SBA, 8월 10일 용서 플랫폼 출시

The SBA will launch a new PPP Forgiveness Platform for lenders beginning August 10, 2020. The platform is designed to ensure a secure forum for lenders to upload and accept loan forgiveness decisions, monitor the status of the forgiveness request and work directly with the SBA if the circumstance arises that the loan has been selected for review.  All necessary training materials for using the Platform will be provided in conjunction with the launch. 

All PPP lender Authorizing Officials (AOs) currently in the CAFS/ETRAN system will receive a welcome email from SBA (PPPForgivenessRequests@SBA.gov) with instructions on how to access this new platform which will be available on their website or through the Capital Access Financial System (CAFS) at caweb.sba.gov..

How to prepare for the platform

With more than a week before the platform launches, make sure the application and supporting documents are ready. Businesses that received PPP funds must complete a Loan Forgiveness Application and submit to their lender before the end of the 8-week or 24-week counted period. Lenders must review this application within 60 days of receiving it and submit it to the SBA.

 If the lender determines that the borrower is entitled to forgiveness of some or all of the amount applied for under the statute and applicable regulations, it should be noted in the request that is sent to the SBA. The platform will allow lenders to view the borrower’s full portfolio, giving them up-to-date feedback on the request. 

The platform allows Forgiveness Applications to be submitted three different ways, so borrowers should communicate with their institution to determine which option is best. The SBA allows lenders to manually submit individual decisions, connect via API to submit decisions, or software providers may connect via API and submit decisions on a Lender’s behalf.

Confirming Forgiveness 

 The SBA provided the following steps for lenders to calculate forgiveness based on forms 3508 and 3508EZ 

When a borrower submits SBA Form 3508 or Lender’s equivalent form, the Lender shall:

1) confirm receipt of the borrower certifications contained in the SBA Form 3508 or Lender’s equivalent form; 

2) confirm receipt of the documentation the borrower must submit to aid in verifying payroll and nonpayroll costs, as specified in the instructions to the SBA Form 3508 or Lender’s equivalent form; 

3) confirm the borrower’s calculations on the borrower’s SBA Form 3508 or Lender’s equivalent form, including the dollar amount of the (A) Cash Compensation, Non-Cash Compensation, and Compensation to Owners claimed on Lines 1, 4, 6, 7, 8, and 9 on PPP Schedule A and (B) Business Mortgage Interest Payments, Business Rent or Lease Payments, and Business Utility Payments claimed on Lines 2, 3, and 4 on the PPP Loan Forgiveness Calculation Form, by reviewing the documentation submitted with the SBA Form 3508 or Lender’s equivalent form; 

4) confirm that the borrower made the calculation on Line 10 of the SBA Form 3508 or Lender’s equivalent form correctly, by dividing the borrower’s Eligible Payroll Costs claimed on Line 1 by 0.60. 

When the borrower submits SBA Form 3508EZ or Lender’s equivalent form, the Lender shall: 

1) confirm receipt of the borrower certifications contained in the SBA Form 3508EZ or Lender’s equivalent form; 

2) confirm receipt of the documentation the borrower must submit to aid in verifying payroll and nonpayroll costs, as specified in the instructions to the SBA Form 3508EZ or Lender’s equivalent form; 

3) confirm the borrower’s calculations on the borrower’s SBA Form 3508EZ or Lender’s equivalent form, including the dollar amount of the Payroll Costs, Business Mortgage Interest Payments, Business Rent or Lease Payments, and Business Utility Payments claimed on Lines 1, 2, 3, and 4 of the SBA Form 3508EZ or Lender’s equivalent form, by reviewing the documentation submitted with the SBA Form 3508EZ or Lender’s equivalent form; 

4) confirm that the borrower made the calculation on Line 7 of the SBA Form 3508EZ or Lender’s equivalent form correctly, by dividing the borrower’s Eligible Payroll Costs claimed on Line 1 by 0.60.