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Paycheck Protection Program



As of January 11, 2021, the U.S. Small Business Administration (SBA) has reopened the Paycheck Protection Program (PPP). Churches who did not apply for PPP in 2020 can apply now for a First Draw PPP Loan and secure 10 weeks of many operating expenses. In 2020, the SBA extended more than $4.2 million to 130 local NIC churches.

Local churches who received a First Draw PPP loan in 2020 may apply for a Second Draw PPP loan if they will or have used the full amount for authorized uses, have no more than 300 employees and can demonstrate at least 25% reduction in gross receipts between comparable quarters in 2019 and 2020. “SBA rules about revenue recognition may complicate the ability of local churches to comply with this standard, whether they use cash or accrual accounting,” noted Lonnie Chafin, NIC Treasurer. “However, we encourage churches who experienced significant reductions in giving or in other income sources (such as rental income) to apply for a Second Draw PPP loan.”


The CARES Act is lengthy legislation intended to “provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic.” Among other things, it expands unemployment insurance eligibility and establishes loans, credits, and payment delays to help employers meet payroll and other obligations.

The application process for the Paycheck Protection Program (PPP) re-opened April 27. Fill out your application ASAP, then submit it to and have a conversation with a bank that is an SBA-certified lender. View the Paycheck Protection Program overview. 

FAQ for local churches

Jan. 23 Zoom  - PPP Round Two Access Passcode: F4E@hl?8

PPP Forgiveness Loan Webinar (Long Form) with Lonnie Chafin 7/23/20

PPP Forgiveness Loan Webinar (Short Form) with Lonnie Chafin 7/22/20

PPP Zoom Meeting with Lonnie Chafin 4/6/20

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