Business Tip: Make/receive/earn/borrow money any way you can right now to weather this storm…

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Recorded09 Apr 2020

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Please Note This Was Recoded Prior To the PPP Applications Were Taken Make/receive/earn/borrow money any way you can right now to weather this storm… "Oxygen is something we rarely think about until it is cut off and then it becomes our highest priority. The reason is obvious: Without oxygen, life rapidly becomes increasingly uncomfortable and then you die....quickly. In business, oxygen is cash and cash flow" - Keith J. Cunningham 1) CARES Act & Economic Payments: See link below for an overview on the money that the government will be sending you if you qualify (below a certain income bracket and have filed 2018 or 2019 taxes) https://www.irs.gov/newsroom/economic-impact-payments-what-you-need-to-know 2) Economic Injury Disaster Loan (EIDL) & Grants (you can receive a $10k cash advance within 3 days of applying for up to $2m of an Economic Injury Disaster Loan (EIDL)); according to the government, “The $10k advance does not need to be repaid under any circumstance, and may be used to keep employees on payroll, to pay for sick leave, meet increased production costs due to supply chain disruptions, or pay business obligations, including debts, rent and mortgage payments.” 3) Unemployment for Independent Contractors: I believe this is state by state. CA has rolled this out. I don’t know for sure that AZ has this (my gut says no as of now but I hope I’m wrong so send me articles and info if you know otherwise). https://www.sba.gov/sites/default/files/articles/EIDL_Information_and_Documentation_-_3-30-2020_FINAL_2_pm.pdf 3) Paycheck Protection Program (PPP) (up to $10m loan, which is forgivable if you meet certain milestones on maintaining your payroll); https://home.treasury.gov/system/files/136/PPP--Fact-Sheet.pdf 4) Unemployment for Independent Contractors: Some states have adjusted their rules - look into this if you need it From CA: Expands Eligibility for Workers Directly Affected by COVID-19. Self-employed workers—including business owners, independent contractors, and freelancers—generally are not eligible for UI. The H.R. 748 expands eligibility for UI benefits to self-employed workers as long as they are (1) available for work and (2) unable to work as a direct result of COVID-19 5) Local Grants for businesses: https://www.forbes.com/sites/advisor/2020/03/20/list-of-coronavirus-covid-19-small-business-relief-programs/#2ceb2a61e89d 6) NOW and FUTURE Business: Call the leads you have that are active on your website. If they have time to look at homes, they won’t mind a call from you. Do your Three to Thrive Sphere calls as well!

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