On Wednesday, January 6, the Small Business Administration (SBA) released updated guidance for the Paycheck Protection Program (PPP), reflecting changes and updates made by the December 2020 COVID-19 relief bill. The SBA also announced that the program will reopen for new applications on Monday, January 11 for new borrowers, and on Wednesday, January 13 it will begin accepting applications from borrowers who qualify for second-draw PPP loans. In addition, qualifying 501(c)(6) organizations will be able to apply for PPP loans for the first time. At this time, the SBA has not released updated application forms. NAR will share those as soon as they are available.
In addition, the IRS has released updated guidance reflecting the legislative change made allowing for deductibility of business expenses paid for with PPP loans. Previously the IRS had ruled that business expenses paid for with forgiven PPP loan money were not eligible to be tax-deductible, despite Congressional intent that they be. The December 2020 COVID-19 relief bill corrected this error.
NAR is updating its SBA resources to reflect these announcements, and will provide the new application materials as soon as they are available.
Read the SBA Updated Guidancepdf