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Old 03-26-2020, 09:25 AM  
Trivers Trivers is offline
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Hey Small Business Owners...What are you doing to ride the storm out?
How are you handling HR issues?

Are you applying for SBA loans?
There are several types of loans. And new info is appearing daily.

Capital up to $10MM.
Up to 30 years to repay. Some actually are forgivable.
3.75 to 4%

https://disasterloan.sba.gov/ela/

https://www.inc.com/kevin-j-ryan/sma...incthismorning



My world: Everyone at the software companies are working remotely. The chocolate factory shut down yesterday due to not be considered an essential business. The chocolate elve had already left due to health concerns. I handle all the commercial rentals myself so no impact:

I don't intend to lay-off anybody...if this stretches into June or July...then we may look at cutting salaries by 25 to 50%. With the $1,200 everyone is getting already from the gov, and the 4 month unemployment (+$600/week additional), if we have to do layoffs, then the Team will not be totally without funds.

What are you doing to ride the storm out?
Last edited by Trivers; 04-02-2020 at 06:02 AM..
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Old 04-21-2020, 10:30 AM   #571
Mr. Plow Mr. Plow is offline
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1. not an acceptable expense
2. yes an acceptable expense
3. if lease agreement exists, an acceptable expense
4. yes an acceptable expense
Thanks man!
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Old 04-21-2020, 11:08 AM   #572
dlphg9 dlphg9 is offline
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Shake shack returned the money.
Alot of good that returned money is doing. It doesnt get to be used now.
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Old 04-21-2020, 03:32 PM   #573
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Mother****ing Shake Shack got $10 mil from the PPP and many actual small businesses couldn't get a dime, myself included. $10 mil is a significant amount of money and could have helped a ton of small businesses/ICs/self employed.

How in the hell did they even get approved for this? And another question is what in the **** is going on with Congress and additional funding? Yesterday morning they were talking about being very close to a deal and there hasn't been an update since.
I with you my friend! It’s infuriating to another level. I heard that the big companies are getting away with this because like in Shake Shacks case each of their stores have around 49 employees. Doesn’t matter that the have 189 stores. I heard this from a small business expert. Not sure how true but it would make since. Total BS if true !!!
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Old 04-21-2020, 08:04 PM   #574
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Old 04-21-2020, 08:11 PM   #575
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Got ****ed.

I'll be okay.

This kind of shit fueled me to get where I am today.
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Old 04-21-2020, 08:32 PM   #576
dlphg9 dlphg9 is offline
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Additional funds are going to be approved soon. I already reached out to a local bank and will have my application in tomorrow, so that it can be immediately submitted this time. Im not missing out this time around.
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Old 04-21-2020, 09:22 PM   #577
Buehler445 Buehler445 is offline
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I heard there were a bunch of cases out your way. Believe they did come from the packing plant, but not 100% on that. Think there is some rain coming today/tonight - not sure it's gonna hit you or not, but sounds like it's going to be pretty heavy for us. Hope it comes through for you.
I think those are in ford county (dodge city). If they shut that down it won’t be good.
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Old 04-21-2020, 09:46 PM   #578
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Rain. That's a good one.

Post jokes in the "Makes you laugh" thread, Plow.
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Old 04-22-2020, 07:36 AM   #579
Mr. Plow Mr. Plow is offline
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I think those are in ford county (dodge city). If they shut that down it won’t be good.
Did you get any rain? We got drenched overnight.
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Old 04-22-2020, 09:04 AM   #580
mililo4cpa mililo4cpa is offline
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Additional funds are going to be approved soon. I already reached out to a local bank and will have my application in tomorrow, so that it can be immediately submitted this time. Im not missing out this time around.
Prob end of the week before signed into law....$310B for PPP, $60B for EIDLs....didn't close the "Shake Shak" loopholes....uncertain if you need to reapply if you missed PPP the first time around (I suspect no)....

Not going to be enough overall for small business....first tranche of PPP was $349B, and they wrote 1.6M loans, average of about $240K per.....

At that rate they'll write another 1.2M loans.....so about 3m loans total out of 30M small businesses (not to mention some of those loans weren't really to small business)

Crazy times we live in!
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Old 04-22-2020, 09:32 AM   #581
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Originally Posted by mililo4cpa View Post
Prob end of the week before signed into law....$310B for PPP, $60B for EIDLs....didn't close the "Shake Shak" loopholes....uncertain if you need to reapply if you missed PPP the first time around (I suspect no)....

Not going to be enough overall for small business....first tranche of PPP was $349B, and they wrote 1.6M loans, average of about $240K per.....

At that rate they'll write another 1.2M loans.....so about 3m loans total out of 30M small businesses (not to mention some of those loans weren't really to small business)

Crazy times we live in!
Couple quick questions

Since im an IC, do I just put my name under the Business Legal Name portion?

Under the Applicant Ownership portion where it wants you to list all people that own at least 20% of the equity of applicant, do I need to put my information in those boxes since its just me and I've already put my info in?

Im putting in another app with a small local bank because I was an idiot and applied with paypal and I know they will take their sweet ass time and I'll miss out.
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Old 04-22-2020, 09:43 AM   #582
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Old 04-22-2020, 10:20 AM   #583
SAUTO SAUTO is offline
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mnuchin also said he thinks this will be the last of the money going into this.

everyone that needs it should get their applications to their banker right now...
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Old 04-22-2020, 10:50 AM   #584
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mnuchin also said he thinks this will be the last of the money going into this.

everyone that needs it should get their applications to their banker right now...
Just from anecdotal evidence, I'd say get with a small bank. Seems like larger banks had more issues the first time around than the small banks.
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Old 04-22-2020, 11:10 AM   #585
Buehler445 Buehler445 is offline
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Did you get any rain? We got drenched overnight.
Jesus **** no. We got a sprinkle in the afternoon and ****all else. I was really bummed this morning. Started a pivot. At least that wheat won’t die.

Quote:
Originally Posted by dlphg9 View Post
Couple quick questions

Since im an IC, do I just put my name under the Business Legal Name portion?

Under the Applicant Ownership portion where it wants you to list all people that own at least 20% of the equity of applicant, do I need to put my information in those boxes since its just me and I've already put my info in?

Im putting in another app with a small local bank because I was an idiot and applied with paypal and I know they will take their sweet ass time and I'll miss out.
I think it depends on how your business is structured. Definitely get in there and talk to a bank. Like today.
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