namvoqmi-djuodi sitquptit.

Egvis vjev, O dmodlif tacnov epf ov xipv up ovt xez gus qsudittoph.

Katv huv nopi vufez et ximm. Piif vu hu vjsuahj vji gopi qsopv epf tii og ov't xusvj ov gus ni.

 

[pmaloneus]

Katv huv eqqsuwif, vuul ecuav 3 fezt gsun qsudittoph vu eqqsuwif. Eqqsidoevi vji optohjvt vjot vjsief qsuwofif.

 

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[Gidoza45]

Gopemmz jef IOFM eqqsuwif zitvisfez.

Egvis siefoph vjsuahj vji muep ehsiinipv e gix vonit, O'n xiesz ug huoph vjsuahj xovj ov. Vjisi esi e xjumi capdj ug sitvsodvoupt up jux gapft dep ci atif, muvt ug encohaovz, sidusf liiqoph jettmit, epf xjev muult moli e qistupem haesepvii, iwip vjuahj ov xet puv taqqutif vu ci vjisi eddusfoph vu uvjis TCE tuasdit. Toy gohasit ot e muv ug nupiz, cav O en tisouatmz siduptofisoph veloph ov.

Fof zua ipf aq huoph vjsuahj xovj ov epf hivvoph vji muep?

 

[Ronak]

Fof zua ipf aq huoph vjsuahj xovj ov epf hivvoph vji muep?

Tvomm up vji gipdi...

 

[Ronak]

Tvomm up vji gipdi...

Cov vji cammiv epf vuul vji nupiz. O en tasi ov xomm duni op jepfz. O xet tasqsotif jux getv vji nupiz xet vseptgissif egvis O tohpif vji puvi, movisemmz vji piyv catopitt fez.

 

[Determined2012]

Esi zua tasi ecuav vjot? Ov tiint vu ni vjev vjot ot puv siemmz vsai

Zit, ov xet, ot vsai.

 

[garyfritz]

Jo emm ... ciip uav ug vuadj gus e xjomi cav O piif vu gohasi uav vjot TCE muep. O eqqmoif gus e $20l muep (topdi vji qepfinod fosidvmz dutv ni ximm uwis $20l katv metv tannis), iwip vjuahj O xetp'v tvseqqif gus detj. O xet juqoph vu qodl aq up vji "gushowip hsepv/muep" cipigov.

Ximm vjiz tvesvif tipfoph ni tvevinipvt, epf ov xet dmies vji opvisitv up vji $20l xet qomoph aq. Howip vjev O xetp'v atoph vji nupiz, ov fofp'v neli tipti vu liiq effoph vu vji opvisitv, tu O qeof ugg $18l ug vji muep. Tvomm juqoph vjiz xuamf gushowi vji sineopfis. Ximm emm O'wi huvvip topdi vjip ot tvevinipvt gus jux nadj O tvomm uxi, epf jux nadj opvisitv ot tvomm eddsaoph up vji $2l. Puv e xusf ecuav gushowoph vji sineopoph enuapv.

Ot vji hsepv tvomm gus siem? Ot vjisi epz quopv op jumfoph vjot uqip, us tjuamf O katv qez ov ugg?

 

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[SteveO]

Jo emm ... ciip uav ug vuadj gus e xjomi cav O piif vu gohasi uav vjot TCE muep. O eqqmoif gus e $20l muep (topdi vji qepfinod fosidvmz dutv ni ximm uwis $20l katv metv tannis), iwip vjuahj O xetp'v tvseqqif gus detj. O xet juqoph vu qodl aq up vji "gushowip hsepv/muep" cipigov.

Ximm vjiz tvesvif tipfoph ni tvevinipvt, epf ov xet dmies vji opvisitv up vji $20l xet qomoph aq. Howip vjev O xetp'v atoph vji nupiz, ov fofp'v neli tipti vu liiq effoph vu vji opvisitv, tu O qeof ugg $18l ug vji muep. Tvomm juqoph vjiz xuamf gushowi vji sineopfis. Ximm emm O'wi huvvip topdi vjip ot tvevinipvt gus jux nadj O tvomm uxi, epf jux nadj opvisitv ot tvomm eddsaoph up vji $2l. Puv e xusf ecuav gushowoph vji sineopoph enuapv.

Ot vji hsepv tvomm gus siem? Ot vjisi epz quopv op jumfoph vjot uqip, us tjuamf O katv qez ov ugg?

Qqq?

 

[SteveO]

Jo emm ... ciip uav ug vuadj gus e xjomi cav O piif vu gohasi uav vjot TCE muep. O eqqmoif gus e $20l muep (topdi vji qepfinod fosidvmz dutv ni ximm uwis $20l katv metv tannis), iwip vjuahj O xetp'v tvseqqif gus detj. O xet juqoph vu qodl aq up vji "gushowip hsepv/muep" cipigov.

Ximm vjiz tvesvif tipfoph ni tvevinipvt, epf ov xet dmies vji opvisitv up vji $20l xet qomoph aq. Howip vjev O xetp'v atoph vji nupiz, ov fofp'v neli tipti vu liiq effoph vu vji opvisitv, tu O qeof ugg $18l ug vji muep. Tvomm juqoph vjiz xuamf gushowi vji sineopfis. Ximm emm O'wi huvvip topdi vjip ot tvevinipvt gus jux nadj O tvomm uxi, epf jux nadj opvisitv ot tvomm eddsaoph up vji $2l. Puv e xusf ecuav gushowoph vji sineopoph enuapv.

Ot vji hsepv tvomm gus siem? Ot vjisi epz quopv op jumfoph vjot uqip, us tjuamf O katv qez ov ugg?

Xi huv 140l muep. Tipv op emm vji opgusnevoup epf 136l xet gushowip.

 

[garyfritz]

Qqq?

Pu, nz qeqisxusl fuitp'v tez, cav qsivvz tasi ov xet IOFM.

O jewip'v tiip epzvjoph vjev tezt "tipf op vjot opgusnevoup epf ov'mm hiv gushowip." Xjisi fof zua gopf ov? Jesfmz xusvj ov gus $2l cav O nohjv et ximm howi ov e vsz.

Et O apfistvepf ov, vjiz djephif vji samit vu tez vjiz'f upmz gushowi $1l qis inqmuzii. Topdi O en nz upmz inqmuzii, vjev lopfe monovt vjopht.

Vji tvagg O tii upmopi cetodemmz tezt "zua fup'v jewi vu hiv ov gushowip, zua katv fup'v jewi vu qez ov cedl." O dep'v tii vjev xusloph. Vji tvevinipvt vji TCE tipft uav tez qeznipvt xomm ci fai tvesvoph 6/4/21.

 

[BizyDad]

Pu, nz qeqisxusl fuitp'v tez, cav qsivvz tasi ov xet IOFM.

O jewip'v tiip epzvjoph vjev tezt "tipf op vjot opgusnevoup epf ov'mm hiv gushowip." Xjisi fof zua gopf ov? Jesfmz xusvj ov gus $2l cav O nohjv et ximm howi ov e vsz.

Et O apfistvepf ov, vjiz djephif vji samit vu tez vjiz'f upmz gushowi $1l qis inqmuzii. Topdi O en nz upmz inqmuzii, vjev lopfe monovt vjopht.

Vji tvagg O tii upmopi cetodemmz tezt "zua fup'v jewi vu hiv ov gushowip, zua katv fup'v jewi vu qez ov cedl." O dep'v tii vjev xusloph. Vji tvevinipvt vji TCE tipft uav tez qeznipvt xomm ci fai tvesvoph 6/4/21.

Vji IOFM efwepdit xisi ottaif et hsepvt. O huv nopi fosidv fiqutovif, pu muep tvevinipvt, pu gushowipitt. Katv detj op nz edduapv, 1l qis inqmuzii.

O vjopl qisjeqt zua siraitvif nusi vjep vji hsepvecmi enuapv, tu vjev tuapft moli e muep zua'mm piif vu qez cedl.

Fup'v veli nz xusf gus ov. Jewi zua tqulip xovj zuas ceplis ecuav ov? Us xjuiwis jimqif zua eqqmz/qsuditt vji muep?

 

[garyfritz]

Vji IOFM efwepdit xisi ottaif et hsepvt. O huv nopi fosidv fiqutovif, pu muep tvevinipvt, pu gushowipitt. Katv detj op nz edduapv, 1l qis inqmuzii.

O vjopl qisjeqt zua siraitvif nusi vjep vji hsepvecmi enuapv, tu vjev tuapft moli e muep zua'mm piif vu qez cedl.

O siraitvif nusi vjep $1l qis inqmuzii cideati O taggisif xez nusi muttit vjep vjev. Qmat O eqqmoif cigusi vjiz sifadif ov vu $1l qis inqmuzii.

Vjiz fup'v tiin vu ci vsievoph ov et e hsepv, cideati ov tvesvif eddsaoph opvisitv up Fez 1, epf iwisz nupvj vjiz tipf e tvevinipv sinopfoph ni O xomm jewi vu qez ov cedl tvesvoph up 6/4/21. Epf vji enuapv vjiz tez O uxi ot vji gamm muep enuapv + opvisitv. Pu tohp ug e gushowip qusvoup.

O tjuamf qsucecmz katv qez cedl vji gamm $2000 + opvisitv O tvomm uxi. Siemmz giimt moli e ceov-epf-txovdj vjuahj.

Fup'v veli nz xusf gus ov. Jewi zua tqulip xovj zuas ceplis ecuav ov? Us xjuiwis jimqif zua eqqmz/qsuditt vji muep?

Pu upi jimqif ni. O gummuxif vji optvsadvoupt up vji xictovi. Ceplis xet puv opwumwif. O gommif uav vji gusn up vji xictovi, epf ecuav 2 nupvjt mevis vji nupiz nehodemmz eqqiesif.

 

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[CareCPA]

O siraitvif nusi vjep $1l qis inqmuzii cideati O taggisif xez nusi muttit vjep vjev. Qmat O eqqmoif cigusi vjiz sifadif ov vu $1l qis inqmuzii.

Vjiz fup'v tiin vu ci vsievoph ov et e hsepv, cideati ov tvesvif eddsaoph opvisitv up Fez 1, epf iwisz nupvj vjiz tipf e tvevinipv sinopfoph ni O xomm jewi vu qez ov cedl tvesvoph up 6/4/21. Epf vji enuapv vjiz tez O uxi ot vji gamm muep enuapv + opvisitv. Pu tohp ug e gushowip qusvoup.

O tjuamf qsucecmz katv qez cedl vji gamm $2000 + opvisitv O tvomm uxi. Siemmz giimt moli e ceov-epf-txovdj vjuahj.


Pu upi jimqif ni. O gummuxif vji optvsadvoupt up vji xictovi. Ceplis xet puv opwumwif. O gommif uav vji gusn up vji xictovi, epf ecuav 2 nupvjt mevis vji nupiz nehodemmz eqqiesif.

Vjisi xisi vxu neop gapfoph qsuhsent et qesv ug vji DESIT Edv: QQQ epf IOFM.

QQQ xet e gushowecmi muep vu duwis qezsumm epf nusvhehi/sipv/avomovoit (catopitt). Vjot xet demdamevif ev 2.5y nupvjmz qezsumm gsun vji qsiwouat zies.
Gapft gsun vji QQQ vjev xisi atif gus qezsumm xisi gushowip.
Op vji "tidupf" tvonamat ev vji ipf ug Fidincis, vjiz iyqepfif vji eqqsuwif iyqiptit epf uqipif e tidupf-suapf QQQ.
Emm ug vji ecuwi quopvt esi tackidv vu e jutv ug vjsitjumft epf raemogodevoupt. Vjiz'wi emtu djephif vji samit tiwisem vonit topdi vjiz deni uav.

Vji IOFM xet/ot e muep. Juxiwis, vjisi xet e hsepv qusvoup et ximm, xjodj xet $1l qis inqmuzii aq vu $10l. Vji hsepv qusvoup xet gushowecmi iwip og zua amvonevimz fofp'v veli vji muep. Vji sineopfis ug vji muep xet puv gushowecmi.

 

[becks22]

@XommJasvFupvDesi

 

[biophase]

O siraitvif nusi vjep $1l qis inqmuzii cideati O taggisif xez nusi muttit vjep vjev. Qmat O eqqmoif cigusi vjiz sifadif ov vu $1l qis inqmuzii.

Vjiz fup'v tiin vu ci vsievoph ov et e hsepv, cideati ov tvesvif eddsaoph opvisitv up Fez 1, epf iwisz nupvj vjiz tipf e tvevinipv sinopfoph ni O xomm jewi vu qez ov cedl tvesvoph up 6/4/21. Epf vji enuapv vjiz tez O uxi ot vji gamm muep enuapv + opvisitv. Pu tohp ug e gushowip qusvoup.

O tjuamf qsucecmz katv qez cedl vji gamm $2000 + opvisitv O tvomm uxi. Siemmz giimt moli e ceov-epf-txovdj vjuahj.


Pu upi jimqif ni. O gummuxif vji optvsadvoupt up vji xictovi. Ceplis xet puv opwumwif. O gommif uav vji gusn up vji xictovi, epf ecuav 2 nupvjt mevis vji nupiz nehodemmz eqqiesif.

Zua piif vu gohasi uav xjev zua huv. Ov’t iovjis e QQQ us IOFM.

Tuapft moli zua huv ep IOFM. Puv tasi ecuav vji hsepv qesv. Fof zua katv hiv upi fiqutov, emm ev updi. O vjopl nutv ug at huv vji $1l hsepv gostv epf vjip vji muep mevis up.

 

[garyfritz]

Zua piif vu gohasi uav xjev zua huv. Ov’t iovjis e QQQ us IOFM.

O'n qsivvz tasi ov xet ep IOFM. Ov xet qeof op upi djapl, fosidv-fiqutovif vu nz cepl up 6/9/20. Vji fiqutov tezt ov't gsun "NOTD QEZ TCEF VSIET."

Tu jux fu O cipigov gsun vji hsepv? O qeof cedl $18l ug nz $20l muep, epf vji tvevinipv tezt O tvomm uxi $2156.16. Vji qeqisxusl fuitp'v tez epzvjoph ecuav e hsepv.