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Paycheck Protection Program FAQ

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What is the Paycheck Protection Program?

The Paycheck Protection Program (PPP) is administered by the federal Small Business Administration (SBA) and provides relief funding to small businesses as well as individuals who are self-employed or are independent contractors if they also meet program size standards.

A PPP loan is designed to provide a direct incentive for small businesses to keep their workers on the payroll. PPP loans are eligible for full or partial forgiveness if the money is used for qualifying costs including payroll, rent, mortgage interest, or utilities.

What is Square Capital’s relationship to PPP?

You may apply for PPP funding through Square Capital, but Square Capital, like all PPP lenders, plays no role in determining PPP requirements. All PPP requirements and guidelines are determined by the SBA. You are welcome to apply for PPP funds through Square Capital or any other approved PPP lender. Should you apply for and be approved for a PPP through Square Capital, our banking partner Celtic Bank will issue your loan and Square Capital will service your loan.

PPP funding through Square Capital has no relation to Square Capital’s regular lending program.

Who is eligible to apply for a PPP loan through Square Capital?

In order to apply for PPP funding through Square Capital, you must have a Square account and you must meet certain eligibility requirements established by the SBA (summarized below). You don’t have to process your payments with Square, but you must have a Square account.

Once you have a Square account, you’re eligible to apply for PPP funding through Square Capital if:

  1. You’re a small business with fewer than 500 employees (including sole proprietorships, independent contractors and self-employed persons), private non-profit organization, or 501(c)(19) veterans organizations affected by coronavirus/COVID-19; and
  2. You were in operation on or before Feb 15, 2020

Businesses in certain industries may qualify even if they have more than 500 employees if they meet the SBA’s size standards for those industries. Small businesses in the hospitality and food industry with more than one location could also be eligible if their individual locations employ less than 500 workers.

Businesses that aren’t eligible for PPP loans are determined by the SBA and are identified in 13 CFR 120.110, and described further in SBA’s Standard Operating Procedure (SOP) 50 10, Subpart B, Chapter 2. Exceptions include non profit organizations authorized by the CARES Act.

Your processing through Square or history of loans through Square Capital will not have any impact on your approval for PPP.

What will my business need to apply?

In general, you can expedite your application review by filing your 2019 taxes before you apply and having those forms available to upload in the application. If these forms aren’t prepared yet, you will want to have payroll reports from your payroll provider ready to upload.

Your business will need the following to apply, as required by the SBA. For the most up to date details about these requirements, you can visit the SBA’s website.

Verification Requirements

Here’s what you will need to verify:

  • Your average monthly payroll costs
  • That you had employees on or before February 15, 2020
  • That your business was operational on or before February, 15 2020
  • Your personal and business information

IMPORTANT! The numbers you enter into the application must exactly match your supporting documentation. Overestimating values when filling out the application will only slow down the review process, and may result in a decline of your loan request.

For Employers

Because PPP loans are intended to help you continue making payroll, the loan size is based on your average monthly payroll costs.

To determine your average monthly payroll:

  • Most employers should take your annual payroll costs and divide them by 12. “Annual” here can mean either 2019 or the last 12 months.
  • Seasonal employers may determine average monthly payroll using the 12-week time period starting from February 15, 2019 or March 1, 2019.
  • New employers not in business from February 15 - June 30, 2019, may determine average monthly payroll using the time period January 1 - February 29, 2020.
  • All employers should exclude gross pay over $100,000 on an annualized basis for each employee. Employers should also exclude compensation of an employee whose principal residence is outside of the US.

Annual payroll costs include the following kinds of payments made to W-2 employees:

  • Gross Pay (e.g., salary, wages, paid leave, sick pay)
  • Employer-Paid State and Local Taxes (e.g., state unemployment tax)
  • Healthcare Benefits
  • Retirement Benefits

In the event we ask you to upload documents to verify your information, here’s what you can provide.

Payroll Verification:

Tax forms, which verify your gross pay. Uploading any of these will expedite your application review.

Reports from your payroll provider

  • Many providers have created specific reports for this loan application, called either “CARES Act” or “SBA PPP” monthly payroll cost reports. Check to see if your provider has one. This specific kind of report is faster to review than more generic reports with gross earnings for your employees.
    • For most sellers, we can use reports from either 2019 or the last 12 months.
  • If you want to use the seasonal calculation for your loan, then get the data for 12 weeks after February 15, 2019 or March 1, 2019.
  • If you were a new business in 2020, then get the data for January 1 - February 29, 2020.
    • If you have employees and you are a sole proprietor, independent contractor, or self-employed individual, in addition to one of the above, you must also provide a 2019 Form 1040, Schedule C listing your business income and expenses.

If you need to upload documents to verify your status as an employer in February 2020, you can use:

  • Reports from your payroll provider that include Feb 2020
  • Paystubs from Feb 2020

If you need to upload documents to verify your business was operational in February 2020, you can use:

  • Utility bill, lease, bank account statement, or payroll processor statement with your business name from February 2020

For Non-Employers (including Sole Proprietors, Independent Contractors, Self-Employed Individuals)

For sole proprietorships without employees, independent contractors, and self-employed individuals, business net profit up to $100,000 on an annualized basis can be counted as payroll costs. We’ll ask you to upload your 2019 Form 1040, Schedule C and a U.S. government issued I.D., so please have them handy when you apply. If you haven’t filed your 2019 Form 1040, Schedule C yet, don’t worry. We just need it filled out.

If you need to upload documents to verify your business was operational on February 15, 2020, you can use:

  • Utility bill, lease, bank account statement, or payroll processor statement with your business name from February 2020

All Businesses (Employers and Non-Employers)

All businesses will also be required to verify their personal and business information with the following documentation, if so requested:

Personal information

  • Social Security Card
  • Individual Taxpayer Identification number (ITIN)
  • Government issued I.D.

Business information

  • Your business’s government issued SS-4 (EIN confirmation letter); or
  • Your most recent business tax returns confirming your business name and TIN; or
  • If you are a sole proprietor, your business name is the same as your first and last name and your TIN will be your Social Security number. Some sole proprietors may also register DBA (doing-business-as) names. If you have a DBA, you’ll be asked to provide it in the application. Find out your business entity type by taking a look at your tax returns.

General FAQs

Can I cancel my PPP application?

You can only cancel your PPP application up until it is verified by Square Capital. If your PPP application is approved by the SBA, you can cancel your loan within two business days of the date of your loan listed in your loan agreement.

To cancel your application:

  1. Navigate to the Capital Tab of your Square Dashboard.
  2. Click View details on your PPP loan.
  3. Click the three dots on the top right corner of your Application details.
  4. Click on Cancel loan request.
  5. Confirm cancelation by clicking on Yes, cancel loan request.

My PPP application has been approved by the SBA, but I want to cancel by loan. What should I do?

You can cancel your loan within 2 business days of the date of loan listed on the agreement. To cancel your loan:

  1. Navigate to the Capital Tab of your Square Dashboard.
  2. Click View details on your PPP loan.
  3. Click the three dots on the top right corner of your Loan details.
  4. Click on Cancel loan.
  5. Confirm cancelation by clicking on Yes, cancel loan.

Please note, if the cancellation is successful, you will not be able to reapply for another PPP loan through Square, and we cannot guarantee future SBA loan eligibility.

If the PPP loans funds have been sent to the bank account on file, Square Capital, LLC will initiate a debit for the disbursed loan amount. Please ensure the loan funds are available for us to debit. If the debit for the disbursed balance is unsuccessful, the loan will not be cancelled: it will be reopened and interest accrual will apply.

Please do NOT send a check or any additional payments to Square, Celtic Bank, or the SBA. Doing so may result in an additional cancellation ACH debit to your bank account and longer processing time of your cancellation request.

Once Square Capital processes your cancellation, you will receive a follow-up email confirmation in 5 to 15 business days regarding your PPP loan cancellation status.

I haven’t filed my taxes yet. Can I submit draft forms?

As determined by the SBA’s PPP guidelines, we cannot accept draft IRS forms from employers.

As determined by the SBA’s PPP guidelines, if you are a non-employer and you haven’t filed your annual 2019 or Q1 2020 taxes, you can use draft forms using IRS templates.

Can I submit self-generated forms?

No. We cannot accept any self-generated forms, either hand written or computer generated. They need to be generated by a provider, such as a payroll provider or accounting software.

Can I submit a Q1 2020 Form 941?

If your business was operational before January 1, 2020 and is eligible to select quarterly Forms 941 to verify payroll, you may also submit a Q1 2020 Form 941. We will accept up to 4 quarterly Forms 941, either from any of the last 4 quarters or from any of the 4 quarters of 2019.

Can I submit 2020 payroll data?

You can submit up to 12 months of payroll data, either from January through December 2019 or from the last 12 months.

Who counts as an employee?

Employees are part-time, hourly, or full-time staff who submit a W-2. Independent contractors and self-employed individuals who submit a 1099 are not considered employees.

I don’t have the listed payroll document because I don’t have employees, what should I do?

If you don’t have employees, and are a sole proprietorship, independent contractor, or self-employed individual, you should apply as a non-employer by answering “no” to the question “Did you have employees on February 15, 2020?” at the beginning of the application and follow the prompts accordingly.

My business has an active loan through Square Capital. Can I still apply for PPP through Square Capital?

Yes. If you have an active or prior loan through Square Capital, you can apply for a PPP loan through Square Capital if you meet PPP eligibility requirements. However, previous approval for a loan through Square Capital does not guarantee approval for a PPP loan through Square Capital.

If you have an active loan through Square Capital and are approved for a PPP loan through Square Capital, your PPP loan will not be used to automatically repay your active loan through Square Capital. Repayment for both loans will be separate. Your active loan through Square Capital will be automatically repaid via a percentage of sales made through Square. In addition, you may also make additional, voluntary prepayments in your Square Dashboard. Your PPP loan will be repaid via monthly automatic debits from your linked bank account after the deferral period, if your PPP loan is not forgiven.

While you can apply for a PPP loan through multiple lenders, you can only be approved for one PPP loan. The PPP program limits one loan per business entity.

How long does the PPP application review process take?

We will work to process your application as fast as we can. Processing times can depend on PPP application volume, internal SBA systems, and the completeness of all documentation you submit to support your loan application. We will notify you through email and your Square Dashboard once a credit decision has been made.

How is my PPP loan amount calculated?

The SBA has issued specific instructions for how all PPP lenders must calculate the loan amount. The PPP loan amount = Average Monthly Payroll (excluding payroll costs over $100,000) x 2.5 + EIDL loan (net of advance). The more accurate your average monthly payroll (i.e. the closer it matches your supporting documentation), the higher chance your application has of getting approved, and faster. Here are some examples:

No employees make more than $100,000

a. Annual payroll: $120,000
b. Average monthly payroll (divide a. by 12): $10,000
c. Multiply b. by 2.5 = $25,000
d. Maximum loan amount = $25,000

Some employees make more than $100,000

a. Annual payroll: $1,500,000
b. Compensation amounts in excess of an annual salary of $100,000: $300,000
c. Subtract b. from a: $1,200,000
d. Average monthly qualifying payroll (divide c. by 12): $100,000
f. Multiply d. by 2.5 = $250,000
g. Maximum loan amount = $250,000

No employees make more than $100,000, outstanding EIDL loan of $10,000

a. Annual payroll: $120,000
b. Average monthly payroll (divide a. by 12): $10,000
c. Multiply b. by 2.5 = $25,000
d. Add EIDL loan of $10,000 = $35,000
e. Maximum loan amount = $35,000

Some employees make more than $100,000, outstanding EIDL loan of $10,000

a. Annual payroll: $1,500,000
b. Compensation amounts in excess of an annual salary of $100,000: $300,000
c. Subtract b. from a: $1,200,000
d. Average monthly qualifying payroll (divide c. by 12): $100,000
e. Multiply d. by 2.5 = $250,000
f. Add EIDL loan of $10,000 = $260,000
e. Maximum loan amount = $260,000

Non Employers (e.g. sole proprietorships, independent contractors, and self-employed individuals) who make less than $100,000. (Annualized net profit up to $100,000 may be counted as “payroll costs”.)

a. Annual net profit : $60,000
b. Average monthly “payroll costs” (divide a. by 12): $5,000
c. Multiply b. by 2.5 = $12,500
d. Maximum loan amount = $12,500

Non Employers (e.g. sole proprietorships, independent contractors, and self-employed individuals) who make more than $100,000. (Annualized net profit up to $100,000 may be counted as “payroll costs”.)

a. Annual net profit : $120,000
b. Annual net profit in excess of $100,000: $20,000
c. Subtract b. from a: $100,000
d. Average monthly “payroll costs” (divide c. by 12): $8,333.33
e. Multiply d. by 2.5 = $20,833.33
f. Maximum loan amount = $20,833.33

Why can’t I apply if I have an Economic Injury Disaster Loan?

Currently, Square Capital is not accepting PPP applications from businesses that have received an Economic Injury Disaster Loan (EIDL). You may apply through another lender if you have received EIDL support.

Is a personal guarantee required for this loan?

No. There is no personal guarantee requirement for a PPP loan.

I am not a sole proprietor, independent contractor, or self employed individual and I don’t have employees. Should I apply as an employer or non-employer?

Only sole proprietors with no employees, independent contractors, or self-employed individuals can apply as non-employers. If you are a sole proprietor with employees or any other business entity, you must apply as an employer.

What qualifies as payroll costs?

Payroll costs, as defined by the SBA, consist of:

  1. Compensation to employees (whose principal place of residence is the United States) in the form of salary, wages, commissions, or similar compensation
  2. Cash tips or the equivalent (based on employer records of past tips or, in the absence of such records, a reasonable, good-faith employer estimate of such tips)
  3. Payment for vacation, parental, family, medical, or sick leave; allowance for separation or dismissal
  4. Payment for the provision of employee benefits consisting of group health care coverage, including insurance premiums, and retirement
  5. Payment of state and local taxes assessed on compensation of employees
  6. For an independent contractor or sole proprietor, wage, commissions, income, or net earnings from self-employment or similar compensation.

What does not qualify as payroll costs?

The SBA has determined the following do not qualify as payroll costs. You should therefore not count them towards your average monthly payroll, nor should you use PPP funds to cover these expenses.

  1. Any compensation of an employee whose principal place of residence is outside of the United States
  2. The compensation of an individual employee in excess of an annual salary of $100,000, prorated as necessary
  3. The compensation of an individual who received a 1099, as opposed to a W-2
  4. Federal employment taxes imposed or withheld between February 15, 2020 and June 30, 2020, including the employee’s and employer’s share of FICA (Federal Insurance Contributions Act) and Railroad Retirement Act taxes, and income taxes required to be withheld from employees
  5. Qualified sick and family leave wages for which a credit is allowed under sections 7001 and 7003 of the Families First Coronavirus Response Act (Public Law 116–127)

How can my business use PPP funds?

The purpose of the PPP is to help you retain your employees, at their current base pay, and cover other essential business costs. To be eligible for full loan forgiveness, you must use at least 60% of PPP funds to cover qualifying payroll costs and the remainder may be used for qualifying non-payroll costs. If you do not use PPP for these purposes, your PPP loan will not be forgiven and you will be required to pay back the loan. Businesses have up to 24 weeks from the date you received the loan to spend the funds and be eligible for loan forgiveness.

What qualifies as non-payroll costs I can use PPP funds to cover?

While you must use at least 60% of PPP funds to cover qualifying payroll costs, the remainder also be used to cover the following non-payroll costs:

  • Costs related to the continuation of group health care benefits during periods of paid sick, medical, or family leave, and insurance premiums
  • Mortgage interest payments (but not mortgage prepayments or principal payments)
  • Rent payments
  • Utility payments
  • Interest payments on any other debt obligations that were incurred before February 15, 2020 (note, these types of payments are not forgivable)

Forgiveness FAQs

Employers

If you applied for your PPP loan with a Form 940, 941, 944, or W-2.

You may be eligible for for full forgiveness if:

  • Entire loan is used for qualifying costs:

  • At least 60% is used for payroll
  • And the rest is used for business rent, business utilities, or mortgage interest on a business property
  • You either don’t lay off employees or rehire them by December 31, 2020
  • For your employees who make less than $100,000 a year, you either don’t cut their wages by more than 25% or you restore their original wages by December 31, 2020
  • Note: If you received an EIDL Advance, the amount of that EIDL Advance will be deducted from your total forgiveness amount.

You may be eligible for for partial forgiveness if:

  • You lay off employees, and don’t rehire them by December 31, 2020, the forgiveness amount will be reduced by the percent decrease in employees
  • For example, if you lay off 20% of your employees, your forgiveness amount may be reduced by 20%
  • Your total payroll expenses for employees who make less than $100,000 a year decreases by 25% or more for each employee, the forgiveness amount may be reduced by the same percentage
  • You received an EIDL Advance

Non-Employers

If you applied for your PPP loan with a Form 1040 Schedule C.

If you selected the full loan amount in your PPP application, your loan may be fully forgivable if:

  • Your owner compensation replacement is limited to eight weeks of your 2019 net profit reported on your Form 1040 Schedule C
  • No more than 40% of loan funds are spent on certain business expenses that are deductible on your Form 1040 Schedule C, such as business utilities, business rent, or mortgage interest on a business property. (Rent, utilities, or mortgage interest for your personal residence don’t count).

If you selected the smaller loan amount, your business doesn’t need to meet the spending requirement to be eligible for forgiveness.

Note: If you received an EIDL Advance, the amount of that EIDL Advance will be deducted from your total forgiveness amount.

When will the PPP loan be forgiven?

We are working now on an easy application to apply for loan forgiveness and adjust your loan balance automatically. We’ll notify you by email and on your Square Dashboard when it’s ready. You don’t need to send us anything just yet. We’ll notify you by email when the time to apply for forgiveness is near, so you’ll always have the information you need.

Can my PPP loan be forgiven in whole or in part?

Yes. PPP loans (the full principal amount and any accrued interest) may be forgiven, meaning they do not have to be repaid. If you do not apply for forgiveness, you will have to repay the loan. We recommend you maintain documentation showing you used loan funds for eligible purposes to help facilitate the forgiveness process. Businesses have up to 24 weeks from the date you received the loan to spend the funds and be eligible for loan forgiveness.

In general, PPP loan forgiveness may be provided as follows. For more detail on PPP loan forgiveness, please consult the SBA website. Accepting a PPP loan may affect your eligibility for state-administered unemployment compensation or unemployment assistance programs.

Does my business have to do anything for the PPP loan to be forgiven?

Yes. You will have to apply for forgiveness and provide documentation verifying the loan was used for acceptable purposes. At least 60% of your PPP loan must be used for payroll costs and the remainder must only be used for qualifying non-payroll costs. Businesses have up to 24 weeks from the date you received the loan to spend the funds and be eligible for loan forgiveness.

If you lay off employees, the forgiveness amount will be reduced by the percent decrease in the number of employees. If your total payroll expenses on workers making less than $100,000 annually decreases by more than 25%, the loan forgiveness amount will be reduced by the wage decrease exceeding 25%. If you have already laid off some employees, you can still be forgiven for the full amount of your payroll cost if you rehire your employees by December 31, 2020.

If you do not apply for forgiveness and use the loan for these purposes you will have to pay back the loan.

What are the interest rate and terms for the PPP loan amount that is NOT forgiven?

PPP loans that are not used for qualifying payroll costs and qualifying non-payroll costs will not be forgiven. PPP loans that are not forgiven will have a 1% fixed annual interest rate and over the term of the loan. Interest will start accruing the day the loan is originated. Repayment will be made with monthly payments, which will be automatically debited from your Square linked account. Repayment is deferred to the date of your loan forgiveness decision. Businesses must begin making payments if they do not apply for and receive forgiveness within about 16 months of receiving the PPP loan funds.

Can expenses forgiven by the SBA be deducted in my 2020 tax returns?

For any portion of your PPP loan that is forgiven, you won’t be able to deduct those business expenses covered by PPP forgiveness on your 2020 taxes. You won’t be able to count the forgiven portion of your PPP loan as part of your 2020 gross income either.

Application FAQs

What is the deadline to apply for a PPP loan?

As of July 1, 2020, the SBA will no longer be approving PPP loans. In order to meet the SBA’s deadline, we will stop accepting new applications on June 14 and stop processing completed applications on June 23.

I made a mistake on my application. What should I do?

If you believe you have entered something incorrectly on your application after submission, you can cancel your application in your Square Dashboard until it is verified by Square Capital. To do so:

  1. Navigate to the Capital Tab of your Square Dashboard.
  2. Click View details on your PPP loan.
  3. Click the three dots on the top right corner of your Application details.
  4. Click on Cancel loan request.
  5. Confirm cancelation by clicking on Yes, cancel loan request.

It is important that the information on the application is entered correctly to help ensure you can be eligible for full forgiveness. Please note, we cannot modify your application after it has been verified by Square Capital. If you are approved, you have the option to cancel within 2 business days of the date of your loan listed in your loan agreement.

My application was declined, but I can reapply. What are common mistakes I should avoid when reapplying?

Some PPP applications are declined based on the documentation or information provided. In these cases, you may be able to reapply with new documents or information by returning to your Square Dashboard.

We would like to help you reapply, but if you are unable to submit corrected information or acceptable documents, we unfortunately cannot provide any additional assistance on your application. Here are some common mistakes you should avoid when reapplying. Please also see the SBA website for further information, as we are working within their guidelines.

Common application mistakes

Employers:

You are an employer if you filed a W-2 for at least one employee including yourself. Please note that independent contractors do not qualify as employees and you would be considered a Non-Employer if you only had independent contractors (see above list).

Proof of employee payroll

If you noted in your application that you have employee payroll costs, we will need you to provide documentation. The following 2019 IRS Forms may help us quickly review your application: W-3, 940, 941s or 944.

941 quarterly documents

Please note that if you choose to provide 941s, they can include the following four periods.

  • Q1, Q2, Q3 and Q4 of 2019
  • Q2, Q3, Q4 of 2019 and Q1 of 2020

Only quarters submitted will be used to calculate the size of your loan. (For example, if you only provide Q1 of 2019, we will only be able to verify that amount for the entire year.) You need to provide 4 quarterly 941s if you have had employees for 4 consecutive quarters starting in Q1 or Q2 2019.

CARES SBA - PPP payroll report

If you do not have the 2019 tax forms to document payroll costs and you use a major payroll provider, you may be able to download a CARES SBA - PPP payroll report through your payroll provider.

Partnerships use form 1065 and Schedule K-1

If you are a partnership, please provide your complete partnership tax return from 2019. This should include Form 1065 and a Schedule K-1 for each partner. Individual partners may not apply for separate PPP loans.

Partnerships with employees

If you are a partnership and also have employees, we will also need documentation showing employee payroll costs. The following 2019 IRS Forms may help us quickly review your application: W-3, 940, 941s or 944.

Corporations use Form 1120 or 1120-S

If you are a corporation, please provide your complete corporation tax return from 2019. This should include Form 1120 or 1120-S if you offer health or retirement benefits. If you are a corporation and also have employees, we will need documentation showing employee payroll costs. The following 2019 IRS Forms may help us quickly review your application: W-3, 940, 941s or 944.

1099-MISC does not qualify

Please note that Form 1099-MISC provides information to the IRS about non employment income. We will not be able to verify payroll costs to employees if you provide a Form 1099-MISC.

Self-employed with employees

If you have employees and are self employed, we will need your 2019 1040 Schedule C and documentation to verify your payroll costs to employees, even though your taxes do not have to be filed with the IRS yet. If the name on your Schedule C does not match the applicant name, your application will be declined. The following 2019 IRS Forms may help us quickly review your application: W-3, 940, 941s or 944.

Non-Employers:

You are a non-employer if your business did not file a W-2 for any employee including yourself. Please note that independent contractors are not considered employees.

2019 1040 Schedule C required

You’ll need to have a prepared 2019 1040 Schedule C form to upload, even though your taxes do not have to be filed yet with the IRS. This form will be submitted to the SBA with your application.

Unmatched names

If the name on your Schedule C does not match the applicant name, your application will be declined.

Net profit must be positive

If Line 31 Net Profit on your 2019 1040 Schedule C is negative or zero, you unfortunately do not qualify for the Paycheck Protection Program.

Partnerships without employees do not qualify

If you are a partnership and do not have employees, you unfortunately do not qualify for the Paycheck Protection Program through Square Capital. You may qualify with another lender.

Corporations without employees do not qualify

If you are a corporation and do not have employees, you unfortunately do not qualify for the Paycheck Protection Program.

1099-MISC does not qualify

If you have independent contractors, they may have received a Form 1099-MISC in place of a W-2 form. Form 1099-MISC can not be used to size your PPP loan. If your business did not file any W-2s in 2019, we will need your 2019 1040 Schedule C.

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