Line 3: Rent or lease payments | $10,000. Below that, there is a loan payment schedule, showing each payment date and payment details. Please contact Cray Kaiser for most recent information. Our team members are being encouraged to work remotely. PPP Loan Forgiveness Calculator – SBA Lending. 's Paycheck Protection Program Loan Forgiveness Tool. We recommend all borrowers consult with their bank, legal, financial, and business advisors regarding interpretation and implementation of the loan forgiveness program. There are 3 main sections on this page: 1. Providing 12 to 16 weeks is the most plausible adjustment, which would dramatically reduce the stress level for many small business entrepreneurs with PPP loans. How to Use the Loan Payment Schedule: How to enter loan information, see the payment schedule, and … PPP LOAN FORGIVENESS APPLICATION AND THE ONGOING QUEST FOR CLARITY May 18, 2020. PPP forgiveness calculator – Long form 3580, PPP forgiveness calculator – Short form 3580EZ, List of top recipients of PPP loans (through end of June). We wish you, your family, and your business health and safety. Should any questions arise as you complete these calculations with the PPP loan forgiveness templates, please contact Cray Kaiser at 630-953-4900. The excel spreadsheet was built to help businesses manage through the SBA’s Paycheck Protection Program (PPP). PRICING. American Institute of CPAs Creates Forgiveness Calculator for PPP Loans. 53 West Jackson Street, Suite 828 All staff are equipped with the appropriate technology and resources to continue to securely and confidentially serve you from home. Use this calculator to accumulate and determine FTEs as defined for the PPP loan forgiveness process. ]PPP forgiveness calculator – Long form 3580 (revised on 6/17/20 and again on 6/19/19 to correct formula error) – Excel. Creation of 3508EZ form (previously there was just one form), Applied for PPP loan as self-employed, independent contractor, or sole proprietor with no employees, No more than 25% reduction in salary or wages for any employee, with no reduction in number of hours of their employees (Laid-off employees who refused an offer to return are considered exempt), No more than 25% reduction in salary or wages during the covered period and experienced reductions in business activity as a result of COVID-19 health directives. DOWNLOAD THE PPP LOAN FORGIVENESS TEMPLATES Last week, the Treasury issued an FAQ to provide a recovery period to public companies that took PPP loans when they had adequate resources. HOME. The certification documentation provided in the worksheets above allows you to document how and why the PPP loan funds were considered necessary for your company. We also use third-party cookies that help us analyze and understand how you use this website. We are speculating the most plausible modifications to the forgiveness program will be: * Allowing forgivable non-payroll expenses above 25%. Google Tag Manager Dec 25, 12:03 AM EST The row with the latest payment is highlighted, so it's easy to see where you are in the schedule. We have updated the PPP Loan Forgiveness calculator. The 25% limitation was not written into the CARES Act. 0. We believe that without changes many borrowers will owe between 10% – 30% of their SBA loan amount after the 8-week post-loan period due to: 1) Lack of demand – Many businesses will not see robust demand for their products or services while coronavirus rages and will be reluctant to rehire laid off workers especially those which can’t operate at full capacity due to governmental restrictions. We believe there will be flexibility provided here for businesses that can’t operate at full capacity due to government mandates (e.g., eight weeks may start the first week in which a business isn’t restricted in terms of customer capacity). Effective immediately: We want to remind our clients of our portal access and your ability to safely and securely share your information with our team. LET'S START. These are certainly trying times and we want to reiterate that Cray Kaiser is here for you. The new 24-week limit and other changes to PPP Loans means changes in calculating payroll costs, and thus the amount of loan forgiveness. All paper files, tax returns etc. The PPP Forgiveness Application Calculator ("Calculator") has been developed by GrowthLab Financial Services, Inc. ("GrowthLab"). CLICK HERE. The PPP (Paycheck Protection Program) Loan Forgiveness Payroll Worksheet is available from the Accounting CS Library. Download the PPP Forgiveness Calculator Clinic Recording: Managing your PPP Loan and Forgiveness (Zoom Recording) Updated Monday 6/29 9:15 am ET Forgiveness Application Simulator & Estimator BETA (Excel) Updated Monday 8/17 3 pm ET Note: This estimator is a work in progress. PPP Loan Forgiveness Supporting Calculation & Documentation. Post & Schell, P.C. 2) Lack of supply – Many businesses will have difficulty rehiring due to robust unemployment compensation that in many cases is more than their pre-coronavirus wages. To aid you in this process, we’ve prepared a few Excel workbooks which you can download by clicking the link below. 0. This website uses cookies to improve your experience while you navigate through the website. Fax: (630) 953-4905, Chicago This category only includes cookies that ensures basic functionalities and security features of the website. The output of the Calculator is based solely on information you provide. We can take this off of your plate and help you maximize your loan forgiveness — just fill out the form below to get started. It is mandatory to procure user consent prior to running these cookies on your website. Please note that this blog is based on laws effective on May 2, 2020 and may not contain later amendments. Note: We are not part of or affiliated with the Small Business Administration or U.S. Government. PPP Loan Forgiveness Calculator Last updated June 8, 2020 . Our previous comments on PPP loan forgiveness back in May 2020 for those interested: One overlooked aspect of the PPP is the calculation of debt forgiveness. The American Institute of CPAs (AICPA) has created a loan forgiveness calculator (excel spreadsheet download) for the Paycheck Protection Program (PPP) to help resolve outstanding issues with the process. 3. CALCULATING, PLANNING AND DOCUMENTING LOAN FORGIVENESS UNDER THE PPP ... open a separate deposit account solely for the PPP funds and draw on it as needed and as accounted for in the workbook calculation template above. when will email you: Please enable JavaScript in your browser to complete this form.Name *FirstLastEmail *Enroll to be notified when SbaLenders.com has an online PPP enrollment option available.CommentSubmit. Each workbook contains instructions, the loan forgiveness calculator, determination of your FTE (full time equivalent), actual tracking of costs template, a certification template and two examples so you can “see the math” in action. There has been a lot of narrative around the computations of the loan forgiveness (including our own) and now it’s time to put those numbers to work! But opting out of some of these cookies may affect your browsing experience. On June 5, 2020 the Paycheck Protection Program Flexibility Act of 2020 was signed into law that will, among other things, extend the time period allowed for businesses to spend PPP loan proceeds and ease restrictions on eligible forgivable expenses. Loan forgiveness caps at $100,000 per year, per employee—and any wages paid to employees above that rate is ineligible for loan forgiveness. Created with Sketch. Use the PPP Loan Forgiveness Application (SBA Form 3508) if you cannot use the PPP EZ Form. Oak Brook Great for both short-term and long-term loans, the loan repayment calculator in Excel can be a good … The SBA recently released the PPP loan forgiveness application.. We've created a free spreadsheet to help you walk through the application process. PPP Loan Forgiveness Calculation Form. Instead, we will be utilizing phone calls and/or email to communicate with our clients. This will eliminate the need for you to drop off your tax information at our office. Companies should contact their financial or legal advisors or the Small Business Administration for more information regarding eligibility. Chicago, IL 60604 Thank you for visiting our PPP Loan Forgiveness Calculator! Fax: (630) 953-4905. To receive important updates (when passed by Congress, when signed up the President, etc.) 3) The math – The calculation of the maximum SBA loan amount is based on 2.5x months of payroll costs (~76 days), whereas the loan forgiveness calculation is based on eight weeks (56 days). The attached template should help – it is intended as a planning tool. They’ll need to verify the number of employees on the payroll and their pay rates during the loan forgiveness covered period after their loan was disbursed. We aren’t part of the SBA and clearly aren’t PPP experts, but we hope you will find our calculator educational and informative. Disclaimer regarding use of the PPP EZ form phone calls and/or email to communicate with our.! 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Craykaiser.Com to request your portal access.. we 've created a free spreadsheet to help walk... Pdf, which includes calculations and information from other, relevant application.! Built to help with your consent above 25 % patience and understanding during this challenging.... Line 2: Mortgage interest payments | $ 2,000 use this website uses cookies improve! Limit and other changes to ppp loan forgiveness calculator excel template Loans means changes in the event you are asked line 3: or... With our clients ( 5/22/20 – 6/17/20 ) – Excel the loan application! Part of or affiliated with the Small Business Administration for more information regarding eligibility ( COVID-19 ): Relief and... Independent professional service firms you at a later date 11/23 1 pm ET provided to assist all! Important disclaimer regarding use of the PPP ( Paycheck Protection Program forgiveness template ( Excel.! At on the loan forgiveness application calculator ( `` GrowthLab '' ) correct. 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Sistemimiz aracılığı ile bize ulaştırmış olduğunuz kişisel bilgileriniz (Adınız, Adresiniz, Telefon Numaranız, Email adresiniz) ticari amaçlı ya da farklı bir sebepten ötürü asla 3. kişilerle paylaşılmaz. Tüm kişisel bilgileriniz ve sipariş içeriğiniz firmamızın güvencesi altındadır. Bizimle paylaştığınız tüm bilgileriniz siparişinizi tamamlayabilmek ve sorunsuz bir şekilde tarafınıza teslimatını sağlayabilmek amacı ile kayıt altına alınmakta ve 5 iş günü sonunda tarafımızca imha edilmektedir.
MESAFELİ SATIŞ VE GİZLİLİK SÖZLEŞMESİ
MESAFELİ SATIŞ SÖZLEŞMESİ
MADDE 1-1 - SATICI
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Ünvanı |
: www.drkrem.net |
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Telefonu |
: 0216 337 76 00 |
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Tarih |
: ….. .2014 |
MADDE 1-2 - ALICI
Alıcı :
Teslimat Adresi :
MADDE 2 - KONU
İşbu sözleşmenin konusu, ALICI nın (www.drkrem.net) internet mağazasından siparişini yaptığı yukarıda nitelikleri ve satış fiyatı belirtilen ürünlerin satışı ve teslimi ile ilgili olarak 4077 sayılı Tüketicilerin Korunması Hakkındaki Kanun ve Mesafeli Sözleşmeleri Uygulama Esas ve Usulleri Hakkında Yönetmelik hükümleri gereğince tarafların hak ve yükümlülüklerinin saptanmasıdır.
MADDE 3 - SÖZLEŞME KONUSU ÜRÜNLER
Ürünlerin Cinsi ve türü, Miktarı, Marka/Modeli, Rengi, Satış Bedeli yukarıda belirtildiği gibidir. Ürün özellikleri hakkında daha detaylı bilgiyi, üzerine tıklayarak alabilirsiniz.
MADDE 4 - GENEL HÜKÜMLER
4.1- ALICI, www.drkrem.net internet mağazasında sözleşme konusu ürünün temel nitelikleri, satış fiyatı ve ödeme şekli ile teslimata ilişkin ön bilgileri okuyup bilgi sahibi olduğunu ve elektronik ortamda gerekli teyidi verdiğini kabul ve beyan eder.
4.2- Sözleşme konusu ürün, yasal 30 günlük süreyi aşmamak koşulu ile internet mağazasında ön bilgiler içinde açıklanan süre içinde ALICI nın belirttiği adrese sevkedilir.
4.3- Sözleşme konusu ürün, ALICI dan başka bir kişi/kuruluşa teslim edilecek ise, teslim edilecek kişi/kuruluşun teslimatı kabul etmemesininden SATICI sorumlu tutulamaz.
4.4- SATICI, sözleşme konusu ürünün sağlam, eksiksiz, siparişte belirtilen niteliklere uygun ve varsa garanti belgeleri ve kullanım kılavuzları ile teslim edilmesinden sorumludur.
4.5- Sözleşme konusu ürünün teslimatı için ürün bedelinin ALICI nın tercih ettiği ödeme şekli ile ödenmiş olması şarttır. Herhangi bir nedenle ürün bedeli ödenmez veya banka kayıtlarında iptal edilir ise, SATICI ürünün teslimi yükümlülüğünden kurtulmuş kabul edilir.
4.6- Ürünün tesliminden sonra ALICI ya ait kredi kartının ALICI nın kusurundan kaynaklanmayan bir şekilde yetkisiz kişilerce haksız veya hukuka aykırı olarak kullanılması nedeni ile ilgili banka veya finans kuruluşun ürün bedelini SATICI ya ödememesi halinde, ALICI nın kendisine teslim edilmiş olması kaydıyla ürünün 3 gün içinde SATICI ya gönderilmesi zorunludur. Bu takdirde nakliye giderleri ALICI ya aittir.
4.7- SATICI mücbir sebepler veya sevkiyatı engelleyen hava muhalefeti, ulaşımın kesilmesi gibi olağanüstü durumlar nedeni ile sözleşme konusu ürünü süresi içinde teslim edemez ise, durumu ALICI ya bildirmekle yükümlüdür. Bu takdirde ALICI siparişin iptal edilmesini, sözleşme konusu ürünün varsa emsali ile değiştirilmesini, ve/veya teslimat süresinin engelleyici durumun ortadan kalkmasına kadar ertelenmesi haklarından birini kullanabilir. ALICI nın siparişi iptal etmesi halinde ödediği tutar 10 gün içinde kendisine nakten ve defaten ödenir.
4.8- Garanti belgesi ile satılan ürünlerden olan veya olmayan ürünlerin arızalı veya bozuk olanlar, garanti şartları içinde gerekli onarımın yapılması için SATICI ya gönderilebilir, bu takdirde kargo giderleri ALICI tarafından karşılanacaktır.
4.9- ALICI tarafından belirtilen teslimat adresinin geçici veya anonim bir mekan (örneğin posta kutusu, kargo ofisi, postane gibi) olması durumunda, SATICI, ALICI dan adres düzeltmesi talep eder, adres düzeltmesi yapılmaması durumunda, SATICI, sözleşmeye iptal etmek ve tahsil edilen ücreti iade etmek hakkını saklı tutar.
MADDE 5 - CAYMA HAKKI
ALICI, sözleşme konusu ürürünün kendisine veya gösterdiği adresteki kişi/kuruluşa tesliminden itibaren 7 gün içinde cayma hakkına sahiptir. Cayma hakkının kullanılması için bu süre içinde SATICI ya faks, email veya telefon ile bildirimde bulunulması ve ürünün 6. madde hükümleri çercevesinde kullanılmamış olması şarttır. Bu hakkın kullanılması halinde, 3. kişiye veya ALICI ya teslim edilen ürünün SATICI ya gönderildiğine ilişkin kargo teslim tutanağı örneği ile tüm fatura asıl nüshalarının iadesi zorunludur. Bu belgelerin ulaşmasını takip eden 7 gün içinde ürün bedeli ALICI ya iade edilir. Cayma hakkı nedeni ile iade edilen ürünün kargo bedeli ALICI tarafından karşılanır.
MADDE 6 - CAYMA HAKKI KULLANILAMAYACAK ÜRÜNLER
Niteliği itibarıyla iade edilemeyecek ürünler, tek kullanımlık ürünler, kopyalanabilir yazılım ve programlar, hızlı bozulan veya son kullanım tarihi geçen ürünler için cayma hakkı kullanılamaz. Aşağıdaki ürünlerde cayma hakkının kullanılması, ürünün ambalajının açılmamış, bozulmamış ve ürünün kullanılmamış olması şartına bağlıdır.
MADDE 7 - YETKİLİ MAHKEME
İşbu sözleşmenin uygulanmasında, Sanayi ve Ticaret Bakanlığınca ilan edilen değere kadar Tüketici Hakem Heyetleri ile ALICI nın veya SATICI nın yerleşim yerindeki Tüketici Mahkemeleri yetkilidir. Siparişin gerçekleşmesi durumunda ALICI işbu sözleşmenin tüm koşullarını kabul etmiş sayılır.
MADDE 8 - TALEP VE ŞİKAYETLER
ALICI, talep ve şikayetlerini internet mağazasında belirtilen telefonla yapabilir.
ALICI, işbu sözleşmeyi okuyup bilgi sahibi olduğunu ve elektronik ortamda gerekli teyidi verdiğini kabul ve beyan eder.
GİZLİLİK SÖZLEŞMESİ
1- …..(ürün adı)….., kullanıcıların www.drkrem.net sitesi üzerinden ilettikleri kişisel bilgilerini, Gizlilik Politikası ile belirlenen amaçlar ve kapsam dışında, üçüncü kişilere açıklamayacaktır.
Kişisel bilgiler, ad soyadı, adresi, telefon numarası, e-posta adresi gibi kullanıcıyı tanımlamaya yönelik her türlü diğer bilgiyi içermekte olup kısaca Gizli Bilgiler olarak anılacaktır.
2- Firmamız İşbu Gizlilik Politikası ve Kullanıcı Sözleşmesinde tanımlı olan haller haricinde kişisel bilgileri herhangi bir şirket veya üçüncü kişilere açıklamayacaktır. Firmamız, kişisel bilgileri kendi bünyesinde, müşteri profili belirlemek ve istatistiksel çalışmalar yapmak amacıyla kullanabilecektir.
3- Firmamız, kişisel bilgileri kesinlikle özel ve gizli tutmayı, bunu bir sır saklama yükümlülüğü olarak addetmeyi, gizliliğin sağlanması ve sürdürülmesi, gizli bilginin tamamının veya herhangi bir kısmının kamu alanına girmesini veya yetkisiz kullanımını veya üçüncü bir kişiye ifşasını önlemek için gerekli tedbirleri almayı ve gerekli özeni göstermeyi taahhüt etmektedir. Firmamızın gerekli bilgi güvenliği önlemlerini almasına karşın, sitemize ve sisteme yapılan saldırılar sonucunda gizli bilgilerin zarar görmesi veya üçüncü kişilerin eline geçmesi durumunda, firmamızın herhangi bir sorumluluğu olmayacaktır.
4- Firmamız, kullanıcılara ve kullanıcıların sitemizin kullanımına dair bilgileri, teknik bir iletişim dosyasını (Kurabiye-Cookie) kullanarak elde edebilir. Ancak, kullanıcılar dilerlerse teknik iletişim dosyasının gelmemesi veya teknik iletişim dosyası gönderildiğinde ikaz verilmesini sağlayacak biçimde tarayıcı ayarlarını değiştirebilirler.