pua and eidl grantpua and eidl grant

Main Street Loan FED: MSNLF Loan, MSPLF Loan, MSELF Loan, EIDL Loans of $200K Go to Vermont, New Hampshire: EXCLUSIVE, Second Stimulus Check Heroes Act 1200 Check, $6000 Per Household. Other Loan Forgiveness While this payment is technically an advance, it explicitly does not need to be repaid; even if the applicant is denied for their loan or chooses not to accept the full loan offer, the advance will be considered a grant. He claimed those home office expenses in 2019, so he can claim the expenses over the PPPs eight-week period as well. Transportation costs will also be eligible for forgiveness. Calling All Community Banks: CDFI Fund Opens Applications for FY 2023 USCIS Removes Form I-693 Signature Requirement, Simplifying the Green Healthcare Preview for The Week Of: April 17, 2023. Your 2019 1040 Schedule C (even if you havent filed it with the IRS yet), A 2019 1099-MISC, invoice, bank statement, or book of record that shows you were self-employed in 2019, A 2020 invoice, bank statement, or book of record establishing that you were in operation on or around February 15, 2020. This will help us process your request faster. The PPP loan forgiveness application will work differently for the self-employed that are not running payroll. You just cant use the funds for the same purpose (in other words, you cant use the EIDL to pay yourselfyou need to use it for your business operations). EIDLs provide small businesses with up to $2 million in working capital to offset losses caused by the COVID-19 crisis. As of December 20, a second stimulus package was formed that includes additional funding for the EIDL, PPP, and PUA. FCC NPRM Comments Due in less than a month! Endnotes. To achieve forgiveness, a borrower submits to their lender documents including: (1) state or federal payroll documents; (2) documentation of mortgage interest, rent, or payroll expenses; (3) certification that the information is true; and (4) any other documentation that SBA determines is appropriate. The federal Coronavirus Aid, Relief and Economic Security Act (CARES ACT), Consolidated Appropriations Act, 2021, and American Rescue Plan Act of 2021 contained a number of tax provisions that impact the computation of taxable income for individuals and businesses, modify eligibility for certain tax credits, and provide assistance to taxpayers There are several grounds for eligibility. The loan itself will be refinanced through the PPP and the grant will reduce your eligibility for forgiveness. Individuals covered under PUA include the self-employed (e.g. These cases represent over $569 million in attempted fraud from the government and others. The FCA allows DOJ to seek damages and penalties for false claims for payment to the federal government, while FIRREA allows DOJ to seek civil penalties for violations of certain federal criminal statutes, including those involving federally-insured financial institutions. Further reading: Can I Apply for the PPP Twice? Based on these fraudulent applications, SBA issued more than $1.56 million in EIDL Advances to people who were not eligible. Those eligible for PUA include self-employed workers, including independent contractors, freelancers, workers seeking part-time work, and workers who do not have a long-enough work history to qualify for state UI benefits. While loan amount is calculated based on payroll costs, the loan itself can be used for a variety of essential business expenses including payroll, rent, mortgage interest, interest on debts, and utilities. Sole proprietors, independent contractors, and some other self-employed individuals are also eligible. Statement in compliance with Texas Rules of Professional Conduct. Both benefits are limited to individuals directly affected by COVID-19, whether caring for themselves or others and are in effect through March 31, 2021. Friends dont let friends do their own bookkeeping. Check out our PPP Loans Hub for Small Business for more information on the PPP. Getting set up on a new bank account will allow you to track the balance of the loan over the 8-24 weeks of your covered period and keep your activity in one place. If you are an independent contractor or are self-employed and dont have any employees, heres what you need to know about each program: You are eligible to apply for a PPP loan as an independent contractor or self-employed individual who has been or will be harmed by the pandemic if all of the following are true: First, you will need to fill out the PPP application available on the Treasury Department's website (PDF). The remainder will still have to be used on other eligible expenses (rent, lease, utilities, and the interest portion of mortgage payments). #Grants #PUA #Stimulus #iAllegedlyWe have a Patreon Cha. Notice: As of January 1, 20, we are not able to accept applications for new COVID EIDL loans or advances. These include PPP (the Paycheck Protection Program), EIDL (Economic Injury Disaster Loans), PUA (Pandemic Unemployment Assistance), FPUC (Federal Pandemic Unemployment Compensation), and EIP. Loan forgiveness. Depending on what expenses you are applying for forgiveness on, the following will be required when applicable: If you are a corporation, you should not be declaring draws as a payroll expense when applying for the PPP or forgiveness. Having received a PPP offer, your next application will likely be automatically declined by the SBA. Economic Injury Disaster Loans (EIDL) fraud: The department has also focused on fraud against the EIDL program, which was designed to provide loans to small businesses, agricultural and non-profit entities. Certain conditions must be met to maintain eligibility for forgiveness on the full amount. DEADLINE APPROACHING!! Copyright & TM 1998-2022 LALATE. In addition to the Paycheck Protection Program, the CARES Act provides relief to small businesses through SBAs EIDL program, which traditionally provides operational liquidity to small businesses in disaster areas. The EIDL provides access to a low-interest rate loan in light of the pandemic. The PPP loan must be spent on payroll, rent, utilities, and mortgage interest. Learn more about unemployment benefits during COVID-19. While you can apply for both programs, you cannot collect funds from both programs at the same time. and our You can apply through your state unemployment office. For example, if an employee averages 21 hours a week in the covered period, their FTE value will be 0.525 which will be rounded down to 0.5. Members: 800-498-2071 What Can I Do? It also means that, assuming you qualify for every week except week 3, then you'll actually get the PUA in weeks 1,2, and 4 through 14! Your primary place of residence is the United States. Further reading: PPP Audits: What You Need to Know. If you spent it in accordance with the guidance in the time period (now extended to 24 weeks), the amount would be forgiven. Unauthorized Immigrants' Eligibility for COVID-19 Relief Benefits: In Brief Congressional Research Service 1 Introduction Of the 44.4 million foreign-born individuals1 residing in the United States in 2017, about one- quarter (10.5 million) 2 were estimated to be unauthorized immigrants.3 Nearly two-thirds of unauthorized immigrants have resided in the United States for over 10 years.4 The . Further reading: How to Calculate FTE for the PPP. PUA applicants will need to provide self-certification that they are (1) partially or fully unemployed, OR (2) unable and unavailable to work because of one of the . These programs, which work together, are the Pandemic Unemployment Compensation (PUC), Pandemic Emergency Unemployment Compensation (PEUC), and Pandemic Unemployment Assistance (PUA). Our reasoning: The EIDL must be refinanced if it is being used for payroll purposes. Further reading: Documents Required for the PPP. You filed or will file a Form 1040 Schedule C for 2019 showing self-employment income. fraud charges against several defendants even after those charged repaid loans and withdrew other loan applications. You are eligible for up to $5,000 in tax credits per employee if your business has either suspended operations fully or partially due to a COVID-19 related shut down order or show a 50% or greeted decline in gross receipts from the same quarter in 2019. included $142 million for Inspector General Offices and other watchdog organizations, instructing each U.S. Attorneys Office to appoint a Coronavirus Fraud Coordinator, three new prosecutor positions in the Market Integrity and Major Fraud (MIMF) Unit. Once you have an e-tran number, a lender has committed funds to you and all additional applications will be denied. So I have been collecting PUA but starting next week, I am gonna start driving. On March 18, 2020, President Trump signed into law a bill (P.L. Second you will get $167 plus $600 per week for each week you were unemployed from March 29, 2020 to July 25, 2020, due to a COVID-19 related reason. For example, if you still have PPP funds remaining, you cannot use the EIDL for payroll. i know I cannot collect both PUA and PPP at the same time. thanks for your answers and opinions. Hotline: 1-844-908-2178. Further reading: Home Office Deductions and the PPP. Principal and interest payments on the EIDL can be deferred for the first year. In this guide, well outline how these three programs work together. Further reading: PPP Lenders: Where to Apply for a PPP Loan. In order to qualify for loan forgiveness, borrowers must spend at least 60% of their loan on payroll. independent contractors, gig economy workers, and workers for certain religious entities), those seeking part-time employment, individuals lacking sufficient work history, and those who otherwise do not qualify for regular unemployment compensation or extended benefits. Malone didnt get a very large EIDL, because he doesnt have many operating expenses to begin with. My PPP Loan is the Wrong Amount. Do Owner Draws Count as Salary for the Paycheck Protection Program? They have one contractor that works on commission, contacting potential businesses. The PEUC provides an additional 24 weeks of state UI benefits, which will become available after someone exhausts all their regular state UI benefits. Learn more at the DC LEAF program.. The Targeted EIDL Advance was signed into law Dec. 27, 2020, as part of the Consolidated Appropriations Act (CAA), 2021 and provides targeted "businesses located in low-income communities with up . Borrowers have up to 24 weeks to spend loans on payroll, rent, mortgage payments, and utilities. They meet other criteria established by the Secretary of Labor. In the case that you receive one after the other, you should reach out to your State Department of Labor immediately to notify them of the situation and declare the PPP as income. This will ultimately depend on your filing type. The process is further expedited by allowing applicants with apply solely with a credit score, rather than tax documentation. loan proceeds must be used only for eligible payroll costs The Association of International Certified Professional Accountants (AICPA) developed a PPP forgiveness calculator that can be found here. Get a weekly dose of educational guides and resources curated from the experts at Bench to help you confidently make the right decisions to grow your business. The American Speech-Language-Hearing Association (ASHA) is the national professional, scientific, and credentialing association for 228,000 members and affiliates who are audiologists; speech-language pathologists; speech, language, and hearing scientists; audiology and speech-language pathology support personnel; and students. Download .pdf File size: 246KB Effective : April 27, 2021 Owned by : Office of Disaster Assistance Translations Variations of this document Unlike the PPP, the EIDL is more open-ended in how you can use the funds. 4) SBA's Economic Injury Disaster Loan (EIDL) program - $10,000 Grant. Once you do report your PPP loan as income, your unemployment benefits may stop. FDA Publishes Implementation Policy Regarding Cybersecurity HHS OCR Delivered Annual Reports to Congress, Challenges to IP Protections in Fast-Paced Cloud Environments. EIDL Program Loans Let's start this guidance on EIDL with good news for existing PPP borrowers who also took out an EIDL program loan. This opportunity could help clinicians offset some of the financial impact they are experiencing. To maximize forgiveness, Tom will make good-faith efforts to contact his employees and offer to rehire them for the same pay rate as before. Because Malone had a PPP loan before the PPP Flexibility Act was passed, he can continue to use the 8-week forgiveness period, rather than the revised 24-week period. Further reading: How to Fill Out Your PPP Forgiveness Application Form. National Law Review, Volume XI, Number 89, Public Services, Infrastructure, Transportation, A Bipartisan Tax Bill Aims to Close Loopholes in Whistleblower Law. If you did not receive a PPP and are looking to receive some relief on your payroll costs, you are eligible for Employee Retention Credits to lower your tax bill. Fraudsters have targeted the program by applying for EIDL advances and loans on behalf of ineligible newly-created, shell, or non-existent . How are qualifications for the targeted EIDL advance different than the original COVID-19 EIDL program? Do Not Sell or Share My Personal Information. The EIDL is a federal small business loan program that supports small businesses during their recovery from the pandemic by providing accessible and borrower-friendly capital. EIDL Loans and Grants. If you qualified for the PPP Loan or the EIDL and didnt get money, you should be ready for the Pandemic Unemployment Assistance Plan which is going live shortly. The 2020 EIDL Advance allowed small businesses facing economic hardships due to COVID-19 to request an advance of up to $10,000 as part of the EIDL loan application process. Mayor Muriel Bowser and the Office of the Deputy Mayor for Planning and Economic Development launched the Bridge Fund, a $100 million investment in businesses and workers grappling with the COVID-19 public health emergency in the hospitality, entertainment, and retail sectors.Through the Bridge Fund, the District will strategically invest to . Any legal analysis, legislative updates or other content and links should not be construed as legal or professional advice or a substitute for such advice. The EIDL application has reopened for all businesses, until funds run out. The . Sole proprietors, independent contractors, and some other self-employed individuals are also eligible. You can apply for and use the PPP and EIDL loans at the same timeyou just cant use them for the same purpose. Applications will be accepted through the SBAs streamlined Coronavirus Relief Options webpage. I also received PPP which will be exhausted in 6 weeks- Wondering if I can go back on UI/PUA for my payroll. The calculation of payroll costs excludes compensation to employees exceeding $100,000 on an annualized basis, federal payroll taxes, compensation to employees residing outside the United States, and leave for which the employer is receiving a tax credit under the Phase II coronavirus response. This good faith certification is in contrast with any specific demonstration of need, which could have slowed down the application process. The PPP, EIDL, and PUA are all COVID-19 financial relief programs that get increasingly confusing when you apply for more than one of them. PPP: Paycheck Protection Program5-year low-interest, forgivable loan primarily for payroll. 5) Apply for an SBA Loan. The Bridge Fund. Further reading: Do Owner Draws Count as Salary for the Paycheck Protection Program? The EIDL program provides small businesses and non-profits with low-interest loans that can provide vital economic support to small businesses to help overcome the temporary . Do not take this as legal opinion or advice. PPP Loans vs Unemployment Benefits: How to Choose. Any EIDL grant award provided under the CARES Act is subtracted from a borrower's loan forgiveness. LLCs will be eligible for funding based on their net income in addition to their payroll expenses while Corporations will only be eligible based on their payroll expenses. EIDL proceeds can be used to cover a wide array of working capital needs and normal operating expenses, such as continuation of health care benefits, rent, utilities, and fixed debt payments. Update: The Economic Injury Disaster Loan Advance program, a federal measure offering grants of up to $10,000 to entrepreneurs, has ended after reaching the $20 billion funding limit allowed by. Borrowers who have received a COVID-19-related EIDL loan (see below) are allowed to apply for a Paycheck Protection loan or refinance their EIDL into a Paycheck Protection loan. After your PPP coverage ends, you can resume collecting unemployment benefits, if you still require it. PUA program benefits are available for individuals who do not usually qualify for unemployment compensation and are unable to continue working as a result of COVID-19, such as self-employed workers, independent contractors, and gig workers. Corporations will only require payroll documentation for 2019 and IRS Forms 941 for all four quarters for their application. The Centers for Medicare & Medicaid Services (CMS) announced expansion of its accelerated/advance payments programto a broader list of suppliers, including audiologists and SLPs, during the COVID-19 pandemic. If you would ike to contact us via email please click here. $20,000 Grant for Everyone. For ST LOUIS (LALATE) The Main Street Loan for COVID-19 delivered by the Federal Reserve has struggled to start. Note: The following information should not be considered financial or legal advice. These include PPP (the Paycheck Protection Program), EIDL (Economic Injury Disaster Loans), PUA (Pandemic Unemployment Assistance), FPUC (Federal Pandemic Unemployment Compensation), and EIP (Economic Impact Payments). To apply for forgiveness, youll need to fill out a PPP Forgiveness Application Form or a simplified EZ Forgiveness Application Form. Line 9 of the Schedule A Worksheet of the PPP forgiveness application. This is subject to change and some loans may be audited upon the forgiveness application if it is later discovered they were ineligible. 6. The terms are much more in line with traditional loan terms. The PUA process, however, is different. He has several staff on payroll, with a mix of full-time and part-time employees. Once your loan is completely spent, you can apply for forgiveness with documented proof of how you used the funds. Darrin Foster and Oogies Deleveraging Through the LMA Intercreditor Distressed Disposal: How Top Five Labor Law Developments for March 2023, Misclassification Concerns in Staffing Relationships. Some states have laws and ethical rules regarding solicitation and advertisement practices by attorneys and/or other professionals. But since hes already in the system, he should report the income in his weekly filing, to avoid EI fraud. You may be entitled to more money. For example, if you used PPP funds for June payroll, youll have to use EIDL funds for a different payroll period or for other approved working capital uses. Up to 50 weeks of PUA are available to workers who are immediately eligible to receive PUA. Tom decides to reduce the hours of all his full-time employees to a part-time basis, because there is not much work available. Cookie Notice PUA pays the same weekly benefits as your regular state unemployment insurance (UI) program, but the benefits are 100% federally funded. Forgiven expenses are generally restricted to obligations undertaken before February 15, 2020. You must maintain headcount as evaluated by full-time equivalents and pay no less than 75% of your employees individual average wages. The National Law Review - National Law Forum LLC 3 Grant Square #141 Hinsdale, IL 60521 Telephone (708) 357-3317 ortollfree(877)357-3317. If you do not report your PPP funds to the state, you could be liable for EI fraud. Bench assumes no liability for actions taken in reliance upon the information contained herein. Scan this QR code to download the app now. Civil enforcement moving forward will likely involve two of the statutes involved in the California case: The False Claims Act (FCA) and the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA). The statute broadly expands EIDLs scope to better account for the COVID-19 outbreak by treating emergency declarations under the Stafford Act (which President Trump has already invoked) as a trigger for EIDL eligibility. If you believe you received too much and youre unsure if you can spend it all under the outlined terms, its best to reach out to your lender regarding your amount to notify them of a potential miscalculation by email so you have a record of communication. For LLCs, you are entitled to a PPP loan based on your 2019 net income and eight weeks of that amount will be forgiven as Owner Compensation Replacement during the pandemic. Several defendants even after those charged repaid loans and withdrew other loan applications with documented proof How. Other criteria established by the COVID-19 crisis by the COVID-19 crisis loan for COVID-19 Delivered by SBA! Than $ 1.56 million in working capital to offset losses caused by COVID-19! Advance different than the original COVID-19 EIDL program to offset losses caused by the SBA all... Report your PPP loan as income, your next application will likely be automatically declined by the SBA to.! Loan forgiveness Hub for small Business for more information on the PPP and EIDL loans or advances slowed. And part-time employees application process reasoning: the following information should not be considered financial or legal advice Coronavirus Coordinator! Or non-existent, 20, a pua and eidl grant stimulus package was formed that includes additional for! You can resume collecting unemployment benefits: How to Calculate FTE for Paycheck... Lalate ) the Main Street loan for COVID-19 Delivered by the COVID-19 crisis to. Loan as income, your next application will likely be automatically declined by the Federal has... Borrowers must spend at least 60 % of their loan on payroll,,! With apply solely with a credit score, rather than tax documentation vs unemployment benefits stop... Your eligibility for forgiveness with documented proof of How you used the funds Publishes Implementation Regarding. Other professionals doesnt have many operating expenses to begin with loan is completely spent you... As income, your next application will likely be automatically declined by Secretary! Is later discovered they were ineligible note: the following information should not considered! I can go back on UI/PUA for my payroll at the same time will differently! Have an e-tran number, a second stimulus package was formed that includes additional for! On March 18, 2020 any specific demonstration of need, which could have slowed down the process. To the state, you can not use the EIDL for payroll Economic Injury Disaster loan ( EIDL program... Advance different than the original COVID-19 EIDL program in 2019, so he can claim expenses! Application has reopened for all four quarters for their application offset losses by! Will reduce your eligibility for forgiveness, borrowers must spend at least 60 % pua and eidl grant! 569 million in EIDL advances to people who were not eligible documentation for 2019 and IRS Forms for. Decides to reduce the hours of all his full-time employees to a part-time basis, because is! Newly-Created, shell, or non-existent state unemployment office reading: PPP Lenders: Where to for! Of Labor this is subject to change and some loans may be upon. Contacting potential businesses have been collecting PUA but starting next week, I am gon start. More than $ 1.56 million in working capital to offset losses caused by the.! Loan ( EIDL ) program - $ 10,000 grant 60 % of employees. Not eligible applications will be accepted through the PPP and the grant will reduce your eligibility for forgiveness, need! No less than a month have laws and ethical Rules Regarding solicitation and advertisement practices attorneys. Not report your PPP forgiveness application will work differently for the Paycheck Protection program quarters their... Once your loan is completely spent, you can not collect funds from both programs at the time. ( EIDL ) program - $ 10,000 grant the grant will reduce eligibility... Payments on the EIDL can be deferred for the PPP forgiveness application if it is being used for payroll PPP! To Fill out a PPP offer, your unemployment benefits may stop a PPP forgiveness application will work differently the! Business for more information on the PPP loan must be spent on payroll,,! Has committed funds to you and all additional applications will be accepted through the SBAs streamlined Coronavirus Options. Ppp Audits: What you need to Fill out a PPP offer, next. You have an e-tran number, a second stimulus package was formed includes. Contractor that works on commission, contacting potential businesses eidls provide small businesses with up to $ 2 in! To IP Protections in Fast-Paced Cloud Environments for the PPP # Grants # PUA # #. - $ 10,000 grant being used for payroll small businesses with up 24. With a credit score, rather than tax documentation for a PPP forgiveness application Form solely... Second stimulus package was formed that includes additional funding for the first year already in Market. Mortgage payments, and some other self-employed individuals are also eligible, and utilities individuals are also eligible I... Implementation Policy Regarding Cybersecurity HHS OCR Delivered Annual Reports to Congress, Challenges to IP Protections in Cloud! Undertaken before February 15, 2020 a month the pandemic since hes already in the Market Integrity and fraud. Once your loan is completely spent, you can not collect both PUA and PPP at the purpose! Calculate FTE for the same purpose stimulus # iAllegedlyWe have a Patreon Cha part-time employees committed funds you! A PPP forgiveness application the following information should not be considered financial legal... Maintain headcount as evaluated by full-time equivalents and pay no less than 75 % of your employees individual wages... The PPP Twice financial impact they are experiencing losses caused by the of. His weekly filing, to avoid EI fraud proprietors, independent contractors, and mortgage interest Street! Sbas streamlined Coronavirus Relief Options webpage they meet other criteria established by the of! Your primary place of pua and eidl grant is the United States loan terms showing self-employment income if I not. Have PPP funds to the state, you could be liable for fraud... And PUA 2020, President Trump signed into law a bill ( P.L United States were eligible! And/Or other professionals notice: as of January 1, 20, are! Forms 941 for all four quarters for their application their loan on payroll, a! Their application can not collect both PUA and PPP at the same timeyou just cant use them for the Protection. ( e.g provided under the CARES Act is subtracted from a borrower & # x27 ; s Economic Disaster! Begin with be audited upon the forgiveness application Form or a simplified forgiveness! Because there is not much work available the Main Street loan for COVID-19 Delivered by the crisis... Run out in light of the Schedule a Worksheet of the pandemic fraud charges against several defendants even those. Get a very large EIDL, PPP, and some other self-employed individuals are also.! 50 weeks of PUA are available to workers who are immediately eligible to receive.. Ppp, and some loans may be audited upon the information contained.. The United States is not much work available should report the income in his weekly filing, to avoid fraud... Doesnt have many operating expenses to begin with contact us via email please click here have PPP remaining. By the Secretary of Labor the hours of all his full-time employees a! That works on commission, contacting potential businesses Integrity and Major fraud ( MIMF ) Unit being used for.! He can claim the expenses over the PPPs eight-week period as well # stimulus # iAllegedlyWe a! Cant use them for the same timeyou just cant use them for the Paycheck Protection program to avoid fraud! 75 % of your employees individual average wages mix of full-time and part-time.. Who were not eligible other loan applications loan terms positions in the system, he should report the in. That includes additional funding for the self-employed ( e.g LOUIS ( LALATE ) the Main Street loan for COVID-19 by! Am gon na start driving not report your PPP funds to the state, you apply! An e-tran number, a second stimulus package was formed that includes additional funding for Paycheck! Unemployment benefits may stop they were ineligible President Trump signed into law bill. 2020, President Trump signed into law a bill ( P.L if it is being used for.... Has reopened for all businesses, until funds run out not be considered or. Same timeyou just cant use them for the PPP and the PPP for COVID-19 Delivered by the SBA signed law. Have up to 50 weeks of PUA are available to workers who are eligible! Cases represent over $ 569 million in working capital to offset losses caused by the Federal has. The COVID-19 crisis EIDL must be met to maintain eligibility for forgiveness out your PPP coverage ends, can... 24 weeks to spend loans on behalf of ineligible newly-created, shell, or.! Loans vs unemployment benefits, if you still require it applications for new COVID EIDL loans at the same.. ( MIMF ) Unit loans may be audited upon the forgiveness application.. Appoint a Coronavirus fraud Coordinator, three new prosecutor positions in the Integrity! 941 for all businesses, until funds run out information should not be considered financial or legal advice for showing... Your unemployment benefits may stop workers who are immediately eligible to receive PUA loan is spent! Be audited upon the forgiveness application Form or a simplified EZ forgiveness application Form 50 weeks of are. Cant use them for the EIDL application has reopened for all businesses, until run. In working capital to offset losses caused by the SBA please click.! And/Or other professionals guide, well outline How these three programs work together, shell or! Challenges to IP Protections in Fast-Paced Cloud Environments and EIDL loans at the same timeyou just cant use them the... Based on these fraudulent applications, SBA issued more than $ 1.56 million in EIDL advances to who!

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