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Payroll Protection Program

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What you need to know about the (PPP) payroll protection program

Payroll Protection Program


*Downloadable files can only be downloaded and accessed on a computer.

The CARES Act includes SBA 7(a) Relief (Paycheck Protection Program) loans to assist with payroll support, mortgage interest, rent, utility payments, and interest on any debt obligation incurred before the covered period. Sunwise Capital has been on the front lines of helping America’s small businesses. We are now ready to receive applications for funding this program on a first come first serve basis. We are committed to helping as many as we can.

Here are the Basics:

  • Most Small Businesses (Corp., LLC, and Sole Props included), and nonprofits with fewer than 500 employees are eligible.
  • Business must be operational as of February 15, 2020 & have employees for whom it paid payroll taxes salaries, and, or a paid independent contractor.
  • Loan amount up to $10 million.
  • Eligible for loan forgiveness. Interest rate 4%. 10-year full payout loan and payments may be deferred for one year.
  • Unsecured and No Personal Guarantee. No collateral is required.
  • Borrowers cannot apply for any other programs through the SBA for the same purpose.


  • Why am I getting these funds?
    • The current Administration wants Small Businesses to help keep the economy going. With these funds they want you to continue thriving your business since the current pause in business is no fault of yours.
  • Which program will give me the most funds?
    • This program – the SBA 7(a) Paycheck Protection Program will give you the highest amount of funds and will also be the quickest.
    • You could apply to other relief funds as well, but you can only apply to one SBA relief program. It is ok if you currently have an SBA loan.
  • Will I qualify?
    • Yes! Most small businesses will qualify as long as you have payroll.
    • All FICO scores are approved. No credit check.
    • Below is the list of documents we need plus attached is the application to start.
  • How do I calculate how much I will get?
    • Take your last trailing 12 months Up to March 31st) of payroll including 1099 independent contractors (excluding compensation above $100,000 in wages) and average them out. Multiply that number by 2.5 times to get the amount you will be funded.
    • For example, if your payroll average in the last 12 months is $50,000 then you will get $125,000.
    • Plus, you could add the balance of any Small Business Administration Loan closed between 1/31/2020 and when this loan will be made, if applicable.
  • What can I use the funds for?
    • Payroll Costs
    • Costs related to the continuation of group health benefits
    • Employee salaries, commission, or related compensations
    • Mortgage interest
    • Rent
    • Utilities
    • Interest on any debt obligation incurred before the covered period
  • How do I pay it back and what is the interest rate?
    • As long as you use the funds for any or all of the above reasons in a period of 8 weeks after the loan’s origination date it will be forgiven!
    • If you use funds for other reasons than above, then it will be paid back at a 4% interest rate over 10-years. Payments may be deferred for at least 6 months and not more than one year. No prepayment penalty. The 100% loan guarantee will remain intact.
    • SBA fees are waived.
  • Why go through Sunwise Capital vs the bank or SBA?
    • We are faster!
    • If you go through your bank it will be slower because most of the banks are closed and you will need to make an appointment with them.
    • SBA only guarantees and sets the guidelines for the loans, but they do not fund your loan. You will need to go through a lender like us or the bank to be funded.
  • How do I get started today? SEE BELOW FOR THE APPLICATION
    • We will be processing applications on a first come first serve basis so be one of the firsts to get the application by replying of your interest to this email.
  • When will I get the funds?
    • Approvals take 24 hours once they are processed.
    • Applications will be processed on a first come first serve basis.
    • Funds will be available a few days after approval!
  • Is there anything else I should know?
    • You could only obtain an SBA 7 Economic Injury Disaster Loan (EIDL) or a Paycheck Protection Program Loan directly from the SBA for the same purpose.
    • If you currently have an EIDL Loan unrelated to COVID-19 then you are still eligible.
    • The emergency EIDL grant award of up to $10,000 would be deducted from the forgiven amount under the SBA 7(a) Paycheck Protection Program Loan.
    • Eligible borrowers will be required to make a good faith certification that the loan is necessary due to the uncertainty of current economic conditions caused by COVID-19; they will use the funds to retain workers & maintainutility payments, lease, and payroll; and are getting duplicative funds for the exact same usage from another SBA program.
    • The forgiven amount will be proportionally reduced by any reduction in employees retained in comparison to the early year & decreased by the reduction in pay of any employee beyond 25 percent of their prior-year compensation. To have employers encouraged to rehire any employees who’ve already been laid off because of the crisis of COVID-19, borrowers that are re-hiring workers who are laid off previously won’t be penalized for having a payroll that’s reduced at the start of the period.
    • Canceled indebtedness resulting from this section will not be included in the borrower’s taxable income.


  • Completed Application – CLICK HERE TO DOWNLOAD ALL FORMS
  • SBA Form 1919 or corresponding SBA form 912, if applicable
  • Articles of Incorporation/Organization of each borrowing entity
  • By Operating Agreement/Laws of each borrowing entity
  • All owner’s Drivers Licenses
  • Payroll Expense verification documents to include:
    • IRS Form 941 and 940
    • Payroll Summary Report with corresponding bank statement:
      • IIf a Payroll Summary Report is not available, Pay Stubs of Employees as of February 15, 2020 (or even corresponding period) with corresponding bank statements, and,
      • Breakdown of payroll benefits retirement benefits, group healthcare benefits, allowance for dismissal, vacation, etc.
      • 1099s (if Independent Contractor)
    • Certification that all employees live within the United States. If any do not, provide a detailed list with the corresponding salaries of every employee outside the United States
    • Trailing 12-month profit and loss statements (as of the date of application) for all applicants
    • Most recent Mortgage Statement or Rent Statement (Lease)
    • Most recent Utility Bills (Water, Internet, Telephone, Gas, Electric)

Email the above items to [email protected]

Remember that the application will be processed on a first come first serve so please make sure to send a complete package in order to get started.

Here’s to getting America back on its feet! As always, stay safe and healthy and know that help is on its way now!


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