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EIDL FORGIVENESS: CAN EIDL RELIEF LOANS BE FORGIVEN? The COVID-19 pandemic has riddled the US with both a health crisis and an economic one. Small businesses have been particularly affected — according to the National Federation of Independent Business, 92% of small employers have been negatively impacted by the novel coronavirus. In response to the woes facing the economy, the US government has allocated funds to help support businesses BRAINTREE VS PAYPAL 2021: WHICH IS BETTER FOR ONLINE PAYMENTS? Braintree VS PayPal. Braintree is aimed at higher-volume eCommerce businesses that need a lot of custom control over their payment processes. In contrast, PayPal is designed to be simple and easy to use for merchants with modest eCommerce needs. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT?WHO IS CONSIDERED AN OWNER FOR PPP LOANS?FOR PURPOSES OF THE OWNER COMPENSATION REPLACEMENT CLAUSE, ANYONE WHO FILES A FORM 1040 SCHEDULE C OR SCHEDULE F CAN CLAIM IT. MORE BROADLY SPEAKIN...IS OWNER COMPENSATION REPLACEMENT TAXABLE?ANY AMOUNT FORGIVEN VIA OWNER COMPENSATION REPLACEMENT IS NOT CONSIDERED TAXABLE. YOU CAN EVEN DEDUCT BUSINESS EXPENSES THAT YOU PAY USING THIS MONEY.CAN I GET UNEMPLOYMENT AND PPP AT THE SAME TIME?RECEIVING PPP MAY CONFLICT WITH ANY UNEMPLOYMENT BENEFITS YOU ARE RECEIVING. YOU SHOULD REPORT ANY MONEY YOU RECEIVE THROUGH PPP TO YOUR STATE TO A...WHAT DOCUMENTS ARE NEEDED FOR PPP FORGIVENESS TO GET MY COMPENSATION FORGIVEN?IF YOU’RE A SOLE PROPRIETOR, CHANCES ARE YOU CAN GET AWAY WITH FILING A FORM 3508EZ, WHICH IS THE SHORTER, SIMPLER PPP FORGIVENESS FORM. WHILE YOU...WHAT ARE THE OTHER RULES FROM PPP FORGIVENESS?WHILE THE OWNER COMPENSATION REPLACEMENT RULES ARE PRETTY STRAIGHTFORWARD, THERE ARE QUITE A FEW RULES GOVERNING PPP LOAN FORGIVENESS BROADLY SPEAK... The Owner Compensation Replacement rule allows the self-employed to claim a portion of their PPP funds as personal compensation while still receiving forgiveness for the loan. The PPP typically uses your average monthly payroll expenses (with salaries capped at $100,000) to establish how much money you can borrow. WHAT IS THE SBA SUPPLEMENTAL TARGETED EIDL ADVANCE? Fortunately, the government has allotted funds to continue to support the hardest-hit businesses. One new funding opportunity to consider is the Supplemental Targeted EIDL Advance, which became available on April 22, 2021. In this article, we’ll do a deep dive into what this program is, who qualifies, and how you can apply. PPP LOANS: 7 LENDERS OFFERING PPP2 LOANS ONLINE Christmas came late this year for small businesses, but hope is finally on the way. The long-awaited second COVID relief bill has finally passed, and wrapped up in this legislation is the gift of $284 billion in forgivable Paycheck Protection Program (PPP) loans for small businesses.These loans are hot commodities for hard-hit businesses during the COVID-19 pandemic, as they have an interest 5 BANKS THAT ARE CURRENTLY ACCEPTING PPP LOAN APPLICATIONS May 5, 2021: The SBA has stopped accepting PPP applications due to lack of funds. The SBA will continue to fund outstanding applications that have been already approved. Explore your other loan options with our top ten lenders or visit the lending marketplace Lendio to get matched with the best offers for your business. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. Referred to as the ARP (and sometimes as the ARPA), it comes one year after thepassage of
EIDL FORGIVENESS: CAN EIDL RELIEF LOANS BE FORGIVEN? The COVID-19 pandemic has riddled the US with both a health crisis and an economic one. Small businesses have been particularly affected — according to the National Federation of Independent Business, 92% of small employers have been negatively impacted by the novel coronavirus. In response to the woes facing the economy, the US government has allocated funds to help support businesses BRAINTREE VS PAYPAL 2021: WHICH IS BETTER FOR ONLINE PAYMENTS? Braintree VS PayPal. Braintree is aimed at higher-volume eCommerce businesses that need a lot of custom control over their payment processes. In contrast, PayPal is designed to be simple and easy to use for merchants with modest eCommerce needs. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. 2021 PPP LOANS: REQUIREMENTS & WHERE TO APPLY FOR ROUND 2 The maximum amount of your PPP loan is 2.5 times your average monthly payroll costs in the fiscal or calendar year prior to the time of your loan application, up to a cap of $2 million (down from $10 million in the previous funding round). However, for hotels and restaurants, the rules are slightly different — your maximum PPP loan amount is HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
5 BANKS THAT ARE CURRENTLY ACCEPTING PPP LOAN APPLICATIONS May 5, 2021: The SBA has stopped accepting PPP applications due to lack of funds. The SBA will continue to fund outstanding applications that have been already approved. Explore your other loan options with our top ten lenders or visit the lending marketplace Lendio to get matched with the best offers for your business. HOW TO FILE A BUSINESS TAX EXTENSION IN 2021 In order to receive an extension, you need to file the proper forms with the IRS by the deadline. Your deadline is determined by your business structure. Individuals (Including Sole Proprietors & Single-Member LLCs): Individuals will need to file their 2020 tax return or file for an extension on or before May 17, 2021. WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. WHAT IS THE EMPLOYEE RETENTION TAX CREDIT & DO YOU QUALIFY? The Employee Retention Credit is a refundable tax credit for employers that was put into law through the CARES Act. This credit is used to offset employment taxes paid by an employer to offer relief due to the coronavirus pandemic. The Employee Retention Credit is an incentive for employers to keep employees on staff. WHAT IS THE SBA COMMUNITY NAVIGATOR PROGRAM? What Is The Community Navigator Program? Though the SBA is currently promoting a community navigator model, they didn’t invent the idea. A community navigator model is a strategy used by traditional organizations to reach customers that are generally overlooked. ARE PPP LOANS & EIDL GRANTS TAXABLE? EVERYTHING YOU NEED Initially, funds from EIDL Advances were to be reported as taxable income. However, this decision was reversed under the Consolidated Appropriations Act. Now, funds from an EIDL Advance are not reported as taxable business income. Additionally, BRAINTREE VS PAYPAL 2021: WHICH IS BETTER FOR ONLINE PAYMENTS? Braintree VS PayPal. Braintree is aimed at higher-volume eCommerce businesses that need a lot of custom control over their payment processes. In contrast, PayPal is designed to be simple and easy to use for merchants with modest eCommerce needs. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT?WHO IS CONSIDERED AN OWNER FOR PPP LOANS?FOR PURPOSES OF THE OWNER COMPENSATION REPLACEMENT CLAUSE, ANYONE WHO FILES A FORM 1040 SCHEDULE C OR SCHEDULE F CAN CLAIM IT. MORE BROADLY SPEAKIN...IS OWNER COMPENSATION REPLACEMENT TAXABLE?ANY AMOUNT FORGIVEN VIA OWNER COMPENSATION REPLACEMENT IS NOT CONSIDERED TAXABLE. YOU CAN EVEN DEDUCT BUSINESS EXPENSES THAT YOU PAY USING THIS MONEY.CAN I GET UNEMPLOYMENT AND PPP AT THE SAME TIME?RECEIVING PPP MAY CONFLICT WITH ANY UNEMPLOYMENT BENEFITS YOU ARE RECEIVING. YOU SHOULD REPORT ANY MONEY YOU RECEIVE THROUGH PPP TO YOUR STATE TO A...WHAT DOCUMENTS ARE NEEDED FOR PPP FORGIVENESS TO GET MY COMPENSATION FORGIVEN?IF YOU’RE A SOLE PROPRIETOR, CHANCES ARE YOU CAN GET AWAY WITH FILING A FORM 3508EZ, WHICH IS THE SHORTER, SIMPLER PPP FORGIVENESS FORM. WHILE YOU...WHAT ARE THE OTHER RULES FROM PPP FORGIVENESS?WHILE THE OWNER COMPENSATION REPLACEMENT RULES ARE PRETTY STRAIGHTFORWARD, THERE ARE QUITE A FEW RULES GOVERNING PPP LOAN FORGIVENESS BROADLY SPEAK... The Owner Compensation Replacement rule allows the self-employed to claim a portion of their PPP funds as personal compensation while still receiving forgiveness for the loan. The PPP typically uses your average monthly payroll expenses (with salaries capped at $100,000) to establish how much money you can borrow. HOW TO FILE A BUSINESS TAX EXTENSION IN 2021 In order to receive an extension, you need to file the proper forms with the IRS by the deadline. Your deadline is determined by your business structure. Individuals (Including Sole Proprietors & Single-Member LLCs): Individuals will need to file their 2020 tax return or file for an extension on or before May 17, 2021. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. CREDIT CARDS FOR NONPROFIT ORGANIZATIONS: TOP PICKS FOR 2021 Brex Card: Best for organizations that need a cash management account. American Express Blue Business Cash: Best for those who need to carry a balance. Chase Ink Business Preferred℠: Best for organizations with frequent travel. Spark® Classic from Capital One®: Best for those with poor or limited credit history. Bio. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. Referred to as the ARP (and sometimes as the ARPA), it comes one year after thepassage of
GUIDE TO KLARNA FOR BUSINESSES: HOW IT WORKS, COST, & MORE All Klarna fees include credit-card processing fees, which could normally cost you between 1.5% and 2.9% of each transaction, depending on your arrangements with your third-party gateway processor. 30 Days To Pay: The vendor pays a $0.30 transaction fee and a variable fee ofup to 5.99%.
A QUICK GUIDE TO TEXAS PAYROLL TAX, LAWS & REGULATIONS Reemployment tax in Texas has a minimum tax rate of 0.31 percent and a maximum rate of 6.31 percent. Employers need to pay Texas UI tax on the first $9,000 that each of their employees makes in a single calendar year. Employers also need to pay reemployment tax EIDL FORGIVENESS: CAN EIDL RELIEF LOANS BE FORGIVEN? The COVID-19 pandemic has riddled the US with both a health crisis and an economic one. Small businesses have been particularly affected — according to the National Federation of Independent Business, 92% of small employers have been negatively impacted by the novel coronavirus. In response to the woes facing the economy, the US government has allocated funds to help support businesses WHAT IS STAMPS.COM & HOW DOES IT WORK? Stamps.com is both a downloadable and cloud-based software that lets you purchase and print postage on any printer. Stamps.com is easy to use, and the web-based version of the software works with any computer. The downloadable software, on the other hand, is only compatible with PCs. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT?WHO IS CONSIDERED AN OWNER FOR PPP LOANS?FOR PURPOSES OF THE OWNER COMPENSATION REPLACEMENT CLAUSE, ANYONE WHO FILES A FORM 1040 SCHEDULE C OR SCHEDULE F CAN CLAIM IT. MORE BROADLY SPEAKIN...IS OWNER COMPENSATION REPLACEMENT TAXABLE?ANY AMOUNT FORGIVEN VIA OWNER COMPENSATION REPLACEMENT IS NOT CONSIDERED TAXABLE. YOU CAN EVEN DEDUCT BUSINESS EXPENSES THAT YOU PAY USING THIS MONEY.CAN I GET UNEMPLOYMENT AND PPP AT THE SAME TIME?RECEIVING PPP MAY CONFLICT WITH ANY UNEMPLOYMENT BENEFITS YOU ARE RECEIVING. YOU SHOULD REPORT ANY MONEY YOU RECEIVE THROUGH PPP TO YOUR STATE TO A...WHAT DOCUMENTS ARE NEEDED FOR PPP FORGIVENESS TO GET MY COMPENSATION FORGIVEN?IF YOU’RE A SOLE PROPRIETOR, CHANCES ARE YOU CAN GET AWAY WITH FILING A FORM 3508EZ, WHICH IS THE SHORTER, SIMPLER PPP FORGIVENESS FORM. WHILE YOU...WHAT ARE THE OTHER RULES FROM PPP FORGIVENESS?WHILE THE OWNER COMPENSATION REPLACEMENT RULES ARE PRETTY STRAIGHTFORWARD, THERE ARE QUITE A FEW RULES GOVERNING PPP LOAN FORGIVENESS BROADLY SPEAK... The Owner Compensation Replacement rule allows the self-employed to claim a portion of their PPP funds as personal compensation while still receiving forgiveness for the loan. The PPP typically uses your average monthly payroll expenses (with salaries capped at $100,000) to establish how much money you can borrow. HOW TO FILE A BUSINESS TAX EXTENSION IN 2021 In order to receive an extension, you need to file the proper forms with the IRS by the deadline. Your deadline is determined by your business structure. Individuals (Including Sole Proprietors & Single-Member LLCs): Individuals will need to file their 2020 tax return or file for an extension on or before May 17, 2021. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. CREDIT CARDS FOR NONPROFIT ORGANIZATIONS: TOP PICKS FOR 2021 Brex Card: Best for organizations that need a cash management account. American Express Blue Business Cash: Best for those who need to carry a balance. Chase Ink Business Preferred℠: Best for organizations with frequent travel. Spark® Classic from Capital One®: Best for those with poor or limited credit history. Bio. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. Referred to as the ARP (and sometimes as the ARPA), it comes one year after thepassage of
GUIDE TO KLARNA FOR BUSINESSES: HOW IT WORKS, COST, & MORE All Klarna fees include credit-card processing fees, which could normally cost you between 1.5% and 2.9% of each transaction, depending on your arrangements with your third-party gateway processor. 30 Days To Pay: The vendor pays a $0.30 transaction fee and a variable fee ofup to 5.99%.
A QUICK GUIDE TO TEXAS PAYROLL TAX, LAWS & REGULATIONS Reemployment tax in Texas has a minimum tax rate of 0.31 percent and a maximum rate of 6.31 percent. Employers need to pay Texas UI tax on the first $9,000 that each of their employees makes in a single calendar year. Employers also need to pay reemployment tax EIDL FORGIVENESS: CAN EIDL RELIEF LOANS BE FORGIVEN? The COVID-19 pandemic has riddled the US with both a health crisis and an economic one. Small businesses have been particularly affected — according to the National Federation of Independent Business, 92% of small employers have been negatively impacted by the novel coronavirus. In response to the woes facing the economy, the US government has allocated funds to help support businesses WHAT IS STAMPS.COM & HOW DOES IT WORK? Stamps.com is both a downloadable and cloud-based software that lets you purchase and print postage on any printer. Stamps.com is easy to use, and the web-based version of the software works with any computer. The downloadable software, on the other hand, is only compatible with PCs. HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
WHAT IS THE SBA SUPPLEMENTAL TARGETED EIDL ADVANCE? Fortunately, the government has allotted funds to continue to support the hardest-hit businesses. One new funding opportunity to consider is the Supplemental Targeted EIDL Advance, which became available on April 22, 2021. In this article, we’ll do a deep dive into what this program is, who qualifies, and how you can apply. CREDIT CARDS FOR NONPROFIT ORGANIZATIONS: TOP PICKS FOR 2021 Charity Charge is an issuer dedicated to helping nonprofits thrive. Besides its nonprofit business credit card, Charity Charge offers a card that automatically donates cash back to a nonprofit of theuser’s choice.
PPP LOANS: 7 LENDERS OFFERING PPP2 LOANS ONLINE Christmas came late this year for small businesses, but hope is finally on the way. The long-awaited second COVID relief bill has finally passed, and wrapped up in this legislation is the gift of $284 billion in forgivable Paycheck Protection Program (PPP) loans for small businesses.These loans are hot commodities for hard-hit businesses during the COVID-19 pandemic, as they have an interest WHAT IS DOCUSIGN & HOW DOES IT WORK? What Is DocuSign? DocuSign has actually been around since 2003, practically an eternity in the tech world. Since that day, they have been helping ensure that twenty-something soon-to-be-dads don’t have to drive all over the world just to sign some papers (is it clear this is a personal anecdote yet?). IT EQUIPMENT & COMPUTER LEASING VS BUYING: PROS & CONS The longer your lease, the more expensive it will be in most cases. Interest: The amount you’ll be charged in excess of the value of the equipment. Rates usually start at around 6% and top out in the high teens, though some may be higher depending on your credit, the lessor,and the type of
ARE PPP LOANS & EIDL GRANTS TAXABLE? EVERYTHING YOU NEED Initially, funds from EIDL Advances were to be reported as taxable income. However, this decision was reversed under the Consolidated Appropriations Act. Now, funds from an EIDL Advance are not reported as taxable business income. Additionally, CBD MERCHANT ACCOUNTS: 4 BEST CBD PAYMENT PROCESSORS 2021 Due to the inherently higher risk associated with CBD products, CBD merchant accounts almost always come with higher prices and more restrictive policies than low-risk accounts. Here’s a brief overview of four of the best merchant account providers in EIDL GRANTS: HOW TO TELL IF YOU’RE IN A LOW INCOME COMMUNITY First, the easy metric. If your community has a poverty rate of 20% or more, it’s a low income community. The other way to qualify as low income is relative to your state (if you’re in a more rural area) or the rest of your metropolitan area. So for rural businesses, if your community’s median family income is 80% or less of the statewide WHAT IS STAMPS.COM & HOW DOES IT WORK? Stamps.com is both a downloadable and cloud-based software that lets you purchase and print postage on any printer. Stamps.com is easy to use, and the web-based version of the software works with any computer. The downloadable software, on the other hand, is only compatible with PCs. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT?WHO IS CONSIDERED AN OWNER FOR PPP LOANS?FOR PURPOSES OF THE OWNER COMPENSATION REPLACEMENT CLAUSE, ANYONE WHO FILES A FORM 1040 SCHEDULE C OR SCHEDULE F CAN CLAIM IT. MORE BROADLY SPEAKIN...IS OWNER COMPENSATION REPLACEMENT TAXABLE?ANY AMOUNT FORGIVEN VIA OWNER COMPENSATION REPLACEMENT IS NOT CONSIDERED TAXABLE. YOU CAN EVEN DEDUCT BUSINESS EXPENSES THAT YOU PAY USING THIS MONEY.CAN I GET UNEMPLOYMENT AND PPP AT THE SAME TIME?RECEIVING PPP MAY CONFLICT WITH ANY UNEMPLOYMENT BENEFITS YOU ARE RECEIVING. YOU SHOULD REPORT ANY MONEY YOU RECEIVE THROUGH PPP TO YOUR STATE TO A...WHAT DOCUMENTS ARE NEEDED FOR PPP FORGIVENESS TO GET MY COMPENSATION FORGIVEN?IF YOU’RE A SOLE PROPRIETOR, CHANCES ARE YOU CAN GET AWAY WITH FILING A FORM 3508EZ, WHICH IS THE SHORTER, SIMPLER PPP FORGIVENESS FORM. WHILE YOU...WHAT ARE THE OTHER RULES FROM PPP FORGIVENESS?WHILE THE OWNER COMPENSATION REPLACEMENT RULES ARE PRETTY STRAIGHTFORWARD, THERE ARE QUITE A FEW RULES GOVERNING PPP LOAN FORGIVENESS BROADLY SPEAK... The Owner Compensation Replacement rule allows the self-employed to claim a portion of their PPP funds as personal compensation while still receiving forgiveness for the loan. The PPP typically uses your average monthly payroll expenses (with salaries capped at $100,000) to establish how much money you can borrow. WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. Referred to as the ARP (and sometimes as the ARPA), it comes one year after thepassage of
CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. GUIDE TO KLARNA FOR BUSINESSES: HOW IT WORKS, COST, & MORE All Klarna fees include credit-card processing fees, which could normally cost you between 1.5% and 2.9% of each transaction, depending on your arrangements with your third-party gateway processor. 30 Days To Pay: The vendor pays a $0.30 transaction fee and a variable fee ofup to 5.99%.
WHAT ARE CREDIT CARD PROCESSING INTERCHANGE FEES IN 2021? If you’re new to the world of credit and debit card processing, you may be wondering what interchange fees are and how they impact the cost of processing transactions and maintaining a merchant account for your business. The truth is that interchange fees (or, more accurately, interchange reimbursement fees) are, in most cases, the single largest expense you’ll have to pay when accepting a EIDL FORGIVENESS: CAN EIDL RELIEF LOANS BE FORGIVEN? The COVID-19 pandemic has riddled the US with both a health crisis and an economic one. Small businesses have been particularly affected — according to the National Federation of Independent Business, 92% of small employers have been negatively impacted by the novel coronavirus. In response to the woes facing the economy, the US government has allocated funds to help support businesses WHAT IS STAMPS.COM & HOW DOES IT WORK? Stamps.com is both a downloadable and cloud-based software that lets you purchase and print postage on any printer. Stamps.com is easy to use, and the web-based version of the software works with any computer. The downloadable software, on the other hand, is only compatible with PCs. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT?WHO IS CONSIDERED AN OWNER FOR PPP LOANS?FOR PURPOSES OF THE OWNER COMPENSATION REPLACEMENT CLAUSE, ANYONE WHO FILES A FORM 1040 SCHEDULE C OR SCHEDULE F CAN CLAIM IT. MORE BROADLY SPEAKIN...IS OWNER COMPENSATION REPLACEMENT TAXABLE?ANY AMOUNT FORGIVEN VIA OWNER COMPENSATION REPLACEMENT IS NOT CONSIDERED TAXABLE. YOU CAN EVEN DEDUCT BUSINESS EXPENSES THAT YOU PAY USING THIS MONEY.CAN I GET UNEMPLOYMENT AND PPP AT THE SAME TIME?RECEIVING PPP MAY CONFLICT WITH ANY UNEMPLOYMENT BENEFITS YOU ARE RECEIVING. YOU SHOULD REPORT ANY MONEY YOU RECEIVE THROUGH PPP TO YOUR STATE TO A...WHAT DOCUMENTS ARE NEEDED FOR PPP FORGIVENESS TO GET MY COMPENSATION FORGIVEN?IF YOU’RE A SOLE PROPRIETOR, CHANCES ARE YOU CAN GET AWAY WITH FILING A FORM 3508EZ, WHICH IS THE SHORTER, SIMPLER PPP FORGIVENESS FORM. WHILE YOU...WHAT ARE THE OTHER RULES FROM PPP FORGIVENESS?WHILE THE OWNER COMPENSATION REPLACEMENT RULES ARE PRETTY STRAIGHTFORWARD, THERE ARE QUITE A FEW RULES GOVERNING PPP LOAN FORGIVENESS BROADLY SPEAK... The Owner Compensation Replacement rule allows the self-employed to claim a portion of their PPP funds as personal compensation while still receiving forgiveness for the loan. The PPP typically uses your average monthly payroll expenses (with salaries capped at $100,000) to establish how much money you can borrow. WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. Referred to as the ARP (and sometimes as the ARPA), it comes one year after thepassage of
CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. GUIDE TO KLARNA FOR BUSINESSES: HOW IT WORKS, COST, & MORE All Klarna fees include credit-card processing fees, which could normally cost you between 1.5% and 2.9% of each transaction, depending on your arrangements with your third-party gateway processor. 30 Days To Pay: The vendor pays a $0.30 transaction fee and a variable fee ofup to 5.99%.
WHAT ARE CREDIT CARD PROCESSING INTERCHANGE FEES IN 2021? If you’re new to the world of credit and debit card processing, you may be wondering what interchange fees are and how they impact the cost of processing transactions and maintaining a merchant account for your business. The truth is that interchange fees (or, more accurately, interchange reimbursement fees) are, in most cases, the single largest expense you’ll have to pay when accepting a EIDL FORGIVENESS: CAN EIDL RELIEF LOANS BE FORGIVEN? The COVID-19 pandemic has riddled the US with both a health crisis and an economic one. Small businesses have been particularly affected — according to the National Federation of Independent Business, 92% of small employers have been negatively impacted by the novel coronavirus. In response to the woes facing the economy, the US government has allocated funds to help support businesses WHAT IS STAMPS.COM & HOW DOES IT WORK? Stamps.com is both a downloadable and cloud-based software that lets you purchase and print postage on any printer. Stamps.com is easy to use, and the web-based version of the software works with any computer. The downloadable software, on the other hand, is only compatible with PCs. HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
WHAT IS THE SBA SUPPLEMENTAL TARGETED EIDL ADVANCE? Fortunately, the government has allotted funds to continue to support the hardest-hit businesses. One new funding opportunity to consider is the Supplemental Targeted EIDL Advance, which became available on April 22, 2021. In this article, we’ll do a deep dive into what this program is, who qualifies, and how you can apply. CREDIT CARDS FOR NONPROFIT ORGANIZATIONS: TOP PICKS FOR 2021 Charity Charge is an issuer dedicated to helping nonprofits thrive. Besides its nonprofit business credit card, Charity Charge offers a card that automatically donates cash back to a nonprofit of theuser’s choice.
WHAT ARE CREDIT CARD PROCESSING INTERCHANGE FEES IN 2021? If you’re new to the world of credit and debit card processing, you may be wondering what interchange fees are and how they impact the cost of processing transactions and maintaining a merchant account for your business. The truth is that interchange fees (or, more accurately, interchange reimbursement fees) are, in most cases, the single largest expense you’ll have to pay when accepting a QUICKBOOKS DESKTOP 2021: NEW FEATURES, PRICING & CHANGES QuickBooks Pro 2021. Your first option is to purchase an annual subscription. QuickBooks Pro Plus 2021 is priced at $299.99/year, although you may qualify for discounts when purchasing directly through Intuit.With this subscription plan, you’ll have full access to QuickBooks Desktop, as well as unlimited customer support, automatic backup and recovery, and automatic updates and patches. PPP LOANS: 7 LENDERS OFFERING PPP2 LOANS ONLINE Christmas came late this year for small businesses, but hope is finally on the way. The long-awaited second COVID relief bill has finally passed, and wrapped up in this legislation is the gift of $284 billion in forgivable Paycheck Protection Program (PPP) loans for small businesses.These loans are hot commodities for hard-hit businesses during the COVID-19 pandemic, as they have an interest HOW TO FILE A BUSINESS TAX EXTENSION IN 2021 In order to receive an extension, you need to file the proper forms with the IRS by the deadline. Your deadline is determined by your business structure. Individuals (Including Sole Proprietors & Single-Member LLCs): Individuals will need to file their 2020 tax return or file for an extension on or before May 17, 2021. IT EQUIPMENT & COMPUTER LEASING VS BUYING: PROS & CONS The longer your lease, the more expensive it will be in most cases. Interest: The amount you’ll be charged in excess of the value of the equipment. Rates usually start at around 6% and top out in the high teens, though some may be higher depending on your credit, the lessor,and the type of
WHAT IS DOCUSIGN & HOW DOES IT WORK? What Is DocuSign? DocuSign has actually been around since 2003, practically an eternity in the tech world. Since that day, they have been helping ensure that twenty-something soon-to-be-dads don’t have to drive all over the world just to sign some papers (is it clear this is a personal anecdote yet?). EIDL GRANTS: HOW TO TELL IF YOU’RE IN A LOW INCOME COMMUNITY First, the easy metric. If your community has a poverty rate of 20% or more, it’s a low income community. The other way to qualify as low income is relative to your state (if you’re in a more rural area) or the rest of your metropolitan area. So for rural businesses, if your community’s median family income is 80% or less of the statewide MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT? Hi Sheri! If gross income was used to calculate your PPP loan, you will also use gross income to calculate Owner Compensation Replacement. As someone that is self-employed with no employees, you can simply calculate 2.5 months’ worth of your 2020 gross income that was reported on line 7 of your Schedule C. WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. PPP LOANS: 7 LENDERS OFFERING PPP2 LOANS ONLINE Christmas came late this year for small businesses, but hope is finally on the way. The long-awaited second COVID relief bill has finally passed, and wrapped up in this legislation is the gift of $284 billion in forgivable Paycheck Protection Program (PPP) loans for small businesses.These loans are hot commodities for hard-hit businesses during the COVID-19 pandemic, as they have an interest PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. IT EQUIPMENT & COMPUTER LEASING VS BUYING: PROS & CONS The longer your lease, the more expensive it will be in most cases. Interest: The amount you’ll be charged in excess of the value of the equipment. Rates usually start at around 6% and top out in the high teens, though some may be higher depending on your credit, the lessor,and the type of
DIVVY CARD: 2021 REVIEW & INFO FOR SMALL BUSINESSES Receive Credits & Discounts For Signing Up. Beyond the base rewards scheme, Divvy has partnered with a slew of companies to give customers credits and discounts for a variety of services. A few of Divvy’s special offers include: Google Ads: $150 8 BEST OPTIONS FOR SQUARE COMPETITORS & ALTERNATIVES IN 2021 Alternatives To Square Online Store. Shopify: Online store for $29/month, or use Shopify Lite and set up a Facebook and Instagram shop for just $9/month. Shopify Payment processing is 2.9% + $0.30 (same as Square’s online rate). You can use a third-party payment gateway, but Shopify adds on a 2% transaction fee. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT? Hi Sheri! If gross income was used to calculate your PPP loan, you will also use gross income to calculate Owner Compensation Replacement. As someone that is self-employed with no employees, you can simply calculate 2.5 months’ worth of your 2020 gross income that was reported on line 7 of your Schedule C. WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. PPP LOANS: 7 LENDERS OFFERING PPP2 LOANS ONLINE Christmas came late this year for small businesses, but hope is finally on the way. The long-awaited second COVID relief bill has finally passed, and wrapped up in this legislation is the gift of $284 billion in forgivable Paycheck Protection Program (PPP) loans for small businesses.These loans are hot commodities for hard-hit businesses during the COVID-19 pandemic, as they have an interest PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. IT EQUIPMENT & COMPUTER LEASING VS BUYING: PROS & CONS The longer your lease, the more expensive it will be in most cases. Interest: The amount you’ll be charged in excess of the value of the equipment. Rates usually start at around 6% and top out in the high teens, though some may be higher depending on your credit, the lessor,and the type of
DIVVY CARD: 2021 REVIEW & INFO FOR SMALL BUSINESSES Receive Credits & Discounts For Signing Up. Beyond the base rewards scheme, Divvy has partnered with a slew of companies to give customers credits and discounts for a variety of services. A few of Divvy’s special offers include: Google Ads: $150 8 BEST OPTIONS FOR SQUARE COMPETITORS & ALTERNATIVES IN 2021 Alternatives To Square Online Store. Shopify: Online store for $29/month, or use Shopify Lite and set up a Facebook and Instagram shop for just $9/month. Shopify Payment processing is 2.9% + $0.30 (same as Square’s online rate). You can use a third-party payment gateway, but Shopify adds on a 2% transaction fee. HOW FRANCHISES WORK: THE COMPLETE GUIDE FOR ENTREPRENEURS This is built into the royalty fees that are paid on an ongoing basis. Your franchisor may provide tech support, customer support, marketing materials, and training. This training and support are based upon the franchise’s proven systems and methods, taking out the guesswork and the added expenses for you. HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. HOW TO MONETIZE A PODCAST: 10 PROVEN METHODS FOR 2021 How To Make Money From Podcasting. While it’s tempting to think that podcasting might be a way for you to make some quick money, the reality is that no podcast monetization strategy will work if you don’t have a listener base.Your first focus needs to be on releasing content that people enjoy — content that inspires people to invite you into their lives. QUICKBOOKS DESKTOP 2021: NEW FEATURES, PRICING & CHANGES QuickBooks Pro 2021. Your first option is to purchase an annual subscription. QuickBooks Pro Plus 2021 is priced at $299.99/year, although you may qualify for discounts when purchasing directly through Intuit.With this subscription plan, you’ll have full access to QuickBooks Desktop, as well as unlimited customer support, automatic backup and recovery, and automatic updates and patches. THE 4 BEST FREE CREDIT CARD READERS The Bluetooth reader that comes free with your account is the QuickBooks Chip and Magstripe Card Reader, which retails for $19. Keep in mind that this solution isn’t meant for a countertop setup. You won’t have a receipt printer or cash drawer support like you would with Square or PayPal. EIDL GRANTS: HOW TO TELL IF YOU’RE IN A LOW INCOME COMMUNITY First, the easy metric. If your community has a poverty rate of 20% or more, it’s a low income community. The other way to qualify as low income is relative to your state (if you’re in a more rural area) or the rest of your metropolitan area. So for rural businesses, if your community’s median family income is 80% or less of the statewide 8 BEST OPTIONS FOR SQUARE COMPETITORS & ALTERNATIVES IN 2021 Alternatives To Square Online Store. Shopify: Online store for $29/month, or use Shopify Lite and set up a Facebook and Instagram shop for just $9/month. Shopify Payment processing is 2.9% + $0.30 (same as Square’s online rate). You can use a third-party payment gateway, but Shopify adds on a 2% transaction fee. HOME DEPOT VS LOWE’S CREDIT CARDS: 2021 COMPARISON For the second option, you can nab special financing on purchases at Lowe’s that are above $2,000. Its rates and time frames are as follows: 36 fixed monthly payments at 3.99% APR. 60 fixed monthly payments at 5.99% APR. 84 fixed monthly payments at 7.99% APR. Other cards may offer better standard interest rates. WWW.MERCHANTMAVERICK.COM Apache/2.4.29 (Ubuntu) Server at www.merchantmaverick.com Port 443 MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT? Hi Sheri! If gross income was used to calculate your PPP loan, you will also use gross income to calculate Owner Compensation Replacement. As someone that is self-employed with no employees, you can simply calculate 2.5 months’ worth of your 2020 gross income that was reported on line 7 of your Schedule C. WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. PPP LOANS: 7 LENDERS OFFERING PPP2 LOANS ONLINE Christmas came late this year for small businesses, but hope is finally on the way. The long-awaited second COVID relief bill has finally passed, and wrapped up in this legislation is the gift of $284 billion in forgivable Paycheck Protection Program (PPP) loans for small businesses.These loans are hot commodities for hard-hit businesses during the COVID-19 pandemic, as they have an interest PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. IT EQUIPMENT & COMPUTER LEASING VS BUYING: PROS & CONS The longer your lease, the more expensive it will be in most cases. Interest: The amount you’ll be charged in excess of the value of the equipment. Rates usually start at around 6% and top out in the high teens, though some may be higher depending on your credit, the lessor,and the type of
DIVVY CARD: 2021 REVIEW & INFO FOR SMALL BUSINESSES Receive Credits & Discounts For Signing Up. Beyond the base rewards scheme, Divvy has partnered with a slew of companies to give customers credits and discounts for a variety of services. A few of Divvy’s special offers include: Google Ads: $150 8 BEST OPTIONS FOR SQUARE COMPETITORS & ALTERNATIVES IN 2021 Alternatives To Square Online Store. Shopify: Online store for $29/month, or use Shopify Lite and set up a Facebook and Instagram shop for just $9/month. Shopify Payment processing is 2.9% + $0.30 (same as Square’s online rate). You can use a third-party payment gateway, but Shopify adds on a 2% transaction fee. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. PPP LOANS: WHAT IS OWNER COMPENSATION REPLACEMENT? Hi Sheri! If gross income was used to calculate your PPP loan, you will also use gross income to calculate Owner Compensation Replacement. As someone that is self-employed with no employees, you can simply calculate 2.5 months’ worth of your 2020 gross income that was reported on line 7 of your Schedule C. WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. PPP LOANS: 7 LENDERS OFFERING PPP2 LOANS ONLINE Christmas came late this year for small businesses, but hope is finally on the way. The long-awaited second COVID relief bill has finally passed, and wrapped up in this legislation is the gift of $284 billion in forgivable Paycheck Protection Program (PPP) loans for small businesses.These loans are hot commodities for hard-hit businesses during the COVID-19 pandemic, as they have an interest PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. IT EQUIPMENT & COMPUTER LEASING VS BUYING: PROS & CONS The longer your lease, the more expensive it will be in most cases. Interest: The amount you’ll be charged in excess of the value of the equipment. Rates usually start at around 6% and top out in the high teens, though some may be higher depending on your credit, the lessor,and the type of
DIVVY CARD: 2021 REVIEW & INFO FOR SMALL BUSINESSES Receive Credits & Discounts For Signing Up. Beyond the base rewards scheme, Divvy has partnered with a slew of companies to give customers credits and discounts for a variety of services. A few of Divvy’s special offers include: Google Ads: $150 8 BEST OPTIONS FOR SQUARE COMPETITORS & ALTERNATIVES IN 2021 Alternatives To Square Online Store. Shopify: Online store for $29/month, or use Shopify Lite and set up a Facebook and Instagram shop for just $9/month. Shopify Payment processing is 2.9% + $0.30 (same as Square’s online rate). You can use a third-party payment gateway, but Shopify adds on a 2% transaction fee. HOW FRANCHISES WORK: THE COMPLETE GUIDE FOR ENTREPRENEURS This is built into the royalty fees that are paid on an ongoing basis. Your franchisor may provide tech support, customer support, marketing materials, and training. This training and support are based upon the franchise’s proven systems and methods, taking out the guesswork and the added expenses for you. HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. HOW TO MONETIZE A PODCAST: 10 PROVEN METHODS FOR 2021 How To Make Money From Podcasting. While it’s tempting to think that podcasting might be a way for you to make some quick money, the reality is that no podcast monetization strategy will work if you don’t have a listener base.Your first focus needs to be on releasing content that people enjoy — content that inspires people to invite you into their lives. QUICKBOOKS DESKTOP 2021: NEW FEATURES, PRICING & CHANGES QuickBooks Pro 2021. Your first option is to purchase an annual subscription. QuickBooks Pro Plus 2021 is priced at $299.99/year, although you may qualify for discounts when purchasing directly through Intuit.With this subscription plan, you’ll have full access to QuickBooks Desktop, as well as unlimited customer support, automatic backup and recovery, and automatic updates and patches. THE 4 BEST FREE CREDIT CARD READERS The Bluetooth reader that comes free with your account is the QuickBooks Chip and Magstripe Card Reader, which retails for $19. Keep in mind that this solution isn’t meant for a countertop setup. You won’t have a receipt printer or cash drawer support like you would with Square or PayPal. EIDL GRANTS: HOW TO TELL IF YOU’RE IN A LOW INCOME COMMUNITY First, the easy metric. If your community has a poverty rate of 20% or more, it’s a low income community. The other way to qualify as low income is relative to your state (if you’re in a more rural area) or the rest of your metropolitan area. So for rural businesses, if your community’s median family income is 80% or less of the statewide 8 BEST OPTIONS FOR SQUARE COMPETITORS & ALTERNATIVES IN 2021 Alternatives To Square Online Store. Shopify: Online store for $29/month, or use Shopify Lite and set up a Facebook and Instagram shop for just $9/month. Shopify Payment processing is 2.9% + $0.30 (same as Square’s online rate). You can use a third-party payment gateway, but Shopify adds on a 2% transaction fee. HOME DEPOT VS LOWE’S CREDIT CARDS: 2021 COMPARISON For the second option, you can nab special financing on purchases at Lowe’s that are above $2,000. Its rates and time frames are as follows: 36 fixed monthly payments at 3.99% APR. 60 fixed monthly payments at 5.99% APR. 84 fixed monthly payments at 7.99% APR. Other cards may offer better standard interest rates. WWW.MERCHANTMAVERICK.COM Apache/2.4.29 (Ubuntu) Server at www.merchantmaverick.com Port 443 MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. Referred to as the ARP (and sometimes as the ARPA), it comes one year after thepassage of
PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. PPP LOAN RULES FOR RESTAURANTS: GUIDE TO PPP ROUND 2 Borrower requirements for both first and second draw PPP loans are the same for restaurants as any other qualified industry. To qualify for a first draw PPP loan in 2021, you must: Have been in business prior to February 15, 2020. Have fewer than 500 employees. Have a ARE YOU PAYING A CREDIT CARD REFUND FEE? Another top-rated processor at Merchant Maverick, National Processing, has opted for a different approach: When a merchant issues a refund to a customer, the company refunds the fees but will also charge a $0.05 transaction fee. So you can see that there are many ways to go about handling the process of refunds and deciding whether to refund EIDL FORGIVENESS: CAN EIDL RELIEF LOANS BE FORGIVEN? The COVID-19 pandemic has riddled the US with both a health crisis and an economic one. Small businesses have been particularly affected — according to the National Federation of Independent Business, 92% of small employers have been negatively impacted by the novel coronavirus. In response to the woes facing the economy, the US government has allocated funds to help support businesses HOW MUCH DOES PAYPAL CHARGE? A 5% transaction fee, with a minimum payment of $0.99 or a maximum of $4.99, and. A funding fee, but only if you’re funding the transaction with a debit card, a credit card, or PayPal Credit (the funding fee is the same as if you’re selling through PayPal) For the details, see the current PayPal charges for regular accounts. MERCHANT ACCOUNT, CREDIT CARD PROCESSING, LOANS Merchant Maverick makes small business easy. Find the best merchant account providers, credit card processors, loans, accounting and point-of-sale software & more. HOW TO RETURN PPP FUNDS & WHEN IT’S THE RIGHT CHOICE If you did have to cut wages, you have until June 30, 2020, to restore the salaries. It was expected that 75% of the loan’s value would cover payroll costs, including benefits. Mortgage Interest: Of the remaining 25%, funds may be spent on obligations incurred beforeFebruary 15, 2020.
WHAT CAN EIDL LOANS BE USED FOR? The EIDL is a low-interest, long-term loan for small business owners that have been impacted by COVID. These loans offer low, fixed rates and repayment terms up to 30 years. Businesses with fewer than 500 employees, certain nonprofits, and agricultural businesses can apply and be approved if they meet all criteria set by the SBA. CAN YOU APPLY FOR AN EIDL LOAN TWICE? The SBA Has Raised The Loan Limit For The EIDL Program. The SBA recently announced the following expansion of the EIDL program:. Starting the week of April 6, 2021, the SBA is raising the loan limit for the COVID-19 EIDL program from 6-months of economic injury with a maximum loan amount of $150,000 to up to 24-months of economic injury with a maximum loan amount of $500,000. AMERICAN RESCUE PLAN ACT OF 2021: SMALL BUSINESS PROVISIONS The economic stimulus bill known as the American Rescue Plan Act of 2021, signed into law by President Biden on March 11, 2021, is designed to facilitate the country’s recovery from the devastating economic and health effects of the COVID-19 pandemic. Referred to as the ARP (and sometimes as the ARPA), it comes one year after thepassage of
PPP FORGIVENESS: GUIDE TO ELIGIBLE EXPENSES & FORGIVENESS You must use at least 60% of your loan to cover payroll costs to qualify for forgiveness. The remaining 40% can be used on mortgage interest, utilities, rent, and other expenses that we’ll detail in this article. If you don’t meet this 60% threshold, you may still be eligible for partial forgiveness. PPP LOAN RULES FOR RESTAURANTS: GUIDE TO PPP ROUND 2 Borrower requirements for both first and second draw PPP loans are the same for restaurants as any other qualified industry. To qualify for a first draw PPP loan in 2021, you must: Have been in business prior to February 15, 2020. Have fewer than 500 employees. Have a ARE YOU PAYING A CREDIT CARD REFUND FEE? Another top-rated processor at Merchant Maverick, National Processing, has opted for a different approach: When a merchant issues a refund to a customer, the company refunds the fees but will also charge a $0.05 transaction fee. So you can see that there are many ways to go about handling the process of refunds and deciding whether to refund EIDL FORGIVENESS: CAN EIDL RELIEF LOANS BE FORGIVEN? The COVID-19 pandemic has riddled the US with both a health crisis and an economic one. Small businesses have been particularly affected — according to the National Federation of Independent Business, 92% of small employers have been negatively impacted by the novel coronavirus. In response to the woes facing the economy, the US government has allocated funds to help support businesses HOW MUCH DOES PAYPAL CHARGE? A 5% transaction fee, with a minimum payment of $0.99 or a maximum of $4.99, and. A funding fee, but only if you’re funding the transaction with a debit card, a credit card, or PayPal Credit (the funding fee is the same as if you’re selling through PayPal) For the details, see the current PayPal charges for regular accounts. BEST POS SOFTWARE REVIEWS 2021 User-friendliness. Smaller upfront investment. Scalability as your business grows. Included customer service and technical support (which is often free and available 24/7) Automatic updates and bug fixes. Offsite (cloud) data storage. Really, the only potential issue withSaaS technology is
MERCHANT MAVERICK OPPORTUNITY GRANTS This year, the Merchant Maverick Opportunity Grants Program will be open to businesses owned by Black women, both cisgender and transgender, and Black individuals who are femme-identified. As our latest data study, The 10 Best States for Black Female Business Owners, highlights in detail, we still have a tremendous amount ofsystemic racism and
CREDIT CARD SURCHARGE GUIDE FOR MERCHANTS: 2021 LAWS & RULES What Is A Credit Card Surcharge? Surcharging is the practice of adding on a small fee to a credit card transaction to cover the merchant’s costs for processing the payment. Instead of the merchant having to absorb this expense, the customer who chooses to pay by credit card pays for the processing costs that do not apply to other paymentmethods.
PPP LOAN RULES FOR RESTAURANTS: GUIDE TO PPP ROUND 2 Borrower requirements for both first and second draw PPP loans are the same for restaurants as any other qualified industry. To qualify for a first draw PPP loan in 2021, you must: Have been in business prior to February 15, 2020. Have fewer than 500 employees. Have a GUIDE TO KLARNA FOR BUSINESSES: HOW IT WORKS, COST, & MORE All Klarna fees include credit-card processing fees, which could normally cost you between 1.5% and 2.9% of each transaction, depending on your arrangements with your third-party gateway processor. 30 Days To Pay: The vendor pays a $0.30 transaction fee and a variable fee ofup to 5.99%.
PPP LOANS: 7 LENDERS OFFERING PPP2 LOANS ONLINE Christmas came late this year for small businesses, but hope is finally on the way. The long-awaited second COVID relief bill has finally passed, and wrapped up in this legislation is the gift of $284 billion in forgivable Paycheck Protection Program (PPP) loans for small businesses.These loans are hot commodities for hard-hit businesses during the COVID-19 pandemic, as they have an interest IT EQUIPMENT & COMPUTER LEASING VS BUYING: PROS & CONS The longer your lease, the more expensive it will be in most cases. Interest: The amount you’ll be charged in excess of the value of the equipment. Rates usually start at around 6% and top out in the high teens, though some may be higher depending on your credit, the lessor,and the type of
EIDL LOAN APPROVAL & PROCESSING TIME: WHAT TO EXPECT The Economic Injury Disaster Loan program through the SBA is a long-standing program intended to help businesses hurt by tornados or wildfires. After the national disaster was declared in March 2020, funds became available to help small businesses impacted by thepandemic.
CONSIDERING A SQUARE MERCHANT ACCOUNT? READ THIS FIRST Way back in 2009, a novel company called Square introduced the world to pay-as-you-go processing, using only a smartphone and a card reader plugged into the audio jack. In doing so, Square changed the payments game. Before that, most retailers, restaurants, and other businesses had to open traditional merchant accounts. WWW.MERCHANTMAVERICK.COM Apache/2.4.29 (Ubuntu) Server at www.merchantmaverick.com Port 443 __ Subscribe 📬 __MENUMENU
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