Q: Do I send the application form to the SBA?
A: No. The entire application process is done through a banking institution. If you are interested in submitting an application, you should contact your bank and ask if they are accredited to process the application. Not all banks in Oregon are. You can find a list of the  100 most active SBA 7(a) lenders here
Q: On the form it asks of an owner. As a nonprofit, we don’t have owners, so what do we put there? 
A: Simply put “nonprofit” or leave it blank or follow the instructions of your banker. Do not put the name of your ED or board chair. That may confuse the processing of your application. 
Q: Are employee contributions included in the payroll and benefits calculations?
A: No. The form is clear that you need to exclude the employee contribution to benefits like insurance, parking, etc. Only include payroll and benefits that are employer paid only.

Q: Is the payroll average based on the most recently completed 12 months, or calendar 2019? For example, if a nonprofit is applying today, is the lookback period 4/1/19 – 3/31/20 or 1/1/19-12/31/19?
A: For purposes of calculating “Average Monthly Payroll,” most Applicants will use the average monthly payroll for 2019, excluding payroll costs over $100,000 on an annualized basis for each employee. 

Q: We are a camp and do most of our programs in the summer. How do we calculate our average payroll when it varies so much depending on the time of year? 
A: For seasonal businesses the Applicant may elect to instead use average monthly payroll for the period February 15, 2019 and June 30, 2019 excluding payroll costs over $100,000 on an annualized basis for each employee.

Q: Can we also include payments to subcontractors like bookkeepers or other people that regularly do work for us on a contract basis? 
A: No. Each business is responsible to submit for their employees. Contractors are not your payroll employees. They can apply for this same program through their business entity.

Q: What if we are an orchestra and have almost all of our performers on 1099s? 
A: Each of them would need to submit their own SBA PPP application as a sole proprietor.