Who Got What in the CARES Act Lending Program? Prepare for the Next Round of Funding Now!

关心行为的贷款引发了一连串的活动ong SBA-approved banks and credit unions, as small businesses (the definition of which has irked many would-be borrowers) sought Paycheck Protection Program (PPP) and Economic Injury Disaster Loans (EIDL) under the CARES Act stimulus beginning on April 3.

根据我的轶事经验，似乎那些应用最快的人更有可能获得贷款。现在有意义了。它确实是先到先得的。有点像厕纸……谁会怀疑他们会用完？

Some interesting observations on the lending process. The PPP program was designed with the idea that business borrowers would go to their current lending institution for loans, and of course, many did. Not all financial institutions are approved SBA lenders (or SBA fans), and with some of the largest banks subjectively limiting who could apply, or experiencing well-publicized tech glitches that took them out of the running, frustrated long-term borrowers’ loyalties were stretched.

沮丧的企业主，专业服务公司的领导者甚至非营利高管都争先恐后地找到了新的贷款来源，以获得令人垂涎的资金，以赚取工资并支付其他批准的运营费用。对于某些人来说，另一个贷方的枢纽是暂时的，绝望的举动，以获取资金。其他人则感到在需要的时刻被抛弃，如果以及何时挖掘出大流行的情况，誓言要永久切换银行。有趣的是，有些人在小型信用合作社，当地银行或基于资产的贷方找到了资金援助（并在另一端与真实的现场人员接听电话），并且信不信由你信不信。

Here’s a look at a round-up of experiences I’m personally aware of:

• A local steel servicing center, eligible for the PPP loan and ready to apply – only to be told days later they are too big for their Big Bank; they got their PPP loan from a small local bank.
• 一个较大的跨国汽车供应商于4月3日上午8:30向他们的大银行提交了他们的申请，却被告知：“糟糕，不确定发生了什么。”
• 关于无缝体验的数十个故事也有数十个故事。

At no time in my career can I recall such anxiety among professionals and entrepreneurs. In defense of the less than successful circumstances, the financial information, process, qualifying criteria, and the application changed every day. A moving target that just would not slow down. Indeed, yesterday’s news is ancient history. Sometimes, this morning’s news is too.

我们看到资金开始了。对于那些拥有贷款批准的人，可能会大大松了一口气。但是，现在是一项同样至关重要的任务，跟踪使用并最大程度地提高PPP贷款的宽恕。是的，宽恕的标准每天都会改变。

当我坐在家庭办公室撰写我的第一个博客时，参议院刚刚通过了扩大的PPP融资法案。这将使现在空无一人的PPP贷款计划为另一轮资金投入额外的资金。如果并且当有第二轮资金并打算申请时，请考虑以下技巧：

1.采取行动有紧迫感申请贷款

2. Understand whether you want to apply for the PPP loan or the EIDL – or both; each has a distinct purpose and application process. Both may have new language and guidelines in their next iteration

3.依靠您的CPA或受信任的律师或业务顾问的帮助来帮助您完成整个过程

4.拥有适当可用的适当文档；知道您的SBA贷方想要什么。每个SBA贷方都不同。有些人希望您的薪资与一分钱捆绑在一起，有些人想要健康保险账单或账单，有些人希望您的公司章程，经营协议，多个签名。您今天需要知道这一点。

5. Get your application and the required support approved by your bank’s underwriters or credit team NOW.

6.坚持跟进您的贷方。我们从上一轮中学到的，使黑暗导致失望。